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A bus carrying Houston-area band students fell into a 50-foot ravine in Baldwin County, Alabama, early Tuesday morning, killing the driver, police said.The crash and rescue effort closed down Interstate 10 in both directions near the Florida state line.The bus struck a bridge support when it landed in the ravine, and inspectors need to make sure the bridge is sound before reopening the interstate, he said.A wrecker was pulling the bus out of the gulley as Alabama State Trooper Capt. John Malone spoke to reporters."The bus came to rest on one side down in the ravine. Those had to either be brought up by ropes or rappelling individuals from the fire department during the rescue operation. Some were carried out by either deputies or other law enforcement," Baldwin County Sheriff Huey Hoss Mack said, explaining that the depth of the ravine complicated rescue efforts.First Class Tours, which operated the bus, identified the driver as Harry Caligone, a longtime employee of the company"We are deeply saddened for this loss. We offer our heartfelt condolences to his family," the bus company said.Mack said several injured people were taken to 10 hospitals in Baldwin County, the Alabama cities of Mobile, Daphne and Fairhope, and Pensacola, Florida. He estimated there were about 45 people on the bus.Sacred Heart Hospital in Pensacola received 18 of the patients, according to its website.Six or seven Medevac helicopters transported patients to hospitals, the sheriff said. One patient remains critical, he said, and five are in serious condition. The rest of the injured, including a Baldwin County deputy hurt during the extrication process, suffered minor wounds, he said.A video of the crash showed a bus on its side in a grassy aqueduct as rescuers with flashlights scoured the area. Firefighters looked down from a bridge, a line of emergency vehicles lining the road leading up to the bridge.The bus' front axle appeared separated from the vehicle and at least two doors to luggage compartments had been ripped off the side. The roof of the bus also appeared damaged.The bus was traveling west, carrying the students home from Central Florida when it drove into the median on Interstate 10 and then into the ravine at Cowpen Creek, about 5:30 a.m. (6:30 a.m. ET), Mack said.The creek runs through the ravine, and there is water in the creek, but the bus did not land in the water, said Baldwin County Sheriff's Maj. Anthony Lowery.The last victim was extricated from the crash shortly before 9 a.m. (10 a.m. ET), Mack said."The next thing we needed to do was get blankets up here. Of course they were cold. It was 40 degrees this morning."Mark Kramer, a spokesman for Channelview Independent School District in unincorporated Harris County, Texas, said, "A charter bus transporting Channelview High School band students was involved in an accident on Interstate 10 in Alabama early this morning. At this time, details are limited."First Class Tours said in a statement that the bus was carrying students home from Orlando, Florida, and the company is cooperating with investigators."Our prayers are with the injured and their families at this time," the statement said.Baldwin County runs up the eastern edge of Mobile. Bay Minette is its county seat. 3276

A man accused of running a multi-million dollar investment fraud scheme appeared in court for his preliminary hearing Monday.Jacob Cooper was the CEO of Total Wealth Management in San Diego. Prosecutors allege Cooper received a referral fee for placing clients’ money in certain funds. In many instances, Zipp said he received greater compensation through the referral fee than through his clients’ fees, creating a “blatant conflict of interest.”“He mainly was interested in whether a particular fund would enrich him, not whether it would enrich his paying client,” said Deputy District Attorney Rebecca Zipp.Zipp said Cooper had “no regard to investor goals or suitability for the investor.”Several clients testified in court Monday morning. Loren Engel said he and his wife both invested with TWM. He said they lost approximately 5,000. Engel was not aware Cooper and TWM were receiving what many victims described as kickbacks.“The risk of being defrauded is not a reasonable risk to assume,” Engel said, when the defense asked if he understood investments have risks.Many clients first learned about TWM through Cooper’s weekly radio show. Cooper also regularly appeared on local media.George Rasor called TWM after hearing Cooper on the radio. He testified that he invested more than 0,000. His son Jeffrey Rasor saw red flags when trying to get information about his father’s investments.“Questions not answered, not acceptably answered,” Jeffrey Rasor said when recalling TWM’s response after meeting with the company a few years ago. “Too much vagueness and a real concern that my father’s investments were in jeopardy.Cooper faces 19 felony counts, including conspiracy to commit a crime, elder theft, and making false statements in connect with sale of a security. Zipp said he could face a maximum of 23 years in prison if he is convicted. Cooper also faced several civil lawsuits and an investigation by the Securities and Exchange Commission.Cooper’s defense attorney, John Kirby, denies his client did anything wrong.“He did not have the intent to enrich himself above the interest of his clients,” Kirby said. Kirby said there were a number of funds where he received revenue sharing, but any conflict of interest was set out in documents.“Mr. Cooper had no intent to cheat or steal from anyone,” Kirby said. “He made bad investment decisions.”Kirby said Cooper and his family also lost money through the same investment funds. The preliminary hearing is expected to last several days. Two others connected with TWM already reached a plea deal. Doug Shoemaker and Nathan McNamee are scheduled to be sentenced later this week. 2656

