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A former refugee is using his life experience and brilliant mind to inspire world peace through video games. He’s using a groundbreaking approach that puts the players in a position to save real lives.Lual Mayen is proud of where he came from.“My name is Lual Mayen and I’m from South Sudan,” he said as we started our interview, explaining how his life started. “I was born on the way as my family was actually fleeing war there and ended up in Northern Uganda.”He spent his first two decades on Earth in an environment most couldn’t imagine.“I've been in a refugee camp for like 22 years of my life,” Mayen explains. “That’s where I spent all my childhood in a refugee camp.”Mayen is also proud of where he’s going. He lives in Washington, D.C. now and is focused on helping to chip away at the global refugee crisis. The UN Refugee Agency estimates it affects 79.5 million people.“I'm here to create more opportunities for refugees,” he said, without giving it a second thought.Mayen is accomplishing his goal through video games. He’s the founder, CEO and self-taught developer for his company, Junub Games. And he’s about to launch a new game that’s all about peace.It’s called Salaam, an Arabic word that means peace. We asked Mayen to describe it.“So, Salaam is an Arabic word that means peace,” he starts. “[It’s] a high-tension video game that puts the player in the shoes of a refugee who’s fleeing a country.”In Salaam, the goal is to get your character from a war-torn country to a peaceful space safely. The character faces real-life challenges like hunger and thirst along the way.For Mayen, the project is no game.“That is going to bring the global communities together virtually,” he said.He designed Salaam to include players in the game in a way that’s never been done before.“You are like interacting with a virtual character and you're also interacting with somebody in a refugee camp.”Mayen is teaming up with a nonprofit to give players a hand in helping him change the world. A portion of in-app purchases will go to help refugees.“When you buy food in the game, you actually bring somebody in a refugee camp food,” he explained. “When you buy water in the game, you’re giving them water. When you buy medicine, you are buying them medicine.”He sees the idea as more than a fun way to get players more involved in games. He sees it as a way to make the world a better place.“And that's why I personally believe that we can use our experiences to create a sustainable future for other people.”Mayen credits one person for his success today – his mother.“I'm happy that I have somebody like her in my life,” he said, smiling.He tells the story of how his mom quietly saved money for years to get him his first computer.“And one day, she was like ‘Lual here is 0, you can use it to buy a computer.’ And that moment just changed my life.”Mayen says none of his work will top what she did for him and his siblings, who today, all live in Canada.“I'm proud that no matter what I'm going to do, it will never overshadow the work that she has done in my life.”Today, Mayen stays focused on addressing the refugee crisis he says isn’t going away.“People are being displaced because of war. People are being displaced because of climate change.”He hopes Salaam helps create a solution.“You can be you as a player and you still help people,” he said.And he hopes it gives refugees new opportunity and helps more people realize that refugees are people.“We can be programmers. We can go to the moon if we want. We can be like anything we all want to,” Mayen said through a smile. “If we have opportunity. It’s hope.” 3638

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 GoFundMe created for a Wisconsin man who was shot by police on Sunday afternoon raised more than million in about 24 hours.The campaign was launched by Julia Jackson late Monday morning. "Jacob Blake is a loving father of 6 that deserves proper medical attention and legal representation," Jackson wrote. "We are looking to raise funds to supplement the moral support and prayers we have been receiving. These funds will go toward Jacob’s medical bills, legal representation, support for his children and therapy costs."By Monday afternoon, the campaign had broken the ,000 mark.Jackson has continually raised the fundraising goal as donations poured in. By Tuesday afternoon, the goal was set at million.More than 37,000 people have provided donations to the campaign since it was launched.Click here to view the GoFundMe for Jacob Blake.Jacob Blake was shot by police in Kenosha, Wisconsin on Sunday. Kenosha police did not say what happened leading up to the shooting, but that officers had responded to the area for a "domestic incident."A video circulating on social media shows Blake, 29, walking toward an SUV and attempting to get into it before being grabbed by an officer and being shot several times in the back. Two officers have been placed on administrative leave pending an investigation, the Wisconsin Department of Justice said.The Wisconsin Department of Justice has not released additional information. The investigation is ongoing.This article was written by Mayra Monroy for WTMJ. 1520

A hiker fell to his death on Monday while ascending Yosemite National Park's famous Half Dome trail, the US National Park Service said.The hiker was on the trail's Half Dome cables, the park service said in a statement. He was hiking with another person during thunderstorm activity around 4:30 p.m. when he slipped and fell.The cables take hikers up the last 400 feet to the summit of Half Dome, which rises nearly 5,000 feet above California's Yosemite Valley.Park rangers were notified and went to the scene to assist the second hiker, the NPS said. The missing hiker's body was found around 1 p.m. Tuesday.His identity will be released after his family is notified.The death is the first on the Half Dome cables since 2010 and the first visitor fatality in 2018, the park service said. 797

A major hospital system is managing the fallout of what may be the biggest medical cyberattack in U.S. history.United Health Services says its company-wide network is currently offline due to a suspected ransomware attack.Ransomware is when criminals encrypt files and demand money for a key to unlock them again.Experts say hospitals may be more susceptible while fighting the coronavirus.“Medical record and medical care facilities are prime targets, not only because of the high value of the information, but also because of the fact that people are terribly busy,” said Alan Katerinsky, a clinical assistant professor at the University at Buffalo.It's not just hospitals. Cyber-attack attempts are up about five times since the pandemic started.People working from home don't have the same corporate protections that are normally in place in an office. IT workers may also be remote.“It might be more difficult to work from home and notice things that are going on, instead of just being on-site, on the premises, and seeing what's going on, on an ongoing basis,” said Steve Beaty, a professor of computer sciences at MSU Denver.After a ransomware attack, if an organization doesn't pay to get their files back, they still have to pay for the cleanup.The criminal may retaliate by releasing the private information, like what happened to a school district in Las Vegas this week.There's recently been talk of legislation to make it illegal to pay such ransoms, which may help deter criminals.“They've upped their game partially because maybe they're seeing that there is going to be a limited amount of time this is actually going to work, at least in some jurisdictions,” said Beaty.Cyber criminals often get in through phishing emails, so training to recognize harmful links may help.Companies can also run tests to see if there are vulnerabilities in their systems, but that's more expensive.It's also important for remote workers to use a VPN for privacy. 1971