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When experts look at the economy and its rebound, they go through an alphabet soup of letters, with a “V” shape recovery being the best-case scenario. It’s a fast decline with a fast recovery. Letters like “W” or “L” mean a much slower and painful path forward.A resurgence of more COVID-19 cases is shifting the likely shape of our economic recovery, and having economists evaluate the likelihood of a recovery in the shape of the more dreaded letters.“The fact that the virus has increased in a number of states shows that it is still very much a threat not only to one’s health but the economy,” said Michelle Meyer, who heads U.S. Economics at Bank of America. “The initial stage of the recovery was quite robust. It felt quite ‘V’ like, the economy was digging its way out of what was a very deep hole.”According to Bank of America, about a third of the jobs lost during the pandemic have been recovered. However, the recovery has slowed down into more of a “U” shape, and now data is showing a stall with concern of a higher chance of a “W” or “L” shape recovery.“The ‘W’ trajectory would be the worst-case scenario. That would show real fragility on the economy if we dipped back into a recession,” added Meyer.Experts say it would lead even higher unemployment, and more permanent job loss and business closures. In addition, to come out of a “W” or “L” shape recovery, we would need even more stimulus money from the federal government, which may not even improve the economic downturn as much as it did the first time.“Stimulus in Washington provides a really nice band-aid and I think it helped tremendously in the first stage of this recovery but at the end of the day, we need the economy to fundamentally improve,” said Meyer.The good news is unless there is a significant or full shutdown again, a “W” shape recovery is still less likely to occur than a “U” shape.“Our analysis projects that a 'U' shape recovery with rather steep losses and growth this year and rather flat next year and then recovering subsequently is the most likely outcome,” said David Turkington, the Senior Vice President at State Street Associates.A recent State Street study based on 100 years of historical data shows that the U.S. still has 30.1% chance of a “U” recovery, and a combined 24.4% chance of a “W” or “L” shape recovery which include stagflation and depression outcomes.“The real economy I think is what determines the recovery and how that plays forward,” said Turkington.The real economy is jobs, businesses and consumer spending. Providing stability there could determine which way the economy goes. 2615

With five weeks remaining in the college football season, the College Football Playoff selection committee unveiled the first poll, and there is little surprise at who is at the top. Alabama, the defending national champs, was ranked No. 1 in the poll released Tuesday, followed by the 2017 champs No. 2-ranked Clemson. With Alabama and Clemson both sporting unbeaten records, it is not surprising to see the two squads at the top of the ranking. But the selection committee's third choice might leave some fans scratching their head. Rather than picking unbeaten Notre Dame at No. 3, the selection committee slotted one-loss LSU as the third pick. Notre Dame, who has a win over Michigan who is ranked at No. 5 in the CFP ranking, was at No. 4. With the toughest part of Notre Dame's schedule in the past, and no remaining Top 25 games remaining on the schedule, the Irish's chances of making the College Football Playoff are in question given that a one-loss team is already ahead of Notre Dame. A group of other one-loss teams are poised to potentially overtake Notre Dame at the No. 4 spot since most of those squads will get the opportunity to play in a conference title game. With Notre Dame being an independent, the Irish do not get the benefit of playing in a conference championship. Behind Michigan is a quintet of teams sporting 7-1 records going into Week 9. Those teams are No. 6 Georgia, No. 7 Oklahoma, No. 8 Washington State, No. 9 Kentucky and No. 10 Ohio State. UCF, who is the only other unbeaten team besides Alabama, Clemson and Notre Dame, was ranked No. 12. The top four teams at the end of the season advance to play in the College Football Playoff.  1728

With Georgia playing a key role in this year’s presidential election, Democrats in the state are reminding voters to check the status of their ballot before a 5 p.m. Friday deadline.Voters in Georgia have until then to “cure” their ballot as the state has a rule that allows people who have their ballot rejected for administrative reasons, such as forgetting a signature, to fix their ballot. Ballots not cured by 5 p.m. Friday are thrown out.Georgia is not the only state that allows for ballot curing. According to the National Association of State Legislatures, 18 states have rules that allow voters to correct errors such as signature discrepancies. While in some states, the deadline to fix such discrepancies has passed, in other states, voters have up to three weeks to fix their ballot depending on the state.Other close states that allow ballot curing include Nevada and Arizona. Nevada gives voters seven days to correct a signature discrepancy. Arizona gives voters five days to make a correction.Pennsylvania is a state that does not have a process for ballot curing. According to WPVI-TV, some counties allowed voters to cure their ballot, prompting a lawsuit from Republicans. According to WPVI, nearly 1,600 voters in Bucks County had their ballot rejected, many for not properly placing their ballot inside of the “secrecy envelope," as voters in Pennsylvania are required to place their ballot inside an unmarked envelope, which is placed inside a marked envelope.In most states that permit ballot curing, elections officials are to notify voters of the discrepancy immediately. But with thousands of ballots being counted, there are questions on whether election officials are able to reach all voters.Stacey Abrams, a prominent Georgia Democrat who had an unsuccessful bid for governor in 2018, launched a website “CheckMyBallot.net” which allows voters in key battleground states to check the status of their mail-in or provisional ballot.What voters aren’t able to do through vote curing is change their vote. 2040

