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New research shows more people 65 years old and older are filing for bankruptcy instead of retiring. The biggest cause of bankruptcies, according to a recent CNBC report, are medical bills. “Insurance, no matter what kind of insurance one has, typically only goes so far," says bankruptcy judge William J. Lafferty. "And when one has to actually start paying for those expenses, they rack up very quickly. It’s an immediate game changer for most families.”Another large factor is losing a job. 527
NORTH READING, Mass. – An off-duty police officer in Massachusetts is being credited with saving three people from an early morning house fire on Tuesday.The North Reading Police Department says Sgt. Thomas Encarnacao had just finished his shift and was on his way home when he noticed flames emerging from inside the home.After alerting dispatch of the fire, Encarnacao entered the home to alert the residents. He was able to locate a man sleeping on a coach at the front of the house and helped him outside to safety, according to police.The man told Encarnacao and other officers who had arrived to help that there were two more residents in the home, a 13-year-old boy sleeping in a back bedroom and a man in the basement of the home.The man in the basement was able to get out on his own after officers alerted him, but police say first responders had to pull the boy out through a window of a smoke-filled room.All three residents were evaluated by EMS at the scene and didn’t go to the hospital. No firefighters were injured. One officer suffered a cut to his hand while attempting to breach a basement window.Firefighters were able to put the blaze out, but the house ended up sustaining smoke, fire and water damage. Police say the residents were displaced and are being assisted by family members.The origin and cause of the fire is under investigation.“The work of the three officers this morning was truly courageous, and I am incredibly proud of them,” said Police Chief Michael Murphy. “Sgt. Encarnacao took decisive and immediate action, which very likely saved the lives of the residents inside the house. Once he got the first resident out, all three officers went back into the house, without protective gear, to look for additional residents. Their actions to get all of the residents out safely was truly heroic.” 1841
New research may be hard for some dog owners to accept; the study found that dogs do not understand every word a human says to them.The researchers say dogs cannot hear subtle differences between words the way humans can. For example, the difference between “dog” and “dig” sounds different to human ears, but not so different to dog ears.The researchers came to their conclusion after measuring brain activity of family dogs by taping electrodes to the animals’ heads. They then played recordings of instruction words they knew, like “sit,” then similar-sounding nonsense words, like “sut,” and finally an unrelated nonsense word or sound, like “bep.”The dogs in the study, who were not trained ahead of the study, could quickly tell the difference between the instruction words and the unrelated nonsense words."The brain activity is different when they listen to the instructions, which they know, and to the very different nonsense words, which means that dogs recognize these words," lead study author and postdoctoral researcher at E?tv?s Loránd University in Budapest, Lilla Magyari told CNN.So, the good news is, yes, dogs are listening to human words and understanding some.However, brain activity showed a similar reaction in the dogs between the instruction word and the similar nonsense word.Dogs are renowned for their auditory capacity and ability to hear words and sounds, however the results show they may not be able to distinguish between subtle speech sound differences.Magyari says more research is needed to understand why this is."They may just not realize that all details, the speech sounds, are really important in human speech. If you think of a normal dog: That dog is able to learn only a few instructions in its life," she told CNN.The study was published this week in the Royal Society Open Science journal. 1845
No criminal charges will be filed in relation to Prince's April 2016 death, Carver County attorney Mark Metz said in a news conference Thursday.Prince, who suffered from an opiate addiction, died of an accidental fentanyl overdose after taking counterfeit Vicodin pills that were laced with fentanyl, Metz said."Prince had no idea he was taking a counterfeit pill that could kill him," the attorney said. 412
NEW YORK (AP) — Wells Fargo CEO Charles Scharf is apologizing for comments he made about the difficulty of finding qualified Black executives. Scharf said in a memo released this week that “there is a very limited pool of black talent to recruit from” in corporate America. The comments and similar statements made in a Zoom meeting led to an intense backlash in Washington and from advocacy groups. Scharf on Wednesday said in a prepared statement that the comments he made reflect “my own unconscious bias.”“There is no question Wells Fargo has to make meaningful progress to increase diverse representation,” he wrote. 629
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