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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

While scientists work to come up with a safe and effective COVID-19 vaccine, doctors across the country are watching closely. Many are helping guide their patients in making an informed decision about getting a vaccine."This was indeed a surprise to see that there would vaccines available by the 1st of November. It’s clearly an aspirational goal, because we all would like to see a safe and effective COVID-19 vaccine as soon as possible, but I think testing vaccines to make sure they’re safe and effective is of paramount importance," said Dr. Bali Pulendran, a microbiology and immunology professor at Stanford University.Dr. Pulendran says the process of developing a vaccine involves numerous steps, and scientists are getting closer to the end. Still, it's hard to put an end date on the third and final phase of a vaccine trial. This last phase determines whether the vaccine actually works."The way in which you can assess whether a vaccine works is to see how many of these people acquire the disease or become infected with COVID at some period of time," explained Dr. Pulendran.Phase three divides the trial participants into two groups. One group is given the vaccine, and the other is given a placebo."And then, you calculate the efficacy based on those numbers. So, if there were 200 people affected in the placebo group but there were only 100 people who were infected in the vaccinated group, then the efficacy is 50 percent" said Dr. Pulendran.The third phase is hard to time, as it depends on how quickly some of the trial participants become infected. If they live in areas where COVID-19 infection rates are higher, the phase will be completed faster.But there are some other ways to speed up the vaccine trial.Dr. Darria Long, an emergency room physician and clinical assistant professor at the University of Tennessee-Erlanger, says one way is by doing two of the phases at the same time. Another way is if officials prepare for the manufacturing and logistics side of producing the vaccine during the third phase of the trial."This is what we see the CDC saying is to get ready on the manufacturing and logistics side because even if you come up with the perfect target drug, making sure you can manufacture hundreds of millions and that you have the little glass vials that can keep it at the right temperature, those are all things that can be hang-ups,” said Dr. Long. “So, they're wanting to expedite that process, because the last thing you want is to say is we have the vaccine, but we can’t get it to people.”Dr. Long is already answering her patients' questions as news of a possible COVID-19 vaccine continues to be publicized."I do think a lot of people are wondering about this vaccine and it runs the gamut. There are those that say they really want the vaccine because they see it as this gateway to getting back to life as we know it," said Dr. Long.There are also those who are really concerned about the efficacy and safety of a COVID-19 vaccine. Doctors say a key piece in evaluating a vaccine when it does come out is the data surrounding it."The data that comes out in the public domain: is a particular vaccine efficacious? How effective is it what is the efficacy data? Is a particular vaccine safe? What are the side reactions? And they should talk with their physicians to ask each question. Ask doctors, ‘Could you tell me what the safety part of this vaccine is?" recommended Dr. Pulendran.And above all, doctors and scientists hope politics will stay out of the development of a COVID-19 vaccine in order to ease any concerns or hopes for a vaccine to be available as soon as possible. 3644

With just eight days until election day and despite attempts at parliamentary roadblocks by Democrats, Senate Republicans easily confirmed Judge Amy Coney Barrett to the Supreme Court on Monday.On Sunday afternoon, the Senate voted 51-48 to advance Barrett's confirmation, which opened a final 30 hours of Senate debate. Senate Majority Leader Mitch McConnell directed the Senate to work overnight to complete the process by Monday evening. According to CNN, President Donald Trump is expected to swear-in Barrett at a ceremony at the White House at 9 p.m.Sen. Susan Collins, R-Maine, was the only Republican Senator set to vote against Barrett's confirmation. The final tally was 52-48.Meanwhile, Democrats' repeated attempts to delay the process have proven futile. On Thursday, Democrats on the Senate Judiciary Committee chose to boycott a vote that sent the vote to the Senate floor. And since Senate Republicans changed parliamentary rules to prevent the filibuster of Supreme Court nominees in 2017, Democrats have little recourse to further block Barrett's confirmation.The push to fill the Supreme Court seat vacated by the death of Justice Ruth Bader Ginsburg stands in stark contrast to 2016, when Republicans chose not to hold confirmation hearings for President Barack Obama's nominee to replace Justice Antonin Scalia for more than six months prior to a presidential election, saying that the American people should decide who fills the vacancy.Barrett's confirmation would give conservative judges a 6-3 voting edge on the court, which could significantly shape policies and precedents for a generation. 1626

When adult film star Jessica Drake accused Donald Trump of sexual misconduct a month before the Presidential election, Trump said through a spokesperson that he didn't know the woman and had "no interest in ever knowing her."Less than a week later, a woman named Angel Ryan was listed in a secret settlement agreement negotiated by Trump's personal attorney as having "confidential information" about the then-Republican nominee.The two occurrences may appear unrelated. But there is a connection: Drake, the woman who accused Trump, and Ryan, the woman named in the non-disparagement agreement, are the same person, according to interviews and documents reviewed by CNN.The connection raises new questions about the circumstances surrounding the controversial agreement in which Trump attorney Michael Cohen sought to protect his longtime client and friend.The Wall Street Journal was first to report the news that Cohen paid adult film star Stephanie Clifford 0,000 to keep quiet about an alleged affair with Trump.Earlier this week, Clifford, who performs under the name Stormy Daniels, sued the President in Los Angeles Superior Court seeking to void the agreement, which she attached to her complaint.In a section dealing with "prior disclosures" of "confidential information," the agreement cites four people with whom Clifford had already shared such information.One of them was Angel Ryan.Online records reviewed by CNN show that Ryan obtained a trademark registration for the name Jessica Drake.Gloria Allred, Ryan's attorney, confirmed the link for CNN."Jessica Drake is still my client. She is Angel Ryan and the one whose name is in the settlement agreement," Allred told CNN. She said her client was never contacted about Clifford's settlement agreement.Allred would not comment on Ryan's relationship with Clifford, or the timing of her 2016 disclosure being so close to the drafting of Clifford's agreement.Both Clifford and Ryan worked for Wicked Entertainment and both said they attended a 2006 golf outing in Lake Tahoe, also attended by Trump.Clifford said in this week's court filing that she began "an intimate relationship" with Trump that summer, which continued into 2007.At the press conference in October 2016, Ryan, joined by Allred, said she was subjected to unwanted sexual advances by Trump at the golf tournament. She said he kissed her without asking and offered to pay her for sex.Trump campaign officials denied the allegations and said the candidate did not know his accuser.Six days later, Drake's real name appeared in the agreement related to Clifford.Cohen has publicly acknowledged using his own money to facilitate the payment to Clifford in the weeks before the presidential election. He said Trump had no knowledge that he was planning do so or had done so. He said Trump "vehemently denies" Clifford's allegations.The agreement specified three other people with whom Clifford had shared "confidential information." They are an ex-husband, a business manager, and a photographer.All three either declined comment or could not be reached. 3121

With a .6 billion Mega Millions jackpot up for grabs Tuesday night, lottery players across the country are no doubt looking for any edge they can get.Disclaimer: Your odds of winning the Mega Millions jackpot are 1 in 302,575,350, no matter which numbers you pick or where you buy your tickets.Mathematicians say the simplest way to increase your odds is to buy more tickets. Think about it: Two tickets give you twice the chance (though your odds are still minimal), and buying 100 million tickets would give you a 100 million chances (but you could still lose, and lose 0 million in the process).Whatever you do, don't overspend. Mega Millions reminds players that gambling can be addictive and very damaging. The information below is presented solely for entertainment purposes only, and the E.W. Scripps Co. is not responsible for any losses incurred by using the following tips.  947

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