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TAMPA BAY, Fla. — Thanksgiving is a day of gratitude for many, but it also marks 10 years of Justin Gaertner's Alive Day.Gaertner's Alive Day marks the day he survived injuries overseas."It's a day to remember how far you've come in life and that nothing can hold you back," said Gaertner. November 26, 2010, Gaertner and his best friend, Gabriel Martinez, were on a clearance mission in Marjah in Afghanistan's southwestern Helmand province. While sweeping after a vehicle in front of them, the vehicle rolled over an IED, Gaertner said Martinez hit a secondary IED and as he swept to secure a landing zone for a medical helicopter, he triggered a tertiary IED. Both lost their legs."I remember every second of that moment. The smell. The looks. The sound. Everything that was going on, and it's something I'll never forget. But regardless, he was right there by my side the whole time, throughout the whole thing," Gaertner said.A photo shows the two with injured hands, holding each other's pinky fingers. They had each other's backs in the Marines through their recovery. Now, both work as computer forensic analysts for ICE Homeland Security Investigations, Martinez for HSI Denver, and Gaertner for HSI Tampa."We never let each other go because going through something like that by yourself is hard enough and then having him by my side that whole time, I guess there's really no feeling or words that can describe having your best friend, your brother right there next to you throughout the entire journey," Gaertner said.They were brought on through the Human Exploitation Rescue Operative (HERO) program."The child exploitation cases are really close to my heart, close to everybody's heart, and it's just nice when you come home and know you made a difference today," he said.Gaertner said he's now worked on close to 300 federal and state cases, dealing with things like child exploitation, drug smuggling, and national security. He also helped in the aftermath of the shooting attack at Naval Air Station Pensacola.He said the past ten years have been a journey."Highs lows, accomplishments of conquering challenges, starting my family, marrying the love of my life, having a beautiful daughter together. It's just been a journey and something I don't take for granted because I shouldn't be here, but I am, and I'm trying to make the best of it," he said.He said his wife and daughter are his rocks. "With the challenges of 2020, the challenges over the last 10 years of my life, my daughter has been a blessing. We lost a daughter in 2018 and have been praying every day since then for the arrival of our daughter Callie now and on top of her I've prayed for a wife such as mine, and I couldn't have made it over the past few years without her," Gaertner said.His wife, Paige, said while Thanksgiving before was a day to acknowledge blessings, now it's also gratitude, celebrating Justin's life."I think Justin's greatest ability in life is to adapt and overcome, and to me and having a daughter now and him being a father, I think it's just an example to all of us that no matter what we go through, I mean losing his legs has been a huge trial in his life, but he has done it and overcame it like it was a blessing to him," she said. "And so he always makes the best out of every situation, and I think no matter where we are in life that it's important to remember that."On this Thanksgiving, Gaertner doesn't dwell on what happened to him on his Alive Day."I don't really think about it too much, I just think about everybody else that's serving and the sacrifices that they're making while I'm able to sit here and enjoy Thanksgiving with my family," he said.This story was first reported by Haley Bull at WFTS in Tampa Bay, Florida. 3798

Tens of millions of Americans live in food deserts, with limited access to fresh and healthy foods. And according to Feeding America, the pandemic has put millions more at risk of experiencing food insecurity.Residents in one Oakland neighborhood have a convenient grocery store for the first time in four decades, and it became even more essential during the pandemic. "It's got to be easy for them to get it, and the more effort there is and time involved in the shopping, the less fresh foods is going to be in that basket," said Brahm Ahmadi, the CEO of Community Foods Market. While he'd never owned a grocery store, Ahmadi understood what the absence of one could mean for a community."Families were disproportionately suffering from diet-related chronic diseases, diabetes, hypertension, heart disease," said Ahmadi. "And then all the residual, other negative impacts that has. For example, family members are sick, they can't work, and then income is reduced."After raising over several million dollars, Ahmadi's vision of a full-service market came to life one year ago."When the pandemic hit, I did still want to come to work because we need a store like this around," said employee Sharon Rance, who's worked at Community Foods Market since it opened."They were one of the stores that survived, they had the essential things we needed," said Eleanor, a local and regular customer. But like the big grocery store chains, the independent market was not immune to the overwhelmed supply chain."I think the whole industry was kind of caught off guard, and then we were also blown away by how difficult it was to build back having product in the store," said Ahmadi. He says changes in the industry are already happening, with manufacturers reducing the number of items they making to keep top-sellers consistently available. Ahmadi knew the market would have to step up efforts to continue serving the already economically fragile community."To help them stretch their even more limited dollars to make ends meet," said Ahmadi. With help from an emergency grant, they've been able to offer shoppers on food stamps a 50 percent discount on their entire purchase. They also began providing free delivery to seniors 65 and older.The market has never been busier. "My belief is this community deserves it, like any other neighborhood, and has the ability to support it," said Ahmadi.By fulfilling this basic human necessity, Ahmadi believes they're laying a foundation to help residents prosper in other areas. 2521

