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More than 100 college newsrooms across the country plan to flood social media with editorials emphasizing the importance of student media on Wednesday, as well as calls for alumni donations.It's all part of a campaign called #SaveStudentNewsrooms -- an effort spearheaded by the editors at the Independent Florida Alligator, the student paper at the University of Florida. Editors there said they learned that Southern Methodist University's paper -- The Daily Campus -- would have to re-affiliate with the university due to lack of funding.Lack of funding is an issue that various student publications around the country have been facing, as it puts editorial independence in jeopardy."The whole idea behind the call to action day was to start a conversation about the state of student media in the US," said Melissa Gomez, the editor-in-chief of The Independent Florida Alligator. "Some people who may be removed from the university and or their publication may not realize that student newsrooms don't look like they did 20 years ago. Some of them have folded. Some of them are struggling to survive the next month. Others don't really have a secured future. And we want people to be aware of that."The Independent Florida Alligator is still separate from its university, but Gomez said it has faced other issues, such as a 7% pay cut across the board for its staff and other financial constraints.Gomez and her fellow editors plan to spend Wednesday pushing online content to raise awareness for #SaveStudentNewsrooms and highlighting the editorials of other student-run publications, she said. Some of of these editorials have already been posted on the campaign's website.The Daily Orange, the student-run paper at Syracuse University, is one of the 117 publications that will be participating Wednesday. Last week, the paper published a video of Syracuse's Theta Tau fraternity chapter exhibiting "extremely racist" behavior, after the university said it would not be releasing the video, according to Alexa Díaz, the editor-in-chief of The Daily Orange."I think that was the power of independent journalism as well, is that we were able to do that and able to put that content out there, and we're not telling people to watch it or not watch it," Díaz said. "We just believe in the accessibility of information being a platform where community members can watch these videos and formulate their own opinions accordingly."Along with posting an editorial, Díaz said The Daily Orange will be showing off its newsroom in a Facebook live video and sharing staff photos for Wednesday's event. The paper's staff also plans to urge its alumni to participate."I'm extremely proud of our staff and I think when it comes to the independence factor and being students, everyone likes to say, 'Oh you're the student newspaper,' or, 'Oh you're a student journalist,' but I mean student journalism doesn't really exist, it's just journalism," Díaz said.Even after the unofficial Support Student Journalism Day is over, Gomez and her peers plan to continue raising awareness."We're still going to be advocating for a conversation about the state of student media to happen," Gomez said. "Because we don't want these papers to just disappear and fold or be under the control of their university without editorial independence, because at that point they stop being a resource for their community and they just start being a public relations arm." 3465

Mykehia Curry is going to be the first member of her family to go to college, but she needed a little help to get there.The Macon, Georgia, teen took out student loans to pay for her tuition and housing at Albany State University, but she didn't have money for some of the things she'd need for her first time living away from home.Curry's mom is on disability, so money has been tight.On Saturday, just days before she was scheduled to leave for school, she asked God for help."I wrote a note that said 'God please help me get the rest of my stuff for college,'" Curry told CNN. "Then I said 'Amen, I love you God' and I wrote my name and number."She tied the note to three helium balloons leftover from her grandmother's birthday celebration and let them go."When I was writing the note, I was just trying to reach out to God. I didn't know where it would land," she said. "I thought that someone would pick it up and call me and tell me they got it or just throw it in the trash."The balloons flew about 15 miles northeast and carried the note to Gray, Georgia.That's where Jerome Jones, a Baptist minister, found it. Jones also works for Georgia Power and spotted the balloons on Monday while he was out on a job."I saw something shiny and floating, so I walked over there and I got it and it was balloons with a note tied to it," Jones told CNN affiliate WMGT. "They floated all night and they landed right in my hands, I mean, practically."He called Curry and offered to buy what she needed."He said they would love to help me out," Curry said. "I was so shocked and surprised."Jones and another member of his church brought her a comforter and refrigerator on Tuesday and now she's on her way to Albany State to get moved into her dorm.She said she plans to keep in touch with Jones and let him know how she's doing at school.Curry will be studying nursing and hopes to get a job on campus in a couple of months after she gets settled in with her classes."I am very excited to meet new people and start my journey and a new chapter in my life," she said. "This is a big step for me." 2098

