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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 the Trump administration required nursing homes to report their COVID-19 cases, it also promised to make the data available to residents, families and the public in a user-friendly way.But some facilities that have had coronavirus cases and deaths turn up as having none on Medicare’s COVID-19 nursing home website. Those data may be incomplete because the reporting requirements don’t reach back to the start of the pandemic. Numbers don’t necessarily portray the full picture.“The biggest thing that needs to be taken away ... is in its current form, it is really leaving consumers in the dark,” Sam Brooks, project manager for Consumer Voice, said of Medicare’s data website. Consumer Voice is a national advocacy group for improved quality in long-term care.Nursing homes are only required to provide the government with data on coronavirus cases and deaths among residents and staff as of May 8, or more than two months after the first outbreak in a U.S. facility was reported. Nursing homes have the option of full disclosure, but not all have taken it, and there is no penalty for withholding older data that may reflect poorly.The missing information from early in the pandemic leads to some puzzling results on the website.For example, a nursing home that had one of the first major reported outbreaks in the country — Life Care Center of Kirkland, Washington — shows no confirmed COVID cases and no deaths on the CMS data page.A spokesman for Life Care Centers of America, a major chain, said the company is providing the information the government requested.“We are reporting what CMS is asking us to report to them,” said Tim Killian. “We are not evading them in any way.“The Kirkland facility is now COVID-free and it has been for some time,” Killian added. The data showing no cases “is a snapshot of what is currently in the facility.”The company said its cumulative count shows 100 residents tested positive, and 34 died. “You can ask us directly and we’ll give you the exact numbers,” said Killian.But consumer advocate Brooks said that information should be on the CMS site.As it stands, the site “doesn’t tell the whole picture,” he said. “You are not going to be able to look at a home and make an informed decision.”The federal Centers for Medicare and Medicaid Services, which sets standards for nursing homes, said protecting nursing home residents is a top priority, and “transparency and information sharing has proven to be one of the keys to the battle against this pandemic.”But CMS said it lacked the legal authority to require nursing homes to disclose COVID information from before the effective date of its reporting rule in May.On Capitol Hill, there is pressure for more information.Sen. Chuck Grassley, R-Iowa, recently introduced legislation that would require nursing homes to report coronavirus cases and deaths going back to Jan. 1, a push that has bipartisan support.The estimated 1.4 million people living in some 15,500 nursing homes represent a tiny share of the U.S. population, but they have borne a disproportionate share of coronavirus deaths. Nursing homes are only now starting to emerge from a national lockdown that took effect in mid-March.According to the latest CMS figures, more than 33,000 nursing home residents have died in the pandemic. A running tally by The Associated Press, which also includes other long-term care facilities and staff as well as residents, shows more than 55,000 deaths.Depending on the total count, that translates from about one-fourth of the deaths to more than 40%, strikingly high proportions in either case.Coronavirus data for nursing homes do not appear directly on Medicare’s NursingHomeCompare website, the main portal for consumers trying to research a facility on behalf of a family member or friend. Instead, a link takes users to a different COVID-19 site that features statistics and a national nursing home locator map.Finding information on individual nursing homes via the data website can be confusing.If users type in a ZIP code or the name of a nursing home, the website’s locator map will display some small red dots near a larger marker icon, which also has a big dot in the middle.Instructions say click on one of the dots. But which one?The data is under the small red dots, not the larger locator, which instinctively draws the user’s eye.“I would click on the big dot,” said policy attorney Toby Edelman of the Center for Medicare Advocacy, which represents enrollees. “Why would I look for this thing that I can barely see?”CMS said it has received no reports related to search problems although more than 100,000 individuals accessed the site in June.The agency says it will continue to evaluate the usability of the website to ensure it meets consumer needs. 4782

