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The Humane Society of the Treasure Coast in Florida takes in plenty of stray cats, many of which are either lost or in need of a loving home."Let me tell you, this is why I love working here," said volunteer program coordinator Sarah Fisher.Two weeks ago, an orange tabby cat showed up at the center."He was just found on the street, he was brought in," she said. "He had fleas, he was skinny."The cat had a microchip and it turned out he'd been missing for a very long."It's amazing," said Fisher. "It's unheard of."That's when Perry Martin -- a retired Fort Pierce K9 officer -- got the call from his veterinarian's office."They said, 'Perry what would you do if we told you that T2 was alive?' And I said, 'I'd probably tell you you're crazy because he died a long long time ago!'"Martin adopted Thomas Jr., also known as T2, back in 2002."He was a stray. Just kind of showed up," he said. "Took him to the vet, gave him his shots and that's when he got his microchip."He had him for a couple of years until the cat escaped during the aftermath of Hurricane Jeanne in 2004."People didn't have air conditioning, so as time went on people left their windows and screens open," he said. "I was staying in Stuart at the time and he slipped out."Martin was fearful that T2 had possibly been hit by a car on a nearby highway."I filed a report with the Humane Society, in case animal control picked him up," he said. "He had a microchip and I thought someone would just call me if they found him."But he never thought it would take 14 years for that to happen."My vet even listed him as deceased," Martin said.When Martin was reunited with T2, it was like seeing a ghost.“As soon as I looked at that face, I knew exactly who he was. A little bit older, kind of like me," he said. "I'm convinced he had to have had somebody bring him into their house. He must have been part of somebody's family and maybe he got out. I just can't see him living wild in the area I figured he would be."The Humane Society said T2's journey shows the importance of micro-chipping and keeping it updated."The microchip wasn't updated and it was an old phone number. We were able to track down the original owner," said Fisher."The national average for cats that get reunited with their owners -- is only two percent. The majority of them, they don't get microchipped. For dogs, it's 20 percent," Fisher added.Martin said he hopes others will think about microchipping their pets and updating their information ahead of hurricane season this year."Just update your information, your alternate information and your vet's information. They'll scan them and hopefully you'll get your pet back. You never know," he said.T2 is now about 18 years old and is weak, but eating well."Since he got home, he's eating, he's drinking, he's moving around," Martin said.Martin now helps train service dogs and recently added a new addition to the household with Sassy, the golden retriever. He said Sassy is gentle with T2, as he lives out the rest of his days with a new friend and an old friend."He had an opportunity to come home, spend time with his family and be on a good note when he passes," Martin said. "Until that day, he'll be spoiled like he was before he left." 3273

The man suspected of killing a prominent Houston doctor in broad daylight two weeks ago fatally shot himself in the head as two police officers confronted him on Friday morning, Police Chief Art Acevedo said.Joseph Pappas, wearing a bulletproof vest under his shirt, killed himself outdoors in a tree-lined residential area northwest of his Houston home, shortly after a city employee reported seeing Pappas and finding a wallet he'd left on the ground, Acevedo said.Pappas' death ends a days-long manhunt for the 62-year-old real estate agent and former constable, who investigators say painstakingly planned the killing of Dr. Mark Hausknecht, possibly as revenge for his mother's death 20 years ago under the doctor's care. 734

The president of a California university is apologizing to one of his professors and her family after they were allegedly racially profiled on campus.In a thread on social media, Danielle Morgan outlined how officers escorted her brother to her house on campus at Santa Clara University over the weekend. She is an assistant professor in the College of Arts and Sciences.Morgan recalls that her brother came to the door and said the officers needed her to come out and “vouch for me.” Morgan told CNN she was asked to produce ID to prove who she was and where she lived.“I asked what the issue was and he (the officer) said my brother was ‘in the bushes’ and it was ‘suspicious’ and they thought he may have been homeless. I asked why I needed to show ID at my own home. He said ‘Well, it's not your home. The University owns it,’” Morgan said. 852

The NFL is further limiting player access to team facilities as it attempts to enhance safety measures during the pandemic.In a memo sent to the 32 clubs and obtained by The Associated Press, teams must close their facilities for two days after games, with some exceptions.Beginning Monday, all teams playing on a Sunday must close those facilities for the next two days.Only players needing medical attention for injuries or in rehab programs may enter the team complex.Coaches can access the facility but must work in their own offices and can't conduct meetings except virtually.The Associated Press reported that players that play on Monday couldn't access their facilities until Thursday, and facilities must remain closed until Sunday to players who play Thursday.According to USA Today, who was the first to report the memo, the league is also lifting its 62-player road game limit for teams, which will allow teams to fill its 48-man gameday roster with practice squad players in case issues arise with the coronavirus. This change will go into effect this week.All players who plan to attend a game must also stay at the team hotel the night before the game, The AP reported.The league had its second major outbreak in the last two weeks, with the Baltimore Ravens having at least two dozen people testing positive. 1332

