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FILE - In this Monday, Oct. 22, 2018 file photo shows the Plumpjack Wine & Spirits store, in San Francisco, part of the Plumpjack Group collection of wineries, bars, restaurants, hotels and liquors stores. ncoming California governor Gavin Newsom says he'll give up control of his wine and hospitality business to avoid conflicts of interest. Spokesman Nathan Click says Newsom is transferring the title and control of his PlumpJack Group to a blind trust. PlumpJack Group includes four hotels; four Napa Valley wineries; several bars and restaurants; two wine and liquor stores in San Francisco; and an online liquor store. Newsom also plans to publicly release his tax returns every year he's governor. (AP Photo/Eric Risberg, File) 746

For months now, public health experts and educators have been lamenting the long-term impacts of remote learning.In May, researchers estimated that by the beginning of this academic year, the average student would lose a third of their reading progress and half of their math progress from the previous year.“That was kind of assuming kind of a worst-case scenario,” said Beth Tarasawa, executive vice president of Research at NWEA, a nonprofit standardized testing company that released its findings from this fall’s assessment.“Kids remarkably have weathered pretty well in reading and those patterns both in the cross-sectional as well as the longitudinal studies really kind of highlight some good news,” said Tarasawa.But their analysis of data from nearly 4.4 million U.S. students in grades 3-8 found average scores for math were lower – between 5 and 10 percentile points– for students this year as compared to same-grade students last year.The findings represent some of the first empirical measures of how the pandemic has affected student performance.“We're moving slower, which means that we're covering less material over a certain period of time,” said fifth grade teacher Cara Koen.Koen, who has been teaching reading and math for more than two decades, says remote learning has forced her to slow her pace, especially with math.“There may be difficulties with Wi-Fi and different things from day to day” said Koen. “You have to slow down in order to reach all learners.”Kimberly Berens is a child development expert, educator and the author of "Blind Spots: Why Students Fail and The Science That Can Save Them."“Spending more time on repeated reinforced practice of skills to mastery so that when kids have gaps in instruction that are inevitably going to happen from school closures, kids getting sick or pandemics then kids will be more resilient,” said Berens.Still, NWEA’s data set is incomplete. One in four students who they tested in 2019 were missing from this year’s assessment.“They were much more likely to be African-American or LatinX or Hispanic,” said Tarasawa. "They were more likely to be from high poverty schools and they were more likely to be lower achieving in the first place.”That means that while the new data suggests some promising outcomes, we still don’t know just how severely the pandemic is impacting minority and socio-economically disadvantaged students. 2413

Former CIA operative Valerie Plame Wilson is apologizing after tweeting an anti-Semitic article titled "America's Jews Are Driving America's Wars" on Thursday.Wilson has been critical of President Donald Trump and his use of Twitter -- including a recent effort on GoFundMe to buy a stake of Twitter and convince the company to ban the President.On Thursday, Wilson shared the article from The Unz Review, an alternative conservative website. After criticism, Wilson repeatedly offered remorse for sharing the article with a series of tweets. 560

Federal student loan borrowers haven’t had to make payments since March. But without continued government intervention, those unable to pay can expect long waits for help come October when bills are scheduled to restart.Automatic, interest-free forbearance provided by the first coronavirus relief package was not extended by the Health, Economic Assistance, Liability Protection and Schools Act proposed by Senate Republicans. There’s no additional relief for student loan borrowers in the proposal.While that legislation could still change, your best safeguard if your job or finances are shaky is to act now.“It’s a disaster waiting to happen,” says Seth Frotman, executive director of the Student Borrower Protection Center, a Washington, D.C.-based nonprofit.Restarting payments for tens of millions of student loan borrowers will likely lead to delinquencies and defaults, says Frotman. And there’s precedent for his assertion: Data from the Education Department in 2019 shows defaults increased when forbearances expired after natural disasters.On top of that, the number of borrowers affected by the pandemic dwarfs any previous challenge for student loan servicers.The servicing system was “never meant to handle high volatility moments; it was built to handle servicing on a normal cycle,” says Scott Buchanan, executive director of Student Loan Servicer Alliance, a nonprofit trade association representing student loan servicers. Buchanan urges borrowers to contact their servicers today for guidance.You don’t have to wait for congressional approval to take control. If you don’t think you can handle your monthly payments, an income-driven repayment plan is your best option to avoid default. Here’s why you should enroll now and what your other choices are.Opt for income-driven repaymentFederal loan borrowers can — and should — apply now for income-driven repayment. Each of the four plans available will cap payments at a percentage of your income and extend repayment to 20 or 25 years, with any remaining balance forgiven at the end.The most broadly available plan, Revised Pay As You Earn, or REPAYE, caps payments at 10% of discretionary income. If you have no income, or your income is at or below the poverty line, your payments would be zero.It’s vital to enroll as soon as possible. Many student loan borrowers who are out of work may apply for income-driven repayment all at once, which is likely to overwhelm the servicers. You’re more likely to get your application approved sooner if you apply now.“This is the moment for you to reach out and call us so we can talk specifically about your situation,” says Buchanan.He adds that servicers are planning outreach to borrowers in the coming weeks. In the meantime, they’re internally discussing increased staffing to meet an influx of demand from student loan borrowers.Recertify your existing income-driven repayment planFederal loan borrowers already enrolled in income-driven repayment must recertify their income each year or revert to a standard repayment plan.If you’ve had a change in income, now is a good time to update the amount with your servicer. Recertification will make sure your payments are updated and affordable.The fastest way to recertify your plan is at studentaid.gov, but a paper form is also available.Request another payment pause — this time with interestYour alternate option is to pause payments through forbearance or an unemployment deferment. Neither is quite like the payment pause you currently have — you have to request it, and interest will likely accrue during the entire pause and increase the total you owe. To prevent this, you can ask to make interest-only payments during these periods.An unemployment deferment allows you to postpone repayment for up to 36 months. You must be receiving unemployment benefits or working part time while seeking full-time work. Only apply for an unemployment deferment if you know you’ll be out of work for a short period of time and if you can prove you have looked for a job at least six times within the last six months. Otherwise, an income-driven repayment plan is the way to go. Interest won’t accrue on subsidized loans during an unemployment deferment.A forbearance is a last-ditch effort to avoid student loan default, which could lead to your wages being garnished or your tax refund being seized. Interest will accrue on all your loans and be added to your balance at the end. Only use forbearance if you can’t pay your loans, you plan to restart repayment soon and you won’t qualify for an unemployment deferment. You can request a forbearance with your servicer.Ask your private lender about hardship optionsPrivate student loan borrowers were left out of the original Coronavirus Aid, Relief, and Economic Security Act as well as the HEALS Act.But private lenders usually offer student loan forbearance or can temporarily lower your payments, though these options are far less generous than federal ones. Private lenders are also making relief options available temporarily to borrowers facing financial challenges. Options like additional temporary forbearance periods won’t count against existing limits.More From NerdWalletHow to Get Student Loan Relief During the Coronavirus and BeyondEmergency Financial Aid for College Students: What Are Your Options?Don’t Fall for COVID-19 Student Loan Relief ScamsAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 5475

Four states have approved legalizing marijuana. The measures are projected to pass in Arizona, Montana New Jersey and South Dakota. In Arizona and New Jersey measures would make recreational use of marijuana legal for people 21 and older.The Arizona measure also allows people convicted of certain marijuana crimes to seek expungement of their records. Lawmakers in New Jersey were unable to pass legislation about marijuana and eventually put it on the ballot for voters to decide.Marijuana is still illegal on the national level, however 11 states and the District of Columbia have already legalized it and sell it without interference from the federal government. 674