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A dispute is brewing between city officials in Denton, Texas and the parents of a 10-year-old boy with autism after body cam footage was released last week from an incident in April showing a school resource officer body slamming the boy, WFAA-TV reported.According to an account of events given to WFAA, the boy, Thomas Brown, poked other students and was ignoring his teachers when a school resource officer was called to the special needs classroom. The boy then backed into a cubby as school staff and the officer closed in. Video of the incident shows the officer picking up the boy as the boy began kicking and screaming. Moments later, the boy was brought to the ground, and placed in handcuffs. Thomas' parents said the use of force was "excessive.""I see a little boy hiding," mother Emily Brown told WFAA. "Not doing anything that's an imminent serious harm to someone else."Brown said she realized just how serious the incident was after she got home and noticed bruises on her son's body. Both the Denton school district and city of Denton both disagreed with Thomas' parents."The safety of all of our students is a top priority and we have protocols in place to ensure this," the Denton Independent School District said in a statement. "In this instance, protocol was followed, with the school resource officer making the determination, after all other efforts to deescalate the situation proved ineffective, that the student was a detriment to his own safety and that of the other students and staff."In the city's statement to WFAA, it claimed that Thomas "was posing a serious threat of injury to himself or others."According to ABC News, the Browns plan on suing the school district and city over the incident.  1791

A man picking up passersby flagging him and his buggy down for a ride is calling his service "Amish Uber."The service is not affiliated with the actual Uber ride-sharing service, but it has been popular in the town of Colon, Michigan, where driver Timothy Hochstedler is using a horse and buggy to cart folks around.Hochstedler has a sign on his buggy that says each ride is and he was offering rides during the town's recent  81st annual Abbott's Magic Get Together festival.WWMT television station talked with people who paid for rises in the buggy, and they said the experience was unique and fun. 626

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 few isolated showers remain in the forecast for Saturday night, although most won't see any rain. We dry completely out on Sunday, as the temperatures cool down. Strong winds continue to target the mountains and deserts, with westerly gusts of 45 to 55 mph. A Wind Advisory is in effect through 10 a.m. for the affected communities.A High Surf Advisory is in effect until 4 p.m. Sunday for waves of 6 to 9 feet and dangerous rip currents with the biggest waves Saturday morning.We may get another chance of rain by late Wednesday or Thursday, but model guidance has been inconsistent. Another chance of rain looks possible for the week of Christmas. Stay with the Pinpoint Weather Team as we track these changes.We officially transition to winter next weekend with the Winter Solstice happening on Saturday, December 21st at 8:19pm.Sundays's HighsCoast: 63°Inland: 59-64°Mountains: 47-53°Deserts: 65-70° 913

A cyber security company is concerned with Amazon’s upcoming Prime Day shopping event.Check Point Research found a significant increase in the number of website domains registered using the words “Amazon” and “Prime.” More than a quarter are considered malicious, and one in ten suspicious.“The user may not realize it’s a fake website, because hackers usually do a really good job of imitating the look and feel of the website they're trying to come off as,” said Maya Levine, security expert at Check Point.Check Point says look for the little "lock" icon next to a website's address and also check for the additional letter “s” after “http.” Those both indicate a reliable site.“This is just something that is making the website a little more secure, so if you're seeing http without the s, that means you're missing that added layer of encryption, that added layer of security,” said Levine.Don't overshare online. You should never have to enter your birthday or social security number to buy something. You should also avoid public Wi-Fi when shopping and reset your Amazon password before you shop Prime Day sales.“If your password for one account got leaked and it’s the same one as your Amazon account, a hacker can take that and test it out,” said Levine.Also be leery of emails or texts about Amazon Prime Day or any events in general. Links often take you to malicious sites. It’s always best to open the app or go to the website yourself. 1458