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on Indianapolis' east side Tuesday morning.According to a report from the Indianapolis Metropolitan Police Department, the crash happened around 6:51 a.m. when a bus crashed into a Cash America building at East 16th Street and Emerson Avenue.According to Indianapolis Public Schools, 23 students were aboard the bus at the time of the crash. No injuries were reported, and all the students were released to their parents.The bus was operated by Durham Transportation. More on this as it develops.This story was originally published by Bob Blake on 550
is a disease that can be fatal to dogs and spread to humans — and it's on the rise in the western United States.Leti Paoli's dog, Copper, battled health issues for several years. In the last year and a half, Copper was back to being the energetic dog Paoli remembered — until two weeks ago. Paoli's husband was in the backyard playing with Copper when he noticed Copper was walking with a stiff gait. He thought Copper had re-injured his back.After taking him to the veterinarian, they found out Copper was suffering from one of the early signs of leptospirosis."One of the first symptoms of leptospirosis is that they're drinking a ton of water, and then they go out and urinate, and sometimes they have urinary accidents because they're drinking so much water," said Dr. Laura Russell, chief emergency doctor at Colorado Veterinary Specialist & Animal ER in Littleton.Russell helped care for Copper. She says her office usually sees one to two cases of leptospirosis per year. This year, they've seen six.Russell's office isn't alone. 1043

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
Yale University will no longer formally call first-year students "freshmen" as the university is officially changing its terminology to be gender-neutral. So instead of being considered an "upperclassman," a student with multiple years of collegiate experience will be officially considered an "upper-level" student. According to Yale's student newspaper, administrators are not expecting students, faculty and staff to change how they refer to freshmen or upperclassmen. The change is one that is merely to be used in official titles and correspondence. “It’s really for public, formal correspondence and formal publications … we’re not trying to tell people what language to use in their everyday casual conversations,” Yale Colleg Dean Marvin Chun told the Yale News. “We’re not trying to be language police.”The new gender-neutral terminology was unveiled in the 2017-18 edition of the student handbook. Yale's student newspaper reported that administrators have been considering the change to gender-neutral terms for several years. The paper added that there have been growing calls for greater gender inclusively at Yale. 1178
lawyers representing Covington Catholic student Nicholas Sandmann announced plans to seek an even bigger financial concession from CNN: 5,000,000. “CNN’s agenda-driven fiction about Nicholas and the January 18 incident was not only false and defamatory, it created an extremely dangerous situation by knowingly triggering the outrage of its audience and unleashing that outrage,” lawyer L. Lin Wood wrote in the new suit, which was filed Tuesday in the Eastern District of Kentucky.CNN declined WCPO's request for comment. Sandmann, 16, became the subject of widespread press coverage after videos of a January 18 encounter among Covington Catholic students, members of a fringe religious group known as the Black Hebrew Israelites and Native American demonstrators were widely disseminated online. Much of the initial coverage, including that of the Post, shared the story told by Native American demonstrator Nathan Phillips: That he and other members of the Indigenous Peoples March felt surrounded and threatened by the students, almost all of whom were white and many of whom wore red “Make American Great Again” caps, and that some taunted them with chants of “Build that wall!” “It was getting ugly, and I was thinking: ‘I’ve got to find myself an exit out of this situation and finish my song at the Lincoln Memorial,’ ” Phillips 1343
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