How to Avoid an Eviction If You Can’t Pay Rent

How to Avoid an Eviction If You Can’t Pay Rent

Even though President Trump’s recent executive order promised an extended eviction moratorium and $400 a week in unemployment benefits, it…did not actually do either of those things.

“The most important message right now that people need to understand is the executive order is not an eviction moratorium [emphasis added],” says Deborah Thrope, Deputy Director of the National Housing Law Project (NHLP). “It does not place any limits on landlords, public housing authorities or courts to not evict tenants. It provides absolutely no protection to renters.”

The CARES Act put a pause on evictions and protected renters from late fees, but it expired on July 24. We’re now in the 30-day buffer before landlords are able to proceed with evictions on August 24 if previously protected tenants can’t pay their rent. And despite federal protection, almost half of renter households were already facing cost burdens before COVID-19.

“Without swift intervention, the pandemic’s ramifications on renters will be especially catastrophic,” says Lavar Edmonds, a research specialist with the Eviction Lab.

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According to recent paper published by the Aspen Institute, of the approximately 40 million people who could be at risk of eviction in the coming months, the moratorium only applied to renters who participate in federal housing assistance programs or live in a rental property with a mortgage that is federally backed. That’s less than half of the total renters across the country.

“Reductions in unemployment benefits and the expiration of eviction moratoriums will only make matters worse,” Edmonds says.

Here’s what to do if you’re facing an eviction

1. Consult a lawyer about the eviction status in your state

There are additional state and local bans trying to fill the moratorium gap, but protections are still uneven across the country. 43 states and Washington, D.C. have set their own eviction bans, though many are set to expire soon.

“The question of what protections apply to me as a tenant is really challenging. It depends very much on where you’re located, what kind of housing you live in, even the type of mortgage your landlord has,” Thrope says.

[ Read: Where to Find Financial Relief During the COVID-19 Pandemic ]

She suggests the first thing any renter should do is talk to a local lawyer who may be familiar with protections in your state. If your budget won’t allow for the additional bill, local legal services can help you find what you need to know.

Aside from differing renter protections, how many tenants are at risk of eviction varies widely across states. Unsurprisingly, places like California and New York have the most number of people at risk for eviction. While less-densely populated states like New Hampshire and North Dakota are on the lower end of the spectrum.

Here are the five states with the highest number of eviction risks

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Source: The Covid-19 Eviction Crisis: An Estimated 30-40 Million People in America Are at Risk / Aspen Institute  

2. Talk to your landlord

After you’ve done your research, take the time to revisit the terms of your lease. Check the fees and penalties charged for late payments. Then talk to your landlord and see if they’d be willing to make an arrangement that fits your current situation.

Unless you have a pre-existing track record of not paying your rent, you’ll hopefully find that your landlord wants to keep you in their property by offering flexibility. Remember, 22.7 million of the 48.5 million rentals on the market are owned by “mom-and-pop” landlords. The key is to contact them as soon as possible, instead of waiting until a week after rent is due.

3. Look into rent assistance programs

If your state doesn’t have a specific ban on evictions, there are local rent assistance programs for pandemic relief that you can turn to. Pamela Atwood, Director of the Housing Policy for the North Carolina Housing Coalition suggests that renters shouldn’t panic.

“Many localities have begun to offer rental & utility assistance,” Atwood says. “They may be able to help with immediate resources for getting caught up on payments. The state has also dispersed funds to Community Action Agencies (CAA) across the state that can be used to cover rent, utility and mortgage payments.”

Local social services organizations can help point you towards tools like emergency rental assistance or food banks, which can help you increase funds to cover rent.

  • National Low Income Housing Coalition— Renters can view local rent assistance programs, as well as frequent updates or changes in each state.
  • JustShelter.org —This nonprofit connects renters facing eviction with organizations that can help.
  • DoNotPay — Offering a financial relief tool, renters can easily access rent and eviction law resources that apply to their state.
  • 211.org— A nonprofit organization, 211.org connects people in need with services and pandemic assistance based on their location.
  • The Eviction Lab — Renters can find an updated list of state-by-state protections and when those protections expire.

Too long, didn’t read?

The job loss caused by COVID threatens to spark a rapid escalation of evictions across the country that will long outlive the pandemic. As the end of the 30-day grace period following the CARES moratorium draws near, the administration’s long-term plans aren’t clear, so if you’re concerned about a potential eviction, take proactive steps as soon as you can to find support.

Keep reading

Experts cited

Deborah Thrope

America

Deborah Thrope joined NHLP as a staff attorney in June 2013. Deborah’s work focuses on policy advocacy to preserve federally subsidized housing and tenants’ rights in the Section 8 Housing Choice Voucher and Public Housing programs. Deborah also collaborates with state and national policy leaders to develop strategies to expand housing opportunities for people who have come in contact with the criminal justice system.

Lavar Edmonds

Aspen Institute

Lavar Edmonds is a research specialist with the Eviction Lab. Guided by experiences as a high school math teacher, his research centers around inequality, particularly in education. His current research explores the impact of teachers from Historically Black College and Universities (HBCUs) on student achievement. As part of the Eviction Lab team, he is interested in studying the intersection of housing policy – namely, causes and consequences of housing instability – with education policy.

Pamela Atwood

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Pamela Atwood is the Director of Housing Policy for the North Carolina Housing Coalition. Pamela comes to the Coalition with a background in policy advocacy, sustainable development, urban planning and real estate. She holds a B.A. from the University of California, Los Angeles (UCLA) where she studied Public Policy and Psychology. She is also a LEED Accredited Professional (BD+C) and holds a real estate broker’s license in North Carolina. Follow Pamela on Twitter.

