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Back-to-school shopping is an expensive chore in a normal year; this year is anything but normal. But with August upon us, stores are putting out back-to-school displays in anticipation of children needing to learn, whether in the classroom or at home.Two-fifths (40%) of parents with children in K-12 or college anticipate their children will be attending classes in a hybrid environment (both in-person and remote) in the fall of 2020, according to a new NerdWallet survey conducted online July 16-20 by The Harris Poll among over 600 parents. Planning for multiple scenarios could result in the need for increased back-to-school spending, but many may not have the extra money this year.Nearly half (47%) of parents expect they’ll spend less on back-to-school shopping than they otherwise would, due to the coronavirus pandemic, according to the survey. Of them, 40% say it’s because their household income has been affected by the pandemic and related economic effects.On the other hand, one-fifth (20%) of parents expect to spend more this year on back-to-school purchases than they otherwise would, due to the pandemic. Of them, 54% think they’ll be spending more to outfit a home learning environment, and 50% will be spending more to account for supplies for both in-person and at-home learning.“Saving on back-to-school shopping takes some strategizing in a normal school year, but this year poses unique challenges: Not only is it harder to know what students might need, but many families are eyeing big purchases to make remote learning easier, including electronics and desks,” says Kimberly Palmer, personal finance expert at NerdWallet. “At the same time, many families have less room in their budget to make new purchases because of the pandemic.”1. Shop for the short termWhether you’re spending less this year out of necessity or you’re anticipating having to spend more: Buy only what you need. If 2020 has taught us anything, it’s that well-laid plans can change. So purchase what you need to get the school year started and plan to supplement those purchases as the semester unfolds. You may find that some items get less expensive as the seasons change.“Unless you have your eye on a specific type of computer or another item that could sell out, it’s OK to wait to make your purchases until after the school year begins — in fact, that’s when you see many of the best deals,” Palmer says.2. Take advantage of credit card rewardsMore than half (53%) of parents who will back-to-school shop this year plan to use a credit card on those purchases, according to the survey. Putting your expenses on a cash-back credit card could put your money to work for you. You may even reap enough to cover next year’s back-to-school expenses entirely. Just make sure you’re able to pay off the balance each cycle, as interest can quickly negate any benefits.3. Check prices before and after shoppingPrice matching involves comparing identical items at other stores and asking a retailer to match a lower price. The trick may not make sense for a package of pencils, but for clothing, electronics and other higher-dollar items, a successful price match could save you tens of dollars, if not more.Check a retailer’s website for its price matching policy details. Many will also refund the price difference if you spot a cheaper price within a certain time frame after the purchase.4. Team up to buy in bulkRegardless of where your child is learning this fall, they’ll need supplies that other students are also after. By teaming up with other parents, you can purchase things like hand sanitizer and supplies for homework and note-taking in bulk. If your child’s teacher is reluctant to give out parents’ contact information, ask if they would send out yours in a group email so other parents can reach you if they’re interested in group savings.“With many parents focused on at-home learning, you can also find savings by teaming up with other families in your neighborhood on purchases,” Palmer says. “Some communities are forming ‘pandemic pods’ to share the burden of teaching at home and keep kids socialized — pooling school supplies across the pod can spread the expenses and make them more manageable.”5. Shop on tax-free holidaysSixteen states are having sales tax holidays in August 2020. Most of them last through a full weekend, and some even longer. Retailers that offer online ordering for in-store pickup may require you to order and pick up on those particular days to reap the tax-free benefits. The specifics of each state’s holiday vary, but generally, they allow you to purchase certain back-to-school items without paying sales tax.6. Practice and teach thriftinessIf money is very tight, your child might be able to reuse some of last year’s supplies such as their backpack or leftover pencils and notebooks. You can also shop secondhand on sites like Poshmark or thredUP for clothing throughout the school year. And don’t be afraid to ask for help — many schools are putting programs in place that help outfit homes with the technology needed for remote learning.If your child isn’t accustomed to having to make sacrifices like this, use them as a teachable moment. Older kids can learn the complexities of managing a budget, a tool they’ll need in adulthood, and younger ones can learn what saving money means and help you search for the lowest prices.“Some communities are also organizing online volunteer opportunities for high schoolers to help match up with elementary school children who need extra help, which can be a great way to provide learning opportunities to both age groups in a safe, free way,” Palmer adds. “This school year will be unlike any other, which means parents and children will have to get more creative with stretching their back-to-school budgets.”More From NerdWalletWhat to Know Before Laying Down Money for a MattressWhat to Buy (and Skip) in FebruaryHere’s When Everything Will Go on Sale in 2020Elizabeth Renter is a writer at NerdWallet. Email: elizabeth@nerdwallet.com. Twitter: @elizabethrenter. 6071

