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Ann and I extend our congratulations to President-elect Joe Biden and Vice President-elect Kamala Harris. We know both of them as people of good will and admirable character. We pray that God may bless them in the days and years ahead.— Mitt Romney (@MittRomney) November 7, 2020 287

An Ohio state Senator used the term "colored people" and asked if the coronavirus pandemic is disproportionately affecting black people because they "do not wash their hands as well as other groups" during a public hearing earlier this week.State Sen. Steve Huffman, R-Tipp City, who represents portions of Dayton, made the comments on Tuesday during a hearing about declaring racism as a "public health crisis.""My point is I understand African Americans have a higher incidence of chronic conditions, and it makes them more susceptible to death from COVID," Huffman said, according to The Dayton Daily News. "But why it doesn't make them more susceptible to just get COVID? Could it just be that African Americans or the colored population do not wash their hands as well as other groups or wear a mask or do not socially distance themselves? That could be the explanation of the higher incidence?"Huffman later issued a statement about his comments, calling them regrettable."Regrettably, I asked a question in an unintentionally awkward way that was perceived as hurtful and was exactly the opposite of what I meant," Huffman said. "I was trying to focus on why COVID-19 affects people of color at a higher rate since we really do not know all the reasons."In response to Huffman's comments, the Ohio Legislative Black Caucus issued a statement calling on all 132 members of the Ohio General Assembly and their staffs to take racial equity and implicit bias training."It is just unbelievable he would ask that kind of question or use that kind of terminology," said Ohio NAACP President Tom Roberts, who used to represent Huffman's district.According to the bio on his state senator page, Huffman has a medical degree and is a practicing physician.The CDC says there are several reasons why African Americans are disproportionately contracting the virus. Black people are more likely to live in cities and multi-generational households, which increases the risk of spread. Black people are also more likely to be employed as essential workers and less likely to be offered paid sick leave. The term "colored" is widely known to be an outdated term for black people in 2020 and is often associated with Jim Crow laws of the early 20th century. 2254

Apple One is now available, including a free trial and pricing information. So, what is it?It’s not a streaming service, it’s a “bundle” of Apple products.Apple One is a subscription plan from Apple that brings together up to six of their services, across all devices, for one price. Depending on the plan, the products could be shared with up to five people.The opportunity to bundle products was announced at an Apple event earlier this year, without a launch date. It is now available in the app store and their website.The three tiers were announced this week. The cheapest level is .95 a month, and includes Apple Music, Apple TV+, Apple Arcade, and 50GB on iCloud for one person.The family plan includes those four products, for up to five people, at .95 a month.The top tier premier plan is .95 a month, and includes the same four products, plus AppleNews+ and AppleFitness+ (which has not launched yet).Compared to purchasing the individual products, if a person wanted to purchase all of them, the individual plan will save a person a month, the family plan saves a month, and the premier plan saves a month.Subscriptions work across Apple devices, including iPhones, iPads, Apple TV’s, and Mac computers.Apple is offering a free month-long trial. 1283

An influx of college financial aid applications this year means that money could run out for students who don’t file early.Due to financial strain caused by COVID-19, nearly 40% of families that didn’t previously plan to apply for federal financial aid now expect to do so, according to a recently released survey from Discover Student Loans.The federal government, states, colleges and other organizations use the Free Application for Federal Student Aid, or FAFSA, to award financial aid. You must complete the FAFSA to be considered for financial aid.You have 21 months to submit the FAFSA for any given academic year. For the 2021-22 school year, the FAFSA opens Oct. 1, 2020, and closes June 30, 2022. But that doesn’t mean you should wait.“There is no downside to applying early, but a lot of risk in applying late,” says Manny Chagas, vice president and head of marketing and product at Discover Student Loans.Here’s why you should file the FAFSA now.Better shot at more free moneyThe sooner you submit the FAFSA, the greater your chances are of getting free aid you don’t have to repay, such as grants or scholarships.Federal Pell Grant money likely won’t run out, but other need-based aid, including that awarded through your school and state, is limited and awarded on a first-come, first-served basis. Jack Murphy, financial aid counselor at the University of Northern Iowa, named the Federal Supplemental Educational Opportunity Grant and his school’s tuition assistance grant as examples.The Federal Work-Study Program also has limited funds, so you’ll want to file the FAFSA early to take advantage of it.More time to appeal a financial aid decisionStudents and parents who are dissatisfied with their aid amounts or have a change in economic circumstances can appeal the financial aid award from their school. To do this, you need to petition your school with a financial aid appeal letter and provide evidence to support your need for more aid. If you wait too long, the aid money could run out.Those who file the FAFSA early are more likely to receive their school-based financial aid awards with their college acceptance letters. While your federal aid will be the same no matter where you attend college, you can send your FAFSA information to several schools to see which will give you the best school-based aid package. Doing so early will allow you to compare offers and appeal if necessary.If you apply for the FAFSA late, you not only risk a smaller award to begin with, but you also have less opportunity to “shop around” and submit a successful appeal letter.A quarter of parents surveyed by Discover Student Loans say they’ll appeal their financial aid decision because of previous award amounts and pandemic-induced changes in family finances. In speaking about the survey, Chagas emphasizes that there tends to be more money available early in the process, so students should make the FAFSA a priority.Murphy agrees. “Filing early makes sure you’re in the running to receive as many awards as possible,” he says. “We see students that get [aid] one year, but not the next.”They don’t lose out on aid because they no longer qualify, Murphy explains. They just waited too long.More From NerdWalletNerdWallet’s FAFSA GuideYour FAFSA Questions AnsweredWhat Are the FAFSA Requirements?Cecilia Clark is a writer at NerdWallet. Email: cclark@nerdwallet.com. 3387

Another reason to wash those hands, Thursday is Global Handwashing Day.October 15 has been designated as a day to remember that “soap and water is one of the best steps we can take to avoid getting sick and spreading germs to others,” according to the Centers for Disease Control and Prevention.Global Handwashing Day was established in 2008 by the Global Handwashing Partnership, an international organization dedicated to awareness about the health and economic benefits of handwashing hygiene and making clean water and soap available to all.This year’s Global Handwashing Day is also a reminder that proper handwashing with soap is a recognized way to stop the spread of the coronavirus.This year’s theme is “hand hygiene for all” and “calls for institutions and individuals to improve hand hygiene efforts in the COVID-19 response that can outlast the pandemic and ensure continued access to clean water and soap,” the CDC says.The CDC estimates that the number of colds and respiratory illnesses in a community could be reduced between 16-21 percent with handwashing education.The CDC has some recommendations for proper handwashing:There are 5 easy steps to washing hands: wet, lather, scrub, rinse and dry.Wash for 20 seconds with soap and water.Make it part of the routine:Before you eatAfter using the restroomComing inside from spending time outside or in publicAdults can be a good role model and wash hands often.With younger children, make it a family activity and wash hands together.Choose a song or music verse to sing while washing. Need ideas? Try this, this or this (including hits from Prince, Lizzo, Toto and Beyonce). Yes, even older kids can sing while washing their hands. 1705

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