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Regal announced plans Tuesday for the reopening of its theatres beginning July 10.A release states the reopening plans include a range of new health and safety measures based on health guidelines and feedback from employees and moviegoers.Regal says contactless payment options and sanitizing methods will include:Contactless payment. Along with the ability to purchase tickets in advance on the Regal mobile app, guests will now have the ability to purchase concession items from the app.ULV Foggers. Employees will sanitize every auditorium and seat after each movie using new electrostatic ‘fogger’ equipment. This form of deep sanitization is highly effective in disinfecting all materials with a non-toxic formula that is fast drying.Points of contact will be sanitized on an increased schedule, floor markers will be placed throughout, and the following safety measures will also be put in place:EmployeesRegal employees will undergo daily health screenings including temperature checks where mandated.Employees will be required to wash hands at minimum every 30 to 60 minutes, dependent on job role.Where required by local governance, all employees and guests will wear masks.LobbyGreeters will be located in the lobby to assist guests with new procedural changes.Guests will be encouraged to proceed to their auditorium as soon as possible, and exit the theatre in a timely manner at the conclusion of their movie.Wall mounted sanitizer dispensers will be available on either side of the main entrance.Arcade games and vending machines will remain closed. Additionally, water fountains will not be available for use.Concession StandEvery other register will be closed to maintain social distancing.A reduced menu offering will be temporarily available.Self-service condiment stands will be closed.Refills on large drinks and popcorn will be suspended.Locations featuring diners, restaurants and in-theatre ordering will have these services temporarily suspended.Locations with bars will remain open for walk-up service only.AuditoriumWhere required by state or county mandate, auditorium capacities will be reduced to 50%.Our reservation system will maintain two empty seats between groups (1 seat at recliner locations) to maintain proper social distancing throughout the movie.At theatres where performances are non-reserved, you will be requested to leave two seats between groups.Group sizes will only be limited where required by a state or county mandate.This story was first published by WKBW. 2516

Quora, the popular website where users can crowdsource answers to all kinds of topics, announced hackers gained personal information from up to 100 million of its users.Users account information such as email addresses and passwords may have been compromised.This comes on the heels of a massive data breach of Marriott’s systems, where hackers gained access to the data of 500 million users.It all begs the question: is there something we can do?The answer is yes, says security expert Fred Kneip with CyberGRX. He admits, however, that protecting your information can be frustrating.“Everyone hates changing their passwords,” Kneip says. “No one can keep track of them.”We all have to do it, he says. Kneip also says never use the same password for all your accounts.“If you use the same password over and over, a hacker if they compromise one of those companies—let’s say Twitter or Facebook most recently--but you use that to log in to your office or a bank, what they do is they take that password, that login and password set, and they apply it universally to see where else could that work,” Kneip explains.Suddenly, all your accounts risk being compromised. Kneip says a totally different password for each login is best, but even changing one character at the end will protect you from 90 percent of hackers.So, if you’re bad at keeping track of all your passwords, what can help? Kneip suggests encrypted password-keeping apps like Last Pass and One Password."Very straightforward; they’re free,” he says. “Then, you just have to have one master password that you open back up to.”The good news is, Kneip he believes we won’t need passwords for anything. Instead, our own biometric data will log us in to everything. 1739

President Donald Trump was removed from his evening coronavirus news conference on Monday after a shooting took place outside of the White House complex, Trump confirmed to reporters. Minutes into his briefing, Trump was told to leave his briefing by a Secret Service agent. Trump said he was not taken to the bunker, and just stepped outside of the briefing room.Trump said that a suspect was shot by law enforcement outside of the White House. Trump complimented authorities for handling the incident. The Secret Service confirmed an officer-involved shooting at 17th Street and Pennsylvania Ave. in Washington. The intersection is roughly one block from the White House, and not far from the West Wing section of the White House, where the White House briefing room is located.The Secret Service said that a male subject and a Secret Service officer were both transported to a local hospital. "At no time during this incident was the White House complex breached or were any protectees in danger," the Secret Service said.The Secret Service issued a statement late Monday indicating that a 51-year-old man told Secret Service officers he had a weapon. 1163

