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As millions of Americans avoid routine doctor’s appointments right now for fear of catching COVID-19, a decades-old practice is suddenly gaining new attention: the house call.“The notion of a house call means the care provider can get a more comprehensive view of you as a person,” explained Stacey Chang, who serves as the executive director for the Design Institute for Health.Chang says a reinvention of the house call could be a viable solution to America’s evolving post-coronavirus healthcare system. New portable technology means doctors can do more than just check your temperature.Health officials across the country are also worried that Americans in isolation are avoiding routine check-ups, which could lead to more long-term issues once the pandemic ends.“The care that didn’t happen, the routine care for managing chronic diseases, we may end up having greater mortality from those missed interventions than what COVID itself caused,” Chang added.Aside from keeping people away from hospitals where COVID-19 might be lurking, the house call gives physicians a chance to get to know their patients. Spending more than 10 minutes with someone in an office would give doctors a better chance to treat chronic diseases.“It’s really a relationship between the person that’s caring for you and the person you’re caring for,” Chang said. 1352

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 the pandemic has left millions unemployed or with reduced incomes, the demand at food pantries has soared in 2020.While there is relief coming for millions of Americans, Feeding America, a consortium of 200 food banks and 60,000 pantries nationwide, say that the stimulus signed by President Donald Trump last night was merely a “down payment.”Pantries across the US saw a 60% rise in demand in 2020, according to Feeding America.“As our country continues to weather a once-in-a-generation public health and economic emergency, the bipartisan agreement is an important down payment to help provide the food assistance our neighbors need, but further action will also be necessary in the coming months,” said Kate Leone, chief government relations officer for Feeding America.The legislation includes 0 million for the Emergency Food Assistance Program, but Leone cautions that more could be needed in the future.“The bipartisan legislation will provide much-needed short-term relief,” Leone said. “As 2020 ends, we know the need for food assistance will continue. While this legislation is a welcome step forward, the government will need to take further action to ensure that our neighbors do not slip further into crisis in the coming months. We strongly support the nutrition provisions in this bill and believe they are a critical step toward ensuring people have the food they need to learn, succeed, and thrive.”Before the pandemic began, 1 in 9 Americans were considered “food insecure,” which means those families were at risk at going hungry. That number has since increased to 1 in 6. 1608

Authorities in New York have closed a preschool in Harlem after a 3-year-old boy died from what family members say was an allergic reaction.According to a verified GoFundMe page set up by a family friend, Elijah Silvera went into anaphylactic shock on Friday, November 3rd after he was given a grilled cheese sandwich by an adult at the school, "despite them knowing and having documented that he has a severe allergy to dairy." The toddler was taken to Harlem Hospital where he died, the website said.The New York City Health Department said in a statement that it had temporarily closed the school, the Center for Family Services, which is a part of the city's universal pre-K program. The department is "continuing to aggressively investigate what happened and whether the facility could have done something differently to prevent this tragedy," the statement said."There is nothing more important than the safety of our children and we are deeply saddened by this tragedy. We will get to the bottom of what happened here," the department said.The Center for Family Services did not respond to multiple CNN calls for comment."The safety and well-being of children in our EarlyLearn centers is critically important," NYC Adminstration for Children's Services tweeted Thursday. "Following a critical incident at any of our EarlyLearn centers, we place the provider on heightened monitoring or a corrective action status."A health official, who asked not to be named, told CNN the Center for Family Services has been closed for "failing to follow its written safety plan and failing to adequately supervise a child, in violation of the Health Code."Officials say the most recent inspection of the school occurred on September 21, 2017. No violations were cited."The tragic loss of Elijah Silvera did not have to happen," the child's family said in a statement through their attorney, Nicole Weiser. "The failure to follow long established protocols by both the pre-school and by Harlem Hospital resulted in this monumental loss for the Silvera family."According to the GoFund Me page, a portion of the funds raised will be donated to "FARE" Food Allergy Research & Education, "the largest nonprofit working on behalf of the food allergy community. "As of Thursday evening, the page has received ,510 of its k goal. 2332

ATLANTA — President-elect Joe Biden is thanking Georgia voters for delivering him the state in last month’s election and asking them to follow up by electing Democratic Senate candidates Jon Ossoff and Raphael Warnock.Biden traveled to Atlanta for a post-election rally Tuesday to help the Democrats looking to knock off incumbent Republican Sens. Kelly Loeffler and David Perdue in Jan. 5 runoffs. It's the president-elect’s second foray outside the Wilmington, Delaware, area since last month’s election.Biden is the first Democratic presidential candidate to win Georgia since 1992. He'll return to the state Tuesday to campaign alongside Jon Ossoff and Raphael Warnock ahead of the Jan. 5 runoff elections that will determine Senate control.As it stands, the Republicans hold a 50-48 majority in the upper chamber. But if both Ossoff and Warnock win their January runoff elections, Democrats would take control of the Senate by virtue of vice president-elect Kamala Harris' tiebreak vote.WATCH RECAP:A day after the Electoral College affirmed his victory, Biden used his remarks to call for unity. But he also made the case that he badly needed “doers and not roadblocks" once he takes office next month.“We can get so much done, so much that can make the lives of the people of Georgia and the whole country so much better,” Biden said. “And we need senators who are willing to do it, for God’s sake.”If the Democrats win both Georgia runoffs, Biden would enter office with Democratic control of both chambers of Congress, giving him far more leverage to push his agenda.“Are you ready to vote for two United States senators who know how to say the word ‘yes’ and not just ‘no’?” Biden said at the drive-in rally.According to the Associated Press, Warnock and Ossoff could benefit from riding Biden's coattails. Biden finished with more votes than any candidate during the 2020 election — but Ossoff ran about 88,000 votes behind President Donald Trump and about 100,000 votes behind Biden.Trump campaigned for Republican candidates, Sen. Kelly Loeffler and Sen. David Perdue, earlier this month. 2109

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