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2 minors dead, at least 10 injured in crash involving stolen police car

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Two children are dead and at least 10 people injured Monday night in Dayton, Ohio, after a suspect who fled the scene of a stabbing in a stolen police cruiser crashed into multiple parked vehicles outside of a library.

CBS affiliate WHIO-TV reported that at least seven children are among the injured, and at least three people sustained life-threatening injuries in the crash. The suspect was also taken to the hospital for treatment but remains in custody.

Police told WDTN that the incident first began shortly after 7 p.m. local time after receiving reports of a stabbing in Dayton. The suspect fled the scene in a vehicle, and authorities then responded to calls of an accident in Riverside, Ohio, after the suspect crashed into a tree, at which point the suspect stole a Riverside police cruiser and initiated a high-speed chase.

Police pursued the suspect until he crashed into at least three parked vehicles outside of a public library in Dayton. WHIO-TV reported that seven children were inside a van that was involved in the crash, according to Denorris Hopgood, a witness at the scene who attempted to help the injured.

“I jumped out and did my best to get as many children out of the van as I could,” he told WHIO-TV. The news outlet reported that “one child severely injured, another pinned between a door and a seat,” per Hopgood’s description.

Riverside police told WDTN that two officers involved in the incident were also being treated for injuries.

This incident comes in the same month as a tragic mass shooting that left 9 dead and more than two dozen wounded in a popular night life area in Dayton.

This story is developing. We will update as more details become available.



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How to get a bank loan: Get a personal loan from your bank

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Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. We may receive a small commission from our partners, but our reporting and recommendations are always independent and objective.

how to get a bank loan

To get a bank loan, make sure you have a plan to pay it back.
Bloom Productions / Getty Images


  • If you want to apply for a bank loan, the first thing you’ll need to do is check your credit.
  • Then, you’ll need to find out whether your bank offers personal loans. Generally, to get a bank loan you’ll need to be an existing customer with good credit.
  • If your bank does offer loans, you’ll need to assemble your paperwork, get clear on the terms of the loan, and make sure you have a plan to pay it back.
  • If your bank doesn’t offer loans — or even if it does — you may want to get quotes for comparison from online lenders, which have fewer regulations and can base their offers less on your existing credit and more on your ability to repay.
  • Visit Business Insider’s homepage for more stories.

Whether it’s a personal loan to purchase a car, consolidate debt, finance a business or make home improvements, applying for a personal loan from a bank can be a way to build your credit and pay for what you need.

To get a personal loan from a bank, you’ll generally need to be an existing customer with good credit, says Jamie Young, personal finance expert at Credible, an online loan marketplace. 

“If you bank with Chase, Bank of America, or Capital One, you’ll have to look elsewhere — they don’t offer personal loans,” says Young. “Goldman Sachs Bank offers an online application process through its Marcus brand, and it’s also easy to request rates from SunTrust Bank’s online lending division, LightStream.”

Note that banks face more regulations than online lenders, so “as a result, they have the strictest lending standards,” says Priyanka Prakash, lending and credit expert at Fundera. “Online lenders are a lot more flexible. They place less importance on credit and more importance on your ability to pay back a loan. That means income is paramount.”

Interested in seeing what an online lender could offer? Consider these options from our partners:

Or, you can use a personal loan marketplace like Credible to request rates from multiple lenders at a time.

How to get a bank loan

1. Check your credit score

If you’re beginning the loan process for the first time, start by getting your credit score.

You can check it for free at any time at sites like Credit Karma, Credit Sesame, and Credit.com. You don’t need a perfect credit score of 850 to get a loan, but lenders see your credit score as an indication of your trustworthiness as a buyer and adjust their offers accordingly — so the higher your score, the better.

2. If something looks amiss, pull your credit report

Your credit score is three-digit shorthand for the information contained in your credit report, which monitors all of your credit-related activity. According to the Federal Trade Commission, you’re entitled to one free copy of your credit report every 12 months from each of the three nationwide credit reporting companies: Experian, Equifax, and TransUnion.

Note that there are plenty of opportunities to pay for your credit report, but annualcreditreport.com is the best place to get your report for free (or call 1-877-322-8228). Be prepared to provide your name, address, Social Security number, and date of birth to verify your identity.

2. Know that loans can actually boost credit scores

If you are looking to take out a loan to consolidate credit card debt, or pay debt down faster, it can help in more ways than you may realize.

“Taking out a personal loan to pay down high-interest credit card debt can boost your credit score by lowering your credit utilization ratio,” says Young. “That’s how close you are to hitting your limits on your credit cards. Try not to use more than 30% of your limit on any card.”   

