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TVs. Dishwashers. Printers.Get ready: These are just some of the products that could get more expensive if the United States moves forward with proposed tariffs on billion worth of Chinese products, and companies decide to pass the cost of the new taxes on to customers.On Tuesday, the Trump administration identified about 1,300 exports from China that could be targeted in the wake of a months-long investigation into intellectual property theft. The lengthy list includes a wide range of items, from airplane parts to syringes.The 25% tariff, which would be applied to all products, won't go into effect immediately. And the list isn't final. There's still time for businesses to lobby the government to remove certain items, and additional products can still be tacked on.But the current list would almost certainly lead to higher price tags on consumer electronics and various home appliances — including flat-screen TVs and home dishwashers."There's potential this a major hit to the pocketbooks of Americans, based on what we're seeing right now," said Jack Cutts, senior director of business research at the Consumer Technology Association.The USTR is also weighing tariffs on a number of key components in electronic devices, such as LED lights, copper wire, and capacitors and resistors. It's possible that companies will ask consumers to pay more to make up for higher costs in the supply chain."We're down at the basic building blocks of consumer electronics," Cutts said. These parts are included in items from computers to printers to smart refrigerators and coffeemakers, he said.The USTR list contains a lot of other inputs in final products, like screws, pulleys and motor parts.Whether prices rise will ultimately depend on the availability of substitutes, said Brad Setser, senior fellow for international economics at the Council on Foreign Relations.And companies might find ways to skirt the tariffs by making greater use of manufacturing facilities in other countries, like Brazil and Vietnam."Simply because it costs Apple that much more doesn't mean the consumer will pay [that much] more," said Awi Federgruen, a Columbia Business School professor who studies supply chain management.There's no easy way to determine if companies will decide to raise prices — and if so, by how much.Still, higher prices of any kind could make things tough on stores and shoppers — especially during the upcoming holiday season."These tariffs might be Grinch tariffs," said David French, senior vice president of government relations at the National Retail Federation. He noted that retailers will make decisions about where to source what they sell in December in coming weeks.Right now, companies are combing through their supply chains to see whether they might be impacted.The USTR list included a lot of general manufacturing equipment, so there could be additional revelations about affected products in the days and weeks to come.For example, even though clothing, shoes and toys were excluded from the initial list, parts and machinery used to manufacture these items may have been included, which could affect pricing.There are also lingering concerns that such items may find their way into the final draft."Items like apparel and footwear that are not on the list today, may suddenly materialize or appear on a later list," French said. 3388

