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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

What do you do when (not if) one of those cheap, vertical, plastic Venetian blinds breaks?One Lakewood man had the idea to upcycle his excessively long CVS receipt, and his tweet about it has gone viral with over 157,000 likes and 36,000 retweets.On Monday, @andrewnolan2 tweeted a picture of the improvised sun-blocking device, throwing some literal shade at the pharmacy known for its lengthy transactional records. 425

While kids are on summer break, districts across the country are working to determine whether or not to reopen schools, and how to do it safely.School leaders are racing the clock to figure out what the next school year will look like.“We’ve been looking at how can we provide a high quality education in this environment,” said Lisa Yates, Superintendent at Buena Vista School District.For Yates, that decision is simple.“We’re hearing that from families, we’re hearing that from students, we want to be back in school,” she said.At Buena Vista Middle and High School in the Colorado mountains, summer school is in session at their brand new, still under construction, building. Students and teachers are piloting a new platform that leaders hope will help come fall.The platform was installed in early June and created by tech company Wolk. It works like this -- first, gateways are installed in classroom ceilings.“The system is called Open,” said Rene Otto, Solutions Architect for Wolk.com.Next, students and teachers put on a wearable device at the beginning of the school day. “They’re given these safety cards or wristbands, so what these do is they act as beacons,” she explained.The devices currently use Bluetooth to communicate. Using the gateways, the software shows when a beacon comes within a certain amount of space of another beacon, for how long, and if the beacon moves rooms.“The point of it was to help people understand where they are in a physical space, so we can figure out if safe social distancing is being practiced,” Otto said.The school district’s technology coordinator, Matt Brooker, helped install the system. “If we did have an incident where a kid is positive, could we do contact tracing with this?” he said.For students, the idea seems simple enough.“It’s going to record where you walk and how close you get to other people,” 6th grade Aidan explained. “It’s like wearing a little necklace. It doesn’t really bother me that much.” Others weren’t as convinced. “Personally, I don’t know if a lot of people are going to want to wear them,” 10th grader Taylor said.With every tracking device comes concerns over data and privacy.“It took me a little bit,” said Reba Jackson, a teacher at the school. “I’m a little paranoid about tracking things.”“I went from feeling like it might be a little bit invasive,” teacher Robin Fritsch, explained. “It’s not a big deal. If it gives us valuable data, I’m in.”Otto said not to worry.“We really want to make sure privacy is protected. So the way it works is, only the administrators of the schools have access to the identifying information,” she explained. In other words, each tracker has a number as the identifying name. Only school admin members are able to match that number with a student. “I don’t think any parents or people want to be tracked by a technology company generally. But if that information can help make people safer, I think it’s valuable.”Otto said for the system to work fully, they need at least 60% of students and teachers using it. This helps find hot spots that potentially need more cleaning or more attention to create a better socially distanced space.“I think it’s going to be a valuable tool,” Fritsch said.As students come back, the hope is that the system will help identify who has come into contact with someone who tested positive for COVID-19, and stop the spread there. This could mean the difference between sending 10 kids home and sending the entire school home in the event of a positive case.“Typically rural communities, as far as economic development, don’t have the resources the major metropolitan areas might have,” said Wendell Pryor, Director of Chaffee County Economic Development Corporation. “So any tool like this that aids in the threat of an outbreak and the way it might spread, I think is going to be a bonus to everybody involved.”“In person is where we want to be, so we’re putting our resources there,” Superintendent Yates said. 3979

Wisconsin voters are heading to the polls on Tuesday for primary elections, and Democrat voters will select from a crowded ballot of gubernatorial candidates.A total of 10 candidates are on the Democratic primary ballot — but one of them is telling voters to skip his name."I could never imagine that I would be asking people not to vote for me," candidate Andy Gronik said.Gronik withdrew from the race last month, but not before ballots were printed. "I've already received some emails from people who have voted for me, and they were disappointed to learn I wasn't in the race," Gronik said.Dana Wachs is also still on the ballot, in the last spot, but he's also withdrawn as well.There are eight other candidates that hope to go up against Gov. Scott Walker in November: Matt Flynn, Tony Evers, Josh Pade, Mike McCabe, Paul Soglin, Kathleen Vinehout, Mahlon Mitchell and Kelda Roys.Some Wisconsinites did not even know who was running."What I had in mind is to Google it tonight for a little bit of information before I go vote tomorrow," Walker's Point voter Simon Rodrigeuz said. Others said it was hard to narrow it down."There was definitely a lot to pick from. A lot of them are good too," Lisa Vulpas saidThat's why candidates are using every second before the election. Roys went to Milwaukee Public Market this Monday afternoon as a last push before the polls opened on Tuesday."We have been communicating with voters more and for longer periods. We have been on TV for almost a month," Roys said.Mitchell rallied his volunteer door knockers in Milwaukee Monday evening."What distinguishes us is, yes we are running a statewide campaign, but we are running it like we are running a local election. And that is to get out and talk to people," Mitchell said.  1822

