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TAMPA — Wearing masks is one of the most important ways to prevent the spread of COVID-19 — and health experts say everyone should continue to care for their face coverings to ensure protection when in public.After wearing a mask for a few months, doctors say there are some clear, tell-tale signs that it is no longer working correctly."When the edges start to fray or if the pieces where they connect start to fall apart, or if they are visibly soiled, then you should really get a new mask," said Dr. Tracey Taylor, the associate dean of USF College of Nursing.Experts also say that if a mask no longer fits over the nose or doesn't have a close fit around the face or chin, it's time to get a new one."It's super important to make sure your mask is fitting appropriately, that it's not visibly soiled, that the edges aren't frayed and that the attachments to the ear loops or tie backs — whatever type you're wearing — is appropriately attached," Taylor said.For those who own cloth masks, experts say owners need to remember to wash them. Experts say washing cloth mask with detergent or soap is best and that they don't need to be washed with super hot water. Those who own cloth masks with filters should remove the filter and clean it separately.However, there's another option."You can put them in a paper bag and seal it up for a couple of days. That'll inactivate any virus that's on it," said Dr. Marissa Levine, a professor of public health practice at USF.After several months, experts say they have more information about which masks are effective in preventing the spread of COVID-19.Cloth masks are most effective when they have at least three layers of material or a spot to add a filter. They're typically the easiest for the general public to use because they're reusable, and doctors say the research shows they mostly prevent the spread of the virus.Although any face covering is better than none, some aren't as effective in preventing the spread of COVID-19.Experts say bandanas are very thin and don't offer the same type of protection as a mask.Doctors say any mask with a valve on it is completely ineffective because the valve allows virus-carrying particles to leak out.Popular neck gaiters that wearers can easily pull up and down don't provide a lot of protection for the wearer or those around them."If you find yourself with a single layer, you could use something like a paper towel inside there to add an extra layer if you need to," Levine said.Experts advise keeping two masks on hand in case one gets lost or breaks."There's no one thing that we do that will protect us to the highest level. It's a series of things," Levine said.This story was originally published by Larissa Scott on WFTS in Tampa, Florida. 2755

Taylor Swift is back in the global spotlight after the release of her highly-anticipated new album “Reputation” and has one question for her fans, “Are You Ready for It?”.Swift announced the first 27 dates of her world tour “Reputation”, named after the new album, on Monday morning. It comes on the heels of her appearance on “Saturday Night Live” this weekend where she performed two songs of her latest studio project, “...Ready for It” and a stripped-down acoustic version of “Call It Want You Want”.The stadium tour focuses on larger venues, mainly NFL stadiums, and kicks off in May.The “Look What You Made Me Do” singer is excepted to bring back her “1989 World Tour” producer Louis Messina.Messina is no stranger to finding success with stadium tours as he also works with country superstar Kenny Chesney who is making stops in 17 NFL markets for his 2018 “Trip Around The Sun” tour.Tickets for Swift’s new tour go on sale to the general public on the singer's birthday, Wednesday, December 13.Some fans will have a chance to grab tickets early through the new Ticketmaster Verified Fan program.It will be a test for the new method of buying tickets, which rewards fans for participating in artist activities like engaging with them on social media or buying merchandise.The program faced some early backlash as some fans saw it as creating an additional expense to get the same tickets. However, ticket promoters insist it is a new layer of screening to keep the tickets in the hands of actual fans and away from scalpers.More tour dates, including international stops in the United Kingdom, Ireland, Australia and New Zealand, are expected to be announced at a later time.Reputation World Tour Dates: May 8    Glendale, AZ     University of Phoenix Stadium 1809

TAMPA, Fla. (AP) -- Sheriff's officials in Florida say a 24-year-old South Carolina man is accused of invading the home of a WWE star near Tampa.Phillip Thomas II was arrested Sunday after officials say he entered the home of wrestler Sonya Deville, setting off a security alarm.Hillsborough Sheriff's officials say the 26-year-old victim, real name Daria Berenato, spotted Thomas on the property after the alarm rang and called 911 as she fled with a guest in a car.Arriving deputies found Thomas at the home with a knife, plastic zip ties, duct tape and mace. He was arrested pending a Monday court hearing on armed kidnapping and other charges. 655

