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PHOENIX, Ariz. -- Officials have made an arrest in the cold case of Alissa Turney, a 17-year-old girl who went missing in Arizona in 2001.The Maricopa County Attorney's Office announced second-degree murder charges against Alissa's stepfather, Michael Roy Turney, according to a press conference Thursday.Alissa went missing at the end of the school year in 2001 and was first reported as a runaway by Michael Turney, according to officials.Michael called in the runaway report, telling authorities that she had left a note and was going to California.In 2008, new information was brought to light and officials began a criminal investigation into Alissa's disappearance. Officials conducted 200 interviews with coworkers, friends, and family.When a search warrant was issued on Michael's residence, they discovered a bombing plot, at which point he was brought into custody in 2008.Officials say Michael took a plea deal and served 10 years in prison in the bombing plot, unrelated to Alissa's disappearance.He was arrested Thursday afternoon by police in Mesa in connection to her presumed death. Details on what evidence led police to believe they had enough proof in the case were not made immediately available.During the press conference, officials credited Alissa's sister, Sarah Turney, for her perseverance in this case. 1337

People with private student loans have been struggling during the pandemic. Their loans aren't eligible for the government's penalty-free repayment pause, which is in effect until at least Oct. 1 for federal student loans.About 70% of borrowers in a new survey from Student Loan Hero have been successful in getting their private lender to give them a break after they called to ask.Nearly three out of ten people in the survey with private student loans say they've thought about filing for bankruptcy over the last three months. Gen X has considered this the most.We talked to a certified student debt counselor and student loan lawyer, Christie Arkovich, who says a lot of people don’t realize you can discharge student loan debt in bankruptcy.“What we're targeting is someone who usually had federal loans and private loans and we are usually arguing that the private loans were taken outside the cost of education and therefor, they're just like any other debt, credit card debt and such, and they can be discharged,” said Arkovich.“Outside the cost of education” means more has been loaned out than what the person needed. Arkovich says her goal with bankruptcy cases is not to necessarily get rid of the entire debt, but to make payments sustainable and affordable, with an end date.Bankruptcy is an extreme measure and not for everyone.“Bankruptcy is a last resort option, because it will really force you not only as a student loan borrower but as a citizen and a consumer to start from scratch on your finances,” said Arkovich. “So, your student loan debt shouldn't be the only reason that you would consider bankruptcy.”One thing to consider first with private student loans is debt consolidation. You can work with a nonprofit credit counselor on that. There are also repayment assistance programs for private loans.Federal student loans have more options, including student loan forgiveness programs.For current students, make sure your FAFSA is up to date, so it reflects your family's current financial situations. After that, contact your school's financial aid office. Explain your situation if your family has lost income as a result of the pandemic.Colleges expect students to appeal their financial aid packages right now, and it may get you more money to help pay for school. 2304

Plan to buy your first home in 2021? It’ll probably take months instead of weeks, and you might feel demoralized at times.That’s not negative thinking. It’s an acknowledgment that the road to homeownership has potholes. The journey can be bumpy, but the destination is worth it. When you know at the outset that you’re in for emotional highs and lows, it’s easier to shrug off those lows and keep on truckin’.Here’s why 2021 will be a rough year for first-time home buyers — and how to manage your emotions during the process.Why buying a home in 2021 will be toughThere aren’t enough homes for sale to meet demand. At the end of October, the most recent month with available data, 1.42 million existing homes were available for resale. At that month’s sales pace, it would take just 2.5 months to sell every home on the market — an all-time low, according to the National Association of Realtors. The supply of new homes for sale was enough for 3.3 months, tied with the previous month for a record low.Supply is low because buyers are pouncing whenever homes become available. Most existing homes sold in October — 7 in 10 — were on the market less than a month, according to the NAR.With a slender stock of homes selling fast, buyers have little power. “The control is in the seller’s hands because of supply and demand,” says Terri Robinson, a Realtor with Re/Max Select Properties in Ashburn, Virginia.Set realistic expectationsExpect months to elapse between the first step of checking your credit reports to the final step of closing on the home. “The first thing that I hope people understand is it’s not an overnight process,” says Marc J. Jenkins, a real estate agent with Prime Property Partners in Atlanta.Jenkins tells first-timer clients that it typically takes five to eight months to buy a home. Understanding that homebuying timeline “prepares them mentally, emotionally and financially to see this process through.” Would-be buyers are prone to burnout if they expect the process to take a month, he says.Everyone wants a bargain, but buyers need to recalibrate the meaning of that word so it applies to today’s competitive environment. “A bargain, if I were to redefine that, is the home that you want for the price that you’re willing to pay,” Robinson says.Know where you’ll compromiseMore than three-quarters of home buyers in their 20s and 30s made compromises, according to NAR’s 2020 Home Buyers and Sellers Generational Trends Report. The most common compromises had to do with the condition or price of the home.So before you start seriously looking at homes, decide what you need and what you won’t budge on. You may have a maximum price and commute time, a minimum size or other requirements. Those are your deal breakers. Write them down. Resist the temptation to compromise on deal breakers, even when you feel discouraged. For all else, keep an open mind.Make decisions fastIn today’s market, many homes are on the market for less than a month, so it’s important to make an offer quickly once you find one you like. Let your list of deal breakers be your guide. If a home meets your criteria, including an acceptable price, it may be worth making an offer. Again, quickly, because many sellers field multiple offers within a day or two of listing the home and planting a “for sale” sign in the yard.“Even as a first-time home buyer, they may have to make a quick decision whether or not to buy a home,” Robinson says. To have the offer taken seriously, have a preapproval letter from a lender and make a competitive offer, she adds.Don’t take rejection personallyWhen first-time buyers make offers, “they’re going to get rejected many times,” says Laura Moreno, host of the “First Time Home Buyer Podcast” and founder of a tech startup called HomeFlow that offers an all-in-one homebuying platform.As rejected offers pile up, they take it personally or feel worthless, Moreno says. “What I tell them is just breathe. It’s not a judgment against you.”You might get lucky and have your first offer accepted. But don’t count on it. Realize that for the seller, this is a business decision.Wait before you celebrateYour offer was accepted? Great! Just remember that the home inspection and lender’s appraisal are coming next, and either of them can knock the deal awry. The more excited you get about the seller giving your offer a thumbs-up, the more disappointed you’ll be if you have to give the deal a thumbs-down after the inspection or appraisal.Think about the seller’s needsYou’re focused on your own needs and problems. That’s understandable, but there’s a benefit to thinking about the seller’s needs, too.Jenkins advises making the offer attractive to the seller. That might mean keeping the inspection period short: maybe just three to five days, so the seller can put the home back on the market promptly if you’re dissatisfied with the inspection and decide to move on.Having a preapproval letter from a reputable mortgage lender, paying all of your own closing costs and paying some or all of your agent’s commission are other ways to meet the seller’s needs.Have a backup plan: Don’t buy yetAs fervently as you want to buy a house in 2021, your best option might be to wait until fortune favors you. By putting homebuying on hold for a few months, you give yourself time to save for a bigger down payment and build your credit, and for your local housing market to become less competitive.More From NerdWalletHow first-home shoppers can keep a cool head in a hot market4 market headwinds facing first-time home buyersThe credit score needed to buy a houseHolden Lewis writes for NerdWallet. Email: hlewis@nerdwallet.com. Twitter: @HoldenL. 5691

