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A majority of the House of Representatives is on record supporting another billion to help airlines pay their workers through next March. The goal is prevent large-scale layoffs in October, when an earlier round of federal aid runs out. Airlines are staggering under a massive drop in air travel caused by the coronavirus pandemic. On Monday, 195 Democrats and 28 Republicans endorsed more payroll aid for the industry. But the fate of the proposal is unclear. Republicans who hold the majority in the Senate released a new coronavirus-relief measure that did not include the airline provision. 606

A global research team of NASA’s Jet Propulsion Laboratory in Pasadena, California, using spectroscopes, have found hydrogen sulfide in the clouds or Uranus, NASA said on Tuesday. What is special about hydrogen sulfide is it is a common chemical on Earth humans like to avoid. Hydrogen sulfide is the same gas that rotten eggs emit. Yes, Uranus smells like rotten eggs. The presence of hydrogen sulfide has long been suspected on Uranus. NASA’s Voyager 2, which passed by the planet decades ago, detected the gas. But using Earth-based satellites, NASA has been able to confirm the presence of the gas. NASA said that finding hydrogen sulfide on Uranus is a striking difference compared to the other gas planets. Jupiter and Saturn have had ammonia detected in the clouds, but not hydrogen sulfide. “We’ve strongly suspected that hydrogen sulfide gas was influencing the millimeter and radio spectrum of Uranus for some time, but we were unable to attribute the absorption needed to identify it positively. Now, that part of the puzzle is falling into place as well,” Glenn Orton of NASA’s Jet Propulsion Laboratory said. If there is one bit of good news, scientists said: It would be impossible for the hydrogen sulfide to overtake humans. "Suffocation and exposure in the negative 200 degrees Celsius [392 degrees Fahrenheit] atmosphere made of mostly hydrogen, helium and methane would take its toll long before the smell," said lead author Patrick Irwin of the University of Oxford, U.K.    1582

A faulty engine part that could cause vehicles to stall has led to a recall of 400,000 worldwide.The recall affects Toyota Motor Corp. and Subaru Corp., MarketWatch reports. About 80,000 of the 400,000 are Toyotas.Subaru is recalling some of its most popular models, such as the Forester sport-utility vehicle and Impreza and BRZ sports car. Toyota is recalling the Subaru-made 86 and Scion FR-S sports car, MarketWatch said.The automakers announced springs in the engine valve could fracture. That would cause the vehicles to stall and possibly lead to an accident.Earlier in October, Toyota recalled approximately 2.4 million vehicles worldwide due to a problem in which the cars may not enter a fail-safe driving mode as intended, which can cause the vehicle to lose power and stall. About 807,000 of those vehicles are in the United States. If this happens while driving at higher speeds, it could cause a crash. The recall affects 2010-2014 model year Toyota Prius and 2012-2014 Prius v vehicles.There was a second recall involving certain 2018-2019 Tundra and Sequoia vehicles and 2019 Avalon vehicles. About 168,000 vehicles sold in the United States are affected by this recall, which is due to a programming problem in the airbag electronic control unit (ECU) that could disable one or more of the sensors used to detect crashes, possibly causing the side and curtain shield airbags and/or front and knee airbags to not deploy as intended.  1502

A crowd of about 250 protesters on the University of North Carolina at Chapel Hill's campus knocked over the controversial Silent Sam Confederate statue, according to the university.A video and pictures from a student shows the statue coming down on Monday as students chant "I believe that we will win." Video footage from WRAL-TV shows protesters putting up poles and banners around the statue during daylight. By nightfall, video from WRAL shows the statue falling down and students cheering. Protesters could also be seen kicking Silent Sam's head and putting dirt on the statue. 591

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