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A Las Vegas police officer "accidentally" fired his gun in the Mandalay Bay suite where mass shooter Stephen Paddock fired into a crowd at a music festival on Oct. 1.This is according to the sheriff for Las Vegas. He said the officer was not shooting at anything and it did not happen in the same area where Paddock's body was discovered.The sheriff also said that the 32nd floor where the suite is located did not have security cameras facing the gunman's suite or the stairwell.The sheriff spoke to the Las Vegas Review-Journal.In the shooting, 58 people were killed and hundreds more were injured. The shooter's motive is still unknown and the investigation is ongoing. 685
A digital broadcast network jointly owned by the AMC, Cinemark and Regal chains is adding 200 movie theaters to its distribution of live events.The addition will happen throughout the next year to year-and-a-half in North American, Fathom Events announced this week. Fathom's expansion reaches to more than 1,100 total cinemas and 1,700 screens across the country, a report from Variety states. The expansion is part of an extended agreement with Dish Network that provides the delivery of pre-recorded and live cinema events.Theater chains with screens that will or already do carry live events include AMC, Cinemark, Regal, Harkins, Megaplex, Bow Tie and more.On Thursday, theaters showing Fathom events live will carry an advance screening of the first two episodes from the new YouTube Red Original Series, “Cobra Kai.” The series based on the Karate Kid franchise.Nearly 700 cinemas nationwide will host Thursday's screenings, Variety reported. 987

A helicopter prepares to drop water at a wildfire in Yucaipa, Calif., Saturday, Sept. 5, 2020. Three fast-spreading California wildfires sent people fleeing Saturday, with one trapping campers at a reservoir in the Sierra National Forest, as a brutal heat wave pushed temperatures into triple digits in many parts of state. (AP Photo/Ringo H.W. Chiu) 359
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 Florida Congresswoman is asking her state’s inspector generals to open an investigation into a recent raid on the home of a fired data scientist. This is the latest in growing criticism of the raid.Representative Debbie Wasserman Schultz released a statement Wednesday saying Governor Ron DeSantis “has chosen to abuse Florida’s law enforcement and judicial systems to persecute Rebekah Jones, a scientist who dared to critique his oft-maligned and suspect COVID-19 data.”“The governor’s abuse of power must be investigated immediately by Florida’s relevant inspectors general,” Schultz went on to say. 612
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