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Once the graduation confetti settles, you should mentally add “help your kid get a credit card” to your parental pre-college checklist. But getting a credit card at age 18 isn’t as easy as it was when you were in college.The Credit Card Act of 2009 generally prevents consumers under 21 without independent income from qualifying for credit cards on their own. And even with a job, your kid might have trouble qualifying for a card without a credit history. Plus, if you don’t give him or her credit guidance, your child’s missteps could strain your finances — and your relationship.“My counseling to my parents is, don’t just randomly give [your kid] a card,” says Amy Irvine, a certified financial planner and owner of Irvine Wealth Planning Strategies, a fee-only advisor firm in Corning, New York. “Make sure there’s some explanation that goes with it.”Here’s how you can help and avoid common pitfalls. 965

OCEANSIDE, Calif. (KGTV) - Anyone browsing through 101 Marketplace in Oceanside will find an assortment of items for sale on the shelves and show floor.The antique and consignment store opened just two weeks ago amid a business landscape struck by the pandemic. But owner, Roy Cisneros is optimistic about the future."If today is the worst day, tomorrow has got to be better," Cisneros said. Cisneros describes himself as naturally optimistic. That optimism has helped him get to where he is now."We've been homeless for two years, me, my wife, and my kids," Cisneros said. Cisneros, a father of five, says he says it didn't take much to fall into homelessness. "You get behind in rent, that's all it takes, really, and then you are living in hotels."He says they hit rock bottom in 2019 when his wife and his kids had to stay in a shelter."We were like, 'You get in the shelters, I'll sleep in the car, we'll figure this out, we'll save some money that way,'" Cisneros said.At one point, Cisneros worked as many as three jobs at one time to make ends meet and save up just enough."I had saved up a little bit of money from 2019; we purchased a little tiny trailer, we stayed in the trailer for about six months," he said.In August, he discovered that space on 101 S Coast Highway was available and affordable. Cisneros says it was an opportunity he couldn't pass up. Though he heard of businesses struggling and closing because of the pandemic, Roy decided to bet on the days ahead."We took all of our savings, we sold the trailer, we got the store, and we're doing it," he said.Cisneros says he and his family are currently still living in a hotel, but he says that could change very soon."If you keep trying, eventually you'll get there," he said.Roy says they plan to give back to their community. They plan to donate some of their profits to a north county organization that helps the homeless. Cisneros says he will also take donated items to be sold, and the profits from that sale will also be donated. 2018

OCEANSIDE, Calif. (KGTV) — Just a few blocks from the Oceanside Pier and the surfers who speckle the waters around it you'll find one of the richest troves of surfing history in the world.The California Surf Museum was established in Oceanside in 1986, chronicling a sport many see as a way of life."Surfing goes back thousands of years," says museum president Jim Kempton, a surfing legend and editor of Surfing Magazine in the 1970s. Kempton's never-ending love for the sport is evident as he leads 10News on a tour of the colorful museum that blooms with the science, art, and history of surfing."You start with these ancient Alaias (uh-lee-yuhs)," said Kempton, gesturing to a tall, thick surfboard made of Kola wood from Hawaii. "It was just part of the Hawaiian lifestyle. They did it all the time and women did it as much as men."LIFE IN OCEANSIDE: Oceanside's brewery scene helps spur city's growthThe earliest board designs, dating back some 4,000 years, were sometimes more than 20 feet in length. "They were very very long at the time," said Kempton. "And that was just the expectation that people had. They didn't imagine that people could stand on anything smaller than that." But that would change — along with so many other things — during the era of groovy, when imagination and new materials like foam and fiberglass redefined the sport. "Surfing was really in the same sort of youth movement that everything in the 60s was," said Kempton. "From swallow tails and pin tails. You know, flat bottoms, beveled bottoms, V-bottoms, all these different things." LIFE IN OCEANSIDE: From 'Ocean Side' to region's third-largest cityThe sea of change happening to music, lifestyle, clothing, and politics was also impacting surfboard board design. Modifications would eventually make the sport accessible to the disabled as well. "Some people lay with their feet flat. They've got handles on different places. They've got chin rests for some of them," according to Kempton.But of all the boards on display at the California Surf Museum, there's one that stands out for its literal breathtaking quality. "You know we can always tell when people get to this part of the museum if we're out in the front," said Kempton. "Because you hear the gasps." LIFE IN OCEANSIDE: Mural project sparks new wave of artThe board is shaped with a distinctive half moon chunk cut from its left side. It's the actual board 13-year-old Bethany Hamilton was on when she was attacked by a 15-foot tiger shark off the coast of Kauai in 2003.Kempton says the board found its way to the museum through an old friendship. "Her dad and I were friends in college back, you know, 20 years before. And I ran into him and I was telling him about the museum and he said, 'Well, would you like Bethany's board?' I said 'which one?' And he said, 'You know. The board,'" Kempton recalls.Kept behind glass, museum curators call it their Mona Lisa.LIFE IN OCEANSIDE: Mayor Pete Weiss talks Life in Oceanside"It's really the resilience," said Kempton. "And the ability to come back from something that is really a traumatic experience and triumph over it. She's surfing now on 40-foot waves at Jaws on Maui with one arm." The ultimate victory for a surf culture that sees life as a wave. "All energy moves in waves," says Kempton. "But the only place in the entire universe where people actually harness that, and ride them, is on ocean waves." 3420

