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A Black man who was stopped by sheriff’s deputies while jogging in his neighborhood, then later allowed to leave, is partnering with the department to use his experience for training.In late August, Joseph Griffin was jogging when deputies from Volusia County detained him, telling him he “matched the description” of a suspect they were chasing.“Hey buddy, you’re not in trouble or anything,” the deputy starts on the video, telling Griffin he matches the description of a burglary suspect being sought nearby. “Literally they said white tank top and black shorts, and had a beard. I’m not saying it’s you,” the deputy said, telling Griffin he wanted to check in with other deputies at the scene.In the video, you can hear the deputies radio fellow investigators and double check the description. The deputy later tells Griffin he is being told to detain him. The deputy offers to hold Griffin’s phone to continue recording the incident while he is handcuffed.Griffin remains handcuffed for several minutes while deputies wait for confirmation if he is the suspect or not. Griffin stays calm and talks to the deputies during this time.“Seven cop cars, with everything going on, it’s just a little bit scary,” Griffin says. The deputies agree, but say “see it through our eyes,” since he matches the description. “Do you think we want to be out here killing people?”Eventually, Griffin is let go and it is determined he was not the suspect deputies were looking for. The suspect was later arrested. Griffin is seen on camera thanking the deputies, “Officer Estrada, who said from the beginning he wasn’t going to let anything happen to me.” 1648

A former teacher at Our Lady of Lourdes Regional School near Shamokin, Pa. was fired last week after she told the principal she is pregnant and not married.Naiad Reich and her boyfriend Matt Graboski are expecting their first child together. It's supposed to be a happy time for the couple who live near Shamokin. Instead, Reich was fired from her teaching job at a Catholic school because the couple is not married.Reich and Graboski are expecting their first child next summer."I'm extremely excited," Graboski said. "It's one of the most rewarding things you can possibly go through."Recently, that excitement has been overshadowed. For the past two years, Reich was a high school teacher at Our Lady of Lourdes Regional School, a Catholic school near Shamokin.Last week, she told the principal she was pregnant."It was very apparent that she was not happy with the circumstances. Of course, her problem was Catholic morals," said Reich.She said the principal's concern was that the couple are not married. The Diocese of Harrisburg had questions."If there's no eventual plan in the near future to get married, it was either that or I had to be let go," Reich said.Reich didn't want to be fired and understands the Catholic morality code. The couple also wants to get married on their own terms. Reich lost her job last Friday.A spokesperson for the diocese said, "The Diocese of Harrisburg is unable to comment on personnel matters. However, as outlined in our policies, every professional employee agrees to follow the teachings, doctrine, and laws of the Catholic Church as part of the hiring process."Despite all of that, Reich and Graboski have no ill will towards Our Lady of Lourdes Regional School or the Diocese of Harrisburg."This is their beliefs and their moral code and what they live by and I understand that. Though I don't agree with it, I understand," Reich said.Many parents agree with Reich."I get their reasoning behind it and why they have to, but I don't agree with it. I don't think it was very nice to do," said Ashley Stroh of Coal Township."This teacher is not even Catholic. I don't care if she would have been, but it's still wrong for her to lose her job," said Geri Albertini of Shamokin.Reich says, above all else, she misses her students. She says she does not know if she will fight the diocese's decision. 2355

A man and his girlfriend sued the state of Hawaii, saying the false missile alert debacle earlier this year caused him to have a heart attack.James Sean Shields and girlfriend Brenda Reichel filed the suit Tuesday. In addition to the state, Vern Miyagi, former head of Hawaii Emergency Management Agency, is also named as a defendant.In the suit, Shields and Reichel say they were driving to the beach on January 13 when they received alerts on their cell phones that a missile was headed toward Hawaii and that they needed to find shelter."Both plaintiffs believed this message to be true and were extremely frightened and thought they were shortly going to die," the lawsuit reads. "They decided that there was not much they could do to protect themselves from this threat and decided that if they were going to die, they might as well die together on the beach."Reichel then got a call from her son, who serves in the Hawaii Army National Guard. He told her the threat was real, heightening their fears even more.Minutes later, they arrived at the beach and began calling loved ones, saying their goodbyes. Right after Shields called his son and daughter who live on the US mainland, he said he started to feel "a severe and painful burning" in his chest.He went to a hospital where he went into cardiac arrest. A doctor performed CPR, and Shields then underwent emergency surgery.The damage to Shields' heart since the heart attack has been confirmed by several tests, the suit says. 1495

