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A former student and three current students have been arrested and charged for their involvement in a prank that sent a student riding a dirt bike down a hallway at GlenOak High School in Canton, Ohio.According to officials at the Stark County Jail, all four were arrested for taking part in the prank that allowed a student to zoom through the hall on a dirt bike. The prank sent the school into a lockdown.The school said the incident has raised security concerns. One person involved, Eloy Lopes, 18, isn't a student at the school anymore."Our staff at GlenOak acted swiftly in addressing the immediate safety concerns as a result of the prank," a school representative school said in an email.Lopes was criminally charged with inducing panic with a reckless disregard for others, according to the sheriff. The sheriff's report said he was charged with criminal trespassing because he is not a current student at GlenOak. According to authorities, he held a door open for the dirt bike rider. The three students involved, a 17-year-old male and two 18-year-old males, were also arrested and charged with inducing panic with a reckless disregard for others for their involvement in the prank, according to authorities.The school has not addressed the status of the three current students, nor has it said whether or not security policies will change moving forward. 1515
A mail carrier in West Virginia has pled guilty to attempted election fraud after trying to change the party affiliation on several ballots from Democrat to Republican.Thomas Cooper, who was charged in May, pled guilty Thursday, attempt to defraud the residents of West Virginia of a fair election and one count of injury to the mail, a statement from the Department of Justice said.Cooper delivered letters to Onego, Riverton, and Franklin, West Virginia, all of which are in Pendleton County.According to a statement back in May, a county clerk found that five ballots' party affiliations had been changed from Democrat to Republican, and three other ballots' request had been altered, but their affiliation had not been changed.Cooper said he made the changes as a joke, the statement in May said. 808
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 Long Island woman is showing off the unlimited potential of a tiny home she’s created out of a school bus.Some people call it a magic bus, but Catherine Ovejas likes to call it “apartment 84,” named after her children, who are eight and four.It’s a 30-foot-long, 50-seat school bus that she gutted and turned into a tiny home that sleeps up to four people.“We have here what can be a sitting area, but also a sleeping area,” Ovejas said.She bought the used bus, and with a little outside help she spent six months converting it.It’s about three feet from the sleeping area to the kitchen.“We wanted it to be as self-sustaining as possible, so there is a 55-gallon water tank secured under the bus,” she explained. 728
A former model has come forward with an allegation that President Donald Trump sexually assaulted her in his VIP suite at the U.S. Open tennis tournament in 1997.Former model Amy Dorris told The Guardian that the then-real estate tycoon "shoved his tongue down my throat" and then grabbed her buttocks and breasts despite her denial of his advances.According to The Guardian, Trump's personal lawyers denied the accusation "in the strongest possible terms." Several people close to Dorris, including her mother, her friend and a therapist, told the newspaper that Dorris had told them of the alleged assault either immediately after the incident happened or in the years since.Dorris also provided The Guardian with several photos of her, her then-boyfriend Jason Binn and Trump at the tennis tournament.The White House has not yet responded to media requests for comment about The Guardian's report.According to the newspaper, Dorris was in New York in 1997 with Binn, a friend of Trump's. At the time, Trump was married to his second wife, Marla Maples.During the tournament, Dorris got up from her seat to use the restroom because she was having trouble with her contact lenses. When she was finished in the bathroom, she says she found Trump waiting outside the door.At that point, Dorris says Trump forced himself on her "after a brief exchange." She allegedly told Trump, "no, please stop," but said he "didn't care.""I just kind of was in shock," Dorris told The Guardian. "I felt violated, obviously. But I still wasn't processing it and just was trying to go back to talking to everyone and having a good time because, I don't know, I felt pressured to be that way."Dorris also claims while she wasn't sure if she got specific about the incident with her boyfriend, she later told Binn that he had to "do something" about Trump because he was "all over her."Dorris spent the next few days with Binn in New York, and saw Trump several more times during her trip. She said Trump did not make any more physical moves but continued to pursue her with leading questions.Dorris told The Guardian that she continued to stay in New York because she hadn't fully processed what had happened."I was there from Florida and I was with Jason. I had no money, nowhere to go. We were going from event to event and it was overwhelming," Dorris told The Guardian. "People spend years around people who have abused them, that's what happens when something traumatic happens, you freeze."The allegation is just the latest assault allegation made against Trump in recent years. Trump is currently facing two lawsuits regarding assault allegations, and several women came forward prior to the 2016 election to formally accuse Trump of assault. During that election cycle, a video leaked in which Trump boasted about sexually assaulting women.Dorris considered coming forward in 2016 with her allegation but decided to remain silent for her family's safety. But according to The Guardian, she wants to be a role model for her 13-year-old twin daughters."I want them to see that I didn't stay quiet, that I stood up to somebody who did something that was unacceptable," Dorris told The Guardian. 3189