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The latest stimulus package passed by Congress is one of the longest bills to be pushed so quickly through the Senate and the House. The final bill was handed to lawmakers just hours before they voted on it.“This bill is too long, too complicated,” said Thea Lee, president of the Economic Policy Institute (EPI).EPI expects the 0-billion package will provide an instant jolt to our economy by extending unemployment benefits and enhancing them by 0 a week. It also includes a 0 stimulus check for millions of Americans and billion for housing and eviction protection.There are hundreds of billions of dollars for Paycheck Protection Program loans, intended for small businesses. However, those touted benefits only take up a couple of pages in the nearly 5,600-page bill."There are things in there that don’t belong in there,” said Lee.In fact, as more experts and government watchdog organizations start to sift through the stimulus bill, which was also tied to an ominous spending bill, the list of non-pandemic related funding and measures grows.“Some of it is things like horse-racing commissions [funding] and so on, but some of it shouldn’t be in there because it is helping either people or businesses that don’t need the help,” Lee explained.For example, there’s a tax break on alcohol, and Lee pointed out the alcohol industry is one that has actually thrived during the pandemic. Legislators also included a tax break for what has been dubbed the Three Martini Lunch.“It’s a deduction for business people who are having expensive lunches out. That has been extended in this bill,” said Lee. "That is not the best way, the most targeted way to help the restaurant industry.”For all of the non-pandemic-related measures squeezed into this latest deal, there is a surprise in what did not make it in.“The most important thing that is not in the stimulus bill is aid to state and local governments,” said Lee. "If they don’t get enough aid from the federal government, they will have to start laying off workers.”Another thing not in the stimulus bill was an extension on the student loan payment pause. Many student loan borrowers will have to start repaying loans in January and interest will begin accruing again.There is also, notably, no transparency requirement tied to small business PPP loans. Watchdog organizations, like U.S. Public Interest Research Group, have been calling for it for months, given all the issues seen with the first round of PPP loan funding."The Department of Justice has actually indicted 57 people so far from stealing over 5 million from the PPP loan program,” said RJ Cross with U.S. PIRG.Also, lawsuits filed by several news organizations forced the Small Business Administration to reveal more names of companies that have received the forgivable loans. The result has shown that most of the PPP loans issued in the first round, more than 0 billion, went to larger than intended business. The smallest businesses, in which the loans were intended for, actually struggled to get the funding they needed.U.S. PIRG has fought for months to get transparency requirements tied to PPP loan money to prevent further fraud and corruption in the program, and the group was surprised that was not included in this latest stimulus package.“If folks are very clear on the fact that information about their loans, their application, and their businesses will be made public, it helps to deter a lot of fraudsters in the beginning,” Cross added. “Congress largely squandered that opportunity to strengthen those measures that would increase public trust in the PPP program.”Congress is expected to immediately begin working on yet another stimulus bill in January and could address some of the concerns with this latest bill."I hope that Congress can come back in 2021 and take up the elements that are missing from this bill,” said Lee. 3894

The pandemic is having an impact on the mental health of many Americans. Young people are particularly feeling this with changes in learning and missed milestones.In a new survey of 14 to 24-year-olds, Mental Health America found 24% of those surveyed think training adults would help with their mental health challenges.About 47% said they want to learn more about how to help their own mental health, which is what one new program developed during the pandemic is trying to do.“What we're hearing is that young people are depressed, that they have very little hope for the future, and they want skills to be able to help themselves and their peers,” said Martin Rafferty, CEO and founder of Oregon-based nonprofit Youth Era.The program Uplift by Youth Era is a five-day event and training that is free for young people.“It’s giving them the skillsets to take a look around in their community and say I can be a part of change. I can help things even in this dark time,” said Rafferty. “You're not alone, and you are powerful and capable of making a difference.”The training includes identifying signs of distress, building coping skills to use during the COVID-19 pandemic and beyond, and learning about self-care.Oxford is studying the program and says so far, the results have been positive.The people behind the program say teens have told them it feels more like an event than going to Zoom school.If you know a young person who would benefit from this, they can get more information here. 1503

