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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

Where and how Americans work has forever changed because of COVID-19. If you have the type of job that can be done remotely, you can do it wherever you can find internet.Some are taking the opportunity to work from new and exotic locations. As we all approach the fall, parents are realizing that kids can learn from anywhere too.When the pandemic hit, and everyone went remote, David Wells and his girlfriend hatched a plan. It was time to leave Brooklyn.“It’s a wonderful place, that said it’s an urban metropolis and we are people who love to be outside and Idaho is a different type of location that offers various outdoor activities that are important to us,” Wells said.So, they left. After all, all they really need is an internet connection.“The traditional work day has totally changed with our present situation and it’s taken some time to get used to it,” Wells said. “The ability to work remote and see new parts of the country and it makes you happier and ultimately a more productive employee.”Now, they fish, horseback ride, explore and hike. They've even taken up archery.“We’ve hiked in the Tetons, we’ve horseback with a number of outfitters, we’ve taken day trips to other cities like Ashton in St. Anthony. We saw the dunes in St. Anthony,” Wells said.All while keeping their day jobs.“They understand as long as you’re present and you have internet access that you’re able to do whatever it is you need to do, whether you’re in an office or remote,” Wells said.Property managers say it's a trend they're seeing a lot of.“The 30-day rental used to be more of a unicorn than it is now,” Danessa Itaya, president of Property Management Inc., said.PMI has 260 franchises across the United States.“We hear from our franchisees that they’re getting these 2-3 month rentals, but they’re asking for upgrading internet so I can work remotely (and) how easy can I access the grocery store and the beach,” Itaya said.San Antonio, Texas, Austin, Texas, Naples, Florida, and Idaho are destination hot spots.“Driggs, Idaho, is a feeder into Yellowstone, into Jackson Hole, Wyoming, and they’re regularly looking at 1-3 month rentals. You don’t usually get that, especially in Driggs, Idaho,” Itaya said.Now, as fall approaches, the other inquiry is about school, and internet bandwidth to support both distance learning and remote employees.“They need high-speed internet which is not common,” Itaya said. “You don’t normally get that request from a vacation rental. They need reliable internet and they need cleaning services and laundry services so they’re looking for longer stays.”Proof that people are finding the coronavirus quarantine as an opportunity to do something you would otherwise never do.Wells and his girlfriend are planning on making it a tradition. 2783

When you hear “self-care,” you might think of mani-pedis, relaxing facials, or soothing massages. But with millions of people struggling to make ends meet during this pandemic, practicing “financial self-care” is important, too.Rachelle Beazley of Detroit was working in sales for a food broker when COVID-19 first hit back in March.“I was lucky I didn’t lose my job – my full-time job – but I did lose my three side hustles,” said Beazley.She was a dog-sitter, an overnight nanny, and taught workshops on making hand-knitted blankets.“I think immediately with the pandemic, it was a strain. Like, oh my gosh. I’m not going to have all these financial streams coming in – this extra revenue,” Beazley recalled.She’d just started working with Ann Arbor financial therapist Lindsay Bryan-Podvin – who advises people dealing with financial anxiety to practice five steps of “financial self-care.”Start Emergency FundBryan-Podvin said the first step is starting an emergency fund – even if you’re only adding a few dollars at a time.“I know a lot of viewers are going to be like, ‘Lindsay, I don’t even have time to think about an emergency fund. I’m just trying to make ends meet.’ Any time you can scrap away ten-dollars here, 30-dollars there, it again just gives you a little bit of peace of mind that if something were to happen, you’re not totally at zero in that bank account,” she said.Bryan-Podvin advised Beazley to add up her essential expenses and multiply by three – making that amount her new emergency savings goal. Anything over that would go towards paying off debt.Insurance, Will & TrustHer number two recommendation is to set up life insurance – if you don’t have any already – along with a will and trust.This is particularly important if you are married and have kids in the home under 18.“I would say get your life insurance first, and then get your will and trust in place,” Bryan-Podvin said.“That 20, 30, 40-dollars a month can provide out a benefit of anywhere from a quarter-million-dollars to a million dollars. So that again is that peace of mind.”Explore a Side HustleThe third step is to explore a side hustle or new ways to make some extra money.“A lot of us might be taking jobs that we might be over-qualified for, or we might be picking up some odd jobs here and there just to make ends meet,” said Bryan-Podvin.She said you need to remember that the situation you’re in now will get better. “Going back to that mantra of this is temporary,” she explained.If you’re looking for ideas, think of the sectors of the economy that are doing well right now.Food delivery services, tutoring, even COVID-19 compliance consultants – a good opportunity for furloughed health care workers Bryan-Podvin explained.Give To OthersIf you are one of the fortunate ones still working during this health crisis, Bryan-Podvin said you may be experiencing Financial Survivor’s Guilt.So, her number four step with financial self-care is to give to others -- volunteer, donate, help someone in need. Even small gestures can go a long way in lending support while also making yourself good knowing you’re doing something to help during this pandemic.“if you’re in a financially stable situation, practicing some gratitude, saying I’m thankful that I have some income coming in and how can I give back to my community in other ways,” Bryan-Podvin said.Lean On CommunityHer fifth suggestion for practicing financial self-care is to lean on community – whether it’s taking turns meal prepping or entertaining the kids in your “pandemic pod.”“It’s about opening up your house safety to a handful of other people who you know are already practicing safe behaviors to get some additional help.”Back to Rachelle Beazley.She took the money she’d previously spent on gas and dining out and saved enough for her emergency fund and paid off two loans.Then, she leaned into a side hustle!She started a new business hosting virtual wellness retreats for women.“I’m not sure if my parachute is going to open just yet but I have to believe in what I’m passionate about,” said Beazley.Beazley quit her day job on September 1, 2020, to start working on her business – Aloe and Alchemy.Her next virtual retreat is October 17.As for financial self-care– Lindsay Bryan-Podvin said you can re-order her five steps to suit where you are in your life.This story was first reported by Alicia Smith at WXYZ in Detroit, Michigan. 4423

