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A farm in Indiana is recalling more than 200 million eggs sold in nine states over salmonella fears.Rose Acre Farms voluntarily recalled 206,749,248 eggs due to potential contamination with Salmonella Braenderup, the Food and Drug Administration said in a statement.At least 22 illnesses have been reported so far, the FDA said Friday.The eggs were sold through retail stores and restaurants. They reached consumers in Colorado, Florida, New Jersey, New York, North Carolina, Pennsylvania, South Carolina, Virginia and West Virginia."Consumers with these eggs shouldn't eat them," FDA Commissioner Scott Gottlieb tweeted. "Throw them away or return them to place of purchase for credit or refund."Brands affected include Country Daybreak, Coburn Farms, Crystal Farms, Sunshine Farms and Glenview, with some eggs sold at Walmart and Food Lion stores.Salmonella causes serious and sometimes fatal infections, especially in young children, the elderly and people with weakened immune systems. It is generally contracted from contaminated poultry, meat, eggs and water, and affects the intestinal tract.Chickens can pass the bacteria to eggs because the eggs leave hens through the same passageway as feces. Alternatively, bacteria in the hen's ovary or oviduct can get to the egg before the shell forms around it, according to the US Department of Agriculture's Food Safety and Inspection Service. Symptoms include fever, nausea, diarrhea and abdominal pain.In 2010, a salmonella outbreak sickened hundreds and led to the recall of half a billion eggs. 1558

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 Black Lives Matter billboard is seen next to a Confederate flag in Pittsboro, N.C., Thursday, July 16, 2020. A group in North Carolina erected the billboard to counter the flag that stands along the road. (AP Photo/Gerry Broome) 238

A highly contested election is highlighting the divisions between the so-called Red State America and Blue State America. At the same time, in four of the five states in which the final vote tallies have not been determined, the difference in votes between Donald Trump and Joe Biden is small: less than two percent, in each state.Americans are speaking differently but in equal numbers.Going forward, will the nation stay equally divided? The major factor answering that question, political analysts said, is Trump himself."He's not going anywhere," said Peter Woolley, director of Fairleigh-Dickinson University's School of Public and Global Affairs.He said that Trump's presence will determine how well the country can unite following a contentious election, no matter who wins. The more present Trump remains, Woolley said, the less united the country is likely to be."He's going to try to maintain his audiences," Woolley said, via Zoom. "He's going to try to maintain his base, and the only way to do that is to pit them against what they consider to be the other side."Alain Sanders, an emeritus professor of political science at St. Peter's University, said that Trump exacerbates divisions, and that's not likely to change, whether or not he remains in the Oval Office."We are politically divided in ways that we have not been divided for many, many years," Sanders said. "And so what the president has done, of course, while president, has been to fuel those divisions."He has not sought to be a healer," Sanders continued, "and that has aggravated the political divisions of this country."PIX11 News went to one of the most contrasted communities in the country, Howard Beach, where Trump has dominated in the vote count, despite the surrounding county voting heavily for Biden.Voters there expressed a variety of opinions."I have very little confidence," Chris Domingue said. "That's why I said my stomach is churning. And I feel it's divide and conquers."She said that she's a Democrat, who was visiting Howard Beach from Flushing, Queens, which votes very differently than Howard Beach. Her assessment was the exception, actually.Another voter, who chose not to give his name, said, after being asked if he can feel comfortable interacting with people who voted differently than he did, "I've never been uncomfortable. I don't have a problem."Howard Beach resident Vinny Ardelian agreed."Everyone is entitled to their own votes," he said. "Except us, the people should be all together, no matter what."That could be eclipsed, many political analysts say, if — and at this point, it's very much still if — Trump loses, and there's a Biden presidency."He will be the first president in a long, long time," Woolley said, "to have an outgoing president dog him day in, and day out."This story was first reported by James Ford at WPIX in New York, New York. 2874

A lawyer says a woman who drove into a crowd at a Southern California rally against racism had been surrounded by hostile counter-demonstrators and feared for her life.Tatiana Turner faces a court appearance Tuesday in Orange County. She's being held on million bail on suspicion of attempted murder and assault with a deadly weapon.A man and woman were seriously injured during the Saturday confrontation in Yorba Linda.Attorney Ludlow Creary said Monday that Turner was in fear for her life and never intended to harm anyone.A spokeswoman for the Orange County sheriff says they will look into the claim that Turner sought help before driving into the crowd. 671