U.S. Editor, @nudgeglobal. Past: @usnews, @thedailybeast, @chronicle. Alum: @michigandaily. Views do not reflect my employer, not investment advice.
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Articles by Emma Kerr
Patterns of Functional Redundancy and Anaerobic Metabolic Potential Characterise the Skin Microbiome of a Critically Endangered Sawfish
1 Introduction Globally, animal and plant species face unprecedented conservation challenges as human activities instigate widespread alterations to natural environments, leading to biodiversity decline (Keck et al. 2025). Despite our best efforts, many protected species, including large vertebrates, continue to decline (McCauley et al. 2015; Darwall et al. 2018), suggesting unseen biological processes are failing well before impacts are observed.
Interactions of Mucus Monosaccharides and the Epidermal Microbiome in Four Benthic Elasmobranchs
1 Introduction Skin and mucus provide the first defence for all organisms against abrasions, infections and buffers environmental changes (Meyer and Seegers 2012). A key difference between marine organisms, such as fish and sharks, and many terrestrial organisms is that their skin lacks a dead, keratinised protective layer. Since fish and shark epidermis consists entirely of living cells, the protection from the mucus is paramount (Meyer et al. 2007).
What to Know About Paying Student Loans With 529 Plan Funds
Getty Images There are several possible scenarios in which it could be useful to pay off student loans through 529 plan distributions. Key Takeaways Up to $20,000 in a 529 college savings plan can be used to pay off student loan debt. Because 529 beneficiaries can be transferred, someone else's 529 savings might be paying off your student loan debt in the future. Be sure to review the details of your 529 plan before making any withdrawals.
Smart Ways to Gift Money to Children
Timing a large gift of money can be important for tax purposes and in the lives of the parents and children involved. So long as parents have determined they are able to comfortably give during life, Kotzer says many do. “If you have it and you don’t need it and your kids are going to get it anyways, isn’t it better to share it now?” Kotzer says.
Inhibition of HDAC6 alters fumarate hydratase activity and mitochondrial structure - Nature Communications
Abstract Fumarate hydratase (FH), a key node of mitochondrial metabolism, is also a tumour suppressor. Despite its prominent roles in tumourigenesis and inflammation, its regulation remains poorly understood. Herein, we show that histone deacetylase 6 (HDAC6) regulates FH activity.
Differences in FEMA National Risk Index scores between rural and urban communities: Findings and implications for national policy, planners, and decision-makers | Journal of Emergency Management
DOI: https://doi.org/10.5055/jem.0888 Keywords: emergency management, emergency planning, Federal Emergency Management Agency, public health, rural health References NOAA National Centers for Environmental Information (NCEI): US billion-dollar weather and climate disasters. 2024.
US News Education | Online Programs | The Short List
The Short List: Online Programs Online Programs With Diverse Faculty About two-thirds of faculty members at these schools, on average, are nonwhite, according to U.S. News data. Sarah Wood Jan. 21, 2025
Smart Ways to Gift Money to Children
Timing a large gift of money can be important for tax purposes and in the lives of the parents and children involved. So long as parents have determined they are able to comfortably give during life, Kotzer says many do. “If you have it and you don’t need it and your kids are going to get it anyways, isn’t it better to share it now?” Kotzer says.
Tuition Reciprocity Agreements: How to Get In-State Tuition Out of State
Key Takeaways: Students can attend college affordably while still going out of state. Many states participate in tuition reciprocity programs to reduce costs. Legacy scholarships and exchange programs can also significantly reduce tuition costs. With average tuition prices continuing to rise, cost-conscious students often focus their college search on in-state public schools where tuition is generally cheaper than at private or out-of-state public schools.
Author Correction: Pathway level subtyping identifies a slow-cycling biological phenotype associated with poor clinical outcomes in colorectal cancer - Nature Genetics
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Correction to: Nature Genetics https://doi.org/10.1038/s41588-024-01654-5, published online 13 February 2024 In the version of the article initially published, the S:CORT consortium was missing from the author list and has now been added to the HTML and PDF versions of the article.
