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is a disease that can be fatal to dogs and spread to humans — and it's on the rise in the western United States.Leti Paoli's dog, Copper, battled health issues for several years. In the last year and a half, Copper was back to being the energetic dog Paoli remembered — until two weeks ago. Paoli's husband was in the backyard playing with Copper when he noticed Copper was walking with a stiff gait. He thought Copper had re-injured his back.After taking him to the veterinarian, they found out Copper was suffering from one of the early signs of leptospirosis."One of the first symptoms of leptospirosis is that they're drinking a ton of water, and then they go out and urinate, and sometimes they have urinary accidents because they're drinking so much water," said Dr. Laura Russell, chief emergency doctor at Colorado Veterinary Specialist & Animal ER in Littleton.Russell helped care for Copper. She says her office usually sees one to two cases of leptospirosis per year. This year, they've seen six.Russell's office isn't alone. 1043

-- firefighters Timothy Jackson, James Lyons III, Joseph McGuirk, Paul Brotherton, Jeremiah Lucey, and Lt. Thomas E. Spencer -- who were killed in 1999 in a warehouse blaze allegedly started by a 197

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

based on the agency's religious or moral beliefs. It was the first bill to be heard at the beginning of the 2020 legislative session on Tuesday.It passed in the senate with 20 votes for the bill and six against.The bill would prohibit private licensed child-placing agencies from being required to perform, assist, consent to, refer or participate in child placement for foster care or adoption that would violate the agency's written religious or moral convictions. The private adoption agencies can't be denied an application for a license by the Department of Children's Services or any state or local grant, contract or government program on the basis of its objection due to moral convictions."This bill simply protects children to be placed in homes that agree with their stated religious and moral convictions," Sen. Paul Rose (R-Tipton) said.The bill also says private adoption agencies will be protected from civil action for damages or civil relief due to its refusal to participate in a placement that violates its moral convictions.Critics of the bill say it targets LGBT families and will be seen as unfavorable to businesses and events that want to come to Nashville."They've specifically said that in the recent past — the last six months — a number of conventions have inquired about this bill and about similar bills," Sen. Steve Dickerson (R-Davidson County) said. He voted "no" on the bill. "They have articulated they will not book future events in our state that will effect Knoxville, Memphis, Chattanooga and, of course, Nashville, predominantly," he said.The vote came after a lengthy discussion that included Senate Speaker and Lt. Governor Randy McNally R-Oak Ridge) leaving his chair to debate the issue on the House floor.CEO of the Nashville LGBT Chamber of Commerce Joe Woolley called the bill unnecessary and disappointing. He said it wouldn't stop same-sex couples from adopting children, and he had concerns about the possible economic impact."This is just blatant discrimination," Woolley said. "It makes Tennessee look like a place that isn't welcoming for people to come raise a family and work."Woolley added the chamber would continue to help connect same-sex couples with agencies that will allow them to adopt children.David Fowler, the President of the conservative Family Action Council of Tennessee, was at the Tennessee State Capitol for the vote. He said he was surprised the bill passed and believes it will have a limited impact."I don't think the bill did as much as some Christian organizations thought it did," Fowler said. "It also didn't do as much as some opposed to the bill thought it did."Fowler said the Religious Freedom Protection Act already allows adoption agencies to turn down same-sex couples due to religious beliefs.House Bill 0836 passed in Tennessee's House of Representatives last April. The Senate bill now heads to the desk of Republican Governor Bill Lee for his signature. 2948

With the CDC's recommendation that Americans not travel to see family members for Thanksgiving next week, many won't be able to see their relatives this holiday season. However, doctors say it's as important as ever to keep in touch with elderly relatives.One easy way to stay in touch with older relatives is through video chat. And while elderly family members may not have much experience with it, Dr. Donald Mack says seniors have been more willing to try new technologies amid the pandemic."Most of them have really bought into the importance of staying safe, and they're willing to try this new technology," said Mack, a geriatrician at Ohio State's Wexner Medical Center. "I used to think some of them would just say no."It's totally normal to have hiccups. Mack says it's all about having patience and giving family members a hand.If a loved one has a caregiver, see if they are able to help set up the calls. Once that happens, take a look at the environment your loved one finds themselves in."If the senior is able to do that safely is say, 'Hey can you show me how you can get out of that chair and get something across the room?' Or, 'show me how your plants are doing,'" Mack said. "Sometimes, you can check in on them, and also check in on their function that way, too."Mack says callers should also check in on their loved ones' grooming — something they wouldn't otherwise be able to see in a regular phone call.Doctors even say seniors might be willing to have difficult conversations over video chat, as long as their cognitive health is OK.Callers can also talk about what their loved ones need and set up services like grocery and medicine delivery if they're in another city.If video chatting becomes too much of an obstacle, doctors say it's still OK to resort to a regular phone call. They say the most important thing is to stay in touch. 1871