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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

Get ready to save some lives! Sidewalk CPR Day is on Thursday. Each year more than 1,500 San Diegans are killed because of sudden cardiac arrest. Sidewalk CPR Day aims to lower that number by training approximately 4,000 people in Hands Only CPR. The overall goal is to increase the number of lifesavers in the community. There were will be various training events happening across the county.Trained personnel will teach participants when to call 911, when to use CPR, and how to provide Hands Only Sidewalk CPR.American Medical Response & Heartland Fire & Rescue personnel will provide Sidewalk CPR training.Sidewalk CPR Training will take place at the following locations in El Cajon, La Mesa, and Lemon Grove on May 17 from 9:00 a.m. to 5:00 p.m.: 773

High school students across the country could soon receive training on how to stop bleeding during an incident like a school shooting, and the federal government is offering a big grant to make this happen.This week, Clay High School in Oregon, Ohio became one of the few schools to add Stop the Bleed kits in 90 classrooms, thanks to the proposal of student Nick McNeal.McNeal brought the idea to his school’s student government program, and after much persistence, his school passed out the kits to all teachers earlier this week."Now it's a matter of, how can we keep our kids safe in addition to education," says school principal James Jurski.Now, the Department of Homeland Security wants to make sure even more teachers and students are prepared to do what they can to minimize casualties in the event of a school shooting. Officials are offering .8 million to anyone who can come up with a trauma-training program that could be utilized on a national scale.The program, called “School-Age Trauma Training (SATT),” seeks to “deliver free to the public, lifesaving trauma training to high school age students for mass casualty events.”Jurski says in 2018, it's just a necessity that schools prepare for these situations, but he admitted it is frustrating that it has come to this.“Every teacher in the building went into education to educate students,” explains Jurski. “And I don't think there’s a time, at least when I went to school, where safety was even mentioned in our training. Now, it’s just become a way of life."Homeland Security officials will be taking grant submissions until Aug. 27. 1613

Happy World Emoji Day! Go ahead, look closely at that calendar emoji on your phone, with the default date of July 17. That makes Friday World Emoji Day.This year has been so … much. There are hardly any words to describe it. Try emojis today.Emojipedia looked at which emojis were most often included in conversations about the coronavirus. The mask-wearing face was the top result ??????, but people are also using the Nauseated Face ??, Face Vomiting ??, Sneezing Face ??, and Face with a Thermometer ??.Emojipedia says relative use of the smiley face emoji is down more than 5 percent over the last year.According to Emojipedia, the top ten emojis from April 2020 (which seems like a lifetime ago):?? Face with Tears of Joy?? Loudly Crying Face?? Pleading Face?? Rolling on the Floor Laughing?? Red Heart? Sparkles?? Smiling Face with Heart-Eyes?? Folded Hands?? Smiling Face with Smiling Eyes?? Smiling Face with HeartAlthough, the recent events of 2020 will probably bump some new ones to the list.World Emoji Awards are being announced Friday, and after weeks of online voting, will name “the most 2020 emoji”. 1124

Here's what's happening in the world of politics Saturday, Aug. 11, 2018.Congressman Collins suspends reelection campaign after insider trading charges— New York Republican Rep. Chris Collins will not seek reelection following charges of insider trading earlier this week.In a statement, Rep. Collins wrote it would be in the best interests for constituents that he suspend his reelection campaign."After extensive discussions with my family and friends over the last few days, I have decided that it is in the best interests of the constituents of NY-27, the Republican Party and President Trump's agenda for me to suspend my campaign for re-election to Congress."Wednesday, federal prosecutors charged Collins, his son, and another man with 13 counts of securities fraud, wire fraud, and false statement from the insider trading scheme around Australian pharmaceutical company Innate Immunotherapeutics Limited.Read more.North Korea continues to reject US proposals on denuclearization— North Korea has turned down repeated US proposals on denuclearization, CNN reports.The US has reportedly made "specific proposals for starting and proceeding to the end point of fully verified denuclearization," including a timeline, all of which have been rejected.North Korea has reportedly considered the proposals "gangster-like."President Trump met with North Korean leader Kim Jong Un in a June summit. The summit, however, produced no timetables, milestones, or promises, and instead, vague promises.Read more.Immigration lawyer for Melania Trump's parents pushes back on President's rhetoric— The immigration lawyer for First Lady Melania Trump's parents is calling President Trump's hardline stance on "chain migration" family visas "unconscionable.""It's unconscionable to scare people into believing that," the attorney, Michael Wildes, said Friday on CNN. "Imagine this, people will work harder and love more, and do more for America knowing that their loved ones, their immediate relatives, their parents, their children ... to say you can bring one relative and not another relative ... I can understand that some of them may be in jeopardy, and you may want to retool an antiquated immigration system. It looks weird to have a lottery system. But chain migration? No. Family reunification."Melania Trump's parents, Viktor and Amalija Knavs, were granted US citizenship Thursday.Read more. 2440

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