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Millions of people who are working or those hoping to return to work soon are depending on childcare. However, the industry is ringing the alarm, warning that most childcare providers are on the brink of closing permanently.“The fixed cost in these small businesses is so high that you are already running at very close margins and then with COVID, that pushed everything over the edge,” said Serah Kaiel.Kaiel has owned and run a small day care, Little Thinkers Montessori in New York City, for nine years. In March, her enrollment dropped by almost 80%, while her cost to stay open went up substantially.“It is like 0 to ,000 per child extra per year,” said Kaiel. "Like for the PPE, for the cleaning products, for all the things that go into keep it as safe and the best practices.”After operating in the red for six months, most providers are now coming to terms with the reality that staying open may not be a possibility much longer.“I represent women of color, I represent single mothers, and we are working on the front lines in this pandemic and we have the most to lose with the least amount of resources available to us,” said Kaiel. “There are moments when it is really scary.”A recent survey done by the National Association for the Education of Young Children shows that without some government aid, roughly 50% of childcare providers throughout the country could close permanently by the end of fall.Experts point out such a substantial loss of childcare could force more people out of the workforce. Low-income workers and women would be disproportionately affected.“It has this massive impact on the economics of communities. It has this massive impact on the economics of society, on women having the same opportunities that men do,” said Rhian Allvin. "It has a ripple effect that is really dramatic."Allvin is with the National Association for the Education of Young Children. NAEYC is calling on Congress to act and allocate billion for the industry in the next stimulus package.“We have really strong Democrat support. We have really strong Republican support. So right now, the hold up in Congress I don’t think is childcare,” said Allvin. "But young children and our field will suffer if they don’t get a stimulus package pass between now and the election.” 2298

Lumber stocks are at a historic high. We haven't seen these numbers since the 2008 housing boom and then crash. Experts say that's in part because of the housing market and record low mortgage rates.2020, the unprecedented year where nothing goes as expected, has brought us what realtors call a "sellers' market"."There’s plenty of buyers in the marketplace, but not enough supply so what we are seeing is multiple offers happening frequently on mid-price homes. So heavy competition in the marketplace.” Dr. Lawrence Yun, chief economist for the National Association of Realtors, said.The country's largest trade organization has 1.4 million members who help people buy and sell homes. Dr. Yun says the nation's housing market has even surpassed pre-pandemic sales. He attributes a lot of that to low mortgage rates and people realizing that working from home means they need more room.“Because of the strong demand for housing and we have a shortage of homes in the marketplace, so whatever home builders build, they can find a buyer so they build more homes. But one of the constraints is lack of construction workers along with the material cost that goes into construction, such as lumber,” says Dr. Yun, who also pointed out the country's underproduction.“Home builders have been producing below historical average for 10 straight years and the cumulative effect of underproduction is we don’t have sufficient inventory and that is the reason why home prices are rising and we need to build more homes to get into balance,” added Dr. Yun.Which is why, Laura Gonzalez, associate professor of Finance at California State University Long Beach, says we're experiencing a supply and demand situation when it comes to wood.“We just don’t have enough wood,” Gonzalez said. “It's difficult to make it ready and then transport it because of the pandemic. It's not that the industry is changing its just that we have had a shift both in supply and demand.”Gonzalez also says it's the basic equation of high demand meaning lower supply, which sends prices up and stocks soaring. Then there's the factor of where our wood comes from. She says, “We import some of our lumber from Canada both from lumber and other products. If we depend on other nations, we are more susceptible to changes in supply.”So, what comes next?“The issue of supply versus demand is going to correct in two years, but the opportunities for climate finance are ongoing that is not going to finish,” Gonzalez said.Which is why Dr. Yun says home prices will hold firm, and if you're waiting for a ‘burst’ or for prices to decrease, you might be waiting a while.“In future years, mortgage rate will certainly rise and that will choke off some of the demand, but hopefully we have adequate supply so we have a more balanced market condition where prices rise in manageable, 3-4% each year and people will feel comfortable at that rate of price appreciation,” says Dr. Yun.Dr. Yun recommends if you want or need to buy, don't overstretch your budget as the competition is fierce out there. If you want to sell, don't get greedy and overprice because your home will get stuck on the market. It's yet another aspect to this odd year that has brough the unexpected to us all. 3245

