痤疮治疗阜阳医院(阜阳哪家治疗皮肤癣瘙痒好) (今日更新中)

Are you owed money you don’t even know about? You might be, if your name is in an unclaimed property database. Each year, billions of dollars from forgotten security deposits, refunds, uncashed paychecks and even old bank accounts are reported to state agencies. And each year, according to the National Association of Unclaimed Property Administrators, an organization affiliated with state treasury departments, states return more than billion to their rightful owners.Just ask Maria Barlow, an attorney in Chicago. A few months ago, she was sitting at home when she decided to plug her name into the Illinois unclaimed property website. “I was surprised to see there was an entry,” she says. Fast forward a few weeks, and she had a check in hand for .80.If you are wondering if you have unclaimed property, here’s how to find out.Search online at state agenciesThe National Association of Unclaimed Property Administrators’ website, Unclaimed.org, links to agencies in all 50 states, the District of Columbia and other territories. With these sites, you can search unclaimed property databases for free. The organization also sponsors MissingMoney.com, which lets users search multiple states at once, though not every state participates.To pull up the property database, you will likely be asked to enter a last name. You could also enter a first name, city or ZIP code to help narrow the search. From there, you may find entries detailing the owner’s last known address, property amount and the company that initially held the funds. Depending on the database, the state may provide the exact amount of the property, or give a range, such as “under ” or “ or more.”Barlow says her entry was from an old internet provider. The company owed her a refund because she moved and switched off service before her billing period ended. But it didn’t have the correct forwarding address, so it sent the money to the state. Barlow says she filed a claim online, and it was processed within two weeks. “Even in the pandemic, it didn’t take long to receive it,” she says.Finding a small amount can still give you breathing room in your monthly budget or help pad your emergency fund. (Read more about emergency funds and why they’re important.)Prove you are the rightful ownerFiling a claim may involve scanning and uploading identification, such as your driver’s license, and other documentation that you live (or lived) at the address on file. For example, you might be asked to upload a recent utility bill. For certain types of claims, such as those for money orders, you may need to mail documentation instead of uploading. (You can read more about money orders here.)Heirs can follow a similar process for claiming property if the owner is deceased. Lorrie Walker, a financial advisor in Lakeland, Florida, advised a client earlier this year whose late husband had funds in old bank accounts. She says her client provided additional paperwork, including her husband’s death certificate, to claim the property.Later, Walker checked the state treasury website for unclaimed property of her own. “Sure enough, there was money for a security deposit in an apartment I lived in 20 years ago,” Walker says. She filed a claim online and, a few weeks later, received a check for 5.If the property is tied to an old address, don’t be discouraged. In Barlow’s claim, she explained that she no longer had documentation, and she still received her money, she says.It is OK to be nosyData within unclaimed property databases is publicly available, so you can search on behalf of others. You can then alert them if they have lost funds, but it’s their responsibility to claim the funds and prove ownership.Barlow says she entered the names of about 15 family and friends and found unclaimed funds for many. She says that since she alerted them to the cash, many were able to collect. “I may be nosy, but I found them money,” she says.Pro tip: Make the most of your moneyIf you do find and receive funds, you can make this “found” money work for you by putting it in an account with a high interest rate. These accounts may earn 10 times more than the national average, so you can take the unexpected funds and grow them even more.The smaller amounts may not make you rich, but they can still be worth searching for, Walker says. “At the end of the day, it is your money. So it’s better for you to have it than the state.”More From NerdWalletHow to Get Started If You’ve Never Had a Bank AccountSmartMoney Podcast: Setting Money Goals at Milestone Birthdays, and Bagging Big Bucks with Bank Bonuses6 Do’s and Don’ts When Saving Money During a CrisisMargarette Burnette is a writer at NerdWallet. Email: mburnette@nerdwallet.com. Twitter: @Margarette. 4757

An illustration showing a Neuralink disk implant at different stages of implantation during a YouTube live stream presentation on Aug. 28. 146

