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From pond to pin! Rahm skips to a hole-in-one on No. 16 at #themasters pic.twitter.com/JNNPWgW9OP— The Masters (@TheMasters) November 10, 2020 150

Hillary Clinton criticized President Donald Trump on Thursday for failing to implement Russian sanctions that Congress passed earlier this year, arguing at a Democratic women's event that the President is shirking America's responsibility.Clinton, in an on-camera conversation with California Sen. Dianne Feinstein, also faulted the Trump administration's policy on contraception, arguing that restricting women's rights to abortion and contraception is saying "women have no right to control their own reproductive capacity." 544

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

Gone are the days of waiting in the doctor's office to be treated. CVS is changing the healthcare game, and all you need is their app. It's called Telhealth and it's the latest way patients can be treated. Doctor's offices have been doing it for awhile, but now CVS's Minute Clinic is jumping on board. Whether you have insurance or not, you can use it.There are a few stipulations if you're planning to use the video visit. You can only be seeking treatment for a minor illness, injury or skin condition. Each phone call will cost you .To get started, users will need to download the CVS app and complete a health questionnaire. Users will then be matched with a healthcare provider in the patient's state. They will look over the questionnaire and the medical history provided. After that, the video chat begins.  Many say this method is a better option than self-diagnosing yourself on WebMD. However, it does beg the question: can you really be properly diagnosed over the phone?Kevin Flynn with Healthcare Advocates says Telehealth is helpful in many ways, but there are a few downsides, especially if you think you have the flu."There's also a danger with the flu, which is dehydration," says Flynn. "Can a doctor really properly diagnose the dehydration over tele-medicine?"Flynn says Telehealth is great for those over the age of 40, who know and understand their bodies. But he says it's not great for the younger population, who don't really know that much about their health.If you still like going into the doctors office to be treated, Flynn says, a little secret in the health world in that some doctors will take cash for an in-person consultation. And if you have insurance, make sure to check your plan doesn't already offer virtual chats before you go through CVS.   1880

Have you heard of the "Dirty Dozen" list? Every year, it lists the 12 fruits and veggies that have the most pesticides. Now, one group of researchers says the list may be scaring people unnecessarily.Laura Molina works to make sure her customers at her community market, Growhaus, pick the best fruits and veggies.“We try to bring everything organic and local,” Molina said.It ends up being a mix. So, when customers ask her how to pick between organic and conventional, she often gives them advice she takes herself.“Everything that I can peel, I can buy, like, not organic,” Molina explains. “But like lettuce, mushrooms, apples, I try to buy them organic.”But is there a set rule for choosing? Every year, a nonprofit called the Environmental Working Group puts out the "Dirty Dozen," a list of the 12 fruits and veggies most contaminated by pesticide residue.This year, apples, celery and tomatoes made the list.However, a group of scientists say these foods may not be as dirty as some once thought, and the way the EWG analyzed the data is flawed.“The benefit of fruits and vegetables far outweighs the potential concern of this pesticide residue,” registered dietitian Jessica Crandall said.Crandall says consumers would have to eat a lot of a certain fruit or vegetable to be affected by any pesticides.“You would have to be eating so many cups,” Crandall said. “Like 400-plus cups of strawberries per day in order for that residue to be a potential concern if you're an adult. And if your kid, needs to be around 200 cups per day of strawberries.”Those concerned about pesticides in produce can visit safefruitsandveggies.com to check pesticide levels in any produce item.Ultimately, the decision shouldn't be based on a list.“I believe it is a personal choice,” Crandall said. “And so if you like the way that it tastes, better then to go ahead and consume. But if you're worried about the safety of it I don't think that's a concern you need to be aware of.”Crandall and Molina both agree — no matter what you decide next time you check out, a good fruit or veggie is always a healthy choice.  2162