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Heather Hyland, a self-proclaimed bug nerd, has found a love for mosquitos despite the diseases they carry.“I have loved bugs I would say since I was about 2 years old,” Hyland said.Initially a public information officer for the Orange County Mosquito and Vector Control District in Southern California, she said her bug fascination was because so many people don't like them. So, as a child, Hyland thought, someone should love them. That love turned into entomology.“They’re so interesting. They’re these intricate little tiny bugs with the capability to do big things. If you look at how prehistoric a mosquito is, it has six mouth parts. There’s so many different things they can do that are big,” Hyland said.Mosquitos can transmit disease, sense heat, even smell carbon dioxide coming out of human bodies. In Orange County, vector control employees normally see an average of 24 mosquitos in a trap. Now, they're seeing 118."We do look at the region - Los Angeles, Riverside, San Diego - have already had positive West Nile mosquitos in their traps,” she said. “Our district lines are invisible. There’s no line (to) say ‘no mosquitos or birds with West Nile, don’t come this way.’”It's only a matter of time before those county and state lines are blurred. Mosquitos don't see barriers. And then, there's the coronavirus factor.“People are staying home due to COVID regulations so people are gardening, more projects, more plants, watering more,” Hyland said. “Those lead to cryptic sources so you’ll have little tiny pockets around your yard with standing water.”Some aren't maintaining pools due to financial reasons. And pools are a large breeding ground. In Lee County, Florida, inspectors are shown on social media checking storm drains which are big breeding sources.They're also fighting the bug battle from above, posting their helicopter images on social media, documenting the effort to go after "salt marsh" mosquitoes. 1945

Heading into the workforce saddled with student loan debt can make any new graduate panic. But many borrowers have the power to make their loan payments more manageable — and fail to take advantage of it.A new NerdWallet analysis puts the Class of 2018 in retirement at age 72 after years of careful budgeting, debt repayment and savings. The first 10 years of that long-term financial plan is spent siphoning a considerable amount into student loan payments, though the analysis indicates stretching that repayment term out could make saving for retirement and even their first home a little easier.“The 10-year repayment plan is the one federal loan borrowers are automatically funneled into, unless they pick a different one,” says Brianna McGurran, NerdWallet student loans expert. “But there are lots of other options out there.”Most student borrowers are in a 10-year repayment plan, which is a strong option for getting rid of their loans fast — if they can afford it. Just 39% of recent undergraduates who have student loan debt think it’s likely they’ll pay off their loans in a decade, according to a related online survey conducted by The Harris Poll.Their doubt is understandable — the NerdWallet analysis indicates new graduates with an average amount of loan debt would have payments of approximately 0 each month for 10 years. Higher-than-average student debt, additional debt burdens, unexpected financial blows, or a lower-paying first job out of school could make these payments unmanageable.“It’s up to grads to learn about what’s available and advocate for themselves with their student loan servicers to get what they need,” McGurran says.By contacting their servicer, federal borrowers can change their repayment plan or otherwise ease up the payments with one of these approaches:Graduated repayment plan. Payments start lower and increase every two years with a graduated repayment plan, but the repayment term remains at 10 years total. This may be a good option if your ability to pay will increase as you move through the first several years of your career.Extended repayment plan. Moving into an extended repayment plan will stretch your loan payments out to 25 years. Your monthly responsibility will be lower, but you’ll pay more in interest during that time.Income-driven repayment. There are four income-driven repayment plans available for federal student loan borrowers. These cap your monthly payments at 10%-20% of your income, and extend the repayment term to 20 or 25 years. You’ll pay more in interest due to the longer term, and income-driven repayment plans require you to reapply each year.Consolidation. Federal student loan consolidation won’t likely lower your payments dramatically, but it can put multiple loans into a single payment. It’s also a good option if you’re in default and want to get your student debt back in good standing.Refinancing. Student loan refinancing can give you a lower interest rate and therefore lower payments, but it requires a credit score in the high 600s at least. Because refinancing makes you ineligible for income-driven repayment options in the future, this option is best for people with higher incomes.More From NerdWallet 3278