We welcome your feedback on this article. Contact us at inquiries@thesimpledollar.com with comments or questions.

The post How to Avoid an Eviction If You Can’t Pay Rent appeared first on The Simple Dollar.

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If you’re heading to Walgreens this week, be sure to check out their backpack section for Buy One, Get One Free Backpacks!

Prices start at just $7.99 so you’ll pay only $3.99 per backpack after the sale.

These would be great to donate.

Thanks, Passionate Penny Pincher!

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Should I Invest in Stocks? – The Top 5 Reasons Why You Should

When people first try to take control of their personal finances, their first question is usually “Should I Invest in Stocks?”. Everyone has heard horror stories of someone losing their life savings in the stock market, so it can seem risky and scary. But mostly this is just noise. There is only one right answer to the question of whether or not you should invest in stocks. 

And that answer is YES. 

You absolutely should be investing in stocks.

The 5 Reasons Why You Should Be Investing in Stocks Right Now:

  1. It’s easy
  2. If you do it right, you’ll make a ton of money
  3. You can do it all online
  4. It’s the best way to save for retirement
  5. You can get huge tax advantages

Let’s dive in. 

man looking at stock market trends on the computer and smart phone

Reason #1: It’s easy 

I used to think investing was intimidating and scary. It actually turned out to be a lot easier than I thought. You don’t need huge sums of cash or inside information about what stocks to pick.

You don’t need to time the market, pick the right stocks, and get a hot IPO.

All you need to do is set up an automated system and stick to your plan for the long term. You’ll have an incredible retirement and set up a passive income stream along the way.

The best way to get started investing is to set up automatic monthly contributions to your investment accounts. Do this for 2-3 decades and you’ll wake up with a ton of money in your account.

Every account allows you to set up an automatic monthly transfer. I like to set these up for 1-2 days after I get paid. That way, it never feels like I had the money in the first place. If you want to learn more about how easy it is to start investing, check out this post on How to Invest Money

Ready to ditch debt, save money, and build real wealth? Download my FREE Ultimate Guide to Personal Finance.

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Reason #2: If you do it right, you’ll make a ton of money

On average, stocks have given an annualized return of around 10%. At that rate, your money doubles every 7.2 years.

Let’s say you start with $10,000. After a 40 year career, that turns into at least $320K from doubling 5 times. That’s from a single $10,000 investment.

I’m going to level with you. You can’t get rich off just your salary. Savings and bonds won’t do it either, the return isn’t high enough to make an impact during your lifetime.

Stocks are the key.

No matter your income, you will get rich off stocks as long as you start investing early, keep investing, and never sell.

Trying to time the market can be DEVASTATING. Ignore the news and invest every month like clockwork. That’s how you make the most money. If you want to learn more about how investing in stocks can be a huge money maker, check out my post on how to make money in stocks.

Bonus: Having more than one stream of income can help you through tough economic times. Learn how to start earning money on the side with my FREE Ultimate Guide to Making Money

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Reason #3: You can do it all online 

We’re in the golden age of online investing. Gone are the days when you had to call and set up accounts over the phone, or even worse, actually go there in person. Online investing makes it easy to start investing, and you have quite a few options. What’s even better is that the best services often have the lowest fees, making it easy AND cheap. To learn more about how to get started, check out my post on online investing.

Bonus: Ready to start a business that boosts your income and flexibility, but not sure where to start? Download my Free List of 30 Proven Business Ideas to get started today (without even leaving your couch).

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Reason #4: It’s the best way to save for retirement 

The average American needs to save 1.5 million in order to retire. If you were trying to save that using a regular savings account (with an interest rate of about 1.25%), you’d need to save almost $50,000 a year over the course of a 30 year career. For most people, that’s impossible. But with the power of investing, you can invest as little as 10% of your salary and be ready to retire in 30 years.

Wondering how long it will take you to retire if you start investing now? You can play with the numbers using this investment growth calculator. 

Bonus: Want to turn your dream of working from home into a reality? Download my Ultimate Guide to Working from Home to learn how to make working from home work for YOU.

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Reason #5: Tax advantages 

Depending on what type of account you’re investing in, the contributions you make may not even be taxed. 

You should invest as much as possible into tax-deferred accounts like a 401k or Roth IRA.

Your 401k won’t be taxed until you withdraw it many years down the line, and your IRA earnings won’t be taxed at all.

You also won’t have to worry about the minutiae, including picking tax-efficient funds and utilizing methods like tax-loss harvesting. By taking the step of investing in tax-advantaged retirement accounts, you’ll sidestep the vast majority of tax concerns.

Want to know how to make as much money as you want and live life on your terms? Download my FREE Ultimate Guide to Making Money

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Start Building Wealth Today

Overall, you have every reason to start investing in the stock market today. You can get your accounts set up in just a few hours, and be well on your way to building wealth for a lifetime. If you can get the hang of the basics of investing, you’ve just removed a huge barrier to earning more money. Remember, there’s no limit to how much you can earn. 

If you’re looking for other ways to start making more money, take my earning potential quiz below. I’ll give you a custom report based on your unique strengths, and you can discover how to start making extra money — in as little as an hour.

Should I Invest in Stocks? – The Top 5 Reasons Why You Should is a post from: I Will Teach You To Be Rich.

Upcoming: Art & Animals in the Age of CRISPR, Cloning and Cellular Agriculture

Public announcement!

