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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

When Nolan Davis called his community to march for Black Lives Matter, hundreds turned up for the cause. On Saturday, he led demonstrators from a park in his hometown of Kirkwood, Missouri to the town's city center, leading chants along the way.But Nolan's protest looked a bit different than others that have taken place across the country in recent weeks — because almost all the participants were children.Nolan, 8, helped organize the protest along with his mother, Kristin Davis. According to CNN, he was inspired to lead his own protest after the two attended a few other rallies in the St. Louis area.Nolan and his mother designed a flyer to get the word out about the protest and shared it on Facebook. Nolan told CNN that he believed that about 50 people would show up to his event. But when he arrived at the park on Saturday morning, there were about 700 people ready to support his movement.According to CNN, Kristin Davis, who is white, adopted Nolan and his 5-year-old sister, Caroline, who are both Black. Their mother says that while she could never understand what her children go through, she's tried to have regular conversations about racism with them to keep them safe."We're preparing them for when they're older and taller and bigger. When they're not going to be perceived as cute little kids anymore," Kristin Davis told CNN.During the protest, Nolan held a sign that read "Kids Can Make a Change," according to photos from St. Louis-Post Dispatch. 1481

With Election Day right around the corner, Mattel has unveiled their latest addition to its "Inspiring Women" series - Susan B. Anthony.The toy company said that it wanted to honor Anthony for her "pioneering efforts and far-reaching impact" in the fight for women having the right to vote."On November 5, 1872, while protesting and leading the charge for women's voting rights, Susan B. Anthony made a defiant move," Mattel said on its website. "She voted in the presidential election and was arrested at her home in Rochester, NY."Because Anthony helped pave the way, the 19th Amendment was passed in 1920, which gave women everywhere the right to vote.Last week, the National Susan B. Anthony Museum and House unveiled the doll inside Anthony's home.In a press release, Deborah L. Hughes, President & CEO of the Anthony Museum, said they were delighted to hear from Mattel's design team about constructing a doll that would reflect "Susan B. Anthony's life and work."The doll's launch in 2020 makes it extra unique since it marks the 100th anniversary of the 19th Amendment passing, Anthony's 200th birthday, and the museum's 75th anniversary.The doll comes dressed in a floor-length black and lace dress, accented with glasses, and a lace collar fastened with a cameo brooch.The doll is available for a limited time only and sells for .99 on Mattel's website. 1378

When a Minnesota teacher learned that her school's custodian was in dire need of a new kidney, she didn't hesitate to step up to the plate.According to the Minneapolis Star Tribune and CNN, teacher Erin Durga and custodian Part Mertens have been co-workers at Kimball Elementary School in Kimball, Minnesota, for nine years.The two were well acquainted — they often exchanged pleasantries in the hall, and Durga's children attended a daycare ran by Merten's wife.Recently, Mertens had been leaving school early three days a week to attend dialysis treatments. Earlier this year, the school organized a "Hats for Pat" fundraiser to help pay for his treatments. But school officials didn't realize how dire Mertens' situation was until his daughter posted a plea for help on Facebook.According to Mertens' daughter, Kayla Matten, none of her fathers' relatives was a match for a kidney transplant."We are now in the process of trying to find someone with an O blood type and someone who is willing to donate their kidney," she wrote, according to CNN.When Durga saw the post, she didn't hesitate. She knew she wanted to donate her kidney to a co-worker in need."Why wouldn't you [do it]?" she told the Star Tribune.In late spring, Durga and Mertens found out they were a match."It brought a few tears to my eyes," Mertens told the Star Tribune. "I'm not much for expressing myself."Despite the COVID-19 pandemic, the two underwent the transplant surgery on July 3. Months later, Mertens is doing well, and the Star Tribune reports that he is no longer "tethered" to dialysis treatments."I can live again," Mertens told the Star Tribune. 1642

While fall brings about vibrant leaves and cooler weather, it can also cause a seasonal affective disorder. It’s a condition that tends to come and go with the seasons. With COVID-19 still a major concern, some experts say SAD may be more noticeable due to the stresses of the pandemic. Social distancing may pose a risk in the coming months as a result of less physical contact.Child and adult psychiatrist, Judith Joseph, know the signs. Symptoms may include oversleeping, change of appetite, weight gain, and feeling tired. It’s a condition that affects about 5 percent of adults in the U.S., and typically lasts about 40 percent of the year. It's also a lot more common in women than men, according to the American Psychiatric Association.With schools now in session and reports of an uptick in coronavirus cases in several NYC Neighborhoods, Dr. Joseph said the combination could lead to even more anxiety.Light therapy may be a good alternative to make up for the loss of daylight. However, she warns patients to only use them under the supervision of a trained medical professional.Dr. Josephs said you can overcome that feeling of worry by continuing to follow COVID-19 safety guidelines while making self-care a top priority.You can start by developing a workout routine and sticking with it. Also, boost your melatonin levels by eating foods such as cherries and walnuts to getting a good night of sleep.The bottom line: don't brush off that sluggish feeling as simply a case of the "blues" or a seasonal funk. When in doubt, contact a mental health physician for advice.This story was first reported by Stacy-Ann Gooden at PIX11 in New York, New York. 1670

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