The mystery isn’t why so many people file for bankruptcy each year. It’s why more people don’t.Each year, only a fraction of the Americans who could benefit financially from bankruptcy actually seek relief. Economists say some don’t file because collectors aren’t aggressively pursuing them, while others may strategically delay filing because bankruptcy could benefit them more down the road.Many bankruptcy attorneys have a much simpler explanation: Fear, a lack of information and misplaced optimism keep people from getting a fresh start.A temporary pauseAbout 14% of U.S. households — or roughly 17 million — owe more than they own, according to Federal Reserve Bank of New York estimates. Many of these households could benefit from having their debts wiped out, but fewer than 1% of U.S. households actually file for bankruptcy each year. Last year, there were 752,160 personal bankruptcy filings. Researchers refer to this gap as “missing bankruptcies” — the filings that could be happening, but aren’t.Now, there’s an additional set of missing bankruptcies: the cases people normally would have filed in recent months, but haven’t. Bankruptcy filings dropped dramatically in the second quarter of this year, to about 60% of the average for the previous five years.Courthouses were shuttered by pandemic closures, which made it harder for creditors to pursue foreclosures and wage garnishments. Those are two big drivers of consumer bankruptcy filings, says David Cox, a bankruptcy attorney in Lynchburg, Virginia, and co-author of “Consumer Bankruptcy: Fundamentals of Chapter 7 and Chapter 13 of the U.S. Bankruptcy Code.”Borrowers have benefited from various forms of coronavirus relief, such as suspended payments on federal student loans, mortgage forbearance and expanded hardship options for loans and credit card accounts. The 0 weekly bump in unemployment checks, which expired in July, also kept many people afloat, Cox says.Lower jobless benefits, along with the reopening of courts and continued high unemployment, mean the lull in bankruptcy filings is likely temporary, says Jenny Doling, a bankruptcy attorney in Palm Desert, California, who serves on the American Bankruptcy Institute’s Chapter 13 Advisory Committee.She worries that people will wait too long to file. Too often, people drain retirement funds or other assets that would be protected in bankruptcy to pay debts that will ultimately be erased, she says. Putting off bankruptcy also can make it harder to come up with the ,500 needed to file a typical case.You won’t lose everythingCox says many of his clients delay filing because they fear they will lose cars, homes and other property. They are pleasantly surprised that they aren’t stripped of everything they own, he says.“There’s a misunderstanding about how bankruptcy works and what it would take from you,” Cox says.The vast majority of people who file the most common type of bankruptcy, Chapter 7, don’t have to give up any of their possessions. The types and amount of property you can keep vary by state, but typically include clothing, professional tools, wedding rings and at least some equity in your home. A few thousand dollars of equity in a car is usually protected as well. If you have assets that wouldn’t be protected in Chapter 7, you could file for a Chapter 13 repayment plan instead.You can get credit againA bankruptcy filing remains on your credit reports for up to 10 years. But credit scores can start to recover soon after you file. It’s possible to get a VA or FHA mortgage two years after a bankruptcy. Most loans require you to wait at least four years.People can start to rebuild credit a few months after their bankruptcy case is discharged by getting secured credit cards, which require a deposit, or credit-builder loans, available from some credit unions, community banks and online.The problem with anxiety — or unrealistic optimismDebt often leads to anxiety and depression that makes taking action difficult, Cox says. Many of his clients arrive at their first meeting with grocery sacks full of unopened bills.But misplaced optimism can also be a problem. The same hopefulness that causes people to take on too much debt also can lead them to put off the reckoning, he says.“You always think, ‘Our income’s going to increase, things will be better going forward,’” Cox says.Anyone struggling with debt now should consider consulting a bankruptcy attorney, Doling says. The first visit is often free, and referrals are available from the National Association of Consumer Bankruptcy Attorneys. Consulting with an attorney doesn’t obligate you to file, but it could help you avoid expensive mistakes if you later decide that’s your best option.“The people who do much better in bankruptcy are the ones who came in and got advice early on,” Doling says.This article was written by NerdWallet and was originally published by the Associated Press.More From NerdWalletSmart Money Podcast: Used Cars in Short Supply, and Shea Couleé Talks About MoneyHow Frugal Fashionistas Can Stay on TrendAre Medicare Advantage Plans Worth the Risk?Liz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. 5211