Moving comes with a long, expensive to-do list.The average cost to for a local move from a two-bedroom apartment or three-bedroom house ranges from 0 to ,000, according to HomeAdvisor’s True Cost Guide. While you’re choosing a place to live and deciding what to pack, having a plan for expenses can ensure your budget doesn’t get lost in the shuffle.“It’s very easy to overlook minor details because when you’re moving, you’re looking at getting your stuff from point A to point B,” says Jessica Nichols, a director at Avail Move Management, a relocation and transportation service in Evansville, Indiana.Preparing for moving costs can help alleviate emotional and financial strain. Consider these less-obvious expenses. 748

Mortgage rates are likely to set record lows in August for the third month in a row.The 30-year fixed-rate mortgage averaged 3.18% APR in July, a record low in NerdWallet’s mortgage rate survey. The average rate tumbled 15 basis points compared with June, which at the time had the record low monthly average.The recession has caused rates to fallMortgage rates fall when the economy stalls. And the economy has been sputtering for months as the COVID-19 pandemic sent millions of people to the ranks of the unemployed.The U.S. economy shrank at a 32.9% annual rate from April through June, the Commerce Department reported July 30. The slowdown happened because businesses, state and local governments, and consumers cut their spending. Consumers cut way back on clothing and footwear purchases, among other items.? MORE: How mortgage rates are determinedGood news for refinancers, hard times for othersThe COVID-19 pandemic has helped some homeowners while injuring others, and it may harm many renters as well.Among the beneficiaries are homeowners with high credit scores who haven’t suffered interruptions in income. They have met the qualifications to refinance their mortgages at record-low interest rates.Home sellers have thrived in many housing markets, as home prices have risen despite surging unemployment, an unusual combination. Home resale prices were up 3.5% in June, compared with a year before, according to the National Association of Realtors. One reason for the increase in prices: Fewer homes were for sale because of social distancing. The reduced supply of for-sale houses led to increased competition among buyers, pushing prices upward.Homeowners must catch up on missed paymentsBut the COVID-19 recession may end up harming more homeowners than it helps.In late July, 3.9 million homeowners were using mortgage relief plans that allow borrowers to miss payments or make partial payments if they have been affected by COVID-19, according to the Mortgage Bankers Association. Eventually, those homeowners will be expected to catch up on their missed payments. Some homeowners’ incomes were permanently reduced. They may find it difficult to make good on their past-due payments.Renters could be out in the coldRenters could end up suffering the most. According to the U.S. Census Bureau’s Household Pulse Survey, 18% of renters, or 13.3 million households, didn’t pay their full rent in June. And in mid-July, one-third of renters surveyed, representing 23.8 million households, told the bureau that they had no confidence or slight confidence that they would make their next rent payment.Congress, along with state and local governments, imposed limits on evictions early in the pandemic, but some of those protections have expired. On top of that, 0 extra weekly unemployment insurance payments were set to expire at the end of July, and as the clock ticked down to the August recess, Congress was still negotiating an extension.Even with tenant protections in place, about 4% of renters have received an eviction notice or have been threatened with eviction since March, according to data from the Urban Institute’s Coronavirus Tracking Survey.When eviction bans expire, tenants have few options:Apply for emergency rental assistance, if the state or city offers it and still has money.Reach a repayment agreement with the landlord. Under such an agreement, tenants pay extra each month until they catch up with the past-due rent. But a repayment plan requires the tenant to have the money and the landlord to be willing to make a deal. Neither of those is a sure thing.If it’s not swamped with similar requests, the local legal aid service might be able to step in and help negotiate a deal with the landlord.? MORE: What COVID-19 means for mortgage ratesMore from NerdWalletCompare current mortgage ratesHow much home can I afford?Buying or selling a home during the pandemicHolden Lewis is a writer at NerdWallet. Email: hlewis@nerdwallet.com. Twitter: @HoldenL.The article Mortgage Outlook: Recession Presses Down on August Rates originally appeared on NerdWallet. 4108

