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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

When it comes to real estate transactions, some cities are seeing record sales and prices.For real estate broker Kim Dozier, business is booming.“The real estate market is on fire if you’re priced right,” she said.Dozier is the broker of the real estate company 4 Walls That Fit. While she’s looking to close as many deals as possible, her personal protection is paramount.“It’s so scary,” she said of showing properties. “You open up a door, it’s empty, you’re vulnerable.”In an attempt to help create safer work environments for real estate agents across the country, September has been deemed National Realtor Safety Month.“This actually started in 2015,” said Dr. Jessica Lautz of the National Association of Realtors. “There was a very unfortunate incident, a realtor was actually murdered in Arkansas.”Lautz says this year, nearly a quarter of her group’s members reported being in a fearful situation while at work. While less than 1% were actually physically harmed, she is offering advice to stay safe.“Meet someone beforehand, even have a virtual conversation,” she said. “Take a separate car to a listing presentation but then always let people know where you are.”For brokers like Dozier, they’re taking these tips and putting them into practice.“There’s pepper spray,” she said. “And you’re letting people know where you’re going and what you’re doing.”She says while making a sale is important, safety comes first.“Is it worth it to jeopardize your life for another deal,” she asked. 1505

While the vast majority of us only get to vote for one candidate on the ballot, voters in Maine are allowed to vote for multiple candidates.Maine's unique election process was approved by voters in 2016. Although this might sound like a strange way of voting, the process allows for “instant runoffs.” Election officials continually eliminate the last-place candidate until there are only two candidates left or a candidate receives a majority of the vote.For instance, if your first choice is eliminated, your second choice becomes your vote until that candidate is eliminated or is declared the winner.On Tuesday, the Maine Supreme Judicial Court ruled against a GOP-led initiative that attempted to delay the use of ranked choice voting in the presidential election. The court struck down a lower-court ruling.The process had already been used in the primary and the 2018 midterm. Governor Paul LePage protested the results from the 2018 election, and threatened not to certify the results. In Maine’s House District 2, Democrat Jared Golden won the election despite not receiving a plurality of first-choice votes. Golden ended up garnering a majority after two independent candidates were eliminated.Maine is also unique as it is only one of two US states that divvy up Electoral College votes based on congressional districts. While the winner of Maine’s statewide vote automatically garners two Electoral College votes, the state’s other two votes are given to the candidate who wins within a congressional district.In 2016, Hillary Clinton won the state’s overall vote, but failed to win both of the state’s congressional districts, which resulted in Donald Trump taking one of the state’s four Electoral College votes.For this year’s election, while the Maine’s first congressional district is expected to lead Joe Biden to a statewide victory, the second district is expected to be a tight race. 1915

What once was considered a childhood hobby has becoming a way to earn extra income as an adult.The business of trading, buying and selling sports cards is booming.“Cards that used to be worth to are now selling well upwards of 0,” said Mike Fruitman, owner of Mike’s Stadium Sportscards in Aurora, Colorado.He says sports cards are more popular than ever and compares buying the card of an athlete to buying stock in a company.“We had a card that got pulled last night, it featured autographs from R.J. Barrett and Zion Williamson and we anticipate it’s going to be a ,000 card,” Fruitman said.While many businesses are suffering during the pandemic, Fruitman says this industry is seeing some of its biggest sales since the pandemic began, especially once they moved online.“We had a lot of people who were bored who were looking for entertainment,” he said. “We were going online every day during COVID and our viewership was impressive. We were getting views that we never seen before.”Though buying sports cards in person is still profitable, Fruitman says fewer cards are becoming available.“The amount of people who are opening up card stores or becoming breakers, it’s all just taffy,” he said. “And that taffy is just getting slowly apart. Everybody getting less and less it seems.”Card collectors believe the future of this industry depends on part of the popularity.“Right now, you’ve got videos of Mark Wahlberg opening up boxes with his kids,” Fruitman said. “Steve Aoki is a very large, popular DJ, has opened up his own sports card trading store in L.A.”For now, sports cards are combining entertainment and economics with no signs of slowing down.“It depends on how much you can invest,” one collector said. “But yeah, there’s plenty of money to be made.” 1791

When scrolling through your Instagram feed, there's a good chance you've seen photos of friends posing in front of giant works of art on the sides of buildings. These colorful murals are a great way for an artist to make a name for themselves. But beyond that, the murals can be great for a neighborhood and its businesses.Tracy Weil is midway through his latest project: a 125-foot long mural in Denver’s River North Arts District.Murals like Weil’s do more for a neighborhood than add a splash of color to an otherwise dull brick wall."It can really kind of give an identity to a neighborhood, which I think is pretty fantastic,” says Weil. “If there’s not a lot of people there, not a lot of restaurants, what the murals do is they start to draw people. And they start to draw business."That’s exactly why the events center and nightclub behind the freshly-painted wall hires artists like Weil."I think it’s a great way to bring attention, to not just your specific business maybe, but to a neighborhood, to a region," says Andrew Feinstein, owner of EXDO Events Center and Tracks nightclub. “Regardless of what murals cost, it’s absolutely the right investment."And it’s an investment that's paying off, particularly when it comes to presence on social media. John Beldock, owner of a local motorsport store and body shop, says their mural of Evel Knievel has seen its share of Instagram tags."Branding-wise, it really adds to what people think about us," says Beldock.“It’s exiting to be a part of it; it makes a great selfie or Facebook profile pic or Instagram post,” says Weil. “And people really get into it.” 1631