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STURGIS, Mich. — If you’re not a cat person, keep reading.Ron Williams of Sturgis turns 85 in September. Not too long ago, to keep him company, a friend brought him a boy cat named Fluffy.Over the first few weeks they had together, Williams says he and Fluffy hit it off right away.“I looked at him and hey, I just fell in love with him,” said Williams.As it’s safe to say we all do with our pets, Williams talked to Fluffy quite a lot. When the senior got calls on his cellphone, he’d joke around with Fluffy then too.“The phone would ring, and I would say ‘ring-a-ding,’” said Williams. “And I didn’t know he’d pick up on it.”Then, a few days ago, Williams slipped and fell getting out of the shower. He couldn’t move.“My arm was pinned under me, and the hours kept going by,” said Williams. “16 hours…”From roughly 8 a.m. until midnight later that day, Williams laid in agony. The door was closed, and his Life Alert was in the other room on the charger. His phone was in the bathroom with him, but just out of reach on the counter.Lucky for Williams, Fluffy was in the room too. And whether or not he knew it, he’d been training Fluffy for this moment accidentally.“So I said ‘ring-a-ding Fluffy, you’re my only hope,’” Williams said, tearing up. “And he was. It wasn’t even five minutes later I felt something hit my hand. And I’m here because of it.”The cat had brought Williams his phone and he was able to dial 911.“I relive it a million times. What if he wouldn’t have been in there with me? I’d be dead today,” he added.Now Williams, who served with the U.S. Army in Korea, is fine – left only with some soreness and bumps and bruising. Compared to the alternative, he knows he’s lucky.“He’s my hero, and he always will be,” said Williams. “He’ll never be away from me until the day I die.”This story was originally published by Doug Reardon at WXMI. 1868

STOCKHOLM – Greta Thunberg showed support for Democratic presidential nominee Joe Biden in a rare political tweet Saturday.The 17-year-old environmental activist wrote that she doesn’t usually engage in party politics, but the upcoming U.S. election “is above and beyond that.”“From a climate perspective it’s very far from enough and many of you of course supported other candidates. But, I mean…you know…damn!” wrote Thunberg. “Just get organized and get everyone to vote #Biden.”In the same tweet, Thunberg shared an editorial piece from Scientific American that says, “choosing Donald Trump for president is choosing fiction over fact – a fatal mistake.” In September, the publication broke with its 175-year tradition of not endorsing presidential candidates and backed Biden.Thunberg has become a face of the movement to combat climate change.Thunberg has also been criticized by Trump in the past. When the activist was named Time’s Person of the Year in 2019, the president mocked her, saying she needed to “work on her anger management problem, then go to a good old-fashioned movie with a friend.”Trump has publicly dismissed the science on climate change. Last month, he said “I don’t think science knows” what it’s talking about regarding global warming and the resulting worsening of wildfires, hurricanes and other natural disasters. 1355

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 Statistics released by the U.S. Consumer Product Safety Commission on Friday claimed that 10,000 Americans were injured from firework mishaps in 2019, resulting in 12 fatalities.The agency says that 73% of the incidents occurred between June 21 and July 21. While seemingly more harmless than other fireworks, sparklers accounted for a plurality of the injuries, resulting in 900 injuries, half of those were from children under the age of 5.The CSPC said that fireworks killed at least 12 Americans in 2019, several of the deaths happened when victims held and ignited fireworks.With many local firework shows canceled or postponed this summer, there is concern over even more mishaps occurring this summer."Many Americans will not get to see the grand, professional fireworks displays this 4th of July given the cancellations of public celebrations and stay-at-home orders across the country. As an alternative, people are purchasing their own fireworks in an effort to recreate that tradition at home," said CPSC Commissioner Dana Baiocco. "The need for safety awareness regarding fireworks is greater than ever," she said, "and anyone who plans to use consumer fireworks this year should review and follow CPSC's simple safety tips to prevent injuries and incidents."The CSPC issued the following tips for a safe celebration:Never allow young children to play with, or ignite, fireworks, including sparklers. Sparklers burn at temperatures of about 2,000 degrees Fahrenheit—hot enough to melt some metals.Keep a bucket of water or a garden hose handy, in case of fire or other mishap.Light fireworks one at a time, then move away quickly.Never try to relight or handle malfunctioning fireworks. Soak them with water and throw them away.Never place any part of your body directly over a fireworks device when lighting the fuse. Move to a safe distance immediately after lighting fireworks.Never point or throw fireworks (including sparklers) at anyone.After fireworks complete their burning, douse the spent device with plenty of water from a bucket or hose before discarding the device to prevent a trash fire.Make sure fireworks are legal in your area, and only purchase fireworks that are labeled for consumer (not professional) use.For more fireworks safety tips, visit www.cpsc.gov/fireworks. 2308 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

STOCK MARKET UP BIG, VACCINE COMING SOON. REPORT 90% EFFECTIVE. SUCH GREAT NEWS!— Donald J. Trump (@realDonaldTrump) November 9, 2020 141

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