In July, I’ll be giving online classes on the theme of Art & Animals in the Age of CRISPR, Cloning and Cellular Agriculture with the School of Machines, Making & Make-Believe. A first edition of the class ran back in April. This one will be a bit different. First, because I learnt so much from the fantastic group of participants in April that I’d like to feed all their ideas, links and feedback into the new classes. Second, because I wanted to slightly adjust the content of the course. OUT are the plants (they’ll get their revenge in the future) and IN are the marine animals and the birds that I had neglected in Spring.

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Brandon Ballengée, DFA136: Procrustes, cleared and stained Pacific tree frog collected in Aptos, California in scientific collaboration with Stanley K. Sessions (from the series Malamp Reliquaries), 2013

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Agnès Villette and Emmanuelle Foussat, Alien of the Species

For the rest, the class will keep on reflecting what I care about: socially-engaged creative practices but with a stronger focus on non-human life. Microscopic and massive. Extinct, endangered, wild, familiar, lab-grown or “tech-augmented”. And because -as we are painfully learning right now- everything is connected, the classes will also be looking at the world that animals inhabit and where they encounter fungi, viruses, bacteria.

During the classes, we’ll be looking at taxidermy, de-extinction programmes, genome editing, bestiaries, farming, “invasive” species but we will also discuss the ethics of working with animals (including dead ones) and more generally of exhibiting life inside museums and galleries. The main objectives will be to investigate the shifting paradigms of the living world and to reflect on the possibility of co-evolving in a more sympathetic and mutually beneficial way with other living entities.

The full description of the classes is here.

The online classes will be taking place over the course of five weeks, two hours each week. The first session will be an informal “getting to know each other” event during which i will also be taking notes of any special curiosity and interests participants might have.

Bahiyya KhanIf you feel extra studious, extra self-isolated or if you prefer to learn about something else, I’d also recommend having a look at Marisa Satsia‘s online classes on Medical Bodies; Marie Claire LeBlanc Flanagan, Lorenzo Pilia and Bahiyya Khan‘s Hands-on guide to making personal games; Ela Kagel‘s Tools for reimagining. Better worlds through cooperation.

Classes are live meaning that you can directly interact with the instructor as well as with the other participants from around the world. Classes will also be recorded for playback if you are unable to attend that day.

The school is offering a limited number of pay-what-you-can tickets to take part in this class. Preference given to women, POC, LGBTQ+ and persons from underrepresented communities who would otherwise be unable to attend.

This way to join!

Image on the homepage: Bryndís Snæbjörnsdóttir and Mark Wilson, Nanoq: Fat Out and Bluesome, 2001-2006.

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Gloria Estefan Hopes Glee Daughter Naya Rivera Is Remembered as a "Wonderful Triple Threat"

Naya Rivera, Gloria Estefan, GleeGloria Estefan is paying tribute to her Glee daughter Naya Rivera.
As fans may recall, the Grammy winner portrayed Maribel Lopez on the series, the mother of Rivera’s character…

Tesla Auto Insurance

Tesla Insurance

Tesla Insurance states it can provide 20% less expensive premiums to insure your all-electric vehicle.

J.D. Power:
Not Rated

AM Best:
Not Rated

Standard & Poor’s:
B-

SimpleScore
2.3 / 5.0
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Tesla Insurance

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2.3

  • Rates
    5
  • Loan Size
    5
  • Customer Satisfaction
    4
  • Support
    5
  • Fees
    5

Tesla shook up the automobile market with its all-electric vehicle line, expanding over the years to include high-performance options like the stylish Model S that goes from 0 to 60 miles per hour in a mere 3.7 seconds and has an estimated 402-mile range.

Ultimately, Tesla upped the ante on what electric vehicles can achieve. Therefore, it isn’t surprising how popular they’ve become among customers. If you’re considering buying a Tesla, one factor you’ll want to think of is insuring it.

Full review

Our Two Cents — Tesla not only manufacturers a sleek line of all-electric vehicles, but also insures them — but only if you’re Elon Musk’s neighbor.

Compare Affordable Car Insurance Rates

Save money on auto coverage with our simple comparison tool.

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Tesla auto insurance overview

Tesla owners in California have an advantage in that they can insure their vehicles directly with Tesla. Doing so earns them a savings of at least 20% compared to other providers. Tesla also states it plans to offer insurance coverage to owners in other states in the future. In the meantime, there are other top car insurance providers you can consider if you don’t live in California.

Currently, some of the biggest insurance providers offer coverage for Tesla vehicles. Companies like Geico, State Farm, and Progressive offer insurance coverages for your vehicle. Liberty Mutual announced in 2017 a partnership with Tesla called InsureMyTesla.

Similar to other car insurance policies, how much you pay depends on a variety of factors. These include the age, model and value of your Tesla, where you live, your driving history, gender and age. California is one of the few states that prohibits credit scores from impacting car insurance.

[Read: Best Car Insurance California]

Generally, Tesla vehicles are more expensive to insure because they’re a higher value than other vehicles. To demonstrate, the Model S starts at $69,490, which is comparable to luxury, high-end vehicles. Additionally, Tesla can be more expensive to repair, as they’re constructed with parts custom to Tesla and it isn’t as easy to find body shops to make repairs. Because of this, it’s important to compare providers to determine the best price at the best coverages for you.

Tesla auto insurance rates

One of the benefits of Tesla Insurance is it’s less than what other providers charge. The reason for this is Tesla can use aggregate data pulled from its vehicles to determine driving behaviors, frequency and time of the drives. Additionally, Tesla doesn’t charge commissions like other insurance companies.

