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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 two Stanford economists, Bob Wilson and Paul Milgrom, won the 2020 Nobel Prize in Economic Sciences, it was announced very early in the morning Pacific time. So early, that one of the men didn’t pick up their phone and was told about the award through his security camera.“Paul, it’s Bob Wilson. You’ve won the Nobel Prize, and they’re trying to reach you,” Wilson said to his co-recipient through the front door camera around 2 a.m. PT.Milgrom responds, “Wow, yeah, OK.” 484

Whether you can afford a home depends — a lot — on the city you want to call home. A modest income can go a long way in Cumberland, Maryland, the metropolitan area with the nation’s most affordable houses. In contrast, the least affordable homes are in the San Jose, California, metropolitan area — the center of Silicon Valley.In Cumberland, a median-priced house costs less than two years’ median household income. By contrast, the typical home in San Jose costs about 10 years of household income.NerdWallet calculated affordability for 173 metropolitan areas by comparing the median annual household income and the monthly principal-and-interest payment for a median-priced single-family home. “Median” means half of the values or incomes are higher and half are lower. Those comparisons revealed the five most- and least-affordable markets for buying a home.The lists were compiled using data from the National Association of Realtors, the Census Bureau and NerdWallet surveys.? MORE: How much can you afford in your area? 1045

While we're all focused on COVID-19 as we head back to school this fall, Patti Wukovits is focusing on Meningitis B.“She loved to entertain and make people laugh. She enjoyed life. When I think of Kim the one word that comes to mind is joy,” said Wukovits. It's still painful for Wukovits to talk about her only daughter. Kimberly Coffey was a high school senior who was in her last two weeks of school. She'd been accepted to nursing school and was ready to launch her career. She wanted to follow in her mom's footsteps and be a nurse. One day she came home from school with a fever.“By the next morning she wasn’t fine at all. She said 'mommy everything hurts from my eyelashes to my toes.' This is really, really bad. She couldn’t pull her head off the pillow and was completely lethargic,” Wukovits recounted. Kimberly told her mom that it felt like her ankles were bleeding. Patti saw purple dots and rushed her daughter to the emergency room. “One of the doctors pulled me aside and said 'we believe your daughter had bacterial meningitis.' I said 'That’s not possible. I made sure Kim was vaccinated with the meningitis vaccine.'”She learned that Kim wasn't fully protected. "At the time, in 2012, when she got sick we didn’t have a Meningitis B vaccine in the United States so I couldn’t protect her with that. She didn’t have the privilege of having a Meningitis B vaccine."Doctor Paul Offit, Professor of Pediatrics at Children's Hospital of Philadelphia says it's a vaccine that's necessary and reduces your chances of the type of pain, loss and suffering that Patti lives with everyday.“There’s five different strains that causes these, one vaccine prevents 4 of them: a, c, w, y and then there’s a b category, so 5- A, c, y,w and b. A few of the vaccines just do a c w and y and couple just do b, so 2 vaccines to prevent all 5 strains,” said Dr. Offit. Wukovits says, "her organs were failing and she was in septic shock and she went into cardiac arrest this is a child who was just in her classroom the day before talking with her friends about prom and how her beautiful dress was on her closet door and excited about graduation and starting nursing school.”Out of Kimberly's tragedy - came the Kimberly Coffey Foundation and the Meningitis B Action Project. “I am promoting awareness of her story so that this does not happen to anyone else. It does not have to happen any longer, we have a vaccine and it should not be happening. We shouldn’t lose one more child. But again, if parents don’t know about it we might not know to ask about it,” Wukovits said.Even in the COVID-19 era, Wukovits is doing webinars, educating everyone about the two separate vaccines, and empowering parents and families to have the conversation before they head back to school this fall. “I know we’re making a difference I know that. Kimberly’s dream was to be a pediatric nurse and save children’s lives and this is not how she or I planned she would save children’s lives but she still is and through me. I’m her voice.”A powerful message from a mom on a mission to save lives, just like Kim would have wanted. 3118

When asked directly if President Donald Trump condemned the action of an armed counter-protester who allegedly shot and killed two people in Kenosha, Wisconsin last week, White House Press Secretary Kayleigh McEnany declined to answer.McEnany said she would not "speak for Trump" regarding 17-year-old Kyle Rittenhouse's arrest. She implied that Trump would be holding his own briefing on Monday evening and suggested reporters ask about the incident then.Rittenhouse was arrested last week after traveling to Kenosha, Wisconsin, and allegedly shooting three protesters amid demonstrations following the police shooting of Jacob Blake. Rittenhouse is accused of killing two people and injuring a third. His attorney claims that he shot and killed in self-defense.An analysis of Rittenhouse's social media accounts indicates he was a Trump supporter. 858