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Whether your car breaks down or you are slapped with a hefty medical bill, odds are most of us are not ready to pay for unexpected expenses. Instead of using a credit card to pay the bill, you might consider taking out a personal loan. Banks aren't the only ones lending money. According to Consumer Advocate, the top lending companies for 2018 include, Lending Tree, SoFi and Upgrade.Alison Norris, a certified financial planner with SoFi says you can borrow up to ,000 with some companies. However, you have a shorter period of time to pay them off. "They are paid off in periods ranging from 2 to 7 years," says Norris. Typically, when you're slapped with an unexpected expense, you reach for the credit card. But Norris says personal loans have a lower interest rate than most credit cards. "It could be the difference between an average credit card APR of 16 percent to a personal loan which can start as low as 6 percent," Norris says.What's different about a personal loan is that there is no collateral, unlike a home or car loan.   "You can compare that to a car loan if you were to stop making payments, it's possible that your car could be repossessed," Norris says.    With a personal loan, it's only backed by your guarantee. But if you can't pay on time, your credit score could take a big hit."It could very much change your ability to get a job in the future or apply for another loan and will have a few other repercussions," Norris says.   But remember, it's best to not take on more debt than what's necessary.   1647

With flu season underway and COVID-19 sweeping the nation, doctors say boosting your immunity the natural way can reduce your chances of getting sick.Health experts say to start by reducing your sugar intake. According to Dr. Stephen Sinatra, sugar can stifle the activity of white blood cells making it harder for your body to fight against illness.But with the holiday season upon us, fighting the sugar craving won't be easy. Cardiologist Stephen Sinatra suggests satisfying that sweet tooth the healthier way by adding berries to your small slice of pumpkin pie. Berries have bioflavonoids, carotenoids and polyphenols, which support the immune system.Consuming Vitamin C rich foods, such as peppers, broccoli, and oranges, are also essential to avoid respiratory infections. Zinc, found in meat, seeds and nuts, is just as important. According to the International Journal of Infectious Diseases, a zinc deficiency could make battling the virus harder and could lead to a long hospital stay and higher death rates.As for Vitamin D, Dr. Sinatra says it’s like a knockout punch against COVID. But getting enough of it could be a challenge this time of year. With more people at home under quarantine and less sunlight during cold months, Dr. Sinatra recommends at least 2,000 to 5,000 units of Vitamin D3 a day during the pandemic.Finally, take quercetin. It's a bioflavonoid found in onions, black tea and green apples. Also, be sure to get plenty of sleep and exercise. Stepping up your nutrients will put you on a path to boosting your body’s natural defenses.This story originally reported by Stacy-Ann Gooden on PIX11.com. 1639

With his spring break just hours away, Central Michigan University student James Eric Davis Jr. was with his parents in a campus residence hall Friday morning when he shot them dead, police say.Davis Jr., 19, shot and killed his mother and father in the dorm on the northwestern edge of campus Friday morning, authorities said, leading to an hours-long manhunt that ended with his arrest early Saturday.It was the nation's 12th school shooting this year.It's not immediately clear what led to the shooting or why the parents, James Eric Davis Sr., 48, and Diva Jeenen Davis, 47, were on campus in Mount Pleasant, a roughly four-hour drive from their Chicago-area home.But authorities said the student had an encounter with police hours earlier -- on Thursday evening when he was taken to a hospital for what officers believed was a bad reaction to drugs, campus police Lt. Larry Klaus said.And the parents may have been intending to pick up their son for spring break, said Andre Harvey, mayor of the Chicago suburb of Bellwood, where the elder Davis was a part-time officer."The family is in shock and trying to piece everything together," a relative, speaking on condition of anonymity, told CNN.Arrest comes after midnightDetails about the younger Davis' arrest weren't immediately clear. But it came early Saturday after someone reporting seeing him on or near campus, the university said."The suspect was seen and reported by an individual on a train passing through the north end of campus shortly after midnight," the university said in an online statement. "Law enforcement personnel responded and arrested the suspect without incident."The shooting, which happened on Campbell Hall's fourth floor around 8:30 a.m. Friday, disrupted a campus that otherwise was winding down for a nine-day spring recess beginning Saturday.Students were told to stay in campus buildings until the afternoon when police officers started allowing them to leave. People trying to enter the campus to pick up students for spring break were initially directed to a campus-area hotel, where the university asked them to wait for instructions.The university's men's basketball home game Friday against Western Michigan University was rescheduled for Saturday morning at a neutral site, Northwood University, where it will be closed to the public except for family members, the Mid-American Conference said.The university, with roughly 23,000 students, is about a two-hour drive northwest of Detroit.Student had 'drug-related' incident earlier, police sayCampus police spoke with Davis Jr. on Thursday night, Klaus said during a news conference."At some point in the evening, he was transported to McLaren Hospital due to what the officers believed may be a drug-related-type incident, an overdose or a bad reaction to drugs. At that point he was released to the hospital staff," Klaus said.As for Friday's shooting, "we're calling it a family-type domestic issue at this point," he said.The victimsThe Davis family was from the Chicago area. Davis Jr. graduated from a high school in Plainfield, Illinois, about 30 miles southwest of Chicago, in 2016, said Tony Hernandez, Plainfield school district spokesman.His father was a part-time police officer in Bellwood for 20 years and assisted the department on special occasions."He was always there when you asked for him to be there," Bellwood police Chief Jiminez Allen said.The elder Davis was a pillar of the community, which has 20,000 residents, and was beloved by friends and neighbors, said Harvey, Bellwood's mayor.An Army veteran, he was also a police officer employed at the Jesse Brown VA Medical Center in Chicago, said center director Marc Magill."The staff at Jesse Brown VAMC take enormous pride in the care we provide our Veterans, and this situation hits us especially hard. We are currently providing grief counseling for staff," Magill said.The violence came more than two weeks after a shooting rampage at Marjory Stoneman Douglas High School in Parkland, Florida, left 17 people dead and spurred a national debate over gun control.Nine weeks into the year and 12 school shootingsCNN's calculation of the number of school shootings include shootings on school property that involve one or more victims and other factors. These can also be domestic violence incidents.The-CNN-Wire? & ? 2018 Cable News Network, Inc., a Time Warner Company. All rights reserved. 4423

