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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

While much-needed rain falling in parts of Northern California could help firefighters battling the deadly Camp Fire, it could also prompt powerful mudslides and debris flow, adding to the devastation for communities that have already been ravaged by the flames.Authorities fear the showers -- even as they clear the choking smoke and help extinguish flames -- will trigger mudslides and floods in areas scarred by the Camp Fire, complicating the search for victims' remains. Rain could also pile on misery for people forced from their homes, some of whom are living in tent camps outside.Two weeks after the devastating fire started, 563 people are unaccounted for, Butte County Sheriff and Coroner Kory Honea said. Of the 83 killed in the Camp Fire, at least 58 of them have been tentatively identified as rescue crews sift through debris, searching for more remains.The rain could make the process of scouring through the ash and debris more complicated, and lead to treacherous conditions for firefighters, officials said.It has been raining on and off for the past several hours in the town of Paradise, which was wiped out by the fire. A flash flood watch remains in effect through Friday morning, CNN meteorologist Gene Norman said. 1247

When Mahdi Hashemian was looking for a bicycle for his 7-year-old daughter Zeynab last week, the Cambridge, Massachusetts, resident decided to skip his local cycle shops in favor of a Black-owned one a few miles away in Boston’s Dorchester neighborhood.At Spokehouse, a bike shop with “Black Lives Matter” painted in large bold letters outside, the pair picked out a simple, white-colored model and had training wheels and a white basket for its handlebars installed.Hashemian, who is set to earn his doctorate from MIT, said he’s been reminded in recent weeks of the outpouring of support he felt from the campus community when President Donald Trump imposed a ban on travelers from Muslim majority countries in 2017, including his native Iran.“It seems small,” he said of his bike purchase, “but a little show of support can mean a lot.”As the May killing of George Floyd by a white police officer in Minneapolis has fueled a worldwide outcry against racism and police brutality, many on social media are encouraging people to spend their money at Black-owned businesses. Lists of local retailers, artisans and manufacturers have been circulating on Instagram, Facebook and Twitter, helping Black-owned businesses raise their profile at a time when the coronavirus pandemic has ravaged the economy.According to Google, searches for “Black owned businesses near me” reached an all-time high last month in the U.S. Yelp has also made it easier for customers to search for Black-owned establishments on the restaurant review site, and Uber Eats says it’ll waive delivery fees for purchases from Black-owned restaurants through the end of the year.“It’s great seeing people realize that where they shop can be another form of activism, that it’s a way to put your money where your mouth is,” said Randy Williams, founder of Talley & Twine, a Black-owned watch company in Portsmouth, Virginia. “You’re helping Black businesses become self-sustaining, and that helps the whole ecosystem.”Sales at Talley & Twine these past few months are up more than 300% from the same period last year, partly because more people are shopping online during the pandemic, he said. But the company was also recently mentioned on a number of social media lists of Black-owned businesses, and its Juneteenth-themed watch sold out before the June 19 holiday commemorating the emancipation of enslaved African Americans, Williams said.In Los Angeles, cupcake sales and shipping orders on other sweets are up at Southern Girl Desserts after it was also mentioned on social media lists, said Catarah Coleman, co-owner of the bakery in the city’s Baldwin Hills neighborhood.“It’s not nearly the level of business we had before the virus, but it’s something,” she said. “If we only depended on foot traffic and folks just stayed in their own neighborhoods, I’m not sure we’d be able to keep going.”At Slade’s Bar and Grill in Boston’s historically Black Roxbury neighborhood, online gift card purchases and take-out orders are up significantly as the long running soul food and live music venue — which boasted Malcolm X, Muhammad Ali and Martin Luther King, Jr. as patrons in its heyday — is just starting to reopen after shuttering during the pandemic, said Shawn Hunter, the managing partner.“We’re definitely seeing white customers and customers from outside the neighborhood that we would probably have never seen before,” Hunter said.In nearby Dorchester, Kerri Thibodeau said she drove about half an hour from suburban Stoughton to shop at Pure Oasis, the state’s lone Black-owned retail marijuana shop and one of the few in the nation.The 35-year-old mother of two, who is white, said there’s a marijuana shop about five minutes from her house but she decided to support Pure Oasis after hearing that more than 0,000 worth of marijuana products were stolen from the shop during a large Black Lives Matter protest through Boston last month.“We really need to come together and show that it doesn’t matter the color of our skin,” Thibodeau said after buying some marijuana flower and pre-rolled joints last week.But the business boon hasn’t been without growing pains for some companies. Black-owned bookstores have struggled to keep up with a surge in orders, many of them for a handful of sold-out titles on race relations.In Boston, the owners of Frugal Bookstore, the city’s only Black-owned bookshop, say customers are already seeking to cancel orders and complaining about delays and poor customer service. The Roxbury shop, which raised more than ,000 through an earlier social media campaign to help it weather the economic downturn, said in a note to customers that went viral last week that 75% of the more than 20,000 purchases it’s received are for the same 10 books.At Spokehouse, the Boston bike shop, owner Noah Hicks hopes the interest isn’t a passing fad and that it leads to more concrete efforts to address the challenges facing Black entrepreneurs, including access to capital.Hicks said his nearly five-year-old shop’s sales have tripled this month, compared to last June, in part because bike shops are enjoying brisk business during the pandemic .The shop also received about ,000 in donations after it was robbed during last month’s unrest, though Hicks ended up donating about half to efforts benefiting the local Black community, including covering the costs for a “Ride for Black Lives,” a cycling rally in Boston this past weekend.“People being intentional about their economic purchases is refreshing,” he said. ”But we also want them to help tear down the systems that make it hard for us, not just spend their dollars with us.” 5660

