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At least 452 people were killed and thousands injured after a powerful earthquake struck near the border of Iran and Iraq late Sunday.The 7.3-magnitude earthquake is the deadliest of the year, eclipsing the one that hit Mexico City in September, and was felt as far away as Turkey and Pakistan. 302
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 parents try to safely entertain their children this summer, many have turned to trampoline parks, bounce houses and bowling alleys that have reopened. But what are the risks of this indoor fun? We asked doctors to weigh in."I think it makes me a little nervous as an infectious disease doctor. A couple reasons. One, it's bringing a lot of people in close proximity and I think we don’t really know what the potential is for transmission in children to other children and adults," said Dr. Beth Thielen, an infectious disease expert with the University of Minnesota.Dr. Thielen says there are still a lot of unknowns when it comes to how easily children can spread the coronavirus to each other. Plus, the effectiveness of masks at an indoor venue like a trampoline park could be minimal. "It's a lot of people in a potentially close space where there’s a lot of aggressive jumping and such, more respiratory secretions. Potentially similar to singing or other activities where you’re producing a lot of droplets and I think that there's real potential to spread in a confined group at this time," Dr. Thielen said.We reached out to dozens of trampoline facilities, bounce house venues and bowling alleys across the country. Only Bowlero Corporation, which also owns AMF and Bowlmor Lanes, responded, directing us to their website listing their new health and safety measures when it comes to protecting guests from COVID-19.The message on their site reads: "As we begin to reopen centers across the country, nothing is more important to us than the health and safety of our guests and staff. In addition to following State and Federal guidelines on COVID-19, we are taking precautions to ensure your visit with us will be safe."Some of their listed new safety measures include temperature checks and masks for their staff. On Launch Family Entertainment's website, which owns Launch Trampoline Park franchises nationwide, the company details their "rigorous STERILE cleanliness certification program." The national certification ensures contactless entry for guests, face masks and gloves for staff, sanitation stations plus reduced capacity.Dr. Thielen responded, "I think it all depends. The devil's in the details in terms of the number and in terms of how restricted [it is]. Is it groups of people who are all spending time together and they're quarantining together in a contained group or is it a mixed population of people from different sites that could be intermixing?" She adds, if she were forced to choose between a trampoline park, bounce house venue or bowling alley, she'd go with bowling alley."I think if people go to a bowling alley and they're wearing masks and staying in their individual space, then there's potential physical separation between people in one lane and another. That's something I would be looking at, can you maintain physical space from other people? It seems harder in a trampoline park but if that could be done safely that would be a positive factor," said Dr. Thielen. Above all, ensuring people are not sick at these indoor venues is key. And it's best to leave high risk populations, such as people with medical concerns or over the age of 60, at home. 3210
As the counting of ballots continue, one trend is emerging: the final result will be close. A potential consequence of that will be a recount. Perhaps in one state or in multiple states. RECOUNT RULESEach state handles recounts differently. For example, in Arizona, an automatic recount is triggered if the margin between candidates is less than or equal to 0.1 percent of the votes cast. In Georgia, candidates can request recounts if the margin is no more than .5 percent of total votes cast.DO RECOUNTS CHANGE ANYTHINGAccording to FairVote.org, recounts rarely change races. Since 1980, there have been 5,778 statewide elections.There have only been 31 completed statewide recounts.Only three have been overturned because of a recount.Perhaps the most famous recount of all was in Florida in 2000.But the 2000 Florida Recount only shifted the final margins by 1,247 votes or 0.02%In a recount in Wisconsin in the 2016 Presidential race, the final margin only changed by 571 votes. "I believe recounts in themselves are not in favor of those who have lost a race unless it's a very close margin," Dr. Eric Claville, a political scientist with Norfolk State University said. 1183
As the number of coronavirus cases continues to climb around the world and disrupts the travel industry, Princess Cruises has announced cancellation of early 2021 trips.“Due to restrictions and limitations with border and port access determined by government and health authorities and the continued uncertainty of airline travel,” Princess Cruises canceled about 30 voyages on two ships.The Island Princess, which stopped at ports around the world, and Pacific Princess, that sailed around South America and Australia, will not set sail until at least April, according to a release from the company.The cancelled voyages include a 111-day around-the-world from Los Angeles.Princess Cruises, which is owned by Carnival, is offering refunds or credit for a future cruise.Carnival Cruises has also canceled some 2021 voyages, and likely won’t return to full capacity until 2022.The cruise company is facing legal action for their handling of passengers when the coronavirus pandemic started this spring. Two lawsuits allege Princess Cruises did not act fast enough to impose quarantines when cases were discovered.When the lawsuits were filed in June, Princess Cruises told USA Today “our response throughout this process has focused on the well-being of our guests and crew within the parameters dictated to us by the government agencies involved and the evolving medical understanding of this new illness.” 1414
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