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At the age of 22, Purdue University graduate Andrew Hoyler accomplished his goal of becoming a pilot. But in doing so, his debt took off. He took on 4,000 in student loan debt. “It was tough to look forward to the future, just because 4,000 clouding over your head is not something that anyone wants,” he says. As a new pilot, he brings less than ,000 a month after taxes. Yet, less than two years after he graduated, he's been able to pay off more ,000. “Looking back, it's crazy that it's already come this far and that I’ve been able to pay off this much, but it hasn't been without sacrifice,” Hoyler says. Those sacrifices include living at home with parents, skipping out on vacations with friends and using a large chunk of a ,000 signing bonus to pay down his debt.“It was a little rough putting most of that towards the student loans,” he says. “But here today, I'm happy I made that decision and didn't go out and buy a new car.” Hoyler says he also uses his tax refunds to help pay down his debt. It's something anyone who gets a refund can do, whether it's for student loans, car payments or credit cards. “For many Americans, the biggest windfall they get all year is a tax refund, so this time of year, that is a great opportunity to really take out a big chunk of your debt,” says Arielle Oshea, a personal finance expert with NerdWallet. Oshea says for Americans struggling with debt, taking small steps like cutting cable, skipping eating out or not going shopping can add up.“Small amounts seem like they're going to be a drop in the bucket compared to your debt balance in many cases. But when you add them together and you make a cut here and make a cut there, and you maybe bring in some extra income, all of that adds up and it can very quickly lead to you being able to make bigger payments on your debt every month,” Oshea says. As Hoyler proves, small sacrifices can lead to a big payoff. 1940

An apparent banking fraud scheme leaves one Tulsa couple scratching their heads and with a frozen bank account.The Bruce family said a mysterious amount of money showed up as if from thin air, and then disappeared, leaving them, the account holders, as the prime fraud suspects.Larry and his wife Crystal were thrown for a loop after watching a couple thousand dollars appear in their bank account overnight."Somehow our mobile app on our USAA app was activated by someone on the outside,” Larry said. “They deposited ,000 in a business account."Confused, the couple immediately checked on their funds only to watch even more activity unfold."Then they transferred a thousand dollars from that account to our social security accounts,” added Larry.From there, that ,000 dollars transferred to a woman Larry said he's never heard of using the mobile banking app, Zelle."We don't even have Zelle on our phones,” Larry said.Even more baffling, the fraudulent check appeared to be endorsed by Larry and his wife."That is not my signature, and it sure is not my wife's signature,” he said.The couple acted, calling their bank, USAA, to make a fraud claim, only to be dealt a frozen bank account and an alleged accusation."They said they had proof that my wife did it on her mobile app on her phone through her member ID.”The bank sent this statement:"Our member's financial security and outstanding service are of the utmost importance to everyone at USAA. While we can't get into the detail of a member's account, we have worked with Mr. Bruce to bring the matter to resolution.""After we notified you all, we got a call from one of the CEOs down there… that she was working with the investigations and she said they found an error,” Larry said.The couple said a new investigation revealed they had nothing to do with the fraud, and their accounts were unfrozen, and funds replaced.Officials with USAA told the Bruce's they believe the fraudster was able to hack Larry's email address and somehow gain access to their account, but that the paper trail didn't go very far.To protect yourself from bank fraud, USAA gives this advice:Never provide your personal or banking information to unauthorized individuals. Fraudsters ask for things such as personal identifiers, debit or credit card information and account numbers.Be cautious when asked to make a deposit or send money back. Fraudsters sometimes convince you to make a deposit or payment to reduce your debt and provide an account number/routing number to use, but require a fee to be sent to the fraudster when the payment is made. The payment will return, the fee will be lost, and the account holder will be responsible.Contact your bank immediately if you provide your personal banking information to an unauthorized individual or see suspicious activity on your account.Consider changing online banking and email passwords on a regular basis. Some financial apps are tied to your email account and can be accessed with those passwords.Remember, if it sounds too good to be true, it usually is.This article was written by Cori Duke for KJRH. 3121

CHICAGO, Ill. – November is Alzheimer Awareness Month. And with nearly six million Americans living with the disease, healthcare providers are looking for innovative ways to treat patients. One pilot program is putting caregivers inside the mind of Alzheimer’s patients. Using a virtual reality headset and console, Amelia Williams is immersing herself into the mind of a fictional dementia patient known as “Beatriz.” Williams is a research coordinator at 472

Colorado is the latest state to move forward with a red flag law.Since the Parkland shooting, at least 9 states have passed laws allowing police to take guns from people who pose a significant threat to themselves or others.However, some members of law enforcement are fighting back. “What I’m refusing to do is enforce a law I believe, and I believe my constituent base is in agreement,” says Sheriff Steve Reams with the Weld County Sheriff’s Office in Greely, Colorado. “I can't enforce a law I believe goes against our state constitution or our federal Constitution.” Sheriff Reams is likely the loudest voice opposing Colorado’s red flag law. Half of the state’s county governments have passed resolutions, saying they don't want to enforce the law, which allows people to flag authorities about others who may be suicidal or dangerous. Police would then be able to take their guns. Critics argue gun owners don't have a fair chance to defend themselves, before their weapons are confiscated. “I don't believe this bill is constitutional,” Sheriff Reams says. “I've said that many times over. I'll continue to say that until [the] bill [is] modified in a way that makes sense and addresses the real issue, which is mental health.”Fourteen states have passed the red flag, including Florida, New York, Delaware, Illinois, Maryland, Massachusetts, New Jersey, Rhode Island, Vermont, California, Connecticut, Indiana, Oregon and Washington. One study found the Connecticut law reduced gun suicides by more than 10 percent in recent years, and the Indiana law led to a 7.5 percent drop. But in California, the red flag law did not stop a 28-year-old veteran with a long history of mental health issues from opening fire at bar, killing 12 people, because no one filed a petition with a court. “A flu shot is only good if you take it right, and so, I think part of what law enforcement is learned is having laws on the book is one thing, but having the confidence and understanding and training to use them is quite another,” says David Chipman with Giffords, an organization aimed at fighting gun violence. In 2018, judges issued more than 1,700 orders for guns to be seized under red flag laws, and that does not include California. 2250

GOLDEN, Colo. – A person driving a pickup truck with a camper attached to its back nearly slid off an Interstate 70 overpass Tuesday afternoon. The crash, which forced the closure of the eastbound lanes of I-70 in Golden, Colorado, was reported just after 4 p.m. Video from a Colorado Department of Transportation (CDOT) camera in the area showed the camper with nearly half of its body dangling from the overpass on the right guard rail of the highway. Crews used a combination of cranes and other equipment to get the camper off the guard rail and onto the highway before the vehicle was towed and removed from the overpass. The driver of the camper, who was not immediately identified, was being held on suspicion of DUI, according to a Colorado State Patrol spokesperson. No one was injured. The eastbound lanes of I-70 ta Colfax Ave. were reopened just before 6:30 p.m. Emergency crews were kept busy responding to several crashes and slide-offs on Colorado roads Monday night and Tuesday as a winter storm dumped nearly 3 feet of snow in some areas. At least one person died in a multi-vehicle 1117

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