President-elect Joe Biden’s proposal to forgive ,000 of federal student debt as COVID relief could erase loan balances for 15 million borrowers and reduce balances for millions more, according to federal data.Broad student loan forgiveness could affect 45.3 million borrowers with federal student loan debt who owe a total of .54 trillion to the government. Wiping out ,000 each — as Biden calls for — would result in up to 9 billion canceled.Seth Frotman, executive director of the Student Borrower Protection Center, says removing the student loans “albatross around their financial lives” could mean the difference for consumers who aspire to buy a house, save for retirement or start a business.“Student loan borrowers across the spectrum — old, young, urban, rural, high-balance, low-balance, Black, white — are hurting with their student loans, and that was before COVID even hit,” Frotman says.For now, Biden’s proposal is just an amount, with no details to answer questions about which loans might be canceled, whether forgiven amounts would be taxed and if borrowers would have defaulted loans removed from their credit history. It also faces huge hurdles politically.But here’s how ,000 in forgiveness could affect some categories of borrowers.For 15 million borrowers, a slate wiped cleanMore than a third of federal borrowers could see their balances fall to zero with ,000 in debt cancelation. Among those, 7.9 million owe less than ,000 in student loans and 7.4 million owe between ,000 and ,000, according to federal data.These are also the borrowers most likely to default on their loans. Over half of those who default (52%) have less than ,000 of federal undergraduate debt, according to an analysis of federal data by The Institute for College Access and Success, or TICAS.That’s because those with lower debt amounts often have not completed their schooling, so they don’t reap the benefits of a degree that leads to a better paying job. Among those who default, 49% did not complete their program of study, TICAS found.Default has severe consequences: It can sabotage credit scores and trigger collection efforts that can include seizure of tax refunds and Social Security payments.Many of these borrowers are current on their payments. For them, forgiveness could help, but it might not be much of a boon to the overall economy, says Betsy Mayotte, president and founder of The Institute of Student Loan Advisors.“If you owe ,000 and your payment is 0 — and that’s a lot of money to a lot of people — but you all of a sudden don’t have to pay 0 a month, I don’t see that 0 being put toward something that will stimulate the economy,” Mayotte says.For 19 million borrowers, some breathing roomThe typical student leaves school with around ,000 in debt, according to TICAS, an amount that can grow quickly with interest if students pause payments or go on repayment plans that allow them to make lower payments.Nearly 19 million borrowers owe between ,000 and ,000 in federal student loans, according to federal data. Without detailed execution plans from the Biden team, it’s trickier to say how these borrowers would be affected.For example, cancellation might not reduce the amount they pay each month, but it could draw their end date closer and lower the total amount they’d pay overall, due to interest. Or it might wipe out one loan completely but leave payments on others intact.For 11 million borrowers, a drop in the bucketHigher income households, as a whole, are the ones that hold the most debt.The high debt/high earner correlation makes sense because those who make more money tend to have more advanced education, according to findings from Georgetown University Center for Education and the Workforce. To get those advanced degrees, students rack up debt in the process.More than 8 million people owe the government between ,000 and 0,000 in student loans. An additional 3.2 million borrowers owe more than 0,000 on their federal loans, data show.A borrower repaying 0,000 on the standard federal 10-year plan at 5% interest would pay off the loans 15 months early if ,000 were forgiven.Forgiveness is still a big maybeThere’s also the question of how loan forgiveness could move forward: Will it be through Congress or executive action or not at all?“If anything can be done by executive action, [forgiveness] could happen very quickly,” says Robert Kelchen, associate professor of higher education at Seton Hall University. “I’m just not sure whether forgiving debt would withstand legal scrutiny.”Experts say any executive action could face lawsuits or be subject to judicial review, which would leave the fate of an order for forgiveness in the hands of the Supreme Court.“There are a lot of conservative judges, so I can imagine that many of them could be hostile to the policy,” says Wesley Whistle, senior advisor for policy and strategy, higher education at the public policy think tank New America.Mayotte said she is doubtful borrowers will see straight forgiveness since the reach of this type of pandemic relief wouldn’t be as broad as, say, providing supplemental unemployment or propping up small businesses.Forgiveness won’t happen before payments restartBiden proposed his forgiveness measure as part of COVID-related relief, but experts say there’s an even more pressing student loan concern that will come to a head before Biden starts his term — the end of the payment pause for student loan borrowers, which is set to sunset after Dec. 31.Doug Webber, associate professor of economics at Temple University, says he’s worried about the pitfalls of going “zero to 60” in one day with reinstating loan payments for a population that isn’t ready.“Once you give people a benefit, it’s always harder to take it back,” Webber says.The payment pause, known as a forbearance, has been in effect since March as part of the first coronavirus relief bill. President Donald Trump extended the relief through the end of the year, but neither the outgoing or incoming administration has committed to extending it again.While borrowers await the fate of forgiveness, they should contact their servicer to get enrolled in an income-driven repayment plan if they won’t be able to afford their payments. These plans set payments at a portion of their income and can be as low as zero if they’re unemployed.NerdWallet writer Ryan Lane contributed additional reporting to this story.More From NerdWallet10+ Student Loan Forgiveness Programs That Discharge LoansFederal Loans Are Paused Until 2021 — Should You Pay Anyway?Income-Driven Repayment: Is It Right for You?Anna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 6765