An Idaho junior high school teacher is under investigation after he fed a puppy to a snapping turtle in front of students.Robert Crosland has taught science at Preston Junior High School for years. In a news release, Preston School District 201 Superintendent Marc Gee says his administration became aware of “a regrettable circumstance involving some of the biological specimens” on March 7.“The event occurred well after students had been dismissed and was not a part of any school-directed program,” Gee said in a news release. “We emphasize that at no time was the safety of students or staff compromised.”It’s unclear if the dog was alive or dead when Crosland fed it to the turtle. Administrators began investigating the incident immediately, according to Gee, and the Franklin County Sheriff’s Office was contacted. Crosland has not been cited or charged and has not been placed on leave, Gee said.“A part of any investigation includes determining the best course of action once the facts of the matter have been ascertained. This is not a situation that is easy, nor do we feel it is a measure that can be taken lightly,” Gee said.Crosland is a popular teacher who has exotic snakes and other animals in tanks around his classroom, according to multiple parents and students who contacted EastIdahoNews.com. Three former students, who asked not to be named, said they recall Crosland feeding guinea pigs to snakes and snapping turtles during classroom demonstrations.“He is a cool teacher who really brought science to life,” a former student says. “I loved his class because he had turtles and snakes and other cool things.”Gee says the district is taking steps to ensure “this type of action could not be repeated” and asked for patience while the investigation commences.“While the district certainly does not condone individual actions that may violate district policy or reasonable expectations of behavior, we hope that any errors in judgment made by a teacher in this instance will not cause us to forget the years of care, effort and passion the teacher has given to students in Preston School District,” Gee says.EastIdahoNews.com has contacted Crosland for comment but did not receive a response.The-CNN-Wire 2234

Animals have been used as therapy for years, because research has linked them to a decrease in anxiety and depression in pet parents.It is sometimes referred to as the "Pet Effect" by experts and described this way by Mental Health America:"The Pet Effect, also known as the human-animal bond, is the mutually beneficial relationship between people and animals that positively impacts the health and well-being of both. Any pet owner will tell you that living with a pet comes with benefits, including constant companionship, love and affection."A 2016 survey by the Human Animal Bond Research Institute found that nearly 75% of the animal owners they talked with reported mental health improvements from their furry family member.With a global pandemic keeping many of us isolated, is now the time to adopt a pet?"I adopted Sake from the Arizona Humane Society on July 1," said Scottsdale dog owner Randi Chan.Chan said she immediately brought a dog trainer into the mix and created a structured routine, something she did not have just a few months ago."Before I had her, I was probably working like 12 hours every day," Chan said. "Because... I'll take a break for dinner and then I'll be like, 'Well I have nothing better to do. I've already watched everything on Netflix, so I'll guess I'll start working again.'"She knew that likely was not very positive for her mental health.Now, Chan gets fluffy hugs and a reason to get outside safely for their walks."If anything, the pandemic has just raised awareness to the importance of both adoption and fostering," said Arizona Humane Society's Bretta Nelson.They have moved to appointment-only for their adoptions. Once a prospective pet parent sets up their time slot, a representative from the shelter will call them ahead of time to go over what animals they may be interested in."We think with this one-on-one match-making process, you can talk to people about a pet's medical or their behavioral, and they weren't already attached before learning that information," Nelson explained. "So, they were able to make a logical decision."That has helped their return rate for pets drastically decrease, while the number of families fostering has sky-rocketed.However, most people will have to return to work at some point and the pets will have to be left behind.Nelson said that a structured routine that is created the first time they come home will make that transition easier."Set a routine that's going to work, even when you're back at work," Nelson said. "Don't start taking them for walks at 11 a.m. every day if that's not something you can uphold because they're not going to be too happy about that."Chan said she has been practicing putting Sake in her crate a little bit at a time, so she is comfortable and those trips to the park they both love will still be a part of their day-to-day routine."She really definitely brings a smile to my face because she is a very loving dog," Chan said.To learn more about the pets up for adoption at the Arizona shelter, click here. To request an appointment, click here.During these difficult times, a pet parent may also be struggling to provide for their beloved animal. The Arizona Humane Society offers a program called Bridge the Gap to provide resources to attempt to keep families together. Click here to learn how they can offer support.This story was originally published by Megan Thompson at KNXV. 3417