Parents of children with special needs are grappling with uncertainty as the upcoming school year approaches. Many districts are trying to address special education learning while also preventing the spread of COVID-19 in schools."My son was diagnosed 8 months ago with ADHD inattentive disorder and this is for a child that lacks focus and has a hard time focusing. I say that it sounds very simplistic but for a child who has the issue, it's a neurological development issue," said Silvina Traba. Traba says her 7-year-old's disorder has made it difficult for him to learn to read. Right now, he's on a 504 plan, a document under the federal government that helps parents and schools work together to address a child's underlying disability. Her son is also being evaluated to be on an individualized education program, or IEP, which provides specific learning and special education services for students.When Traba's son had to do remote learning when schools shut down in the spring in New Jersey, he had a difficult time. At school, there are a number of things to help him learn."In a classroom setting there are physical things like a noodle chair that moves with the child or special pencils, a special device put on the desk for sensory processing," said Traba. Their family tried to provide some of the same physical adjustments at home but found his focus in front of a computer just wasn't there. Traba was told her son wasn't making enough academic progress."I'm seriously concerned that not having that person-to-person contact, face-to-face contact with the experts, the subject matter experts, we’re going to be in the same place come next summer where I’m going to be told he’s not really making progress despite having certain things in place," said Traba. She says the possibility of contracting COVID-19 also has her very scared to send him to school. Traba hopes that however her son's school decides to conduct learning this fall, they pay close attention to special needs children who need more than just a laptop and the right school supplies.Traba says there's a difference for her child doing face-to-face learning versus on a computer. "It is extremely difficult. He needs to be prompt and redirected continually to refocus. He needs to sometimes be prompted to take breaks in order to refocus and in person it's much easier for the instructor to notice him trailing off or to be able to redirect him. Sometimes it's simple like a physical touch on his desk or hand near him," said Traba.A number of school districts have said students in special education will be accommodated if they choose to do remote learning for the fall. Fulton County Schools in the Atlanta, Georgia area say the district will help families if any changes need to be made to a student's IEP. However, providing all special education programs as normal may not always be possible with distance learning.Annemarie Bohn is a special education teacher, and also has three children with varying special needs. She says remote learning can be difficult for teachers and staff who work in special education."It's really hard on teachers because teachers that work with students like this, they are constantly taking down data whether they're writing it down or not. They're constantly taking data because every teacher I know who’s ever worked in this field they're constantly working to try to work better with the student, so its a disability on the teachers as well," said Bohn. Plus, sometimes the pressure on parents to emulate the special instruction their student receives in class can be difficult and hard to attain.Bohn says there are some children in special education who actually fare better outside of a long day in the classroom because their disabilities are more visibly seen in-person and can make them feel overwhelmed. "A dyslexia student will say things or pronounce things incorrectly and they’ll see that response from other students when they pronounce things incorrectly. So that stress is taken out, that feedback is taken out and my children benefited from that," said Bohn.While some special needs students might actually benefit from remote learning, Bohn says others may see permanent loss of education, especially if they don't have the right supports at home. 4294

PINE VALLEY (KGTV) -  Nineteen people are in custody after the horse trailer they were traveling in crashed Saturday on Interstate 8, about 55 miles east of San Diego, Border Patrol said.The trailer, which was being pulled by a Ford F250 pickup truck, separated from the truck and overturned on its right side just before noon, according to the California Highway Patrol. Border Patrol agents said that the trailer was smuggling people into the country and all of the apprehended people identified as Mexican nationals. The driver of the truck managed to escape, according to Border Patrol.Six people were injured in the crash and two of them had to be airlifted to a hospital for treatment, Border Patrol told 10News.Witnesses said people ran out of the overturned horse trailer. Border Patrol agents took 19 people into custody and continued to look for others that may have fled on foot.   935