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A decline in Chevrolet Cruze sales is what General Motors officials say is to blame for an employee reduction at the Lordstown, Ohio plant. Up to 1,500 workers could be affected by layoffs this summer.According to WKBN-TV, the plant will move to a one-shift schedule on June 18. Between 1,000 to 1,500 workers will remain on the shift. GM said sales are to blame for the change, WKBN-TV reports, and is offering affected employees a ,000 payout.Sen. Sherrod Brown called on GM to use tax cuts the company received to keep jobs in Ohio.“GM cannot pocket billions of dollars in tax cuts and turn around and fire Ohio workers whose livelihoods depend on these jobs,” Brown said. “I expect GM to tell Ohioans immediately how they plan to use their tax windfall to keep Ohioans in their jobs.”The Lordstown GM plant is the largest employer in Trumbull County. 910

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 Florida man was charged with murder after detectives connected him to the suspicious death of his girlfriend.The investigation began Oct. 15 when Sarasota County deputies were called to a vehicle fire along I-75 in Osprey. When deputies arrived, they found a minivan with a deceased female inside.The driver, 34-year-old Michael Clark, told deputies he didn’t know how the fire began, how the female died or how he got to Sarasota.State investigators with the Bureau of Fire and Arson Investigations determined the minivan was intentionally set on fire. They found a gas can inside the minivan and a lighter nearby.Further investigation by the Medical Examiner’s Office determined the victim’s cause of death was homicide caused by blunt force trauma.The investigation revealed that Clark drove his minivan to meet the victim at work on Oct. 14. A witness saw the two get into an argument. During which time, Clark was seen confronting the victim and the victim pushed him away. Clark then put the victim in a headlock, according to the arrest affidavit. The victim was last seen alive walking with Clark towards his minivan, her car never left the parking lot.Detectives determined Clark beat the victim to death before placing her in the back of the minivan, driving southbound along I-75, and eventually setting the vehicle on fire with the intent of destroying all evidence of his crimes. At the time of the incident, personnel seized Clark’s clothing for investigation and recovered a small amount of cocaine. He was transported to the hospital and later released while the investigation continued.On Thursday, Sarasota County detectives working in partnership with the Hillsborough County Sheriff's Office executed an arrest warrant and search warrant at Clark’s home.He was taken into custody and booked into the Orient Road Jail in Tampa. Sarasota County detectives charged Clark with Murder, Arson, Tampering with Evidence, and Possession of Cocaine. He remains in custody without bond.The victim was 34-year-old Kristen Kelley, Clark’s girlfriend of several years. The couple had three children in common. 2170

A group of lucky dogs dodged cars and stopped traffic as they made their way across the lanes of Interstate 17 in Phoenix Monday morning.Video from Arizona Department of Transportation cameras showed the pack of six small dogs around 9:55 a.m. local time wandering from the shoulder near Thomas Road across several lanes as cars and trucks slowed to a stop.Department of Public Safety motorcycle troopers could be seen approaching the dogs from behind and ushering them off the freeway at McDowell Road.Luckily, DPS said all six of the pups were taken off the roadway safely. 583

A couple things about this bill:-It expunges some cannabis records and creates grant programs for ppl who have been impacted by the war on drugs.-It prob won't pass the current Senate.-It won't make weed legal everywhere. States still have to pass laws/regs, and can opt out.w— Natalie Fertig (@natsfert) August 28, 2020 328

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