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High school seniors who plan on taking a gap year this fall to wait out the pandemic could be paying for it for the rest of their lives.While a one-year wait might seem like the right decision for students who don’t want to study online or risk COVID-19 exposure, graduating a year later could cost ,000 in lifetime earnings. A new study from the Federal Reserve Bank of New York details how taking a gap year could put students behind their peers financially and create an insurmountable earnings gap.According to the study, a 22-year-old college graduate earns ,000 on average the first year out of college, and can expect to make ,000 the year they turn 25. By contrast, if a student takes a gap year and delays graduation, they can expect to earn ,000 by age 25 — ,000 less. That gap will perpetuate and compound for late graduates throughout their careers.“Being a year behind, these differences add up each and every year, so that those graduating later never catch up to those who graduated earlier,” researchers Jaison Abel and Richard Deitz write in the report. “Together, these costs add up to more than ,000 over one’s working life, which erodes the value of a college degree.”College might cost even moreCollege typically gets more expensive every year, but this year might be an exception. A few colleges are freezing tuition or offering discounts, and students might see their living expenses decrease. Federal student loan interest rates are at historic lows as well.But experts don’t expect those trends to continue past the health crisis. And missing school this fall means you don’t get to take advantage of lower college expenses.Irma Becerra, president of Marymount University in Virginia, says colleges have had to make major investments to prepare for instruction this fall. Her school plans a hybrid-flex model that will allow students to blend in-person and remote learning based on their needs and comfort level.“Every university that I know has had to incur significant expense to deal with safely reopening or keeping staff and faculty on payroll,” Becerra says.She adds that while colleges are sensitive to the ripple effects of the economic downturn, she expects them to raise tuition in the future unless the government increases investments in higher education. “I can only imagine that [colleges] will have to raise tuition because we’ve all had significant expenses.”Students who opt for a gap year may also have to face higher tuition with less aid. According to Lindsay Clark, director of external affairs at the student finance app Savi, “Taking a gap year and deferring admission could affect scholarships or financial aid offerings if they are not guaranteed for the next year.”Is a gap year still worth the risk?While experts agree that making ,000 less during your lifetime is significant, they advise students not to base their gap-year decision on that figure alone.Arun Ponnusamy, chief academic officer at the college admissions counseling company Collegewise, points out that the return on investment for college is still substantial — even with a gap-year pay dip.A college graduate will make roughly a million dollars more than a high school graduate, according to Ponnusamy. “So we are talking about, you will lose 9% of that by sitting out a year? It just doesn’t sound like that is the number you should use to choose whether or not you sit out.”Martin Van Der Werf, associate director of editorial and postsecondary policy at Georgetown University’s Center on Education and the Workforce, advises students to consider their motivations for going to college and evaluate any anxieties they might have.As the father of a rising college freshman, Van Der Werf knows firsthand the difficult choices and serious implications facing students. He says that students who are experiencing anxiety about the fall may be best served by taking off a semester or two — despite potential wage loss.“The worst thing that could happen is you start college, you don’t finish and you have all this debt,” Van Der Werf says when talking about the potential for some students to be unsuccessful with remote learning. “Then you don’t have a degree to pay off that debt.”He advises students to keep their options open and pay attention to their school’s reopening plans. “There are colleges who announced that they were coming back but are going online. If that makes you uncomfortable, you shouldn’t do it.”More From NerdWalletDon’t Wait to Refinance These Student Loans‘Shadow’ Lenders Can Leave College Students in the DarkStudent Loan Refi Rates Keep Dropping, Should You Take the Plunge?Cecilia Clark is a writer at NerdWallet. Email: cclark@nerdwallet.com. 4719

HENRICO COUNTY, Va. -- Summer time for middle school students usually means taking a break from lessons and learning, but not for one 11-year-old girl in Virginia.London Hart is actually diving deeper into our country's history and studying recent events, including protests against racial injustice."Back when the protests started after the George Floyd incident, I was having a conversation my with parents about what was really going on and what was happening. They were telling me all about racism," said London.It's a conversation London said was very upsetting."Just because you're a minority, doesn't mean you should be treated unfairly. It made me unhappy that that was happening," said London.So the budding artist picked up her canvas and paintbrush and expressed her support for the Black Lives Matter movement the best way she knows how -- by painting.Then she turned those paintings into t-shirt designs."A bunch of people were really happy that I started this movement with the t-shirts and everybody was buying them and buying them and buying them," said London.London's "Support Shirts" campaign was shared so much online that it blew up."At first, I only expected to sell like 15 shirts at the most. So far, I have 875, raising ,600," said London.London is donating all the money to organizations fighting for racial equality, teaching others you're never too young to get involved with a cause you care about.She even offered some advice to other young people."As long as you know what you're doing and you feel like you know what you're saying and you have something you can support, then I feel like you can stand out and use your voice," said London.London's goal is to raise ,000 this summer.If you would like to buy one of her shirts, click here.This story originally reported by Tyler Layne on wtvr.com. 1840

GLENDALE, AZ — It's official: The San Francisco 49ers will play their next two home games in Arizona after local COVID-19 restrictions prevented them from playing at their home field."The San Francisco 49ers have come to an agreement with the National Football League and Arizona Cardinals which allows the 49ers to host their Weeks 13 and 14 home games against the Buffalo Bills and Washington Football Team at State Farm Stadium in Arizona," the 49ers said Monday in a statement.Over the weekend, California's Santa Clara County announced a number of new COVID-19 restrictions, which banned all sports — professional, collegiate, and youth — and required people to quarantine for two weeks if they traveled 150 miles away.Levi's Stadium, home to the 49ers, is located in Santa Clara County."The Cardinals organization, State Farm Stadium and League officials have been supportive and accommodating as we work through the many logistical issues involved in relocating NFL games," the Arizona Cardinals said in a statement.The Cardinals will host the Los Angeles Rams at State Farm Stadium on Sunday, Dec. 6. Previously, the team announced that no fans aside from a limited number of staff and players' families would be allowed inside the stadium.The 49ers will host the Buffalo Bills in Arizona on Monday, Dec. 7, and will then host the Washington Football Team there on Dec. 13.This story was originally published by KNXV in Phoenix, Arizona. 1453

Happening now LIVE! Celebration of the certification of the eradication of wild #polio in the @WHO African Region at #RC70AFRO.https://t.co/EJ5EgB44LV— WHO African Region (@WHOAFRO) August 25, 2020 205

GLENDALE, Wisconsin -- A woman filed a civil lawsuit against four members of the Glendale Police Department. The suit filed in federal court is demanding million.She claims the investigation into a dog attack that took place in March 2017 was not handled properly. The suit claims the woman was attacked by a 3-year-old Presa Canario and suffered injuries to her head, back and wrist that required more than 140 medical treatments, including 11 staples in her scalp, puncture wounds on her back and an injured wrist, which needed three surgeries to fix.A police report from the incident claims that her hand was "completely covered in blood and her hair appeared to be blood soaked."The woman also claimed the attack resulted in emotional trauma.The dog qas temporarily quarantined for 10 days. The woman also claims that police were not aware of procedure for dog attacks.The woman no charges were filed in the incident, and when she called repeatedly for an update in the investigation, a sergeant told her that "f you don't like the way we handle this get yourself an attorney and sue us."Both the Glendale police chief and the city's attorney declined to comment, citing pending litigation.Glendale City Attorney John Fuchs issued the following statement."She went into the dog's yard and approached the dog. Most of these processes pertain to dogs at large, not to people who enter upon the premises of another and engage the dog." 1472