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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

The 2020 #TCSNYCMarathon, set to take place on Nov. 1, has been canceled due to coronavirus-related health and safety concerns. Registered runners will be contacted by July 15 regarding their cancellation resolution options, including a refund. Learn more: https://t.co/8TlWiekDss pic.twitter.com/mUnrcCayaz— TCS New York City Marathon (@nycmarathon) June 24, 2020 372

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 TAMPA, Fla. -- A woman who visited Hamburger Mary's in Tampa is suing the establishment for .5 million after she says she was injured by a drag queen's breast while at dinner with friends in 2015.Neldin Molina says she was with friends and family at the restaurant for dinner to celebrate a friend's birthday on May 30, 2015, according to the complaint. The suit says this was the first time Molina had ever visited the restaurant in Tampa. She claims when she entered the establishment, she didn't see any signs of any special events.She was eating her fish n' chips dinner at approximately 8:45 p.m. when she heard music and heard someone begin to speak and then the crowd cheered and clapped. She turned her chair around to see what was going on and saw a person dancing on the stage that was in the restaurant behind her to the left. She started watching and overheard another table say that the drag queen show was starting.At approximately 9:40 p.m., Molina turned around and saw performer Amanda D'Hod point at her and start to walk toward her table. Molina claims she immediately turned around to ignore the performance. A few minutes later, Molina felt someone touch her shoulders from behind her.According to the complaint, D'Hod walked in front of Molina and unexpectedly grabbed Molina's head and "wiggled her breast against the Plaintiff's face and head 8 times." D'Hod reportedly grabbed Molina's face and pushed it to the left and right before "violently pounding" it against D'Hod's chest "up to nine times." The complaint says Molina let a restaurant manager know that she was in "excruciating" pain and she was getting a headache and she filed a complaint. The manager told Molina he would notify and give the complaint to the owner who was not currently at the restaurant. Molina later went to the emergency room at Memorial Hospital of Tampa for "excruciating cervical pain and uncontrollable headaches."The manager called Molina weeks later and gave her Insurance information for her to follow up on the complaint. Molina is seeking .5 million for medical costs and expenses for the past, present and future, including the pain and suffering she physically and mentally endured. The complaint also states that Hamburger Mary's failed to advise anyone of the possible dangers while dining at the restaurant.   2431 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

TAMPA, Fla. -- A former Tampa Bay Lightning player is on his way to becoming a sworn firefighter for the city of Tampa.“I think it’s very similar to the teamwork, the bond together, the brotherhood. It keeps you in shape and it’s very important for us to keep people safe and I want to be a hero to my children,” said Nikita Alekseev.Alekseev is a former first-round draft pick for the Lightning. Since then, he’s studied, graduated from the fire academy, has had EMT training and is finishing his final days of recruit training for Tampa Fire Rescue over the next week.“I have a lot of friends in the service here. I’ve been in the stations throughout my career just visiting and I’m a big community guy so I really like to help the people of the city,” he said.On Thursday, he said his focus was on consistency and efficiency.“Obviously, we’re just starting out so I want to get as much info on every little situation where it’s gonna help me to save my life and my crew. It’s very important to listen to what the instructor’s saying,” he said.The city’s new hires ran through engine company operations, practicing with the fire hose, going through a building and putting water on a building.“It doesn’t matter how big you are, how strong you are, you have to have a technique. It’s a lot of water and you can’t win it. So a lot of good instructors showed me how to do the right things, how to position yourself right and so it helps a lot,” Alekseev said.His fellow recruits include newcomers and legacies, everyone starting from the same place no matter their background.“What I hope is they take the training out here, bring it to the street, continue the training to continue gaining experience, knowledge and becoming a well rounded professional firefighter,” said Tampa Fire Rescue Captain Dan Quatrino.Alekseev and 14 others are part of the department’s first recruit class during the pandemic.“It makes a lot of the day to day operations we do unique and new to all of us,” said Quatrino.After finishing their final days of training, they’ll be sworn in next week.“It’s a small step to achievement, I guess. I want to make proud of the instructors, my friends in the service, my family, my kids, so it’s not really about me it’s about who’s behind this,” said Alekseev.Alekseev said his message to others, is to have goals, work towards them and follow-through, no matter your age.“Ultimate goal? Stay as long, as much as I can and healthy. And I love this city and I want to serve this city as much, as long as I can,” he said.This story was originally published by Haley Bull at WFTS. 2604

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