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HIGHLIGHTS OF THE ACT:- ,200 stimulus checks for the same group of Americans who received a check in the spring - 6 billion in funds for schools to hire staff and conduct social distancing- Replenishing the Paycheck Protection Program, intended to help businesses keep employees on payroll- Extending unemployment supplement, although at a lower amount- Liability protection for businesses reopening amid the pandemicSenate Majority Leader Mitch McConnell said that Senate Republicans will submit a series of bills tonight known as the Health, Economic Assistance, Liability Protection and Schools (HEALS) Act.McConnell, who called out Democrats for “stonewalling,” had not taken up a stimulus bill passed by House Democrats in May. He urged Democrats to join in negotiations.“We have one foot in the pandemic and one foot in the recovery,” McConnell said Monday calling the timing of the legislation a “crossroads” for the country.The HEALS Act will include a second round of stimulus funds for the same group of Americans who received the last stimulus check. The previous economic stimulus check was ,200 for most American adults making less than ,000 per year. McConnell said there will be additional assistance for those caring for adult vulnerable dependents.The HEALS Act will also include replenishing Paycheck Protection Program funds, which were given to businesses to help keep employees on payroll during the height of the pandemic.The act will also include a supplement for unemployment, which ran out last week. Since the spring, the federal government provided a 0 per week supplement to unemployment checks. But there is still a disagreement on how much this supplement should be, as President Donald Trump and some Congressional Republicans complained that the supplement gave an incentive to lower income employees to not return to work.Schumer said that the Republican proposals do not go far enough, and criticized McConnell for not submitting a single bill, but instead a series of proposals.“The Republican proposal will ignore not one or two or three but scores of major crises in America right now,” Schumer said. “In addition, based on what the leader has said, the Republican proposal won't go nearly far enough, even if the pieces they try to do something with, the small number, the disparate number, the unaggregated number, since each piece seems to be separate because they can't seem to get agreement among themselves.”The issue, Schumer says, is that the White House has its own set of proposals its ready to outline. But it appears on an issue concerning most Americans, a second stimulus check, there is agreement among Congressional Democrats, Republicans and the White House.“There's a ,200 check coming. That is going to be part of the new package,” White House economic adviser Larry Kudlow said on CNN’s “State of the Union.But neither Schumer nor McConnell addressed a rapidly growing deficit, as revenue into the IRS has declined while expenditures go up. In the month of June along, the federal deficit was 3 billion. Overall, the federal deficit for the first nine months of fiscal year 2020 was .7 trillion.Before this year, there has never been a budget deficit of more than .4 trillion in the US. 3275

Home gardeners with some extra time during the coronavirus pandemic might consider adding a personal touch to their yards. An ordinary landscape can be transformed with some imagination, design, and perhaps the help of a local agriculture extension service, landscape professional or private nursery. Adding arbors or pergolas can entice visitors into the garden. Flowering trees, pots, paths and landscape timber might keep them there longer. Experts say benches and tables are a must for an outdoor hangout, and having limited room shouldn’t be a deterrent. Adding the right flowering plants can convince hummingbirds and butterflies to stay longer. 659

Hotels are still struggling to fill rooms like they were before an avalanche of cancellations starting in March.Now, travelers are slowly returning to train stations, airports, and hotels.“This is something that none of us were expecting or were prepared for,” said Daniel del Olmo, the President and COO of Sage Hotel Management, a Sage Hospitality Group company. Sage Hospitality Group manages 52 hotels across the U.S.“We went from basically a level of revenue of million on a daily basis to effectively ,000 per day in early May,” del Olmo said.“The economic impact has been something that no one could have ever prepared for, you could not have prepared for it financially, you could not have even prepared for it psychologically or emotionally,” said Chip Rogers, President of the American Hotel & Lodging Association. “2020 will go down on record of having the lowest occupancy in the history of the hotel industry and that includes during the Great Depression.”The association represented the entire industry from large brands to small hotels.For smaller companies, the impact of COVID-19 is especially difficult on their bottom line. “Well over 60% of all hotels are actually classified as small businesses by the Small Business Association,” Rogers said.“In the third week of March, we found ourselves having to furlough over 90% of our staff,” del Olmo said.“With no further assistance, about two thirds of hotels say they cannot make it another six months,” Rogers said. Del Olmo said they haven’t reached that point.“We have not had to permanently close, thankfully, any of our properties,” he said. But others have. Fewer visitors means less money and less work.“We’re right at almost 2 million jobs lost in the hotel industry,” Rogers said.Del Olmo said Sage Hospitality had to furlough 5,000 employees, then eventually lay off 4,000. “What keeps us up at night,” Del Olmo said, “is how we bring our associates back to work.”In the meantime, the group is providing help for former employees. “We initially established a Sage Associate Relief Fund, which allowed us to basically provide pantry items to our associates in need,” he said.While employees still on the job were given more tasks to help fill the gap. “Everybody basically on the teams is doing multiple jobs that, in the past, they might have never done before. We have general managers that on a daily basis strip beds and run the parking,” Del Olmo explained.As hotels continue to balance health, safety and running a business, they are getting creative with ways to bring in revenue, such as hosting micro weddings and hallways concerts with musicians.“Basically roaming the halls. You basically could be listening from the comfort and safety of the entry from your room,” Del Olmo said.Even with the creative new solutions, Rogers said without aid or an uptick in travel, some hotels may suffer.“We may be a much smaller industry in the next couple of years but we will adapt,” Rogers said. 2988

