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A federal appeals court on Friday overturned the death sentence of Dzhokhar Tsarnaev in the 2013 Boston Marathon bombing. The three-judge panel of the 1st U.S. Circuit Court of Appeals in Boston issued the decision more than six months after arguments were heard in the case. Tsarnaev’s lawyers had argued that intense media coverage had made it impossible to have a fair trial in Boston. The April 15, 2013, attack killed three people and injured more than 260 others. Tsarnaev was convicted on 30 charges, including conspiracy and use of a weapon of mass destruction. 577

A man riding a horse on Saturday was arrested for suspicion of driving under the influence when he entered the 91 freeway near Long Beach, California.The California Highway Patrol Santa Fe Springs division posted pictures of the arrest on Twitter saying "Don’t put yourself, your beautiful animal, or others in danger of being killed in traffic." So a horse walks onto the 91 freeway...no joke. Rider arrested by CHP for DUI in the greater Long Beach area. Don’t put yourself, your beautiful animal, or others in danger of being killed in traffic. @CBSLA @NBCLA @KTLA @ABC7 @FOXLA @CNN @FoxNews @ABC @NBCNews @CBSNews @CHP_HQ pic.twitter.com/YdiL54ctvQ— CHP Santa Fe Springs (@CHP_SFS) February 25, 2018 721

A high-ranking Transportation Security Administration official says the agency is falling short when it comes to protecting airport screeners and the public from the new coronavirus while at the country's airports, according to published reports. The Officer of Special Counsel, a federal office that handles whistleblower complaints, has ordered an investigation by the Department of Homeland Security. The whistleblower's charges were reported by the Washington Post and National Public Radio. Several publications identify the whistleblower as TSA Federal Security Director Jay Brainard, who is the official in charge of transportation security in Kansas. "You've got communities shutting down. You've got governors shutting things down. And we still hadn't mandated masks. We still hadn't mandated eyewear. We still weren't changing personal protective equipment as often as we needed to," Brainard told NPR. "Every federal security director was forced to fend for him or herself."TSA says it follows guidelines set by the Centers for Disease Control and Prevention, and that screeners now wear masks and nitrile gloves. But the whistleblower says there are still gaps, including no procedure for handling travelers who appear to be sick.Brainard has been a whistleblower before, most recently in December when he told CNN he was worried about loosened security at airports. 1386

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 group of siblings are back together after being separated in foster care.A Texas couple with three biological children officially adopted the five siblings over a Zoom call in May, doubling the size of their family.Andi Bonura says she and her husband, Thomas, had been wanting to adopt after years of pregnancy issues. Their three existing children, Joey, Sadie and Daphne, were born premature. They also lost one child during a pregnancy and another died in the NICU.So, in 2017, the couple got licensed to become foster parents. Their first foster child was Bryson, who is now 2 years old. The couple then began fostering two of Bryson’s older siblings, David and Gabrielle.Eventually, the two final siblings, Thomas and Carter, started visiting the Bonura home and asked if they could also come live with them, according to Bonura.Bonura says that one day, she got a call saying their foster children’s biological parents were terminating their rights to the kids and they were given the option to adopt them. They said yes.Bonura says finally adopting the children was so freeing and felt wonderful.“We had been working so hard for years to get them all together, to bond as a family and it just feels so amazing to all of us, knowing we are a family, finally,” said Bonura.If you’re considering becoming a foster parent or adopting, Bonura says to do it if you can.“It will be the single most important and meaningful thing in your life,” she said. “The struggles to get to the place, your goal, is worth every tear. Because every struggle opens and teaches your heart how to help heal their precious innocent hearts. Watching these tiny people grow and heal brings hope that the future will bring much goodness to our broken world.” 1749

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