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Anyone could have predicted that Stephen Colbert's opening Emmy monologue would include talk of politics and mentions of President Donald Trump, but no would could have predicted a surprise cameo from White House alum Sean Spicer.The former White House press secretary made a brief appearance at the end of Colbert's opening monologue for a bit that appeared to mock Spicer's defense of Trump's inauguration attendance.PHOTOS: Celebs at the 2017 EmmysOn stage, Colbert asked if someone could predict how large this year's Emmy audience would be -- Spicer's cue to emerge from backstage."This will be the largest audience to witness the Emmys, period -- both in person and around the world," Spicer said from a podium.Spicer battled with reporters back in January as he defended the size of the crowd that showed up to watch Trump's inauguration. At the time, he said, "This was the largest audience to ever witness an inauguration, period," despite photographic evidence to the contrary.Colbert also joked that HBO's Emmy-nominated Bernie Madoff TV movie "Wizard of Lies" was "the Sean Spicer story." Spicer's appearance drew reactions of shock from the celebrity audience."Melissa McCarthy everybody. Give it up," Colbert said, joking, as the camera panned to McCarthy, who famously impersonated Spicer on last season's "Saturday Night Live."The-CNN-Wire 1363

An operation is underway to evacuate thousands of tourists after a deadly earthquake that rocked some of Indonesia's most idyllic islands late Sunday night.At least 98 people, all Indonesian nationals, were killed when the 6.9 magnitude quake struck the popular tourist island of Lombok, Indonesian authorities said Monday. More than 200 were also injured.The majority of those killed in the quake were hit by falling debris from collapsing buildings, said Sutopo Purwo Nugroho, the head of Indonesia's disaster management department.In total, an estimated 20,000 people have been displaced by the massive earthquake, Nugroho said.Dramatic video tweeted by authorities showed hundreds of people, many believed to be foreign vacationers, crammed onto a beach on the island of Gili Trawangan as evacuation measures got underway.Emergency personnel were racing to evacuate thousands of tourists from the three small Gili Islands as night began to fall. The islands, famous for their white sandy beaches and clear waters, are located near the epicenter of the quake on Lombok.Earlier rescue efforts were hampered by shallow waters, but rising sea waters mean nine ships are now expected to dock on the islands.So far, up to 2,700 tourists have been moved from the Gili Islands, according to Nugroho. He added that Lombok's airport was now open around the clock and had significantly increased its flight schedule.The epicenter of the quake was in northern Lombok, a more residential, less developed part of the island. The majority of Lombok's tourist resorts are on the island's southern coast.British tourist Mike Bennett, stranded on the island of Gili Meno along with around 100 other people, told CNN he faced an anxious night ahead."It's getting dark now," he said. "There's no power, there's no water, we're going to hold out and just see what happens tomorrow."  1879

Apple iPhone fans love the edge-to-edge glass of the new X models. But some phone testers claim the new iPhone XS and larger XS Max are easier to break if they are dropped.  A new test from the electronics insurance company SquareTrade is raising questions about that glass and the durability of the new phones.In SquareTrade's drop from 6 feet, (which the insurance company claims simulate the height it would fall from if it slipped while you were talking) the XS screen shattered, resulting in loose and separated glass.A tumble test resulted in hairline cracks and scratches.SquareTrade calls the iPhone XS "high risk" for breakage, much higher than the older iPhone 7's and 8's, which did not have edge-to-edge glass.Others question SquareTrade resultsHowever, other reviewers say these tests may not be that realistic for most people.Apple says the new XS has "the most durable glass ever built into a smartphone."Other testers say unless you are in the NBA, most people don't drop their phones from a 6 foot height. They tend to drop them 3 feet, from pocket or purse level, such as when you are rummaging for keys. The tech review site CNET conducted its own tests, and says the phones sustained no damage from a 3-foot level onto a sidewalk.Panicking over this may be a case of "doesn't that stink."CNET says the new phones should be fine if they're inside a case and dropped from your pocket or tabletop. Bottom line: Buy a good case for any new phone, one that is rated for drop protection and is not just decorative.That way it stays safe and you don't waste your money._______________"Don't Waste Your Money" is a registered trademark of Scripps Media, Inc. ("Scripps")."Like" John Matarese on FacebookFollow John on Twitter (@JohnMatarese)For more consumer news and money saving advice, go to www.dontwasteyourmoney.com 1901

