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A cyber security company is concerned with Amazon’s upcoming Prime Day shopping event.Check Point Research found a significant increase in the number of website domains registered using the words “Amazon” and “Prime.” More than a quarter are considered malicious, and one in ten suspicious.“The user may not realize it’s a fake website, because hackers usually do a really good job of imitating the look and feel of the website they're trying to come off as,” said Maya Levine, security expert at Check Point.Check Point says look for the little "lock" icon next to a website's address and also check for the additional letter “s” after “http.” Those both indicate a reliable site.“This is just something that is making the website a little more secure, so if you're seeing http without the s, that means you're missing that added layer of encryption, that added layer of security,” said Levine.Don't overshare online. You should never have to enter your birthday or social security number to buy something. You should also avoid public Wi-Fi when shopping and reset your Amazon password before you shop Prime Day sales.“If your password for one account got leaked and it’s the same one as your Amazon account, a hacker can take that and test it out,” said Levine.Also be leery of emails or texts about Amazon Prime Day or any events in general. Links often take you to malicious sites. It’s always best to open the app or go to the website yourself. 1458

A Bulgarian man has been detained in Germany over the killing of journalist Viktoria Marinova, Bulgarian Interior Minister Mladen Marinov said Wednesday.Authorities cannot yet say whether or not Marinova's murder in the northern Bulgarian city of Ruse was linked to her work as a broadcast journalist, according to Bulgarian Chief Prosecutor Sotir Tsatsarov.The man has been charged in his absence with rape and murder, Tsatsarov said.A European arrest warrant was issued for the Bulgarian man after his DNA matched evidence collected from the crime scene, Marinov told a news conference.A spokeswoman for the Interior Ministry told CNN the 21-year-old suspect had been arrested close to the northern German city of Hamburg.Bulgarian authorities are requesting his extradition, she said. They are awaiting a DNA analysis to confirm his alleged involvement, she added. 875

A Colombian woman who had lost contact with her family about two years ago, was found floating more than a mile off the coast by fishermen, according to media reports.Video of her rescue has gone viral. Rolando Visbal shared the dramatic rescue video on his Facebook page. 280

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 Charlotte County, Florida mom was arrested Wednesday morning after she accidentally ran into her son in the drop-off area of the Port Charlotte High School parking lot.According to the Charlotte County Sheriff's Office, 49-year-old Nadine Williams has a suspended license and gave false identification at the scene.  Williams' son was taken to the hospital with minor injuries.Deputies said they found Williams had a suspension for unpaid traffic fines and a failure to maintain insurance. They also said they found a citation for driving without a license just days before the incident Wednesday morning. When deputies asked her about the suspension, they said she told them she knew she was suspended, but she had to drive because it wasn't "like I'm murdering or raping."  815

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