How much is it to insure a Tesla? Well, the cost of insuring a Tesla depends on the model you select. CNBC reports a Model 3 will run you on average $1,913 annually to insure with a non-Tesla insurance provider whereas insuring a Model S can cost you upwards of $2,963. And this assumes you don’t have any moving violations or accidents, which could also increase the costs.

If you’re a California resident, you can receive a quote by logging into your Tesla account. With Tesla stating you’ll save at least 20%, this translates to a rough estimate of paying $1,530 to insure a Model 3 and $2,370.40 a Model S.

[Read: What’s the Average Cost of Car Insurance In the US?]

The Simple Dollar’s Tesla auto insurance review

To better understand the coverage options you’ll receive with Tesla Insurance, let’s break it down based on its components:

Coverage options: Tesla offers the same full coverage you’ll find with other providers. This includes comprehension, collision, liability and medical coverages. It also provides protection if your Tesla incurred damage resulting from a weather event or to replace it due to a theft.

Provider discounts: Because Tesla can access aggregate data from its vehicles, it can help the safe drivers save as much as 30% off their premium. It also doesn’t charge commissions on insurance, reducing the premium costs further. And, if you have more than one Tesla in your household, you can save with a multi-vehicle discount.

Unique coverages: Tesla offers the Autonomous Vehicle Protection Package. This optional package consists of electronic key replacement, wall charger coverage and cyber identity fraud expenses.

Tesla’s auto insurance competition

The biggest disadvantage affecting Tesla Insurance is its limited availability. Unless you’re in California, you have no choice but to choose another provider, at least for the time being.

On that front, providers like State Farm, Progressive and Geico have been around for a long time. Each is well-known for its customer service, coverage and face-to-face contact with a licensed agent.

Since Tesla Insurance is the new kid on the block, there isn’t much known with it yet. It doesn’t have a J.D. Power customer satisfaction rating, which isn’t surprising because it’s newer. However, Tesla’s estimated savings cannot be overstated. Its vehicles are expensive to insure so having access to 20% savings could be the difference of hundreds of dollars. For the lucky few who have access to this insurance, it’s well worth it to explore more.

What others are saying

The goal behind offering insurance was for Tesla owners to receive a better deal. That said, according to a CNBC report, some owners who have had quotes for Tesla car insurance remark receiving quotes that are much higher than what other providers charge.

Responding to the CNBC report, Tesla noted there were bugs in the algorithm determining price and it has since fixed it. Though, one has to wonder why those kinks weren’t worked out before offering the service.

Another unknown moving forward is how well Tesla will adapt to the insurance market. When Warren Buffett discovered Tesla was selling insurance, he remarked to shareholders that Tesla would struggle, as insurance is a difficult business.

Therefore, time will tell whether Tesla Insurance is able to offer affordable options and expand its coverages to other states.

Tesla auto insurance FAQs

Which is the cheapest provider to insure my Tesla?

If you live in California, receive a quote from Tesla as it states it offers significant discounts. Meanwhile, you can also compare quotes with other providers like Liberty Mutual, Progressive and Geico that way you can find the best rate for you.

Is Tesla insurance similar to other providers?

Yes, Tesla does offer comprehensive, collision, liability and medical coverage. In addition to these, you can also receive optional coverages for car charger damage, key replacement and cyber identity fraud.

What are some things to consider when insuring my Tesla?

Along with the price, service availability is an important factor to consider. Ask your insurance provider if it has nearby shops that specialize in fixing Teslas if you need to file a claim. Furthermore, sometimes parts to repair a Tesla after an accident may need to be shipped to your area before the service can continue, which will delay repairs.

Too long, didn’t read?

Tesla revolutionized the automobile industry and now it’s trying its hand at car insurance with Tesla Insurance. When insuring your Tesla, be sure to comparison shop to get the best deal, as Teslas can be amazing vehicles, but can be expensive vehicles to insure.

Keep reading

We welcome your feedback on this article. Contact us at inquiries@thesimpledollar.com with comments or questions.

The post Tesla Auto Insurance appeared first on The Simple Dollar.

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Long Distance/Long Term Travel and Finances

There were a lot of incredible questions on the last post so it obligated the most sense to lay it all out in the same place peculiarly since there may be lots of folks who are considering long term journeys right now.

Q- Have you considered hiring out your home while you are gone?

A- Yes. There are some big problems with this idea though. First, the report contains 6 of us in 1,200 sq. ft. and we homeschool. The prospective fund we could make off AirBnBing our residence didn’t offset the costs/ load of moving out the school room set-up and our personal belongings. That, and in the time of COVID, the liability/ risk factor is high. If person came COVID, could they say it was because we didn’t adequately clean the dwelling between renters? Piles of inconvenience. Very little reward.

Q- Does your health insurance cover you out of state? Will you is stuck with a huge hospital bill?

A- We have the worst, best guarantee out there. We have an HSA which means we compensate 100% of all medical overheads out of pocket until we stumble our deductible( that’s the bad part ). Once we touched our out-of-pocket maximum, our guarantee remunerations 100% of medical and prescription drug cost of the remainder of the year( that’s the good side ). The out-of-pocket maximum is less than our disaster store. This would be the same whether we were in-state or out of state but it’s something everyone should look into when traveling, especially during a pandemic.

Q- Should you use the trip money to pay down your mortgage instead?

