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Personal loans are often reserved for those with the best credit scores, but there are other options to borrow money if needed. Using a credit card, getting a payday alternative loan from a credit union, or borrowing from family or friends are all options if you're not able to get cash through a personal loan. Use them after you've searched your personal loan options and have used your emergency fund. Consider shopping around with a few different lenders before deciding that a personal loan won't work, and dip into emergency savings before getting a loan. If you've searched around for a personal loan to cover your debts and can't find one for you, here are three alternative options.

☆ Pacific Life Insurance Names New Tech Chief From USAA
▼ + stars: | 2022-11-16 | by ( Belle Lin | ) www.wsj.com time to read: +3 min

She replaces Mike Shadler, who has served as CIO since 2018 and plans to retire at the end of the year, a spokesperson for the life insurance company said. She will report directly to Pacific Life Chief Executive Darryl Button. Still, many life insurers aren’t meeting customer expectations in terms of speed of service and method of communication, said Ted Epps, Global Life Insurance Technology Leader at Ernst & Young. Insurance technology is “the convergence of modern digital experiences and advice with proven products,” Mr. Epps said. Prudential Financial Inc. is using more digital and cloud-based tools for managing expenses and financial planning, chief financial officer Ken Tanji told The Wall Street Journal in February.

☆ Mysteries: ‘Swann’s War’ by Michael Oren
▼ + stars: | 2022-10-21 | by ( Tom Nolan | ) www.wsj.com time to read: 1 min

Michael Oren’s thriller “Swann’s War” takes place on the small New England island of Fourth Cliff, “a world utterly cut off from the real one.” It’s 1944, and World War II still rages. In charge of keeping the peace is Mary Beth Swann, who serves as the island’s de facto police captain while her husband, Archie, fights overseas. For the past two years the island has held a camp for Italian POWs. The prisoners, a mostly congenial lot, are well-tolerated by the locals and encouraged to take work on the docks. But one morning, fishermen find the corpse of one of the Italians in their nets; the man has been strangled and then dumped in the sea.

☆ A South Carolina mom who never pays for toothpaste or toilet paper shares the free app everyone should have to save money
▼ + stars: | 2022-09-15 | by ( Mary Beth Gahan | ) www.businessinsider.com time to read: +4 min

Hayley Bennett runs @that_coupon_chick, an Instagram page focused on coupons and deals, and recommends Ibotta as her favorite app. Everything was expensive and I was trying to find a way to save as much money as I could. I thought I was just going to use coupons here and there, save a little bit of money. Then I realized just how much this could really impact people and how much money you really could save. There's one app I recommend getting right awayI use a multitude of apps, but if anyone was going to get just one app, get Ibotta.

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