While we cannot speak to specific customer scenarios or comment on an ongoing investigation, in general, as people share more information online, instances of identity theft and identity fraud have increased. This is true not just for the wireless industry but also many other industries. As wireless devices have become more sophisticated, their value has increased significantly. According to the FCC, millions of dollars are lost each year due to subscriber fraud, which occurs when someone signs up for wireless service with fraudulently obtained customer information or false identification. Fraud and identity theft impact our customers financially, forcing them to spend considerable time and effort cleaning up their credit and identity. We recognize that the privacy and security of information is of paramount importance to our customers. Unfortunately, it’s a harsh reality that bad actors are always looking for ways to engage in fraud and identity theft. With private customer information in-hand, they defraud banks, retailers, non-profits and more. As fraudsters gather more private information from the dark web and create more authentic looking fake identification, our teams at Verizon are always working to stop these criminals who impact about 7,000 customers every month. If a Verizon customer suspects fraud for any reasons, they should immediately contact Customer Service at (800) 922-0204. 1422

While it's true that premiums for the popular silver Obamacare plan could shoot higher for 2018, most enrollees will actually end up paying less for coverage next year.In fact, more consumers will be able to snag policies that will cost them nothing each month.How can that be?It's because premium subsidies are soaring too, making many plans on the exchanges more affordable.The Trump administration, however, is stressing how much premiums will rise, saying this is yet another sign that Obamacare is irreparably broken. They are downplaying the fact that the subsidies will cover most, if not all, of the cost.Obamacare advocates worry that consumers will be scared off by the news that premiums are skyrocketing for next year. They plan to highlight the fact that many people will be able to find lower-premium policies thanks to the subsidies.Even the Trump administration found that Obamacare plans will be more affordable next year. Some 80% of enrollees will be able to find a policy for a month or less -- up from 71% this year and the highest share so far."This year, more people than any previous year have access to a plan for or less," said Josh Peck, a former Obama administration official and co-founder of Get America Covered, which is promoting enrollment for 2018. "That's what we want everyone to know."Here's why this is happening:Many insurers jacked up the rates of their silver plans in part to make up for President Trump ending federal support for Obamacare's cost-sharing subsidies. These subsidies reduce deductibles and co-pays for lower-income enrollees.Premiums for the benchmark silver Obamacare plan will soar 37%, on average, for 2018, according to federal data released Monday.The premium subsidies are pegged to a benchmark silver plan in each market. So if that plan's rate rises, the value of the subsidy does too. More than eight in 10 Obamacare enrollees receive premium subsidies.Insurers, however, did not hike the price of bronze or gold plans nearly as much. The rate of the lowest-cost bronze plan is rising 17%, on average, while the cheapest gold plan is going up 19%, according to the Kaiser Family Foundation.That means the more generous premium subsidies will cover more of the monthly cost of these plans, so consumers will pay less.A 40-year-old earning ,000 will pay 75% less, on average, for the cheapest bronze plan and 21% less for the lowest-cost gold plan, according to a new analysis by the Kaiser Family Foundation. A 40-year-old earning ,000 will see a 28% drop in the price of the cheapest bronze plan, and an 8% decrease in the least expensive gold plan's premium.Bronze plans have lower premiums, but their deductibles are higher -- nearly ,900, on average, for an individual in 2018, according to a new report from Health Pocket, an online health insurance shopping tool. Meanwhile, gold plans have higher premiums, but their deductibles are only ,320 on average for a single enrollee next year.The cheapest gold plan will have lower premiums than the least-expensive silver plan in 459 counties next year once subsidies are factored in, Kaiser found. Silver plans will have an average deductible of just over ,000 next year.Many more consumers will be able to enroll in bronze plans and pay nothing each month. For instance, a 48-year-old consumer earning roughly ,000 can find a zero-premium policy in nearly 1,050 counties next year, up from 132 counties in 2017, according to an analysis by Oliver Wyman consulting group.Not everyone, however, will be so fortunate. Enrollees who don't qualify for premium subsidies -- those who earn more than ,000 as an individual or ,500 for a family of four in 2018 -- may be hit with the full premium hike. They may be better off buying bronze or gold plans or looking for individual coverage outside of the Obamacare exchanges.  3877