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A man fell about 100 feet into the ocean on the Oregon coast while trying to take a photograph at the scenic spot, according to state police.Sunday afternoon, troopers were called to an area of Oswald West State Park, about 20 miles south of the Oregon-Washington border.Two people had walked down a trail to take a photo at a cliffside viewpoint. The investigation found one of the hikers climbed a tree on the cliff’s edge to pose for a photo. A limb broke, causing the man to fall into the ocean below.Oregon State Police shared an image of a "danger" sign along the trail.The U.S. Coast Guard helped find the man. He was later pronounced dead at the hospital. 671

A Cape Coral pilot is in jail in a Middle Eastern country which says will not free him unless he pays nearly ,000.Steven Bral is an international pilot who lived in Oman in 2012. While living there, he bought a car and owed ,000, but had to leave the country when he lost his job. Oman law requires all foreign nationals to pay all debt before leaving the country.When Bral was flying from Rwanda to Bahrain, he made a stop in Oman to change planes and was immediately arrested upon landing on March 8."You can't help but just think 'what's going to happen?'" his son, Nolan Bral said."It's a small cell and there's six men in that cell, and they have concrete floor and nothing else. That is where they sleep and eat. They eat in a circle on the floor with their hands," Cheri Bral, Steven's first wife, said.Bral has been ordered to pay ,600 to be released."He does not have that money in savings," Cheri Bral said. "It's too much."Bral's current wife, Shamirah has been able to talk to him on the phone in the middle of the night."I know it's very hard on her, and it's scary," Cheri Bral said.She said guards are trying to move Bral to an even bigger jail."Where you hear about torture and all this other stuff, you just don't know what's going to happen to him," Nolan Bral said.Bral's youngest son, Trevor, is trying to stay hopeful. "I just wouldn't understand or know if I never see him again. I just know he'll come back," he said.The family said the U.S. Embassy in Oman hasn't been helpful.The State Department's press officer emailed the following statement to Scripps station WFTX in Fort Myers, Florida: 1679

A law class at Georgia State University will focus on the life and career of "Real Housewives of Atlanta" star Kandi Burruss this upcoming semester.In a press release, the university said the singer, songwriter, actress, and entrepreneur will be the subject of Professor Mo Ivory's course of Entertainment, Sports, and Media Law Initiative, which prepares students for Georgia’s growing entertainment industry.“I chose Kandi because she has an amazing career, which spans every aspect of the entertainment industry from music, television, and live performance to licensing, apparel, and more,” Ivory said in the news release. “I wanted to study a woman this time around, and having worked with Kandi in the past, I knew she was the perfect choice. She handles her business and it shows with her success, but all the while she’s completely approachable and willing to share her lessons learned. I couldn’t be happier for my students to learn the law through Kandi’s career.”The course, which began in 2018, focused on the life of rapper and actor Ludacris last year.“I am honored to be part of this year’s curriculum at Georgia State University College of Law,” Burruss said in the release. “Attorneys are among the most important members of your team. It’s imperative you have the right lawyers around you to assist in making the best decisions. Every contract you sign is building towards your overall dreams and goals. I’m excited to see the students get a first-hand look into some of the contracts that have shaped my career thus far.”According to the school, students will study the business contracts the Grammy Award-winning songwriter has had through the years. 1677

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 canceled chase in Akron, Ohio ended in a two-car crash with both drivers being arrested on warrants, according to police.Police said the crash happened around 1:45 a.m. Wednesday at an intersection.Police said they got behind a red Hyundai that was stolen and tried to pull the driver over when he took off. The driver reached speeds of around 80 mph when a supervisor canceled the chase. Police said the driver continued to accelerate and 30 seconds later they found the car crashed. The Hyundai hit a minivan and then a pole, a fire hydrant, another pole, before eventually coming to rest next door to an Akron fire station. The Hyundai was shredded in the crash leaving its trunk lid in a parking lot, part of its door wrapped around a traffic light pole and a wheel a hundred feet away.The driver of the stolen Hyundai had warrants and will be taken to jail after he is released from the hospital with what police say are minor injuries.The driver of the minivan was also a wanted felon and he will also be arrested after he is released from the hospital with what police say were minor injuries.  1131