Tuition bills are coming due, and while millions of students across the country are weighing the risks of going back to college in the middle of a pandemic, the most financially strapped students carry an added burden of dwindling aid.For Americans living in the lowest income brackets, college represents a way up the socioeconomic ladder. But getting there and obtaining a degree is not easy, especially for students without financial means. The Pell Grant has historically removed some of the obstacles for the most at-need students. But alongside the skyrocketing cost of higher education, the federal grant is having less and less of an impact.The Pell Grant is the largest source of postsecondary education grant aid, helping to fund higher education for at-need students since 1973. In its budget proposal for the 2020-21 school year, the U.S. Department of Education anticipated giving Pell Grants to 6.8 million at-need students, to the tune of .6 billion.How much each student qualifies for depends on their expected family contribution, or how much the federal government says they should be able to contribute toward their own education. Those with the most financial need could qualify for the maximum allowable grant amount: ,345 in the 2020-21 academic year.That authorized maximum amount has grown from ,400 in the Pell Grant’s early years. Despite this growth, it has failed to keep pace with the ballooning costs of a college education.In the past 20 years, average tuition and fees at public four-year institutions (the most affordable type conferring bachelor degrees) have more than doubled, to ,440, while maximum Pell Grant awards have only grown 29%. And tuition isn’t everything — room and board, books and living expenses come at an additional cost.As recently as 2002, the most at-need students would nearly be able to cover their entire tuition and fees at these lower-cost institutions by qualifying for the maximum Pell Grant. But now, those qualifying for maximum Pell awards would find it covers just 59%.Not only has the Pell Grant not kept pace with college costs, it hasn’t kept pace with inflation. To have the same buying power as ,400 did in the grant’s early days, the maximum award amount would need to be about ,000 today.Loans likely filling the funding gapAccording to data from the most recent National Postsecondary Student Aid Study, 90% of dependent full-time undergraduates from households in the lowest income quartile received a Pell Grant in 2016. Among independent undergraduates in that income bracket, 64% received the grant.State and institutional need-based grants may be picking up some of the slack. State need-based grants went to 27% of all full-time students at public four-year institutions in 2016. Need-based grants from institutions went to 17%. But some 57% of students in this lowest income group took out student loans that year.While the Pell Grant typically accounted for 34% of a low-income undergraduate’s total aid in 2016, loans accounted for 44%.Gone are the days when a student’s job (or jobs) could cover their college costs. When grants and scholarships — free money — aren’t enough to cover the costs of education, those from households without college savings have little choice but to turn to borrowing. But student loan debt can be detrimental to lower-income students. A degree can confer higher earning potential, but for a variety of reasons — some of them financial — students in the lowest income brackets are typically the least likely to graduate, according to data from the U.S. Department of Education.Low-income parents also feeling the stingWhen a dependent student has exhausted grants and federal loan limits themselves, they can tap their parents’ borrowing potential.Parent PLUS loans have been around since 1980, allowing parents to borrow up to the difference between the entire cost of attendance and the aid directly awarded to their student. Borrowers must pass a credit check, but there are no income requirements. As of the second quarter of 2020, these loans account for billion or over 6% of all federal student loans outstanding, according to the Department of Education.In 2016, 11% of dependent full-time students in the lowest income quartile at public four-year institutions benefited from federal parent PLUS loans, according to the NPSAS. That’s compared to just 3% in 1996. These loans typically amounted to ,500 in 2016.Federal PLUS loans come with higher interest rates and fewer repayment options than federal student loans. In the 2020-21 school year, PLUS loans are being offered at 5.3% interest compared with 2.75% for federal undergraduate loans. And should a parent run into difficulties repaying the loans — as they increasingly do, according to an analysis from the Brookings Institution — there is only one income-driven plan available. Income-Contingent Repayment plans lower monthly payments by capping them at a percentage of income, but increase the total amount paid over the life of the loan due to interest and an increased term length.What students can doBarring significant increases in need-based aid or significant decreases in college costs, lower-income students and their parents will often have to continue cobbling together their college funds from a variety of sources.The following tips are applicable for anyone who doesn’t have their entire cost of college covered:Maximize free money. Fill out the Free Application for Federal Student Aid, or FAFSA, on time — every year. It’s how you access federal, state and institutional financial aid. Apply for scholarships every year, and only turn to loans when free money is exhausted.Be strategic about borrowing. Borrow only what’s needed and opt for federal student loans whenever possible. Carefully weigh the risks of borrowing a parent PLUS loan versus a private student loan, should education expenses exceed what you can qualify for.Compare costs across institutions. Don’t commit too quickly — weigh all costs associated with attending various schools, and consider starting your college career at a lower-cost community college.Earn while you learn. Look into the work-study program or a part-time job to earn money while in school.Stay committed. Seek out resources on and off campus to stay engaged and enrolled. Leaving college without the increased earning power of a degree makes student loan debt that much harder to pay off.More From NerdWalletHow a Gap Year Might Haunt You FinanciallyDon’t Wait to Refinance These Student Loans‘Shadow’ Lenders Can Leave College Students in the DarkElizabeth Renter is a writer at NerdWallet. Email: elizabeth@nerdwallet.com. Twitter: @elizabethrenter. 6721

University of Maryland's football coach and athletic director will keep their jobs after an investigation into the death of Jordan McNair, a 19-year-old offensive lineman who died of heatstroke two weeks after taking part in an offseason conditioning session.The announcement was made Tuesday by the University System of Maryland board of regents.Wallace D. Loh, president of the University of Maryland, said he planned to retire next year after helping implement reforms that improve the well-being of athletes.Coach D.J. Durkin and some members of the athletic staff have been on administrative leave since August. The university parted ways with its strength coach, Rick Court. 688