By Sudhir B. Malla, Ryan Byrne Verified, Natalie Fisher, Petros Tsantoulis, Rachel A. Ridgway, Kathryn L. Gilroy, Raheleh Amirkhah, Sarah Maguire, Eoghan J. Mulholland, Hayley L. Belnoue-Davis, Elena Grassi, Marco Viviani, Holly Hall, Baharak Ahmaderaghi, Enric Domingo, Susan D. Richman, Livio Trusolino, Emma Kerr, Sabine Tejpar, Andrew Campbell, Simon J. Leedham, Viktor H. Koelzer, Owen J. Sansom
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Say Yes to the Different Dress
Key Takeaways Brand-new wedding gowns cost an average of $2,000. Be open to the wide world of options that will give you the look you want for a fraction of the cost. You can use the money you save on your dress for other things you want and need, both for the wedding and for your life afterward. Every bride wants to look fabulous on the big day, but the price of a new, traditional dress can be decidedly unattractive.
Elasmobranchs Exhibit Species-Specific Epidermal Microbiomes Guided by Denticle Topography
Abstract Elasmobranch epidermal microbiomes are species-specific, yet microbial assembly and retainment drivers are mainly unknown. The contribution of host-derived factors in recruiting an associated microbiome is essential for understanding host-microbe interactions. Here, we focus on the physical aspect of the host skin in structuring microbial communities.
Qualified Expenses You Can Pay for With a 529 Plan
1/15 Credit (Getty Images)| View as article Qualified expenses that 529s cover Anyone can open a tax-advantaged 529 college savings plan, including students, parents, grandparents and other relatives. It is used to pay for college, but not all expenses qualify. Withdrawals from 529 plans are called distributions, and they must be used toward qualified education expenses – otherwise they will face federal income tax and a 10% penalty. Health insurance and child care, for example, don't qualify.
How to Become a Rhodes Scholar
Because of its prestigious reputation, the Rhodes scholarship draws applications from thousands of the world's top college students each year. But only a select few who best demonstrate academic excellence, a commitment to others and character traits like courage and kindness are chosen for the scholarship, which allows students to study at the University of Oxford in the United Kingdom.
Personal Finance Predictions for 2024
Key Takeaways: Interest rates will drop slightly. Inflation will move toward the 2% target. White-collar jobs will increase. We may go into a mild recession. The housing market won't improve. Low- to moderate-income households will feel squeezed. Are you wondering what to expect on the personal finance front in 2024? After a tumultuous two years, the economy is showing signs of stability, but we're not out of the woods yet. Here are six 2024 predictions from financial experts: 1.
Filing Your FAFSA as an Independent: Here's When It's Possible
Before filling out the Free Application for Federal Student Aid, or FAFSA, applicants must first determine their dependency status – which dictates whose information needs to be submitted on the form. An undergraduate student can't simply choose to file as an independent on the FAFSA, the application that most schools use to determine financial aid awards. They must meet certain legal requirements to file independently. For instance, undergraduates born before Jan.
Cheap Fall Activities for Kids
The traditionally expensive winter season is just around the corner. According to a National Retail Federation, consumers are expected to spend an average of $875 on such things as gifts, decorations, food and other seasonal items in 2023. And if travel is included, that figure will go even higher. For this reason, it makes sense to save as much money as possible in the preceding months.
What to Know About College Tuition Costs
Paying for college is expensive, and many families have felt the pinch of rising tuition costs over time. College tuition prices are a lot higher today compared with two decades ago. For instance, the average cost for tuition and fees among ranked private National Universities – schools that are often research-oriented and offer bachelor's, master's and doctoral degrees – has risen by about 40% since 2004 when accounting for inflation, according to U.S. News data.
20 Things You Can Buy With Student Discounts
Find discounts to slash college costs With the growing cost of tuition, college student discounts are one savvy way to save money. Entering the 2023-2024 school year, college students and their families were expected to spend a record-high average of $1,367 per person on back-to-school items like laptops, tablets, calculators and dorm furnishings, according to the National Retail Federation. That number is up nearly $200 from the previous year and more than $300 since 2020.