When it comes to things like the economy or the military, the United States is considered among the strongest countries in the world.But when it comes to education, the U.S. isn’t making the grade, says Dr. Tanji Reed-Marshall with the Education Trust, a Washington D.C.-based group that aims to pinpoint and fix problems and inequities in education.Through nationwide research, Dr. Reed-Marshall found fixing our schools’ funding could be the ticket to better curriculums, improving classroom leadership and creating quality education in America."It's really important for us to understand how we think through where dollars go," says Dr. Reed-Marshall.Dr. Reed-Marshall says the billion in federal funding is not enough and isn’t going to the right places."In this country, zip code still tells the story about what you're likely to receive and the quality of it," says Dr. Reed-Marshall.Teacher Chrystal Miller stresses the notion that all areas aren’t created equal when it comes to getting a piece of the education pie. If she had to give education funding an overall grade, she says it’d be a D or an F.Miller came from a rural public school in Arkansas to the Washington Leadership Academy, a public charter in D.C. She says the difference in zip code is night vs day, and it shouldn’t be that way."Schools and students should be funded based on their need and not necessarily because you're at this zip code or you have this kind of family background or this kind of economic status,” Miller says. According to research by the Education Trust, students who live in lower income areas get about ,800 fewer tax dollars per student.Dr. Reed-Marshall says tax dollars drive education dollars. She believes there needs to be equal distribution of the tax dollars to raise the U.S. to the top of the ranks and in order to create an even and quality playing field, regardless of where students live. 1919

With Halloween less than two weeks away, many parents are trying to make plans to celebrate now. But with COVID-19 still a concern, families all over the United States are wondering if it's safe to go trick-or-treating this year.WFTS took those concerns to medical experts with Baycare Health, who say with some added safety precautions, your family can still take part in trick-or-treating, handing out candy and other Halloween festivities.If you plan to welcome trick-or-treaters to your home, instead of handing out candy at your door, consider arranging individual treat bags on a table in your driveway or near the front door for a contact-less hand-off."Instead of having it all in a bucket, where everyone is putting their hands in, lay out a row so that when they come up, they can just grab one and go," said Michelle Sterling, the children's wellness and safety specialist with St. Joseph’s Children’s Hospital. "Then, you can refill that row after the little trick-or-treaters leave your house."When it comes to going home-to-home for trick-or-treating, Sterling said be sure to wear a mask when around people who are not part of your household.Also, doctors say Halloween costume masks are not a substitute for a cloth mask unless it is made of two or more layers of fabric and fits snugly around your mouth and nose.Additionally, medical experts say wearing a costume mask over a protective cloth mask can make it difficult to breathe. Instead, they say to consider using a Halloween-themed cloth mask.Doctors also recommend keeping a physical distance of at least six feet from people who are not in your immediate household, using hand sanitizer often, and waiting to eat candy until you are at home and can wash your hands with soap and water.Keep in mind though, updated safety guidelines from the Centers for Disease Control and Prevention discourages families from taking part in traditional trick-or-treating.Sterling is also offering the following tricks for keeping Halloween a treat for your family during the pandemic:Go all out with the Halloween decorations. Keep it budget-friendly by having your kids help create decorations to hang from windows, trees, mailbox, etc. You could even turn one of your bedrooms into a kid-friendly haunted house.Decorate doors inside your house and let your little ones go trick-or-treating indoors. Get the whole family involved with mom or dad behind one door, an older sibling behind another and grandparents behind yet another door.Set up a Halloween-themed scavenger hunt in and around your house. Provide clues and leave treats along the route.Turn up your spooky Halloween music and have a dance party with your children. Organize a virtual Halloween party and let your family and friends show off their best dance moves.Set up a projector in the backyard and watch your favorite Halloween movies.This story was originally published by Lauren Rozyla at WFTS. 2933