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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

With hurricane season in full swing, there's a lot of talk from meteorologists about hurricane "categories." What do they mean, and what do they tell us about a storm?It turns out, a hurricane's category is only based on one thing: wind speed.According to the National Hurricane Center's website, the agency relies on the Saffir-Simpson Hurricane Wind Scale to determine a storm's strength. The scale categorizes a hurricane on a 1-5 scale, based on the storm's maximum sustained winds — the one-minute average of the wind speed taken from inside the storm.When storms over the Atlantic begin to organized into a rotating system around a central "eye," and sustained wind speeds in the storm reach 39 mph, it's classified as a tropical storm. Once wind speeds in the system reach 74 mph, it becomes a hurricane.From there, the NHC uses the Saffir-Simpson Scale to determine how much destruction a hurricane is expected to inflict on an area. While any hurricane is expected to cause damage to homes and topple some trees in its path, higher wind speeds can lead to trees blocking roads and downing power lines, isolating communities without power or access to water for weeks — or even months.STRENGTHMAX SUSTAINED WIND SPEEDDESTRUCTION CATEGORY 1Between 74 mph and 95 mphWell-constructed houses could have damage to roof, shingles, vinyl siding and gutters. Large branches of trees will snap and shallowly-rooted trees may be toppled. Extensive damage to power lines and poles likely will result in power outages that could last a few to several days. CATEGORY 2Between 96 mph and 110 mphHouses could sustain major roof and siding damage. Many shallowly rooted trees will be snapped or uprooted and block roads. Near-total power loss is expected with outages that could last from several days to weeks. CATEGORY 3 (major)Between 111 mph and 129 mphHouses may incur major damage or removal of roof decking and gable ends. Many trees — regardless of root depth — will be snapped or uprooted, blocking roads. Electricity and water will be unavailable for several days to weeks after the storm passes.CATEGORY 4 (major)Between 130 mph and 156 mphHouses can sustain severe damage with loss of most of the roof structure and possibly some exterior walls. Most trees will be snapped or uprooted and power poles will topple. Fallen trees and power poles will isolate residential areas. Power outages will last weeks to possibly months. Most of the area will be uninhabitable for weeks or months.CATEGORY 5 (major)Above 157 mphA high percentage of framed houses will be destroyed, with total roof failure and wall collapse. Fallen trees and power poles will isolate residential areas. Power outages will last for weeks to possibly months. Most of the area will be uninhabitable for weeks or months.Any hurricane that reaches Category 3, with sustained winds above 111 mph, is considered a "major" hurricane. According to the NHC, that's because "of their potential for significant loss of life and damage." But that doesn't mean Category 1 and 2 hurricanes can't be deadly.The NHC itself says that Category 1 and 2 hurricanes are "still dangerous" and "require preventative measures."While Hurricane Sandy peaked at Category 3 intensity when it made landfall in Cuba in 2012, it had collapsed into a post-tropical cyclone by the time it reached New Jersey on Oct. 29. Even though the storm only had Category 1 strength winds, it still resulted in the deaths of 131 people in America, according to media reports, and an estimated billion in damages — the second-costliest hurricane in U.S. history up to that point.The Saffir-Simpson Scale also doesn't take into account storm surge in coastal areas and flash flooding caused by the surge and heavy rain. Flooding can cause significant property damage and make main roads — including expressways — inaccessible. 3864

