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SUN CITY CENTER, Fla. — A Hillsborough County grandmother is exclusively telling Scripps station WFTS in Tampa about her incredible story of survival. "It was just shocking my whole entire insides, like my whole entire body," said JoAnne Cyr. Cyr was draining water outside the back patio of her Sun City Center home when Tuesday's storms rolled in.  373

Sun Valley Foods is recalling ready-to-eat beef and chicken taquitos and chimichangas products containing diced green chilies due to concerns that the products may be contaminated with extraneous materials, specifically hard plastic.The hard plastic may pose a choking hazard or cause damage to teeth or gums.The frozen RTE meat and poultry taquitos and chimichangas items were produced by Ajinomoto Foods North America, Inc., and are sold under brand names including Great Value, Casa Mamita and José Olé.The FDA said the following products, sold nationwide, were recalled:19.2-oz. carton containing 16 pieces labeled as “Great Value Flour Chicken Taquitos Tortillas Stuffed with All White Chicken Meat & Monterey Jack Cheese” with a best if used by date of “11 JUL 2021” and “P5590” printed on the side panel.20-oz carton containing 20 pieces labeled as “CASA MAMITA BEEF TAQUITOS ROLLED IN CORN TORTILLAS” with a best by date of “26 JUN 2021” and “EST 5590” printed on the side panel.22.5-oz carton containing 15 pieces labeled as “CASA MAMITA CHICKEN AND CHEESE TAQUITOS ROLLED IN FLOUR TORTILLAS” with a best by date of “26 JUN 2021” and “P5590” printed on the side panel15-oz. carton containing 15 taquitos labeled as “JOSé OLé TAQUITOS CHICKEN AND CHEESE POLLO Y QUESO IN FLOUR TORTILLAS” with a best by date of “08 JUL 2021” or “18 JUL 2021,” and “P5590” printed on the side panel.20-oz. carton containing 20 taquitos labeled as “JOSé OLé TAQUITOS BEEF CARNE DE RES IN CORN TORTILLAS” with a best by date of “08 JUL 2021” and “EST 5590” printed on the side panel.22.5-oz carton containing 15 taquitos labeled as “JOSé OLé TAQUITOS CHICKEN AND CHEESE POLLO Y QUESO IN FLOUR TORTILLAS” with a best by date of “09 JUL 2021,” “14 JUL 2021” or “17 JUL 2021” and “P5590” printed on the side panel.55.5-oz carton containing 37 taquitos labeled as “JOSé OLé VALUE PACK TAQUITOS CHICKEN AND CHEESE POLLO Y QUESO IN FLOUR TORTILLAS” with a best if used by date of “15 JUL 2021” and “P5590” printed on the side panel.60-oz. carton containing 60 taquitos labeled as “JOSé OLé TAQUITOS BEEF CARNE DE RES IN CORN TORTILLAS” with a best if used by date of “9 JUL 2021” or “10 JUL 2021,” and “EST 5590” printed on the side panel.5-oz. individual plastic bag containing “JOSé OLé CHIMICHANGAS LOADED BEEF NACHO” with a best by date of “15 JUL 2021” and “EST. 17417” printed on the label.The products bear the establishment number “EST 5590,” “P5590” or “EST. 17417” printed on the packaging above the expiration date.Ajinomoto Foods North America, Inc. identified pieces of hard plastic in their production process and in a barrel of diced green chilies that was received from their ingredients supplier, Sun Valley Foods. Sun Valley Foods initiated a recall of the green chilies with the FDA.There have been no confirmed reports of adverse reactions due to consumption of these products. Anyone concerned about an illness should contact a health care provider.FSIS is concerned that some product may be in consumers’ freezers. Consumers who have purchased these products are urged not to consume them. These products should be thrown away or returned to the place of purchase.To learn more about the recall, click here.This story was originally published by staff at WTKR. 3276

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

Taylor Swift is spreading the wealth this holiday season and helping some of those struggling to make ends meet during the coronavirus crisis.The pop star donated ,000 to two mothers who’ve fell behind on rent and other bills amid the COVID-19 pandemic, according to multiple reports.NBC News and Billboard report that Swift decided to donate to the struggling mothers’ GoFundMe pages after reading about their situations in an article by The Washington Post.One of the mothers, Nikki Cornwell, told The Post that she was ,000 behind on rent and she feared that she’d be evicted right after Christmas. The Nashville-based mom says she lost her factory job in March and came down with COVID-19 in May. She had been receiving 5 a week of unemployment, but that just ended.According to Cornwell’s fundraising page, Swift donated to her on Wednesday and wrote that she’s brave for sharing her story.“I'm so sorry for everything you've had to go through this year and wanted to send you this gift, from one Nashville girl to another. Love, Taylor,” wrote Swift with her donation.The second mother, Shelbie Selewski, lives in Macomb County, Michigan. She told The Post that she was ,100 behind on rent and utilities after losing her job as a medical receptionist. In order to make ends meet, the mom says she had to sell some of their belongings.Along with their financial troubles, Selewski told The Post that her new baby was born with a collapse lung, which puts the child at high risk for COVID-19.Like with Cornwell, Swift donated to Selewski through a crowdsourcing page.“No one should have to feel the kind of stress that's been put on you. I hope you and your beautiful family have a great holiday season. Love, Taylor,” wrote Swift. 1753

Tesla CEO Elon Musk said he may be willing to buy one of the plants General Motors is planning to close if the automaker is willing to sell the property to him."It's possible that we would be interested. If they were going to sell a plant or not use it that we would take it over," he said in an interview on "60 Minutes."GM announced late last month that it was planning to shut down five plants in North America next year including the Detroit Hamtramck assembly and Warren transmission plants.A plant in Lordstown, Ohio, is also scheduled to close.Tesle actually bought a plant jointly owned by General Motors and Toyota back in 2010 for million. It is now one of the company's main production facilities. 730

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