HERNANDO COUNTY, Fla. — An infant boy died on Friday after being left in a hot car in Hernando County, Fla., officials say.Deputies and Fire Rescue responded to the scene Friday morning in the 12000 block of Elgin Boulevard in Spring Hill just after 11 a.m. after received a call about an infant who had just been removed from a hot car.Hernando County Sheriff's Office officials say that 9-month-old Keyton O’Callaghan was rushed to a nearby Oak Hill Hospital in critical condition. He was pronounced dead at 12:06 p.m. Investigators say that Keyton had been in the care of his mother, Cami Lee Moyer, 38, since Thursday night. HCSO says that the infant's father, Eric O'Callahan, 32, came home and found Keyton in the vehicle parked on the driveway in front of the home. Deputies say O'Callahan took the infant inside where he began performing CPR on the child while he was on the phone with 911. He continued to perform CPR until fire rescue arrived and took over.At this time, officials do not know how long Keyton was left in the car. Detectives are still working to establish a chronological timeline of events.“If you think you might forget, put a shoe back there. Take it off your foot and put it back there. Put your phone back there," Denise Moloney with HCSO said in a press conference. "It’s sad to say, but you’re gonna remember your phone, how are you not gonna remember your child?”Investigators are currently interviewing Moyer and say it is possible that she will face charges.The official temperature in nearby Brooksville was recorded at 86 with a feels-like temperature of 97 in the 11 a.m. hour. on Friday. 1710

Good news and bad news from the IRS this July.The good: the agency reopened for business as of July 13th, which means it is now taking phone calls and processing tax filings as quickly as possible.The bad: during a year when every dime counts, the agency says as many as 4.7 million tax refunds will be delayed another few months.Cristy Mack is one of them. She and her husband never wait to file their taxes because she depends on her refund.But like almost five million other people, they still file paper returns because they are most comfortable doing that."We mailed our paper forms at the end of February," she said.But five months later, Mack still doesn't have her refund."A total of 18 weeks have gone by since we mailed in our return," Mack said.She tried calling the IRS, she says, but like countless other taxpayers, ran into a brick wall."They say they aren't taking calls at the moment," she said.Why refunds are taking so long this yearThe IRS's national taxpayer advocate now says as 4.7 million people who filed paper returns will have very late refunds.That's because the agency furloughed thousands of workers this spring and stopped processing paper returns for two months, creating a huge backlog.Paper processing has restarted, but workers are far behind.Mack needs her tax refund badly."It means a lot to us," she said. "Especially with everything going on, and my husband's job has been really slow, and we are making less.We passed Mack's information on to the IRS, though it may not make a difference if her return is buried in a stack of thousands."When you rely on that as part of your income and it's not there, it does make things a little sketchy sometimes," she said.And with the IRS extending the tax deadline to July 15 this year, even more paper returns are about to be added to the stack.If you are still waiting for your refund, all you can do is log on the IRS website, go to the "Where's my Refund" section, and cross your fingers.As always, don't waste your money.Don't Waste Your Money" is a registered trademark of Scripps Media, Inc. ("Scripps").Like" John Matarese Money on FacebookFollow John on Instagram @johnmataresemoneyFollow John on Twitter (@JohnMatarese)For more consumer news and money saving advice, go to www.dontwasteyourmoney.com. 2296

HILLCREST (KGTV) - Thousands enjoyed drinks, food, shopping and dancing at the 35th Annual CityFest Art and Music Festival in Hillcrest Sunday.More than 250 vendors lined the streets, some sending fragrances into the air that would make you drool. There were hundreds of art pieces for sale along the nine blocks the festival covered.Some visitors came in costumes, there were people on stilts and everywhere you looked, everyone was wearing a smile. 488

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