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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

Like countless other Americans stuck at home during COVID-19, Steven Clark found himself searching for purpose. The 43-year-old man eventually found it in the basement of his century-old home, making desks for students in need.Woodworking is not Clark's full-time job, but it is where he finds himself between Zoom calls and on weekends. Months into the pandemic, Clark knew he had the tools to do something, and eventually, phone calls to local charities revealed the answer: families in Massachusetts, where Clark lives, were in desperate need of desks."It just seemed like an alignment of stars to say, 'Hey, why don’t we build decks, because it seems like there’s a real need for that,'" he explained.Virtual learning and the pandemic have revealed that nearly 9.4 million kids don't have access to the internet. Nationwide, 4.4 million kids don't have access to a computer. But there is no telling just how many kids don't have a desk of their own at home, especially in families who have recently come out of homelessness."I think we can all think back to when we were kids and had something that was ours," Clark said about the need for desks.As the executive director of Furnishing Hope of Massachusetts, Suzy Palitz has plenty of furniture ready to be deployed to families in need, but the one item they need the most right now though are desks."Your bed is to sleep on. your desk is to work at. There are certain things you do in those places and it’s also a way to keep organized," Palitz said.This nonprofit helps families who have just transitioned out of homeless shelters. Most kids don't have a bed to sleep on, let alone a desk to do schoolwork on. The need has become even more critical with students across the country learning virtually at home."It’s a place that’s steady, that they can focus in," she added.The idea has taken off. So far, with the help of 14 other families, Clark and his helpers have delivered five desks to kids in need with another 25 on the way and the funding to make 10 more. There's nothing fancy about the desks. Clark cuts the pieces himself and then hands them off to other families who serve as the assembly line.His hope is that others across the country see how easy it is to help and start their own movement."We’re in a moment in history where social responsibility really matters,” Clark said.If you’d like to help in Clark’s efforts, find out how here. 2416

LEXINGTON, Ky. — A Kentucky man is accused of using other people's identities to buy luxury cars and lease apartments in Kentucky and Florida.39-year-old Kenneth Mobley was arrested earlier this month as part of investigations by Lexington Police and the Kentucky State Police-Vehicle Investigations Unit.Five cars valued at around 5,000 were recovered as part of these investigations.Lexington police say back in March, detectives learned Mobley used an Oregon man's identity and a fraudulent check to buy a BMW convertible from a Kentucky car dealership and rent an apartment. Mobley was arrested later that month in Tampa, Florida.In early September, police say detectives learned Mobley was possibly back in Kentucky. Evidence ultimately linked to him was found at multiple police scenes in Lexington, including the collision of a Dodge Charger Hellcat that was left abandoned on Chestnut Street. 912

LEXINGTON, Ky. — A car wash in Lexington, Kentucky is offering a wash, a shine, and a scare this Halloween season.Rainstorm Car Wash has transformed its facility into the ‘Tunnel of Terror,’ a family friendly event that will be held every Friday and Saturday night until Halloween.“With all the COVID stuff, a lot of haunted houses weren't open or anything like that,” said Reese Kemp, the manager of Rainstorm's Lexington location. “So we figured let's have a great time.”When Gov. Andy Beshear unveiled his plan for a safe Halloween, he urged people to avoid haunted houses, citing the likelihood that COVID-19 could spread in such tight quarters.Those concerns don’t really apply to a haunted car wash."When you're in your car, you don't have to worry about getting within six feet,” Kemp notes. “Your windows are up the entire time, the [employees] can have a blast and you don't have to worry about coming into contact or spreading or anything like that.”While your car is getting washed, people will notice employees dressed up as scary characters, trailing the cars to give families a fright.As part of the event, Rainstorm has partnered with local food banks. Drivers who bring a canned food item will receive five dollars off their wash.This story originally reported by Mike Valente on LEX18.com. 1315

Let's face it, pets are family. And even when you don't have a home, they come first. One non-profit group of dedicated veterinarians, is helping make sure these "street dogs" are getting the care they need, much to the relief of their human companions.Shannon Arakaki is doing her best to comfort her dog Rocky, as he gets his ear drained. After all, she says he's always been there to comfort her."Oh yeah there's been some ups and downs," said Arakaki. "Lived in my truck you know we stay at my truck off and on right now."When Rocky hurt his ear, Arakaki had no idea how she'd deal with it."I don't have the money to go to a vet and this is my only option right now unless you know I'm going to sell my truck," said Arakaki. "I can't do that I'm not going to go live in a tent."That's where one group of veterinarians come in. They are treating Rocky for free."This is phenomenal," Arakaki said. "Because it's so hard and when you're at the point where you don't really have any money and you're trying just basically to survive. They come before you."With just a table and supplies these vets are caring for the pets of people who are homeless or near homeless. They call themselves the Street Dog Coalition, setting up care centers on streets around the country, or in this case, at a shelter."We are not doing major surgeries," said Dr. Jon Geller, who founded the Street Dog Coalition. "We're not doing x-rays but we have to use our x-ray vision which just means a lot of best guessing going on."Dr. Geller says it not only helps pets stay healthy, but also tears down barriers for people who already have enough up."What do you do for a job interview?" Dr. Geller said. "What do you do for a job? There's no doggie daycare and they can't get on the bus and staying over night in shelters but that's in most cases it won't happen."Dr. Geller says sometimes the homeless are judged for having pets, but not here."They will feed their pets first," Dr. Geller said. "So they live pretty good lives and these owners are pretty committed and I think that we should be supportive of their efforts to have pets."They are helping preserve relationships that go beyond mere companionship."Without having somebody for me to give a damn about I may not care about myself as much," Arakaki said. 2324