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While balancing parenthood alone during a pandemic can challenging, adding eviction to the equation can be heartbreaking.“My heart dropped for the simple fact that I was homeless before with my four kids,” Mary Ratchford-Bass said after losing her job as an office cleaner.“Once the pandemic hit, they went to working from home and that left us with little to no work to do,” she said.Just a few days before being forced out of her apartment, Ratchford-Bass, who was born into a Baptist family, was saved by someone she never met, calling it almost a “religious experience.”“It really was,” she said. “Because when I got the eviction notice, all I could do was pray.”Helping answer those prayers and pay the rent was 13-year-old Jewish girl Rena Brittan, who became inspired to help others while studying child labor laws during a service project for her bat mitzvah.“She wanted to help people pay their rent in part because she wanted families and children to be safe,” said Rena’s mother, Dana Brittan.Dana says while her daughter is staying away from the spotlight and is no longer doing interviews, she still is helping others pay their bills.“Part of why that’s so important is because once a person is evicted from their home, it’s like having a criminal record,” she said.Rena started a GoFundMe page with the money going to the Resident Relief Foundation, a nonprofit that help people pay their rent.With a recent report by the American Apartment Owners Association showing 60% of landlords saying their tenants are unable to pay rent because of the coronavirus, Ratchford-Bass is thankful for Rena helping cover her housing cost during this crisis.“If I could give her a big hug, I would,” Ratchford-Bass said. “She just doesn’t know how much she’s helped my family and I’m sure other families, too.”So far, Rena’s GoFundMe page has raised more than ,000, an amount she hopes to increase as millions of Americans still face evictions during this pandemic. 1975

With many teachers opting out of returning to the classroom because of the coronavirus, schools around the U.S. are scrambling to find replacements and in some places lowering certification requirements to help get substitutes in the door.Several states have seen surges in educators filing for retirement or taking leaves of absence. The departures are straining staff in places that were dealing with shortages of teachers and substitutes even before the pandemic created an education crisis.Among those leaving is Kay Orzechowicz, an English teacher at northwest Indiana’s Griffith High School, who at 57 had hoped to teach for a few more years. But she felt her school’s leadership was not fully committed to ensuring proper social distancing and worried that not enough safety equipment would be provided for students and teachers.Add the technology requirements and the pressure to record classes on video, and Orzechowicz said it “just wasn’t what I signed up for when I became a teacher.”“Overall, there was just this utter disrespect for teachers and their lives,” she said. “We’re expected to be going back with so little.” When school leaders said teachers would be “going back in-person, full throttle, that’s when I said, ‘I’m not doing it. No.’”Teachers in at least three states have died after bouts with the coronavirus since the start of the new school year. It’s unclear how many teachers in the U.S. have become ill with COVID-19, but Mississippi alone reported 604 cases among teachers and staff.In cases where teachers are exposed to the virus, they could face pressure to return to the classroom. The Trump administration has declared teachers to be “critical infrastructure workers” in guidance that could give the green light to exempting them from quarantine requirements.Throughout Indiana, more than 600 teacher retirements have been submitted since July, according to state data. Although the state gets most of its teacher retirements during the summer, surveys suggest more retirements than usual could happen as the calendar year progresses, said Trish Whitcomb, executive director of the Indiana Retired Teachers Association.“I’ve gotten more (teachers) calling me back saying, ‘Well, I’m going to go ahead and retire,’” Whitcomb said. “Some still wanted to go back in the classroom, but they didn’t think the risk was worth it. They looked at their grandkids and the life they have, and I think they’re saying, ‘I’m just not going to do it.’”In Salt Lake County, Utah, the state’s most populated metropolitan area, more than 80 teachers have either resigned or retired early because of concerns about COVID-19 in schools. More than half of those happened in one of the county’s five school districts, Granite School District. All of the district’s teachers who left were fined ,000 for failing to give 30 days’ notice.Mike McDonough, president of the Granite Education Association teachers union, said the departures stem from frustration over how the schools have reopened. In Granite, most students will return to in-person instruction for four days a week, and there are few opportunities for teachers to instruct solely online.Some teachers waited until the last minute, hoping that the district would change its reopening plan. But checking out of the classroom was “the only way to keep themselves safe,” he said.“Teachers are still scared and overwhelmed,” McDonough said. “I have heard from teachers that are just heartbroken to leave the classroom, but they didn’t feel safe going back. They don’t want that level of risk, and they have no other choice but to get out.”Education leaders in states including Arizona, Kansas, New Hampshire, Pennsylvania and Texas have said they are bracing for worsening teacher shortages as the pandemic drives away some educators.To try to maintain staffing levels in classrooms, the Missouri Board of Education made it easier to become a substitute teacher under an emergency rule. Instead of the previous requirement — 60 hours of college credit — eligible substitutes now only need to obtain a high school diploma, complete a 20-hour online training course and pass a background check.Iowa responded similarly, relaxing coursework requirements and the minimum working age for newly hired substitutes.In Connecticut, college students have been asked to step in as substitutes. Michele Femc-Bagwell, director of the teacher education program at the University of Connecticut, said the school has been getting requests to use fifth-year graduate students as substitute teachers. Heavy class loads and internship responsibilities, though, limit their availability to one day a week.Many who work as substitutes are retired teachers such as 67-year-old Margaret Henderson, of Phoenix, who said she will not return as she had planned.“I don’t want to get called into a classroom where a teacher has called out because of the virus or to quarantine. ... And we know that’s going to happen more and more,” Henderson said. “There are still uncertainties about the safety of reopening the school buildings. Can you blame (substitutes) for not wanting to go in?”In rural Iowa’s Hinton Community Schools, Hinton High School Principal Phil Goetstouwers said the school is already down to a third of the substitute teachers it had last year. More than half of those are also willing to sub in other districts, he said, making it even more troublesome when teachers are absent.Allen Little, who retired as a math teacher in Sioux City, Iowa, this past spring, said the “complexities” of teaching during the pandemic made him decide to retire three years earlier than he had planned. Although he anticipated returning to work as a part-time substitute this fall, fears about the virus are holding him back. He encouraged his son, who is studying to be a social studies teacher and who considered getting experience as a substitute, to weigh the risks carefully.“We’re thinking about students, our schools, our community with every decision we make,” Little said. “But we also have to think about ourselves and our families. What’s best for us, maybe more and more of us ... is not being inside the classrooms right now.”___Associated Press Writer Pat Eaton-Robb contributed to this report from Hartford, Connecticut.___Casey Smith is a corps member for the Associated Press/Report for America Statehouse News Initiative. Report for America is a nonprofit national service program that places journalists in local newsrooms to report on undercovered issues. 6529