With Congress unable to agree on another stimulus package, the CARES Act may have been the only chance for many to get an economic impact payment or stimulus check. However, millions of people still haven’t received that check.The Internal Revenue Service (IRS) estimates roughly 9 million people are still owed at least ,200. The Center for Taxpayer Rights estimates another 2 to 3 million people are entitled to and have been fighting to get the 0 for each of their eligible dependents.“There is a whole combination of factors for why people have not received their checks,” said Nina Olsen, the Executive Director for The Center of Taxpayer Rights.One reason some have not gotten their checks is because they did not file a 2018 or 2019 tax return, and they have not gone to the IRS’s “Non-Filer Portal,” which is located on the home page of the IRS’s website.So now, after 5 months, the IRS is sending letters to 9 million people in that category. The IRS has been able to identify who still qualifies for a check, but hasn’t received it, by sorting through its records and checking W-2 forms and 1099s.Those forms also have the non-filer’s address information, and that is the address the IRS is using for the new letters. The letters will inform these non-filers they are still eligible to get a stimulus check under the CARES Act and the steps they need to take to get that money. The steps are simple, either go to the IRS’s website and fill out the non-filer form or file a tax return.“It is also really important that people realize that if they use the non-filer portal they won’t be able to claim the earned income credit and many of these people may be eligible for the earned income credit,” said Olsen. “Those people need to file a regular return rather than use the non-filer portal and I don’t think the IRS has done a really good job of telling people that.”The earned income tax credit (EITC), typically earned by those who have dependent children, can be worth up to ,000. If you fill out the non-filer form in the IRS’s portal but later learn you qualified for additional money from the EITC, you could potentially lose the money from EITC.Outside of the 9 million non-filers getting a letter from the IRS, the 2 to 3 million people still eligible for 0 per dependent are getting a second chance at more CARES Act stimulus money.“Social Security Retirees and disabled people, it gave them less than 48 hours to go online if they had children. That meant they could get an additional 0 and enter that on the non-filer portal. Well a lot of these folks don’t have online access,” said Olsen. "It actually took a lawsuit that is still in the process of being settled for the IRS to reopen the portal.”Those still eligible to claim dependents have until the end of September to claim them through the IRS’s non-filer portal. The 9 million non-filers have until October 15 to take their necessary action. 2941

When students normally head back to school, they're greeted with new teachers, classmates, and a new school picture. But professional school photos are either delayed or looking a little different this year because of the pandemic."It's very different. One of the things is we had a lot of schools that hadn't even started back yet, but a lot that have come back have pushed back their start date," explained Erin Middleton, the manager of operations for BPI Photography in Georgia.Middleton says their company is working closely with schools to safely photograph students who are back in-person in the classroom and accommodate those who aren't. BPI Photography says it first works with schools--with social distancing and masks in mind--to take photos of students who are at the school."Then, we actually create a report that is a not-photographed report, and on that not-photographed report would be your students that are face-to-face that didn’t make it on the original picture day,” Middleton explained. “But we also are capturing our virtual students on the absentee day which is like a make-up or retake day.”Middeton says sometimes the photos for virtual students take place after school hours. The company says they are doing everything they can to accommodate schools and families during this unprecedented time. A time some people are wanting to remember in their school picture. That means students and faculty taking their pictures while wearing a mask.For families who are feeling a little lost at this time, Shutterfly and Lifetouch are offering a 2020 School Picture Day guide on their website, plus a new feature for students who are remote learning from home."What we wanted to do in this crazy year of COVID is be able to provide some options for parents and we are photographing at lots of schools around the US but also where picture day isn’t taking place,” said Stephanie Schmid, vice president of marketing and merchandising for Lifetouch. “We wanted to provide a really flexible option for families and meet them where they are, and oftentimes, that's in their living room or their kitchen."Lifetouch launched a new feature through Shutterfly's app, where parents can upload a photo of their child and choose a professional background that they'd normally see in school photos. This allows them to order a school photo that looks just like the one they'd have taken at school."We know families like to have a collection, so you have that child and you want that kindergarten through 8th grade collection and sometimes families order the same background every year. What we did is we offered blue, which is the iconic Lifetouch Picture Day background along with a number of other best sellers so that families can continue their collection and not miss a beat even with a year like this, with COVID-19," said Schmid.Capturing the smiles on children's faces, even if they've had a rocky start to the school year. 2944

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