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TAMPA, Florida — After WFTS television station in Tampa, Florida aired a story about area mothers who recorded numerous drivers passing by a school bus with its stop sign out on U.S. 19, Pasco Sheriff's Office stepped in.Deputies blocked off the street to make sure they could stop each vehicle that drove past the bus.  343

Starting Saturday night, Tropical Cyclone Douglas will approach the State of Hawaii from the east. Increasing chances of heavy rain and strong winds could affect portions of the state beginning Sunday. It is too early to tell which islands will be impacted by #Douglas. pic.twitter.com/F8UXnpAZ7a— National Weather Service (@NWS) July 23, 2020 351

Student loan borrowers getting a break on their payments right now are seeing an additional benefit. Their credit scores are going up.The average credit score of all student loan borrowers increased from 647 in March to 656 in June, according to a report from the Federal Bank of New York.Student loans can typically have a significant impact on your credit score if you have a lot of this debt, but your payment history accounts for the biggest part of your credit score.It's important to remember this pause on payments is only until the end of the year, currently.You need to prepare now for when those payments will start again and using a higher credit score now could help.“As your score improves, if that's the case, to shop around and move other high interest debt into lower interest rate accounts, if you're qualifying for those,” said Bruce McClary with the National Foundation for Credit Counseling.It's not just student loan debt people are figuring out how to manage. The average person working with a nonprofit credit counseling agency right now is coming in with ,000 in credit card debt spread across five credit cards. That's up from last year.“There's this insular bubble right now that's still relatively intact that's keeping people a float,” said McClary. “What we're fully expecting is when that ends, when that comes to a screeching halt, if the current situation with unemployment doesn't improve much more, there's going to be a floodtide of demand for the services that we're offering.”If your student loan payments are on hold, make sure you're checking your credit score regularly.Credit counseling experts say it's not widespread, but they have been seeing some issues of payments not being reported correctly.You can check for free weekly at AnnualCreditReport.com. 1807

Starter credit cards, aimed at those who are new to credit, have been around since at least the 1970s — and they used to be much easier to qualify for.Card issuers once were able to lure young adults, particularly students, with a variety of incentives that federal regulations now prohibit under the Credit Card Act of 2009.“When you started college prior to the Card Act, you could get a Frisbee and a credit card at the same time, or a chance to win a computer and a credit card,” said Rod Griffin, senior director of public education and advocacy at Experian, a credit reporting agency.Credit card eligibility requirements are stiffer now, especially amid the COVID-19-related downturn, as banks tighten lending standards to mitigate risk. It all adds up to more obstacles for those seeking to start the clock on their credit history. About 20% of the U.S. adult population doesn’t have a scorable credit file with the three major credit bureaus, according to a report by the Consumer Financial Protection Bureau.Still, qualifying for a starter card is not impossible, and more options exist today.Eligibility for starter credit cardsThe same CFPB report also notes that credit cards are the most common way to establish a credit file for all income levels and age groups.But age matters in terms of your eligibility for a starter card.IF YOU’RE UNDER 21Applicants generally have to be 18 to apply for a credit card on their own. Applicants under 21 can only report independent personal income, including regular allowances. If you’re a student, you may also report scholarships and grants.“I got the Discover student credit card on the first try,” said Karumi Narasaki, a 20-year-old student based in Indiana and creator of the YouTube channel Rumi’s Life. When she applied for the card, she says she included part-time income from two jobs and school aid received to cover books, rent and food.IF YOU’RE OVER 21Once you turn 21, income restrictions loosen slightly. You can include any income to which you have reasonable access, such as the income of a partner or a spouse, for instance. Income is still a necessary requirement to demonstrate your ability to make payments on borrowed amounts. Other requirements may also exist, depending on the card.If you can’t meet the income requirement at any age, a co-signer could help you build credit with a credit card. You’ll get your own credit card and account, but the co-signer assumes responsibility for the bill if you can’t pay it. Not many issuers allow co-signers on credit card applications these days, but there are still some that do.Types of starter cardsThe ideal starter card should have no annual fee and report your payment history to the three major credit bureaus: TransUnion, Equifax and Experian. These bureaus compile the credit reports that form the basis of your credit scores.Creditors review your credit scores to determine the likelihood that you’ll pay them back. A good FICO credit score of 690 or higher can make it easier to get an apartment, set up utilities and access better interest rates on credit cards or loans, for example.Starter card options may include:AUTHORIZED-USER CARDSCredit cards for authorized users are tied to a primary cardholder’s account. You are issued a card with your name on it, but the primary cardholder is responsible for making the payments. If that person uses his or her credit card wisely, it could reflect well on your own credit history, but double-check with your issuer.“It’s still recommended if you’re going to become an authorized user that you ask the lender if they actually report the account for you,” Griffin said. “If they don’t, it’s not going to help you build a credit history.”SECURED CARDSSecured credit cards are easier to qualify for because they require a cash deposit as collateral, reducing the risk to the issuer. The deposit amount usually determines your credit limit.With a good payment history, you eventually get your deposit back when you close the account or upgrade to a traditional “unsecured” credit card with the same issuer.STUDENT CREDIT CARDSStudent credit cards may require enrollment at a college or university. They also may require that you have at least some existing credit history. You can find exceptions, though.Some student cards may even pack helpful, student-friendly features like waived late payment fees or incentives. Rewards on student cards are uncommon, but some options exist.“I also considered applying for a secured card initially, until I found out there’s a Discover card,” Narasaki said. “It had cash back, which is unlike any of the other cards that I looked up, so I thought it was a pretty beneficial card and it had a lot of perks.”ALTERNATIVE-UNDERWRITING CARDSAlternative-underwriting credit cards have joined the market in recent years with some game-changing approaches. Most of these cards don’t charge a security deposit, and many can use factors other than the traditional FICO scoring model to assess your creditworthiness.If you don’t have a credit history, issuers of these cards may instead look at your employment, income, spending or savings to determine your ability to pay. As a result, they may require government-issued documents, bank account information, employment verification requirements and other details as part of the application process.In some cases, you may not even need a Social Security number to apply, which is helpful for newcomers to the U.S. who have limited options.Starter card alternativesEven with more starter card options on the market, the eligibility requirements may still leave some applicants out. But credit cards aren’t the only way to build a credit history. Some services make it possible to report certain bill payments to the credit bureaus to establish a credit file.For instance, rent-reporting services can record rent payments on credit reports for a fee. Experian Boost records cell phone and utility payments on Experian credit reports for free.You can also consider applying for a credit builder loan.More From NerdWalletIf Credit Card Relief’s a No-Go, Check Out Debt ManagementFor Homeowners, Saving a Down Payment Is Only the Start6 Great Recession Money Lessons That Still Apply TodayMelissa Lambarena is a writer at NerdWallet. Email: mlambarena@nerdwallet.com. Twitter: @LissaLambarena. 6346

