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April the giraffe’s last calf, Azizi, has died. April became a viral hit after two of her calves’ births were live-streamed online. Azizi was born as millions watched in March 2019. He was April’s birth and last calf.Azizi was later sent to the East Texas Zoo and Gator Park to live. The facility announced his death Wednesday in a social media post. 358

An announcement by the Commission on Presidential Debates (CPD) that the second debate between President Donald Trump and Democratic presidential nominee Joe Biden would take place virtually set off a chain of public negotiations regarding the status of the remaining debate schedule.For the third time on Thursday, Trump's campaign issued a statement concerning the Oct. 15 debate. The virtual format was likely made with safety in mind, as Trump contracted COVID-19 last week and may still be infected next Thursday. Biden had said earlier this week that debates should not be held while Trump is infected with COVID-19 for the safety of those involved.On Thursday, Trump's physician Dr. Sean Conley said he expects that Trump can resume public activity on Saturday following a 10-day isolation period from the coronavirus. The Trump campaign subsequently said that an in-person debate must move forward on Oct. 15. The campaign also accused the commission of "protecting Joe Biden." 994

An influx of college financial aid applications this year means that money could run out for students who don’t file early.Due to financial strain caused by COVID-19, nearly 40% of families that didn’t previously plan to apply for federal financial aid now expect to do so, according to a recently released survey from Discover Student Loans.The federal government, states, colleges and other organizations use the Free Application for Federal Student Aid, or FAFSA, to award financial aid. You must complete the FAFSA to be considered for financial aid.You have 21 months to submit the FAFSA for any given academic year. For the 2021-22 school year, the FAFSA opens Oct. 1, 2020, and closes June 30, 2022. But that doesn’t mean you should wait.“There is no downside to applying early, but a lot of risk in applying late,” says Manny Chagas, vice president and head of marketing and product at Discover Student Loans.Here’s why you should file the FAFSA now.Better shot at more free moneyThe sooner you submit the FAFSA, the greater your chances are of getting free aid you don’t have to repay, such as grants or scholarships.Federal Pell Grant money likely won’t run out, but other need-based aid, including that awarded through your school and state, is limited and awarded on a first-come, first-served basis. Jack Murphy, financial aid counselor at the University of Northern Iowa, named the Federal Supplemental Educational Opportunity Grant and his school’s tuition assistance grant as examples.The Federal Work-Study Program also has limited funds, so you’ll want to file the FAFSA early to take advantage of it.More time to appeal a financial aid decisionStudents and parents who are dissatisfied with their aid amounts or have a change in economic circumstances can appeal the financial aid award from their school. To do this, you need to petition your school with a financial aid appeal letter and provide evidence to support your need for more aid. If you wait too long, the aid money could run out.Those who file the FAFSA early are more likely to receive their school-based financial aid awards with their college acceptance letters. While your federal aid will be the same no matter where you attend college, you can send your FAFSA information to several schools to see which will give you the best school-based aid package. Doing so early will allow you to compare offers and appeal if necessary.If you apply for the FAFSA late, you not only risk a smaller award to begin with, but you also have less opportunity to “shop around” and submit a successful appeal letter.A quarter of parents surveyed by Discover Student Loans say they’ll appeal their financial aid decision because of previous award amounts and pandemic-induced changes in family finances. In speaking about the survey, Chagas emphasizes that there tends to be more money available early in the process, so students should make the FAFSA a priority.Murphy agrees. “Filing early makes sure you’re in the running to receive as many awards as possible,” he says. “We see students that get [aid] one year, but not the next.”They don’t lose out on aid because they no longer qualify, Murphy explains. They just waited too long.More From NerdWalletNerdWallet’s FAFSA GuideYour FAFSA Questions AnsweredWhat Are the FAFSA Requirements?Cecilia Clark is a writer at NerdWallet. Email: cclark@nerdwallet.com. 3387

