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A group of California lawmakers is raising new questions about what the state is getting in return for the billions of dollars it has spent combating its homeless crisis.The seven lawmakers, all Republicans, are calling for an audit that will need bipartisan support to get going. In the last two years, California has invested .7 billion on homelessness, and Gov. Gavin Newsom is budgeting an additional .4 billion in next year's budget. Meanwhile, the Federal Department of Housing and Urban Development says California's homeless population increased by 16 percent last year, or 21,306 people. "I don't know where that money is going, and it's being approved by the legislature," said State Sen. Brian Jones, Republican of San Diego County's 38th district, who is calling for the audit. "So if I don't know where it's going, how can the taxpayers know where it's going?"Newsom's office did not immediately respond to a request for comment. Last week, Newsom unveiled a proposal for .4 billion to overhaul medi-cal and create a new fund that would serve in part to help people on the brink of homelessness make rent. San Diego homeless advocate Michael McConnell, who is not a member of a political party, said he has been asking many of the questions those seeking the audit are raising. "We know the big buckets that the money just kind of disappears into, but what we don't do is we don't follow it all the way through to see how many folks were actually getting out of homelessness," he said. The state's Joint Legislative Audit Committee, comprised mostly of Democrats, will consider the audit request at its Feb. 19 meeting. Last year, the San Diego County Taxpayers Association reported that local spending on homeless services increased 20-fold in the prior decade, but varying data collection methods made it hard to track return on investment. 1870

A federal judge ruled on Thursday in favor of journalists and legal observers as part of a temporary restraining order involving the response of federal agents in Portland.The ruling comes less than one day after federal agents protecting a federal courthouse in the Oregon city deployed tear gas at protesters.Among those who was tear gassed was Portland Mayor Ted Wheeler, who objected to the presence of federal agents in the city.The ruling says that federal agents cannot detain legal observers and journalists, nor can federal agents confiscate equipment used by journalists.President Donald Trump ordered federal agents to guard federal buildings and courthouses in major cities. Trump said he blames Democratic mayors for not getting a handle on the unrest that at times has become violent.“We can solve the problem very easily,” Trump said. “We're equipped with the best equipment, the best people. And you see what we're doing. I mean, Portland was coming down. It was busting at the seams and we went into protected all the federal buildings, those federal buildings that totally protected.”But the ACLU of Oregon has pushed back on the administration's response to the unrest, calling the deployment of federal agents an “escalation.”“This is a fight to save our democracy,” said Kelly Simon, interim legal director with the ACLU of Oregon. “Under the direction of the Trump administration, federal agents are terrorizing the community, risking lives, and brutally attacking protesters demonstrating against police brutality. This is police escalation on top of police escalation. These federal agents must be stopped and removed from our city. We will continue to bring the full fire power of the ACLU to bear until this lawless policing ends.”Thursday’s ruling comes after the ACLU and others claimed that the rights of journalists and legal observers were being violated. A freelance photographer, Mathieu Lewis-Rolland, tweeted video he says is of federal agents firing projectiles at him. Video of the incident can be seen here (note, video contains strong language).According to the Portland Police Department, protesters threw a “flaming item” into the federal courthouse on Wednesday. That’s when federal agents addressed the crowd.The police also reported incidents of vandalism and arsons stemming from Wednesday’s demonstration. 2360

