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ATLANTA, Ga. – The Centers for Disease Control and Prevention (CDC) announced Thursday that it has expanded its list of people who are at an increased risk of getting severely ill from COVID-19.While everyone is at risk of contracting the novel coronavirus, some people are more likely than others to become severely ill, meaning they may require hospitalization, intensive care or a ventilator to help them breathe, or they may even die.Older adults and people with underlying medical conditions remain at increased risk for severe illness, but now the CDC has further defined age- and condition-related risks.Before, the CDC said those 65 and older were at an increased risk of severe illness. Now, the CDC says it has removed the specific age threshold from the older adult classification. The agency now warns that among adults, risk increases steadily as you age, and it’s not just those over the age of 65 who are at increased risk for severe illness.The CDC says age is an independent risk factor for severe illness, but risk in older adults is also in part related to the increased likelihood that older adults also have underlying medical conditions.The CDC has also updated its list of underlying medical conditions that increase risk of severe illness. After reviewing reports, studies and various other data sources, the CDC found there is consistent evidence these specific conditions increase a person’s risk of severe COVID-19 illness:· Chronic kidney disease· COPD (chronic obstructive pulmonary disease)· Obesity (BMI of 30 or higher)· Immunocompromised state (weakened immune system) from solid organ transplant· Serious heart conditions, such as heart failure, coronary artery disease, or cardiomyopathies· Sickle cell disease· Type 2 diabetesThe CDC says these changes increase the number of people who fall into higher risk groups. An estimated 60% of American adults have at least one chronic medical condition and obesity is one of the most common underlying conditions that increases one’s risk for severe illness – with about 40% of U.S. adults considered obese.The more underlying medical conditions people have, the higher their risk.The CDC also clarified the list of other conditions that “might” increase a person’s risk of severe illness, including additions such as asthma, high blood pressure, neurologic conditions such as dementia, cerebrovascular disease such as stroke, and pregnancy.A report published Thursday further adds to the growing body of research on the risk for pregnant women. Researchers found pregnant women were significantly more likely to be hospitalized, admitted to the intensive care unit, and receive mechanical ventilation than non-pregnant women. However, pregnant women were not at greater risk for death from COVID-19.“Understanding who is most at risk for severe illness helps people make the best decisions for themselves, their families, and their communities,” said CDC Director Robert Redfield MD. “While we are all at risk for COVID-19, we need to be aware of who is susceptible to severe complications so that we take appropriate measures to protect their health and well-being.”Protecting yourself, your family, and your communityThe CDC says every activity that involves contact with others has some degree of risk right now. Knowing if you are at increased risk for severe illness and understanding the risks associated with different activities of daily living can help you make informed decisions about which activities to resume and what level of risk you will accept. This information is especially critical as communities begin to reopen.Officials recommend that everyone do their part to implement prevention strategies, such as focusing on activities where social distancing can be maintained, washing your hands frequently, limiting contact with and disinfecting commonly touched surfaces or shared items, and wearing a cloth face covering when you are around people you do not live with, especially when it is difficult to stay 6 feet apart or when people are indoors."By taking these steps, you can help protect yourself, your loved ones, and others around you, including those most vulnerable to severe illness," the CDC writes. 4219

Attending college from a laptop in your childhood bedroom might not be the experience you had in mind.But just because you’re not living in a dorm this fall doesn’t mean that expenses disappear. Your cost of attendance might have changed if you’re learning remotely due to COVID-19, but colleges will factor at-home or off-campus living expenses into your overall costs.And you can still use financial aid — including student loans — to pay for them.How cost of attendance worksColleges determine their own cost of attendance for each academic year. This amount factors in all of your direct costs including tuition, fees, room and board, as well as estimates for books, supplies, technology and transportation. Schools often have different cost-of-attendance calculations for students who live in dorms, off campus or even in another state.Your financial aid and student loans are applied first toward tuition and fees, then room and board. Any remaining funds are distributed to you to use for living expenses.Your aid package might shift if your cost of attendance changes.For example, you can borrow money only up to the total cost of attendance; if that number goes down, so does the amount you can borrow. And if any part of your aid package is pegged to living on campus and you no longer are, your aid could change.How cost of attendance is different this yearCost of attendance is adjusted annually, but some schools are modifying their calculations due to the pandemic. For example, Williams