A- This is a hard-handed call. We saved up coin for a fail errand and my husband got some unexpected side jobs so we aren’t going into our emergency fund or stealing from another budget pail BUT, I recognize this experience won’t be what it would have been had we not been knee deep in a pandemic. There is likely to be no stops at amusement park or zoos. There won’t be family dinners at enjoyable eateries. That makes me sad. But at the same time, I also recognise that I’m in a situation that is unlikely to happen again( satisfy Lord, I HOPE IT WON’T !). I have a huge glob of time to watch my adolescents fish in lakes and rivers and explore backcountry. I’ll pay my mortgage for two months longer to take advantage of this opportunity.

Q- Would you like to get into a debate about traveling during a pandemic?

A- As fun as that voices … No.;) I understand that “were having” strong opinions and I respect them but I’m not open for a debate. I’ll explain the finances related to traveling during a pandemic but not about the pandemic itself.

A couple more things I think are important when journey planning…

Double Check Your Insurance Coverage

Yes, look at your healthcare but too look at your home insurance and your gondola coverage. Are the limits right? Do you feel comfy with your deductibles? Do you have enough insurance? Do you have roadside assistance?

Make Sure Your Affairs Are in Order

Yup. I’m getting morbid on you. Chris and I have very detailed wills. They sketch what to do in lots of situations. What happened when we both die? Who gets the kids? Who is the executor? What are our health guidings? It’s all there. Before we leave on big-hearted expeditions, we double check to make sure everything is still the route we want it and we call my mom to remind members where the information is. We don’t do it because we are melancholy, we do it because the last thing I miss my loved ones worrying about when dealing with loss is trying to figure out what to do with my teenagers or my home or my car. You should have this in place NOW but you should regularly revisit to make sure it’s accurate. Travel is a good reminder to double check.

The post Long Distance/ Long Term Travel and Business saw first on Blogging Away Debt.

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Coronavirus: What will university be like in 2020/21?

There’s been a lot of embarrassment recently about what we might see happening at universities next year. But you’ll be glad to know that we’ve found out some of the contrived changes…

Woman shocked with emojis

Credit: ViDI Studio- Shutterstock

UPDATE( 14/7/ 20 ): A brand-new survey’s revealed that a big proportion of unis plan to offer some in-person teaching in the autumn call- but some students are worried it’s unsafe. More info here.

Whatever your programmes are for the next school year- whether you’re starting uni as a fresher, returning for another year or taking a year out – you won’t be alone in wondering what university will be like in September.

This week, to find out more, we sat down( i.e. had a video call) with a few representatives from Universities UK, an organisation that acts as the collective tone of 137 unis across England, Northern Ireland, Scotland and Wales.

Here’s what we found out…

What’s in this guide?

Will university teaching be online in September ? Changes to university adaptation Students might stay in a protective ‘bubble’ Additional changes to university life Will students receive the same value for coin ?

If you haven’t already, check out our usher to the impact of coronavirus on students for the recommendations on things like adaptation, roam and more.

Will university doctrine be online in September? woman reading by laptop

Credit: Atanas Bezov – Shutterstock

You may have heard reports that teaching at some universities will be delivered online next year, but it’s important be emphasised that numerous universities are actually planning to offer some castes on-campus, too.

Rather than belief only in-person or entirely online, many unis are instead considering a ‘blended’ approach to teaching…

What is coalesced learning?

Blended learning mixes both online and in-person teaching.

Of course, it’s difficult to know what social distancing sets will be in place in September, but it’s unlikely that huge lecturings jam-pack with quantities of students will be possible. Therefore, it’s probably no astound that universities are planning to run lectures online in September.

Student Loan interest rates will rise this year

However, it’s starting to look like it could be possible for tiny classes to meet in person as long as social distancing measures are followed.

The extent to which you could expect your course to be taught online and in-person will vary depending on what and where you’re studying. It’s worth getting in signature directly with your uni to get a better idea of how they’ll approach teaching in the new academic year.

For in-person categories to come about, universities might implement other changes to ensure students are as safe as possible on campus, such as brand-new one-way systems in corridors and safety protocols for visitors.

It’s worth noting that, even if your course is learnt online next year, it’s been confirmed that you will still need to pay full tuition fees. We look into whether students will be get good value for coin below.

UPDATE- Most universities plan to offer in-person teaching man in library

Credit: wavebreakmedia- Shutterstock

A recent informal sketch by Universities UK questioned unis if they’re planning to offer some in-person teaching in the autumn word- and a huge proportion confirmed that they are.

Out of the 92 universities that responded to the survey, 89 said that they intend to provide in-person teaching during the first call of the 2020/21 academic year.

This means that, as 97% of the surveyed unis confirmed this, it looks like the majority of students can expect to have at least some classifies on campus in September.

Added proposals by universities for the autumn expression

Many universities likewise plan to offer some support services in-person. These works include mental health support, study the expertise and professions advice.

87 of the 92 unis in the survey said that they intend to provide these services using a combination of online and in-person business. The remaining five plan to offer the services offered online.

And, will there be social opportunities for students? Quite perhaps! 78 universities said they plan to offer things like outside phenomena and sporting activities in-person, in keeping with governments public health guidance.

The survey found that 90% of the unis that responded have communicated their plans to current and prospective students. The remaining 10% should do so very soon.

Alistair Jarvis, United states president of Universities UK, said 😛 TAGEND

Universities across the UK are well advanced in their planning to welcome students this autumn and ensure they can benefit from a high-quality, full and exciting university experience.

Following the latest health recommendations, universities are continuing to develop detailed a blueprint for the brand-new school year and will be regularly updating brand-new and returning students over the coming weeks.