As colleges figure out how to structure classes this fall, many students are questioning whether to enroll at all. The idea of taking a gap year might sound enticing, but returning students should think twice.Many colleges have official gap year or deferred enrollment policies for incoming freshmen. But returning students who choose to take time off and re-enroll once the uncertainties of the COVID-19 pandemic have passed aren’t “gappers.” They’re “stopouts,” and they face risks that don’t come with a traditional gap year.The president and founder of The Institute of Student Loan Advisors, Betsy Mayotte, explains that colleges have individual leave of absence and withdrawal policies for students who want to take time off. Students who don’t follow those rules might end up with unexpected debt and be blocked from accessing their academic transcripts.“I see a lot of students that just stop going to school and don’t understand why they’re being charged,” says Mayotte.Taking a break from college this fall could derail your overall educational and financial goals. Here’s why you should stay enrolled.You might have to reapply to get back inUnless the college makes concessions, students without an approved leave of absence are at the mercy of the readmission policy to determine if they can return. Even with an approved leave of absence, you can miss only 180 days in a 12-month period, according to the Department of Education’s Code of Federal Regulations.Schools also don’t have to readmit students who take time off unofficially. For example, University of Arizona’s Graduate college usually requires a new application, application fee and a minimum 3.0 GPA on all previous coursework at the university before readmission.But University of Arizona Graduate College Dean, Andrew Carnie, says the college is making exceptions for students during the COVID-19 pandemic.“We are being very flexible with students who want to take off the fall,” says Carnie. “Students can take a leave of absence and we are approving leaves of absence retroactively. These are extraordinary circumstances.”Communicating with your college and knowing their COVID-19 plans and policies is key. “Students have to weigh their options and look at what’s going on with their university,” says Kenneth Stephens, director of the Department of Human Services for Florida’s Southeastern University. He notes that while his school has systems in place for students dealing with the COVID-19 crisis, others are still trying to figure it out.Some colleges allow students without a leave of absence to re-enroll after two years off with no hassle. But others, like the University of Miami or East Carolina University, require students to submit an application for readmission and pay a fee after missing only one semester of school.You might have to make student loan paymentsIf you have student loans, taking time off could trigger repayment to begin. Contact your student loan servicer or lender to find out their policy.All federal student loans are in an administrative forbearance through Sept. 30, due to a provision in the federal government’s coronavirus relief package. So until then, you don’t have to worry about your loans gaining interest or going into repayment.But if you plan on missing the school year, you will exhaust that window and payments will begin after your six-month grace period ends. While there is speculation that the forbearance could be extended, nothing has been announced.Federal student loans only get one grace period, so if you use it now you won’t have it available after you graduate, says Mayotte.The coronavirus relief package forbearance doesn’t apply to private student loans. If you decide to stopout due to COVID-19, your private loans might enter the grace period and then head into repayment. And not all private lenders allow academic deferments for students who return to school, so you could be on the hook for loan payments even when you return to full-time student status.You might not find stable workStudents planning to work full time must contend with the highest unemployment rate since the Great Depression. The coronavirus remains a threat, and a second wave could cause more shutdowns, which might make finding and keeping a job even harder.“I’ve had students who mentioned stopping-out, and I told them they should really think about that,” says Sharon Taylor, director of academic advising and professional enhancement at Virginia State University. “The first thing they say is they will work, and I ask them to look at how many people are out of work right now.”Taylor advises students to continue school if they can afford it and says, “It’s better to wait out the pandemic in school than out of school.”If you want to minimize coronavirus-related uncertainties with your school, there are options other than withdrawing completely.Take a half-time schedule: Students can take fewer classes and still maintain some of their financial aid benefits while making progress toward graduation. Not all students are comfortable with online learning. Taking fewer classes will give you more flexibility in case your school shuts down early to go online.Take online classes at a community college: If you need to complete general education requirements, you may be able to do them online at a local community college. That way you can save money on tuition, avoid the unknowns with in-person classes and complete graduation requirements. Before taking community college classes, check with your school to make sure the classes will transfer and that you are in compliance with your school’s dual enrollment policies.Take an official leave of absence: If you decide not to take classes this fall, work with your school to take an official leave of absence. Communicate with your college to let them know why you want to take time off and when you plan to return. Make sure you ask questions about financial aid implications and try to work out exceptions to get more favorable terms with your school and loan servicer. If you have private loans, contact your lender to discuss your leave of absence and ask questions about how it will affect your loan’s status.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletHow to Get Student Loan Relief During the Pandemic and BeyondStill Undecided About College This Fall? Know These Four OptionsWhat Is a Student Loan Grace Period?Cecilia Clark is a writer at NerdWallet. Email: cclark@nerdwallet.com. 6549

As many feel the trauma inflicted by headlines of racial injustice, COVID-19 continues to hit minorities disproportionally in America. "I think the voices of the young people are being heard and they're speaking out," said Lessie Williams, a community advocate in Portland, Oregon.Williams spent 20 years building up and believing in the young people she serves. Through her church's non-profit organization, Highland Haven, she wanted to bring wrap-around services to families most at risk, expanding mental health services and creating youth violence prevention programs."Building relationships with them, let them know you really care and be your authentic self because kids know," said Williams. For many of those years, she worked alongside Pastor W. G. Hardy, who passed away in 2018.They took part in a national program administered by the CDC aimed at reducing racial and ethnic health disparities."We felt like, focus on health and wellness and try to get rid of some of those disparities in our communities," said Williams.Rather than make the change inside one church, they created a network of churches and community organizations serving African Americans in Multnomah County. Williams worked through this network to increase access to health care, bringing preventive services such as blood pressure screenings to community churches, and increasing access to healthy foods."The biggest thing for me was health. I come from a family of diabetes, cancer, heart disease, and that's not talked about in our community. It's not talked about in our culture," said Teresa Johnson, co-chair for the Highland Haven Health and Wellness Team.They've reached thousands of people through this work, helping community members improve their physical health, manage their mental health, and cope with the traumas of racial injustice."We're going to Zoom and talk about the disparities that are going on in our community, how it is affecting our youth. We've got to wrap around our arms around the youth," explained Johnson. Williams' work earned her the CDC's first REACH Lark Award, an award celebrating those making tangible strides in achieving health equity."Inspirational, humbling, I was really surprised," said Williams. "She gave us the push we needed to get inspired and come up with these ideas and things to do to heighten awareness on health and wellness," said Barbara Perry, the Health and Wellness Coordinator at Life Change Church.While Williams is retiring, the firm foundation she's helped to build will continue on in the city."We always say it takes a village to raise a child," said Johnson. "Well, this village of churches decided we're going to tackle this for our community, and that was the greatest gift." 2737

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