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McDonald’s plans to accelerate “some restaurant closings previously planned for future years” because of the pandemic, resulting in 200 closures in the U.S. in 2020.More than half of the closures are restaurants in Walmart store locations, according to the company. They did not detail which stores would be closing.The announcement came during an earnings call with investors and reporters Tuesday, in which McDonald’s talked about their up-and-down second quarter of the year. They said 96% of its 39,000 restaurants worldwide are now open, compared to 75% at the start of the second quarter in April.But the recovery is uneven. Improvement has slowed in China, but same-store sales are improving in the U.S. McDonald’s net income fell 68% to 4 million during the second quarter.McDonald’s has about 14,000 restaurants in the U.S. and on the earnings call said they will have a gain of 350 net new restaurants this year as construction gets started in parts of the country.McDonald’s is not alone in closing restaurants during the pandemic. A recent report from Yelp stated 60 percent of restaurants that closed during the pandemic are permanently closed. 1168

Millions of American children are spending this fall semester taking at least some of their classes online, through Zoom, Google Meet and other platforms.And while many of the bugs, glitches and surprise Zoom "bombings" of this past spring have been fixed, experts say many threats remain.Arneesha Collins, parent of an elementary-aged boy, worries what her son is exposed to when she is not watching."I already don't want my son on the iPad or computer a lot," she said, "because when he gets on there he is already on YouTube."Laura Pipitone has two young children doing some learning at home, and says the technology is still frustratingly glitch-filled."Especially on the iPads the younger kids get, I have to log out and log back in every session," Pipitone said.She is afraid to leave her youngest one alone long at the computer."Parents are kind of expected to be in the room, so I feel like I am back in kindergarten," she said. "It's hard!"Cyber security expert Dave Hatter says hackers and predators are looking at all those children learning online as prime targets."These sort of threats against children have risen during the pandemic," Hatter said, "because kids are spending a lot of time online. You get things like 'Zoom bombing' where someone is screaming racial epithets or is semi-clothed and shows up in the video."Four things parents can doHatter, the head of Intrust IT, says parents of online learners need to take four basic security steps to ensure their screens are not open to prying eyes.Step 1: He says you should start by making sure your WiFi router is not using the default 1-2-3-4 password, or using a password that every kid in the neighborhood knows by now."It's difficult for parents to stay on top of this, but the bad guys on the other hand learn what the cool thing is, because they know where the kids will be," Hatter said.Step 2: Make sure you do regular updates of your PC and software, which patches holes that hackers will take advantage of."Installing the Windows updates is an absolute must," Hatter said. "But you gotta make sure you are updating Zoom as well, and the other software you are using on these devices."And he says make sure your school is following the latest suggestions for safe Zooming, such as the teacher being in the room at all times, and guests having to be invited in.Step 3: Hatter says you need to talk to your kids. Instruct your children to watch for strangers popping up online trying to befriend them on TikTok, Instagram, or other sites that, face it, kids often visit when class becomes boring."Warn your kids about this sort of thing. Tell them not to give personal info to someone you don't know; never agree to meet someone," he said.Step 4: Consider parental software for younger elementary-age children. Hatter suggests you look at services like Net Nanny, Norton Family Premier, Qustodio, or Kaspersky Safe Kids that limits sites children can visit, and tells you where they have been. (PCMag rates the top parental software program).Some services will also run your computer through a VPN (Virtual Private Network) that encrypts your data, making it almost impossible for a hacker to peek in.Arneesha Collins is happy her school has moved to a hybrid system, with some in-class learning, but can't wait for the days when full-time school returns."I wish they were back in school, yeah," she said.___________________________Don't Waste Your Money" is a registered trademark of Scripps Media, Inc. ("Scripps").Like" John Matarese Money on FacebookFollow John on Instagram @johnmataresemoneyFollow John on Twitter (@JohnMatarese)For more consumer news and money saving advice, go to www.dontwasteyourmoney.com 3701

Michelle Rounds, the former wife of actress and comedienne Rosie O'Donnell, has died at age 46, multiple outlets report.TMZ reports that Rounds committed suicide in her home on Monday. "I am saddened to hear about this terrible tragedy. Mental illness is a very serious issue affecting many families. My thoughts and prayers go out to Michelle's family, her wife and their child," O'Donnell said in a statement to TMZ.Rounds and O'Donnell began dating in 2011 and were married in 2012. O'Donnell filed for divorce in 2015 citing an irretrievably broken relationship.If you or someone you know is contemplating suicide, call the National Suicide Prevention Hotline at 1-800-273-8255 709