Whether your car breaks down or you are slapped with a hefty medical bill, odds are most of us are not ready to pay for unexpected expenses. Instead of using a credit card to pay the bill, you might consider taking out a personal loan. Banks aren't the only ones lending money. According to Consumer Advocate, the top lending companies for 2018 include, Lending Tree, SoFi and Upgrade.Alison Norris, a certified financial planner with SoFi says you can borrow up to ,000 with some companies. However, you have a shorter period of time to pay them off. "They are paid off in periods ranging from 2 to 7 years," says Norris. Typically, when you're slapped with an unexpected expense, you reach for the credit card. But Norris says personal loans have a lower interest rate than most credit cards. "It could be the difference between an average credit card APR of 16 percent to a personal loan which can start as low as 6 percent," Norris says.What's different about a personal loan is that there is no collateral, unlike a home or car loan.   "You can compare that to a car loan if you were to stop making payments, it's possible that your car could be repossessed," Norris says.    With a personal loan, it's only backed by your guarantee. But if you can't pay on time, your credit score could take a big hit."It could very much change your ability to get a job in the future or apply for another loan and will have a few other repercussions," Norris says.   But remember, it's best to not take on more debt than what's necessary.   1647

When Mollie Tibbetts went for a jog and never returned, her death realized the worst fears of many runners, especially women, who lace up their sneakers unsure of what they may face on the road.But runners across the country aren't letting fears of a similar situation stop them. Instead, they are dedicating their runs to the 20-year-old University of Iowa student and sharing hopeful messages on social media tagged #MilesforMollie."This run is for you Mollie. We are with you. We will not allow fear to stop us from doing the things we love," University of Iowa alumna Sarah Hemann Bishop posted on Twitter. She included a picture of her sneakers, which have "Miles for Mollie" written on the side.A funeral was held Sunday for Tibbetts in her hometown of Brooklyn, Iowa, where she was last seen alive on July 18. Police say Cristhian Bahena Rivera told them he saw Tibbetts running and "pursued her in his vehicle." Later, he parked the car and started running near her. He is charged with first-degree murder."I find so much joy in running and as a female, I know I have to run with an added sense of caution, especially when running alone. It is unfair," Bishop told CNN. "I joined #milesformollie to show that we are not afraid. Mollie inspires us to be strong and brave." 1287

While the teams on the field at Super Bowl LV are yet to be determined, the halftime performance has been decided: The Weeknd. 134

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