Texas Democratic Senate candidate Beto O'Rourke said at a CNN town hall Thursday night that he would still vote to impeach President Donald Trump.The El Paso congressman challenging Sen. Ted Cruz said that his position on impeachment hadn't changed, even as Cruz has used the issue to galvanize conservative voters against O'Rourke's campaign.Asked by CNN's Dana Bash if he had changed his mind after saying he'd vote to impeach Trump this summer, O'Rourke said, "I haven't."He pointed to the ongoing probe into whether Trump's 2016 campaign colluded with Russia."There may be an open question as to whether the President, then the candidate, sought to collude with the Russian government in 2016," O'Rourke said. "But to quote George Will -- very conservative columnist -- when we saw him on that stage in Helsinki defending Vladimir Putin, the head of the country that attacked our democracy in 2016 instead of this country, and its citizens and this amazing democracy, that was collusion in action."He continued, "You may have wondered when he fired James Comey, the principle investigator into what happened in that election, whether that was an attempt to obstruct justice. But when, by broad daylight on Twitter, he asked his attorney general, Jeff Sessions, to end the Russia investigation, I would say that's obstruction in action."O'Rourke then said he likens impeachment to an indictment."There is enough there to proceed to a trial," he said.O'Rourke said he "would not prejudge the outcome of that trial.""All I am saying is, there's enough there," he said. "I know that this is not politically easy or convenient to talk about, but 242 years into this experiment ... nothing guarantees us a 243rd or a 244th."The answer will likely fuel further attacks from Cruz, who repeatedly cited O'Rourke's comments that he'd vote to impeach Trump in their most recent debate Tuesday night in Texas. Trump won Texas in 2016 and is headed to Houston to campaign for Cruz on Monday.At that debate, O'Rourke -- who is trailing in polls despite shattering fundraising records for a Senate campaign, with a million haul in 2018's third quarter -- mimicked Trump's 2016 presidential campaign attacks on Cruz as "Lyin' Ted."O'Rourke told CNN's Bash Thursday night he had some regrets about the comment."It's not something that I feel totally comfortable with, and perhaps in the heat of the moment I took a step too far," O'Rourke said.Asked if he regrets the comment, O'Rourke said: "I don't know that that's the way that I want to be talking in this campaign."CNN invited Cruz multiple times to appear tonight in his own town hall, but he declined. 2657

Students at a school in N.W. Baltimore got quite the treat, and the internet can't get enough of it.Last week during a Black Heritage Program at Gwynns Falls Elementary principal Nikomar Mosley performed a vibrant step routine for his student body. Mosley is a member of historical black fraternity Omega Psi Phi, which traditionally performs step routines as part of the black Greek culture. 420

The average debt among undergraduate students with loans in the class of 2019 is ,950, according to a new report from The Institute of College Access and Success, a nonprofit focused on higher education research and advocacy.That debt marks a slight decrease from ,200 for the class of 2018. The percentage of students in the class of 2019 who took out loans also dropped compared with 2018, from 65% to 62%.Debbie Cochrane, executive vice president of TICAS, says these shifts align with a general flattening of debt levels in recent years, due in part to increased state investment in higher education. But this trend and that funding could end due to the economic effects of COVID-19.“These students graduated in 2019,” Cochrane says. “We’re now in the middle of an economic and health crisis that puts all those gains in jeopardy.”Average student debt over timeAverage student debt growth has slowed, but indebtedness has increased substantially since TICAS issued its initial report on the subject 15 years ago.“What’s clear is that despite the flattening in recent years, debt has not been flat in the longer period,” Cochrane says.In 2004, the average student debt was ,550 — roughly 56% less than it is for the class of 2019. TICAS says inflation was 36% over the same period of time.Average debt has increased even faster in some states. For example, TICAS found that debt among graduates in New Jersey has grown 107% since 2004, rising from ,223 to ,566.The pandemic will likely accelerate this growth.“Students who are still in college or considering college now have frequently seen their family’s ability to pay for school change dramatically because of the economic crisis,” Cochrane says.She says it’s unclear what policymakers will do to support these students.Managing federal student debtRelief is available to most federal loan borrowers, as their payments are suspended interest-free through Dec. 31.But once payments restart, if you owed the average debt of ,950, your monthly bills would be roughly 0, assuming an interest rate of 4.5% and a 10-year repayment term.That may be difficult to afford if you’re facing an economic hardship.You could continue to pause payments, but pay interest for doing so. A better long-term solution is enrolling in an income-driven repayment plan.“Income-driven plans usually can fit someone’s budget,” says Betsy Mayotte, president and founder of the nonprofit Institute of Student Loan Advisors.These plans set federal loan payments at a percentage of your discretionary income, typically 10%. Monthly payments can be <云转化_句子> if you earn below a certain amount.Options for private loan borrowersRoughly 16% of graduates in the class of 2019 have nonfederal loans, according to TICAS. If you’re among them, contact your lender immediately if you can’t afford payments.“I wouldn’t call after your first bill is due,” Mayotte says. “I would call before that and let them know you’re struggling.”She says you may be able to pause payments or make interest-only payments temporarily. You could also ask your co-signer for help, if you used one.Another option would be refinancing private loans at a lower rate. But you or a co-signer will need steady income and a credit score in at least the high 600s to qualify.For example, refinancing ,950 from 4.5% to 3.5% would reduce your monthly bill by and save you ,652 over a 10-year term. If you needed more wiggle room in your budget, you could refinance to a 15-year term to lower your payments by — but you’d pay ,249 more overall as a result.Use a student loan refinance calculator to help find the right repayment terms for you.If you have federal student loans, don’t refinance them until at least the payment suspension ends. Refinancing costs you access to that payment pause and other government programs like income-driven plans.More From NerdWallet2020 Student Loan Debt StatisticsIncome-Driven Repayment: Is It Right for You?How to Get Student Loan Relief During the Coronavirus and BeyondRyan Lane is a writer at NerdWallet. Email: rlane@nerdwallet.com. 4103

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