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buried under snow a mile away from their car, police say.Detectives say 74-year-old Richard Alexander, and his wife, 79-year-old Elizabeth Alexander, likely died of hypothermia.Neighbors Mike and Diane Haas found the couple Friday. They say they saw two figures as they left their house around 1 p.m.. As they approached, they hoped for the best.“He wondered if they were sleeping, so he got out and yelled at them and they didn’t respond,” Diane Haas said.“I said 'Sir, sir!' And of course they didn’t respond," Mike Haas said. "It came pretty obvious pretty quick, their skin color and other details that they were deceased. So we immediately called 911 and made sure not to touch anything."Detectives with the Yavapai County Sheriff’s Office said the Alexanders lived nearby. Their car got stuck last week in a storm that dumped 10 inches of snow on Ash Fork.“Eventually they decided to leave their vehicle,” Mike Haas said. “They were headed to our house we believe. But 100 yards short."The YCSO says a preliminary finding shows no evidence of foul play.For the Haases, it is emotional to think the couple was suffering so close, while they were celebrating Thanksgiving.“It’s sadness,” Mike Haas said. “You wish you could’ve helped. You could’ve saved a life perhaps. Maybe two lives.”According to the Haases, they found Richard Alexander laying on top of his wife, possibly trying to keep her warm.“It’s terrifying to think that she might’ve been alive under her husband,” Mike Haas said.The Haases say the tragedy is a reminder to always be prepared during extreme weather.“If they hadn’t left their car, I really believe somebody would’ve checked on them. People drove by them but everybody assumed this was somebody who got their car stuck, they called and got rescued. Nobody would’ve ever thought that they were out here struggling,” Diane Haas said.This story was originally published by Zach Crenshaw on 1920

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

is facing child abuse charges for allegedly leaving three young children in a freezing car while getting a spa treatment.Ericka Campbell, 23, was arrested Monday night for leaving her children unattended. She allegedly went inside a private spa at a Warren home.The children are 9 months old, 3 years old and 11 years old. They were left inside the locked car in 32-degree weather. Eventually, the 11-year-old called police. When they arrived, police say Campbell refused to come out until her eyebrows were done. She was handcuffed and her kids turned over to their grandmother. Child Protective Services is investigating.Police say she didn't think she'd be in the home for that long, and didn't think it was necessary to bring them inside.“It says 32 degrees. 6:30 at night. It’s dark out. The 11-year-old says her sister went in the house and she doesn’t know why," Macomb County Prosecutor Eric Smith said. "She hasn’t seen or heard from her in over an hour. They knock on the door and the homeowner says, 'yeah, she’s here. She’s getting a spa treatment.'”Campbell was charged and is currently out on bond. 1114

against a school district alleging they failed to address bullying, racism and her son’s special needs.Rebecca Ligler’s son Elijah, a 16-year-old sophomore at Noblesville High School, was involved in a fight with another student on Sept. 25.The altercation was captured on cellphone video and posted on social media.As a result of the fight, Elijah was expelled and can’t return to the district until July 31, 2020, records show.The video was used as evidence in Elijah’s expulsion. 484

for four days. On Tuesday, the Maricopa County Attorney's Office charged Leland Jay Wedin Jr., 59, with vulnerable adult abuse after the death of his 85-year-old mother. Court records show that on January 9, Geraldine Wedin fell out of her bed at her home near 35th Avenue and Bell Road. After four days, her live-in son called family members to help him get Geraldine back into bed. Investigators say the family was "horrified at the living conditions." The home was full of garbage and human and dog feces, according to the family. The family reportedly told investigators that Geraldine was "incoherent, lying in her own waste, with large pressure sores on both hips that were crawling with maggots." Hospital workers reported to police that Geraldine was suffering from septic shock, Pneumonia, hypothermia, and had an open finger fracture. She died a month later. Wedin reportedly told police that his mother refused to go to the hospital, so he fed her nutrition shakes and water, and treated her sores with peroxide and antibiotic ointment. Court records show that Geraldine hadn't been to a doctor in two years. Neighbors allegedly told police that the condition of the home "severely declined" when Wedin moved in two years ago. Wedin has been summoned to make his first court appearance on November 25.This story was originally published by Joe Enea at KNXV. 1374

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