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HOG MOUNTAIN, Ga. — A Georgia mother has gone viral after she posted a photo of her son shopping at Goodwill on Facebook, explaining that she was teaching him a lesson about money.According to Cierra Brittany Forney's Facebook post, her 13-year-old son had been acting "a little... entitled" recently. "Acting like he's too good to shop at Wal-Mart or making snarky comments about kids at school who shop at the Goodwill and quite a few other things," her post reads.Forney says she doesn't tolerate that. As a result of her son's behavior, she took him to Goodwill and made him use his own to buy clothes to wear the entire week to school."I want to teach my kids that money isn't everything and if you have to degrade other people because of where they shop, then you too will shop there," she said.Her post has received praise from parents all around the nation and has been shared nearly 250,000 times.In a separate Facebook post, Forney explains that she did not share the photo to shame her son, but rather to teach him that money and name brands don't change who people are. She also explains that she shared the post with her son's permission. "He was completely fine with it and still is," she said. "My son and I have an amazing relationship.""My son learned a valuable lesson from this and I believe it is just another story we can add to our lives memory to look back on," she said. "I did this to teach him that money and name brands don't change who we are as people. He can still be the amazing, adorable, loved kid that he is WITHOUT the expensive stores!"She also explained that she loves Goodwill because of the incredible deals she has found there."I SOLELY did this to help my son become a better man," she said. "My son is completely 100 percent okay with what happened. My son has learned a valuable lesson from this AND my son is rockin' his button up shirt he bought from the Goodwill with PRIDE today!" 1959

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

Gina Haspel was confirmed Thursday to be the first female director of the CIA with the help of votes from a half-dozen Senate Democrats.Haspel was confirmed in a 54-45 vote, the culmination of a roller-coaster nomination that appeared to be in danger at several points after she was abruptly selected by President Donald Trump in March.Three Republicans opposed Haspel's nomination: Sens. Rand Paul of Kentucky, Jeff Flake of Arizona and John McCain of Arizona, although McCain did not vote because he's battling brain cancer at home.But Haspel secured enough votes to win confirmation with the backing of six Democrats, including Virginia Sen. Mark Warner, the top Democrat on the Senate Intelligence Committee.Most of the Democratic votes in favor of Haspel came from senators who are up for re-election in November in states that Trump won in 2016, including Sens. Joe Manchin of West Virginia, Joe Donnelly of Indiana, Heidi Heitkamp of North Dakota and Bill Nelson of Florida.Sen. Jeanne Shaheen of New Hampshire also voted in favor of Haspel's confirmation.Democrats who backed Haspel pointed to her 33-year CIA career, 32 years of which was spent undercover, as well as her broad support from former intelligence officials, including many senior Obama administration officials."Gina Haspel is among one of the most qualified people to be nominated to be director of the CIA," Warner said. "I feel safer knowing the CIA has Miss Haspel at the helm. ... I believe Gina Haspel should be confirmed. I look forward to supporting her."But Haspel faced a barrage of criticism from some Democrats and human rights groups after she was picked in March to succeed Mike Pompeo as the nation's top spy, over her role in the George W. Bush administration's detention and interrogation program.The criticism came on two fronts: Haspel ran a CIA black site in Thailand in 2002 where detainees were brutally interrogated with tactics that critics say is torture. And she drafted the cable that her boss sent to destroy dozens of CIA interrogation tapes in 2005.RELATED: CIA releases memo clearing Haspel over destruction of waterboarding tapes"What I can say is her classified comments about her background have been as troubling as her public testimony," Democratic Sen. Ron Wyden of Oregon, a member of the Senate Intelligence Committee, said on the Senate floor Thursday.The attacks on Haspel's record made Trump administration officials nervous about her nomination, especially after Paul announced his opposition, which meant Democrats had the ability to block Haspel's confirmation.Alternatives to Haspel were tossed around within the administration, and Haspel herself offered to withdraw ahead of her confirmation hearing.But the White House pushed forward on Haspel, and in her confirmation hearing last week she did enough to secure votes from Democrats who were on the fence, even as she repeatedly danced around questions about whether she thought the Bush-era interrogation program was immoral.Senate Intelligence Chairman Richard Burr, a North Carolina Republican, said that Haspel has "consistently proven herself as a strong leader" on the Senate floor Thursday.Haspel took one more step this week to get wavering Democrats on her side, sending Warner a letter on Tuesday in which she acknowledged that the interrogation program did damage to the CIA and should not have been conducted, which she didn't say in her public hearing.Haspel's critics argued she still wouldn't say if she thought the interrogation program was immoral. And they expressed frustration that the CIA -- and Haspel herself -- refused to make public a full accounting of her CIA career and her role in the interrogation program.They argued that the CIA selectively released details publicly about Haspel's career -- like the 2011 internal CIA report that cleared her of wrongdoing in the tapes' destruction -- in order to bolster her nomination.The CIA did make classified materials about Haspel's record available to senators. But several of her opponents pointed to the fact that the Justice Department's report from the special counsel who investigated the destruction of the tapes was available only to senators on the Senate Intelligence Committee, and not the full body."My questions about Ms. Haspel's role in the destruction of videotapes relevant to discussions occurring in Congress regarding the program have not been adequately answered," Flake said in a statement announcing his opposition.Burr, who argued that the report shouldn't have been made available to the Senate at all, said the CIA declassified everything that it was able to."She has earned the respect of the agency workforce, of her peers, of Republicans, of Democrats, of military officers, of civilian security leaders, evidenced by the number of letters received in support of her nomination too numerous to read," Burr said on the Senate floor.The-CNN-Wire 4925

