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The BeyGOOD small business fund application submittal closes this Saturday. Go to https://t.co/TlsgbUl6D2 for all details. pic.twitter.com/I3l0Ljwfsz— BeyGOOD (@BeyGood) July 17, 2020 191

Student loan borrowers getting a break on their payments right now are seeing an additional benefit. Their credit scores are going up.The average credit score of all student loan borrowers increased from 647 in March to 656 in June, according to a report from the Federal Bank of New York.Student loans can typically have a significant impact on your credit score if you have a lot of this debt, but your payment history accounts for the biggest part of your credit score.It's important to remember this pause on payments is only until the end of the year, currently.You need to prepare now for when those payments will start again and using a higher credit score now could help.“As your score improves, if that's the case, to shop around and move other high interest debt into lower interest rate accounts, if you're qualifying for those,” said Bruce McClary with the National Foundation for Credit Counseling.It's not just student loan debt people are figuring out how to manage. The average person working with a nonprofit credit counseling agency right now is coming in with ,000 in credit card debt spread across five credit cards. That's up from last year.“There's this insular bubble right now that's still relatively intact that's keeping people a float,” said McClary. “What we're fully expecting is when that ends, when that comes to a screeching halt, if the current situation with unemployment doesn't improve much more, there's going to be a floodtide of demand for the services that we're offering.”If your student loan payments are on hold, make sure you're checking your credit score regularly.Credit counseling experts say it's not widespread, but they have been seeing some issues of payments not being reported correctly.You can check for free weekly at AnnualCreditReport.com. 1807

TANGIER, Va. – At just over one square mile, tiny Tangier, home to less than 500 people, sits surrounded by the Chesapeake Bay in Virginia.No roads can get you there. The easiest way to travel to the island is via one of the daily ferries, popular with adventurous day trippers, who want a peek at how people have lived here for centuries.“It's all about the seafood,” said Mayor James Eskridge, better known by his nickname, Ooker. “It's a close-knit community.”That closeness, though, became a potential threat earlier this year, when the coronavirus began spreading throughout the country.“We were like most of the country: we were didn't know what it was going to amount to, how dangerous it was, how you would hear one thing about it and you would hear something else and so people were worried,” Eskridge said.They were especially worried because more than 40% of the people who live on Tangier are elderly, a population vulnerable to the virus. What’s more, there’s only a small clinic on the island and no full-time doctor.So, they made a few tough choices.The ferry services temporarily shut down, effectively isolating the island, and so did another thing at the heart of life there.On the island, church is everything. Right after the coronavirus outbreak began in March, they stopped services for months and that may have been what helped keep the virus at bay.So far, there have been zero coronavirus cases on the island.“It's like one big family here. Your problem is my problem,” said Nancy Creedle, a parishioner at the island’s Swain Memorial Methodist Church, who also works in the church office.She said people took the virus seriously and though church services started up again, there have been some changes.“We marked the pews and people had to wear masks,” Creedle said.Being socially distant doesn’t come naturally there, but they’re trying.“Tangier, just like the country, you need to be cautious, but you can't completely shut down because I think that would do more harm than the virus itself,” Eskridge said.The island is back open for business. Ferry services started up again in mid-June, with an average less than 50 people visiting a day. With summer winding down, some tourist spots are now closed and others didn’t open at all this summer season.“All in all, it’s been a strange summer,” Eskridge said. “We're having tourists come in, but it's down a lot.”Since most visitors only come for the day and don’t spend the night there, island residents think that may be part of the patchwork of decisions and circumstances keeping them COVID-free.Yet, some folks also think something else might be at work, too.“The people, well, they were very precautious, too,” Creedle said, “but I think the Lord has kept us safe.”Credit given to a higher power, they said, in the face of uncertainty. 2826

