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High school seniors who plan on taking a gap year this fall to wait out the pandemic could be paying for it for the rest of their lives.While a one-year wait might seem like the right decision for students who don’t want to study online or risk COVID-19 exposure, graduating a year later could cost ,000 in lifetime earnings. A new study from the Federal Reserve Bank of New York details how taking a gap year could put students behind their peers financially and create an insurmountable earnings gap.According to the study, a 22-year-old college graduate earns ,000 on average the first year out of college, and can expect to make ,000 the year they turn 25. By contrast, if a student takes a gap year and delays graduation, they can expect to earn ,000 by age 25 — ,000 less. That gap will perpetuate and compound for late graduates throughout their careers.“Being a year behind, these differences add up each and every year, so that those graduating later never catch up to those who graduated earlier,” researchers Jaison Abel and Richard Deitz write in the report. “Together, these costs add up to more than ,000 over one’s working life, which erodes the value of a college degree.”College might cost even moreCollege typically gets more expensive every year, but this year might be an exception. A few colleges are freezing tuition or offering discounts, and students might see their living expenses decrease. Federal student loan interest rates are at historic lows as well.But experts don’t expect those trends to continue past the health crisis. And missing school this fall means you don’t get to take advantage of lower college expenses.Irma Becerra, president of Marymount University in Virginia, says colleges have had to make major investments to prepare for instruction this fall. Her school plans a hybrid-flex model that will allow students to blend in-person and remote learning based on their needs and comfort level.“Every university that I know has had to incur significant expense to deal with safely reopening or keeping staff and faculty on payroll,” Becerra says.She adds that while colleges are sensitive to the ripple effects of the economic downturn, she expects them to raise tuition in the future unless the government increases investments in higher education. “I can only imagine that [colleges] will have to raise tuition because we’ve all had significant expenses.”Students who opt for a gap year may also have to face higher tuition with less aid. According to Lindsay Clark, director of external affairs at the student finance app Savi, “Taking a gap year and deferring admission could affect scholarships or financial aid offerings if they are not guaranteed for the next year.”Is a gap year still worth the risk?While experts agree that making ,000 less during your lifetime is significant, they advise students not to base their gap-year decision on that figure alone.Arun Ponnusamy, chief academic officer at the college admissions counseling company Collegewise, points out that the return on investment for college is still substantial — even with a gap-year pay dip.A college graduate will make roughly a million dollars more than a high school graduate, according to Ponnusamy. “So we are talking about, you will lose 9% of that by sitting out a year? It just doesn’t sound like that is the number you should use to choose whether or not you sit out.”Martin Van Der Werf, associate director of editorial and postsecondary policy at Georgetown University’s Center on Education and the Workforce, advises students to consider their motivations for going to college and evaluate any anxieties they might have.As the father of a rising college freshman, Van Der Werf knows firsthand the difficult choices and serious implications facing students. He says that students who are experiencing anxiety about the fall may be best served by taking off a semester or two — despite potential wage loss.“The worst thing that could happen is you start college, you don’t finish and you have all this debt,” Van Der Werf says when talking about the potential for some students to be unsuccessful with remote learning. “Then you don’t have a degree to pay off that debt.”He advises students to keep their options open and pay attention to their school’s reopening plans. “There are colleges who announced that they were coming back but are going online. If that makes you uncomfortable, you shouldn’t do it.”More From NerdWalletDon’t Wait to Refinance These Student Loans‘Shadow’ Lenders Can Leave College Students in the DarkStudent Loan Refi Rates Keep Dropping, Should You Take the Plunge?Cecilia Clark is a writer at NerdWallet. Email: cclark@nerdwallet.com. 4719

Hillary Clinton admits that she made a series of mistakes during the 2016 election in her newly released memoir, conceding that she did not fully understand the American electorate and failed to muster the anger that many voters wanted to see.The book is full of Clinton focusing blame elsewhere, but in raw terms -- and with more directness than at any point since Election Day -- the former Democratic nominee admits that she made catastrophic mistakes during the campaign that led to her loss."I've tried to learn from my own mistakes," she writes in her author's note. "There are plenty, as you'll see in this book, and they are mine and mine alone." 662

HARTSHORNE, Okla. – A veteran says he is being kicked out of his home by the City of Hartshorne.William Smith has called a camper home for the last eight years on property that he owns. Now, Hartshorne is telling him to pack it all up and find somewhere else to live.William Smith said, "The hookups were here: water, sewer, and electric. Everything was here. I just figured since I had already been living in my RV and it was mine and it was paid for and I got my property paid for, I thought I was good to go for many, many years."Smith was a Navy radar engineer, constantly moving around."To get all of my equipment on an airplane was not a thing that you could really do," he said.He tinkers in his garage on the property, which is the main reason he bought the land, and generally keeps to himself. So, the veteran was surprised when he the police handed him an eviction notice.It said he had 120 days to relocate. Due to a new ordinance passed by the city council, recreational vehicles, travel trailers and campers no longer specify as a structure for permanent living in the city limits. The city claims the reason is "preservation of the public peace, health, and safety.""They told me there's no provision for a grandfather clause or anything that would allow me to stay here," Smith said,Although some may be concerned about property value, most of Smith's neighbors say they would rather see a camper with a well-kept yard next door to them than an abandoned house like several on Smith’s street.Now, the retired veteran is left in limbo, trying to figure out his next move in life."I bought the place so I could retire here and work in my garage to do my piddling and my projects and all that. So, if I have to move this thing out, I really have no other home," he said.Mayor Joy Cline told a local newspaper the city would work with the elderly and disabled and would not leave anyone homeless under this new ordinance. However, she did not respond to a request for comment. 2016

Home listings in more cities will no longer use the word "master" to describe large bedrooms and bathrooms.In June, the Houston Association of Realtors decided to instead use the word “primary” to describe the largest bedroom or bathroom in a home listing.The association, HAR for short, updated listings on the website through mid-June. In a statement, the organization said the change has been “raised and considered for many years” and was one of nine requests submitted from HAR members for discussion at recent meetings about updating MLS listings. Other requests included things like electric vehicle charging stations and balcony details.“The overarching message was that some members were concerned about how the terms might be perceived by some other agents and consumers. Based on the discussion that took place, more members viewed the terms as sexist than racist, although some did view them as racist,” the statement said. “The origin of the terms is debated, and we are not saying they are rooted in slavery.”The word “master” is not banned within the organization and members, only in their online listings. Realtors may choose to use “master” on their own materials selling a home.HAR told members the United States Department of Housing and Urban Development has already advised that use of the term “master bedroom” or “master bathroom” is not discriminatory and does not violate Fair Housing laws.Some builders have already dropped the term years ago, HAR said. According to the Houston Chronicle, at least one builder in Texas now calls a home's primary bedroom an "owner's retreat." Other builders have also made the change in the last few years, choosing different words to describe the larger rooms in the homes they design. 1755

Grammy-winning artist Adele is once again saying, "Hello," and this time its as host of "Saturday Night Live."Adele announced the news on her Instagram page, saying that her hosting gig will happen almost 12 years to the day she first appeared on the sketch comedy show.The songstress added that she is excited and "absolutely terrified" to host for the first time.H.E.R. will perform as the musical guest.According to US Magazine, this will mark her first appearance in three years. 491

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