As colleges figure out how to structure classes this fall, many students are questioning whether to enroll at all. The idea of taking a gap year might sound enticing, but returning students should think twice.Many colleges have official gap year or deferred enrollment policies for incoming freshmen. But returning students who choose to take time off and re-enroll once the uncertainties of the COVID-19 pandemic have passed aren’t “gappers.” They’re “stopouts,” and they face risks that don’t come with a traditional gap year.The president and founder of The Institute of Student Loan Advisors, Betsy Mayotte, explains that colleges have individual leave of absence and withdrawal policies for students who want to take time off. Students who don’t follow those rules might end up with unexpected debt and be blocked from accessing their academic transcripts.“I see a lot of students that just stop going to school and don’t understand why they’re being charged,” says Mayotte.Taking a break from college this fall could derail your overall educational and financial goals. Here’s why you should stay enrolled.You might have to reapply to get back inUnless the college makes concessions, students without an approved leave of absence are at the mercy of the readmission policy to determine if they can return. Even with an approved leave of absence, you can miss only 180 days in a 12-month period, according to the Department of Education’s Code of Federal Regulations.Schools also don’t have to readmit students who take time off unofficially. For example, University of Arizona’s Graduate college usually requires a new application, application fee and a minimum 3.0 GPA on all previous coursework at the university before readmission.But University of Arizona Graduate College Dean, Andrew Carnie, says the college is making exceptions for students during the COVID-19 pandemic.“We are being very flexible with students who want to take off the fall,” says Carnie. “Students can take a leave of absence and we are approving leaves of absence retroactively. These are extraordinary circumstances.”Communicating with your college and knowing their COVID-19 plans and policies is key. “Students have to weigh their options and look at what’s going on with their university,” says Kenneth Stephens, director of the Department of Human Services for Florida’s Southeastern University. He notes that while his school has systems in place for students dealing with the COVID-19 crisis, others are still trying to figure it out.Some colleges allow students without a leave of absence to re-enroll after two years off with no hassle. But others, like the University of Miami or East Carolina University, require students to submit an application for readmission and pay a fee after missing only one semester of school.You might have to make student loan paymentsIf you have student loans, taking time off could trigger repayment to begin. Contact your student loan servicer or lender to find out their policy.All federal student loans are in an administrative forbearance through Sept. 30, due to a provision in the federal government’s coronavirus relief package. So until then, you don’t have to worry about your loans gaining interest or going into repayment.But if you plan on missing the school year, you will exhaust that window and payments will begin after your six-month grace period ends. While there is speculation that the forbearance could be extended, nothing has been announced.Federal student loans only get one grace period, so if you use it now you won’t have it available after you graduate, says Mayotte.The coronavirus relief package forbearance doesn’t apply to private student loans. If you decide to stopout due to COVID-19, your private loans might enter the grace period and then head into repayment. And not all private lenders allow academic deferments for students who return to school, so you could be on the hook for loan payments even when you return to full-time student status.You might not find stable workStudents planning to work full time must contend with the highest unemployment rate since the Great Depression. The coronavirus remains a threat, and a second wave could cause more shutdowns, which might make finding and keeping a job even harder.“I’ve had students who mentioned stopping-out, and I told them they should really think about that,” says Sharon Taylor, director of academic advising and professional enhancement at Virginia State University. “The first thing they say is they will work, and I ask them to look at how many people are out of work right now.”Taylor advises students to continue school if they can afford it and says, “It’s better to wait out the pandemic in school than out of school.”If you want to minimize coronavirus-related uncertainties with your school, there are options other than withdrawing completely.Take a half-time schedule: Students can take fewer classes and still maintain some of their financial aid benefits while making progress toward graduation. Not all students are comfortable with online learning. Taking fewer classes will give you more flexibility in case your school shuts down early to go online.Take online classes at a community college: If you need to complete general education requirements, you may be able to do them online at a local community college. That way you can save money on tuition, avoid the unknowns with in-person classes and complete graduation requirements. Before taking community college classes, check with your school to make sure the classes will transfer and that you are in compliance with your school’s dual enrollment policies.Take an official leave of absence: If you decide not to take classes this fall, work with your school to take an official leave of absence. Communicate with your college to let them know why you want to take time off and when you plan to return. Make sure you ask questions about financial aid implications and try to work out exceptions to get more favorable terms with your school and loan servicer. If you have private loans, contact your lender to discuss your leave of absence and ask questions about how it will affect your loan’s status.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletHow to Get Student Loan Relief During the Pandemic and BeyondStill Undecided About College This Fall? Know These Four OptionsWhat Is a Student Loan Grace Period?Cecilia Clark is a writer at NerdWallet. Email: cclark@nerdwallet.com. 6549

来源：资阳报