With just over a month until the election, Florida and Arizona are emerging as battleground states that are neck-and-neck for President Donald Trump and former vice president Joe Biden.For the first time in 2020, Trump has a slight lead in Florida, according to the Washington Post-ABC News poll. Among participants who said they are likely voters, Trump leads 51-to-47 percent, however this is considered within the margin of error.The poll points out Biden has a 13-point lead among Hispanic registered voters in Florida; four years ago, Hillary Clinton had a 27-point lead among Hispanics and still lost the state.In Arizona, among likely voters, the poll shows Trump and Biden at 49-to-48 percent. Arizona has voted for the Republican presidential candidate for every election since 1952 except once, the re-election of Bill Clinton in 1996.Researchers of this poll note that these percentages are so close the difference is not statistically significant. The margin of sampling error is 4 points among Florida results and 4.5 points among Arizona results.Trump won Florida and Arizona in the last election. In Arizona, Trump won in 2016 by about 90,000 votes. In Florida, Trump won by just over 100,000 votes.When it comes to the issues, Trump gets credit for being trusted to handle the economy, despite the current pandemic-fueled recession. In Florida, registered voters in the survey said they trusted Trump with the economy over Biden 52-to-41 percent. In Arizona, the spread is higher, with registered voters preferring Trump 56-to-41 percent.The economy appears to be the top issue for many this election cycle. About 31 percent of registered voters in Florida said the economy is the single most important issue, and 33 percent of those in Arizona.In handling the coronavirus pandemic, more registered voters trust Biden over Trump, with 48-to-43 percent in Florida and 49-to-45 percent in Arizona. In both states, 57 percent of participants said they were worried about catching the coronavirus.Biden also leads in handling health care, crime and safety, discouraging violence at political protests, and equal treatment of racial groups.Trump’s overall approval rating among registered voters is 47 percent in both states.There is also a big split in how voters of different parties plan to vote on Election Day. In both Florida and Arizona, more than 70 percent of registered Republicans plan on voting in-person on Election Day. Democratic participants are more likely to vote early or absentee/mail-in, more than 60 percent.This latest poll was conducted by landline and cell phone interviews between September 15-20 among 765 registered Florida voters and 701 registered Arizona voters. 2712

WEST PALM BEACH, Fla. — President Donald Trump and First Lady Melania Trump arrived at Palm Beach International Airport Wednesday evening to spend the final Christmas of his presidency at Mar-a-Lago.The Federal Aviation Administration placed temporary flight restrictions around Mar-a-Lago's airspace on Tuesday and the Town of Palm Beach has placed checkpoints and closed roads around Mar-a-Lago. Those closures will be in effect through Sunday, Jan. 3, 2021.The Trumps traditionally attend a Christmas service at Bethesda By The Sea in Palm Beach, but this year the church will be holding services virtually. 618

We've all faced challenges communicating during the pandemic, whether it be a shaky Zoom call or asking someone to repeat what they said through their mask. But for people who are deaf or hard of hearing, communication has been even tougher. “First thing I did was start carrying a pad with paper and pen and I'd have to ask people to write things down. I can’t understand, when I walk into a store sometimes, what people are saying," said Michael Conley.Born deaf, Conley relies on reading lips to communicate and says others in the deaf community rely on facial expressions, both of which are often hidden behind a mask now in public. Conley says while many people are understanding, others get frustrated when he can't understand them. Conley decided not to go to his aunt's funeral due to the communication challenges he would face while at the airport, renting a car, and at the funeral itself. “As a deaf person, I think I’ve been isolated a lot anyway, and this just adds to it," said Conley.And after losing his job, Conley faced other communication challenges at home.“So many of us working from home, we’ve lost our jobs or something has happened where we have to make phone calls we didn’t have to before," he said.But the tech world is helping improve accessibility, with companies like Zoom and Google enabling live captioning for video calls, transcribing conversations within seconds.Conley’s also relied on an app that provides real-time captioning for phone calls. Called InnoCaption, calls are captioned by either a stenographer or automated speech recognition software.“It really changes everything," said Conley. "Before, I used to dread making phone calls. Now, it’s not a problem; it’s freed me completely.”Funded by the Federal Communications Commission, the app is available at no cost for the deaf and hard of hearing."It’s very intuitive," said Conley. "Everything is converted into text in real-time."Conley says in-person communication would be easier if people wore clear masks, but right now, that’s not happening much, making the innovations in his hand that much more of a lifeline. 2123