A low credit score doesn’t have to stand in your way if you want to get a personal loan to cover an emergency or consolidate your debts.Borrowers with bad credit, which is a FICO score below 630, may need to put in some extra work to qualify for a personal loan. But taking these steps can not only help you get approved, they could also get you a cheaper interest rate.Clean up your credit, shrink your debtBefore you apply for a personal loan, get a copy of your credit report to see what the lender will see on it, says Adrienne Ross, a Washington-based certified financial planner. You can get one free copy of your report from all three major credit bureaus at annualcreditreport.com.The details on your credit report can show you why your score is low and signal how to address the issues before a lender sees it.For example, a past-due account is likely a red flag to a lender, but you’ll have a better chance of qualifying if you can spot it and make the payment before you apply, Ross says.Lenders also consider the percentage of your monthly income that goes toward debt payments, called your debt-to-income ratio. You’ll need a DTI below 50% to qualify with most lenders, and lower is often better.If you don’t urgently need the loan, pay down debt before you apply, Ross says. Not only will lower outstanding balances reduce your DTI, they will also lower your credit utilization, which is the amount of your available credit you use and a main factor in your credit score calculation.Add a co-signer or collateralA quicker solution may be to choose a lender that allows you to add a co-signer. A willing friend or family member with good credit and strong income can help you get approved, says Thomas Rindahl, a CFP with TruWest Wealth Management Services in Arizona.Tread lightly with co-signed loans, he says, because the person you add to your application will be required to pay the loan if you can’t.Some lenders may also offer secured personal loans that require you to pledge something you own such as a vehicle or savings account, he says. Borrowers with fair or bad credit may have a better chance of qualifying and getting better rates with a secured loan, but the lender can seize the collateral if you don’t make your payments.Make a repayment planChoose a lender that reports your loan payments to the credit bureaus, as this can help you build credit, Ross says. This means the next time you borrow money or apply for a credit card, you could get a lower rate.But because lenders report both on-time and missed payments, your ability to make them will determine if your credit improves or worsens.Be prepared to ask questions about rates, terms and extra fees so you understand exactly what you’ll owe each month and when you’ll owe it, Ross says. Knowing that will help you make a plan to manage your payments.Even with a solid payment plan, you could end up late on one or two payments along the way. Since lenders don’t immediately report late payments to the credit bureaus, Ross says, make the payment as quickly as possible to avoid the hit to your credit.Compare lendersComparing offers from online lenders, banks and credit unions can help you find the best rate and features for your situation.Some online lenders offer personal loans specifically for borrowers with low credit scores. Look for reputable lenders that cap their annual percentage rates at 36%, which consumer advocates and financial experts say is the highest rate an affordable loan can have.Bad-credit borrowers will likely qualify for rates close to a reputable lender’s rate cap, but nowhere near the 300% or higher APRs that payday lenders offer.Online lenders may also let you pre-qualify with a soft credit check, allowing you to see what rate and loan amount you could get without hurting your credit score. Many banks and credit unions require borrowers to formally apply to see their offer, triggering a hard check that can cause a temporary dip in your score. Some online lenders can also fund a loan the same or next day, while a bank could take a week or more.On the other hand, your community bank or credit union may be more willing to consider the circumstances if a recent misunderstanding or years-old issue is keeping your credit score down, Rindahl says.“An online lender might have competitive rates, and it might be easy because you can do your application at home, but if you don’t fit their algorithm, you don’t fit their algorithm,” he says. “Your local institution, whether it’s a credit union or bank, is much more likely to look at the person as a whole,” he says.More From NerdWallet4 Steps to Pre-Qualify for a Personal LoanBoost Your Chances of Getting Your Personal Loan ApprovedHow to Get a Personal Loan in a COVID-19 EconomyAnnie Millerbernd is a writer at NerdWallet. Email: amillerbernd@nerdwallet.com. 4850

A co-author of a criminal justice textbook that included convicted sexual assailant Brock Turner’s photo next to the section titled “Rape” is standing by their decision.Last week, a student at Washington State University posted a photo of the book page on Facebook, and it has since been shared over 100,000 times.Callie Rennison, a University of Colorado Denver School of Public Affairs professor and co-author of “Introduction to Criminal Justice: Systems, Diversity and Change,” said that the vast majority of reaction she’s received has been positive. However, critics have said that even though Turner’s crimes may fit the FBI definition of rape, he was not convicted of rape as defined by California law—instead he was convicted of sexual assault.Currently, the federal definition states that if there’s penetration “with any object, any body part, that’s not consensual, then that’s rape,” Rennison said. “Brock Turner was convicted of a penetration offense and under these definitions that’s rape.”Rennison also points out that critics may not have read the entire section of the book and missed some key context.“That particular section is about how definitions change over time,” Rennison said.In fact, California did alter their definition of rape, in part due to Turner's case.She says they will still add even more context in upcoming editions of the book, a fact the publisher confirmed, as well.She contends that the reason Turner’s image was used in the first place was to keep the curriculum current and thus relatable to students in 2017.“This is who students know and students talk about,” she said. “Contemporary references are a must. Looking at older books students aren’t engaged. They don’t think it applies to them in their world.”She also hopes it starts a larger conversation about punishment. Turner’s six-month sentence—of which he served three months—was widely covered in the media.“This allows us to have the discussion about what is the time most people serve for this, and students are shocked to learn that often it's nothing.”Rennison said she and her co-author, Mary Dodge, are the first all-female team of authors to pen a criminal justice textbook.Turner’s attorney, Mike Armstrong, declined to comment for the story, and attempts to reach Turner’s parents were unsuccessful. 2332

A City of Long Beach flag was stolen and replaced with a Trump campaign flag outside the city’s police department public safety building over the weekend.A padlock was placed on the flagpole by the people responsible to prevent the “Make American Great Again” flag from being removed.The department says because of the construction, access has been limited to primarily construction employees. The flagpoles are only accessible from a small, secured parking lot which houses a construction trailer, police said in a release.Video shared by local media shows the campaign flag alongside the American flag and California State flag. 638