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A man fell about 100 feet into the ocean on the Oregon coast while trying to take a photograph at the scenic spot, according to state police.Sunday afternoon, troopers were called to an area of Oswald West State Park, about 20 miles south of the Oregon-Washington border.Two people had walked down a trail to take a photo at a cliffside viewpoint. The investigation found one of the hikers climbed a tree on the cliff’s edge to pose for a photo. A limb broke, causing the man to fall into the ocean below.Oregon State Police shared an image of a "danger" sign along the trail.The U.S. Coast Guard helped find the man. He was later pronounced dead at the hospital. 671

A Los Angeles coroner says rapper Mac Miller died from a mixture of some pretty heavy drugs. The rapper died two months ago and his autopsy shows the combination of fentanyl, cocaine and alcohol is what killed him.Miller was 26 years old and a native of Pittsburgh, Pennsylvania. His real name is Malcolm James McCormick and he had a public struggle with drug abuse, USA Today reports.   415

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

A former Jupiter, Florida police sergeant was fired after an investigation found he performed sex acts while on duty, is now suing the town of Jupiter.Jason VanSteenburgh is suing the town for negligent supervision as well as retaliation and discrimination, after he says he was sexually harassed by then Major Amy Walling.Walling was fired at the same time as VanSteenburgh, for engaging in those sexual acts with the sergeant, while he was on duty.Investigators said videos taken during the acts were part of evidence. In his lawsuit, VanSteenburgh admits he engaged in a sexual relationship with his supervisor, Walling in 2013. But he says "she used her power as major to discipline him for personal matters/disputes and put his position on the SWAT team at issue."VanSteenburgh said he ended his relationship with Walling in 2016 when "she began to stalk him and sexually harass him in the workplace, despite his objections." VanSteenburgh says he was fearful of complaining about her."This fear was confirmed when Chief Kitzerow made a comment to VanSteenburgh that he would 'always back his command staff,'" the lawsuit claims.He says despite his objections, Walling then sent him a half-naked photo of herself in his shirt. She also allegedly "bought a home near his home and an identical vehicle to that of his fiancee."VanSteenburgh said he complained to the chief, deputy chief, human resources and other majors multiple times but was told not to worry. He claims "Walling was told to stay away by command staff," but she didn't.VanSteenburgh then says he was removed from the SWAT team and placed on administrative leave. Eventually, he was fired but claimed Walling was given the chance to fight for her job when he wasn't.Jupiter police investigators found that VanSteenburgh engaged in sexual acts in July 2015, after they said a video produced by Walling confirmed all of this.He was also found to have sent a half-naked photo while on duty and in uniform in 2015.Investigators found Walling engaged in that sexual act in July 2015, and also sent naked photos of herself.Both permanently lost their jobs in 2017.  2197

A judge is temporarily barring the Department of Homeland Security from enforcing new asylum restrictions on two organizations.Judge Paula Xinis says that's because action Sec. Chad Wolf is likely in his role unlawfully.Dozens of states, cities and counties are suing over the new rules that make asylum seekers wait longer to get jobs.The Maryland judge's injunction applies only to two groups she say shave clear standing and proof of irreparable harm: CASA de Maryland and Asylum Seeker Advocacy Project.Previously, the government accountability office also determined that Wold was appointed as part of an invalid order of succession. 646

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