Although their first period will be different from previous years, most students is looking forward to significant in-person teaching and a broad range of social activities and support services. Universities are committed to providing an engaging academic and social experience for all while ensuring the safety and welfare of the whole university community.

Will it be safe for universities to coach face-to-face in September?

The NUS recently queried 1,067 students whether they feel safe returning to university for face-to-face teaching. Now are the key findings from the survey results 😛 TAGEND

Over a third said they wouldn’t feel safe at all with face-to-face teaching in September 2020 13%( less than one in seven) said they wouldn’t feel safe at all with face-to-face teaching in January 2021 22% would feel particularly safe to open/ return to uni accommodation in September Around 90% of students would feel safe if they were schooled exclusively online.

Interestingly, if around a third of student wouldn’t feel safe having face-to-face teaching in September, it therefore looks like the majority of students would.

But for those who are worried about in-person contact in the new school year, the NUS highlights that it’s essential for universities to do what they can to settled students at ease.

Larissa Kennedy, president of the NUS, said 😛 TAGEND

Student safety must be the priority for anyone making decisions as to how campuses are planning to reopen in September.

The government must work with colleges and universities to provide clarity as to how they will impede students safe.

These outcomes make it clear that numerous students will be nervous about their return to education and need reassurances that institutions will be acting in their best interests.

How will university dormitories vary for social distancing? university halls of residence

Credit: Basher Eyrer – Geograph

For anyone who’s ever lived in foyers, it’s relatively knotty to imagine social distancing while living in them. But, we’ve found out about some schemed changes to university accommodation that could actually allow students to live in them safely despite the pandemic.

Students can expect cleansing in halls to be stepped up. And, interestingly, a significant change that’s been proposed is a ‘bubble’ approach.

Unsure how to self-isolate in shared accommodation? Our guide excuses all.

Students might stay in a protective ‘bubble’

As the mention of such an approach proposes, students is able to maintained in a bubble( metaphorically speaking, clearly ).

One way that this approach could work is that students will be allocated places in dorms so that they’re living with people from the same course, minimising the contact they have beyond a relatively small group.

Discussing the bubble approach, Universities UK said 😛 TAGEND

We know that a number of universities are considering looking at how students can initially live and study with the same group to minimise mixing within the autumn term.

This is just one of countless social distancing comings that are being explored across the sector to ensure that universities can protect staff and students while providing in-person teaching where possible. “Hes also” an coming being explored internationally by countries including New Zealand.

Could it impact life on campus as well?

Across the sector there is work to consider how to enable in-person pleasures. This includes timetable changes and using the estate differently to maximise capacity while social distancing measures are in place.

The comings will rightly vary depending on the geographical location, student assortment, types of courses- and […] the social distancing requirements may well change in advance of the start of term which would make a significant difference.

Example of a university utilizing the bubble approach colourful bubbles

Credit: Yuliya Evstratenko- Shutterstock

While it’s not yet been confirmed how many universities will use the bubble approaching, one uni that’s demonstrated they will is Staffordshire University.

As well as locating students from the same course together in housing, Staffordshire University are also planning to offer offices in hallways to fewer students- in fact, merely two-thirds of their passageways will be occupied.

To positioned that into situation, their biggest student plains usually room 12 parties, but next year, they are able to merely include eight.

Here’s how much uni penalties you per hour

While this, of course, collects concerns about where students will live if they don’t get places in hallways, Staffordshire University do say on their website that, if students can’t get places in dorms, other adaptation will be organised with relied providers.

Professor Liz Barnes, Vice-Chancellor at Staffordshire University, said 😛 TAGEND

The health and wellbeing of our university parish has to be our key priorities and in common with other universities throughout the sector, we are creating a framework in which students can live and study in encouraging memorize environment which limits the risk of infection.

At the same time we have to ensure a first class university experience and that is still our intention.

Additional an amendment of university life in September UCL campus

Credit: Neil Turner – Flickr

There’s more to uni life than just where you live and what you learn- so what other conversions will universities originate in September?

For starters, it’s been suggested that freshers’ week will gaze very different from previous years. It was possible that your university furnishes happenings online, or there may be an attempt to run some episodes in person if the group sizes are small enough to allow for social distancing.

Also, students could still be able to sign up for societies in welcome week.

In terms of socialising, though, the standard rules at uni will be the same as abroad and you’ll be expected to follow the government’s guidelines.

And, as for other modifies, Universities UK demonstrate detailed guidance for unis here. Among this advice, there are suggestions that universities 😛 TAGEND

Ensure students can access support services, particularly for mental health Take action to prevent feelings of loneliness and solitude among students and staff Support students who experience ‘digital poverty'( a lack of technology) Help all the persons who don’t have access to a good study opening at home.

Will students receive the same value for fund? money in a purse

Credit: Yevgen Kravchenko, kamui2 9, Bell Photography 423- Shutterstock

As we has already mentioned, it’s been confirmed that tuition fees will remain the same in the next academic year, even though they are belief remains online.

We wanted to know how students felt about this. So, between 15 th May- 3rd June 2020, we partnered up with MoneyMagpie to ask almost 1,000 students about their conceptions on the impact of COVID-1 9 on their studies.

In the survey, we queried students if they belief tuition fees should be lowered to reflect increased contact age and increased online learning parts. The ensues were 😛 TAGEND

87.4% think they should be lowered 6.4% are unsure 6.3% think they should stay the same.

