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ents in the Health Officer Order and are the tools we have to protect each other, our families and those most vulnerable in our communities.”L.A. Mayor Eric Garcetti said Monday that gatherings with people other than those you live with remain prohibited in the city.“Getting together with family, friends, coworkers, is how the virus spreads,” said Garcetti. “When we get exhausted, it gets strong. When we get lazy, it thrives. It only takes one infected person to spread COVID-19 through your network.”The mayor also said that his office has enacted a “hard pause” in the reopening of more businesses in the city, including theaters, bowling alleys, and amusement parks. 2406

Many colleges are welcoming students back for in-person learning and dormitory living this fall semester. Looming over everything: Campuses could shut back down at any time.With COVID-19 cases still high, many colleges are developing shutdown contingency plans alongside their reopening arrangements.At the same time, the pandemic is fueling new debate about whether colleges should charge the same tuition for online and in-person classes. Tuition typically covers the cost of instruction — salaries, software, labs and such — and that cost at many schools may have increased.The University of North Carolina Wilmington, as an exception, has a different cost structure for online, hybrid and in-person classes. Still, it announced that students won’t receive a tuition refund if in-person classes move online this fall. And, after the pivot from its sister school at Chapel Hill, it told students to prepare for a similar transition if cases rise.That leaves freshman Owen Palmer weighing the possibility that the education he is paying for may not be the one he gets. “I’m taking a risk because (the university) mentioned they can’t do refunds,” says Palmer. For him, the risk is worth it, but he does wonder what he’ll do if the campus has to close.Here’s what he and other students can expect as the fall shapes up.Don’t expect a break on tuitionSome schools have cut tuition. Hampton University is offering students a 15% discount, bringing undergraduate tuition to ,519. Other schools are offering additional scholarships and grants.But tuition decreases and additional aid aren’t the norm.“If I had to make bets, I would say a lot of colleges will be (freezing tuition) until they get a better sense of the economy,” says Arun Ponnusamy, chief academic officer at the college admissions and application counseling company Collegewise. “But there will be other colleges that say, ‘We need money to run this school.’”That may be happening already. George Mason University in Virginia approved a tuition increase of 0. The University of Michigan approved a 1.9% tuition increase. Both schools are planning a mix of online and in-person instruction.Meals and housing refunds likelyMany colleges aren’t publicizing their shutdown contingency plans — or how refunds will work. But students can look to how their school handled refunds in the spring to gauge how fall might play out.Florida Agricultural and Mechanical University gave refunds for on-campus housing and meal plans, says William Hudson Jr., the school’s vice president for student affairs. If the campus has to shut down this fall, Hudson says the refund structure “would probably be the same.”Other colleges also offered direct refunds for students. For example, Temple University automatically deposited partial refunds for room and board in students’ bank accounts. The University of North Carolina Wilmington gave prorated refunds for room and board.But some colleges opted for account credit instead.The University of Arkansas refunded about 20% of room and board costs to student accounts. They haven’t announced an official plan in case of a fall shutdown, but staff members expect it’ll be the same.The University of Alabama offered a prorated refund for room and board, and parking. Students could take a cash refund immediately or apply that amount and an extra 10% as an account credit for the fall.How can you prepare?If you’re planning to return to campus housing, contact your school and ask about its shutdown contingency plans. You’ll want to know what factors would cause it to shut down again. This could be a campus COVID-19 outbreak of a certain size, an increase in local cases or other factors.You can’t stop a campus shutdown, but if you know the metrics your school is looking at, you can anticipate it and react more confidently.Make backup plans for housing if your campus closes. Determine if you’ll go home, stay with a friend, get your own apartment or something else. Communicate your intentions with those you plan to stay with or scope out affordable apartments in advance. That way, if the campus shuts down suddenly, you know exactly where you’ll go.Ask your college about emergency funds and grants if a campus closure will cause you financial hardship. Many colleges have funds available for students.Plan how you’d use a refund. If your school offers a direct refund, consider whether you’ll need that money for living expenses. If you don’t need the money for living expenses, send the refund back to your student loan servicer. Doing so will keep your overall loan balance down and save you money in the long run.More From NerdWalletPrivate Student Loan Relief for Borrowers in the Coronavirus CrisisCollege During COVID-19: Your Aid Questions AnsweredStudent Loan Borrowers: Don’t Wait on Congress for More ReliefCecilia Clark is a writer at NerdWallet. Email: cclark@nerdwallet.com. 4902

