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A Detroit nonprofit says it was denied service because of the city it's located in.Franklin Wright Settlement has been in business for more than 134 years on the east side of Detroit, and says a bounce house company would not deliver to the city because of safety issues.Deon Mullen, director of the Franklin Wright Settlement, said he tried to rent a bounce house for an annual event for kids, but says Awesome Bounce in Canton told him no."I was quite surprised," he said.Awesome Bounce sent Mullen an email saying the company does not service Detroit because of employees being robbed and equipment being stolen and damaged in the past. Mullen said he was offended by the email and said not all of Detroit is dangerous. He said he feels the owner's decision is bad business.Mullen said he is most upset at a certain part of the owner's response, where he states he feels sorry for the deserving children who were born into one place and not another. He also doesn't feel that the issue of safety is a valid excuse."It can happen anywhere," Mullen said. "In any suburban community, crime can happen."The owner offered to sell Mullen a used bounce house.Mullen said he understands a businessman's concerns about employee's safety, but labeling all of Detroit as bad was something that didn't sit well with him. 1339
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 candidate for a seat in the House of Representatives in Maine has apologized after taking to Twitter to attack a student activist in Parkland.Leslie Gibson, a Republican, originally tweeted "There is nothing about this skinhead lesbian that impresses me and there is nothing that she has to say unless you're frothing at the mouth moonbat." Gibson wrote this about 18-year-old Emma Gonzalez.Gonzalez has been at the forefront of those speaking out following a shooting at Marjory Stoneman Douglas High School on Feb. 14, 2018 in Parkland, Florida. She is leading the fight to make assault rifles harder to obtain.The candidate's attack tweets were deleted, and Gibson tweeted an apology, saying, "You are doing work that is important to you. I would like to extend my hand in friendship and to understand you."Gibson had been running unopposed for the seat in the 57th District in Maine. The Sun Journal reports Democrat Eryn Gilchrist, a 28-year-old Connecticut native now living in Maine, filed paperwork after the comments were made and there was a push for someone to run against Gibson.The seat is now contested, the Sun Journal reports.It appears Gibson has since removed the Twitter account, @LeslieEGibson2, and those discussing the situation on Twitter are using a hashtag, #LeslieEGibson. 1358
A man has been arrested after allegedly attacking a woman with a biscuit in Nashville. An affidavit from Metro Nashville Police said officers were called to 2301 Murfreesboro Pike on Aug. 19 in response to a domestic disturbance. A Google Maps search shows a BP gas station at that address.A woman told police that she was in the backseat of her boyfriend’s car when the suspect threw a biscuit that hit her in the face. The victim reported being in pain after the incident.When they left the area, the suspect allegedly charged after her and punched the hood of the car, leaving a large dent. He then yelled, “I’ll kill you mother f***er,” the police report said. The victim said she was “very much in fear” and believed she would have been hurt had her boyfriend and another person not intervened. Police later arrested Jeffrey L. Tomerlin on a charge of public intoxication. Officers said he smelled of alcohol and his level of intoxication was so high that he may have been a danger to himself. The affidavit also said he was an “unreasonable annoyance” to people in the area. He was eventually taken to an area hospital because police said he kept banging his head on the patrol car windows. 1245
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