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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 not final, the status update offers a look at what went wrong at MSU with the findings being what happened at MSU was a failure of people, not policy. The status update and the investigations scope was limited to what was done or not done at MSU specifically related to Larry Nassar. 297

With home-court advantage taken out of the equation this year because of COVID-19, the NBA playoffs look nothing like they once did. And on Wednesday, the season took yet another dramatic turn with at least one team boycotting the championships.The Milwaukee Bucks boycotted their game to protest the shooting of Jacob Blake in Kenosha, Wisconsin. It raises the question: what does this mean for the current moment of racial reckoning the nation has found itself in?Dwight Lewis, an activist during the civil rights movement, says it's about more than one game or any sport in particular."Sometimes you have to do things to get attention and say, ‘I can’t take this anymore. I’m mad as hell and I’m not going to take it anymore,’" the now 72-year-old activist explained.For athletes and teams in the national spotlight, it's about using their platform to get the country to pay attention."If you don’t speak out now, what are people going to say about you? That’s what was great about what the Bucks did," he added.Professional athletes using their platforms to protest racial inequality is nothing new. The first time it happened was during the 1968 Olympics when two African American runners raised their fists during the national anthem to call attention to the civil rights campaign.Lewis says decades later professional athletes are still harnessing the power that comes with their position to help enact change and move the national dialogue on race forward."This is 2020. We’re no better. Racism is still as American as apple pie, unfortunately. So, what did we do to keep these people from not wanting to walk off the basketball court or the football field? What did we do?" 1690

WICHITA FALLS, Texas — A man who was in jail awaiting trial for charges of sexually assaulting a child was released after his parents won the lottery and he posted a 0,000 bond.Jason Carlile is the 47-year-old suspect's name, and he is out from behind bars with an ankle bracelet for monitoring by authorities as well as a curfew. Carlile is the same man who was convicted in 2007 of buying a 15-year-old girl from the girl's mother. He served a three-year sentence.The girl's mother was also given a prison sentence in the incident, KFDX reports.Carlile's mother and stepdad won million in the Oct. 31 Lotto Texas drawing. It was purchased at a Fill and Chill store.The Times Record News reports Carlile has a history of sex crimes involving children.In 1994, there was an arrest warrant for him for exposing the genitals of another adult to a child and recording it.  914

While there are still questions about whether trick-or-treating will happen in 2020 and how neighborhoods will make it possible, there is no question Americans like their Halloween candy.Sales of Halloween candy and chocolate at grocery stores are up 17 percent over 2019 so far this season, according to the National Confectioners Association. Total sales, including online purchases, is up 13 percent year-over-year.The National Confectioners Association, NCA, represents manufacturers and suppliers of sweet treats, gum, mints and chocolates.Their research showed chocolate is driving the increase. Halloween chocolate sales are up 25 percent over 2019 so far. The NCA released data over the summer showing chocolate was the treat of choice of Americans during the pandemic, with sales increasing five percent March through August over the same time period in 2019. Sales of premium chocolate during that time was up 12 percent year-over-year. Ferrara Candy, which makes Sweetarts, Nerds, Brach’s Candy Corn, Gobstoppers and more, said Halloween sales bring in about .5 billion in sales. In an interview with Axios, CEO Todd Siwak said their company learned a lot from the drop in sales for Easter. This was also the time many stores were closing because of lockdowns to stop the spread of the coronavirus. Even as shopping has picked up a little, they have made some changes.“As the frequency in-store is reduced by the shopper, so fewer trips but bigger baskets, we wanted to make sure we were there presenting the opportunity to consumers,” Siwak said. He added Ferrara Candy created more individually-wrapped confections and got product to stores earlier to extend the selling season.There are still about three weeks until Halloween, and the industry expects sales to increase. Siwak says about 60 percent of the sales for Halloween candy happen in the last few weeks before the holiday.The NCA data also suggested Americans are getting more excited for Halloween in 2020. They found 80 percent believe they will find creative and safe ways to celebrate this year. The response was just 63 percent in July. 2125