The Navajo Nation is a sprawling part of the country, where Americans face challenges that many may find hard to believe exist in the United States.“The unemployment rate is 50-60 percent," said Ethel Branch, who has experienced those challenges firsthand.Branch was born and raised on the Navajo Nation.“I grew up on a ranch. We didn’t have running water or electricity," she said.The Navajo Nation is the largest Native American reservation in the United States. The reservation is roughly the size of West Virginia and reaches into Arizona, New Mexico, and Utah.The novel coronavirus has hit this area as hard as anywhere in the country. The virus is spreading uncontrollably in 75 communities on the reservation, according to the Navajo Department of Health.“The magnitude of need in our communities is significant," Branch said.She has been trying to meet that need since March with what started with a GoFundMe page."Early on, we were thinking really small, you know, like let’s help like five families for two weeks and hope that the pandemic is contained within two weeks," she explained.But as the pandemic went from weeks to months, The Navajo Hopi Families COVID-19 Relief Fund grew to so much more.“I would say we’ve raised about .5 million at this point," Branch said.They've now established a non-profit called Yee Ha'ólníi Doo, where people can donate and learn more about efforts to help people on the reservation during the pandemic.The money pays for a variety of necessities, including PPE, cleaning supplies, boxes of food that can feed a family of four for two week and materials to keep people informed on the virus. Additionally, it will provide water in a place where it can be a luxury, especially right now."A third of our communities of Navajo and Hopi don’t have running water, and so, asking people to wash their hands frequently is asking them to make a decision between drinking water and water to feed their animals and water to wash their hands with," Branch said.Branch says they’ve helped 48,000 Navajo and Hopi households so far, but at a cost of 0,000 a week, the millions they’ve raised is not enough.“We have enough to get to the end of December, and I think we’re making headway and we’re getting through the first part of January," she said.They hope to raise an additional more than million to keep their operation going through the end of the pandemic as numbers on the reservation rise, in both cases and deaths.While challenges are nothing new to Navajo and Hopi people, neither is a spirit of fighting beyond them.Branch went from growing up on that ranch without water or electricity to graduating from Harvard and becoming the Navajo Nation’s Attorney General from 2015 to 2019.Now, as this pandemic poses a new challenge, Branch is fighting to make sure her community makes it through.If you’re interested in contributing to the fund, click here. 2911

The police officer who fatally shot 12-year-old Tamir Rice in Cleveland four years ago was recently hired by a police department in eastern Ohio, CNN affiliate WTOV-TV reported, citing the department's police chief.Timothy Loehmann is one of six new officers hired in the Village of Bellaire, about 65 miles southwest of Pittsburgh. The town on the Ohio River has a population of about 4,170.Bellaire Police Chief Richard "Dick" Flanagan told WTOV that Loehmann applied to several police departments and still wanted to be a police officer."He's not quitting on being a police officer. He made a decision (in 2014) that's going to stay with him the rest of his life," Flanagan said. "Like anybody else, if you make a mistake, someone's got to give you a second chance, give someone opportunity. There is no worry, I stand behind this officer ... I'll stand behind this officer like I will any of my officers."CNN's efforts to reach Flanagan during the weekend were not successful.Rice family attorney Subodh Chandra said on Twitter that Tamir's mother, Samaria Rice, feels that "Loehmann doesn't belong on any police force anywhere & shouldn't be foisted upon the citizenry anywhere.""But she hopes that this does mean he will never return to Cleveland," Chandra's tweet read. 1288

The holiday season is here, but it’s likely that your traditions won’t be quite so traditional this year. The coronavirus pandemic has impacted many facets of our lives, and the holidays are no exception: More than two-thirds (68%) of Americans who had December holiday travel plans say these plans have been affected by the pandemic, according to a new NerdWallet survey. Another 22% say they aren’t sure yet if their plans will be impacted.In the NerdWallet survey of more than 2,000 U.S. adults conducted online by The Harris Poll, we asked how their December holiday travel plans have been affected by the pandemic. Of those still traveling for the holidays in December — referred to as “holiday travelers” throughout — we also asked about planned primary lodging and transportation.Key findingsCOVID-19 will keep many from loved ones: Among Americans who say their December holiday travel plans have been impacted by the pandemic, 2 in 5 (40%) say they usually travel with or visit friends and family, but this year they won’t. Additionally, 27% usually drive out of town but won’t this year, and 17% say the same about flying somewhere during the holiday season.Far fewer Americans plan to travel this year: Just 24% of Americans plan to travel out of town for the December holiday season in 2020, compared with 75% who did so in 2019. An additional 17% aren’t sure yet if they’ll travel for the holidays this year.Travelers opt to stay closer to home: Of those planning to travel out of town this year for the December holidays, more than half (56%) say their plans were impacted by COVID-19. A quarter of those affected (25%) say while they usually travel farther from home, this year they’ll stay closer.Most holiday travelers plan to drive: Driving is the most popular primary mode of transportation (68%) for 2020 holiday travelers. This is down from 81% for 2019 holiday travel.Staying