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The Big Ten and Pac-12 Conferences officially announced on Tuesday that they've postponed their upcoming 2020-21 college football season, which also includes all fall sports, due to the coronavirus pandemic.Both conferences are keeping the option of playing in the spring a possibility.Pac-12 said in a press release that when conditions improve, they'll consider a return to competition for impacted sports after January 1, 2021.“All of the Pac-12 presidents and chancellors understand the importance of this decision, and the disappointment it will create for our student-athletes, the coaches, support staff, and all of our fans,” said Michael H. Schill, president of the University of Oregon. “Ultimately, our decision was guided by science and a deep commitment to the health and welfare of student-athletes. We certainly hope that the Pac-12 will be able to return to competition in the New Year.”Pac-12 Commissioner Larry Scott said that playing in a bubble wouldn't work.“Unlike professional sports, college sports cannot operate in a bubble,” he said in the news release. “Our athletic programs are a part of broader campuses in communities where in many cases the prevalence of COVID-19 is significant. We will continue to monitor the situation and when conditions change we will be ready to explore all options to play the impacted sports in the new calendar year.”In a press release, the Big Ten conference said that multiple factors, which included advice and counsel of the Big Ten Task Force, contributed to them postponing fall sports.“The mental and physical health and welfare of our student-athletes have been at the center of every decision we have made regarding the ability to proceed forward,” said Big Ten Commissioner Kevin Warren in the statement. “As time progressed and after hours of discussion with our Big Ten Task Force for Emerging Infectious Diseases and the Big Ten Sports Medicine Committee, it became abundantly clear that there was too much uncertainty regarding potential medical risks to allow our student-athletes to compete this fall."The Big Ten Conference was the first major conference to cancel fall athletics.“We know how significant the student-athlete experience can be in shaping the future of talented young women and men who compete in the Big Ten Conference," said Warren in the statement. "Although that knowledge made this a painstaking decision, it did not make it difficult. While I know our decision today will be disappointing in many ways for our thousands of student-athletes and their families, I am heartened and inspired by their resilience, their insightful and discerning thoughts, and their participation through our conversations to this point. Everyone associated with the Big Ten Conference and its member institutions is committed to getting everyone back to competition as soon as it is safe to do so.”Along with football, the Big Ten said that men’s and women’s cross country, field hockey, men’s and women’s soccer, and women’s volleyball were also canceled.“Our primary responsibility is to make the best possible decisions in the interest of our students, faculty, and staff,” said Morton Schapiro, Chair of the Big Ten Council of Presidents/Chancellors and Northwestern University President.The Big Ten hopes to play football in the spring. 3325

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

Statistics released by the U.S. Consumer Product Safety Commission on Friday claimed that 10,000 Americans were injured from firework mishaps in 2019, resulting in 12 fatalities.The agency says that 73% of the incidents occurred between June 21 and July 21. While seemingly more harmless than other fireworks, sparklers accounted for a plurality of the injuries, resulting in 900 injuries, half of those were from children under the age of 5.The CSPC said that fireworks killed at least 12 Americans in 2019, several of the deaths happened when victims held and ignited fireworks.With many local firework shows canceled or postponed this summer, there is concern over even more mishaps occurring this summer."Many Americans will not get to see the grand, professional fireworks displays this 4th of July given the cancellations of public celebrations and stay-at-home orders across the country. As an alternative, people are purchasing their own fireworks in an effort to recreate that tradition at home," said CPSC Commissioner Dana Baiocco. "The need for safety awareness regarding fireworks is greater than ever," she said, "and anyone who plans to use consumer fireworks this year should review and follow CPSC's simple safety tips to prevent injuries and incidents."The CSPC issued the following tips for a safe celebration:Never allow young children to play with, or ignite, fireworks, including sparklers. Sparklers burn at temperatures of about 2,000 degrees Fahrenheit—hot enough to melt some metals.Keep a bucket of water or a garden hose handy, in case of fire or other mishap.Light fireworks one at a time, then move away quickly.Never try to relight or handle malfunctioning fireworks. Soak them with water and throw them away.Never place any part of your body directly over a fireworks device when lighting the fuse. Move to a safe distance immediately after lighting fireworks.Never point or throw fireworks (including sparklers) at anyone.After fireworks complete their burning, douse the spent device with plenty of water from a bucket or hose before discarding the device to prevent a trash fire.Make sure fireworks are legal in your area, and only purchase fireworks that are labeled for consumer (not professional) use.For more fireworks safety tips, visit www.cpsc.gov/fireworks. 2308

TEMPLE, TX — The body of a missing Fort Hood soldier is believed to have been found along railroad tracks in Temple, Texas.The Temple Police Department says around 5:36 p.m. on Tuesday, a call was received in reference to a medical call along railroad tracks.A caller advised that a man was observed near the railroad tracks. When officers arrived, it was determined the man had been dead for some period of time.Identification found at the scene indicates the victim may be missing Fort Hood soldier 23-year-old Elder Fernandes. However, no forensic confirmation has been made at this time.Sgt. Fernandes was last seen on Monday, August 17 and reported missing on Wednesday, August 19.Temple PD says at this stage of the investigation, there is no indication of foul play. The investigation is ongoing.Justice of the Peace Ted Duffield has ordered an autopsy, and next of kin has been notified."Our thoughts and prayers are with the Fernandes family during this challenging time," Temple Police Chief Shawn Reynolds said.Temple PD is the lead agency in the death investigation. The department is working in conjunction with Fort Hood and Killeen Police Department Criminal Investigations Divisions. Temple Fire & Rescue also responded to the scene.This article was written by Sydney Isenberg for KXXV. 1314

Starting a new school year can raise challenges. Missing school days can put a child at risk academically. Chronic absenteeism – can translate into inability to master reading, failing subjects or even dropping out of high school.  The reasons may be complex but don’t worry because help is available! Why does attendance matter? 347