College, a private school in Williamstown, Massachusetts, reduced its cost of attendance for 2020-21 by 15%. Williams College is planning a hybrid of in-person and remote learning — students can live on campus if they want to.Schools that go fully remote will have few — or no — options for on-campus housing. And that could mean heading back to your parents’ house or finding off-campus accommodations.Your school might break down the cost of attendance according to your living situation. Here’s what 2020-21 looks like at the University of California, Berkeley, for example, where students will attend remotely for the start of the fall semester:Living in a campus residence hall: ,460.Living in an on-campus apartment: ,876.Living in an off-campus apartment: ,920.Living with relatives: ,492.If your school goes remote, the cost of attendance will be modified for all students. But if you have the choice to return to campus and stay home instead, you must let the college know your plans so your cost is adjusted.“It’s actually less expensive if students stay home and take classes remotely,” says William Hudson Jr., vice president for student affairs at Florida A&M University in Tallahassee, which is planning a hybrid approach.Cost of attendance represents the ceiling on what you can borrow. Every dollar you don’t have to borrow is a dollar you don’t have to repay, with interest, down the road. That means if you stay home rent-free or share an apartment with others to save on living costs, you’re way ahead in the long run.Here are some possible college living arrangements you’ll have in the fall and how to pay for them:Living on campus for in-person or online classesIf your school is operating an in-person or hybrid model where you live on campus, your cost of attendance won’t change, which means your financial aid won’t change either.But your campus could close during the school year due to COVID-19. If this happens, as it did to many colleges last spring, your school will likely reimburse a prorated amount for nontuition costs like room, board and facility fees.Multiple schools that are planning to open in person are also moving to remote instruction after Thanksgiving break. Some schools are also staggering move-in dates. Those factors could alter the total cost of room and board you’re paying this semester.For example, at Penn State University, students will start the fall semester in person but switch to remote learning in late November. To reflect this change, the cost of a standard double room was lowered by 7 — from ,427 to ,820 — and the midlevel meal plan was lowered from ,449 to ,193.Living off campus on your own or with roommatesLiving off campus, you won’t have room and board taken into consideration, but you’ll have additional expenses like rent, groceries and utilities. You can use financial aid to pay these bills.Colleges often use regional data and student surveys to come up with estimates for off-campus rent and utilities, and oftentimes those amounts aren’t too different from living on campus, says Jill Desjean, policy analyst at the National Association of Student Financial Aid Administrators. However, your school will always consider living off campus to be cheaper than living on campus.Montclair State University in New Jersey, for example, estimates that housing and meals for in-state students who live off campus will cost ,068 for the fall semester, compared with ,193 for room and board on campus.Living at home with your parentsYour expenses may be lower at home with your parents than living on your own or on campus, but colleges will factor into their estimates the costs your parents take on by having you home, Desjean says.“When you bring that student back in, the lights are on longer, you have to feed them so the cost of food goes up, heating — everything goes up,” Desjean says. You can use financial aid to offset your contribution to increased home bills.And remember that the school’s cost of attendance impacts how much financial aid you can get, but it’s an estimate rather than an exhaustive list. You might need additional technology and equipment to learn more effectively from home, such as a dedicated desk setup and laptop if you don’t have one.How to get more funds for living expensesIf you or your family run into financial difficulty during the school year, ask your school about getting more financial aid. This requires you to submit a financial aid appeal to your school with a letter and to update the Free Application for Federal Student Aid, or FAFSA.You might also qualify for emergency aid such as cash grants, completion scholarships, emergency student loans or vouchers.More From NerdWalletWhat Is College Cost of Attendance?7 Kinds of COVID-19 Relief for College StudentsCollege During COVID-19: Your Aid Questions AnsweredAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 6470

As school districts across the country prepare to return to school, small businesses that rely on child visitors are closely watching."We're probably at about 15-20% of the business that we normally do. It has been a real gut-wrenching, heart-wrenching moment," said Susan Shaw, owner of The Art Barn in Georgia.When the pandemic hit in March, she thought her business would only be on a month hiatus. Shaw, who goes by Farmer Sue, quickly realized that wasn't the case."By the end of the month I realized we are not going to be back to normal. The schools, our entire spring was lost and 95% of our summer is lost and 100% of our fall is lost because no one is going to be coming out on field trips," said Shaw.The Art Barn provides art and agriculture entertainment for children throughout the year. Shaw hosts birthday parties, school field trips and even teaches at private