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HEY TIM HEY @realDonaldTrump SO HAPPY IM GLAD TO BE LIVING RENT FREE in your HEAD. #BidenHarris https://t.co/k2ODfQNkF3 pic.twitter.com/Iy3Nj8aYMR— Lady Gaga (@ladygaga) November 1, 2020 194

Have you ever poured yourself a drink and browsed online, only to find a package at your door days later? Well, you’re not alone, according to a new survey.According to the personal finance website Finder.com, nearly half of Americans surveyed earlier this year said they’d made a purchase while under the influence.The survey found the average American spent 7.57 while drunk shopping. That total is up from the 2017 average, which was about half of that amount.So, what are drunk shoppers buying? Besides food, the top items are shoes and clothes.The survey found a quarter of people also like to gamble while drunk.The good news—there are apps that can stop you from drunk shopping. Crome browser extensions like Focus Me and Freedom allow users to block certain websites for a certain amount of time. The apps also allow you to set a spending limit, so you don’t wake up with a financial hangover.   919

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

Halle Berry is walking away from a role as a transgender person, saying she wants to use her “voice to promote better representation on-screen.” Earlier this year, Berry was cast as a transgender man in an upcoming film.Berry faced criticism for taking the role, and for comments she made during an Instagram Live interview while talking about studying for the role, in which she mis-identified the gender of the character, repeatedly calling the character “she”.This week the actor apologized for her remarks and said she is stepping away from the role. 562

GRAND RAPIDS, Mich. - A young woman finally has her class ring back nearly 20 years after losing it. It was found in West Michigan, but she's not even from Michigan."I've been doing this for 10 years, and in those 10 years I found over 115 rings," said Gregg Larabel, who found the ring.You could say Larabel always had a knack for finding things."My dad got us started in 1972 with a little bounty hunter, and I've been metal detecting ever since," Larabel explained. "Then, I come across this Ring Finders site and joined it, and here I am."The Ring Finders is an international organization that prides itself on recovering millions of dollars in lost jewelry. But most importantly, they make sure these priceless items get back to their owners."I've had a couple of ,000 rings. We're still looking for a ,000 ring in Bloomfield Hills in a duck pond," he said.It doesn't matter where or how long ago it was lost, you give the Ring Finders an idea of where your jewelry might be and they'll get to work.That brings us to his latest find on the shores of Beechpoint Christian Camp in Allegan county. While searching for one ring, Larabel and diver Aaron Westrick of Superior Dive Service came across another ring."I found a class ring from 2001. I looked at the inscription on it. It was DeVonia Foster and from Lourdes Lyons High School," Larabel explained.That's Lourdes Lyons High School in Chicago. So, how did the ring end up in West Michigan 20 years later? We caught up with DeVonia Foster."It's funny because I'm a part of the scholarship program at my old Catholic school, and we used to do these camps every year," Foster explained. "We went off to Michigan and Wisconsin and things like that. So, I believe just out there on a camping experience, I lost it."Foster was a former multi-sport athlete who graduated in 2001. "I have the basketball on one side [of the ring], and then I have two track wings on the other," she said. "It was a treat. I'm from a single-parent home, so it was a sacrifice to even get a ring that expensive."Regarding losing the ring, Foster laughed, remembering "it was kind of a bummer, because it's like, 'Oh, I see why [ my mom] didn't buy me nothing expensive.'"Larabel contacted Foster through Facebook and drove three hours to Chicago to personally drop it off."It's funny that Gregg just reached out, and he just lost his wife," Foster mused. "So it just makes me feel like he's a great person to even care about other people when he's going through such a traumatic loss his own self."This story was first reported by Nicole DiDonato at WXMI in Grand Rapids, Michigan. 2627

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