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Record high ocean temperatures are bringing large crowds to San Diego beaches. The warm water also has the potential to attract more stingrays and jellyfish to the area.The Scripps Institute of Oceanography reports that surface ocean temperatures reached a record 79.5 degrees Sunday, which is more than ten degrees above normal. That, combined with unseasonably hot and humid weather, brought 333,680 people to City of San Diego beaches over the weekend, city lifeguards estimate. Clarissa Anderson, executive director of the Southern California Coastal Ocean Observing System at Scripps Institute of Oceanography, said it's unclear what has led to the higher temperatures. "The last several years we really have seen these anomalous temperatures every summer," she said, adding that the hot and humid water could be playing a role.The warm waters could also attract more stingrays to plant themselves along the shallow sand and jelly fish in the water just off shore. People who don't shuffle their feet risk a sting from the ray, while jelly fish sting on contact."More people are going to the beach, warmer temperatures, nice water and so you've just got more people and more animals, higher probability of encounter," Anderson said. Anderson said it was unclear how long these high temperatures would last. She noted the county had record low ocean temperatures - based on date of year - just a few weeks ago. 1422

Rescuers with high-water vehicles have been rescuing people on the Gulf Coast cut off by floodwaters after Hurricane Sally. Crews were pulling people out of flooded areas Thursday near Pensacola, Florida, while Alabama National Guard troops helped people evacuate near Mobile Bay. Homeowners and businesses along the soggy Gulf Coast were cleaning up, even as some communities dealt with flooding from rivers and creeks swollen by the storm’s heavy rains. At least one death is blamed on Sally, whose rainy remnants are currently over South Carolina."16 years ago to the day when hurricane Ivan hit our state, hurricane Sally provided an unwanted sequel citizens are woke to extensive damage and destructive property and loss of power and infrastructure. And sadly, even the loss of life, when it could be much worse, it's been mighty bad. And our state is reeling just as our people are hurting," Alabama Gov. Kay Ivey said. 934

Psychologist say there are ways white people can be better allies for black colleagues during this time.Dr. Alfiee Breeland-Noble says there are things you should consider before reaching out.First, make sure it's appropriate.If you're polite to each other, but never really had deeper conversations before, now may not be the time. It can come off as disingenuous.Then, think about how you would want to be approached in a time of crisis. Some people may want space, while others do want to talk.Recognize that there may be cultural differences and be open about it.“So, it's really all about, I'm owning our experience, our life experiences are different. I'm owning my race. I'm acknowledging your race. I'm valuing both as equally valid and I'm saying to you in plain language, ‘I want to be a support to you,’” said Breland-Noble, psychologist and founder of the AAKOMA Project.That's a key part. You're trying to show support for them. Don't make it about you or your own validation.You can get that message across with what Breland-Noble calls "I statements.”“I want to communicate to you. I want to tell you that I care about you deeply, that I value you. That, you know and for some people it's important to hear that I do believe that black lives matter,” said Breland-Noble.Breland-Noble also recommends actually speaking with your black colleague. An email or a text can seem less personal. 1410

RAMONA (CNS) - Deputies and firefighters came to the rescue Friday when five family members were overcome by heat exhaustion during a sweltering afternoon hike on Cedar Creek Falls Trail in eastern San Diego County.The emergency on the popular footpath northeast of El Capitan Reservoir near Ramona began about 2 p.m., amid temperatures in the mid-90s, according to Cal Fire and the National Weather Service.U.S. Forest Service personnel hiked about a mile and a half down the steep sun-baked trail to reach the exhausted group, which included at least one child. They helped load them onto a pair of sheriff's helicopters that landed in open areas nearby, Cal Fire Capt, Thomas Shoots said.The air crews then dropped off the group -- visitors to the San Diego area from New Jersey -- at a putting green across the street from Cal Fire San Diego Ramona Fire Station 81 on San Vicente Road, where they were met by paramedics.After getting out of the sun and rehydrating, the rescued tourists were given clean bills of health and released, Shoots said.Cedar Creek Falls Trail, along with Three Sisters Falls Trail, can be dangerous to hikers in the summer months and have been closed during heat waves in recent years. 1224

