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A California police officer shot during the Las Vegas mass shooting outside Mandalay Bay hotel and casino is at home with his family for the first time in months.Friends and family welcomed Ontario police officer Michael Garcia home yesterday. Both he and his fiance were wounded during the Oct. 1, 2017 shooting. At one point she jumped on top of him to shield him from gunfire after he'd been shot in the head.Thanks to her bravery and months of medical assistance, Michael Garcia survived. He's now trying to move forward with his life and regain some semblance of normalcy."It's everything, it's been a long road, so I'm just grateful for everything," said Garcia.Garcia can't work at the moment due to his extensive rehabilitation but that hasn't kept him from being upbeat. Other's have taken notice of his positivity and have decided to help out. That is why when Garcia arrived home he was shocked to find out he was the recipient of a brand new car. All courtesy of a California dealership.When it finally sunk in Garcia joked that the car really wouldn't be his after all. 1090

A jury wants James Fields, convicted of killing paralegal Heather Heyer during a white nationalist rally in Charlottesville, to serve life in prison on the murder charge, it decided Tuesday.They also recommended a 0,000 fine on the murder count. For the five counts of aggravated malicious wounding, the jury said Fields should receive 350 years and a 0,000 fine, and for the three counts of malicious wounding, he should get 60 years and a ,000 fine. For the final count of leaving the scene of the accident, the jury ruled Fields should be imprisoned for nine years.Fields looked straight ahead and gave no audible reaction as the verdict was read.Judge Richard Moore will formally sentence Fields on March 29 and can rubber stamp or overrule the jury's decision. Moore will also decide if the sentences will run concurrently or consecutively.Fields, 21, was attending last year's Unite the Right rally in Charlottesville when counterprotesters demonstrated against the white nationalists. That afternoon, Fields got in his Dodge Challenger and plowed into the counterprotesters at about 28 mph, killing the 32-year-old Heyer.The jury found Fields guilty of first-degree murder and the other counts Friday.In addition to the state charges, Fields also faces 30 federal hate crimes charges. The next step in his federal case is a January 31 status conference.On Monday, Susan Bro finally confronted her daughter's killer, presenting a victim impact statement. She told the court that her family members have attended therapy sessions "to push back the darkness."As for her own life, she said, it will never be the same. At one point, as she read her statement, she apologized to the court, saying it was difficult to read through her tears."Some days I can't do anything but sit and cry as the grief overtakes me," she said.One of the victims of the attack, Star Peterson, said Fields ran over her leg. Not only has it not healed, but "the metal holding my leg together has harbored one infection after the other," she said.Peterson called the last 16 months of her life a "nightmare" and said her 7-year-old son fears going out in public because someone might attack him.A University of Virginia psychologist, Daniel Murrie, who evaluated Fields before the trial, told the court that the 21-year-old had a history of mental illness and was on antipsychotic medication by age 6.He was hospitalized for mental illness when he was 7 and again when he was 15, Murrie said. He was diagnosed with schizoid personality disorder at 14. His father and both grandfathers, too, struggled with bipolar disorder, the doctor said, explaining that one of Fields' grandfathers killed his wife and himself."Mr. Fields did not come to Charlottesville in good mental health. In fact, he came to Charlottesville not having taken medication in two years," the defense attorney argued. "On August 12, he was a mentally compromised individual."Murrie determined that Fields was legally sane at the time of the attack, which is why the prosecution was able to proceed. 3063

A computer model forecast of atmospheric dust for the next 10 days. The plume of Saharan dust is expected to move over the Southeastern US next week. The dust will be primarily at higher altitudes, so the main impact will be some especially colorful sunrises sunsets pic.twitter.com/bBzFp06lCu— NWS Eastern Region (@NWSEastern) June 19, 2020 349

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 helicopter crash killed all 18 people aboard Saturday in a remote area in Russia's Siberia region, state media reported.The helicopter crashed immediately after takeoff in the small Arctic town of Igarka, in the Krasnoyarsk area, after colliding in midair with another helicopter's suspended cargo, state-run TASS news agency reported.It was carrying three crew members and 15 workers from an oil field in the area, Russia's Sputnik news agency said. 460