While many have people lost their jobs over the past few months, for some people, the COVID-19 pandemic caused a scenario that made it easier for them to find work. Lashaunda Garner is one of those people.“In my situation I was out of work for 16 years,” said Garner.After nearly two decades, Garner found a work-from-home job at the start of the pandemic.“As soon as I got the job, I was like ‘oh my gosh, I can do something past my disability,’” she added.Garner suffers from severe PTSD and anxiety, which makes it difficult to work in a traditional work environment.“In my case, there are certain sounds, certain smells and things that trigger your depression and when I am at home, I can limit those things,” said Garner.While work-from-home options were previously limited. During forced business closures and stay at home orders, the U.S. saw a surge in work-from-home jobs, especially call center positions.“The pandemic struck, and all of the call centers had to send their agents home. This was worldwide. This was something that never happened before,” said Alan Hubbard. “Some of the agents that were sent home in India, the Philippines and China didn’t have the physical infrastructure in order to do those jobs.”Hubbard is with the National Telecommuting Institute (NTI), which helps people with disabilities work from home. In Garner’s case, it had already helped her setup a home office and everything needed to work from home when the surge happened.“You hear people say, ‘you aren’t your job’ right, but for a lot of people, that is how they identify themselves,” said Hubbard. “That they are working, that they are productive. That is the opportunity that we try to provide.”Garner is just one example out of many people with disabilities who have been able to find work-from-home jobs and thrive in that environment over the past few months.Since the beginning of the pandemic, NTI has had a significant increase in companies come to them for help finding workers. They have four times as many available jobs to fill and have actually been able to place nearly 200 people in work-from-home jobs in the last six weeks. When, typically, it places about 50 people a month.“That is what the pandemic has done. It has opened up this opportunity for these folks,” said Hubbard.Hubbard is currently working with a dozen companies looking to hire another 240 people.Lashaunda is thriving in her current role and hoping her story inspires not just other people with disabilities, but the millions looking for work right now.“Do the best you can and fight for what you want,” said Garner. “It may take you, hopefully not 16 years, but you will end up getting it.” 2681

White House chief of staff John Kelly was interviewed by special counsel Robert Mueller's team in recent months, three people with knowledge of the matter told CNN.Kelly responded to a narrow set of questions from special counsel investigators after White House lawyers initially objected to Mueller's request to do the interview earlier this summer, the sources said. Kelly is widely expected to leave his position in the coming days and is no longer on speaking terms with President Donald Trump, CNN reported earlier Friday.Kelly is the latest high-ranking White House official known to provide information for Mueller's investigation, though his interview marks a departure of sorts since Kelly didn't join the White House until July 2017. Most of the dozens of other interviews have been with people who were associated with the Trump campaign, were part of the transition or served in the early part of the administration.The Mueller questions to Kelly centered on a narrow set of issues in the investigation of potential obstruction of justice, chiefly Kelly's recollection of an episode that took place after new reporting emerged about how the President had tried to fire Mueller. The President was angry at then-White House counsel Don McGahn about what had been reported by The New York Times. McGahn had refused to publicly deny the reporting. The special counsel wanted to try to corroborate McGahn's version of events.The White House counsel's office had initially fought the Mueller request. One source familiar with the matter said that Emmett Flood wanted to make sure "ground rules" were negotiated."In order to question a government official about things that happened during the course of government business, you've got to show that it's highly important and you can't get it anywhere else," the source said.The source noted that the Kelly request came at a sensitive time, following raids of the home and office of Michael Cohen, the President's now-former lawyer.The resistance to Kelly doing an interview represented a key turn by the President and his attorneys who had previously allowed the special counsel to interview current and former White House staff and handed over hundreds of thousands of documents.The-CNN-Wire? & ? 2018 Cable News Network, Inc., a Time Warner Company. All rights reserved. 2339

While millions of Americans tuned in to watch the first presidential debate between President Donald Trump and Democratic presidential nominee Joe Biden, data shows the event will likely not impact the final outcome of the election.The first of three presidential debates was held Tuesday night in Cleveland, Ohio.NewsChannel 5 Political Analyst Pat Nolan said the first debate always brings high stakes for the candidates and high interest from voters."This is probably the biggest opportunity for both candidates to get in front of voters and convince them they are the right person," said Nolan.While people tuned in to hear what both candidates had to say, Nolan said polls show the debate ultimately won't sway voters."I think people have decided, I like Donald Trump and I will vote for him, or I like Joe Biden, I will vote for Joe Biden and they won’t change their minds," said Nolan.The debate was held in Ohio, which is considered a swing state. Nolan said while the number of undecided voters may be smaller in the current polarizing political climate, winning those votes matters and can make a difference in swing states.While both President Trump and Biden presented their plans for the country and tried to energize supporters, Nolan said many were watching for a viral moment that could make or break either candidate."It's like any big event, when you are up on the stage and the bright lights are out there, anyone can make a mistake."There are still two more debates coming up in October. The second presidential debate will be Oct. 15 in Miami, and the final debate will be Oct. 22 at Belmont University in Nashville.This story was first reported by Emily Luxen at WTVF in Nashville, Tennessee. 1722

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