Many colleges are welcoming students back for in-person learning and dormitory living this fall semester. Looming over everything: Campuses could shut back down at any time.With COVID-19 cases still high, many colleges are developing shutdown contingency plans alongside their reopening arrangements.At the same time, the pandemic is fueling new debate about whether colleges should charge the same tuition for online and in-person classes. Tuition typically covers the cost of instruction — salaries, software, labs and such — and that cost at many schools may have increased.The University of North Carolina Wilmington, as an exception, has a different cost structure for online, hybrid and in-person classes. Still, it announced that students won’t receive a tuition refund if in-person classes move online this fall. And, after the pivot from its sister school at Chapel Hill, it told students to prepare for a similar transition if cases rise.That leaves freshman Owen Palmer weighing the possibility that the education he is paying for may not be the one he gets. “I’m taking a risk because (the university) mentioned they can’t do refunds,” says Palmer. For him, the risk is worth it, but he does wonder what he’ll do if the campus has to close.Here’s what he and other students can expect as the fall shapes up.Don’t expect a break on tuitionSome schools have cut tuition. Hampton University is offering students a 15% discount, bringing undergraduate tuition to ,519. Other schools are offering additional scholarships and grants.But tuition decreases and additional aid aren’t the norm.“If I had to make bets, I would say a lot of colleges will be (freezing tuition) until they get a better sense of the economy,” says Arun Ponnusamy, chief academic officer at the college admissions and application counseling company Collegewise. “But there will be other colleges that say, ‘We need money to run this school.’”That may be happening already. George Mason University in Virginia approved a tuition increase of 0. The University of Michigan approved a 1.9% tuition increase. Both schools are planning a mix of online and in-person instruction.Meals and housing refunds likelyMany colleges aren’t publicizing their shutdown contingency plans — or how refunds will work. But students can look to how their school handled refunds in the spring to gauge how fall might play out.Florida Agricultural and Mechanical University gave refunds for on-campus housing and meal plans, says William Hudson Jr., the school’s vice president for student affairs. If the campus has to shut down this fall, Hudson says the refund structure “would probably be the same.”Other colleges also offered direct refunds for students. For example, Temple University automatically deposited partial refunds for room and board in students’ bank accounts. The University of North Carolina Wilmington gave prorated refunds for room and board.But some colleges opted for account credit instead.The University of Arkansas refunded about 20% of room and board costs to student accounts. They haven’t announced an official plan in case of a fall shutdown, but staff members expect it’ll be the same.The University of Alabama offered a prorated refund for room and board, and parking. Students could take a cash refund immediately or apply that amount and an extra 10% as an account credit for the fall.How can you prepare?If you’re planning to return to campus housing, contact your school and ask about its shutdown contingency plans. You’ll want to know what factors would cause it to shut down again. This could be a campus COVID-19 outbreak of a certain size, an increase in local cases or other factors.You can’t stop a campus shutdown, but if you know the metrics your school is looking at, you can anticipate it and react more confidently.Make backup plans for housing if your campus closes. Determine if you’ll go home, stay with a friend, get your own apartment or something else. Communicate your intentions with those you plan to stay with or scope out affordable apartments in advance. That way, if the campus shuts down suddenly, you know exactly where you’ll go.Ask your college about emergency funds and grants if a campus closure will cause you financial hardship. Many colleges have funds available for students.Plan how you’d use a refund. If your school offers a direct refund, consider whether you’ll need that money for living expenses. If you don’t need the money for living expenses, send the refund back to your student loan servicer. Doing so will keep your overall loan balance down and save you money in the long run.More From NerdWalletPrivate Student Loan Relief for Borrowers in the Coronavirus CrisisCollege During COVID-19: Your Aid Questions AnsweredStudent Loan Borrowers: Don’t Wait on Congress for More ReliefCecilia Clark is a writer at NerdWallet. Email: cclark@nerdwallet.com. 4902

Medical offices around the country are opening back up for routine health checks and they're facing a huge problem; there's still a shortage of protective gear. Now, many are spending huge amounts of money restructuring the way they operate to keep themselves and their patients safe.On a window ledge at ENT and Allergy Associates in White Plains, New York, sits a number of brown paper bags. Inside, face masks labeled for each physician.“We have paper bags on our window sills with a bunch of masks. In there, we have 3-4-5 masks we’re rotating through. Those have to be kept covered to protect them from splatter or anything because once they get dirty, then they have to be thrown out,” Dr. Daniel Gold said. “We circulate gowns as well.”Gold is an E.N.T., which is the medical and surgical choice for anything having to do with the ears, nose or throat. It's a profession that is very much in your face, so protective gear is of utmost importance.“After wearing them for 5-10 minutes, you get short of breath and you’re like this is really hard,” he said.Doctors like Gold are having a hard time getting more gear. In fact, Dr. Gold often uses shields that are designed for sheet metal work because medical grade equipment is back ordered, or entirely unavailable. A surgical mask which once cost 30 or 40 cents now costs to .50.They've also found that knockoffs are being sold.“Not made of same material, not sealing against the face, and some had seam lines and then when you really looked, you’d realize there were holes through the seam lines that’s not blocking 95%,” Gold said. “You’re better wearing a t-shirt mask.”Dr. Gold is far from alone on this issue. It's a statewide and nationwide problem. Dr.Bonnie Litvack is the president of the Medical Society, State of New York.“That is an absolute mess because we can’t deliver the care if we don’t have the resources and the mask is ground zero for that,” Said Dr. Bonnie Livtack, the president of the Medical Society of the State of New York.When asked about whether they were able to negotiate for price on PPE, Litvack said, “With the various companies they either have it or they don’t, or you pay the prices or you don’t.”Dr. Litvack joined other state medical societies in the country by sending a letter to the Senate. They're asking the government to step in."We urge Congress to prioritize the production, distribution, and availability of PPE and testing, and accelerate efforts to conduct contact tracing,” the letter read. “All of these are essential to the safe reopening of medical practices and the economy and must be prioritized for all health care workers."They're also asking for financial help as their costs to operate, while seeing half the patient volume, are mounting.“These additional precautions and equipment is running us about per patient,” Dr. Gold said. “It’s about a million in extra overhead a month just in these extra masks, and gowns, and gloves and wipes. All these other things, which nobody could have thought to budget in because who would have thought we’d have to consider every patient highly infectious.”It's a new way of operating, as everyone is learning how to function in our new, post-pandemic world. 3229

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