At Allan Hancock College’s Fire Academy, Battalion 146 recently went through some intense rescue scenarios.“Help a brother out. Come on,” shouted an instructor.The person responsible for training the future firefighters is academy coordinator Andy Densmore, who has been in this industry for almost four decades and is retiring at the end of this year.“There’s nothing you can do about it,” he said. “We have to make the change.”Changes due to COVID-19.Since the pandemic hit, academy class sizes have been cut by a third, cadets are screened before they enter the facilities, they socially distance themselves once they’re in and wear masks when they’re not in face pieces.“The nice part is we asked these kids for their commitment the first day that we meet them and we said, ‘there’s only one variable in this entire program and it’s you,’” Densmore said.As Densmore’s career comes to a close during this crisis, Camila Schafer, class president of Battalion 146, is just starting hers.“Whether it’s a pandemic, it’s a fire, it’s a surf rescue, we’ll answer that call,” she said.Schafer says instructors can control all aspects of a cadet’s day while on campus but once they leave the academy, however, cadets are committed to an individual responsibility.“On weekends, we’re studying. we’re hitting the books,” she said. “We’re making sure that we’re not out there putting our battalion in jeopardy and possibly getting this virus.”Employment of firefighters is projected to grow faster than the average for all occupations across the country, according to the Bureau of Labor Statistcs.While this fire academy is training with new challenges, Densmore believes smaller class sizes could make cadets like Schafer better prepared than firefighters of the past.“We don’t graduate mediocre,” he said. “Our standards are really, really high. And we exceed what the state requires." 1888

AUSTIN, Texas — For Brett Hagler, the co-founder of non-profit New Story, building homes for people without adequate shelter is nothing new."We get a large piece of land and work with families that have been living in shacks or tents without shelter and design a totally new community with the families.”Approximately one billion of the world’s population is without proper shelter.To make a dent in that he says, they have to think outside the mold.“We believe traditional ways cannot get us there.”So for New Story’s next endeavor—adding more communities to the land they’ve already acquired in El Salvador—they teamed up with a brand new startup.That’s where Evan Loomis comes in. He’s the co-founder of Austin, Texas-based Icon, a company focused on new technologies for building homes.Their first big debut came at this year’s South by Southwest festival in their hometown.“This is a gigantic robot,” Loomis says, gesturing toward a large steel frame on wheels. “[It] really does some amazing things. Down to the millimeter it knows exactly where to place building materials.”In this case that material is a proprietary mixture of concrete, that pours out of a nozzle on the underside of the metalwork. And the machine moves along a computerized map to create a house.“This is basically the first permitted 3D printed house in the United States,” he said.“We have to invest in [research and design],” Hagler said. “[We asked ourselves] ‘how do we get a breakthrough in cost, speed, and quality?’ And that’s how we landed upon 3D-home printing. The excitement in the air is palpable as they walk us through and around this modest home built up of about 100 one-inch thick concrete layers.“It’s stronger than regular cinder block,” Hagler said. It also comes at a fraction of the cost of a regular house. This model had a price tag of about ,000 but they hope to get the price down to ,000.“We can build in a fraction of the time [compared to traditional construction methods], and it can have a higher quality, strength, and sustainability for the environment."It was 'printed' in just 48 hours. Eventually, they say it will be done in just a half day. It’s a small but open floor plan — with no physical doors — and rooms are separated by partial walls made up of the printed concrete.They say they’ll easily be able to customize different designs.The prototype home can fit a family of four or five.“If you’re coming from a tent or shack and you move into this,” Hagler said, “it’s a significant life-changing difference.”One of the things they’re most excited about with their upcoming 3D-homes project in El Salvador is the fact that they’re introducing groundbreaking technology to the people who usually see tech advances last.“We are actually bringing them the future -- which is robotic construction of housing — first,” Hagler said. “And they’re really excited about that.”They say they plan to begin construction in El Salvador before the end of the year with the hopes of finishing their first community of homes by early 2019. There could one day be plans for 3D printed homes in some of the poorest areas of the United States as well, Loomis said, but he has his eye set on possibly expanding to terrain that’s literally out of this world.“It could be a really great solution for making space habitation a lot more achievable,” Loomis said. “We hit a nerve with this technology, and we are going to hit the gas hard and try to take it to everybody now.” 3528

At least 200 people were injured in a 6.3 magnitude earthquake that struck near the border with Iraq, Iran's semi-official Fars News Agency reported.Sunday's quake in the western part of the country was about 6 miles deep, the US Geological Survey said.Buildings were damaged in various rural areas in SarPol-e zahab and Qasr-e-Shirin, causing walls of some homes to fall, says Fars.Tremors could be felt as far away as Baghdad. Social media users in the Iraqi capital uploaded videos of furniture moving and chandeliers swinging.The quake was about 12 miles from Sarpol Zahab, Kermanshah province, the USGS said.Iran sits on a major fault line between the Arabian and Eurasian plates and has had many earthquakes.The-CNN-Wire 734

At the Jupiter Inlet in Florida on Sunday, a young girl was swept off the jetty and into the water by a fierce wave.Tom Gaffney shot video of the incident at 9 a.m.Video shows a strong wave crash into the little girl, forcing her under the guardrail and into the sea.People quickly rushed in to pull her from the water. She suffered a cut to the head, along with some scrapes and bruises but is expected to be OK.   448