In addition, If you haven’t taken out an installment loan like a car loan before, adding a personal loan to your credit mix can boost your credit score. “That’s because your credit mix makes up 10% of your credit score,” she says.

3. Understand that there are types of personal loans

There are two types of personal loans: secured and unsecured.

Unsecured are loans which aren’t supported by collateral, like personal assets or a house. A bank evaluates whether to grant you the loan based on your financial history and credit score.

If you don’t qualify for an unsecured loan, lenders also offer secured options, which may be leveraged against assets or accounts you have at the bank, or something more tangible, like a house or car. Mortgages, home equity loans, and auto loans are considered secured loans, since you’re putting up collateral.

Remember that if you take out a secured loan using your home, your car, or something else as collateral, you run the risk of losing whatever you’ve leveraged should you become unable to pay your loans.

Most any lender that offers unsecured loans, including banks and credit unions, will also offer secured loans.

4. Make sure your bank offers personal loans

As Jamie Young from Credible said above, to get a personal loan from a bank, you’ll generally need to be an existing customer with good credit. Some banks don’t offer personal loans, so you’ll want to find out what your bank does offer.

If your bank doesn’t offer loans — or even if it does — you may want to get quotes from online lenders, which have fewer regulations and can base their offers less on your existing credit and more on your ability to repay. Online lenders can be an alternative to bank loans, or a basis for comparison.

After you’ve checked rates offered by online lenders, see if your bank will offer you a better deal.

5. Get your paperwork in order

One of the most challenging parts about getting a bank loan is the amount of documentation that’s required as part of the process.

“Getting a bank loan can take weeks, even months. The main reason it takes so long is that you have to submit a bunch of paperwork,” says Prakash from Fundera.  

The nature of the paperwork will vary based on the type of loan you’re applying for, but in general, you can expect to need:

  • pay stubs/proof of income
  • the last couple years of tax returns
  • documentation of 401(k)s and other financial accounts
  • photo ID
  • rent/mortgage history
  • proof of collateral, if you’re pursuing a secured loan

It’s a good idea to get these basics in order before applying for the loan, in order to speed up the process.

6. Try and get preapproved

Although it’s not a solid guarantee, preapproval is when a lender extends an unofficial offer on a loan, pending full approval.

In this instance, preapproval will tell the borrower what loan amount, terms, and repayment schedule they will likely qualify for in advance. Also, a preapproval acknowledges that the borrower has met the bank’s general eligibility requirements.

The process usually includes an application and a credit history evaluation, and while it’s a worthwhile step to take, it’s not a guarantee that the bank will extend those exact terms when it comes time to issue a loan.

7. Know the terms

Personal loans are installment loans, which is when you borrow a fixed amount of money and pay it back with interest in monthly installments over the life of the loan.

The terms of the loan are in months and can range from 12 to 96 months. When you complete the loan terms, that loan is considered closed. If more money is needed, you must reapply for a new loan.

8. Make a plan to pay it back

Once you get your loan, make sure you have a plan to pay it back. How much will you owe per month? Do you plan to pay the minimum required, or to make extra payments and pay it back more quickly? When is the payment due?

Consider setting up automatic payments from your checking account once your paycheck clears, or calendar reminders to make sure you never miss a due date.

“Your payment history makes up 35% of your credit score,” says Young from Credible. “If you continue to make on-time payments and reduce your total amount of debt, your credit will improve” — and the next time you want to borrow money, it will be easier.

Considering an online lender instead of a bank? Take a look at these offers from our partners:



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MrBeast: Life and rise of 21-year-old YouTube star Jimmy Donaldson

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MrBeast was born on May 7, 1998 as Jimmy Donaldson. He grew up in eastern North Carolina in the city of Greenville, and graduated from a private high school there in 2016.

Greenville, South Carolina


Cvandyke / Shutterstock


Source: Business North Carolina

However, he was only 13 years old when he uploaded his first video to YouTube back in February 2012 under the username “MrBeast6000.” For the first few years, MrBeast attempted, unsuccessfully, to master the YouTube algorithm by creating the content he thought would attract the biggest audience. “If it gets the most views, it’s because people click on it and I want to give them what they want,” MrBeast later said.

mrbeast youtube 2015

MrBeast in a video in 2015
MrBeast/YouTube


Source: Newsweek, Casey Neistat on YouTube

In late 2016, MrBeast enrolled in college, although the details of his higher education are hard to come by. The YouTuber later said he lasted only two weeks in college before he dropped out, telling his mom: “I’d rather be poor than do anything beside YouTube.” His mom made him move out of his North Carolina childhood at 18 “because she loves me and just wanted me to be successful,” MrBeast wrote on Twitter in November 2019.

