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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

When it comes to free food, demand is up and donations are down.To help feed the hungry, volunteers have turned a school parking lot into a pantry.“That’s what's important,” said Maria Estrada with the Wyatt Academy, a charter school in Denver, Colorado.Once a week, her teams passes out free bags of food to families and to people like Marco Esparza.“I’m getting some apples and potatoes,” he said.For Esparza, these donations more than just feed his family.“With this kind of pandemic, it helps us to stay safe at home."Since COVID-19 hit, Estrada says more people are requesting food donations across the country while volunteers adjust to the new norm and practice new safety guidelines.“Things are different,” Estrada said about food donation centers. “We now have to make sure everybody is wearing gloves. We want to make sure everybody is being safe. Everybody has their masks on. We’re trying to keep everybody social distanced.”Estrada says the COVID-19 crisis is creating somewhat of a national food shortage crisis. That’s why they’re now partnering with the YMCA.“When COVID hit, YMCAs across the country started to support food programming,” said Katie Canfield with the YMCA.Nationwide, the YMCA has provided 37 million meals to more than one million people in the last six months. That’s an increase of more than 25% since the same time last year as they now deal with new safety regulations.“We are making sure that our community is using hand sanitizer,” Canfield said. “We are currently handling the food and then we hand them the bag when its complete.”Moving forward, the YMCA hopes to go mobile and bring food straight to people’s houses.But for now, they’ll focus on helping feed people in person. 1727

White House press secretary Sarah Sanders issued a rare correction Tuesday night after falsely declaring that President Donald Trump has created three times as many jobs for African-American workers as former President Barack Obama did during his two terms in office."Correction from today's briefing: Jobs numbers for Pres Trump and Pres Obama were correct, but the time frame for Pres Obama wasn't. I'm sorry for the mistake, but no apologies for the 700,000 jobs for African Americans created under President Trump," Sanders wrote in a tweet.During the briefing, as she sought to defend the President's record on race, Sanders said Trump has already tripled Obama's record over eight years for creating jobs for black workers."This President since he took office, in the year and a half that he's been here, has created 700,000 new jobs for African-Americans," Sanders said from the White House podium. "That's 700,000 African-Americans that are working now that weren't working when this President took place. When President Obama left, after eight years in office, he had only created 195,000 jobs for African-Americans."But that's not even close to true, according to Labor Department figures.Hours after the briefing, after Bloomberg News pointed out the inaccuracy, the White House Council of Economic Advisers apologized for the figure. It posted a tweet citing a "miscommunication" to Sanders.While it's true that the US economy has added about 700,000 jobs held by African American workers since Trump took office, it added about 3 million black jobs while Obama was in office, according federal labor statistics.When Obama took office in 2009, 15.5 million African Americans had jobs in an economy filleted by one of the country's worst recessions. When he left office, the economy had 18.4 million black workers.Sanders made the claim as she was answering questions about whether she could guarantee Trump had never been recorded using the N-word while producing "The Apprentice.""I can't guarantee anything, but I can tell you that the President addressed this question directly," Sanders said. "I can tell you that I've never heard it."Then, Sanders went on to argue that Trump has created more jobs for black Americans than Obama did."This is a President who is fighting for all Americans, who is putting policies in place that help all Americans, particularly African Americans," Sanders said. "Just look at the economy alone." 2467

Why is a guitar-slinging young cowboy all over the internet Tuesday? He’s singing about reducing methane, not normally a topic for country western music. It’s an ad touting new research and new burgers from Burger King.Livestock is responsible for about 14.5 percent of global greenhouse gas emissions. Those emissions are in the form of burps and farts as cows and other animals digest their food.Burger King partnered with scientists in the U.S. and Mexico to test different remedies humans have used for centuries to calm tummies, including chamomile, baking soda, and lemongrass.What they found is adding lemongrass can reduce that animal’s methane emissions by a third. Roughly 100 grams (about half a cup) of dried leaves is added to the cows’ daily feed.The research was done in partnership with U.C. Davis in Northern California and Autonomous University of the State of Mexico in Toluca, Mexico. The findings are being made available to everyone, and Burger King is pledging to continue to work with scientists as part of their beef sustainability strategy.Starting Tuesday, select Burger King locations in Miami, New York, Austin, Portland and Los Angeles will offer the Reduced Methane Emissions Beef Whopper sandwich, made with beef from cows eating the lemongrass diet. 1290

While the Centers for Disease Control and Prevention is urging Americans not to travel this holiday season, it's clear that many will choose to do so anyway.Between Nov. 25 and Nov. 29 — the height of the Thanksgiving travel surge —the Transportation Security Agency (TSA) said it screened about 4.5 million travelers. While that represented 39% less travelers than last year, it represented the most travelers the agency had screened since the start of the pandemic.With another surge in travel expected for Christmas and New Year's, the TSA has offered some helpful tips when it comes to packing luggage for the holiday season.Packing giftsDo not pre-wrap gifts: Gifts need to be screened like any other piece of luggage, meaning gifts need to be unwrapped if they need to be inspected. The TSA suggests wrapping once you reach your destination, or wrapping in a gift bag.Be sure to pack gifts that contain large amounts liquid, like perfumes, gel candles or snow globes, in a checked bag. TSA allows containers with 3.4 ounces of liquid or less for carry-ons.Snowboards, snowshoes and ice skates can be carried on, but be sure to check with airlines about a plane's overhead bin space. Skis and ski poles will need to be checked.Packing foodHomemade baked goods and other treats can be carried on, but any sort of jams, jellies or syrups are liquids and should be checked if they're in a container larger than 3.4 ounces. A rule of thumb? "If you can spill it, spray it, spread it, pump it or pour it, then it should be packed in a checked bag if the container is larger than 3.4 ounces."Higher-proof alcoholic beverages (between 24% and 70% alcohol by volume) are limited in check bags to five liters a passenger. Any beverage with less than 24% alcohol by volume has no size limit in a checked bag.Mini bottles of alcohol can be carried on, as long as they are less than 3.4 ounces and fit "comfortably" in a single quart-sized bag.Packing electronics Electronics to be given as a gift can be carried on, but remember to place electronics larger than a laptop in their own bin with nothing above or below it.TSA allows drones past checkpoints, but double-check with airlines on their policies about transporting drones.Remember, loose lithium batteries are prohibited in checked bags. Click here to learn more about the FAA's policies about lithium batteries. 2372