Once a month for two years, a 55-year-old woman in Madrid had gone for acupuncture therapy using live bee stings. Apitherapy -- the medicinal use of bee hive products, including honey, pollen and bee venom -- was the woman's go-to treatment for stress and contractures, a tightening of her muscles that caused stiff joints.Live bee sting acupuncture "is a technique that is becoming more widely available" around the world, said Dr. Ricardo Madrigal-Burgaleta, senior author of a case study describing the Spanish woman's experience and previously her doctor at Madrid's Ramon y Cajal University Hospital.The case study was published in the current issue of the Journal of Investigational Allergology and Clinical Immunology.The woman had shown no negative side effects to bee sting acupuncture, he said. In fact, her medical record recorded no history or mention of asthma, heart disease or allergies of any kind or to insects in particular.But one day, during her monthly session, the woman began to wheeze and find it difficult to breathe after the first live bee sting.Suddenly, she lost consciousness. 1114

One hundred people have been charged in connection with a large-scale fentanyl, carfentanil, heroin, and cocaine trafficking ring that has operated between Cuyahoga and Columbiana counties in Ohio since 2014.According to Ohio Attorney General Mike DeWine, the amount of fentanyl and carfentanil that was allegedly trafficked into the area "was enough to kill every single person in Columbiana County, plus every man, woman, and child in 11 other nearby counties."Investigators say the people charged are responsible for funneling the equivalent of approximately 1 million potentially fatal doses of carfentanil and approximately 350,000 potentially fatal doses of fentanyl into Columbiana County alone.Authorities began serving arrest warrants as part of "Operation Big Oak" on Monday.Three Cuyahoga County men, who are the alleged ringleaders of the operation, are accused of operating the drug ring as part of the “Down the Way” criminal street gang.  The men are all facing multiple charges related to the trafficking of fentanyl and the trafficking of heroin and/or cocaine.A fourth Cuyahoga County man, who was also identified as an alleged ringleader of the organization, is accused of trafficking carfentanil, fentanyl, heroin, and cocaine as part of the drug operation.According to investigators, the four suspects allegedly sold the drugs to dozens of mid-level traffickers who then sold the drugs across Columbiana County.A total of 51 alleged mid-level traffickers from Columbiana, Cuyahoga, Tuscarawas, and Mahoning counties are also facing one or more charges related to the trafficking of fentanyl, carfentanil, heroin, or cocaine. Forty-five lower-level suspects were also indicted after investigators found that they allegedly contributed to the actions of the drug trafficking organization.Two suspects are charged with felony assault for allegedly exposing East Liverpool Police Officer Chris Green to fentanyl during a May 2017 traffic stop conducted as part of the investigation into this drug trafficking ring. Officer Green survived the exposure after being revived with four doses of naloxone.In total, the 756-count indictment lists one or more of the following charges: engaging in a pattern of corrupt activity, participating in a criminal gang, aggravated trafficking in drugs (fentanyl, carfentanil, or oxycodone), aggravated trafficking in heroin, trafficking in heroin, trafficking in heroin in the vicinity of a school, aggravated trafficking in cocaine, trafficking in cocaine, attempted trafficking in cocaine, trafficking in the vicinity of a juvenile, trafficking in marijuana, assault, corrupting another with drugs, having weapons under disability, permitting drug abuse, tampering with evidence, possession of cocaine, aggravated possession of drugs. 2826