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A Democratic lawmaker walked out of a moment of silence for the Texas shooting victims on Monday night to protest a lack of action on gun safety after mass shootings in the United States.Rep. Ted Lieu of California, an outspoken critic of President Donald Trump, said he walked out of the House chamber because he wants to pass a universal background check law, a ban on assault rifles and a ban on bump-fire stocks."My colleagues right now are doing a moment of silence," he said during a Facebook Live from the hallway. "I respect their right to do that and I myself have participated in many of them. But I can't do this again. I've been to too many moments of silences. Just in my short career in Congress, three of the worst mass shootings in US history have occurred. I will not be silent. What we need is we need action, we need to pass gun safety legislation now." 880

A majority of the House of Representatives is on record supporting another billion to help airlines pay their workers through next March. The goal is prevent large-scale layoffs in October, when an earlier round of federal aid runs out. Airlines are staggering under a massive drop in air travel caused by the coronavirus pandemic. On Monday, 195 Democrats and 28 Republicans endorsed more payroll aid for the industry. But the fate of the proposal is unclear. Republicans who hold the majority in the Senate released a new coronavirus-relief measure that did not include the airline provision. 606

A family's SUV found at the bottom of a California cliff last week may have been deliberately driven off the road, police told media Sunday.The bodies of Jennifer and Sarah Hart, both 38, were discovered inside their overturned SUV near a remote stretch of Highway 1 in Northern California last Monday. Emergency responders found the bodies of three of their six children -- Markis, 19, and Jeremiah and Abigail, both 14 -- outside the car. 448

A Fort Hood soldier has been identified as the victim of a drowning in a Texas lake over the weekend.Officials say the body of Spc. Francisco Gilberto Hernandezvargas was recovered after a boating incident on Stillhouse Hollow Lake. The lake is a U.S. Army Corps of Engineers reservoir on the Lampasas River, southwest of Belton. The 24-year-old, whose home of record is listed as Woodside, New York, entered the army in May 2017 as an automatic rifleman and has been assigned to 1st Battalion, 5th Cavalry Regiment, 2nd Armored Brigade Combat Team, 1st Cavalry Division since December 2017.The Bell County Sheriff's Office was alerted that a male, while riding an inner tube behind a boat, went under water and did not surface on Saturday. This took place in the area of Dana Peak Park on Stillhouse Hollow Lake, according to officials.His body was recovered on Sunday.Hernandezvargas’ awards and decorations include the National Defense Service Medal, Korean Defense Service Medal, Army Good Conduct Medal, Overseas Service Ribbon and the Army Service Ribbon.“The Black Knight family is heartbroken by the loss of Spc. Francisco Hernandezvargas. Our hearts go out to his family and friends during this difficult time,” said Lt. Col. Neil Armstrong, commander of 1st Bn. 5th Cav. Regt. “Spc. Hernandezvargas served his country honorably both stateside while at Fort Hood and abroad in Korea and Romania and this tragic loss is felt by every member within our formation.”The unit is cooperating with local authorities as this incident is currently under investigation.The drowning marks the fourth death of a Fort Hood soldier in the past few months. Specialist Vanessa Guillen, Private Gregory Wedel-Morales, and Private Mejhor Morta passed away in separate incidents before Hernandezvargas. This story was originally published by Thalia Brionez at KXXV. 1863

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