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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

When will companies learn the golden rule: Think before you tweet.Keurig and other brands caught flack from all sides for how they responded to social media calls to distance themselves from Fox News host Sean Hannity. Companies walked back statements they made on Twitter or struggled to explain their actual relationships to Hannity -- in each case stoking the social media fires.Critics targeted companies that advertised on Hannity's syndicated radio show as well as his Fox News program after Hannity appeared to defend Alabama Republican Senate candidate Roy Moore on Thursday. Moore has been accused of sexual misconduct with teenagers, including a 14-year-old girl. He has denied the allegations.The firestorm began in earnest on Friday. Angelo Carusone, president of liberal watchdog group Media Matters for America, appealed directly to brands like Keurig to cut advertising ties with Hannity."Good afternoon @Keurig. You are currently sponsoring Sean Hannity's show ... please reconsider," Carusone wrote on Twitter.Keurig responded the next morning. The company said on Twitter: "We worked with our media partner and FOX news to stop our ad from airing during the Sean Hannity Show."Keurig's response was praised by Hannity's critics. But it sparked a backlash from Hannity's supporters, who started a #BoycottKeurig hashtag and, in some cases, even smashed their own Keurig machines.By Monday, Keurig CEO Bob Gamgort had apologized for how Keurig responded."The decision to publicly communicate our programming decision via our Twitter account was highly unusual," Gamgort wrote an internal memo to employees. "This gave the appearance of 'taking sides' in an emotionally charged debate that escalated on Twitter and beyond over the weekend, which was not our intent."Keurig wasn't the only company to walk back its initial response to the Hannity controversy.Realtor.com tweeted on Saturday "we are not currently, and will not be running TV ads on Hannity." But it later deleted the tweet, and on Sunday it posted a statement to its corporate blog with a very different message: "We will continue to place ads across a broad range of networks, including Fox News and its top shows."Reddi-wip, which is owned by ConAgra, tweeted on Monday "our objective has always been to reach fans in ways that align with our values. Therefore, we are removing our ads from the show," in response to a user who asked the brand not to support Hannity. Later, the company said "we removed Hannity from our advertising plans," adding on Tuesday, "this program has not been included in our media plan for a long time."A ConAgra representative confirmed on Tuesday that the company has not advertised with the program for months, but added that the controversy hasn't impacted ConAgra's future plans.Irv Schenkler, Director of the Management Communication Program at New York University's Stern School of Business, said that companies need to take a balanced approach when developing their social media strategies. On one hand, firms should be engaging with their customers online. On the other, they should be wary of jumping into a controversy too quickly, he advised.Sometimes when companies tweet "they are acting from the seat of the pants, as opposed to taking a moment to analyze and examine the dimensions of the event or issue," Schenkler explained.By responding too quickly on social media, companies may end up exacerbating controversies that may fizzle out on their own, he said.Brayden King, a professor of Management and Organizations at Northwestern's Kellogg School of Management, said Twitter can be an easy way for brands to get messages to a large audience. "Twitter reaches a lot of people very quickly," he said, while "a press release can be ignored by the very people you want to see it."But companies do face a risk when they use social media platforms to disseminate a position. "If you don't think through the media strategy carefully, you can expose yourself to criticism from other people -- including people you see as potential customers," King said.Schenkler added that brands may sometimes forget how public their Twitter interactions are."What [brands] might consider to be business conversations are just out there, and people forget that," he said. "And they pay the price sometimes."To protect themselves, Schenkler said, companies may want to enact a social media process or protocol that prioritizes the brand's ultimate objectives -- and keep it in mind when responding to a controversy.  4534

When students of Marjory Stoneman Douglas return to class after spring break next week, they'll be required to carry clear backpacks.The move is meant to ramp up security measures after last month's deadly shooting and a series of breaches since then."Clear backpacks are the only backpacks that will be permitted on campus," said Broward County School Superintendent Robert Runcie said in a letter sent to parents. 423

