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When experts look at the economy and its rebound, they go through an alphabet soup of letters, with a “V” shape recovery being the best-case scenario. It’s a fast decline with a fast recovery. Letters like “W” or “L” mean a much slower and painful path forward.A resurgence of more COVID-19 cases is shifting the likely shape of our economic recovery, and having economists evaluate the likelihood of a recovery in the shape of the more dreaded letters.“The fact that the virus has increased in a number of states shows that it is still very much a threat not only to one’s health but the economy,” said Michelle Meyer, who heads U.S. Economics at Bank of America. “The initial stage of the recovery was quite robust. It felt quite ‘V’ like, the economy was digging its way out of what was a very deep hole.”According to Bank of America, about a third of the jobs lost during the pandemic have been recovered. However, the recovery has slowed down into more of a “U” shape, and now data is showing a stall with concern of a higher chance of a “W” or “L” shape recovery.“The ‘W’ trajectory would be the worst-case scenario. That would show real fragility on the economy if we dipped back into a recession,” added Meyer.Experts say it would lead even higher unemployment, and more permanent job loss and business closures. In addition, to come out of a “W” or “L” shape recovery, we would need even more stimulus money from the federal government, which may not even improve the economic downturn as much as it did the first time.“Stimulus in Washington provides a really nice band-aid and I think it helped tremendously in the first stage of this recovery but at the end of the day, we need the economy to fundamentally improve,” said Meyer.The good news is unless there is a significant or full shutdown again, a “W” shape recovery is still less likely to occur than a “U” shape.“Our analysis projects that a 'U' shape recovery with rather steep losses and growth this year and rather flat next year and then recovering subsequently is the most likely outcome,” said David Turkington, the Senior Vice President at State Street Associates.A recent State Street study based on 100 years of historical data shows that the U.S. still has 30.1% chance of a “U” recovery, and a combined 24.4% chance of a “W” or “L” shape recovery which include stagflation and depression outcomes.“The real economy I think is what determines the recovery and how that plays forward,” said Turkington.The real economy is jobs, businesses and consumer spending. Providing stability there could determine which way the economy goes. 2615

When it comes to things like the economy or the military, the United States is considered among the strongest countries in the world.But when it comes to education, the U.S. isn’t making the grade, says Dr. Tanji Reed-Marshall with the Education Trust, a Washington D.C.-based group that aims to pinpoint and fix problems and inequities in education.Through nationwide research, Dr. Reed-Marshall found fixing our schools’ funding could be the ticket to better curriculums, improving classroom leadership and creating quality education in America."It's really important for us to understand how we think through where dollars go," says Dr. Reed-Marshall.Dr. Reed-Marshall says the billion in federal funding is not enough and isn’t going to the right places."In this country, zip code still tells the story about what you're likely to receive and the quality of it," says Dr. Reed-Marshall.Teacher Chrystal Miller stresses the notion that all areas aren’t created equal when it comes to getting a piece of the education pie. If she had to give education funding an overall grade, she says it’d be a D or an F.Miller came from a rural public school in Arkansas to the Washington Leadership Academy, a public charter in D.C. She says the difference in zip code is night vs day, and it shouldn’t be that way."Schools and students should be funded based on their need and not necessarily because you're at this zip code or you have this kind of family background or this kind of economic status,” Miller says. According to research by the Education Trust, students who live in lower income areas get about ,800 fewer tax dollars per student.Dr. Reed-Marshall says tax dollars drive education dollars. She believes there needs to be equal distribution of the tax dollars to raise the U.S. to the top of the ranks and in order to create an even and quality playing field, regardless of where students live. 1919

While experts are encouraged by early vaccine data, many still say there is a way to go before life returns to normalcy."Operation Warp Speed," is a Trump administration effort to develop and deliver a safe and effective COVID-19 in the coming months. The administration's goal is to make initial doses available by January 2021.The vaccine will initially be rationed while drugmakers produce more doses. Healthcare workers, people in nursing homes, first responders and those with high-risk health conditions will likely be the first people eligible to receive the vaccine. According to Dr. Anthony Fauci, the director of the National Insitute for Allergies and Infectious Diseases, the rest of the general population won't be able to receive the vaccine until later in 2021.Pfizer and Moderna have both announced that their vaccines are on track for potential emergency authorization from the Food and Drug Administration. But there are several other candidates that could also get approval soon — and could potentially overtake the market.Both Pfizer's and Moderna's vaccine candidates require two shots, which need to be taken 28 days apart. But health experts believe that if a single-dose vaccine gets approval, it could quickly become the standard for worldwide vaccination."So, if you can get a vaccine out there that actually requires only one dose, it could quickly overtake the market," said Dr. Marcus Schabacker the President & CEO, of Emergency Care Research Institute.Health experts are also encouraged that there are several vaccine candidates in the final stages of testing — they believe that more potential vaccines reduce safety risks."We have a lot of people in the world. We need to vaccinate in different countries under different criteria, and you always run the risk that there's something in the Pfizer vaccine that someone's allergic to that isn't in the Madonna vaccine," said Dr. Jill Roberts, an associated professor as USF Health.One question that hasn't yet been answered is how the vaccines will stand up to the newly infected."So if you're turning positive today, we know you are exposed to somebody that had COVID, and we vaccinate you today — will that actually prevent you from developing severe disease?" Roberts said.Merck is another U.S. based pharmaceutical company that is working on a single-dose COVID-19 vaccine. That vaccine is currently in early testing overseas. 2422