20 Things You Can Buy With Student Discounts
1/24 Credit (Getty Images)| View as article Find discounts to slash college costs With the growing cost of tuition, college student discounts are one savvy way to save money. Entering the 2023-2024 school year, college students and their families were expected to spend a record-high average of $1,367 per person on back-to-school items like laptops, tablets, calculators and dorm furnishings, according to the National Retail Federation.
How to Spend Money on a Summer Vacation You Haven't Budgeted For
Consider visiting scenic and interesting places in your home state or a neighboring one that you haven’t explored yet.(Getty Images) It's the end of the summer, and you've decided to travel somewhere – whether you can afford to or not. How do you pay for and plan a vacation this quickly without completely destroying your budget? It isn’t going to be easy, but money experts say there are strategies to use.
Weighing the Pros and Cons of Working While in College
Working a part-time job while in college can help students pay for personal expenses, supplement financial aid and gain valuable work experience. However, there are drawbacks students should be prepared for, including time restraints and impact on tuition assistance. About 74% of part-time undergraduate students and 40% of full-time students in the U.S. were employed in 2020, according to the most recent data from the federal .
This Is How Much It Costs to Move Across the Country
If you’re preparing for a move across the country and researching what it costs, prepare for a lot of dollars to move out of your bank account. It's impossible to say what your final bill will look like, given all the factors that go into a long-distance move. But it’s a good bet that the cost will be much higher than you think. We’ll give you some numbers – and then we’ll explain the reasoning behind the numbers and offer some tips for bringing those numbers down.
Postdischarge Caregiver Burden Among Family Caregivers of Older Trauma Patients
Key Points Question What is the prevalence of caregiver burden among family caregivers of geriatric trauma patients discharged from hospitals? Findings This cohort study found that nearly a third of caregivers experienced high rates of caregiver burden up to 3 months after discharge; caregivers with low self-efficacy and preparedness for caregiving had higher odds of caregiver burden.
Shopping Tricks to Keep You Under Budget
What do inflation, interest rates, gas prices and groceries all have in common? They’re all high. With many goods and services costing more these days, your money has to stretch further to pay for everything you need. That’s why you need a few good shopping tricks to stay within your budget. Shopping experts Gigi Lehman, editor of LivingOnTheCheap; Trae Bodge of Truetrae; and John Schmoll, founder of FrugalRules, share their tips. 1.
18 Ways to Prepare for Your Freshman Year of College
Be ready before classes start. Transitioning from high school to college can be a big change for students, with many moving away from family and friends for the first time. For those stressing over this new life chapter, there are ways to prepare before classes begin. From researching academic supports to practicing time-management, the following tips can help incoming freshmen get organized and build a foundation for college success. Next:Be prepared to be treated as an adult.
Weavr And Visa To Deliver Embedded Finance To The Global Stage
Plug-and-Play Finance specialist, Weavr, has announced a new collaboration with Visa, a world leader in digital payments. The collaboration aims to accelerate the adoption of embedded finance solutions among B2B Software-as-a-Service (SaaS) companies. Embedded finance enables B2B software businesses to integrate financial services into their software to augment their existing product offerings or launch entirely new products and services.
Author Correction: Epithelial TGFβ engages growth-factor signalling to circumvent apoptosis and drive intestinal tumourigenesis with aggressive features | Nature Communications
Author notes These authors contributed equally: Dustin J. Flanagan, Raheleh Amirkhah, David F. Vincent, Philip D. Dunne, Owen J. Sansom. Authors and Affiliations Cancer Research UK Beatson Institute, Glasgow, UK Dustin J. Flanagan, David F. Vincent, Nuray Gunduz, Pauline Gentaz, Patrizia Cammareri, Rachel A. Ridgway, Joshua D. G. Leach, Rene Jackstadt, Kathryn Gilroy, Colin Nixon, William Clark, Ann Hedley, Elke K. Markert, Douglas Strathdee, Andrew D. Campbell, Gareth J. Inman, Philip D. Dunne & Owen J.
