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But there is one thing she loves even more."Patrick Mahomes," Reese said.While she roots for her favorite quarterback, her mom said she is always begging to watch makeup videos or even do her makeup."She was watching me do my makeup. She has done that for years. She is an observant, curious kid," said Nicole Wallace, Reese's mom.Last Friday, while all the kids were home from school because of the ice storm, the mother-daughter duo wanted to make a video for the upcoming game."We have this whole day. Let's do a tutorial in honor of our team and our favorite player, Patrick Mahomes," Wallace said.While Mahomes doesn't wear makeup, he is known for his hair and headbands.Wallace posted the video of Reese on 715

– a school selected to be the epicenter of a national effort – to bring more diversity into the American agriculture workforce. “When we bring together more diverse teams, we know from solid research that those teams innovate better, they’re more profitable, they create more ideas, and they’re better at solving big, sticky problems,” said Kristin Kirkpatrick. Kirkpatrick is the Executive Director of 404

Your phone can do so many things for you nowadays. From making payments at the cash register to searching social media, the world is in the palm of your hands. But Siri can also be on your side in case you get pulled over by the cops.The feature is called "Police" and it is available via the Siri Shortcuts app. It secretly allows you to record interactions with police by just speaking a command to Siri like, “Hey, Siri. I’m being pulled over by the police.”“I think it’s a tool that citizens need in order to make police accountable,” said retired Detroit police officer turned attorney, David A. Robinson.The new Siri shortcut is available for Apple iOS 12 devices. It allows you to secretly record conversations between you and law enforcement.“What we have seen are video captures of police officers losing it, irrationally starting confrontations with citizens,” Robinson said.Once the app receives a verbal command, it goes into "do not disturb" mode. It automatically turns down brightness, pauses sound or video and can send a message to a pre-selected contact, letting them know you’ve been pulled over.“Police go to an academy as to how to deal with citizens, and so to suggest that (the app) is manipulating an officer, that really doesn’t make sense,” Robinson said.He adds that the app would have been good to have during the 2016 confrontation between Philando Castile and a Minnesota police officer after Castile was shot by the cop. Castile's girlfriend recorded the whole thing as he died in the front passenger seat.“What was captured in the video, and so the video evidence becomes that more important,” Robinson said.Some say the app is controversial, but there are similar police-recording apps like "ACLU Blue." Robinson says law enforcement should use the app as a tool. “That would stifle his reaction to make him do the rational thing, the right thing, the legal thing, then that prevents harm to him and prevents harm to the citizen,” Robinson said.The ACLU says it is legal to record officers in public, and police are not allowed to delete your footage, confiscate or demand to view your video footage without a warrant. 2189

on Tuesday that she is cancer free, marking the fourth time she has beaten cancer. According to CNN, Ginsburg has resumed an active role in oral arguments during hearings. Ginsburg is one of the four liberal justices on the nation's highest bench. Ginsburg is the second-most experienced member of the Supreme Court, serving as a justice since 1993. Justice Clarence Thomas has been on the Supreme Court since 1991. Last year, Ginsburg recovered from surgery to treat lung cancer. Later in the year, Ginsburg discovered a tumor on her pancreas, which she had treated in August. 579

Your credit card issuer can lower your credit limit at any time, regardless of how well you manage your account. Issuers might cut credit limits to minimize risk in an uncertain economy, as many cardholders have experienced during the COVID-19 pandemic in 2020. Or they may do it when cardholders regularly use what the issuers see as too much or too little of their available credit.Credit card companies determine your credit limit by evaluating several factors, like your credit score, your income, the available credit you already have and how much of that existing credit you’re using. Ultimately, though, they can increase or decrease limits whenever they want.When can a credit card issuer reduce my credit limit?Although credit card issuers can lower your limit at any time, they are most likely to do so when:You use too much of your available credit: When a cardholder regularly maxes out their credit limit or carries high balances, credit card issuers may view it as a sign of financial trouble. As a result, they may cut your credit limit going forward to minimize their own risk. This is especially true if you start paying late or missing payments.When the card is inactive or seldom-used: The company that issued your credit card makes money only if you use the card. (That money comes from transaction fees and, if you carry a balance, interest.) If you rarely use it, the issuer may be inclined to reduce your limit and, effectively, allocate that available credit to someone else who’s more likely to generate income for the issuer. If you let your card sit for too long without using it at all, your issuer might close your credit card entirely, leaving you with a potentially damaged credit score and no card to use.When the economy is uncertain: Credit card issuers have been known to reduce credit limits to minimize their risk when the economy is uncertain. Most issuers cut credit limits during the Great Recession, according to a survey by the Federal Reserve. They also did so in response to the COVID-19 economy.Can credit card companies lower your credit limit without notice?Credit card companies are not required to notify you about lowering a credit limit unless it will lead to an over-the-limit fee, which is unlikely since many issuers no longer assess this fee. In most cases, credit card companies are required to notify you 45 days ahead of time about any changes to your account’s terms and conditions, but this is one exception.Though credit card issuers aren’t obligated to notify you about a credit limit decrease, it’s common for them to do so. If you do receive such a notice, it might include a reason why the issuer trimmed your credit limit. You might even be able to ask to keep your current credit limit, depending on the reason for lowering it.Can I avoid credit limit reduction?You might be able to avoid a credit limit reduction, but it will likely depend on your issuer and your track record on managing your credit. The best attempt at avoiding one is to contact your issuer as soon as you learn that your credit limit is changing. You have nothing to lose by asking the company to consider keeping your prior credit limit.If you’re on the brink of maxing out your credit card or you’re using a lot of your available credit, it may be more difficult to persuade your issuer to leave your credit limit alone. Cardholders whose limits were slashed due to inactivity may have better luck.Act fast to contact your credit card issuer as soon as you get notice, if you get any. If you wait too long, you might have to undergo a credit check to get a credit limit increase, and there’s no certainty that you’ll get bumped back up to your previous amount.Will a decreased credit limit affect my credit score?A lower credit limit can affect your credit score if it materially changes your credit utilization ratio, the percentage of your available credit you’re using. Utilization is a key factor in your credit score. A rule of thumb is to use less than 30% of your available credit.Even if a reduced limit pushes you over that percentage, the effect doesn’t have to be permanent. Stay on track with payments and get your debt down, and your credit can recover.More From NerdWallet6 Credit Card Scams and How to Avoid ThemIs It OK to Never Have a Credit Card?Today’s Definition of Financial Adulthood Is More Flexible Than EverMelissa Lambarena is a writer at NerdWallet. Email: mlambarena@nerdwallet.com. Twitter: @LissaLambarena. 4485

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