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CLEVELAND — Who’s been at a store buying holiday gifts and then the cashier asks, “do you want to sign up for our credit card today?” They might offer a discount or something else, but should you sign on the dotted line?“They make it easy. They really make it easy,” Leanne Smith said.Smith is from Solon and knows how stores can tempt you with their credit cards, but she’s sticking to her Target Red Card for now.“I don’t think it’s a responsible thing for me to have one at every store,” she said.Tedd Rossman from CreditCards.com said that if you ever plan on carrying a balance, store cards aren’t going to be the best option for you.“While sometimes these store cards can work for you, most of the time, they’re not the most consumer-friendly option,” Rossman said.That’s because Rossman says the average store credit card has an interest rate of 25%, some as high as 29.99% such as Discount Tire, Big Lots and jewelry store cards like Kay Jewelers.“These cards are not as selective about credit quality, which is why the retailers and their bank partners say they have to charge such high-interest rates,” Rossman said.CreditCardInsider.com recently rated various popular store cards based on various things like interest rates.Here are those results:Target - 24.4%Old navy - almost 26% (25.99%)Walmart - roughly 18-27% (17.99%-26.99%) interestNathan Grant from CreditCardInsider.com said you shouldn’t just sign-up at the checkout on a whim even if there’s a discount offered or cashback incentives.“The percentage of interest you’re paying might end up calculating to be more than what you got from spending on the cards,” Grant said.According to Grant, some of the better retailer cards are:Amazon prime cards with lower interest rates—5% back on Amazon purchases and gift cards when you sign up. Target—higher interest rate, but 5% back. And the only one rated excellent is Costco’s card, which has a 15% rate and various cash back options and good rewards on gas purchases.But keep this in mind: In a survey of nearly 3,000 shoppers nationwide, more than 40% said they regretted signing up for a retail credit card. Plus, one out of five in the survey said they carried a balance from the last holiday season, and more than 50% said they’ve paid interest on a retail store card.“That’s kind of like a wake-up call even to myself to be like I got to make sure that I’m always smartly shopping if I’m using credit cards,” Grant said.For Smith, she said she’s only carried a balance a couple of times in the past 20 years because she knows “if you can’t pay it, you really shouldn’t buy it just because you have a credit card.”Retail credit cards can give you benefits especially if you’re loyal to the business. It could help you build credit, but you’ll want to pay off your balances every month and spend responsibly.And another thing to watch out for is deferred interest. Even if you owe just one dollar by the time the term ends, you could end up paying interest on the entire amount you initially financed.This story originally reported by Jonathan Walsh on News5Cleveland.com 3102

CORONADO, CALIF. (KGTV) - The Mayor of Coronado is turning heads for an op-ed he recently penned.Mayor Richard Bailey wrote a several hundred word submission for the Voice of San Diego this week titled, ‘It's Time to Put Roads Over Transit.’Citing SANDAG’s figures, Bailey says more than 50 percent of local transportation dollars are spent to move just 3.5 percent of commuters while roughly 13.5 percent of funs are spent on roads and highways.He also points to relatively stagnant public transportation ridership rates while traffic congestion balloons in San Diego County.“I can't foresee us moving people around on fixed routes on large empty buses and also really expensive trolley lines,” said Bailey, “I think people are going to be looking for more nimble solutions such as a autonomous vehicles and ride share options.”Transit advocates say shifting funds from public transportation as Bailey suggests would have a negative impact on those who already use it.“About 64,000 households in the San Diego County area don't have a car and it’s just absurd to think that we're going to take away their primary means of transportation,” said Colin Parent, executive director of Circulate San Diego.Parent agrees with Bailey that the ridership figure is small but says the answer is growing that figure, not stifling it by shrinking its budget.SANDAG will vote later this on its multi-decade regional transit plan. 1429

CINCINNATI -- U.S. Customs and Border Protection officers intercepted a shipment containing nearly 6 pounds of liquid heroin packaged in shampoo bottles earlier this month.The package was listed as "massage oil," authorities said in a news release. It was shipped from Morelos, Mexico and was being sent to a home in the Bronx, New York when officers intercepted it at a cargo facility in Cincinnati on Oct. 11.The same day, officers also found four shipments of cocaine, each more than 4 pounds, being shipped from various Central American countries to people in West Virginia, Pennsylvania and New York, Customs and Border Protection said in a news release."These types of seizures exemplify our officers' dedication to the CBP mission of intercepting dangerous and illegal narcotics," Joshua Shorr, the Cincinnati port director, said. "I commend our officers and specialists for the work they do every day to make our communities safer." 948

CORONADO, Calif., (KGTV)— Coronado residents are split on whether a fenced-in, off-leash dog park would be a welcome addition, next to a childcare facility and the Coronado School District building. The district office is located on 6th Street, just east of Naval Air Station North Island. Coronado’s famous dog beach is where dogs can be dogs: run freely on the sand, splash around, and play with their humans. But soon, something similar could be coming about a mile north on the island. Last week, the Coronado Unified School District and the City of Coronado announced that they are negotiating changes to their Facilities Joint Use Agreement. A portion of the 3/4 acre grassy area, between the district office and the childcare facility on 6th Street could be converted into a fenced-in dog park.“I think a lot of the homeowners and parents were blindsided by this,” Emily Foster said. Foster lives across the street.  The mother of three small children believes having a portion of the grass become a dog park would be unsanitary.“We’re concerned about run-off through the shared sprinkler system of animal waste,” Foster said. “We’re concerned about fleas and ticks.” With a smaller space, Foster believes her kids will not be able to play like they once did. No more Jog-athons. No more parachutes. No more fun.“It’s the only grassy area where Village Elementary kids have for PE and recess,” Foster said. “Everything has been replaced by blacktop or artificial turf.”The school district’s proposal explains that the dog park will only be one-third of the entire green space, about one-quarter of an acre, with the entrance on the school district side. A double fence will separate the children's green space from the dog park. Plus, the City of Coronado will contribute ,000 to the district every year to maintain the area. That money will go directly back to Coronado kids.“If the elected officials of the school board didn’t think this was in the best interest of the students, I don’t see that they would be doing this,” Holidais Moreira said. Moreira has been working for two years to get a fenced-in dog park in the city, especially for her 13-year-old rescue, Happy Kapi. Kapi’s joints are not what they used to be, so the dog beach is not an option. A ride to the Cays dog park is not far. But she said she would rather take her dog to a dog park that is fenced-in.The district is now asking Council for a one-year trial period to evaluate the use of impact on the community.“Every park allows children. Not every one allows dogs,” Moreira said. “As a resident and a taxpayer, I see no reason why those of us who have dogs should not have the same rights as the other people who have kids and think those parks should be only reserved for children.” “People of Coronado want a dog park, a safe place that their dogs can run and play,” Foster agreed. “But we should look at other options in the city where that can happen, where it’s not a detriment to the children.”The Coronado City Council will be discussing the issue at their next council meeting on Tuesday, August 21 at 4 pm. 3193

Consumers can consider many factors when evaluating an airline, but getting you where you’re going on time, not losing your checked bag, and giving you no reason to lodge a formal complaint seem like decent baselines.Fortunately, the government requires the nation’s largest dozen commercial airlines to report statistics on just those things.The Air Travel Consumer Report, released by the Department of Transportation, measures not only performance of major U.S. airlines such as American Airlines, Delta Air Lines and United Airlines, but also regional carriers such as ExpressJet and SkyWest, which are contracted to fly short routes to and from hubs of those big airlines. Here’s how airlines measured up in 2017, according to the report.On-time rates 784

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