Tall people are at a greater risk of cancer because they have more cells in their body, new research has suggested.A person's risk of developing cancer increases by 10 percent for every 10 centimeters (4 inches) they are over the average height, the study said, because they have more cells which could mutate and lead to cancer.Average height was defined in the study as 162cm (5 feet, 4 inches) for women and 175cm (5 feet, 9 inches) for men.The findings match with previous research, which has also connected height to an increased risk of developing a range of health problems including blood clots, heart problems and diabetes.Leonard Nunney, a professor of biology at the University of California Riverside, analyzed previous sets of data on people who had contracted cancer -- each of which included more than 10,000 cases for both men and women -- and compared the figures with anticipated rates based on their height.He tested the hypothesis that this was due to the number of cells against alternatives, such as possible hormonal differences in taller people, which could lead to an increased rate of cell division.A link was found between a person's total cell number and their likelihood of contracting cancer in 18 of the 23 cancers tested for, the study says.The research also found that the increase in risk is greater for women, with taller women 12 percent more likely to contract cancer and taller men 9 percent more likely to do so. Those findings matched with Nunney's predicted rates, using his models, of 13 percent for women and 11 percent for men.Colon and kidney cancer and lymphoma were among the types of cancer for which the correlation was strongest."We've known that there is a link between cancer risk and height for quite a long time -- the taller someone is, the higher the cancer risk," Georgina Hill from Cancer Research UK told CNN."What we haven't been sure of is why -- whether this is simply because a taller person has more cells in their body, or whether there's an indirect link, such as something to do with nutrition and childhood," added Hill, who was not involved in the study.She said the study provides good evidence of the "direct effect" theory that the total number of cells does indeed cause the link."The methodology is good - they took data from large studies, which is important, and they looked at lots of different categories of cancer."But she noted that the increase in risk of developing cancer is small compared to the effects that lifestyle changes can have."It was only a slightly higher risk and that there are more important actions that people can take to make positive changes, [such as] stopping smoking and maintaining a healthy weight," she said.Two of the types of cancer tested for, thyroid cancer and melanoma, were found to be more susceptible to an increase in risk than expected, and Nunney suggested in the study that other factors could be at play in those cases, such as geography."There are no obvious reasons for these exceptions, although the author speculates that cell turnover rates may come into play for melanoma," Dorothy C. Bennett, director of the Molecular and Clinical Sciences Research Institute in London told CNN. Bennett, who was not involved in the study, explained that pigment cells, the source of melanoma, divide and are replaced a little faster in taller people."But I cannot at present think of any reason why this [faster division] should be so, but nor any other clear reason for the higher correlation with height," Bennett said. 3548

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