It’s a pretty big majority who study tuition fees should go down…

We queried Universities UK what opinion they’d have for students who are concerned they won’t receive the same value for money for their unit, given the proposed changes. They said 😛 TAGEND

New and returning students can trust that universities will be providing high-quality, accessible and employing teaching and learning this autumn.

Universities will provide as much in-person learning, learn, support services and extra-curricular undertakings as public health advice and government lead will support.

Although it is likely that there will be some changes to how a degree is delivered initially because of public health requirements, we are hopeful that this will only be the case for a small part of students’ time at university.

Where support for learning is active and ongoing, UUK please explain that students should not expect any reward indemnity from their university, and this has been confirmed by the Universities Minister on several occasions.

To students who are unhappy with the quality of teaching at uni, Universities UK hint 😛 TAGEND

Students who are not satisfied with the support they are getting should make this known to their university in the first instance. UK universities are totally committed to providing students the world class university experience that they need to succeed and for which our universities are renowned globally.

If you do wish to complain and potentially claim compensation over the quality of your position, check out our full navigate for more info.

As the situation’s constantly evolving and brand-new info’s been announced by universities since our examination( particularly about face-to-face teaching returning ), we’d expect students’ attitudes to have changed.

If you’re heading to uni in September, make sure you have a read through our ‘what to take to university‘ checklist.

Read more: savethestudent.org

Black Mentifact

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Tiona Nekkia McClodden. Be Alarmed Lobby Card, 2014. Courtesy of the artist.

The sense of place achieves its clearest articulation through narrative, providing the thematic drive and focus of the narratives that beings tell about the places in their lives. –Kent C. Ryden, Mapping the Invisible Landscape.

Art2 1 Inc.

Archival image of postcard, craftsman unknown.

I was born in 1981 on an Air Force base in Blytheville, Arkansas, a small rural township where my mother Deborah Ann was born and elevated, as were her mother Marvis and her grandmother Signora. Cotton lands are clear in my memory–they often appear as a white-hot smog in the distance–and visits back to Blytheville happened near gathering season in late August. In my mother’s family , no one spoke of the fields until I was older and began to hear fibs of my mother chopping cotton for spend money, to buy a duet of white-hot breathes to wear to school, in the 1970 s. It was a difficult image to illustrate; I know her as an “ain’t working outside in the heat” kind of woman, but perhaps her suffer of working in the fields is the reason.

” How do our families react to artwork that remarks “peoples lives”, their ancestors, and to the circumstances that have resulted ?”

One exhibition that triggered in me a sense of nostalgia and of family was ” Beverly Buchanan–Ruins and Practices “ show at the Brooklyn Museum in 2017. Her statues reiterated the shacks and wooded countryside of Blytheville. I felt their own families in Buchanan’s exertions; I felt situated directly on the street of the city, in some of the poorer Black-populated areas that were once ordered with the house and now stand bare. Buchanan’s exhibition made a memory and a gift tangible.

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Kevin Beasley. A judgment of a terrain, 2019. Resin, Raw Virginia Cotton, Altered Garments, and Sound Equipment. Production still from the New York Close Up film,” Kevin Beasley’s Raw Information ,” 2019( c) Art2 1, Inc. 2019

I had a same experience when I inspected Kevin Beasley‘s solo expo,” A view of a landscape “, at the Whitney Museum in December 2018. Seeing the show’s recovered cotton-gin motor brought to mind a floodlight of portraits of my mother working in a field although I had never seen her do this work. I had been unable to share my experience of Buchanan’s exhibition with my mother, so I had decided to wreaking her to Beasley’s exhibition.

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Social media screenshot, aspects A scene of a landscape( 2019 ), by Kevin Beasley. Image courtesy of the author.

” My curatorial and art work is sourced from my mother’s relationship to her surroundings .”

On January 13, 2018, we saw the Whitney Museum, a first for her. We induced it up to the top floor, to the motor. It was stillness by a glass vitrine, and the area was strangely empty-bellied; both aspects countenanced my mother to invest some time in silence and in solitude. I shared a few epitomes of her consider the motor on my private Instagram account, captioned with our brief addres exchange in the galleries. My friends and I often “ve been thinking about” how our families will react to artwork that sees reference to their lives, to those of their ancestors, and to the circumstances that have arisen. Within a few hours, my Instagram post was inundated with likes and mentions. This proved to me that artworks like Beasley’s illuminate a shared history, one that is not so rare, and that there is a desire for more.

————–

My mother’s first enterprise, as a sixteen-year-old, was chopping the weeds bordering the cotton plants–a task known simply as “chopping cotton.” It was a time she rarely discussed. Her work in the cotton lands came more than one hundred eighty years after the invention of the cotton gin in 1793, one hundred ten years after the abolishment of bondage in 1863, and only thirty-one years after the mechanical cotton picker was formalized and used in Arkansas, in 1944. The picker was the machine that my mother heard most during reap; it stood at the end of the sequences in the field. The entire cotton gin was housed by a much larger structure, and she was familiar simply with its exterior.

After we visited Beasley’s substantiate, I learned that one of the largest cotton gins in the United District was located on the western edge of my hometown. Finally, I was presented with an opportunity to ask my mother about her time in the fields, and she referred some of her event 😛 TAGEND

Chopping cotton was one of the first large-scale jobs I had. Everybody knew: if you wanted to become some fund, you chop cotton. I started out at senility fifteen or sixteen, at fifteen dollars per day. You had to go down and invite Mr. Charlie Whirl if you could ride with him on the bus, or truck, or whatever[ vehicle] he was taking.[ He was] one of the many males in the area who took beings to work in the fields. If he didn’t know you, you couldn’t go with him, but he knew our grandma.