Epithelial TGFβ engages growth-factor signalling to circumvent apoptosis and drive intestinal tumourigenesis with aggressive features - Nature Communications
Abstract The pro-tumourigenic role of epithelial TGFβ signalling in colorectal cancer (CRC) is controversial. Here, we identify a cohort of born to be bad early-stage (T1) colorectal tumours, with aggressive features and a propensity to disseminate early, that are characterised by high epithelial cell-intrinsic TGFβ signalling.
Everything You Need to Know About Community Colleges: FAQ
Overview Applying to Community College Academics at Community Colleges Student Life at Community Colleges Campus Services at Community Colleges Cost and Financial Aid at Community Colleges Overview What Is Community College? Community colleges are primarily public higher education institutions that strive to provide affordable accessible education accessible to all.
New Income Tax Brackets for 2023 May Save You Money
Taxpayers may see their tax liability cut in 2023 as the Internal Revenue Service adjusts the standard deduction and tax brackets for inflation. Each year, the IRS makes inflation adjustments to key benchmarks. But this year, as inflation nears record highs, taxpayers may see a more significant impact, thanks to annual adjustments. However, only certain items are inflation-sensitive – meaning those that aren’t could result in a taxpayer owing more come Tax Day.
What Is a Crypto Wallet? Here’s How They Work and How to Decide if You Need One
Despite the name, a crypto wallet has very little in common with the wallet you have in your pocket. A crypto wallet is a place, either digital or physical, where you store the private keys to your cryptocurrency. There are several different ways to store this information – as simple as a piece of paper or as complex as a web-linked wallet. Crypto wallets aren't like a bank account because they don’t help you earn money on your cryptocurrency or even hold the cryptocurrency itself.
7 Reusable Products That Are Good for the Environment and Can Save You Money
Single-use products are quickly becoming a thing of the past as more households embrace reusable products – both as a cost-saving measure and as a step toward a more environmentally sustainable home. Examples of single-use products common in the home include plastic wrap, straws, paper towels, paper napkins, feminine hygiene products, tissues, cotton swabs and cotton pads. The packaging in which many common household products come in also represent a portion of the single-use environmental impact.
What Is Universal Basic Income?
When the COVID-19 pandemic shut down businesses and sent workers home, the government stepped in with stimulus payments that were intended to keep families afloat financially during an unprecedented time. Those payments are a thing of the past, but some have advocated for the government to continue providing regular financial support to residents, particularly those with lower incomes. Known as universal basic income or guaranteed income, these proposals have been divisive.
The Last Day to File Taxes in 2024 Is Quickly Approaching. Here's What to Do if You Still Haven't Filed
Key Takeaways If you requested a federal tax extension this year, the deadline to file is Oct. 15. Additional extensions are rarely approved unless you're impacted by a declared disaster or suffering an extreme hardship. If you miss the Oct. 15 deadline, you'll be hit with a retroactive failure-to-file penalty. Late filers must pay taxes by the original due date of April 15 to avoid interest charges and penalties.
Q&A: Jill Schlesinger on This Extraordinary Economic Moment
New financial influencers are popping up daily online – some with an extensive list of credentials and others, not so much.
Actually, Money Does Make You Happy
Emma Kerr U.S. News & World Report September 22, 2022 The new research may surprise you. Read Full Article » Show comments Hide Comments
Does Money Make You Happy? Studies Say Yes
Does Money Make You Happy? Studies Say Yes Emma Kerr U.S. News & World Report September 21, 2022 Our collective understanding of the relationship between money and happiness has taken an about face in recent decades, as researchers increasingly uncover close ties between individuals’ earnings and their day-to-day happiness. Read Full Article »
Does Money Make You Happy? The Latest Research Might Surprise You
The old adage “money doesn’t buy happiness” in recent decades evolved to an understanding that individuals’ happiness increases with income.Getty Images Our collective understanding of the relationship between money and happiness has shifted over the past two decades as researchers increasingly uncover close ties between individuals’ earnings and their day-to-day happiness.
Is Unemployment Insurance in U.S. Retroactive?