schools in the afternoon. They, like Benton Family Farms in Kentucky, rely almost entirely on birthday parties, field trips and summer camps to keep their businesses running.Benton Family Farms says their camps ended up getting canceled."Nothing. Five weeks of camp, every weekend of birthday parties, all of our mobile trailers going out. Our mobile trailer was going out to day care centers, churches and libraries," said owner Mary Marcum.Marcum says every single scheduled event they had was canceled. Marcum has been running educational programs on the farm her parents owned for 72 years."For eight weeks now I thought, gosh what can we do? Because my husband does most of the books and he’s said, 'You're in trouble. You’ve got to do something.' And I had done goat yoga about three years ago, but I didn’t have the time," said Marcum.Marcum ended up turning to that one program she felt could hold up during the pandemic: goat yoga."Goat yoga! People were like, it's almost outdoors, it just has a cover over it. It was an open barn and they started coming!" said Marcum.The twice weekend sessions are helping Benton Family Farms pay for some of the feed for their animals. Marcum is now taking donations, holding auctions online and creating any limited outdoor programming she can to try and stay open. So far, only about 180 people are coming out to visit the farm a month. Compare that to their normal of 4,000 people a month. "You're talking about a parent and a child. At 4,000 that’s ,000. I can do all the little things I want but there’s a lot that’s just too much to make up," said Marcum."There were a lot of tears, more prayers and then more tears and then it was finally in mid-June I was able to grab my bootstraps and say, ‘No, you made this business from absolutely nothing, a crazy idea no one thought would work. Girl get your gumption and get going,'" said Shaw.The Art Barn is also trying to be creative with programming to bring people back to her farm during the pandemic. Shaw is creating educational videos of her programs that can be used as a virtual field trip for school districts across the country."There literally will be a field trip online and we’ve broken them into the five stations so the school can purchase, rent those videos and go online," said Shaw.Small businesses like The Art Barn and Benton Family Farms are desperately hoping that schools will allow field trips again soon. Right now, they aren't expecting any student visitors this fall but are hopeful that COVID-19 rates will at least be low enough for field trips to resume in the spring. 3489

AUSTIN, Texas (AP) — A federal judge has ruled that Texas’ statewide mask mandate must extend to inside polling places. But election officials Wednesday did not appear to be rushing to enforce the order. It was handed down after more than 8 million people have already cast ballots. U.S. District Judge Jason Pulliam said not requiring face coverings in Texas polling places created a discriminatory burden on Black and Latino voters, who are at higher risk of death and severe illness from the coronavirus. Texas Governor Greg Abbott had included an exemption for polling places in his statewide mask mandate. The governor said he encourages people to wear a face mask but exempted polling places from the mandate because he didn't want voters turned away from the polls just because they didn't have a mask, according to the Texas Tribune. Texas Attorney General Ken Paxton immediately appealed Tuesday’s ruling. Texas is three weeks into early voting, but Pulliam said enforcing a mask order would not be disruptive.According to the U.S. Elections Project, which is tracking early voter data, there have been more than 8.1 million votes cast already in Texas as of Wednesday afternoon. That's roughly 90 percent of all votes cast in the 2016 election. 1263

Backpage.com, a popular website used to solicit sex was shut down by the feds this week. In Martin County, Florida, deputies are expecting more women to sell themselves on the street now as a result. As much as Backpage made it easier to buy and sell sex, investigations into the illegal trade would often start there. “Backpage, that was like the hub for us. We usually built a lot of our cases,” MCSO Lt. Jesse Carde told Scripps station WPTV in West Palm Beach in an interview. She took WPTV to where they’ll shift more attention as they expect pimps and prostitutes to do the same. “Not that they ever stopped the operations on the street but obviously we expect a little more for traffic,” she said. Generally the popular days for prostitutes to be out on the streets in Martin County are after payday, Friday and Saturday, but now with Backpage shut down, there could be changes. “People that live in neighborhoods that have in the past tended to be hotspots for prostitution, they’re going to probably see resurgence of it at least until the prostitutes, the sex workers, find a different way to use the internet,” MCSO Sheriff William Snyder said. “I’ll take you by the street where we’ve shut down a couple brothels in the neighborhood,” Carde said. These brothels would market themselves online, but also using old school methods such as business cards promoting a shell business and a wink. “As they’re passing out their cards well it’s ‘not really but come by, we’ll take care of you’ and people in the neighborhood already knew what kind of business it was,” she said. Detecting those will rely more on tips and undercover surveillance.With Backpage down, Lt. Carde says it will make it harder for traveling sex workers to find Johns. It will also help curb underage and girls forced into the trade. “I think it’s definitely a win for law enforcement that Backpage has been shutdown,” she said.  1986