While political pundits pontificate about Tuesday’s election results, thousands of high school students around the country will have been hard at work forecasting their own.In a March Madness-style round-robin challenge, students pick states they think will go Democrat or Republican, filling out their own electoral map and entering it among thousands of others in the FANschool Challenge.“It’s something fun. It’s something different that the kids can kind of get a little competitive about,” said high school government and economics teacher Gerald Huesken. “[It’s] friendly academic competition.”Huesken helped start the challenge along with two other colleagues four years ago as the country was gearing up for the 2016 election between Donald Trump and Hillary Clinton. Several of his students correctly predicted the Trump victory despite polls reflecting a different outcome. Back then, he says, it was only something for his class to do as they take what they learn in their civics and apply it to real-life situations, but now, it has exploded into an online format used by hundreds, if not thousands, of teachers across the country, says Huesken.“Right now, we’re looking at the different data from NBC, ABC, stuff like that [to guide our knowledge],” said Huesken. “It’s saying it’s looking pretty good for Joe Biden, but we thought that going into 2016.”Students get to draft states in a fantasy football format. They then learn about what is important to their voters, research news articles and polls, and then predict what they think will happen in 2020 based on what they find, putting together their minds and entering the bracket in a nationwide challenge for prizes.“I have both Florida and Ohio going Republican this year and giving Trump some votes,” said Mason, a junior in Huesken’s class who did not want to use his last name. “I also have Michigan going to Biden, leading him to a pretty comfortable victory.”Mason says the challenge has taught him how different regions of the United States approach different issues and how voting patterns change among different demographics.“If you asked me in 20 words or less why do you teach this course, it’s really because I feel like high school students, whether or not they’re voters, look at our political system and our political institutions and feel like they have no agency,” said Chris Stewart, a social studies teacher at a high school in St. Paul, Minnesota. Stewart helped start the challenge alongside Huesken and used it to helped formulate his fantasy politics course that he only offers during election years as a way to make the electoral process more relatable to many students who are not able to engage in the political process because they are not old enough to vote. 2764

With California hospitals dealing with an extreme number of patients, nurses are terrified of what’s next.It comes as California hits 2 million infections just 44 days after reaching 1 million. Hospitals in California have been pushed to the brink, and it’s expected to get worse as people travel and gather for Christmas and New Year’s.The state is urgently searching for 3,000 temporary medical workers to meet the demand, focusing on nurses trained in critical care. Hospitals are also confronting the shortage by trying to free up staff any way they can, including postponing certain medical procedures.The state has also temporarily loosened some restrictions. Typically, California requires one nurse for every two ICU patients. Regulators have temporarily relaxed that requirement to one nurse for every three ICU patients.The state has sent more than 600 temporary healthcare workers to hard-hit counties from the National Guard, the California Health Corps, and other partnerships, but officials are still looking for more.State officials have even started reaching out to other countries like Australia and Taiwan to get much-needed medical workers.Elected leaders and health officials across the U.S. are asking people to stay home for the holidays while also trying to show the public that the COVID-19 vaccines trickling out to health care workers and nursing home residents are safe.The Associated Press contributed to this report. 1453