Students watching the COVID-19 pandemic play out have reason to be wary of taking on additional loans for college. With what could be a slow economic recovery, signing up for an additional bill that comes each month, no matter what, might sound like a bad idea.Federal student loan payments are currently paused. But those repayments are scheduled to resume next year before current students can take advantage of the halt. And while government income-based repayment plans and forbearance can offer a respite for economic hardships, interest still continues to add up. Private loans are even less forgiving and almost always require a co-signer.But there’s an alternative emerging: income share agreements, or ISAs. With these agreements, students borrow money from their school or a third-party provider and repay a fixed percentage of their future income for a predetermined amount of time after leaving school.Depending on the terms of the agreement and the student’s post-graduation salary, the total repaid could be much more or far less than the amount borrowed. It’s a gamble that could be worth it for students who’ve exhausted federal aid and scholarships. Here’s why.No co-signer requiredMost students need a co-signer to qualify for private student loans. Co-signers are on the hook for any missed payment, and a large balance can be a burden on their credit report. As families look to make ends meet, they may need that borrowing leverage for themselves.Income share agreements are co-signer-free. Instead of credit history, students typically get an ISA based on their year in school and major. The best terms are often reserved for students in high-earning majors near graduation, like seniors studying STEM fields. But high earners also risk having to repay a larger amount.If an income share agreement isn’t the right fit for you and you need additional funding without a co-signer, consider a private student loan designed for independent students. These loans are often based on your earning potential and don’t require co-signers. They may also offer flexible repayment options based on salary or career tenure.Unemployment safety netWith an income share agreement, if you’re unemployed — or if your salary falls below a certain threshold, which can be as low as ,000 or as high as ,000 — you don’t make payments. No interest accrues, and the term of your agreement doesn’t change.That makes these agreements a good option for students in times of economic uncertainty, says Ken Ruggiero, chairman and CEO of consumer finance company Goal Structured Solutions, which is the parent company of student loan providers Ascent and Skills Fund and provides funding for school-based ISAs.“I like the idea of not having to make a payment when you’re going into a recession or right after the recovery happened,” he says.If you’re a junior, senior or graduate student poised to enter the workforce soon, that could make an income share agreement more attractive. Tess Michaels, CEO of income share agreement provider Stride Funding, says she’s seen a significant increase in inquiries since the pandemic forced schools to shut down in March.But freshmen and sophomores have more time to wait out the economic fallout. If you’re further from starting your career, weigh the recession-related benefits of an income share agreement against the risk of giving up a percentage of your future income. Remember, you won’t know the total cost of an ISA when you sign up.But it’s not right for all studentsSome colleges offer income share agreements to all students regardless of major or tenure. Still, many of these programs prioritize upperclassmen, making it harder for freshmen and sophomores to qualify.But an income share agreement might be the wrong move even if you’re graduating soon. If your income is higher than average after graduation, you might pay much more than you received.Let’s say you get ,000 from a private ISA company and agree to pay 9% of your salary for five years. If you earn ,000 a year (the average starting salary for a college graduate) for the length of your term, you’ll repay ,950. That is equivalent to a 10.6% interest rate. In that case, a private student loan could be a better option. Fixed rates on private student loans are hovering around 4%, though independent students will likely pay more.And income share agreements have fewer protections for borrowers than student loans. Tariq Habash, head of investigations at the Student Borrower Protection Center, says that while consumer protection laws apply to these agreements, “ISA providers will say there isn’t really legal clarity because they’re new and different.” He said that he saw the same thing with payday loans and fears ISAs will take advantage of the most vulnerable students.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletHow to Get Student Loan Relief During the Coronavirus and BeyondCollege During COVID-19: Your Aid Questions AnsweredWhat to Do if There Isn’t COVID-19 Student Loan ForgivenessCecilia Clark is a writer at NerdWallet. Email: cclark@nerdwallet.com. 5166

Tax season — and tax refunds — can be a financial lifeline for many Americans. But the season can pose challenges for those who owe money to the IRS.Over 18 million Americans owed taxes in September 2014, according to the most recent data from the IRS. Meanwhile, an estimated 10 million face tax penalties each year, the IRS found.Here are three tips to help you handle your tax debt to lessen penalties and properly resolve your obligation.1. Act now 460

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