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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

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 The annual New York Toy Fair showed off some fo the newest and most innovative toys from big name brands like Lego, Mattel, and Hasbro.Although, some of them may give parents second thoughts on purchasing that new toy. One of the newest - and grossest - toys is the Poo-Dough. You know, it's practically Play-Dough and it looks like something you'd normally flush down the toilet, but luckily it comes without the smell.It allows you to shape the perfect stool with two different shades of brown dough. Another highlight of the toy fair is the Pop-A-Zit. It's for those that love to pop those pesky blemishes, but this time it comes without the pain. If that's too disturbing or not your cup of tea, there's the Toilet Paper Blaster. The gadget allows you to shoot toilet paper spit-wads out of something that resembles a Super Soaker. This year, more than 1,000 exhibitors flocked to New York City to show their toys and attempt to lure in distributors.In 2017, kids went crazy for Fingerlings, FurReal Pets and L.O.L. Surprise, all of which made an appearance at Toy Fair. 1117 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

Summer camps have been among a number of spots that have been known as “super spreaders” of the coronavirus,” locations where dozens or even hundreds of infections have spread.While there is an inherent risk with holding camps amid the coronavirus pandemic, the CDC says with proper precautions, the risk can be minimized.This week, the CDC outlined efforts by four summer camps in Maine held over the summer. The camps combined for more than 1,000 attendees coming from 41 states or territories. The result was a success, with only three known asymptomatic cases of the virus stemming from the camps. Testing played a key role in minimizing the risk. The attendees were tested days before coming to the camp. Of 1,022 attendees, four tested positive, which delayed their arrival. Attendees were also told to isolate in the days leading up to their arrival.Once at the camp, attendees were frequently checked for symptoms. During the camp, 12 people were isolated at times due to presenting symptoms, but all tested negative for the coronavirus. There were also three cases identified during the camps among asymptomatic attendees, two of whom were staffers. The three attendees were isolated for 10 days and not cleared until receiving two negative tests.“Thoughtful and prudent public health practices used during overnight summer camps in Maine reinforces how powerful everyday preventive actions are in reducing and keeping COVID-19 transmission low,” CDC director Robert Redfield. “Despite more than 1,000 campers and staff from nearly every state and seven countries, only three people tested positive for COVID-19 during the camp and no additional campers or staff were known to be infected. Using a combination of proven public health strategies to slow the spread of COVID-19, campers and staff were able to enjoy a traditional summer pastime amid a global pandemic.”To read more about how the camps avoided an outbreak of the coronavirus, click here. 1968

Sticking to a normal daily rhythm -- being active during the day and sleeping at night -- can have more benefits than you might expect.A new study found that it is linked to improvements in mood and cognitive functioning as well as a decreased likelihood of developing major depression and bipolar disorder.The study, published Tuesday in the journal The Lancet Psychiatry, looked at disruptions in the circadian rhythms -- or daily sleep-wake cycles -- of over 91,000 adults in the United Kingdom. It measured these disruptions using a device called an accelerometer that is worn on the wrist and measures one's daily activity levels. The participants were taken from the UK Biobank, a large cohort of over half a million UK adults ages 37 to 73.The researchers found that individuals with more circadian rhythm disruptions -- defined as increased activity at night, decreased activity during the day or both -- were significantly more likely to have symptoms consistent with bipolar disorder or major depression. They were also more likely to have decreased feelings of well-being and to have reduced cognitive functioning, based on a computer-generated reaction time test.For all participants, activity levels were measured over a seven-day period in either 2013 or 2014, and mental health proxies such as mood and cognitive functioning were measured using an online mental health questionnaire that participants filled out in 2016 or 2017."It's widely known that a good night's sleep is a good thing for well-being and health. That's not a big surprise," said?Dr. Daniel Smith, professor of psychiatry at the University of Glasgow and a leading author on the study. "But I think what's less well-known and what comes out of this work is that not only is a good night's sleep important, but having a regular rhythm of being active in daylight and inactive in darkness over time is important for mental well-being."The findings were found to be consistent even when controlling for a number of influential factors including age, sex, lifestyle, education and body mass index, according to Smith."I think one of the striking things that we found was just the consistency in the direction of our association across everything we looked at in terms of mental health," Smith said.Daily circadian rhythm is controlled by a collection of neurons in an area of the brain called the hypothalamus. The hypothalamus helps regulate a number of important behavioral and physiological functions such as body temperature, eating and drinking habits, emotional well-being and sleep, according to the?National Institute of General Medical Sciences.The findings are consistent with research indicating a link between sleep disruptions and mood disorders. A 2009 study, for example, showed that men who worked night shifts for four years or more were more likely to have anxiety and depression than those who work during the day.However, the new study is the first to use objective measurements of daily activity and is among the largest of its kind, according to?Aiden Doherty, senior research fellow at the University of Oxford, who was not involved in the research."This study is the first large-scale investigation of the association of objectively measured circadian rhythmicity with various mental health, well-being, personality and cognitive outcomes, with an unprecedented sample size of more than 90 000 participants," Doherty wrote in an email."Previous studies have been very small (in just a few hundred people), or relied on self-report measures (asking people what they think they do). ... However, this study used objective device-based measures in over 90,000 participants; and then linked this information to standard measures of mood disorders, subjective well-being, and cognitive function," he added.The findings have significant public health consequences, particularly for those who live in urban areas, where circadian rhythms are often disrupted due to artificial light, according to Smith."By 2030, two-thirds of the world's population will be living in cities, and we know that living in an urban environment can be pretty toxic to your circadian system because of all the artificial light that you're exposed to," Smith said."So we need to think about ways to help people tune in to their natural rhythms of activity and sleeping more effectively. Hopefully, that will protect a lot of people from mood disorders."For those who struggle to maintain a consistent circadian rhythm, certain strategies -- such as avoiding technology at night -- have proven to be an important part of good sleep hygiene."Not using your phone late at night and having a regular pattern of sleeping is really important," Smith said. "But equally important is a pattern of exposing yourself to sunshine and daylight in the morning and doing activity in the morning or midday so you can actually sleep properly."Based on the observational nature of the study, the researchers were unable to show causality, meaning it is unclear whether the sleep disturbances caused the mental health problems or vice versa."It's a cross-sectional study, so we can't say anything about cause and effect or what came first, the mood disorder or the circadian disruption," said Kristen Knutson, associate professor of neurology at Northwestern's Feinberg School of Medicine, who was not involved in the study."And it's likely they affect each other in a circular fashion," she added.The researchers also looked exclusively at adults between age 37 and 73, meaning the results may not apply to younger individuals, whose circadian rhythms are known to be different than those of older adults, according to Smith."The circadian system changes throughout life. If you've got kids, you know that very young kids tend to be nocturnal," Smith said. "My suspicion is that we might observe even more pronounced effects in younger samples, but that hasn't been done yet, to my knowledge."But the study adds more credence to the idea that sleep hygiene -- including maintaining a consistent pattern of sleep and wake cycles -- may be an important component of good mental health, according to Smith."It's an exciting time for this kind of research because it's beginning to have some real-world applications," Smith said. "And from my point of view as a psychiatrist, I think it's probably under-recognized in psychiatry how important healthy circadian function is, but it's an area that we're trying to develop." 6496

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