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A family is grieving after their loved one died when her home collapsed during a tornado in Kentucky."It's just like it flattened everything," Tammy Brown said.Brown said she is devastated and in disbelief after the force of a tornado brought down her parent's home on Dot Road in Logan County."He lost everything in 12 minutes," Brown said.She visited them just moments before the tornado struck."I mean, I left here yesterday at 3:15 p.m., and this place was picture perfect," Brown said. "And you look at it today, and you've got metal in all the trees. They've been walking around in the fields, and they went all the way to the river and they were finding my daughter's toys."Dallas Combs, 79, who went by Jane, was inside the home when it collapsed."Dad's not coping… he was the one that found her," Brown said.John Combs was outside putting down sandbags when the tornado hit."So when it took the roof off, it sucked him back through the basement, so he immediately went up the steps, and he started calling for her," Brown said. "He moved a big thing of bricks, and he knew the minute he saw her she was gone."The woman he loved was taken from him. They had lived in that home for 30 years."All he can tell me is, 'The love of my life is gone' and 'I can't live by myself because I've never been by myself,'" Brown said.Jane and John were just months away from celebrating their 60th wedding anniversary."She was a very Christian woman, and her last words to you every single time was, 'I love you.' Because she never knew if when she saw you, it was going to be the last time," Brown said.On Saturday, Tammy Brown's mother said "I love you" for the last time.She said it's upsetting that her parents had no warning."My phone went off after she was dead," Brown said.According to the National Weather Service's report, the EF-2 tornado touched down at 3:54 p.m. on Saturday. The tornado warning was issued at 4:06 p.m. according to the NWS survey team from Louisville, Kentucky.For this family, it was too late, and now they begin the process of rebuilding without Jane by their side."I'm like, we'll make it through it, dad," Brown said. "We'll make it through it."The couple had made plans to move to Lexington this year and lease out their farm.According to family, the funeral will be held there. 2351

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 limousine carrying several couples to a birthday party failed to stop at an intersection in upstate New York and struck a parked vehicle, killing 20 people in the deadliest transportation accident in the United States in nearly a decade, according to authorities and a family member.The 2001 Ford Excursion limo was traveling southwest on State Route 30 when it didn't stop at the intersection with State Route 30 A and collided with an SUV in a parking lot shortly before 2 p.m. Saturday in Schoharie, New York State Police First Deputy Superintendent Chris Fiore said.All 18 people in the limo were killed, including the driver, Fiore said Sunday. Two pedestrians near the unoccupied, parked 2015 Toyota Highlander were also killed, he said.Valerie Abeling told CNN her niece, Erin Vertucci and Erin's husband Shane McGowan, who were married in June, were among the victims in the limo."My family is just going through a lot," Abeling said. "It's a horrible tragedy and there's no words to describe how we feel."Authorities are still notifying the families of victims and declined to release the victims' names, according to Fiore. 1143

A former Trump World Tower doorman who says he has knowledge of an alleged affair President Donald Trump had with an ex-housekeeper, which resulted in a child, is now able to talk about a contract he entered with American Media Inc. that had prohibited him from discussing the matter with anyone, according to his attorney.On Friday, Marc Held -- the attorney for Dino Sajudin, the former doorman -- said his client had been released from his contract with AMI, the parent company of the National Enquirer, "recently" after back-and-forth discussions with AMI.CNN has exclusively obtained a copy of the "source agreement" between Sajudin and AMI, which is owned by David Pecker. 686

A Las Vegas police officer "accidentally" fired his gun in the Mandalay Bay suite where mass shooter Stephen Paddock fired into a crowd at a music festival on Oct. 1.This is according to the sheriff for Las Vegas. He said the officer was not shooting at anything and it did not happen in the same area where Paddock's body was discovered.The sheriff also said that the 32nd floor where the suite is located did not have security cameras facing the gunman's suite or the stairwell.The sheriff spoke to the Las Vegas Review-Journal.In the shooting, 58 people were killed and hundreds more were injured. The shooter's motive is still unknown and the investigation is ongoing. 685

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