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Whether your car breaks down or you are slapped with a hefty medical bill, odds are most of us are not ready to pay for unexpected expenses. Instead of using a credit card to pay the bill, you might consider taking out a personal loan. Banks aren't the only ones lending money. According to Consumer Advocate, the top lending companies for 2018 include, Lending Tree, SoFi and Upgrade.Alison Norris, a certified financial planner with SoFi says you can borrow up to ,000 with some companies. However, you have a shorter period of time to pay them off. "They are paid off in periods ranging from 2 to 7 years," says Norris. Typically, when you're slapped with an unexpected expense, you reach for the credit card. But Norris says personal loans have a lower interest rate than most credit cards. "It could be the difference between an average credit card APR of 16 percent to a personal loan which can start as low as 6 percent," Norris says.What's different about a personal loan is that there is no collateral, unlike a home or car loan. "You can compare that to a car loan if you were to stop making payments, it's possible that your car could be repossessed," Norris says. With a personal loan, it's only backed by your guarantee. But if you can't pay on time, your credit score could take a big hit."It could very much change your ability to get a job in the future or apply for another loan and will have a few other repercussions," Norris says. But remember, it's best to not take on more debt than what's necessary. 1647
Where and how Americans work has forever changed because of COVID-19. If you have the type of job that can be done remotely, you can do it wherever you can find internet.Some are taking the opportunity to work from new and exotic locations. As we all approach the fall, parents are realizing that kids can learn from anywhere too.When the pandemic hit, and everyone went remote, David Wells and his girlfriend hatched a plan. It was time to leave Brooklyn.“It’s a wonderful place, that said it’s an urban metropolis and we are people who love to be outside and Idaho is a different type of location that offers various outdoor activities that are important to us,” Wells said.So, they left. After all, all they really need is an internet connection.“The traditional work day has totally changed with our present situation and it’s taken some time to get used to it,” Wells said. “The ability to work remote and see new parts of the country and it makes you happier and ultimately a more productive employee.”Now, they fish, horseback ride, explore and hike. They've even taken up archery.“We’ve hiked in the Tetons, we’ve horseback with a number of outfitters, we’ve taken day trips to other cities like Ashton in St. Anthony. We saw the dunes in St. Anthony,” Wells said.All while keeping their day jobs.“They understand as long as you’re present and you have internet access that you’re able to do whatever it is you need to do, whether you’re in an office or remote,” Wells said.Property managers say it's a trend they're seeing a lot of.“The 30-day rental used to be more of a unicorn than it is now,” Danessa Itaya, president of Property Management Inc., said.PMI has 260 franchises across the United States.“We hear from our franchisees that they’re getting these 2-3 month rentals, but they’re asking for upgrading internet so I can work remotely (and) how easy can I access the grocery store and the beach,” Itaya said.San Antonio, Texas, Austin, Texas, Naples, Florida, and Idaho are destination hot spots.“Driggs, Idaho, is a feeder into Yellowstone, into Jackson Hole, Wyoming, and they’re regularly looking at 1-3 month rentals. You don’t usually get that, especially in Driggs, Idaho,” Itaya said.Now, as fall approaches, the other inquiry is about school, and internet bandwidth to support both distance learning and remote employees.“They need high-speed internet which is not common,” Itaya said. “You don’t normally get that request from a vacation rental. They need reliable internet and they need cleaning services and laundry services so they’re looking for longer stays.”Proof that people are finding the coronavirus quarantine as an opportunity to do something you would otherwise never do.Wells and his girlfriend are planning on making it a tradition. 2783

WESTMINSTER, Colo. — A family's lifeline was stolen right in front of their home on Tuesday morning. Someone took off in their 2004 Toyota Highlander with something even more valuable inside — an electric wheelchair. "She goes 'let me just go get the car; I'll be right back,' " said Candace Trujillo.Trujillo's mom drives her to work every morning because she's unable to drive herself. She has brittle bone disease and uses a wheelchair to get around. "I was born with 26 fractures," Trujillo said.Doctors didn't expect her to live past age 2. She's now 28 years old and works five days a week. The morning started off just like any other. Trujillo woke up at 3 a.m. to start getting ready for her job in customer service. She usually leaves the house around 5 a.m. Her mom will pull the car up, load the wheelchair and then help her into the car. On this cold morning, she left the car running and it was gone 10 minutes later."It also had my wheelchair on there, which are my legs. I can't go anywhere without those," said Trujillo.The ,000 power wheelchair was recovered three hours after the vehicle was stolen. It was abandoned approximately 15 minutes from their home."It's just been going on and on in my head all day, I just don't understand why," said Trujillo.The car is still missing, and without it, Trujillo has no idea how she's going to get to work."It's really awful. I don't even know how to describe it," she said. "I'm at a loss of words because the car is everything to us right now. We don't have one." 1581
While most Republicans have remained silent on Saturday after Joe Biden being was projected to win this week's presidential election, a handful of Republican office holders offered congratulations for Biden. Most notably, Mitt Romney, who voted to impeach Donald Trump, was among the first Republicans to issue a statement. 332
When exploring mortgage options, it’s likely you’ll hear about Federal Housing Administration and conventional loans. Let’s see, FHA loans are for first-time home buyers and conventional mortgages are for more established buyers — is that it?Not necessarily.Actually, the differences between FHA loans and conventional mortgages have narrowed in the past few years. Since 1934, loans guaranteed by the FHAn have been a go-to option for first-time home buyers because they feature low down payments and relaxed credit requirements.But conventional loans — which are not insured by a government agency like the FHA, the Department of Veterans Affairs or the U.S. Department of Agriculture — have gotten more competitive lately.Both types of loans have their advantages. Here are the factors to consider when deciding between an FHA and a conventional mortgage. 886
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