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A growing list of companies in the United States have recently announced that they’ll start recognizing June 19, or Juneteenth, as a permanent company-wide holiday in support of racial diversity.Juneteenth is a day that commemorates the end of slavery in the U.S. On June 19, 1865, Union troops arrived in Galveston, Texas, with news that the Civil War was over, and that all remaining slaves in the state were free.That was more than two years after President Abraham Lincoln issued the Emancipation Proclamation on Jan. 1, 1863, which declared “that all persons held as slaves” within the rebellious states “are, and henceforward shall be free,” according to the National Archives.Target is among the latest to make Juneteenth a company holiday. The chain made the announcement Monday, saying it wanted to give its employees the space to honor the holiday in their own way. All stores and distribution centers will remain open and hourly team members who work on June 19 will be paid time and a half, like with other holidays. “We recognize that the racial trauma the country is experiencing now is not new, but throughout recent weeks there has been a sense that this time is, and has to be, different,” said Brian Cornell, chairman and CEO at Target. “Juneteenth takes on additional significance in this moment. Moving now to recognize it on an annual basis—as a day to celebrate, further educate ourselves or connect with our communities—is one more important action Target can take as a company to help the country live up to the ideal of moving forward in a new way.” The NFL is also making the move. The league’s commissioner, Roger Goodell, made the announcement Friday in an internal memo obtained by ESPN’s NFL insider Adam Shefter.“This year, as we work together as a family and in our communities to combat the racial injustices that remain deeply rooted in to the fabric of our society, the NFL will observe Juneteenth on Friday, June 19th as a recognized holiday and our league offices will be closed,” Goodell wrote. “It is a day to reflect on our past, but most importantly, consider how each one of us can continue to show up and band together to work toward a better future.” 2202

A family in the San Francisco area received a letter from their son’s middle school recently threatening the child’s arrest for missing 90 minutes of Zoom class, according to local media.“This is our fourth child going through this middle school and out of the blue, we got a letter,” Mark Mastrov told KGO.The letter alleges Mastrov’s son, age 12, missed three 30-minute Zoom sessions as unexcused absences. The district says that makes the boy a truant of the state and makes him “subject to arrest” or a fine."He can become a truant of the state and he could be arrested. I said, ‘Are you going to come and try to arrest my son at my home, or try to fine me for not getting him to his Zoom class perfect, on time, everyday?," Mastrov told KGO.Mastrov’s son spends up to seven hours a day attending virtual school.The middle school told KGO the letter was the result of new state guidelines passed this fall in California that require districts to keep a closer eye on student attendance.“The letter is part of our responsibility to the state for our student attendance review boards. As always, the schools have a responsibility to ensure students are engaged and learning,” Principal Betsy Balmat told KGO.Mastrov says he has heard from other parents in the district who have received similar letters. They are now writing lawmakers asking them to change the law."Obviously we're in a pandemic and Gov. Newsom is trying to manage it, but if the state of California is focusing on arresting twelve year old children for missing 90 minutes of school in ten months... it's ridiculous,” Mastrov told KGO.Like many schools, daily attendance numbers in California are used to determine state and federal funding levels. 1725

A California synagogue has been vandalized with anti-Semitic graffiti less than a week after a gunman killed 11 Jewish worshipers in Pittsburgh.Someone spray-painted "F*** Jews" early Wednesday on the wall of Beth Jacob Congregation in Irvine, police said. The Irvine Police Department posted a surveillance-camera video of a man in a hoodie spraying the exterior of the synagogue.Police said officers will increase patrols around the city's Jewish organizations."IPD has reached out to its partners in the Jewish community to reaffirm the Department's commitment to protecting their members, houses of worship and educational institutions," the department posted on Facebook. Mayor Don Wagner said the vandalism and a similar anti-Semitic incident at Irvine Valley College are "enraging and unacceptable."In early October, police found swastikas scrawled in the restrooms of the college, according to a local councilwoman. 937

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 Florida mother says her daughter was denied lunch on the first day of school because she didn't have money to pay a 15 cent debt.Kimberly Aiken told WKMG-TV in Orlando that her daughter, a sophomore at University High School in Orange City, Florida, was told that she owed 15 cents when she went through the lunch line on the first day of school this week. When she told the cashier that she didn't have any money on her, the cashier allegedly threw the food away.Aiken's daughter did not eat anything for the rest of the school day.According to CBS News, Aiken signed her daughter up for a free and reduced-cost lunch program at University High School. However, the program hadn't taken effect yet. Aiken suspects that the 15 cent deficit was carried over from last year.A spokesperson for the Volusia County Public Schools said the district has contacted the family directly about the issue.Aiken's daughter reportedly brought a quarter to school the next day to cover the deficit and was told the shortage had been taken care of.Alex Hider is a writer for the E.W. Scripps National Desk. Follow him on Twitter @alexhider.  1150

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