McDonald's hopes new breakfast items will draw more customers to the golden arches.The company announced Tuesday that it would expand its breakfast menu. The new items, along with local deals and low prices, should help "win back customers at breakfast," said CFO Kevin Ozan during a call with analysts.With the new items, McDonald's is aiming to reverse a troubling trend: American customers are eating elsewhere.Sales in the United States grew by 2.4% in the third quarter, but that was mostly because people spent more. The number of American customers declined.Over the past couple of years, McDonald's (MCD) has tried a number of different strategies to boost its US business. It put self-order kiosks in restaurants. It added new menu items. And McDonald's added delivery.That helped boost sales among existing customers. But those initiatives, part of a massive effort to modernize its US restaurants, haven't helped McDonald's hold on to existing customers or bring in new ones.The company believes a revamped breakfast menu could help."It's very competitive out there at breakfast," said CEO Stephen Easterbrook. "We're still losing a little share ... it continues to be a battleground," he said. "We want to do better at breakfast."McDonald's didn't offer details on what the new items will be.In recent years, Taco Bell has found success with its breakfast offerings. The chain started serving breakfast in 2014 and now sells items like the naked egg taco, which has a fried egg for a shell. Dunkin' (DNKN), which offers a two-sandwich deal for breakfast, has also done well in the morning.Competitors have upped their game and McDonald's may have "lost a little bit of ground" on breakfast over the past few years, said Morningstar analyst R.J. Hottovy.McDonald's has already made some changes that may entice new US customers. It added coffee and  breakfast sandwiches at some locations. Easterbrook said it's too soon to tell whether those efforts are paying off.Hottovy thinks that McDonald's has a good shot at turning around its fortune."With a little bit of focus," he said, McDonald's "can get right back in.""They've gotten better about product innovation," Hottovy added. Customers responded enthusiastically to McDonald's new buttermilk crispy chicken tenders. That could bode well for the company's new breakfast item.Although McDonald's is struggling to win over customers for breakfast, it has used its popular breakfast items to drive growth in the past. Sales surged after McDonald's launched its all-day breakfast menu in 2015. 2628

Meghan Markle's father, Thomas Markle, told American publication TMZ on Monday that he will not attend his daughter's wedding to Prince Harry.According to the TMZ report, Markle decided not to walk his daughter down the aisle on Saturday, after it was revealed he worked with a picture agency to stage some pictures of him preparing himself for the wedding.Thomas Markle said he now thought the pictures were "stupid and hammy," according to the TMZ report. He said he made the decision to skip the wedding so he wouldn't embarrass the royal family or his daughter. 573

Millions of older Americans are growing old all alone. As Baby Boomers age, and start losing loved ones, loneliness can take its toll.The issue is becoming such a concern some national organizations are stepping in.“This was the one thing I said when I retire, I want to do Meals on Wheels,” says volunteer Donna Reuss.Reuss has been volunteering for the organization Meals on Wheels for six years. She not only brings seniors a free meal, but she’s often the only person they really interact with for weeks at a time.“One of the things that really surprised me when I first started this was how many seniors live alone,” Reuss says.Loneliness can have a big impact on their health. Research shows that lacking social connections can be as harmful to someone’s health as smoking 15 cigarettes a day.“It's a much bigger problem I think than people realize,” says Mary Lee Anderson, with Senior Services of Alexandria.Anderson’s nonprofit organization helps deliver food for Meals on Wheels. She’s helping with a new pilot project that lets volunteers delivering meals use a cell phone app to report any changes in behavior or concerns they notice while visiting with a senior.“It lets our volunteers, if they notice a problem, report it right on their phone,” she explains. “That information is sent back to us at the office and we can then contact the individual who is responsible, a family member or their city social worker if they don't have a close family member.”The pilot program is currently being tested in 10 cities across the country, and it’s expected to expand to another 50 cities early next year. 1619