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in connection with the disappearance of two Wisconsin brothers.Garland Nelson, 25, was charged with two counts of first-degree murder in connection with the deaths of Nicholas Diemel, 34, and Justin Diemel, 24, according to court records. The Braymer man was also charged with two counts of abandonment of a corpse, two counts of tampering with physical evidence, two counts of armed criminal action, and unlawful possession of a firearm.Nelson was arrested in July, shortly after the brothers’ disappearance, on 515

— and he's got the scars to prove it.Kyle Lano says the e-cigarettes he thought were a safer alternative to smoking were instead a more efficient way to die.There are now 9 million vapers in the United States and a measly 450 who have suffered severe lung illness. In the minds of many vapers, the numbers don't warrant the health hysteria now sweeping the nation.Or at least that's what 21-year-old Lano told himself and anyone else who would listen."I would always argue how safe it was until those e-cigarettes took effect on me," he said.One year ago, the self-proclaimed vaping fanatic suffered a collapsed left lung."At this time, I didn't think vaping had anything to do with it," he said. "And I told my family and the doctors that same thing. So, I didn't stop."His vaping habit, what he calls his addiction to the vaporized nicotine, continued unabated following his hospitalization."I liked the clouds and the nicotine," he said. "I was really into it."Then, this summer, his love of vaping collapsed, along with his right lung."My chest just got really tight and I felt a sharp pain come right back up to my chest," Lano said.His choice of whether to quit had been flanked by his addiction."Now I believe it's vaping because it's the only thing I'm doing," Lano said. "There's no other reason why my lungs should've collapsed the way they did."Lano spent six days in the hospital this time. It cost his family thousands. But much worse, he said, it cost him one-third of his right lung and a lifetime of diminished lung capacity."I didn't know how serious it was until I was actually in the hospital and they showed me how small my lung was," he said.A smoker gets plenty of warning before major health effects set in. That includes years of coughing, a loss of taste and smell. They are all precursors to something worse is on the horizon. However, for vapers like Lano, symptoms don't include a heads up — and we could be years from understanding why.Dr. Christian Thurstone is the Director of Behavior Health at Denver Health. He knows why teens and young adults get hooked on vaping. It's the same reason anyone can get hooked on smoking: nicotine. But what he calls the Russian roulette being played by millions with vaping is mind-boggling to him.And, until more is known about what's going into vaping juices, his advice is the same today as it was when vaping hit the U. S. market more than a decade ago."Until we know a lot more information about exactly what ingredient is in the vape juice that's causing these deaths and serious illnesses, the best advice is to stay away from vaping," Thurstone siad.That's terrible news for the vaping industry, which is largely unregulated and now under tremendous scrutiny. Still, 40% of Denver teens have tried vaping, and half of those were still vaping this month.Lano sees the continued popularity of vaping among teens and young adults and pictures an entire generation clouded by false claims and fancy flavors. He fears the real costs of this "untested" habit coming into focus far too late."We have our whole lives ahead of us, and we're going to end up on oxygen in our 20s and 30s," Lano said.Vaping has quickly become one of the most popular addictions for an entire generation.While vaping supporters insist cases of severe lung illnesses and death are only tied to those users who load their vaping devices with black market THC products and tainted juice pods, Thurstone has seen a different science. It's convinced him dangerous oils and heavy metals can show up in just about any vaping pod. Thurstone says that to assume a vape pod doesn't contain dangerous chemicals is little more than a user taking a leap of faith.This story was originally published by David Klugh on 3751