FULLERTON, Calif. (AP) — Police say a suspect has been arrested in the stabbing death of a man at the California State University, Fullerton campus.Fullerton police Lt. Jon Radus on Thursday told The Associated Press that 51-year-old Chuyen Vo was arrested Wednesday night at his home in Huntington Beach. Vo is suspected in the death of a former co-worker, 57-year-old Steven Shek Keung Chan. Police would not elaborate on the work relationship between the two men.Chan worked as the director of budget and finance and student services for university extended education but retired in 2017. He returned to the campus in January to work as a consultant.Authorities have said Chan was found stabbed numerous times inside his silver Infiniti in a campus parking lot on Monday, and they believe it was a targeted attack. 825

High school seniors who plan on taking a gap year this fall to wait out the pandemic could be paying for it for the rest of their lives.While a one-year wait might seem like the right decision for students who don’t want to study online or risk COVID-19 exposure, graduating a year later could cost ,000 in lifetime earnings. A new study from the Federal Reserve Bank of New York details how taking a gap year could put students behind their peers financially and create an insurmountable earnings gap.According to the study, a 22-year-old college graduate earns ,000 on average the first year out of college, and can expect to make ,000 the year they turn 25. By contrast, if a student takes a gap year and delays graduation, they can expect to earn ,000 by age 25 — ,000 less. That gap will perpetuate and compound for late graduates throughout their careers.“Being a year behind, these differences add up each and every year, so that those graduating later never catch up to those who graduated earlier,” researchers Jaison Abel and Richard Deitz write in the report. “Together, these costs add up to more than ,000 over one’s working life, which erodes the value of a college degree.”College might cost even moreCollege typically gets more expensive every year, but this year might be an exception. A few colleges are freezing tuition or offering discounts, and students might see their living expenses decrease. Federal student loan interest rates are at historic lows as well.But experts don’t expect those trends to continue past the health crisis. And missing school this fall means you don’t get to take advantage of lower college expenses.Irma Becerra, president of Marymount University in Virginia, says colleges have had to make major investments to prepare for instruction this fall. Her school plans a hybrid-flex model that will allow students to blend in-person and remote learning based on their needs and comfort level.“Every university that I know has had to incur significant expense to deal with safely reopening or keeping staff and faculty on payroll,” Becerra says.She adds that while colleges are sensitive to the ripple effects of the economic downturn, she expects them to raise tuition in the future unless the government increases investments in higher education. “I can only imagine that [colleges] will have to raise tuition because we’ve all had significant expenses.”Students who opt for a gap year may also have to face higher tuition with less aid. According to Lindsay Clark, director of external affairs at the student finance app Savi, “Taking a gap year and deferring admission could affect scholarships or financial aid offerings if they are not guaranteed for the next year.”Is a gap year still worth the risk?While experts agree that making ,000 less during your lifetime is significant, they advise students not to base their gap-year decision on that figure alone.Arun Ponnusamy, chief academic officer at the college admissions counseling company Collegewise, points out that the return on investment for college is still substantial — even with a gap-year pay dip.A college graduate will make roughly a million dollars more than a high school graduate, according to Ponnusamy. “So we are talking about, you will lose 9% of that by sitting out a year? It just doesn’t sound like that is the number you should use to choose whether or not you sit out.”Martin Van Der Werf, associate director of editorial and postsecondary policy at Georgetown University’s Center on Education and the Workforce, advises students to consider their motivations for going to college and evaluate any anxieties they might have.As the father of a rising college freshman, Van Der Werf knows firsthand the difficult choices and serious implications facing students. He says that students who are experiencing anxiety about the fall may be best served by taking off a semester or two — despite potential wage loss.“The worst thing that could happen is you start college, you don’t finish and you have all this debt,” Van Der Werf says when talking about the potential for some students to be unsuccessful with remote learning. “Then you don’t have a degree to pay off that debt.”He advises students to keep their options open and pay attention to their school’s reopening plans. “There are colleges who announced that they were coming back but are going online. If that makes you uncomfortable, you shouldn’t do it.”More From NerdWalletDon’t Wait to Refinance These Student Loans‘Shadow’ Lenders Can Leave College Students in the DarkStudent Loan Refi Rates Keep Dropping, Should You Take the Plunge?Cecilia Clark is a writer at NerdWallet. Email: cclark@nerdwallet.com. 4719