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White House chief of staff John Kelly personally denied calling President Donald Trump an "idiot" in an afternoon conversation with the commander in chief, relaying nearly the same statement in his face-to-face talk with the President as the one he released publicly, according to an administration official.An NBC report published Monday claimed, among other things, that Kelly had said during an immigration-related meeting that he needed to "save (Trump) from himself" while insulting the President's intelligence by calling him an "idiot.""I spend more time with the President than anyone else and we have an incredibly candid and strong relationship. He always knows where I stand and he and I both know this story is total BS," Kelly said in a statement. "I am committed to the President, his agenda, and our country. This is another pathetic attempt to smear people close to President Trump and distract from the administration's many successes."The situation is similar to when reports surfaced that then-Secretary of State Rex Tillerson called Trump a "moron."But the White House official pointed out a big difference between the Kelly incident and Tillerson -- Kelly immediately denied the report and denounced it to the President's face. Tillerson declined to do so, simply saying he wouldn't play that Washington game. 1348

With hurricane season in full swing, there's a lot of talk from meteorologists about hurricane "categories." What do they mean, and what do they tell us about a storm?It turns out, a hurricane's category is only based on one thing: wind speed.According to the National Hurricane Center's website, the agency relies on the Saffir-Simpson Hurricane Wind Scale to determine a storm's strength. The scale categorizes a hurricane on a 1-5 scale, based on the storm's maximum sustained winds — the one-minute average of the wind speed taken from inside the storm.When storms over the Atlantic begin to organized into a rotating system around a central "eye," and sustained wind speeds in the storm reach 39 mph, it's classified as a tropical storm. Once wind speeds in the system reach 74 mph, it becomes a hurricane.From there, the NHC uses the Saffir-Simpson Scale to determine how much destruction a hurricane is expected to inflict on an area. While any hurricane is expected to cause damage to homes and topple some trees in its path, higher wind speeds can lead to trees blocking roads and downing power lines, isolating communities without power or access to water for weeks — or even months.STRENGTHMAX SUSTAINED WIND SPEEDDESTRUCTION CATEGORY 1Between 74 mph and 95 mphWell-constructed houses could have damage to roof, shingles, vinyl siding and gutters. Large branches of trees will snap and shallowly-rooted trees may be toppled. Extensive damage to power lines and poles likely will result in power outages that could last a few to several days. CATEGORY 2Between 96 mph and 110 mphHouses could sustain major roof and siding damage. Many shallowly rooted trees will be snapped or uprooted and block roads. Near-total power loss is expected with outages that could last from several days to weeks. CATEGORY 3 (major)Between 111 mph and 129 mphHouses may incur major damage or removal of roof decking and gable ends. Many trees — regardless of root depth — will be snapped or uprooted, blocking roads. Electricity and water will be unavailable for several days to weeks after the storm passes.CATEGORY 4 (major)Between 130 mph and 156 mphHouses can sustain severe damage with loss of most of the roof structure and possibly some exterior walls. Most trees will be snapped or uprooted and power poles will topple. Fallen trees and power poles will isolate residential areas. Power outages will last weeks to possibly months. Most of the area will be uninhabitable for weeks or months.CATEGORY 5 (major)Above 157 mphA high percentage of framed houses will be destroyed, with total roof failure and wall collapse. Fallen trees and power poles will isolate residential areas. Power outages will last for weeks to possibly months. Most of the area will be uninhabitable for weeks or months.Any hurricane that reaches Category 3, with sustained winds above 111 mph, is considered a "major" hurricane. According to the NHC, that's because "of their potential for significant loss of life and damage." But that doesn't mean Category 1 and 2 hurricanes can't be deadly.The NHC itself says that Category 1 and 2 hurricanes are "still dangerous" and "require preventative measures."While Hurricane Sandy peaked at Category 3 intensity when it made landfall in Cuba in 2012, it had collapsed into a post-tropical cyclone by the time it reached New Jersey on Oct. 29. Even though the storm only had Category 1 strength winds, it still resulted in the deaths of 131 people in America, according to media reports, and an estimated billion in damages — the second-costliest hurricane in U.S. history up to that point.The Saffir-Simpson Scale also doesn't take into account storm surge in coastal areas and flash flooding caused by the surge and heavy rain. Flooding can cause significant property damage and make main roads — including expressways — inaccessible. 3864

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

West Virginia legislators scrambled Monday to see whether there is enough money to meet teacher pay demands and end a strike that has dragged into its eighth day.A legislative conference committee appointed to resolve differences between the state Senate and House is scheduled to meet at 4 p.m."We recognize the urgency of this situation," said Delegate Paul Espinosa, chair of the House Education Committee and co-chair of the conference committee on House Bill 4145, the pay raise legislation.Gov. Jim Justice and the union leaders last week agreed that teachers and service personnel would receive a 5% pay raise. The House approved the proposal, but the Senate passed a 4% raise. Union leaders say the teachers won't return to work until they get a 5% raise.Espinosa said he has been speaking with his counterpart in the Senate, Majority Leader Ryan Ferns, "on how we would like to proceed with the committee's work to resolve the differences" between the Senate and the House of Delegates.Democrats in the Legislature say new revenue projections show the money is there and that a 5% raise would amount to million more in spending than a 4% bump."This situation has evolved very quickly in recent days, and we want to make sure committee members have a full array of accurate information available to make a well-informed decision," Espinosa said.."To accomplish that, we have instructed our respective Finance Committee staffs to pull data and put together the necessary fiscal information, and have separately reached out to the Governor's Office staff to ask for more budgetary information from the executive branch."West Virginia public school teachers are continuing their strike because the Legislature didn't meet their demand for higher pay and better benefits over the weekend. All 55 counties announced school closures for Monday. About 20,000 teachers walked out February 22, keeping almost 277,000 students out of class.West Virginia public school teachers earn an average salary of about ,000, making them among the lowest paid educators in the United States. School service personnel are also walking out.The pay raise must be passed as a law, since West Virginia is not a collective bargaining state.The House bill with the 5% raise quickly passed Wednesday, but Senate lawmakers expressed concern about how the state will fund the raise and passed the 4% version on Saturday after hours of debate and discussion.The House voted not to adopt the 4% version of the bill. With no agreement between the chambers, the conference committee was created. Three members from the House and three from the Senate -- two Republicans and one Democrat -- were selected.The group has until Tuesday to come to a decision about the bill. The House and the Senate could extend that deadline. If a meeting of the minds eventually fails, an earlier law specifying a 2% raise for teachers' pay would kick in, and then 1% over two years.The issue of teachers' pay isn't restricted to West Virginia. In Oklahoma, public school teachers are considering a statewide strike over their salaries.West Virginia teachers are equally unhappy with their employee health insurance program. Tentative agreements on pay did not include a fix to the Public Employees Insurance Agency (PEIA), which employees say requires them to pay premiums that are too high.A task force on the health insurance issue meets March 13. 3419

Will the iPhone X change your life for the better and usher you into the future, face first? Or is it just another smartphone with a giant screen and a strange little rectangle on top?We've only had the phone since Monday morning. It's more than the few minutes of hands-on time reporters had when the device was launched, but a day is not enough time to fairly review the iPhone X. It's like deciding if you want to marry someone after one blind date.So while we test, tinker and tap this week, here are some first impressions to whet your appetite, presented as yearbook superlatives: 594

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