Is Unemployment Insurance in U.S. Retroactive? Emma Kerr U.S. News & World Report September 14, 2022 Americans who are out of work may be able to access unemployment insurance if they meet certain eligibility requirements. These benefits vary across states, but unemployment insurance offerings have contracted as the additional benefits offered during the coronavirus pandemic expired in September 2021. Read Full Article »
A Look at 20 Years of Tuition Costs at National Universities
College costs have been on a mostly upward trend for the last two decades. In addition to rising tuition prices, paying for housing, food, transportation, textbooks and other school-related fees usually adds thousands of dollars to college expenses. To cut costs and limit student debt, many families consider in-state colleges.
How to Know if the 50/30/20 Budget Will Work for You
Key Takeaways The 50/30/20 budgeting method suggests you spend 50% of your income on necessities, 30% on wants and 20% on savings. It can be a helpful framework if you're new to budgeting and aren't sure how to allocate your money. It may not be the best fit in certain situations, such as if you want to invest outside of retirement accounts or can't currently get your mandatory expenses down to 50% of your income.
Will You Get a Bonus Tax Refund From the IRS?
When the coronavirus pandemic hit in 2020, it upended tax season for filers and tax professionals alike. To offset the often unavoidable errors, delays and missed deadlines many taxpayers have experienced in recent years, the Internal Revenue Service announced last week it would refund more than $1.2 billion in late filing penalties for returns in 2020 and 2021. This refund applies to forms for tax years 2019 and 2020. Refunds are set to arrive by the end of September, according to the IRS.
How Much Money Should You Give for a Wedding Gift?
Key Takeaways: Wedding experts advise starting cash giving at $100. You may want to adjust up to $500 based on factors such as your relationship with the couple, your budget and the cost of your attendance at the wedding. If your budget is really tight, you may want to consider buying a gift from the registry instead.
What Is a Notarized Document - and Where Can I Get Something Notarized?
Individuals buying a home, adopting a child, completing estate planning documents such as wills and advanced health care directives, or completing any number of legal procedures may find themselves in need of a notary. Access to notarization has changed in recent years as more states have embraced remote online notarization options, mostly in response to the coronavirus pandemic.
What the Inflation Reduction Act Means for You
In his speech announcing the proposed Inflation Reduction Act last week, President Biden called it “a godsend" for American families. While critics might disagree with that characterization, there are several facets of the law that could reduce specific expenses for some American consumers. Here’s a look at some areas in which consumers could save money if the bill passes, according to the summary released by Senate Democrats last week: Energy-efficient purchases.
What Low GDP Means For You
What Low GDP Means For You For the first time since 2009, the U.S. gross domestic product was negative for two quarters in a row. After dropping 1.6% during the first quarter of 2022, the GDP fell another 0.9% in the second quarter, according to the Bureau of Economic Analysis. Read Full Article »
Here's What 2 Quarters of Negative GDP Mean for You
For the first time since 2009, the U.S. gross domestic product was negative for two quarters in a row. After dropping 1.6% during the first quarter of 2022, the GDP fell another 0.9% in the second quarter, according to the Bureau of Economic Analysis. Though the U.S. has met one common definition of a recession – two consecutive quarters of negative GDP growth – in some ways, the current economy doesn't mirror that of previous recessions and a formal recession has not yet been declared.
How to File an Amended Tax Return
It’s best to get your tax return right the first time, but mistakes happen. When they do, it may be necessary to file an amended return. An amended return is a taxpayer’s opportunity to receive any unclaimed refund or correct an instance of underpayment after the return has already been filed and the due date to file has passed. Why File an Amended Return If you find a mistake in your tax return, you can submit an amended return.
How Weak GDP Does (And Doesn't) Indicate a Recession
When it comes to measuring the strength of the economy, one of the most important metrics to watch is the gross domestic product, or GDP. This week, the Commerce Department announced the U.S. had experienced two consecutive quarters of negative GDP growth – meeting a common definition of a recession. But other economic factors like the unemployment rate observed alongside this critical GDP benchmark can provide a more complete picture of today's economy.
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