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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

Whoa. Just after noon, a BIG fireball flashed through the sky over Niagara. The @EarthCam CN Tower cameras caught the flash from it at ~12:03:32! Wow, it was bright!#Fireball @amsmeteors pic.twitter.com/6piLtC1Kqt— Scott Sutherland (@ScottWx_TWN) December 2, 2020 271

When President-Elect Joe Biden and Vice President-Elect Kamala Harris take office in January, they will face a list of extraordinary challenges. The coronavirus pandemic and America's response to it will loom large. The same week our country voted for president, there were record numbers of new COVID-19 cases and hospitalizations and deaths continue to rise. Vaccines are being developed and could be ready for widespread distribution next year. There is also the financial and jobs concerns in the wake of the pandemic. Many are hoping conversations about economic relief can start up again now that results of the election are becoming clear. The jobs report from October shows unemployment is at 6.9 percent. However, this is still historically high and there are concerns it does not include people who have given up looking for work during a pandemic for various reasons.Racism and social justice issues divided the country earlier this year, leading to large demonstrations in dozens of cities. Strong emotions from both sides motivated some voters. Biden has said he also wants to focus on rejoining international organizations, including the World Health Organization, NATO, and the Paris Climate Accord. Biden has also signaled other top priorities in his first few months; including sending a bill to Congress to repeal liability protections for gun manufacturers and closing background-check loopholes, sending an immigration bill to Congress creating a pathway to citizenship for 11 million undocumented immigrants and retaining rights for “dreamers” who were brought to the United States illegally as children, and move to eliminate tax cuts passed under Trump in 2017, according to the Washington Post. In speeches, Biden has also said he wants to address systemic racism, homelessness, and restore transgender students' access to sports, bathrooms and locker rooms. 1891

With a majority of public school districts offering remote learning this fall, parents and teachers are ramping up online educational tools and resources for kids. Many are also focusing just as much on kids' mental health."It's going to be so much harder to build those relationships while you're on a virtual platform. What are we doing to start the year off with expectations of what students should do and how are they going to react with each other?" said Dr. Christina Conolly, a school psychologist in Maryland and a member of the National Association of School Psychologists. Dr. Conolly says with so many children missing that social interaction this fall, it's important for educators and parents to be intentional when it comes to keeping an eye on students' mental health."Anything we can do to help students engage with each other, bring a socialized setting that is supervised, is great," said Dr. Conolly. Before the COVID-19 pandemic, Dr. Conolly, like other parents, put major restrictions on screen time. Now, she says many of those limitations have gone out the window. Speaking about her own daughter, she says safe, online interaction is crucial to children's social development. "Right now, if she's on there spending a couple hours gaming with my neighbors because she can't go outside and play with my neighbors, well I'm like 'OK, it's helping her with her emotional health.' Because human beings need human interaction," said Dr. Conolly.Child suicide rates are up nationwide and calls into the National Suicide Prevention hotlines are skyrocketing, Dr. Conolly said. Many children who didn't have mental health struggles before the pandemic are finding themselves coping with them now and those who already had difficulties are getting worse. She has advice for parents who are concerned about their children getting depressed because of a lack of social interaction. "I would say a number of things. First, talk to the staff at your school. You can talk to the teacher, administration, psychologist or counselor in the building. If you're concerned, they can talk with your student," said Dr. Conolly.Teressa Ruspi is a parent of three and runs the LRJ Foundation, a mental health and wellness organization that partners with schools in Georgia, Virginia and Pennsylvania to teach kids about the importance of social emotional health. Ruspi is putting her own children's mental health at the top of her mind as her three head back to school virtually."I'm really trying to hone in and be really mindful of their emotions right now and what's triggering those emotions. How to balance those emotions, how to have those conversations with them, so they can feel comfortable talking to me about what's frustrating with them," said Ruspi. Ruspi says her kids are FaceTiming frequently with classmates and even doing occasional playdates with families who are taking similar precautions from COVID-19 as they are."Kids can get kind of complacent and used to their new surroundings so now that they have been removed and been remote and disconnected a lot, we want to make sure that they don't stay disconnected," Ruspi said.The good news, is that now that school is back in session, many parents will have access to free sessions with a school psychologist or counselor. An extra resource that could be an extra boost to keeping children happy and mentally healthy during virtual schooling. 3421

While we don’t know yet what the impact of the storm will be for our local teams, the safety of our employees and drivers is always our top priority. We have begun proactively closing operations facilities temporarily in the potential impacted areas. We will pay Amazon employees 100 percent of regular time if their facility temporarily closes and are prepared to provide support for them and their families so they can recover from this storm. Customers living in areas affected by the hurricane may see a delayed delivery promise date on items when they go to checkout. In limited circumstances, customers outside the impacted area may also see a slower delivery promise if the product they are ordering is shipping from an area within the projected path of the hurricane. Right now, our Disaster Relief by Amazon team is closely monitoring Hurricane Dorian and is working to prepare and provide support alongside our nonprofit partners to communities potentially impacted. 984

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