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When asked at a press conference on Wednesday about the consequences of calling himself a "nationalist," President Trump refused to answer the question, calling the question "racist."Trump was asked by PBS reporter Yamiche Alcindor, who is black, about comments he made late last month at a political rally in which he called himself a nationalist. Alcindor asked if he thought his rhetoric was emboldening white nationalists across the country."That's such a racist question," Trump said. "I don't believe that."Trump went on to cite approval numbers among African-Americans as to why he didn't think white nationalism was on the rise."I love our country," Trump added. "You have nationalists, you have globalists. I also love the world. I would love to help the world, but we have to straighten out our country first. But to say, that, what you said, is so insulting to me. It's a very terrible thing you said."  947

While the second Monday in October is traditionally when Columbus Day is observed, many communities have opted to celebrate Indigenous Peoples’ Day instead.Columbus Day became a federal holiday in 1937. For many, the holiday is a way of honoring the achievements of Christopher Columbus and celebrating Italian-American heritage, according the History Channel.However, the explorer and his holiday have generated controversy. Although Columbus was the first European to explore the Americas since the Vikings established colonies in the 10th century, the History Channel says he viewed the native people as obstacles.Columbus is accused of labeling the indigenous people as “Indians.” Other points of controversy revolve around the use of violence and slavery, the forced conversion of native people to Christianity, and the introduction of deadly diseases.As a result of these points, Native Americans and other groups have protested the celebration of Columbus Day, viewing it as a celebration of the colonization of America, the beginning of the slave trade, and the deaths of natives from murder and disease.In the past few years, there’s been a movement to replace Columbus Day with Indigenous Peoples’ Day, which honors Native American histories and cultures. Several states now celebrate or observe that holiday instead of or in conjunction with Columbus Day.A total of 14 states, Washington D.C. and more than 130 cities observe Indigenous Peoples’ Day, USA Today reports. Those states are Alabama, Alaska, Hawaii, Idaho, Maine, Michigan, Minnesota, New Mexico, North Carolina, Oklahoma, Oregon, South Dakota, Vermont and Wisconsin. 1648

Who would be willing to pay upward of 0 for Payless shoes?Hoodwinked social media influencers, that's who.Payless, a brand known for budget-friendly shoes, opened a fake pop-up store called "Palessi" in a Los Angeles mall and invited influencers to the grand opening. The store was stocked with Payless shoes in disguise."I would pay 0 or 0," a woman says in a TV ad, holding a pair of .99 sneakers. Another shopper calls the Payless shoes "elegant and sophisticated." 488

With news of two highly effective COVID-19 vaccines on the horizon, health officials and scientists are giving us new insight into how we could gain herd immunity."If we think of the population as a single group of people with all similar risks and susceptibilities and behaviors, we need 60% of people to be immune, meaning that not only they don’t get sick, but also they don't pass on the virus to other people," says Dr. Stuart Ray, an infectious disease professor and herd immunity expert at Johns Hopkins University.Dr. Ray says achieving herd immunity with the help of a COVID-19 vaccine would mean enough people would either get the vaccine or already have recovered from the virus and be immune to help stop the spread of the virus."It's a little bit like this notion that if you’re going to pass on a message from a lot of people in a group, they have to speak the same language. And the more people don't speak the language, the harder it's going to be to pass that message and there’s a threshold at which the message just gets stopped," says Dr. Ray.Still, it would take a certain number of people to get the vaccine and have that immunity last in order to reach herd immunity. Stanford University's Dr. Bali Pulendran hopes that we can achieve herd immunity, even though there are a certain number of people who are still hesitant to take the vaccine."I think we should remember that a vaccine that is 95% effective is only effective if the majority of people in a population take it. If only half the population or only 60% of the population take it, then we are unlikely to have achieved the level of herd immunity that you need for curbing the disease," says Dr. Pulendran.And if the new COVID-19 vaccine requires two doses, how crucial will it be to make sure people receive that second round of immunization?Asked whether follow up will be a concern, Dr. Ray says, "I think it is a possible concern. We’re going to do a lot of learning. So, one of the things we’ve learned is that some vaccines we thought you needed multiple doses, one dose works pretty well."Doctors say research will be ongoing on the vaccine and the virus itself to ensure people will be protected as much as possible, because so many are hopeful for an end to COVID-19. 2268

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

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