An estimated 1 in 5 Americans reported being victims of package theft over the summer — reaching near “peak levels” — according to a survey from Security.org, a security research site. And porch pirates typically get even more brazen around the holidays.Worried about your Black Friday purchases or Grandma’s gingerbread cookie care box arriving safely? Here’s how to protect your holiday packages.Track your packagesMost delivery services provide tracking information so you can easily follow along with order updates. The United States Postal Service, FedEx and others also allow you to sign up for shipment alerts through a combination of email, text, phone call or app notifications. Once you get an estimated delivery day or time, arrange for someone to be home during that window.Leave special delivery instructionsTry as you might, perfectly timing your package’s arrival isn’t always possible. If you suspect nobody will be around to accept the order, leave specific instructions for the delivery driver. For example, you can require a signature for delivery or request the package be left at a side door or with a neighbor.You’ll likely need an account with the carrier and the order tracking number to set preferences. Some services charge for certain special requests, so read the details carefully before choosing an alternative.Install a security cameraA front-door or doorbell camera can scare off would-be thieves, but it’s not a guarantee. In the event someone swipes your package, having one can still help you out, though. You can submit footage as evidence when you file a claim or police report.Plus, some cameras offer protection plans. The Kangaroo front door security kit comes with one year of the Kangaroo Complete plan, which reimburses up to 0 for stolen packages twice a year.Allow Amazon to leave packages inside your garage or gateKey by Amazon, a smart home system, lets you get packages dropped off inside your garage, gate, car or home (in-home and in-car deliveries have been paused due to COVID-19). With this method, drivers get secure, one-time access to unlock the door and leave your package.But Key works only with Amazon orders, and there are some requirements: You must have a Prime membership, live in an eligible area, purchase the necessary equipment or own a compatible car.Send packages to a facility, locker or storePicking up an order somewhere other than your residence isn’t the most convenient option, but it could be the safest. Consider making a post office, self-service locker or retail location the shipping destination.You can reroute FedEx packages to a nearby Walgreens or send Amazon orders to a secure locker. UPS has Access Point pick-up locations at its stores as well as Michaels, CVS Pharmacy and Advance Auto Parts.Ordering from a retailer with brick-and-mortar locations? Explore curbside or in-store pickup options.If something goes wrong, contact the retailer or delivery serviceIf your package is missing, reach out to the merchant first, then the carrier responsible for delivery (if necessary). They may issue a replacement or refund your money, depending on the circumstances and their order policies.Check your credit card details and insurance policyIf the retailer or delivery company won’t cover you, your existing credit card or insurance provider might. Many credit cards include purchase protection, a benefit that covers stolen items up to a certain amount. Purchase protection usually applies only for a specific period of time following a purchase.Homeowners and renters insurance policies often include protection for stolen personal property, too. Check yours to find out if you’re covered. Insurance providers, like credit card companies, typically require you to file a claim and police report to take advantage. However, most deductibles are set at 0 or more, so you’ll probably end up paying more out of pocket to file a claim than your item is worth.File a police reportFiling a police report can still be a good idea even if you don’t submit a claim through your credit card or insurance company. The information you provide can help law enforcement track down thieves and possibly reunite you with your stolen goods.More From NerdWalletHow to Get the Best Amazon Black Friday 2020 DealsLaptop and Computer Black Friday 2020 Deals: Are They Worth It?Ring Doorbell Black Friday 2020 Deals: Are They Worth It?Lauren Schwahn is a writer at NerdWallet. Email: lschwahn@nerdwallet.com. Twitter: @lauren_schwahn. 4512

As Democrats remain nervous over the status of the Senate and White House, Democrats will likely retain the House.This comes despite losing some ground so far in the House. As of 3:30 a.m. ET, Democrats have flipped two seats in their favor, while Republicans have flipped six, resulting in a net gain for the GOP of four. Democrats can afford to lose 14 seats and retain a majority in the House.All six seats Republicans flipped on Tuesday were ones that Democrats flipped in 2018. The two seats gained by Democrats both came in North Carolina. Deborah Ross took the state’s second congressional district, while Kathy Manning won the state’s sixth congressional district. Both seats were open as the two GOP incumbents were not in the general election.The Republicans gained a seat in Florida’s 26th district as Carlos Gimenez upended incumbent Rep. Debbie Mucarsel-Powell. Mucarsel-Powell was only a one-term member of Congress as she herself defeated an incumbent GOP representative. The Florida 27th was also a turnover for Republicans, as Maria Elvira Salazar defeated Rep. Donna Shalala, who was a freshman first elected in 2018. In South Carolina, Nancy Mace narrowly defeated Rep. Joe Cunningham. In Minnesota, Michelle Fischbach defeated Rep. Collin Peterson by what appears to be a sizable margin. Stephanie Bice won a narrow race over Rep. Kendra Horn in Oklahoma. Yvette Herrell has defeated Rep. Xochitl Torres Small in New Mexico. 1454