With emotions still raw days after a deadly school shooting in Florida, one Ohio family is fighting back against what they think is an unfair punishment.Beth Mertel says one of her son's peers brought a toy gun to Greenbriar Middle School in Parma on Feb. 8, and pointed it at her son, Joey."He says he doesn't want to be the snitch," Mertel said. "They're 11 years old. They're kids. They're trying to find their place with their friends too."Mertel says the Parma City School District suspended the student who brought the toy gun, along with three other students, including Joey, for knowing about it but not telling an adult about it.The district stands behind the discipline, saying the three additional students were punished under a part of the Student Handbook labeled "Withholding Information."Mertel's concern is with the severity of the punishment, not the rule she admits her son should have followed."No matter how much I disagree with the suspension, you still should have said something," said Beth.Mertel says Wednesday's tragedy in Florida is an important teaching moment."I said [to Joey] you need to go home and turn on the news," said Beth. "You need to watch this, you need to understand this."The district tells us that suspension will stay on Joey's internal school record through middle school and into high school. Beth says it's a hefty punishment that falls short of teaching the lesson she says is worth learning."Whenever you see something, you have to tell somebody," said Mertel. "That's the only way this is going to be taken care of." 1605

White House officials have told congressional leaders and appropriators that President Donald Trump does not want any additional relief funding sent to Puerto Rico, a congressional leadership aide told CNN on Monday.While there are no talks to cut funds that have already been appropriated, a White House aide said negotiations have focused on keeping Puerto Rico relief funding out of a supplemental spending bill that would fund relief efforts in parts of the south that were ravaged by hurricanes this year.That aide noted Puerto Rican officials haven't yet spent all the money Congress has set aside for them, and said the administration is moving to stop any more money from going to help the island "because they don't need it and will most likely not be able to spend it."Trump's latest positioning on Puerto Rico was first reported by Axios. The White House has been making this known on Capitol Hill for "a while now," the congressional leadership aide said.Trump has previously taken aim at Puerto Rican officials?for their management of the billions in relief funds his administration has appropriated for storm recovery, accusing the island's leaders of spending some of that money for reasons other than hurricane clean-up."The people of Puerto Rico are wonderful but the inept politicians are trying to use the massive and ridiculously high amounts of hurricane/disaster funding to pay off other obligations," Trump tweeted on October 23. "The U.S. will NOT bail out long outstanding & unpaid obligations with hurricane relief money!"More than a month earlier, the President had repeatedly dismissed a widely cited death toll that placed the number of lives lost in Hurricanes Irma and Maria around 3,000 by claiming Democrats had exploited the numbers to make his administration look bad. There has been no evidence to indicate that partisan politics has played a role in the calculation of the death tally, and George Washington University, which conducted the study to calculate the death toll, released a statement at the time that said it stands by its work.Talks over stopping future funding for Puerto Rico come as lawmakers look to avoid a government shutdown when temporary spending bills expire in early December. The funding fight could be the last of Trump's presidency waged by a Republican-controlled Congress, as Democrats have an incoming majority in the House.The White House did not immediately respond to a request for comment. A spokesman for Puerto Rican Gov. Ricardo Rossello could also not be reached for comment.In October, the government of Puerto Rico rolled out a five-year economic blueprint that included billion in federal hurricane recovery relief. The plan was approved by a federal control board, which oversees the island's finances. The board's executive director Natalie Jaresko said at the time the funds would not be budgeted for debt payments, but rather to help stimulate the economy.In February, Puerto Rico received billion in federal aid under a disaster relief package signed by Trump.The funding for the devastated island was part of a billion package agreed upon by Senate leaders as part a two-year budget deal to avert a government shutdown. The relief deal covered a number of major disasters across the US, including Hurricanes Maria, Irma and Harvey, and wildfires in California.Puerto Rico had estimated it would need billion to rebuild the devastated island after two destructive hurricanes hit, shredding its power grid and infrastructure. 3555