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At least 105 people are dead after an earthquake rocked the Indonesian island of Lombok over the weekend, state media reported Tuesday.Another 236 people have been injured in the quake, according to the government's disaster management spokesman Sutopo Purwo Nugroho, who told the Antara News Agency that the casualty numbers could rise as the search continued for survivors.More than 20,000 people have been displaced since the 6.9-magnitude quake struck Lombok, a popular tourist destination, on Sunday night.The epicenter of the earthquake was in northern Lombok, a more residential and less developed part of the island. Most of the tourist resorts are located on the southern side of the island.Most of those killed were struck by falling debris from collapsed buildings, according to Nugroho. Among the many buildings destroyed on Lombok were two homes which housed around 80 underprivileged children. 915

As our country works to rebound, we're helping you manage the pressure as the pandemic is shifting caregiving responsibilities.More millennials are taking on this responsibility now. They're becoming a greater percentage of what's known as the "sandwich generation." Those are people who are caring for both their own kids and their aging parents.New numbers from insurance company New York Life show a third of millennials are doing this now.“We're not replacing the typical 49-year-old woman who's the family caregiver. She's still doing it, but the need is so great that more and more young people are called into the role as well and that's going to continue well after the COVID pandemic,” said John Schall, CEO of the Caregiver Action Network.Nearly half of the so-called "sandwich generation" expect to be a caregiver in some capacity for six or more years.The added financial strain is one concern. Schall says out of pocket expenses can be about a thousand dollars a month.More than half of these caregivers say they're spending more than usual per month to care for others as a result of the pandemic. That means they're contributing less to their savings and their retirement.There's also the concern about the mental toll.“With millennial generation caregivers, you may not be thinking about depression, you know, at that age, but the fact is the sheer stress of the role of being a family caregiver increases that risk of depression twice as often,” said Schall.If you are feeling overwhelmed, the caregiver help desk from the Caregiver Action Network can be one place to turn. You can call them free of charge at 855-227-3640. 1648

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

BALTIMORE - Food safety experts are warning parents to be mindful when packing perishables like sandwiches and yogurts in your child's lunch.Tanya Brown with the United States Department of Agriculture (USDA) said you're looking at a two-hour window before those brown bag lunches become breeding grounds for bacteria.“You should not put perishable items like bologna sandwiches, turkey sandwiches, cheese or yogurt in a brown paper bag and send a child to school with it,” Brown said.Foods can hit the "danger zone," or temperatures between 40-140 degrees Fahrenheit, when it’s left out of refrigeration over two hours. After four hours, the food item should be tossed.“You want to make sure you put them in an insulated lunch bag with at least two cold sources and those two cold sources could be a frozen water bottle or frozen juice packs or gel packs in there. So, you want to put those perishable items in there and make sure the child does not open the bag and keep opening and closing the bag before lunchtime,” said Brown.If you're sending them with something hot, use a thermos, and warm it up first.“The best way to prepare it is to pour boiling hot water into the thermos first, then discard the hot water and then put the hot soup or stew in there. Make sure it's at 165 degrees Fahrenheit,” Brown said.However, the leading cause of sickness is poor hand washing. Brown said this is an easy problem to solve:“Oftentimes, children don't get an opportunity to wash their hands before they go to lunch and just to trigger their memory put a moist toilette in there or some hand sanitizer to remind them before they start to eat their lunch,” she said.Click here for more information on the danger zone and safe handling of food. 1751

ATLANTA, Ga. (AP) — U.S. Attorney General Bill Barr says the federal government is awarding more than 0 million in grants to target human trafficking.The money will go to task forces combatting human trafficking, to victim services and victim housing.Barr made the announcement Monday in Atlanta with presidential adviser Ivanka Trump, Georgia Gov. Brian Kemp and athlete Tim Tebow, whose foundation is focused on combating human trafficking.Tebow was among those who spoke at the event, saying that we have to live with a sense of urgency to be able to rescue as many lives as possible.“It’s a calling because we believe it’s the greatest form of evil in the world today, because there are 40 million people around the world that need us,” said Tebow during the event. “They need us to say, no longer is it about the credit, it’s about the mission.”Tebow also posted about attending the event on his social media.Please join us in prayer as we continue our work to #EndHumanTrafficking pic.twitter.com/oyxilf0Uq3— Tim Tebow (@TimTebow) September 21, 2020 President Donald Trump’s administration in August awarded million in Justice Department grants to organizations that provide safe housing for victims of human trafficking.The announcement came after Barr, Trump and the Kemps toured the Georgia Center for Child Advocacy southwest of downtown Atlanta. 1371