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A city in China is warning consumers after a sample of frozen chicken wings from Brazil has tested positive for the coronavirus.A statement from the city of Shenzhen says a “surface sample of frozen chicken wings” tested positive. Coronavirus testing was done on anyone who may have had contact with the product, and so far tests have come back negative, according to city officials.Authorities are tracing related products from the same brand that have already been sold, and have disinfected the area where the contaminated chicken wings were stored, according to CNN.The city warns people about buying imported frozen meat and aquatic products and to take steps to reduce the risk of contracting the coronavirus.The CDC and WHO say the chances of catching the coronavirus from food is low.“Currently, there is no evidence to suggest that handling food or consuming food is associated with COVID-19,” the Centers for Disease Control and Prevention states on their website.However, they continue by stating it is possible a person could touch a surface that has the virus on it and then touch their mouth or nose, potentially spreading the virus.The CDC recommends safe food practices like washing hands after touching food packaging and food products, and cooking meat thoroughly. 1290
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 Las Vegas personal injury lawyer has been arrested in a theft case stretching back years.Beginning in March, Las Vegas Metropolitan Police Department detectives began to receive reports from multiple victims regarding a local personal injury lawyer. Victims that have to this date filed police reports, all allege that their personal injury attorney, later identified as 53-year-old Matthew Dunkley, misappropriated financial settlements the victims were to receive as a result of their cases in which Dunkley represented them.The reports indicated that Dunkley, in addition to misappropriating the settlements to the victims, also took money from the insurance companies that were intended to cover the victims’ medical bills. The victims never received their settlements and are now being held personally responsible for the unpaid medical bills. On Monday, Dunkley was located by detectives with the LVMPD Major Violators Section Repeat Offender Program and taken into custody. He was transported to the Clark County Detention Center where he faces at least 39 counts of theft.As of his arrest, detectives believe approximately .8 million was taken from victims.Detectives are asking any additional clients of Dunkley Law who may be awaiting settlements and were victimized by this scheme, to contact the LVMPD Theft Crimes Bureau at 702-828-3483.Clear Counsel Law Group has assumed some of the cases, but these clients may still have been victimized by Dunkley.In 2017, the Nevada bar asked Clear Counsel to assist Mr. Dunkley's former clients with open legal matters. Clear Counsel Law Group has no other relationship with Mr. Dunkley.Many of these cases were from personal injury cases that had occurred as far back as 2012, and one of the incidents involved a 5-year-old child who had been the victim of a dog attack. These victims also filed complaints with the State Bar of Nevada.According to the website of the State Bar of Nevada, Dunkley was suspended from practicing law in October of 2017. 2047
A Dodge Charger abandoned after an accident. Officers arrested the driver for allegedly using stolen identities to buy cars and rent apartments. 153
A doctor was shot and killed in the parking lot of Affinity Medical Center in Massillon, Ohio on Monday afternoon and then the gunman turned the gun on himself, according to Massillon police. The gunman, Michael Wood, died from the self-inflicted injuries in the parking lot, police said. 322
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