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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

CLEVELAND — Scientists at the Cleveland Clinic Lerner Research Institute have successfully reversed Alzheimer's disease in mice.According to a news release, the researchers reversed the formation of harmful plaque in the mice's brains by gradually reducing an enzyme called BACE1, improving their mental function.“To our knowledge, this is the first observation of such a dramatic reversal of amyloid deposition in any study of Alzheimer’s disease mouse models,” says Riqiang Yan, one of the scientists on the team. The study raises hopes that drugs aimed at this same enzyme will soon be able to treat Alzheimer's disease in humans. You can read the full study in the Journal of Experimental Medicine here. 735

Comedian Jay Leno is making his way back to television.Next fall, Leno will host the revival of the comedy show "You Bet Your Life," Fox Television Stations announced in a press release."We need a familiar face to make us laugh, and we are incredibly proud and excited to reinvent this renowned franchise with the enormously talented Jay," stated Jack Abernethy, CEO, FOX Television Stations in the press release.Comedy legend Groucho Marx was the host of the legendary show more than a half-century ago."I'm thrilled to be hosting the latest version of 'You Bet Your Life,' Leno said. "One of my favorite things to do is talk to regular people and draw humor out of them. This is a comedy show wrapped in a game show that allows me to do just that."The reboot will consist of two strangers trying to win prize money by correctly answering questions about pre-determined categories, the media company said.Two pairs of contestants will participate in each episode.The last time Leno appeared on TV was when he hosted "The Tonight Show" from 1992 to 2014.The show will be broadcasted on FOX. 1098

CORONADO, Calif. (KGTV) -- A man's peaceful visit to Coronado's Dog Beach turned into one of major concern when he saw boat debris lining the shore.Todd Tremelling feared the dogs and marine life would eat the materials. Tremelling was at Dog Beach over the weekend when he saw a boat stuck along the fence that separates the public part of the beach from Naval Air Station North Island.The boat is one of about a dozen abandoned boats that have washed ashore due to storms. On Saturday, he saw a crew from the base removing the boat with a backhoe."They were using the bucket to beat it into a million pieces, or probably 10 million," said Tremelling, who regularly takes his two dogs to the beach. When he returned on Sunday, he saw the shoreline was lined with boat debris, including wood paneling, fiber glass, and foam that lined the hull. Tremelling filled a bucket with the debris before an animal could eat it. "They need to do a better job," said Tremelling, of the removal. Sandy Duchac, a spokeswoman for Naval Air Station North Island, said crews follow strict procedures when removing the boats. "At the end of the day we do everything we can to remove the debris from the boats that people allow to come ashore," she said. "There's very little we can do about teh debris that ends up on the Coronado side."Duchac said the Navy has removed about a dozen boats that washed ashore after storms in the last year. It's almost impossible to identify the owners because the boats are often abandoned and the ownership information has been removed.It costs taxpayers about ,000 to remove each boat.  1646

CORONADO, Calif. (KGTV) -- A 21-year-old sailor died after falling from the USS Nimitz Friday night. According to U.S. Naval Air Forces, the sailor fell from one of the ship’s aircraft elevators. The USS Nimitz was in port at Naval Air Station North Island. The 21-year-old suffered serious injuries from the fall and died Saturday morning, according to the Navy. The name of the sailor hasn’t been released at this time and the nature of the accident is under investigation. A sailor from USS Nimitz passed away early this morning from injuries sustained in an accident aboard ship last night. The sailor fell from one of the ship’s aircraft elevators in a down position. The accident is under investigation.— flynavy (@flynavy) September 28, 2019 757

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