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 former California police officer has been identified as the so-called Golden State Killer believed to have committed 12 killings and at least 50 rapes across California in the 1970s and 1980s, authorities said Wednesday.Joseph James DeAngelo, 72, was arrested after investigators matched a discarded DNA sample from his home to evidence collected at some of the crimes, according to law enforcement officials at a news conference outside the crime lab where the key break in the case was uncovered."We all knew that we were looking for a needle in a haystack," Sacramento District Attorney Anne Marie Schubert said."It is fitting that today is National DNA Day. We found the needle in the haystack and it was right here in Sacramento."DeAngelo was arrested without incident this week in connection with a crime spree that spanned a decade and at least 10 counties throughout California, officials said. His name emerged in connection with the crimes last week."When he came out of his residence, we had a team in place that was able to take him into custody. He was very surprised by that," Sacramento County Sheriff Scott Jones said.DeAngelo, who faces capital murder charges, is being held without bail in Sacramento."All too often we forget to talk about the victims and today we at least brought the first step towards closure for those victims of these horrendous crimes," Jones said.The suspect is a former Auburn, California, police officer who was fired in 1979 for shoplifting a can of dog repellent and a hammer from a drugstore, according to Jones. He worked as a police officer in Exeter and Auburn between 1973 and 1979."Very possibly he was committing these crimes during the time he was employed as a peace officer and obviously we'll be looking into weather it was actually on the job," Jones said.Exeter Police Chief John Hall said, "It is absolutely shocking that someone can commit such heinous crimes, and finding out someone in a position of trust could betray that is absolutely unbelievable."The Auburn Police Department said it will "do everything within its power to support this investigation and any prosecution that follows.""We will pull out all the stops for our Sacramento-area law enforcement partners in this horrific and historic case."From 1976 to 1986, DeAngelo's alleged crimes sowed fear across the state, where the suspect was also known as the "East Area Rapist" and "the Original Night Stalker."Kevin Tapia, who has lived near Deangelo for 20 years, said the suspect was often heard yelling in his home but, in recent years, had become a recluse."He's not like an overly creepy person, but he definitely, you know, kept to himself and kind of was ... a little different," Tapia told HLN. "It was definitely some concern."Jane Carson-Sandler told HLN on Wednesday that she used to live in Citrus Heights -- where DeAngelo was arrested and resided -- when a man broke into her home and raped her while she and her 3-year-old son were tied."When I think back about all of the lives that he destroyed and all of the folks that he has affected over all of these years, I can't help to get angry," she said. "I want to punch him."Carson-Sandler became the first recorded rape victim on June 18, 1976. In an HLN documentary on the case, she said she was dozing in bed with her son after her husband left for work. Then, she was abruptly awoken.A masked man stood in the bedroom doorway, holding a large butcher knife and shining a flashlight at her face.He bound her and her son with shoelaces and blindfolded and gagged them with torn sheets. After moving her son off the bed, he unbound Jane's ankles."And then I knew what he was there for," she said in the HLN documentary, in which she didn't share her last name.That first rape sparked the hunt for the man who authorities say went on to commit rapes and killings in California over the next decade.It's been more than 40 years since his first recorded attacks, which began in and around Sacramento in Northern California. No suspects were caught or even identified in the case. Police only had minor details about his looks, along with a sketch from an almost-victim.In recent years, there was renewed interest in the case. This year, a book and a series from HLN were released, hoping to shed more light on the case.When the Sacramento-area rapes were first being reported, it was always by women who were alone or with their children. But by 1977, a year after Jane's attack, the list of victims had expanded to couples in their homes.Police believe the East Area Rapist killed Brian and Katie Maggiore after the couple -- who were walking their dog at the time -- spotted him before he broke into a home in Rancho Cordova, California, just outside Sacramento, in February 1978. Those were his first known homicides."We thought he would never stop, but then two months after the Maggiore homicides, the East Area Rapist left our jurisdiction. It was like he disappeared in thin air," said Carol Daly, a retired detective from the Sacramento County Sheriff's Department.That's when a serial attacker began terrorizing Santa Barbara County, California -- more than 300 miles south of Sacramento. Police didn't realize it at the time, but the attacker's crimes fit the same pattern as Sacramento's East Area Rapist. He attacked women and couples across Southern California from December 1979 to May 1986, and became known there as the Original Night Stalker."These cases are some of the most horrific I've had to investigate," said Erika Hutchcraft, an investigator for the Orange County District Attorney's Office. "They're not a one-time, you know, crime of passion, but these are almost passionless crimes. Very cold, very violent."Even with such distance between Sacramento and Southern California, detectives in the north who heard about the Original Night Stalker believed he was the same perpetrator as the East Area Rapist."Over the years, we heard of homicides down in Southern California, and we thought it was the East Area Rapist," said Larry Crompton, retired detective for Contra Costa County Sheriff's Department. "But he would not leave fingerprints, so we could not prove, other than his M.O., that he was the same person. We did not know anything about DNA."Once DNA tests were available to investigators, they were able to confirm the same man committed three of the attacks that had previously been blamed on the so-called East Area Rapist, according to Paul Holes, who investigated the case for the Contra Costa County District Attorney's Office."That's when I reached out to Orange County" in Southern California, he says, "just to see, you know, if the East Area Rapist DNA was a match with the Original Night Stalker."In 2001, DNA evidence determined the East Area Rapist was the same offender as the Original Night Stalker.In 2016 -- 40 years after his first attack -- the FBI offered a ,000 reward for any information that could lead to his arrest and conviction."The sheriff's department never gave up on this investigation," Detective Paul Belli of the Sacramento County Sheriff's Department said at the time. "This person ruined a great number of lives, and he should be held accountable." 7255

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