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Your trick-or-treating kids brought home candy you can't stand? (We're looking at you, licorice.) No worries. Check out the candy machine that swaps out all the treats you hate. Here's what else you need to know to get up to speed today.  256

for two invasive weeds that can kill humans in some cases.“Poison hemlock can kill you while wild parsnip may make you wish you were dead,” the authors wrote in an article posted on the university’s 201

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

into the deadly Dayton mass shooting, citing the gunman's interest in violent ideology.Connor Betts sought information about violence and was exploring "violent ideologies" before opening fire on a crowd in the Oregon District Sunday morning, according to Special Agent Todd Wickerham, head of the FBI's Cincinnati field office.Evidence uncovered so far shows Betts was obsessed with mass shootings and had expressed "a desire to commit a mass shooting," Dayton police Chief Richard Biehl said at a Tuesday afternoon news briefing with Wickerham and Dayton Mayor Nan Whaley.While Dayton police continue its homicide investigation, Wickerham said the FBI will explore which "specific violent ideologies" may have influenced Betts, whether Betts had an accomplice, if anyone else had advance knowledge of Betts's attack, and why Betts chose Dayton's entertainment district as his target.Wickerham said there is no evidence so far that Betts's attack was racially motivated or that he was inspired by the El Paso mass shooting on Saturday morning."While we do not have true clarity of motive of the assailant, based on evidence obtained, we do have a more developed picture of the evolving mindset of the assailant," Biehl said in his brief remarks."Material reviewed thus far reveal the individual had a history of obsession with violent ideations to include mass shooting and had expressed desire to commit a mass shooting. Subsequent material has revealed an orientation toward violent ideologies, which elevates this case to one of federal interest."Wickerham asked anyone with information about Betts to call the FBI Tipline 24/7 at 1-800-CALL-FBI. You can also upload videos and photos 1691

You can preorder an iPhone 8 or iPhone 8 Plus starting Friday. But Apple has created something of a conundrum for customers by postponing the release of its higher-end iPhone X until Nov. 3.Do you buy an 8 or wait? It's a difference of 0 to 0, six long weeks and the ability to animate yourself as a cartoon poop.Related: See photos of Apple's iPhone through the yearsYou have to dig through a lot of superlatives and made-up marketing terms (Bionic chip, Super Retina, deeper pixels) to find what's really new in the iPhone 8, iPhone 8 Plus and iPhone X. To help you decide when (or if) you should spend hundreds of dollars on a new iPhone, let's look at what each device offers. 694