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While officials in Puerto Rico placed the official death toll from last year's Hurricane Maria at 64, researchers from Harvard believe the death toll was actually in the thousands. According to Harvard's study, there were an estimated 4,645 deaths directly or indirectly tied to the hurricane, which struck the island in September. Harvard estimated a mortality rate of 14.3 deaths per 1.000 people from September 20 through December 31, 2017 in Puerto Rico. Harvard said in its study that it believes its estimate is rather conservative due to a "survivor bias."Harvard conducted the study by performing a random survey of 3,299 households in Puerto Rico. "In our survey, interruption of medical care was the primary cause of sustained high mortality rates in the months after the hurricane, a finding consistent with the widely reported disruption of health systems," the study says. "Growing numbers of persons have chronic diseases and use sophisticated pharmaceutical and mechanical support that is dependent on electricity. Chronically ill patients are particularly vulnerable to disruptions in basic utilities, which highlights the need for these patients, their communities, and their providers to have contingency plans during and after disasters."Part of why there the death toll might have been underreported is due to how hurricane-related deaths are counted. In order to have a death counted as storm related, bodies had looked at by a medical examiner, which required a body to be transported to San Juan, or the medical examiner to travel to remote locations. With a lack of electricity and blocked roads, some bodies were likely buried before the government could count fatalities. Maria is considered the third-costliest hurricane in US history.  1816

When exploring mortgage options, it’s likely you’ll hear about Federal Housing Administration and conventional loans. Let’s see, FHA loans are for first-time home buyers and conventional mortgages are for more established buyers — is that it?Not necessarily.Actually, the differences between FHA loans and conventional mortgages have narrowed in the past few years. Since 1934, loans guaranteed by the FHAn have been a go-to option for first-time home buyers because they feature low down payments and relaxed credit requirements.But conventional loans — which are not insured by a government agency like the FHA, the Department of Veterans Affairs or the U.S. Department of Agriculture — have gotten more competitive lately.Both types of loans have their advantages. Here are the factors to consider when deciding between an FHA and a conventional mortgage. 886

When Dan Margenau bought his new house, he found squatters making a big mess.“Footprints all over; carpet is dirty,” the new homeowner said. “They’re troublesome little creatures.”That’s right, creatures -- a family of racoons living rent free in his attic.“It’s frustrating to deal with,” Margenau said.Frustrating, costly and potentially dangerous.That’s when Margenau called Whitmore Pest and Wildlife Control.Worker Jonathan Mulder says his company has received a massive spike in calls lately. He believes the increase is linked to more people staying home due to the coronavirus pandemic.“Unfortunately, COVID happened at a time when we were already knowing that we were going to get a higher call volume,” Mulder said.Across the country, more people are seeing an increase in pest problems.In New York City, the Centers for Disease Control and Prevention issued a warning about aggressive rats starving for food scraps as restaurants shutdown during the pandemic.Down south in Hoover, Alabama, veterinarians have seen an uptick in snakes biting dogs.“Pets have kind of been couch potatoes for a long time," said Dr. Jessica Caver, medical director for Steel City Emergency Vets.She says over the past two months, her staff has seen a 40% increase of dogs bitten by snakes compared to last year.“The biggest thing that I can attribute that to right now is that a lot of people are out you know get some break from the quarantine from COVID-19,” Caver said.Back at Margenau’s house, Mulder is working to evict the unwanted visitors.He understands that there’s an unemployment problem during the pandemic, but says if you’re dealing with a pest problem, it’s best to get it taken care of immediately. If not, it could end up costing you a lot more in the long run. 1776

When you think of police officers, you may think of the badge or the local precinct may come to mind, but a lasso?“You got to have a lasso in a small town,” Sgt. Jace Peterson said with a laugh.Sgt. Peterson says it is an item he never leaves home without. Home is Nephi, Utah and it has been most of his life.“Oh, I was a good kid who got in very little trouble,” Peterson said.Nephi is a "blink and you miss it" stop along Interstate-15 between Salt Lake City and Las Vegas.Sgt. Peterson is just one of 10 full-time officers.“I just patrol all the corners of town, backstreets and the main thoroughfares,” he said.A disorderly conduct call sometimes comes in the form of a farm animal.“We’ve had cows and goats,” Peterson said. “I mean you name it and they run loose around here.”Sgt. Peterson knows he is just one call away from a surprise class reunion.“It makes it entertaining when you stop somebody you know or you’re on a call with somebody you went to high school with,” he said.Life moves at a slower pace in these parts. It is a stark contrast from what officers in major cities across the country are dealing with.“The rioting and the protest,” Sgt. Peterson said slowly shaking his head. “I mean, it starts to wear on you a little bit and know that other officers aren’t as lucky as we are.”The Nephi Chief of Police echoes those sentiments.“You know, the great thing is I had the big city policing experience when I was young,” said Chief Mike Morgan. “When I was young, I could get out and do the things that needed to get done and I was able to learn; that experience brought me here.”Like Peterson, Chief Morgan has come home.“There’s no place like home,” Chief Morgan said with a chuckle.The move from big city life means big changes.“There are no protests at all down here,” Chief Morgan said.The department is prepared for the day some of the bigger city issues may creep into town.“We’ve got all the equipment I could ever ask for and it’s such a great community,” Sgt. Peterson said.Even a worldwide pandemic is not affecting the small-town police force much.“I mean, we know it’s there and we know it’s just one bad day away, but until then, we’re just going to sort of enjoy it,” Sgt. Peterson said. 2231

When it comes to Christmas decorations, country music star Tim McGraw lives by the expression "go big or go home."On social media, McGraw showed off his impressively tall Christmas tree.In the pictures, McGraw is seen going to great lengths to decorate the tree - using a very tall ladder, using a long pole to move branches, and adjusting the tinsel with one leg in the air.He cheekily captioned the photos with "A: Santa's lead flying reindeer B: wife trying to get rid of me before Christmas." 504