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 letter that's being circulated on Capitol Hill reveals multiple incoming freshmen -- who were largely noncommittal on the House speaker race during their campaigns --- will in fact support Nancy Pelosi.The letter, obtained by CNN, is still being circulated and so far includes 61 signatures from women incumbents and members-elect. It comes as Pelosi is shoring up support from the progressive base this week with endorsements from large and powerful groups, as well as prominent progressives in Congress — a move that will put pressure on wayward Democrats to back her bid.MoveOn, Indivisible and Tax March were among the progressive groups that threw their support behind Pelosi on Thursday and Friday, soon after she met with the Congressional Progressive Caucus. All told, 34 outside groups have backed the California Democrat. Also this week, a group of 100 LGBTQ advocates and leaders endorsed Pelosi in a letter.Rep. Pramila Jayapal, a co-chair of the progressive caucus along with Rep. Mark Pocan, earlier this week would not say whom she's supporting, but she is listed on the women's letter in support of Pelosi.Also on the letter are members-elect like Angie Craig of Minnesota, Ilhan Omar of Minnesota, Dr. Kim Schrier of Washington state, Lori Trahan of Massachusetts, and Jennifer Wexton of Virginia.Below are all the freshmen on the list: 1388

A man accused of running a multi-million dollar investment fraud scheme appeared in court for his preliminary hearing Monday.Jacob Cooper was the CEO of Total Wealth Management in San Diego. Prosecutors allege Cooper received a referral fee for placing clients’ money in certain funds. In many instances, Zipp said he received greater compensation through the referral fee than through his clients’ fees, creating a “blatant conflict of interest.”“He mainly was interested in whether a particular fund would enrich him, not whether it would enrich his paying client,” said Deputy District Attorney Rebecca Zipp.Zipp said Cooper had “no regard to investor goals or suitability for the investor.”Several clients testified in court Monday morning. Loren Engel said he and his wife both invested with TWM. He said they lost approximately 5,000. Engel was not aware Cooper and TWM were receiving what many victims described as kickbacks.“The risk of being defrauded is not a reasonable risk to assume,” Engel said, when the defense asked if he understood investments have risks.Many clients first learned about TWM through Cooper’s weekly radio show. Cooper also regularly appeared on local media.George Rasor called TWM after hearing Cooper on the radio. He testified that he invested more than 0,000. His son Jeffrey Rasor saw red flags when trying to get information about his father’s investments.“Questions not answered, not acceptably answered,” Jeffrey Rasor said when recalling TWM’s response after meeting with the company a few years ago. “Too much vagueness and a real concern that my father’s investments were in jeopardy.Cooper faces 19 felony counts, including conspiracy to commit a crime, elder theft, and making false statements in connect with sale of a security. Zipp said he could face a maximum of 23 years in prison if he is convicted. Cooper also faced several civil lawsuits and an investigation by the Securities and Exchange Commission.Cooper’s defense attorney, John Kirby, denies his client did anything wrong.“He did not have the intent to enrich himself above the interest of his clients,” Kirby said. Kirby said there were a number of funds where he received revenue sharing, but any conflict of interest was set out in documents.“Mr. Cooper had no intent to cheat or steal from anyone,” Kirby said. “He made bad investment decisions.”Kirby said Cooper and his family also lost money through the same investment funds. The preliminary hearing is expected to last several days. Two others connected with TWM already reached a plea deal. Doug Shoemaker and Nathan McNamee are scheduled to be sentenced later this week. 2656

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