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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

What does it look like when galaxies collide? The Hubble Telescope captured a unique sight as two galaxies are in the process of merging.NASA says the galaxy, called NGC 1614, is about 200 million light-years from Earth and is the result of a “galactic merger” which has created a unique appearance. They call it “eccentrically shaped” and “ablaze with activity” in a statement on NASA’s website. It sits in the constellation of Eridanus.The result of the cosmic collision is a flow of interstellar gas from the smaller galaxy into the nucleus of the larger one, “resulting in a burst of star formation that started in the core and has slowly spread outward through the galaxy,” NASA says.Astronomers say NGC 1614 is one of the most luminous objects in the local universe. 780

White House physician Ronny Jackson will not return to his role as President Donald Trump's personal physician, Politico reports, citing two senior administration officials.The move comes after Jackson, a Navy rear admiral, withdrew his nomination for secretary of veterans affairs following a string of allegations that included he loosely handled prescription pain medications, was intoxicated during an overseas trip, and created a toxic work environment. Jackson has denied the allegations.The White House did not immediately respond to CNN's request for comment. 575

With Democrats set to take control of the House in January, speculation abounds about whether the new majority would impeach the President.Americans break against that idea, according to a new CNN poll conducted by SSRS. Half, 50%, say they don't feel that Trump ought to be impeached and removed from office, while 43% say he should be. Support for impeachment has dipped some since September, when 47% favored it, and is about the same as in a June poll (42% favored it then). Support for impeachment of Trump remains higher than it was for each of the last three presidents at any time it was asked. It's on par with President Richard Nixon, who 43% of Americans said should be impeached and removed from office in a March 1974 Harris poll.The shift on impeachment comes mostly from political independents. In September, they were evenly split on the question, with 48% behind impeachment and 47% opposed. Now, 36% favor impeachment and 55% are opposed.There's also been a meaningful shift on the question among younger adults (53% of those under age 45 backed impeachment in September, now that's down to 45%) and racial and ethnic minorities (66% favored it in September, 50% do now).Related: Full poll resultsTrump himself warned his supporters during the 2016 midterm campaign that Democrats would try to impeach him, although Democratic leaders like soon-to-be House Speaker Nancy Pelsoi have dismissed the idea.More recently, Trump has been worrying about the prospect, according to reporting by CNN's Jim Acosta, as a number of his former associates cooperate with the special counsel investigation into possible collusion by Trump's campaign with Russians interfering in the 2016 election.The incoming Democratic chairman of the House Judiciary Committee, Jerry Nadler of New York, told CNN's Jake Tapper that if allegations by Michael Cohen that Trump directed him to issue illegal payments to women alleging affairs to keep them quiet during the 2016 election were true, those would constitute "impeachable offenses." At the same time, Nadler made no suggestion Democrats would pursue impeachment against Trump.One reason Democrats might not impeach Trump even if he is ultimately implicated by special counsel Robert Mueller is that while they control the House, and so could potentially impeach him in that chamber with a simple majority, Republicans will still control of the US Senate. It would require the defection of 20 Republican senators to remove Trump from office if he were impeached by Democrats in the House.That defection among the President's partisans failed to happened when Republicans in the House impeached Bill Clinton in the late 1990s. There were nowhere near the 67 votes needed in the Senate to remove Clinton from office.Trump, however, is not nearly as popular now as Clinton was then. Clinton reached more than 70% approval when the House voted to impeach him in December of 1998, according to CNN/Gallup/USA Today polling.Former President Richard Nixon, who resigned rather than be impeached, had a much lower approval rating than Trump has now. He was under 30% approval when he resigned in August of 1974. Trump's approval rating has remained remarkably steady, in the high 30s and low 40s -- much less than Clinton, but much higher than Nixon.All of this remains academic since Democratic leaders have not expressed any interest in impeaching Trump.The CNN Poll was conducted by SSRS December 6 through 9 among a random national sample of 1,015 adults reached on landlines or cellphones by a live interviewer. Results for the full sample have a margin of sampling error of plus or minus 3.8 percentage points, it is larger for subgroups. 3691

With NFL preseason games scheduled to be held next month, several outlets are reporting that the NFL will reduce the number of preseason games teams play from four to two.Pro Football Talk and ESPN reported the change Wednesday afternoon, but the league has not made an official announcement.Pro Football Talk said that the league decided to eliminate Week Nos. 1 and 4 of the preseason. The report says that in addition to teams not wanting to travel large numbers of personnel amid a pandemic, with a lack of offseason workouts, coaches indicated a preference to hold extra practices instead of preparing for exhibitions.The length of the preseason has been considered too long by some in the past, as most teams opt to play reserves for the fourth and final game of the preseason. But the loss of a preseason home game could result in a decrease in revenue for teams.It remains unclear if teams will be allowed to welcome fans in stadiums this fall. 960