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Millions of people who are working or those hoping to return to work soon are depending on childcare. However, the industry is ringing the alarm, warning that most childcare providers are on the brink of closing permanently.“The fixed cost in these small businesses is so high that you are already running at very close margins and then with COVID, that pushed everything over the edge,” said Serah Kaiel.Kaiel has owned and run a small day care, Little Thinkers Montessori in New York City, for nine years. In March, her enrollment dropped by almost 80%, while her cost to stay open went up substantially.“It is like 0 to ,000 per child extra per year,” said Kaiel. "Like for the PPE, for the cleaning products, for all the things that go into keep it as safe and the best practices.”After operating in the red for six months, most providers are now coming to terms with the reality that staying open may not be a possibility much longer.“I represent women of color, I represent single mothers, and we are working on the front lines in this pandemic and we have the most to lose with the least amount of resources available to us,” said Kaiel. “There are moments when it is really scary.”A recent survey done by the National Association for the Education of Young Children shows that without some government aid, roughly 50% of childcare providers throughout the country could close permanently by the end of fall.Experts point out such a substantial loss of childcare could force more people out of the workforce. Low-income workers and women would be disproportionately affected.“It has this massive impact on the economics of communities. It has this massive impact on the economics of society, on women having the same opportunities that men do,” said Rhian Allvin. "It has a ripple effect that is really dramatic."Allvin is with the National Association for the Education of Young Children. NAEYC is calling on Congress to act and allocate billion for the industry in the next stimulus package.“We have really strong Democrat support. We have really strong Republican support. So right now, the hold up in Congress I don’t think is childcare,” said Allvin. "But young children and our field will suffer if they don’t get a stimulus package pass between now and the election.” 2298

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

Military leaders in the impoverished southern Africa nation of Zimbabwe have staged an apparent coup, placing veteran President Robert Mugabe under house arrest and deploying tanks to the streets of the capital, Harare.The President of neighboring South Africa, Jacob Zuma, said 93-year-old Mugabe -- the world's longest living leader -- was unable to leave his home. Troops were reportedly stationed at the country's parliament and presidential palace.In a dramatic televised statement in the early hours of Wednesday morning, an army spokesman denied that a military takeover was underway. 599

MATTHEWS, N.C. (AP) — A mixup with the first absentee ballots sent in North Carolina caused some voters to receive two identical ballots for the November general election, according to election officials.Some ballots intended for voters in Matthews were mislabeled with the wrong names and were shredded before they could be sent this week, Mecklenburg County election officials told news outlets.When officials printed new mailing labels to correct the mistake, some voters ended up getting two duplicate ballots.Fewer than 500 voters were affected, Election Director Michael Dickerson said.The official added that it was unlikely that voters could have cast two ballots, a felony, because each mailing label includes an individual code making it impossible to vote twice.About 813,000 absentee ballots have been requested in North Carolina as of Monday as millions of Americans prepare to vote by mail to avoid polling places during the coronavirus pandemic.President Donald Trump, who has made unsubstantiated claims of voter fraud through mail-in voting, tweeted about the incident in North Carolina Thursday. 1121

Many high school seniors around the country are finalizing their college applications. As officials begin reviewing students' transcripts and extracurricular activities, they want to offer reassurance that there will be understanding when it comes to accommodating students who've had their high school careers thwarted by 2020."Parents are very anxious about what’s going to happen to their children. How is the application process? Where will they go? Students are anxious because the SATs and ACTs are canceled, and they're coming on board slowly but surely. But what does this mean? They didn’t have grades , most of them, coming out of junior year because things went pass/fail or credit/no credit and now they've been hybrid environments, as well," said Ben Matthew Corpus, Vice Provost of Enrollment at Florida Polytechnic University, an all-STEM university.Corpus says there's a lot of anxiety among college-hopeful students right now. But he and other university admissions officials say not to stress. Admissions committees are also making adjustments, even with the state university system in Florida still requiring their applicants take the SAT."The challenge with that is, if I was a junior last spring and I was planning to take the SAT, it got canceled. And so I thought, 'OK, maybe I’ll take it in the summer,' and it got canceled as well. And now we’re into fall and there are not that many test dates and now the admission deadlines are upon us, what will I do," said Corpus.Florida Poly wants to assure students that they can still apply, and this year they won't be weighing SAT and ACT scores heavily on their college applications.At the University of Denver, they are test optional. In other words, taking the SAT or ACT is not a requirement. "Last year our full pool of 22,000, 25% of our applicant pool applied test optional and we anticipate with far fewer sites to test this year that could be 40-50% or more. And we’re okay with that, if we have more than half of our pool applying test optional this year, we’ll make it work," said Todd Rinehart, Vice Chancellor of Enrollment Management at the University of Denver."I think the main sense that our staff has on right now is flexibility and patience. We just know it's going to be different," said Rinehart. Rinehart has some advice for parents and children who are applying to college this fall: don't stress about the extracurriculars or lack of any during 2020. "Those things didn’t carry a lot of weight to begin with. When you really peel the onion back, admission committees are primary looking at the rigor of your curriculum and performance in class and all those other things maybe added up are maybe 10-15% of the decision but really the bulk of the decision is still the student’s academic record," said Rinehart.But what about those students who've suffered academically because of the pandemic or online learning? "If you’re online a few days, I know it's just easier for students to miss assignments or a quiz or test or they just don’t test as well doing something online than in person. So, yes, we got through this season of applicants with incredible eyes wide open and with just a sense of flexibility and understanding," said Rinehart. Rinehart adds students should be reassured that they will still get a fair and consistent evaluation and that no child should have 2020 work against them any more than it already has. 3426