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Apparently watching the Democratic National Convention from the White House, President Donald Trump sent out three tweets late Wednesday in all caps in as he faced sharp criticism from Democrats during the convention.The attacks came frequently and with vigor among the Democratic speakers, headlined by Barack Obama, Hillary Clinton, and vice presidential nominee Kamala Harris.Two of his tweets were apparently directed toward Obama. In one of the tweets, Trump repeated a claim that Obama spied on the Trump campaign in 2016. While intelligence officials did monitor contacts between the Trump campaign and Russian oligarchs, there is no evidence that Obama directed the intelligence community to spy on Trump. 721

An influx of college financial aid applications this year means that money could run out for students who don’t file early.Due to financial strain caused by COVID-19, nearly 40% of families that didn’t previously plan to apply for federal financial aid now expect to do so, according to a recently released survey from Discover Student Loans.The federal government, states, colleges and other organizations use the Free Application for Federal Student Aid, or FAFSA, to award financial aid. You must complete the FAFSA to be considered for financial aid.You have 21 months to submit the FAFSA for any given academic year. For the 2021-22 school year, the FAFSA opens Oct. 1, 2020, and closes June 30, 2022. But that doesn’t mean you should wait.“There is no downside to applying early, but a lot of risk in applying late,” says Manny Chagas, vice president and head of marketing and product at Discover Student Loans.Here’s why you should file the FAFSA now.Better shot at more free moneyThe sooner you submit the FAFSA, the greater your chances are of getting free aid you don’t have to repay, such as grants or scholarships.Federal Pell Grant money likely won’t run out, but other need-based aid, including that awarded through your school and state, is limited and awarded on a first-come, first-served basis. Jack Murphy, financial aid counselor at the University of Northern Iowa, named the Federal Supplemental Educational Opportunity Grant and his school’s tuition assistance grant as examples.The Federal Work-Study Program also has limited funds, so you’ll want to file the FAFSA early to take advantage of it.More time to appeal a financial aid decisionStudents and parents who are dissatisfied with their aid amounts or have a change in economic circumstances can appeal the financial aid award from their school. To do this, you need to petition your school with a financial aid appeal letter and provide evidence to support your need for more aid. If you wait too long, the aid money could run out.Those who file the FAFSA early are more likely to receive their school-based financial aid awards with their college acceptance letters. While your federal aid will be the same no matter where you attend college, you can send your FAFSA information to several schools to see which will give you the best school-based aid package. Doing so early will allow you to compare offers and appeal if necessary.If you apply for the FAFSA late, you not only risk a smaller award to begin with, but you also have less opportunity to “shop around” and submit a successful appeal letter.A quarter of parents surveyed by Discover Student Loans say they’ll appeal their financial aid decision because of previous award amounts and pandemic-induced changes in family finances. In speaking about the survey, Chagas emphasizes that there tends to be more money available early in the process, so students should make the FAFSA a priority.Murphy agrees. “Filing early makes sure you’re in the running to receive as many awards as possible,” he says. “We see students that get [aid] one year, but not the next.”They don’t lose out on aid because they no longer qualify, Murphy explains. They just waited too long.More From NerdWalletNerdWallet’s FAFSA GuideYour FAFSA Questions AnsweredWhat Are the FAFSA Requirements?Cecilia Clark is a writer at NerdWallet. Email: cclark@nerdwallet.com. 3387

An Australian energy company is giving hundreds of female employees a raise to make sure they get paid the same amount as their male counterparts.It's "not right or fair to expect women to have to wait any longer for the pay gap to close -- so, we're fixing that right now," said Catherine Tanna, managing director of Energy Australia, said in a statement announcing the move.Around 350 women at the electricity and gas supplier will receive a one-off adjustment to their salaries, with an average increase of about 3,500 Australian dollars (,740), according to the company. About 80 men who earn less than colleagues doing the same job will also get a salary bump.The raises will add an extra 1.2 million Australian dollars (0,000) to the company's annual salary bill. It announced the investment Wednesday, on the eve of International Women's Day.The changes will be made quickly. Energy Australia said the new pay packages will go into effect next month, effectively closing the company's current 2% gender pay gap.But addressing the broader issue of unequal pay across Australia will take a lot longer.Australian women earn on average about 84 cents for every dollar that men earn, according to government figures. The gap widens once annual bonuses and other additional payments are included, with women earning about 73 cents for every dollar that men earn.That means men working full time earn nearly 27,000 Australian dollars (,000) a year more on average than full-time women employees, according to Australia's Workplace Gender Equality Agency.Everyone is playing catch up to Iceland.The Nordic country made it illegal to pay women less than men earlier this year, requiring companies to proactively get equal pay certification from the government.Iceland ranks first among 144 countries for gender equality across politics, education, pay and health policies, according the World Economic Forum's annual report on the issue.Australia comes in at 35, while the US is ranked 49.  2009

America's largest group of child doctors updated its guidance on cloth face coverings for kids in sports to cover competition on Friday and now recommend youth athletes wear cloth face masks during games.The American Academy of Pediatrics' previous recommendation suggested they wear masks on the sidelines, in between drills, or when entering or leaving the field.In addition to wearing masks during games, the AAP also suggests that practices are kept small and teams do not mix with other teams or coaches.The AAP added that face coverings can be removed when participating in swimming, or where they could become a choking hazard or impair vision like in cheerleading, gymnastics, or wrestling. 706

Are you participating in Black Friday shopping this week? The season's biggest shopping event of the year might look a lot different than usual with many cities, states and retailers putting in restrictions due to COVID-19.For the first time, Deloitte’s consumer survey found that more shoppers plan to go online Thanksgiving weekend than to visit in-person retailers. The survey found that 58% of those planning to shop on Thanksgiving weekend will do so online, compared to 41% who say they will shop in person. Last year, 61% of shoppers said they planned on shopping in person compared to 51% who said they would shop online. A number of those surveyed said they would do both.If you plan on shopping on Black Friday, the Better Business Bureau offered the following tips:1) Stay Safe. Follow CDC guidelines to healthy and safe while in the store.2) Make the most of Black Friday deals. Start with a list of items and use sale flyers and promotions to determine which store has the best price. Set a budget and stick with it before heading out.3) Read the fine printSome retailers may offer an additional percentage off the purchase, but could exclude certain deals or items such as “door busters.” Watch for companies boasting a high percentage off; the item may be “75% off,” but the original price could be inflated. Carefully check the price tags, terms, and conditions. Research online using a secure wifi connection to see if competitors have the item at a better price.4) Plan out the excursion. Sometimes it's not necessary to wait to see what deals will be offered on Black Friday. Retailers often will release Black Friday flyers weeks ahead of time, so consumers can plan out their shopping spree. Make a map of the stores to visit and what items are at which store. Some retailors only honor sale ads during a certain time frame, or on certain days, and could limit the amount of deeply discounted items available for purchase.5) Sign-up for email alerts. Many stores release their best Black Friday deals and exclusive coupons to people who have subscribed to their emails. Sign up ahead of the holiday season, and then unsubscribe afterwards if needed.6) Do your research. Read product reviews on extremely discounted items. It could be a cheaper model or brand advertised, and not what was expected. Check BBB.org for Business Profiles of the stores and read what other customers’ have experienced.7) Know the return policy and warranty information.Pass along any information about returns, exchanges, repairs, and warranties to the person who will use the item. Gift receipts are an easy way for recipients to return or exchange a gift if it’s not just right, but make sure the item is able to be returned before purchasing.Visit BBB.org to look up a business, file a complaint, write a customer review, report a scam, read tips, follow us on social media, and more! 2894

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