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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

We've all been here before, trying to back out of a crowded parking lot having a near miss or even worse, a crash. But avoiding these types of accidents is getting easier thanks to new technology. It could save lives, and money.Back in the day you'd have to turn around look out of the window and hope you didn't hit anything. But now cameras are pretty standard in most new cars. They will be mandatory in all new cars starting this spring. And it's more than just a nice thing to have, it's just one of several technologies that are really reducing crashes.The rear view camera gives you a look at things you sometimes can't see with your own eyes. It eliminates those blind spots.Then there are parking sensors. Those are those sometimes annoying beeps or vibrations in your seat that let you know when your car is getting too close to something behind it.     But what researchers found to be most helpful in preventing rear crashes is the rear automatic emergency braking system. It can detect if something is behind you while you're backing up and can automatically brake if you can't or wont stop.Together, this technology dream team is reducing back up crashes reported to police by 78 percent, according to a new study from the Insurance Institute for Highway Safety.Most rear crashes don't result in serious injuries, but you never know who or what might be behind you. Using this technology could save you a lot of stress and potentially thousands in repair costs. 1503

While public health experts have acknowledged the risk for healthy athletes when becoming infected with the coronavirus has been rather low, lingering questions have remained on if the virus causes long-term cardiac damage.Doctors from the Sports and Exercise Cardiology Section of the American College of Cardiology released some of their preliminary findings on the effect the coronavirus has on athletes’ hearts.With college football fully resuming this week with the return of the Pac-12, and college basketball slated to get underway next month, sports are beginning to return to normal amid the pandemic. While some athletes are being frequently tested for the virus, testing alone has not stopped team-wide outbreaks from occurring.Despite there being some limited evidence that the virus causes cardiac injury to athletes, researchers wrote in JAMA that heart damage alone should not be the primary reason to postpone athletic competitions amid the pandemic.“While concerns about the implications of cardiac injury attributable to COVID-19 infection deserve further study, they should not constitute a primary justification for the cancellation or postponement of sports,” the researchers wrote.“Rather than canceling sports because of unsubstantiated concerns about cardiac safety based on limited data of unestablished clinical relevance, this decision should be driven by the need to limit viral spread,” researchers added. “With uncontrolled community transmission, we share concerns with public health officials about risks of increased disease transmission attributable to the resumption of organized sports. Accordingly, the decision to proceed with or delay organized sports should be based on community disease prevalence, coupled with the availability of resources that can be responsibly allocated to identify and prevent new infections among athletes.”The researchers said that initial findings have produced only a handful of cases of cardiac injury, but stressed that more research is needed.“Reports of presumptive myocarditis among several athletes with high profiles have magnified concerns about COVID-19 CV sequelae in athletes,” the researchers wrote. “Our combined experience suggests that most athletes with COVID-19 are asymptomatic to mildly ill, and to date, (return to play) risk stratification has yielded few cases of relevant cardiac pathology. However, we underscore that these observations may not reflect the true prevalence and attendant prognosis of COVID-19 CV involvement in athletes.”As far as what players should do following their 10-day isolation period, assuming they minimal coronavirus symptoms?“We do not advocate for (cardiovascular) risk stratification among athletes who remain completely asymptomatic with prior COVID-19 infection, following completion of US Centers for Disease Control and Prevention (CDC) guided self-isolation,” the researchers wrote. “Given the current lack of published data, consideration of comprehensive screening for this population could be reasonable if it is based on research and data collection.”The Big Ten, which was among several leagues that held out on playing at the start of the football season, requires athletes to undergo cardiovascular screening following a positive coronavirus test. Part of what concerned the Big Ten initially was reports that a number of its athletes who tested positive for the virus had shown myocarditis symptoms.According to the National Institutes of Health, myocarditis is an acute injury that “leads to myocyte damage, which in turn activates the innate and humeral immune system, leading to severe inflammation.”“All COVID-19 positive student-athletes will have to undergo comprehensive cardiac testing to include labs and biomarkers, ECG, Echocardiogram and a Cardiac MRI,” the Big Ten said in a statement. “Following cardiac evaluation, student-athletes must receive clearance from a cardiologist designated by the university for the primary purpose of cardiac clearance for COVID-19 positive student-athletes. The earliest a student-athlete can return to game competition is 21 days following a COVID-19 positive diagnosis. “In addition to the medical protocols approved, the 14 Big Ten institutions will establish a cardiac registry in an effort to examine the effects on COVID-19 positive student-athletes. The registry and associated data will attempt to answer many of the unknowns regarding the cardiac manifestations in COVID-19 positive elite athletes.”To read an abstract of the research, click here. 4546

West Virginia public school teachers will strike for an eighth day Monday because the state 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.Union leaders say the teachers won't return to work until they get a 5% raise.The pay raise remains in legislative limbo. At the state capitol in Charleston, a conference committee has been appointed?to resolve the differences between the state Senate and House.It's not known when the committee will meet, so it's possible the strike could stretch out for days.The waiting frustrates parents, students and union leaders, who've marched and crowded the state capitol for legislative hearings."We're playing with people's emotions, their livelihoods and it directly affects our students," said Christine Campbell of the American Federation of Teachers. "This is unprecedented. It's confusing and I think (teachers are) disheartened by the process."West Virginia public teachers earn?an average salary of about ,000, making them among the lowest paid educators in the United States.Gov. Jim Justice and the union leaders agreed earlier in the week that teachers and service personnel would receive a 5% pay raise.However, that raise must be passed as a law, since West Virginia is not a collective bargaining state.The bill quickly passed in the House Wednesday, but Senate lawmakers expressed concern about how the state will fund the raise.Democrats say new revenue projections show the money is there and that a difference of one percent would amount to million.On Saturday, after hours of passionate argument and discussion by lawmakers, the state Senate passed a version of the bill that provides a 4% raise.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 will have three days to come to a decision about the bill.A brief period of confusion occurred Saturday night after the Senate believed it had voted for the 4% raise. But a House version of the bill, which favored the higher pay raise, had somehow been entered into the Senate voting system and was approved by unsuspecting Senate members. When the error was discovered, the Senate corrected the mistake and re-voted for the lower pay raise.Elizabeth Yost, a teacher from Mercer County, said she was not discouraged by the votes in the legislature."When the events unfolded from there, it was evident we have a representative government in the Senate that abused power last night," she said. "Today, my determination, and that of my colleagues, is stronger." 2868

When she married George H. W. Bush in 1945, Barbara Bush became a vocal defender of her husband, and later his children. After her passing on Tuesday, former Bush rivals joined forces to honor the former first lady. President Donald Trump was among those who had kind words for Barbara Bush on Tuesday, even though she didn't always have nice things to say about him. Bush expressed her displeasure for Trump's comments during the 2016 presidential campaign, when he called Bush's son Jeb, a Republican presidential hopeful, "low energy." 551