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LAS VEGAS — Right now, many recent high school graduates are facing a tough question — is it worth it to take on tens of thousands of dollars in debt to attend college during a pandemic?The irony of building credit is that it requires taking on debt — and no one wants to take on debt, especially during the pandemic. But according to one credit expert, there are some simple financial moves that parents can make right now to set up their kids for future financial success.Building credit isn't priority number one for kids, but it could open or close a lot of doors down the road."Good credit can make things easier for you in the future, whether it's securing loans, credit cards with better terms and rates. It might even help your ability to land a job or a desirable apartment," said Nathan Grant, a senior credit industry analyst at CreditCardInsider.com.Grant says that even though kids can't open their own bank account until their 18, parents can start teaching kids about credit long before that, perhaps with a prepaid card."Many of those allow for monthly direct deposits. So, you could have their allowance loaded directly on their card, and that could, at an early age, give them a way to understand budgeting and using a card that has a limit on it to teach them better spending habits," Grant said.Then, as children approach adulthood, Grant says that parents should consider making them an authorized user on a family credit card. Even if parents are not ready to let kids make purchases and payments on the card, Grant says just making them an authorized user will help them build credit."Many credit card issuers offer this, and most issuers report the account's activity in the authorized user's name, whether or not they are actually using the account. So, you can add them as a user and not give them access. It will hopefully build their credit up right out of the gate," Grant said.When kids are ready for their own cards, parents shouldn't just pick the shiniest piece of plastic. Grant says a secured credit card could be a safer option for someone with little or no credit."It uses a refundable security deposit that you fund yourself to fund the account's credit limit, upon approval," Grant said. "So, there's less risk on the issuer's part. So, for somebody who is new to credit or doesn't have any credit history, that could get your foot in the door.Grant said he couldn't offer advice either way on whether grads should pay for college with credit. But he said that anyone that decides to take a "gap year" should try to pay off any existing debts and save for the future.For those that do decide to go attend college, Grant has some general advice."The best rule of thumb, on top of just general responsible use, is just try not to use your credit card for purchases you know you won't be able to pay off before that monthly due date," he said. "Not spending beyond your means, that's going to be more valuable in your college years than ever."For more ways to boost your credit score, click here.This story was originally published by Ross DiMattei on KTNV in Las Vegas. 3114

LAKESIDE, Calif. (KGTV)- The search for the missing 12-year-old girl, who authorities believe drowned in San Vicente Reservoir, continues. According to San Diego Police, the girl’s family is from Canada visiting a local couple for the weekend.  267

LEMON GROVE, Calif. (KGTV) -- A work trailer slammed into a home, nearly hitting a girl holding her baby sister in East County Monday afternoon. Just before 1 p.m. Monday a trailer filled with debris at a home under construction started rolling down the Palm Avenue in Lemon Grove. “It sounded like a crash at first,” said Abigail Jimenez, who was inside the home at the time of the crash. “I was inside and laying down in the couch and I hear some noise and something was beeping and it pushes my couch and my baby sister was with me,” Jimenez added. Fortunately, no one inside the home at the time of the crash was injured. The building inspector had to yellow tag the house, saying enough damage was done to the home to limit the family’s access. I was scared after I found what happened because it pushed us and I didn't know if it was a dream or not but thank God that we didn't get hurt or anything,” Jimenez said. 929

Leonard Harrison tells everyone he meets to call him by his nickname, Country.“We've come to Lake Charles to see who we can help,” he said.Country came with "Goliath," his personal high-water vehicle, which can make its way through 5 feet of water and into areas hit hard by storms.“When I come in, I can literally rescue 18 at once, get everybody in the truck and drive them all out," he said. "Get them to safety and get back in and get 18 more."He’s part of the U.S. Veterans Corps and drove 14 hours from his home in North Carolina to support the so-called Cajun Navy, a nonprofit group of boat owners who began rescuing people after Hurricane Katrina.“That's what the Cajun Navy is known for,” he said.Now, they’re here for hurricane Laura, with storm damage that residents in this corner of Louisiana are just coming to grips with.There are some things that don’t mix: hurricanes, trees, and power lines. The damage is all over southwest Louisiana and it could be weeks before some people get their power back.Yet, that isn’t stopping some residents like Deitrick Broussard from trying to see if they can come back before then.“I was trying to rush and come and see the damage,” Broussard said, who evacuated with his pregnant wife.We followed Broussard as he looked around his home for the first time since Hurricane Laura hit.His relief was palpable.“I thought it was going to be worse,” Broussard said. “I don’t see any damage. I'm happy, so far. I just don't know what's inside there. But, yeah I'm happy it stood up. That’s great.”For many, though, getting back up on their feet will take a while. The long clean-up process is only just beginning. 1666

Las Vegas magician and resident headliner Penn Jillette is claiming he heard President Donald Trump make "racially insensitive remarks" during his time on the show "Celebrity Apprentice."Jillette, who has performed in Las Vegas for 25 years, appeared on the reality television show in 2012. Jillette's revelation happened during an interview with Vulture.He stopped short of confirming details of Trump's alleged comments, specifically the claim that the President used the N-word during the production of the show.Jillette also said that the two hours that he spent with Trump every day was like "ten minutes with fingernails on a chalkboard."He also confirmed that there are tapes that confirm President Trump made the comments.White House Press Secretary Sarah Sanders has said that she can't guarantee that the tapes won't reveal Trump used the word.13 Action News reached out to Jillette for a comment. His spokesperson replied: 946

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