Remember when we used to make plans? It was so long ago now you may not remember, but we actually used to start booking our holiday travel in the summer before prices rose to unaffordable levels. That’s right: We could predict what the world would be like months in advance back then.Times have certainly changed; now, some travelers are starting to wonder whether and how to plan for the holidays. Does it make sense to buy plane tickets? What about using points and miles? And what are the chances of a second (or is it third?) wave of the pandemic?I’ve spent the last few months wading through COVID-19 travel policies, spreadsheets full of airfare and hotel data and other boring industry effluvia so you don’t have to. And I’ve got a few nuggets of advice for anyone thinking about booking holiday travel.For starters: Why rush?Should I book now?Years of conditioning have taught us all the perils of waiting until the last minute. But if you haven’t noticed, this year is not like the others, and travel demand is unlikely to reach normal no matter what happens in the next few months.In other words: You shouldn’t feel any rush to book travel until you’re ready.In fact, you might end up paying more if you book in advance rather than closer to your travel dates. Recently, I analyzed a bunch of hotel price data and found that the cost of booking the same room dropped dramatically when booking 15 days in advance, compared to booking four months in advance.That is, the same rooms cost an average of 7 when booked within 15 days compared to 2 when booked four months in advance. And while this trend might not hold into the winter or through the holidays, it’s certainly a good indication that you’re unlikely to save money by booking hotel rooms now.The trend isn’t quite as dramatic for airfare, though it’s possibly more remarkable, since booking within 15 days has historically been a recipe for getting fleeced.Which airline should I fly?This one’s easier: Delta.We performed a big analysis of airline policies in response to COVID-19 and found that Delta had the best overall rating, with Southwest and Alaska hot on its heels.I won’t bore you with all the details here, but some of the factors we took into consideration include:Mask policy enforcement.Blocking seats and limiting capacity.Offering flexible change and cancellation policies.This last bit is especially important when booking holiday travel this year: Make sure the tickets you purchase can be changed or canceled without incurring a fee. This has gotten significantly easier with various COVID-19 waivers and four major airlines, including Delta, all announcing the elimination of most change fees. Be aware of restrictions that remain around basic economy fares.What about points and miles?Hotel points and airline miles can usually offer good workarounds for sky-high holiday prices. Notice that pesky “usually.” Since cash prices are so low, using points and miles is unlikely to offer better than average value this year.That doesn’t mean you shouldn’t use miles, just that you won’t get especially good bang for your buck from them right now.Will it be safe?That’s the trillion-dollar question, isn’t it? I’m no epidemiologist, so I’m reluctant to wade into these waters, but there is something important to keep in mind: Where are you planning to travel in December?The Institute for Health Metrics and Evaluation at the University of Washington offers public projections for the pandemic broken down by country and state. These reveal some pretty startlingly different scenarios for different parts of the country.For example, the daily per capita infection rate in California is projected to rise from 42.6 per 100,000 today to 155 per 100,000 by December. New York state in December is projected at 30 per 100,000, up from the current 4.4. Utah’s rate is expected to skyrocket to 179 per 100,000 from today’s 13.5.Of course, these are only projections, and nobody knows what will actually happen by December, but it’s good to keep in mind when planning travel. You don’t want to go from a relatively safe spot into a hot zone (or a hot zone into a safe spot, for that matter).In fact, for everyone’s sake, my personal take is that we should all err on the side of staying home.More From NerdWalletAnalysis: How Have Hotel Prices Changed in 2020 vs. 2019?How to Plan Holiday Travel for Maximum Flexibility in 2020Why Won’t the FAA Require Masks?Sam Kemmis is a writer at NerdWallet. Email: skemmis@nerdwallet.com. Twitter: @samsambutdif. 4542

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