When talking about veteran mental health, much of the conversation is centered on post-traumatic stress disorder (PTSD) and traumatic brain injury (TBI). While both are widespread and debilitating, the mental health-related challenges veterans face go beyond these conditions.Dependable, courageous, and in peak physical shape, Theresa Larson chased perfection when joining the Marine Corps.“I wanted to be the exemplary Marine," said Larson. "To the T. What does a good Marine officer do? I had to do that.”A stellar student and Division 1 college athlete, she had been training for a challenge like this her entire life. With two older brothers in the military, Larson was well aware of the unique challenges she'd face as a female leader. “You have to be really fit and healthy. You have to be fitter than them. They're going to look at you physically and see how you perform," said Larson.Leader of a platoon, Larson was responsible for more than 50 Marines, working to earn their respect while training them for war. “You already fit in if you’re a male, if you’re a female, it's what is she going to do for me? Kind of attitude. And I was prepared for that," said Larson.But chasing perfection would come at a cost; her own well-being was no longer a priority. As the 12 to 15-hour days and mounting pressure felt out of her control, Larson latched onto what she could control. “The drug was food for me, so it ended up turning into the bulimia end of the first year," said Larson.With rigid fitness standards and weight requirements, the National Eating Disorders Association says service members are at especially high risk for eating disorders.“Abuse of fitness and nutrition tends to be the thing. It might not be full-blown bulimia or anorexia, or anything like that, but it can be a lot of disordered eating. Obviously, with yo-yo dieting, too much exercise or too little exercise can affect your focus," said Larson.Before deploying to Iraq, Larson sought help from a friend but didn’t disclose her illness to the military, fearing she’d lose her job.“I tried to make everyone realize I would be OK because I didn’t want to let the Marines down. You know, mission accomplishment and troop welfare are kind of the things we thrive on as Marines, especially Marine leaders," said Larson. No longer at a desk, leading operations and landmine missions, the responsibility to protect her platoon had never felt greater."It dawned on me, 'gosh, I’m really not OK. And this is not about me. It's about all the Marines I’m taking care of. So yeah, I’m sick, and I’m going to affect someone else.' It was a wake-up call," said Larson.Larson was sent home and said she had to fight to get treatment in the military. While grateful they covered 12 weeks of care in an outpatient rehabilitation clinic, Larson says she was on her own to continue getting help.“Anyone knows that has an addiction, it’s not just a, 'OK, you're done.' It's a continuous, daily decision and practice. And so, I ended up paying for my own care after that for a while," said Larson. "It was a couple of years until I stopped the symptoms of bulimia, and then was just dealing with what was left-- the depression, the anxiety, and managing that.”She says getting healthy became her job. And after the military, Larson helped others do the same. She wrote a memoir about her military experience and has since been contacted by countless service members and veterans struggling with similar challenges. “As a leader, there's a fine line of when you push yourself and when you need to ask for help. And asking for help, I’ve learned, is not a weakness. It’s a strength," said Larson.After earning a doctorate in physical therapy, Larson and her husband founded Movement Rx, a program helping people around the country uncover the root cause of their pain and injuries. “Just because someone is in a wheelchair, that’s not the only thing going on. Or if someone looks like they’re fine, it doesn’t mean they don’t have something going on," said Larson. In addition to free online resources for veterans, Movement Rx has free in-person training for veterans in San Diego. “We have our health care platform that veterans can use, offering mindfulness and meditation, nutrition support, fitness, as well as movement, working through injuries," said Larson. While there's more help now for struggling veterans and service members, Larson knows asking for it is still just as hard. “You asking for help, it's going to open more doors and more growth than you can ever imagine, but you have to take that vulnerable leap, and that's when life really happens." 4633