Your day started at 4 a.m. You’d ride forever, it seems like, and arrive at the field around 6, at sunshine up. It would be so hot you’d have to take a straw hat and layers of invests, a t-shirt and a long-sleeve shirt, or the sunbathe would burn you.

You were given a hoe and educations on how to chop the weeds from around the cotton so it could thrive, because it was really low-pitched to the earth. We agreed upon at 5 o’clock, when the white man would bring the money. I would open granny some even though it wasn’t a lot, but we didn’t have a lot. If[ someone] hollered, “Snake! ”–because there were snakes in the fields–I was done and would sit on the bus all day. I don’t do snakes.

————

Author

Marvis, Grandmother in Blytheville, AR, Date Unknown. Archival photograph courtesy of the author.

Much of my curatorial and art work is sourced from my mother’s relationship to her encircles, her remembrances of my ancestors–primarily of my grandmother Marvis, who died when she was only thirteen years old–and my family’s history in the American South.

My practice considers three interrelated aspects of culture: artifacts, sociofacts, and mentifacts. They are foundational to my investment in Black mentifacts( shared impressions, prices, or notions ). No affair how deep I experiment document-based repositories, I always make reference to a grouping of parties or a singular party, to seek out reminiscences. I then try to create a form of fabric culture from the cavity between truth and detail, a seat of conjecture that I abide in conceptually. Everything I’ve ever produced must be sprung in a sense of feeling sourced from a Black mentifact, as opposed to really a happening or existence in the past or present.

In 2018, I pivoted my work’s focus to Black social and architectural openings as places for cultural invention, relief, and gratification. In March and April 2018, while in palace at Recess, as a part of the Session series, I altered the exhibition space into a jook joint, built by hand, announced ” Shug Avery’s Kiss “, a reference to the character Shug Avery in Alice Walker’s book, The Color Purple. I curated a programme of contests that included: letter-writing seminars with fellow Black ladies; an intimate discussion about love with the master Chloe Bass; and seminars on belief and spirituality with my friend Ash Tai, on sisterhood with my youngest sister, and on love with my friend, Keondra. In addition, I hosted three live jukes, sprung in lecture and collaboration: in one, I made a pair of pants with the master Diamond Stingily, and the other supplied me the opportunity to collaborate with my mother, by inviting her to behaviour a wig-making workshop, consuming me as the “hairs-breadth” pattern. In recreating this community space, a discourse was started and a gossip was preserved.

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Tiona Nekkia McClodden and her father as a part of Shug Avery’s Kiss( 2018 ), at Recess. Courtesy of the author.

The abstraction, or rather extension, of that installing likewise paid adoration to not only the jook joint as a historical site of Black artistic creation and social engagement but likewise to my grandmother Marvis, who frequented jukes after working in a shoe plant in Blytheville. Photos of her were placed on the walls of the juke, the only epitomes of her that I have seen in full clarity. Before I constructed the installation, I went to Greenville, South Carolina, to speak with my mother and her sisters about the juke joint the government has toured or are aware of. They shared their recognitions of the smell of the wood, the alcohol, the porch ignites, and the music, which informed how I sculpted the Recess infinite. My grandmother’s personas sufficed as remarks for colouring, and Shug Avery was the muse.

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Tiona Nekkia McClodden. Shug Avery’s Kiss, 2018.( c) Tiona Nekkia McClodden. Courtesy of the artist.

Vernacular architecture–and specifically Black vernacular interiors–is often to stay in an impermanent nation, exclusively existing within memory, as most of the buildings, homes, and jukes are no longer standing. They have passed out, just like their owners, who are primarily elders with no heirs interested in taking over such a complex infinite in a modern society.

For my mother, exactly the batch of an object that she had never seen–the cotton-gin motor is the interior of a machine, learn but means to hidden–reminded her of a duration, of a sit, of a labor. In the Whitney exhibition, the motor was encased to stifle a seem that would begin one to leave before experiencing the whirling hole, a condition that also enshrined its influence. The hubbub separated( much like the cotton from the grain) the slab carves presenting a contemporary fossilized record of Blackness and its relation to cotton–from flower to t-shirt, to my mother’s white pants–and uttered transparent our proximity to this flower and our participation in this labor. To me, this is the success of Beasley’s installation: it is accessible to those in direct proximity to the landscape surrounding it, to the exterior of it all.

black mentifact

Production still from the New York Close Up film,” Kevin Beasley’s Raw Fabric ,” 2019( c) Art2 1, Inc. 2019

After my mother and I waste some time with Beasley’s cotton-gin motor, we go to the museum cafe. She is clearly overwhelmed, and we expend much of our time in silence, watching people brave the winter cold to take visualizes on the balcony. After taking a sip of her overpriced tea, she looks at me and says, “It’s really cool that this is in this museum. I remember being right there in the field.”

Me: What times saw you in the fields again? Mother: Oh it was’ 75, ’7 6, I anticipate .. Me: Wait, so simply six years before I was born? Mother: Yep, I suppose that’s right.

Read more: magazine.art21.org

Options Trading: Buying and Selling Calls & Puts for Hedging & Profit

As markets become more turbulent and investors are seeking ways to protect profits or perhaps enhance them, call and put options are rising in popularity in an unprecedented manner.  Of course, investors are much more likely to shoot themselves in the foot, than do anything productive when it comes to “calls” and “puts” – but…

The post Options Trading: Buying and Selling Calls & Puts for Hedging & Profit appeared first on Million Dollar Journey.

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