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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) - The Oceanside Police Department asked for the public’s help Friday to find a missing man.Richard Teller, 80, was last seen at his home Thursday night at 10 pm.Police said Teller suffers from health conditions that require medication, which he does not have with him.Teller is believed to be driving a black 2006 Cadillac CTS with a California license plate of 5YDG829.Police said Teller is white, 5’9”, 190 pounds, with short gray hair and hazel eyes.Anyone who sees him is asked to call Oceanside Police at 760-435-4900. 556

ODESSA, Texas (KGSTV) - A man with San Diego ties who survived the Texas shooting rampage Saturday is recounting the moment he drove into the crosshairs.Daniel Munoz, 28, moved from San Diego to Texas a year ago to work in the oil industry. He was in his car on the way to meet a friend for a drink, when he yielded to a car coming off an interstate. He immediately saw what appeared to be a rifle barrel in the hands of a driver and the shooter, Seth Ator.Earlier, the shooting spree had started with a routine traffic stop, when Ator suddenly started shooting at officers. During the ensuing chase in the Odessa/Midland area, he shot at other drivers. One of those drivers was Munoz. After he saw the rifle barrel, he told the Associated Press, "This is my street instincts. When a car is approaching you and you see a gun of any type, just get down. Luckily I got down … sure enough, I hear the shots go off. He let off at least three shots on me."Munoz believes one shot hit the engine, another struck the driver's side window, and a third hit a rear window. Some shattered glass punctured his left shoulder, causing him to bleed heavily. As he made the frenzied drive to a hospital, the shooting rampage continued.The gunman would hijack a mail truck, before ramming police vehicles outside a theater, where police would shoot and kill him. In the end, Ator would kill seven and injure 22. As for Munoz, he says he's physically okay but shaken."I'm just trying to turn the corner and I got shot. I'm getting shot at? What's the world coming to? For real? I'm just minding my own business," he told the Associated Press.Officials have identified another man, 62-year-old San Diegan, Marco Corral, as among the injured. 1731

One day after Papa John's CEO John Schnatter claimed that decreased TV viewership in response to NFL player protests over racial inequality was causing a decline in business, Pizza Hut said on Thursday that NFL boycotts have not caused any decline in business. Yum Brands, parent company of Pizza Hut, held an investors' conference call on Thursday and declared same-store sales were up 3 percent. That is compared to just a 1 percent increase for Papa John's. While Schnatter cited the response to NFL player protests as the reason for lower-than-expected growth at Papa John's, Yum Brands offered no such criticism. "We're not seeing any impact from any of that on our business," Yum Brands CEO Greg Creed said. While Creed admitted that live sports is important facet of business, he said other factors such as food quality are important. "The foundations are not always sexy, but I think delivering hot, reliable pizza is important, and I do believe the team is making progress on all the areas in the foundation that will enable us to build, longer term, a strong Pizza Hut position," Creed added.Schnatter, on the other hand, called the player protests during the national anthem a "debacle." “The NFL has hurt us by not resolving the current debacle to the players’ and owners’ satisfaction… NFL leadership has hurt Papa John’s shareholders,” he said on Wednesday.Just as Colin Kaepernick began leading protests among some NFL players last August, Papa John's renewed its contract to be the official pizzeria of the NFL. The brand has also aligned itself with popular NFL personalities, such as former Indianapolis Colts great Peyton Manning. But some on social media are accusing Schnatter, who was a donor to President Donald Trump's 2016 presidential campaign, of playing politics. According to campaign filings, Schnatter donated ,000 to Trump's campaign last year. He also donated ,400 to the Republican National Committee last August. Earlier in the NFL season, Trump delivered a sharp rebuke of players who kneeled or sat during the national anthem. Also, Vice President Mike Pence walked out of a Colts game before kickoff, per the orders of the President, due to members of the 49ers taking a knee during the national anthem. But there is no question NFL viewership is down in 2017 compared to 2016. According to Fox Sports, viewership has declined from an average of 15.6 million viewers per game to 14.8 million at the same point last year."This year, the ratings have gone backwards because of the controversy. And so the controversy is polarizing the customer, polarizing the country, and that’s the big difference here," Schnatter said. 2780

On Veterans Day, the National Museum of the American Indian, part of the Smithsonian museums in D.C., unveiled the new National Native American Veterans Memorial.This new memorial stands on the grounds of the National Museum of the American Indian on the National Mall.It features a stainless steel circle balanced on a carved stone drum. There are benches for gathering and remembering, and four lances where veterans, family members, tribal leaders, and others can tie cloths for prayer and remembrance.It does not include veterans’ names or tribal identification; many veterans asked during the design consultation process said they did not wish to have them added, as the memorial is timeless and is dedicated to all Native veterans, past, present and future. 771