When you hear “self-care,” you might think of mani-pedis, relaxing facials, or soothing massages. But with millions of people struggling to make ends meet during this pandemic, practicing “financial self-care” is important, too.Rachelle Beazley of Detroit was working in sales for a food broker when COVID-19 first hit back in March.“I was lucky I didn’t lose my job – my full-time job – but I did lose my three side hustles,” said Beazley.She was a dog-sitter, an overnight nanny, and taught workshops on making hand-knitted blankets.“I think immediately with the pandemic, it was a strain. Like, oh my gosh. I’m not going to have all these financial streams coming in – this extra revenue,” Beazley recalled.She’d just started working with Ann Arbor financial therapist Lindsay Bryan-Podvin – who advises people dealing with financial anxiety to practice five steps of “financial self-care.”Start Emergency FundBryan-Podvin said the first step is starting an emergency fund – even if you’re only adding a few dollars at a time.“I know a lot of viewers are going to be like, ‘Lindsay, I don’t even have time to think about an emergency fund. I’m just trying to make ends meet.’ Any time you can scrap away ten-dollars here, 30-dollars there, it again just gives you a little bit of peace of mind that if something were to happen, you’re not totally at zero in that bank account,” she said.Bryan-Podvin advised Beazley to add up her essential expenses and multiply by three – making that amount her new emergency savings goal. Anything over that would go towards paying off debt.Insurance, Will & TrustHer number two recommendation is to set up life insurance – if you don’t have any already – along with a will and trust.This is particularly important if you are married and have kids in the home under 18.“I would say get your life insurance first, and then get your will and trust in place,” Bryan-Podvin said.“That 20, 30, 40-dollars a month can provide out a benefit of anywhere from a quarter-million-dollars to a million dollars. So that again is that peace of mind.”Explore a Side HustleThe third step is to explore a side hustle or new ways to make some extra money.“A lot of us might be taking jobs that we might be over-qualified for, or we might be picking up some odd jobs here and there just to make ends meet,” said Bryan-Podvin.She said you need to remember that the situation you’re in now will get better. “Going back to that mantra of this is temporary,” she explained.If you’re looking for ideas, think of the sectors of the economy that are doing well right now.Food delivery services, tutoring, even COVID-19 compliance consultants – a good opportunity for furloughed health care workers Bryan-Podvin explained.Give To OthersIf you are one of the fortunate ones still working during this health crisis, Bryan-Podvin said you may be experiencing Financial Survivor’s Guilt.So, her number four step with financial self-care is to give to others -- volunteer, donate, help someone in need. Even small gestures can go a long way in lending support while also making yourself good knowing you’re doing something to help during this pandemic.“if you’re in a financially stable situation, practicing some gratitude, saying I’m thankful that I have some income coming in and how can I give back to my community in other ways,” Bryan-Podvin said.Lean On CommunityHer fifth suggestion for practicing financial self-care is to lean on community – whether it’s taking turns meal prepping or entertaining the kids in your “pandemic pod.”“It’s about opening up your house safety to a handful of other people who you know are already practicing safe behaviors to get some additional help.”Back to Rachelle Beazley.She took the money she’d previously spent on gas and dining out and saved enough for her emergency fund and paid off two loans.Then, she leaned into a side hustle!She started a new business hosting virtual wellness retreats for women.“I’m not sure if my parachute is going to open just yet but I have to believe in what I’m passionate about,” said Beazley.Beazley quit her day job on September 1, 2020, to start working on her business – Aloe and Alchemy.Her next virtual retreat is October 17.As for financial self-care– Lindsay Bryan-Podvin said you can re-order her five steps to suit where you are in your life.This story was first reported by Alicia Smith at WXYZ in Detroit, Michigan. 4423

WEST SENECA, N.Y. —From the running water to the statues and perfectly trimmed plants, Pam and Dave Hubert's backyard in West Seneca, New York, is a place the couple can sit back and relax.But last fall was anything but relaxing for the family."I had a lump in the right side of my throat that I've had many times from having sinus infections," explained Dave. "I went to the doctor and he said something's not right this time.""His words were: you have cancer," Dave said. "You're going to go through hell, but you're going to survive."Dave was diagnosed with throat cancer at the end of August. He had 35 radiation treatments and two rounds of chemo. After months of grueling recovery, he was cancer-free, and could finally sleep and eat again.Pam was by his side throughout it all."We said there's got to be other purpose here than us being sick," Dave said. "I didn't get sick to get sick. I got sick cause someone else needs us to help them get through this."As fall approached this year, Dave had one question for his wife."He said to me, 'do you plan on decorating the yard for the fall?'" Pam recalled. "And I said 'yeah I usually do.' And he said, 'I was hoping you would say that, because last year I just couldn't, I was too tired, too weak I just didn't enjoy it the way I wanted to enjoy it.'""I tried to be out here doing some work," Dave said. "But I was just so tired. I was just so exhausted from the treatment."Pam decided this year needed to be different, so she put out a call on Facebook to people she knew, and to strangers."If there's somebody you know battling cancer or survived cancer, or may have lost a battle to cancer, I would like to honor them," Pam said. "And if you have a pumpkin I'm happy to put it in my yard and we'll display it."That's when the pumpkins started showing up. They have names of patients who have fought cancer, and also messages to those who were lost to the disease. 1929