Twitter CEO Jack Dorsey knows the tech world has a problem. He's asking big questions like "How do we earn peoples' trust?""We realize that more and more people have fear of companies like ours," Dorsey said in an in-depth interview with CNN. He cited the "perceived power that companies like ours have over how they live and even think every single day."The following day, President Trump proved his point."Social Media is totally discriminating against Republican/Conservative voices. Speaking loudly and clearly for the Trump Administration, we won't let that happen," the president tweeted Saturday morning.Trump is tapping into a widely held belief on the right about biased tech companies. The claims have even become an issue on the campaign trail. "They are trying to silence us" is the new rallying cry.Companies like Facebook and Twitter say they understand the perception, but deny that their algorithms and employees discriminate against any particular political point of view."Are we doing something according to political ideology or viewpoints? We are not. Period," Dorsey said Friday. "We do not look at content with regards to political viewpoint or ideology. We look at behavior."But he knows some people do not believe him."I think we need to constantly show that we are not adding our own bias, which I fully admit is left, is more left-leaning," Dorsey said."We need to remove all bias from how we act and our policies and our enforcement and our tools," he added.In the interview, Dorsey kept coming back to the need for transparency, in much the same way that journalists talk about trying to explain news media processes to readers. Tech companies, he said, need to explain themselves too."I'll fully admit that I haven't done enough of that," he said. "I haven't done enough of, like, articulating my own personal objectives with this service and my own personal objectives in the world."Dorsey spoke candidly about the "fear" people feel about Silicon Valley.When asked "Do you feel as powerful as they think you are?" Dorsey said no, "but I do understand the sentiment. I do understand how actions by us could generate more fear, and I think the only way we can disarm that is by being a lot more open, explaining in a straightforward way why we make decisions, how we make decisions."His bottom line: "We need to be reflective of the service that we're trying to build."Trump, of course, is one of Twitter's highest-profile users. His Saturday morning tweets about censorship lined up closely with Tucker Carlson's Friday night segment titled "Coordinated censorship by big tech." Carlson cited the recent actions against far-right conspiracy theorist Alex Jones."Increasingly the people in charge use technology to silence criticism, mostly of them," Carlson said.To hear Carlson and other conservative commentators tell it, Twitter and its peers are quashing dissent on a daily basis.Trump tweeted that "they are closing down the opinions of many people on the RIGHT, while at the same time doing nothing to others."Trump did not mention Jones or Twitter specifically. But Jones has been in the news lately because CNN and other outlets have been highlighting how his social media posts violated the rules of Twitter and other sites.On Wednesday, Twitter placed some of Jones' accounts on a one-week time-out.Many observers have been skeptical about whether a temporary suspension will actually be effective against Jones.When asked about that in Friday's interview, Dorsey said "I don't know" if Jones will change his offensive behavior."We have evidence that shows that temporary suspensions, temporary lockouts will change behavior. It will change peoples' approach. I'm not na?ve enough to believe that it's going to change it for everyone, but it's worth a shot," he said.More importantly, he added, Twitter has to be "consistent with our enforcement.""We can't just keep changing" the rules "randomly, based on our viewpoints, because that just adds to the fear of companies like ours -- making these judgments, according to our own personal views of who we like and who we don't like -- and taking that out upon those people. Those viewpoints change over time," he said. "And that just feels random and it doesn't feel fair and it doesn't earn anyone's trust because you can't actually see what's behind it." 4353

TULSA -- More details are coming out about the woman who police in Oklahoma say brutally stabbed her 11-year-old daughter Monday night. Friends and family of Taheerah Ahmad said they are in complete shock that the mother could do something like this.Those close to Ahmad painted two different pictures of her. One picture is of a caring mother who loves her children in the public eye, and the other is an abusive, unstable mother inside of her home.“Whenever she would talk about her kids, everything was always positive. She never said anything crazy,” said a former coworker of Ahmad.The coworker, who didn’t want to go on camera with Scripps station KJRH in Tulsa, said she always seemed normal enough.“She would go out with us," the former coworker said. "She would have drinks with us. She just seems like a very nice person.”But as her coworkers got close to her, they said they noticed something was off and would start noticing little things about Ahmad. “I know she went by at least four different names,” a coworker said.Her coworker said whenever a shooting took the life of one of Ahmad's friends last year, Ahmad changed and became sad.Her coworker said she brought up her children all the time and always talked about them in positive ways.But neighbors said that’s just what Ahmad was telling her friends.RELATED: Suspect in Amber Alert, stabbing of daughter seen smiling after arrestMultiple neighbors, who also didn’t want to go on camera, said they often heard screaming from inside the home and said there was something eerie about the house.One neighbor even said several nights in the past week, he would see Ahmad performing what appeared to be rituals late at night around a fire.“I really don’t know if there’s any reasoning behind this, but I just hope whatever is wrong gets fixed,” the neighbor said. The mother is in jail on one count of assault with a deadly weapon with intent to kill, two counts of child neglect and one count of arson.The 11-year-old’s condition is still critical.  2103

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