The 2008 recession proved devastating not only to the economy but American lives after suicide numbers spiked in its wake. And for veterans at a high risk of unemployment and mental illness, experts say greater efforts are needed to support the population.A nonprofit in San Diego is using a unique form of therapy to help veterans and their caregivers during this time."All I have to do is relax. Being able to get out of my head and literally not have to do anything for an hour, it's amazing," said Candra Murphy, an Air Force veteran.In a pool heated to match the human temperature, veterans are transported to a state of calm."It's often equated to if you were to go all the way back to being the womb, and that safety and serenity of being in the watery environment," said Elizabeth Berg, executive director of Wave Academy.But like many veterans sent to the aquatic therapy program, Murphy had her reservations."The first session, I was tense pretty much all the way through," remembered Murphy.Murphy served for six years and deployed once to Balad, Iraq. She says the base was a constant target for mortar attacks, and the most difficult part of the deployment was not knowing what was going to happen next.When she reintegrated back into civilian life, everyday tasks like driving, were a challenge."It just depends on the day. More often than not, my symptoms tend to show up as anxiety, hyper-vigilance, general distrust of crowds. I tend to self-isolate a lot," said Murphy.Through counseling, Murphy learned she had Post Traumatic Stress Disorder (PTSD). She began sessions at Wave Academy before COVID-19, but like many services, it was put on hold.Murphy says she's been managing the pandemic well, but it was challenging not having access to the therapies which help with her PTSD."For the first time ever, we have a wait list of people who would like to have our therapy program," said Berg.Wave Academy serves veterans, active duty service members, and caregivers. Through donors and granters, they're able to provide eight sessions at no cost for people with low to moderate-income."It's great for physical therapy as well, the warm water and the light massaging and maybe twist or stretches is absolutely helpful for the physical body. But I think the piece that makes it so effective when we're working with veterans who have post-traumatic stress, you know we're working with that trauma of the mind, is that this particular therapy transcends from body to mind," said Berg.Clinical psychologist Mark Jesinoski works with combat veterans, many who were already dealing with heightened physical and emotional pain before the pandemic."I'm hearing from a lot of veterans that they're feeling more isolated, they're feeling less supported. Exactly what they need they're not getting right now," said Dr. Jesinoski. He says he's alarmed by what he sees in his practice, for both civilians and veterans. "When I look back at my veteran community that I get to work with every day and feel their pulse, what I notice is every single thing they experience as normal people is completely and totally magnified by what's happening in our society today," said Dr. Jesinoski. A report from the Meadows Mental Health Policy Institute indicated that for every 5 percent increase in the national unemployment rate, as many as 550 veterans a year could be lost to suicide, and 20,000 more could suffer from substance abuse disorders.But instead of focusing on predictions, Dr. Jesinoski says society should seek proactive solutions."I don't think it's a matter of putting more money into it, I think it's about being much smarter and much wiser in how we allocate that money in being a much more interconnected system of services," said Dr. Jesinoski. Between the government and community nonprofits like Wave Academy."What I would say to a veteran if they are struggling is don't do that pride thing, don't do that isolation thing, don't do the 'I ain't got time to bleed thing'. Be willing to take a breath and to overcome that resistance to asking for help," said Jesinoski.After being inspired by his journey of working and healing with veterans, Dr. Jesinosky started a podcast to help support the population.If you or someone you know needs help, you can contact the National Suicide Prevention Lifeline anytime at 1-800–273-8255. 4353

TAMPA, Fla. — Air conditioning units may be contributing to the spread of COVID-19, especially in the southern part of the United States, according to a Harvard epidemiologist.Dr. Edward Nardell is a professor in the Departments of Environmental Health and Immunology and Infectious Diseases at the Harvard T.H. Chan School of Public Health. He's done in-depth research on how air conditioning units contribute to the spread of airborne infections.Nardell said air conditioning can help airborne viruses spread in three ways.First, people go inside to cool down, when you are much safer outdoors, Nardell said. Now, we're seeing more people indoors because of the high heat and humidity, specifically in the southern states like Florida.The second problem is that air conditioning brings in very little outside air, according to Nardell. While this isn't a major problem inside your own home, it can be especially problematic in corporate settings."It just isn't economically possible to bring in outside air, recirculate it and dehumidify it," he said.Lastly, he said when people are indoors, you're often not spaced out safely as you would be outdoors."You are not socially distanced as much, but you're re-breathing the same air that someone else just exhaled," Nardell said. "We call it rebreathed air fraction, and if someone is infectious, often asymptomatic, you're going to be rebreathing their small particles."Nardell also said air conditioning units can generate air currents that can carry large particles even further, similar to what researchers found contributed to the spread of the novel coronavirus disease in an air-conditioned restaurant in Guangzhou, China, involving three family clusters.On the Department of Homeland Security's website, this tool can be used to estimate how long the virus would be expected to remain stable while airborne.Now, the Centers for Disease Control and Prevention is recommending restaurants increasing the distance between tables and improving ventilation.The use of germicidal lamps, a technology that Nardell said is almost 100 years old, has been proven effective in protecting against tuberculosis infection and is already in use in some settings to fight COVID-19.The lamps are set up to shine horizontally, high in the room where sterilization is needed. Air currents, stirred in part by warmth from human bodies, circulate up to the ceiling, where the ultraviolet light kills floating pathogens, and then back down again.This technology, Nardell said, is not only proven, but it can also be deployed cheaply and easily in a number of settings as society reopens.This story was originally published by Lauren Rozyla at WFTS. 2691

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