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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

Health officials in Santa Clara County, California, say that they have traced 94 cases of COVID-19 to a youth basketball tournament that took place illegally at a nearby indoor sports complex last month.According to CNN, Courtside Basketball Center in Rocklin, California — located northwest of Sacramento — hosted a "Fall Fest" tournament on Nov. 7 and 8 that featured several teams and dozens of players and coaches.On Friday, The Mercury News reported that a total of 94 cases of COVID-19 — including 77 in Santa Clara County alone — could be traced back to the tournament.The Mercury News says the outbreak includes 39 "middle- and high school players," three coaches and 35 additional contacts."This outbreak is a troubling reminder that the widespread prevalence of COVID-19 in our community threatens all of us, and does not limit itself to geographic boundaries," Santa Clara County's assistant public health officer, Dr. Monika Roy, said in a statement.The California Department of Public Health said in a release that is has opened an "enforcement investigation" into the tournament's operator.CNN reported last month that the Courtside Basketball Center's website included a note that urged anyone who was in attendance for the tournament to get tested for the virus, "regardless of whether they have symptoms."As of last month, CNN reports that the complex had hoped to host four more basketball tournaments by the end of the year. The center's website now says it is "closed until further notice."Santa Clara County — which is located south of San Francisco and is home to the city of San Jose — has among the strictest COVID-19 restrictions in the country. The county has banned most contact sports at all levels — youth, college and professional — and the restrictions have forced the San Francisco 49ers to move two home games to Arizona."Public Health orders, directives, and guidance around contact sports and sporting events are in place for a reason. The risk of transmission in these settings can easily result in community spread that threatens the most vulnerable among us," Roy said. 2115

From 2000 through 2018, 459 children have died from accidental furniture tip overs, which are preventable fatalities that can be stopped by anchoring furniture to a wall.In response, the US Consumer Product Safety Commission is launching a public service announcement campaign called "Even When You're Watching.” The campaign will show the dangers of leaving furniture unanchored. The campaign includes “terrifying” footage of tip overs caught on video.In addition to the number of fatalities, the CPSC estimates that every 43 minutes, a child is injured by furniture tipping over."Even when adults are in the same room with children, dangerous tip-overs can occur," said CPSC acting chairman Robert Adler. "Many parents and caregivers do not know about this hidden hazard, or believe that they can prevent a tip-over by watching their children, but these incidents still happen. We urge adults to Anchor It! and to tell their friends and family to do so, too, because these tragic tip-overs can happen in the blink of an eye."According to a CPSC survey, 80 percent are aware that furniture can tip over, but just 47 percent say they have their TV anchors, and 55 percent say they have anchored furniture in their home.The CSPC offers parents the following tips:To protect children from a tip-over incident, follow these safety tips in any home where children live or visit:Anchor TVs and furniture, such as bookcases and dressers, securely to the wall.Always place TVs on a sturdy, low base, and push the TV back as far as possible, particularly if anchoring is not possible.Avoid displaying or storing items, such as toys and remotes, in places where kids might be tempted to climb up to reach for them.Store heavier items on lower shelves, or in lower drawers.If purchasing a new TV, consider recycling older ones not currently in use. If moving the older TV to another room, be sure it is anchored to the wall properly.Keep TV and/or cable cords out of reach of children.Supervise children in rooms where these safety tips have not been undertaken.To view the public service announcement, click here. 2112

HELENA, Mont. – Republican Steve Daines of Montana won a second Senate term on Tuesday, dealing a blow to Democrats' hopes of gaining a majority in the chamber.The former business executive and Donald Trump loyalist defeated Gov. Steve Bullock.Daines’ first election in 2014 broke a Democratic lock on the Senate seat that had lasted more than 100 years. After Trump carried Montana by more than 20 percentage points in 2016, Daines emerged as one of the president’s ardent defenders.Bullock is a two-term Montana governor who entered the race in March after dropping a presidential bid that attracted little support.Political groups and the campaigns poured more than 0 million into the contest, a record-shattering figure for the sparsely populated state. 768

GRANDBY, Colo. — Imagine trying to outrun an inferno and three trees fall on the only road out. That's what Mike Darrah had to contend with Wednesday.The Trail Creek Estates homeowner said he received a pre-evacuation order Thursday, Oct. 15, so he and his wife drove up from Boulder County to pack a few things and put them in storage.He said he went back up Saturday to help neighbors with their horses and other belongings and stayed through Wednesday when it "started getting smoky."Soon, he could see flames moving through the entire valley. He will likely never forget the sound."It was like a freight train," he said, "the proverbial freight train, with the wind blowing."Darrah said he saw "swirling sparks" across the street, the entire area on fire."When I say on fire, it was from the ground all the way up to 90-foot pine trees. It was that fast," he said.Darrah told Denver7 he grabbed a few items from his house and started to drive out, only to be stopped by three Aspen trees which had blown over, blocking his way out.He got out the chain saw he said he keeps for such an occasion."I'm pulling and pulling trying to prime it. It would just sputter but it wouldn't get going," he said.Just as he was about the leave his truck and trailer behind and hoof it out of the neighborhood, a forest service employee drove up from the other side."He hopped out, and between the two of us, we were able to muscle those aspens, not off the road, but just enough to the side that I could get around them."Darrah said he doesn't know whether his house survived."We think we've lost it," he said.He told KMGH he has seen pictures of his neighbor's homes, several of which have burned to the ground, but he hasn't seen a photo of his house. He said the pictures were from a friend of a friend who knew a firefighter.He said it's stressful not knowing whether the house is still there, but he feels fortunate that he received advance notice of the fire."We got our family heirlooms and photos," he said.He said he's anxious to get back in to see his neighborhood for himself but understands the priority right now is fighting the fire and making sure everything is safe.He said he's also looking forward to the snow."It may put out some fire, but not enough to let people in," he said.This story was first reported by Lance Hernandez at KMGH in Denver, Colorado. 2371

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