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Having an adequate supply of personal protective equipment could have saved the state of California hundreds of millions of dollars and stopped roughly 18,000 essential workers from getting the coronavirus, according to a new study from the University of California Berkeley.Researchers at the school looked at the cost of PPE and the early costs and infection rates of coronavirus in California. They conclude with a recommendation that the state stockpile PPE for a future pandemic.The team’s first data point is based on supply and demand; purchasing PPE when it is not high in demand, then saving it for when it's needed. According to the study, the cost of purchasing the same amount of PPE when there was not a global demand would be 17 percent of what the projected cost is now during the pandemic.“Maintaining the stockpile would be cheaper than real-time purchases even if it was not needed for another 35 years, and even if we were fortunate enough to not need the stockpile for longer than that, it would be a highly financially prudent form of insurance,” the researchers stated.Between mid-March and mid-July, roughly 250,000 healthcare workers in California filed for unemployment benefits because there was not sufficient PPE for them to go to work.For each week those healthcare workers could not report to work, it cost the state million in unemployment benefits. The researchers conclude millions could be saved by having the personal protective equipment available.Looking at rates of infection and studies from Europe showing transmission rates at hospitals, Berkeley researches believe almost 18,000 coronavirus cases among essential workers could have been prevented with an adequate supply of PPE.“If those worker cases had been avoided, an estimated 3,030 secondary cases among household members could have also been avoided, thus totaling at least 20,860 cases that could have been averted,” the study states.A separate survey conducted in June and July asked California’s skilled nursing facility staff about equipment; more than 20 percent reported still having inadequate supplies of PPE, and 80 percent said they were very or extremely concerned about workplace infection.The Berkeley study also appears to give support to California Senate Bill 275 as amended in July 2020, that “would require the state to create a PPE stockpile sufficient to protect healthcare and other essential workers for at least 90-days of a future pandemic or health emergency.” 2496

Heading into the workforce saddled with student loan debt can make any new graduate panic. But many borrowers have the power to make their loan payments more manageable — and fail to take advantage of it.A new NerdWallet analysis puts the Class of 2018 in retirement at age 72 after years of careful budgeting, debt repayment and savings. The first 10 years of that long-term financial plan is spent siphoning a considerable amount into student loan payments, though the analysis indicates stretching that repayment term out could make saving for retirement and even their first home a little easier.“The 10-year repayment plan is the one federal loan borrowers are automatically funneled into, unless they pick a different one,” says Brianna McGurran, NerdWallet student loans expert. “But there are lots of other options out there.”Most student borrowers are in a 10-year repayment plan, which is a strong option for getting rid of their loans fast — if they can afford it. Just 39% of recent undergraduates who have student loan debt think it’s likely they’ll pay off their loans in a decade, according to a related online survey conducted by The Harris Poll.Their doubt is understandable — the NerdWallet analysis indicates new graduates with an average amount of loan debt would have payments of approximately 0 each month for 10 years. Higher-than-average student debt, additional debt burdens, unexpected financial blows, or a lower-paying first job out of school could make these payments unmanageable.“It’s up to grads to learn about what’s available and advocate for themselves with their student loan servicers to get what they need,” McGurran says.By contacting their servicer, federal borrowers can change their repayment plan or otherwise ease up the payments with one of these approaches:Graduated repayment plan. Payments start lower and increase every two years with a graduated repayment plan, but the repayment term remains at 10 years total. This may be a good option if your ability to pay will increase as you move through the first several years of your career.Extended repayment plan. Moving into an extended repayment plan will stretch your loan payments out to 25 years. Your monthly responsibility will be lower, but you’ll pay more in interest during that time.Income-driven repayment. There are four income-driven repayment plans available for federal student loan borrowers. These cap your monthly payments at 10%-20% of your income, and extend the repayment term to 20 or 25 years. You’ll pay more in interest due to the longer term, and income-driven repayment plans require you to reapply each year.Consolidation. Federal student loan consolidation won’t likely lower your payments dramatically, but it can put multiple loans into a single payment. It’s also a good option if you’re in default and want to get your student debt back in good standing.Refinancing. Student loan refinancing can give you a lower interest rate and therefore lower payments, but it requires a credit score in the high 600s at least. Because refinancing makes you ineligible for income-driven repayment options in the future, this option is best for people with higher incomes.More From NerdWallet 3278