Moving is stressful enough without throwing a pandemic into the mix.Many Americans may be forced to consider moving as federal foreclosure and eviction moratoriums expire. In the first week of July, 32% of Americans did not make a full, on-time housing payment, according to a nationally representative survey by the website Apartment List. Others may relocate to save money, be closer to loved ones or simply leave a densely populated area.If you’re considering moving, here’s what to know from a financial standpoint, as well as tips to make moving day safer.Budget for extrasAside from the usual expenses like buying boxes, renting a van or hiring movers, plan for extra costs because of the pandemic.You may need to buy heavy-duty supplies to deep-clean your old place, for example, or to sanitize your new accommodations. If you are moving out of a rental unit, some landlords may ask you to pay for professional cleaners or take the cost out of your security deposit.Moving across county or state lines? Check what the quarantine requirements are in your new location, says Jean Wilczynski, a certified financial planner and senior wealth advisor at Exencial Wealth Advisors in Old Lyme, Connecticut. You may have to pay for quarantine accommodations like a hotel or Airbnb if your new apartment or home is not move-in ready, she says.If you are receiving unemployment benefits, check the rules on how your benefits carry forward in your new location and what the taxes are if it is a new state, Wilczynski says. You can typically find this information on your state’s Department of Labor website, she says.If you are unemployed or your income has dropped as a result of the pandemic, you can also check whether you qualify for moving assistance by calling 211.You might not be able to really get to know your new place until you’re living there, so prepare yourself (and your wallet) for surprises like leaky faucets or broken appliances. Landlords and real estate agents may offer only virtual tours. And if you can see the new accommodations in person, you may be required to sign a waiver, wear a mask and avoid touching anything while in the house.Stay safe during the moveHow to move safely depends on whether you are doing it yourself or using movers. Current guidance from the Centers for Disease Control and Prevention suggests that the main way the coronavirus spreads is through respiratory droplets, says Lindsay Slowiczek, pharmacist and drug content integrity manager at Healthline.com. That’s why wearing a mask and staying away from people is important to slow the spread of the virus, she says. Sanitizing surfaces is also an extra precaution worth taking.Moving yourselfIf you’re renting a moving truck, companies like U-Haul offer contactless pickup and drop-off options. Slowiczek suggests sanitizing the door handles, steering wheel, radio and the metal tongue on the seatbelt in the rental van.Using moversBefore picking a moving company, check its website or call and ask about its safety practices in response to the pandemic, Slowiczek says. Ask whether the movers wear masks and gloves during the move.On moving day, she suggests being prepared with a plan to limit interaction with movers and maintain social distancing. This includes packing as many things as you can yourself, or consider using a self-pack moving container as Slowiczek did for her own recent move.If the movers will pack the truck, create a schedule for the movers. For example, ask them to start with a particular room as you stay in another. This is also particularly useful if you live with family members who are vulnerable or immunocompromised, she says. Try to limit their involvement with the move as much as possible.“Plan out the way [the movers] are going to move through the house,” says Slowiczek. “If possible, move all of [your boxes] to one area in your home so they don’t have to come throughout your house as much.”Keep hand sanitizer or soap handy during the move so that you and the movers can use it periodically, she says. (Check on the FDA website that your brand of hand sanitizer is methanol-free, Slowiczek adds). After the move, use disinfectants registered with the Environmental Protection Agency to clean surfaces or furniture.“Just using the product as-is is not enough — read the instructions on how long it should be wet on the surface,” Slowiczek says.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletCan You Have Too Much Credit?Smart Money Podcast: How to Travel Safely, and How to Handle Old DebtsTransition From Work-at-Home Novice to ProAmrita Jayakumar is a writer at NerdWallet. Email: ajayakumar@nerdwallet.com. Twitter: @ajbombay. 4746