mrbeast donation


MrBeast/YouTube


Source: MrBeast on Twitter

By December 2018, MrBeast had given out $1 million through his outlandish stunts, earning him the title of “YouTube’s biggest philanthropist.” MrBeast is a product of his own viral content: He’s only able to give out these thousands of dollars thanks to six-figure brand deals to fund in-video ads.

mrbeast jimmy donaldson


MrBeast/YouTube


Source: MrBeast on YouTube

However, MrBeast’s success hasn’t come without controversy. In 2018, The Atlantic unearthed a series of old, since-deleted tweets from MrBeast in which he uses homophobic slurs and the idea of being gay as a punchline for jokes. At the time of the article, his Twitter bio read: “just because I’m gai doesn’t mean I’m gay.” MrBeast defended himself as “not offensive in the slightest bit in anything I do.”

mrbeast


MrBeast/YouTube


Source: The Atlantic

MrBeast was one of the most-viewed creators on all of YouTube in 2019. He’s accrued more than 10 million views on every video he’s uploaded in the last year, displaying just how successful he is at going viral. His net worth isn’t publicly available, but outlets have estimated it stands around $4 million to $6 million, with millions more made that he gives away in his videos.

MrBeast


MrBeast/YouTube


Source: Business Insider, MrBeast on Twitter, Tuko



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Boris Johnson could face another hung parliament as poll lead halves

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  • The United Kingdom could be headed for another hung parliament.
  • YouGov’s highly-anticipated MRP poll published on Wednesday says the Conservatives’ lead over Labour has more than halved in two weeks.
  • It gives Boris Johnson’s party a majority of 28 seats, down from 68.
  • However, the findings are within the margin of error.
  • This means that Britain could end up with a bigger Conservative majority or another hung parliament when voters go to the polls on Thursday for the general election.
  • Visit Business Insider’s homepage for more stories.

Boris Johnson’s lead over the Labour party has halved and is now within the margin of error of another hung parliament, according to massive new polling model which correctly predicted the outcome of the last general election.

YouGov’s highly-anticipated MRP projection, published on Wednesday night, puts Boris Johnson’s Conservatives on 339 House of Commons seats, 20 fewer than the leading pollster gave the party at the end of November.

Jeremy Corbyn’s Labour Party is on 231 seats, 20 more than it had in YouGov’s MRP projection last month. The Liberal Democrats are on 15 and the Scottish National Party are set to win 41 of the 59 seats on offer in Scotland.

The findings, based on responses from 105,621 voters across the United Kingdom, suggest Johnson in course to win a parliamentary majority when Brits go to the polls on Thursday.

However, they also find that his lead over Labour has shrunk significantly over the last fortnight.

YouGov’s MRP projection, which correctly indicated a hung parliament at the 2017 general election, gave the Conservatives a 68-seat majority at the end of last month. Its updated projection gives the party a majority of 28.

YouGov on Wednesday said that its findings were within the margin of error, meaning it could not rule out a hung parliament or indeed a large Conservative majority.

Here is the result of YouGov’s final MRP poll:

  • Conservatives — 339 seats (43%)
  • Labour — 231 seats (34%)
  • Scottish National Party — 41 seats (3%)
  • Liberal Democrats — 15 seats (12%)
  • Greens — 1 seat (3%)
  • Brexit Party — 0 seats (3%)

Jeremy Corbyn

Labour Party leader Jeremy Corbyn.
Reuters


Labour shores up its ‘red wall’

YouGov’s poll suggests Labour is regaining support in its traditional seats which are being heavily targeted by the Conservatives.

Johnson’s party has set its sights on Brexit-voting seats across the north of England the Midlands amid swathes of research showing that voters there are drifting away from the Labour Party.

One of these is Workington, in the northwest county of Cumbria. YouGov gives Labour a two percentage point lead over Conservatives here after putting the Tories one percentage point ahead at the end of last month.

Labour is also clinging onto West Bromwich East, formerly held by the party’s ex-deputy leader, Tom Watson, according to YouGov.

However, a number of Labour-held seats in those areas are still projected to go to the Conservatives. That list includes long-standing Labour seats like Don Valley in Yorkshire and Barrow & Furness in Cumbria.

Party leader Corbyn is set to address rallies in the northeast of England and London on Wednesday ahead of polls opening for the general election on Thursday morning. 



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