You don’t have to make another federal student loan payment in 2020. Now is the time, though, to decide what to do before your bill arrives in January 2021.Federal student loan borrowers were already in an automatic interest-free pause on payments as part of the original coronavirus relief bill, known as the CARES Act. This pause was expected to expire Sept. 30, but an extension of the forbearance through Dec. 31 was directed in a memorandum signed by President Donald Trump on Aug. 8.However, it’s uncertain that all the student loan relief measures included in the original CARES Act, such as a pause on collection activities, will also continue.“The language of the executive order is not clear,” says Betsy Mayotte, president and founder of The Institute of Student Loan Advisors. It’s also possible, she says, that Congress will make additional changes before the current automatic forbearance period ends.For now, the forbearance extension is to begin Oct. 1 and run through the end of the year, barring any legal challenge. The Department of Education is expected to issue additional guidance in the coming days on the details of the memorandum.Here’s what the student loan payment relief extension is likely to mean for you, depending on your situation:You have federal loans and face financial hardshipAlthough January 2021 is just a few months away, it’s enough time to make a change to your federal loan payments and avoid defaulting on the loans.“There is no harm or downside in talking to your servicer now,” says Scott Buchanan, executive director of Student Loan Servicing Alliance, the trade association of student loan servicers. “You want to be well-prepared for whenever this does expire.”If you know you’ll have difficulty repaying the debt, contact your servicer now about enrolling in an income-driven repayment, or IDR plan — it caps payments at a portion of your income and extends the repayment term. If you don’t have a job, your payment could be zero. If you’re already enrolled in IDR, make sure to recertify your income if it has changed.You can still make payments on your federal loansIf your finances haven’t been affected by the economic downturn, you can use this time to prioritize financial goals.Consider making payments toward the principal on your federal loans to lower your overall debt. Since your loans are on automatic forbearance, you’ll need to contact the servicer to do so.You can also make a dent in other financial goals, such as paying down credit card debt or padding your emergency fund.Your federal student loans are in default or rehabilitationAll collection activities on federal student loans are suspended through Sept. 30, such as wage garnishment and collection calls. However, experts say, the new memorandum doesn’t specifically indicate that collections would be suspended through the end of the year.Similarly, if you’re currently rehabilitating defaulted student loans, the original six months of nonpayment counted toward the nine needed to complete the process. But the memorandum doesn’t specify this would continue under the forbearance extension. Contact your servicer for more information.You’re pursuing Public Service Loan ForgivenessFederal student loan borrowers pursuing Public Service Loan Forgiveness don’t need to make payments until Sept. 30. Those months of nonpayment still count toward the 120 payments needed to qualify for PSLF as long as you’re still working full time for an eligible employer.However, there is no indication yet that the new memorandum applies to borrowers pursuing PSLF, experts say. Contact your servicer to find out if the additional months of forbearance would count toward PSLF. If not, consider making payments during this time to keep on track.You recently graduated from collegeIf you were expecting to start making payments on your loan within the period of extended forbearance, your first payment won’t be due until January. Usually, interest accrues during a grace period, but if your six-month grace period overlaps with the administrative forbearance period, interest won’t grow.Use this time to find out who your servicer is and what your first bill will look like.If you think you can’t make your minimum payment come January, you can apply for an income-driven repayment plan to cap payments at a portion of your income (it could be zero if you don’t have a job). Apply for income-driven repayment at least two months before repayment starts.You’re taking time off from schoolFederal loans typically have a grace period of six months after you leave school. If you have student loans and last attended school in the spring, your payments would start to come due this fall. The extended forbearance period would delay your first payment until January.When you resume classes, you can defer payments until you finish school as long as you are enrolled at least half time. But student loans get only one grace period; you won’t have another after you graduate or leave school again.You have private student loansYour lender may offer private student loan relief in the form of a payment pause or reduced payments. While a number of lenders structured relief plans to end Sept. 30, many are open to an extension or additional relief.Contact your lender to ask about additional deferments or payment reductions. You can also apply for existing loan modification programs for financial hardship. These will vary from lender to lender — but interest will continue to accrue, unlike with federal loans.You’ll likely have to apply for private loan relief individually since most lenders aren’t making payment pauses or loan modifications automatic, Mayotte says.You have nongovernment owned FFEL or Perkins loansStudent loan borrowers with the Federal Family Education Loan (FFEL) Program or Federal Perkins loans not owned by the Education Department don’t have access to the automatic forbearance.To take advantage of the forbearance, you’ll need to combine your loans into a federal direct consolidation loan. Consolidating loans will cause any unpaid interest to capitalize, or be added to the principal balance. Contact your loan servicer to determine how consolidation will affect the total repayment amount, interest rate and loan balance.More From NerdWalletHow to Get an Unemployment Deferment for Your Student Loans7 Kinds of COVID-19 Relief for College StudentsDon’t Fall for COVID-19 Student Loan Relief ScamsAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 6537

Political Analyst John Dadian said this trip isn't just for the President, "we assume that he's going to run for President in 2024 so all of these contacts he's making throughout the country, even here in California are going to help him in his personal future."On Friday, Pence plans to visit the Donna 306

WOODBRIDGE, Calif. (AP) — An 11-year-old Northern California boy died after shooting himself during a Zoom distance-learning class while his microphone and camera were off.The San Joaquin County Sheriff's Office says deputies were called to a home in Woodbridge Wednesday morning and found the boy with a self-inflicted head wound. He died at a hospital.Deputies told KOVR-TV that the boy's microphone and camera were off when he shot himself during a sixth-grade Zoom class.The Woodbridge Elementary School student's name and other details weren't immediately released.The school district is offering counseling and bereavement support to staff and students. 667