Many animal shelters are worried the economic impact of the COVID-19 pandemic will cause a surge in pet surrenders, a stark contrast from when shelters saw record fostering and adoption rates four months ago."What we've seen since then is that the number of total dogs and cats that have come into shelters and rescues across the country has continued to decrease compared to the levels of 2019. So, fostering has stayed high but we just have fewer animals that we’re trying to get into foster care than the shelters had to last year," says Lindsay Hamrick with the Humane Society of the United States.Hamrick says animal control centers that shut down during the start of the pandemic are now back up and operating, but are still being selective about which animals need to be picked up."Intakes are still about 40% down compared to 2019 for both cats and dogs," says Hamrick.Valley Oak SPCA in Visalia, California, saw a record number of adoptions in June, nearly double what they had last year. But executive director Lydia House says they're concerned about the impact the economy will have in the coming months."We had a couple surrenders that said, 'I haven’t been able to feed my dog in three days. I have no money. I’m being evicted.' We did have some senior citizens who wanted to surrender their pets because they were afraid they were going to get [COVID-19] and not be able to take care of their pets," says House.The Humane Society of the United States has been closely following states that are lifting their eviction moratoriums as those states may see a boost in pet surrenders and strays."Surrenders that are related to evictions to not having enough money to be able to afford veterinary care - all of the pieces that come along with an economic downturn," says Hamrick.Overall, many shelters report with so many people working from home, adoptions and fostering of animals are still high. So the Humane Society of the United States is now urging animal lovers to think beyond shelter animals and focus on a neighbor or friend who may be going through a tough time."When someone loses their house or apartment, it's going to take months or even a year to find pet friendly housing again. So we’re really doing a push that people who are interested in fostering and had a good experience during the pandemic with taking care of other pets, to consider doing that for your neighbors. That way, possibly in the future, there can be a reunification of the pet with the family that they were separated from because of the economic issues," says Hamrick.Right now, more than half of states nationwide have lifted their eviction moratoriums. The Humane Society of the United States recommends supporting your local animal shelters as much as possible during this time to help get them and the animals through any economic hardship. 2850

Madonna announced Tuesday that she is writing and directing a biopic about her life and career.The singer said in a press release that she is co-writing the script with Oscar-winning screenwriter Diablo Cody.“I want to convey the incredible journey that life has taken me on as an artist, a musician, a dancer – a human being, trying to make her way in this world,” said Madonna in the press release. “The focus of this film will always be music. Music has kept me going, and art has kept me alive. There are so many untold and inspiring stories, and who better to tell it than me. It’s essential to share the roller coaster ride of my life with my voice and vision.”The film will look into the Material Girl's rise to fame as an international music star.Universal will distribute the biopic, the press release stated. 826

Millions of out-of-work Americans are being surprised by new information. The 0 a week they were relying on receiving through the end of July is set to end a week earlier than they expected.“That is one week less of payments than families get. That is huge. That is the difference between being able to make a car payment, make your rent, put food on the table,” said Heidi Sheirholz.Sheirholz is a former chief economist with the Department of Labor and the current senior economist at the Economic Policy Institute and explained why the CARES Act supplemental is ending so soon.“What it says in the legislation essentially is that it ends on July 31 and we all thought, you know, the end of July, but when you look at the very specific language, what it says is that the last payment will be on or before July 31,” said Sheirholz.Basically, July 31 is a Friday. State unemployment systems end their week on the weekend and pay only full weeks. So, the last full week for a payout will be on July 26. Most states had listed July 31 as the final payment on their respective state’s unemployment website and have scrambled in recent weeks to clarify and adjust the date."It’s just going to create enormous hardship,” she added.Many people will more suddenly go from about ,000 a week in total unemployment benefits, to only whatever their states’ normal unemployment benefits are, which on average is about 5. However, it’s not too late for Congress to act and extend the 0 supplemental. Economist, like Sheirholz, hope they do.“That extra 0 per week for people who are getting unemployment insurance is supporting spending of millions of people and that supports the broader economy,” said Sheirholz. “We estimate that if the 0 additional UI payment is allowed to expire this country will lose over 5 million jobs over the next year.” 1859