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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

LUTZ, Fla. — A South Carolina man was arrested in Florida after Hillsborough County deputies say he planned to commit a crime he planned for eight months.The Hillsborough County Sheriff's Office said on Sunday, August 16 at 2:43 a.m., the suspect, Phillip Thomas, 24, entered a home within the Promenade at Lake Park in Lutz.Detectives learned Thomas parked his car at Idle Wild Church earlier that night, walked to the home, cut a hole in the patio screen, and remained there for about three to four hours. He was watching and listening through the windows, officials said.After the homeowner went to bed, Thomas came in through the back sliding door which activated the home alarm. It prompted the homeowner to look out the window and spot Thomas.The homeowner and a guest left the home in a car and called 911.When deputies arrived, Thomas was still inside the home.According to public records, the home is owned by Daria Berenato. She is a WWE wrestler who goes by the name Sonya Deville. “I have spoken to her and I’m glad she’s safe and I’m thankful and grateful that the sheriff's office took care of the situation immediately. Celebrity status aside this is sickening. I am a product of a sexual assault and have zero-tolerance or respect for any human being that would violate a person's privacy and or personal space," said WWE Superstar Titus O'Neil.Deputies discovered he was carrying a knife, plastic zip ties, duct tape, mace, and other items.Through the investigation, detectives discovered Thomas lived in South Carolina and came to Lutz specifically targeting the homeowner."We know the suspect was completely obsessed with the victim and they had been trying to engage in a conversation for several years, but were unsuccessful, and then Sunday night is when they tried to confront the victim," said Natalia Verdina, a public information officer with HCSO.Thomas told deputies he was planning to take the homeowner hostage."Our deputies are unveiling the suspect's disturbing obsession with this homeowner who he had never met, but stalked on social media for years," said Sheriff Chad Chronister. "It's frightening to think of all the ways this incident could have played out had the home alarm not gone off and alerted the homeowner of an intruder. Our deputies arrived within minutes and arrested this man who was clearly on a mission to inflict harm."Thomas was charged with aggravated stalking, armed burglary of a dwelling, attempted armed kidnapping, and criminal mischief.We spoke with cybersecurity expert Stu Sjouwerman. He's the founder of KnowBe4, which trains business and individuals to be safer online. We asked him how easy it is to find the personal information of regular people and celebrities. His answer was the same for both."It is horribly easy. You would be surprised," he said.Sjouwerman says there's no clear way to guarantee the protection of your data in today's age with one exception.“Take a pair of scissors and snip that wire, go offline, and off-grid altogether. That's the only secure way otherwise you need to mitigate the risks," he said.He says there are 12 healthy habits we can all adopt, on social media especially, to greatly reduce our risk against bad actors.Only friend people you have met in real life.Check your social network privacy settings regularly.Set your profile privacy to friends only.Don't check into locations because it makes it easier for someone to stalk you.Don't post that your house is empty when you go on vacation because it makes you a target for theft.Use a VPN when surfing social media on public WiFi.Don't post photos of items that may contain your personal information like your driver's license, check stubs, and airline tickets.Don't give random apps and survey sites permission to access your profile.Share with care, the internet is forever.Don't post anything that would upset your grandmother or someone interviewing you 10 years from now.Don't post company information or publicly rant about your professional life.Don't post evidence of illegal activities or inappropriate content.If anyone has any information about the cases, call the Hillsborough County Sheriff's Office at (813) 247-8200.This story was first reported by Lisette Lopez and Isabel Rosales at WFTS in Florida. 4302

Mark Zuckerberg survived his first grilling by Congress. Now he's undergoing round two.The Facebook CEO is testifying Wednesday before the House Energy and Commerce Committee, his second and final hearing this week in the wake of the Cambridge Analytica data scandal.Zuckerberg repeated an apology offered in the previous hearing that Facebook made a "big mistake" by not taking "a broad enough view" of its responsibility. 431

MARYVILLE, Tenn. – Ruby Tuesday has filed for Chapter 11 bankruptcy protection.The casual dining chain says it's pursuing a comprehensive financial and operational restructuring aimed at reducing the company’s current debt and enhancing operations to continue to serve guests in the future.In a statement, Ruby Tuesday CEO Shawn Lederman said the restructuring will allow the business to reposition for long-term stability as it recovers from the unprecedented impact of COVID-19.The restaurant says it will continue serving guests as usual, with increased distancing, cleaning and sanitization protocols in place to ensure safety and peace of mind in response to the COVID-19 pandemic.“This announcement does not mean ‘Goodbye, Ruby Tuesday,’” wrote Lederman.The company also notes that Ruby Tuesday gift cards and “So Connected Rewards” will continue to be valid and retain their value through the bankruptcy process.“Our restructuring demonstrates a commitment to Ruby Tuesday’s future viability as we work to preserve thousands of team member jobs,” Lederman continued in his statement. “Our guests can be assured that during the Chapter 11 process, we will continue to deliver welcoming service and provide a safe environment for guests and team members, while serving fresh, signature products that only Ruby Tuesday can offer. With this critical step in our transformation for long-term financial health – this is ‘Hello’, to a stronger Ruby Tuesday.”Though a timeline for the bankruptcy was not provided, the company says it intends to move through the process as quickly as possible. 1600

Mandy Lamay wants to go from renter to buyer, looking to close on her first property during the COVID-19 crisis.“I started right as the pandemic was hitting,” she said of her home search. “That was kind of my driving factor for buying a house.”Purchasing a property during a pandemic, however, has proven to be somewhat problematic for buyers like Lamay.“You have to be viewing the house day one it pops on the market,” she said. “If you’re actually interested, you have to put in an offer immediately.”This kind of competition has created all kinds of chaos across the country.“We are seeing this pent-up demand,” said Dr. Jessica Lautz, vice president of demographics and behavioral insights for the National Association of Realtors. “We’ve actually seen in every region on a national scale that home sales actually did increase.”Lautz says after two months of drastic decline during the coronavirus shutdown, pending home sales mounted a record rebound in May.“The month-over-month increase in pending home sales is the largest that we’ve recorded,” she said.That’s more than a 44% increase after seeing home sales drop to their lowest levels in nine-and-a-half years.“Buyers are rethinking their living situations,” Lautz said. “So, the demand is really hot and that’s going to drive up prices.”Also impacting prices are slow building, low inventory and low interest rates.Combine those factors with more Americans looking to move from big cities to smaller towns and Lautz believes America’s real estate market will be impacted even more.“People are reevaluating and saying, ‘I don’t want to live in a dense area, crowded city center, crowded blocks,’” she said. “Elevator living is just not the right thing for people today.”For Lamay, she’s locked in a 3.125% interest rate and says she may overpay for her first property, if it gives her a peace of mind.“And then hopefully I’ll have a big new yard for my dog and myself,” she said. 1948

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