with loved ones is still the most popular lodging option: About 2 in 5 holiday travelers (38%) plan to primarily stay at the home of a family member or friend this year. This was true of about the same proportion (37%) of 2019 holiday travelers.COVID-19 alters holiday travel plansNo matter what holidays you observe in December, celebrations may look different this year because of the COVID-19 pandemic. Of Americans who say their holiday travel plans were impacted by the pandemic, 2 in 5 (40%) say that while they usually travel with or visit friends and family members, this year they won’t. More than a quarter (27%) usually drive somewhere out of town but won’t this year, and 17% usually fly somewhere but won’t this year.What you can do: Avoiding travel altogether is the safest course of action as COVID-19 cases surge across the country. It’s been a difficult year, and not being able to spend time with friends and family is a big part of that, but the best way to protect yourself and the people you care about most is staying home this holiday season.“This holiday season looks very different from years before. It’s hard to not travel, but staying home helps keep you and your loved ones safe,” says NerdWallet travel expert Sara Rathner. “If we each do our part, maybe Christmas in July will become a real way to celebrate belatedly in person.”Large drop in number of holiday travelers this yearAccording to our survey, three-quarters of Americans (75%) traveled out of town for the December 2019 holiday season. In 2020, just 24% of Americans are planning December holiday travel, and another 17% were unsure when asked in the first week of November.More than half of holiday travelers (56%) say their plans were impacted by COVID-19. Almost a third (31%) say their plans weren’t impacted, and 13% weren’t sure at the time we asked. Of those travelers who say their plans have been impacted, some of the biggest changes are traveling closer to home than usual (25%), driving their personal vehicle when they usually fly (23%) and spending less time away from home than they normally would (23%).Parents of children under 18 are more likely to plan on out-of-town December holiday travel this year than Americans without minor children (37% vs. 18%). Most (68%) of these parents’ travel plans were affected by COVID-19, with 27% saying they usually travel farther from home, but this year they’ll stay closer.What travelers can do: If you’re traveling out of town this December, make sure you’re up to date on the guidelines from the Centers for Disease Control and Prevention, or CDC, for traveling safely. These guidelines can change rapidly, so stay abreast of any new developments through the dates you’re planning to travel.“A number of states increased restrictions before Thanksgiving, so if you’re traveling to another state, it may look very different there than it does at home. Plan ahead so you can follow the rules,” Rathner says. “Pack enough masks and find out which local businesses may be operating on limited hours. If you plan to get a COVID test, availability is limited in some areas. You don’t want to leave these arrangements for the last minute.”Most holiday travelers will drive and stay with friends or familyMost holiday travelers (68%) plan to primarily drive to their destinations this year, which was also the case in 2019, when 81% say they drove as their primary transportation. The percentage of holiday travelers flying as their primary mode of transportation is up this year (24% vs. 12% in 2019), but that doesn’t mean more Americans are flying. Since fewer U.S. adults are traveling overall, that’s less than 15 million Americans flying, compared with last year’s almost 23 million flyers. [1]Primary lodging plans mirror last year’s: For 2020, 38% of holiday travelers plan to primarily stay at the home of a friend or family member. In 2019, 37% of holiday travelers say they primarily stayed at a loved one’s home. The second most popular primary lodging choice in both years was a hotel or motel (28% in 2020, 25% in 2019).What travelers can do: Keep your travel plans as flexible as possible, in case the pandemic upends them in the eleventh hour. Don’t worry about booking early to get the best price. 2020 is an unconventional year, and if you do opt to travel, you’ll probably find that costs are lower than in holiday seasons past.“You need a Plan A, B, C and D for holiday travel this year,” Rathner says. “When you book anything, know what the airline, hotel or car rental companies’ policies are for cancellations. It’s not so much about finding deals now, it’s about being able to back out of your plans if necessary.”MethodologyThis survey was conducted online within the United States by The Harris Poll on behalf of NerdWallet from Nov. 4-6, 2020, among 2,055 U.S. adults ages 18 and older, among whom 1,537 traveled out of town for the December 2019 holiday season and 508 plan to travel out of town for the 2020 holiday season. This online survey is not based on a probability sample and therefore no estimate of theoretical sampling error can be calculated. For complete survey methodology, including weighting variables and subgroup sample sizes, contact Brittany Benson at bbenson@nerdwallet.com.[1] Calculated using U.S. Census Bureau population estimates from July 2019 and NerdWallet survey data on December 2019 holiday travelers who primarily flew and December 2020 holiday travelers who plan to primarily fly.More From NerdWalletHow to Make Use of the Points and Miles From a Deceased Family Member’s Account10 Tips for Winter RV Road TripsHow to Maximize Travel Rewards on Holiday Spending This YearErin El Issa writes for NerdWallet. Email: erin@nerdwallet.com. 7649