President-elect Joe Biden’s proposal to forgive ,000 of federal student debt as COVID relief could erase loan balances for 15 million borrowers and reduce balances for millions more, according to federal data.Broad student loan forgiveness could affect 45.3 million borrowers with federal student loan debt who owe a total of .54 trillion to the government. Wiping out ,000 each — as Biden calls for — would result in up to 9 billion canceled.Seth Frotman, executive director of the Student Borrower Protection Center, says removing the student loans “albatross around their financial lives” could mean the difference for consumers who aspire to buy a house, save for retirement or start a business.“Student loan borrowers across the spectrum — old, young, urban, rural, high-balance, low-balance, Black, white — are hurting with their student loans, and that was before COVID even hit,” Frotman says.For now, Biden’s proposal is just an amount, with no details to answer questions about which loans might be canceled, whether forgiven amounts would be taxed and if borrowers would have defaulted loans removed from their credit history. It also faces huge hurdles politically.But here’s how ,000 in forgiveness could affect some categories of borrowers.For 15 million borrowers, a slate wiped cleanMore than a third of federal borrowers could see their balances fall to zero with ,000 in debt cancelation. Among those, 7.9 million owe less than ,000 in student loans and 7.4 million owe between ,000 and ,000, according to federal data.These are also the borrowers most likely to default on their loans. Over half of those who default (52%) have less than ,000 of federal undergraduate debt, according to an analysis of federal data by The Institute for College Access and Success, or TICAS.That’s because those with lower debt amounts often have not completed their schooling, so they don’t reap the benefits of a degree that leads to a better paying job. Among those who default, 49% did not complete their program of study, TICAS found.Default has severe consequences: It can sabotage credit scores and trigger collection efforts that can include seizure of tax refunds and Social Security payments.Many of these borrowers are current on their payments. For them, forgiveness could help, but it might not be much of a boon to the overall economy, says Betsy Mayotte, president and founder of The Institute of Student Loan Advisors.“If you owe ,000 and your payment is 0 — and that’s a lot of money to a lot of people — but you all of a sudden don’t have to pay 0 a month, I don’t see that 0 being put toward something that will stimulate the economy,” Mayotte says.For 19 million borrowers, some breathing roomThe typical student leaves school with around ,000 in debt, according to TICAS, an amount that can grow quickly with interest if students pause payments or go on repayment plans that allow them to make lower payments.Nearly 19 million borrowers owe between ,000 and ,000 in federal student loans, according to federal data. Without detailed execution plans from the Biden team, it’s trickier to say how these borrowers would be affected.For example, cancellation might not reduce the amount they pay each month, but it could draw their end date closer and lower the total amount they’d pay overall, due to interest. Or it might wipe out one loan completely but leave payments on others intact.For 11 million borrowers, a drop in the bucketHigher income households, as a whole, are the ones that hold the most debt.The high debt/high earner correlation makes sense because those who make more money tend to have more advanced education, according to findings from Georgetown University Center for Education and the Workforce. To get those advanced degrees, students rack up debt in the process.More than 8 million people owe the government between ,000 and 0,000 in student loans. An additional 3.2 million borrowers owe more than 0,000 on their federal loans, data show.A borrower repaying 0,000 on the standard federal 10-year plan at 5% interest would pay off the loans 15 months early if ,000 were forgiven.Forgiveness is still a big maybeThere’s also the question of how loan forgiveness could move forward: Will it be through Congress or executive action or not at all?“If anything can be done by executive action, [forgiveness] could happen very quickly,” says Robert Kelchen, associate professor of higher education at Seton Hall University. “I’m just not sure whether forgiving debt would withstand legal scrutiny.”Experts say any executive action could face lawsuits or be subject to judicial review, which would leave the fate of an order for forgiveness in the hands of the Supreme Court.“There are a lot of conservative judges, so I can imagine that many of them could be hostile to the policy,” says Wesley Whistle, senior advisor for policy and strategy, higher education at the public policy think tank New America.Mayotte said she is doubtful borrowers will see straight forgiveness since the reach of this type of pandemic relief wouldn’t be as broad as, say, providing supplemental unemployment or propping up small businesses.Forgiveness won’t happen before payments restartBiden proposed his forgiveness measure as part of COVID-related relief, but experts say there’s an even more pressing student loan concern that will come to a head before Biden starts his term — the end of the payment pause for student loan borrowers, which is set to sunset after Dec. 31.Doug Webber, associate professor of economics at Temple University, says he’s worried about the pitfalls of going “zero to 60” in one day with reinstating loan payments for a population that isn’t ready.“Once you give people a benefit, it’s always harder to take it back,” Webber says.The payment pause, known as a forbearance, has been in effect since March as part of the first coronavirus relief bill. President Donald Trump extended the relief through the end of the year, but neither the outgoing or incoming administration has committed to extending it again.While borrowers await the fate of forgiveness, they should contact their servicer to get enrolled in an income-driven repayment plan if they won’t be able to afford their payments. These plans set payments at a portion of their income and can be as low as zero if they’re unemployed.NerdWallet writer Ryan Lane contributed additional reporting to this story.More From NerdWallet10+ Student Loan Forgiveness Programs That Discharge LoansFederal Loans Are Paused Until 2021 — Should You Pay Anyway?Income-Driven Repayment: Is It Right for You?Anna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 6765