Here's a map of the amount of time spent in the 5-day NHC forecast cones so far in 2020.Louisiana has had a cumulative of THREE WEEKS in the cone this year!And now we have TD 28 tracking toward the same area. pic.twitter.com/dX4J9w6n2z— Sam Lillo (@splillo) October 25, 2020 282

HIGHLIGHTS OF THE ACT:- ,200 stimulus checks for the same group of Americans who received a check in the spring - 6 billion in funds for schools to hire staff and conduct social distancing- Replenishing the Paycheck Protection Program, intended to help businesses keep employees on payroll- Extending unemployment supplement, although at a lower amount- Liability protection for businesses reopening amid the pandemicSenate Majority Leader Mitch McConnell said that Senate Republicans will submit a series of bills tonight known as the Health, Economic Assistance, Liability Protection and Schools (HEALS) Act.McConnell, who called out Democrats for “stonewalling,” had not taken up a stimulus bill passed by House Democrats in May. He urged Democrats to join in negotiations.“We have one foot in the pandemic and one foot in the recovery,” McConnell said Monday calling the timing of the legislation a “crossroads” for the country.The HEALS Act will include a second round of stimulus funds for the same group of Americans who received the last stimulus check. The previous economic stimulus check was ,200 for most American adults making less than ,000 per year. McConnell said there will be additional assistance for those caring for adult vulnerable dependents.The HEALS Act will also include replenishing Paycheck Protection Program funds, which were given to businesses to help keep employees on payroll during the height of the pandemic.The act will also include a supplement for unemployment, which ran out last week. Since the spring, the federal government provided a 0 per week supplement to unemployment checks. But there is still a disagreement on how much this supplement should be, as President Donald Trump and some Congressional Republicans complained that the supplement gave an incentive to lower income employees to not return to work.Schumer said that the Republican proposals do not go far enough, and criticized McConnell for not submitting a single bill, but instead a series of proposals.“The Republican proposal will ignore not one or two or three but scores of major crises in America right now,” Schumer said. “In addition, based on what the leader has said, the Republican proposal won't go nearly far enough, even if the pieces they try to do something with, the small number, the disparate number, the unaggregated number, since each piece seems to be separate because they can't seem to get agreement among themselves.”The issue, Schumer says, is that the White House has its own set of proposals its ready to outline. But it appears on an issue concerning most Americans, a second stimulus check, there is agreement among Congressional Democrats, Republicans and the White House.“There's a ,200 check coming. That is going to be part of the new package,” White House economic adviser Larry Kudlow said on CNN’s “State of the Union.But neither Schumer nor McConnell addressed a rapidly growing deficit, as revenue into the IRS has declined while expenditures go up. In the month of June along, the federal deficit was 3 billion. Overall, the federal deficit for the first nine months of fiscal year 2020 was .7 trillion.Before this year, there has never been a budget deficit of more than .4 trillion in the US. 3275

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