Holding global warming to a critical limit would require "rapid, far-reaching and unprecedented changes in all aspects of society," says a key report from the global scientific authority on climate change.The Intergovernmental Panel on Climate Change (IPCC) report was released Monday at the 48th Session of the IPCC in Incheon, South Korea.It focuses on the impacts of global warming reaching 1.5 degrees Celsius (2.7 degrees Fahrenheit) above pre-industrial levels. The planet is already two-thirds of the way there, with global temperatures having warmed about 1 degree C.According to the report, the planet will reach this crucial threshold as early as 2030 based on our current levels of greenhouse gas emissions -- and avoiding going even higher will require significant action in the next few years.Global net emissions of carbon dioxide would need to fall by 45% from 2010 levels by 2030 and reach "net zero" around 2050 in order to keep the warming around 1.5 degrees Celsius.Lowering emissions to this degree would require widespread changes in energy, industry, buildings, transportation and cities, the report says.But even if warming is able to be kept to 1.5 degrees Celsius, the impacts would be widespread and significant.Temperatures during summer heatwaves, such as those just experienced across Europe this summer, can be expected to increase by 3 degrees Celsius, according to the report.More frequent or intense droughts, such as the one that nearly ran the taps in Cape Town, South Africa, dry, as well as more frequent extreme rainfall events such as hurricanes Harvey and Florence in the United States, are also pointed to as expectations as we reach the warming threshold.Monday's report is three years in the making and is a direct result of the 2015 Paris Climate Agreement. In the Paris accord, 197 countries agreed to the goal of holding global temperatures "well below" 2 degrees C above pre-industrial levels and to pursue efforts to limit it to 1.5 degrees C.The United States was initially in the agreement. But President Donald Trump pulled the country out?a year and half later, claiming it was unfair to the country. 2185

Get ready to meet Tesla's "beast" of a semi-truck.The electric vehicle maker is aiming to unveil the Tesla Semi and do a test ride on Oct. 26, according to CEO Elon Musk."Worth seeing this beast in person," he tweeted late Wednesday. "It's unreal." 256

George Papadopoulos, the former Trump campaign adviser who pleaded guilty to lying to the FBI, is making his first appearance testifying on Capitol Hill later this month.Papadopoulos is expected to testify behind closed doors before a small group of lawmakers on the House Judiciary and Oversight committees on October 25, according to two sources familiar with the matter.The interview is part of Judiciary Chairman Bob Goodlatte and Oversight Chairman Trey Gowdy's investigation into the FBI's handling of the Hillary Clinton email and Russia investigations, although Democrats are likely to press the former Trump foreign policy adviser on potential Russia collusion, too.Papadopoulos has also been in discussions with the Senate Intelligence Committee for an interview, according to one of the sources. And California Rep. Adam Schiff, the top Democrat on the House Intelligence Committee, has expressed a desire to speak to Papadopoulos as part of his investigation into potential collusion between Trump's team and Russia. Schiff and the House Intelligence Committee Democrats interviewed Papadopoulos' wife, Simona Mangiante Papadopoulos, in July.A committee aide said the panel's Democrats are still interested in talking to Papadopoulos and "look forward to scheduling an interview at the appropriate time."Papadopoulos tweeted?Thursday that he was coming to Capitol Hill, suggesting there was an effort to discredit him and his wife before he testified and denying any involvement with Russian collusion."The attempt to discredit my wife and I before my testimony on capitol hill has reached a fever pitch," he tweeted. "Someone is nervous. I think America was smart enough to realize that someone who has never knowingly met a Russian official in their life never could have colluded. Fake news."Papadopoulos pleaded guilty last year to lying to the FBI over his contacts with individuals tied to Russia during the 2016 campaign. He lied about his interactions with Maltese professor Joseph Mifsud, who told Papadopoulos that the Russians had "thousands of emails" about Clinton, according to the charging documents from special counsel Robert Mueller.Papadopoulos told CNN's Jake Tapper last month that he did not recall sharing the information from Mifsud with anyone on the Trump campaign, though he did not completely shut the door on the possibility. "As far as I remember, I absolutely did not share this information with anyone on the campaign," Papadopoulos said, adding, "I might have, but I have no recollection of doing so. I can't guarantee. All I can say is, my memory is telling me that I never shared it with anyone on the campaign."He was sentenced in September?to two weeks in prison, which he has not yet served.Since the sentence, Papadopoulos has suggested on Twitter that British intelligence officials were behind his meeting with Mifsud.A lawyer for Papadopoulos did not respond to a request for comment. 2961