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Retail credit card APRs have not changed despite the Federal Reserve slashing interest rates to near zero this year, according to a new report from CreditCards.com.Store-only cards have the highest interest rate at nearly 30%. That's the case for a few jewelers, Discount Tire and Big Lots, which sells furniture and appliances.“They're kind of preying, in some cases, on people who are really desperate to buy something, but may not have the money for it,” said Ted Rossman, an industry analyst at CreditCards.com. “So, it's really all about risk management.”The website’s survey found more than 43% of people have impulsively applied for a store card at checkout.That phenomenon may change this holiday season, when much of the shopping is expected to be online.“It might be less of an issue this year,” said Rossman. “Although, who knows? Maybe the shoppers that are in store are going to be peddled these even more aggressively, so it's something to watch for.”Store credit cards can be worth it if you pay your bills in full to avoid interest and you're loyal to a certain retailer. That's especially true for cards that offer 5% back on everything you buy. Amazon, Walmart, Target and a few clothing stores offer those kinds of rewards.If you're just signing up for an initial discount, don't waste it on a small purchase.Remember a credit card is different from a free loyalty program.You might be getting into something that could hurt your credit score. 1470

Presumptive Democratic presidential nominee Joe Biden will participated in a virtual roundtable with the Service Employees International Union, a day after he laid out the third tier of his “Build Back Better” economic policy plan.On Tuesday, Biden spoke about his 5 billion plan to support working families, childcare and educators. He suggested rolling back tax breaks for real estate investors with incomes over 0,000 and taking steps to increase tax compliance for high-income earnings.Recent polls show Biden extending his lead over President Donald Trump. A Fox News poll released on Sunday found Biden leading Trump by eight points, while and ABC/Washington Post poll found Biden leading Trump by 15 points.Watch Biden's event in the video below. 767

Reopening schools and resuming youth sports, playdates and other activities has led to a sharp increase in the number of American children testing positive for COVID-19, according to health authorities.The American Academy of Pediatrics and the Children’s Hospital Association released a report Tuesday showing children, ages 0 to 17, make up about 10 percent of all cumulative U.S. COVID-19 cases. Children were just 2 percent of total cases in April.As of September 24, more than 624,000 children have tested positive for the coronavirus since the beginning of the pandemic. With the U.S. reporting just below 6 million cases total, that means roughly 10.5 percent of all cases are children.More than 74,000 new cases of COVID-19 among children were reported in the two weeks between Sept. 10 and 24, according to the CDC and AAP. The Centers for Disease Control and Prevention said Monday that the incidence of COVID-19 in school-age children began rising in early September as many youngsters returned to their classrooms.“These rising numbers concern us greatly, as the children’s cases reflect the increasing virus spread in our communities,” said American Academy of Pediatrics President Sally Goza, MD, FAAP in a statement. “While children generally don’t get as sick with the coronavirus as adults, they are not immune and there is much to learn about how easily they can transmit it to others.Over the last several weeks, children have accounted for between 12-16 percent of all new coronavirus cases weekly.Children do appear to have a lower fatality rate. The study shows that roughly 0.01 percent of children who test positive for the coronavirus have died from it.The AAP says these numbers may be low because of inconsistencies in reporting and testing. “The data are limited because the states differ in how they report the data, and it is unknown how many children have been infected but not tested,” they state.The number of children tested compared to the number of all tests being done in this country has remained steady since April of between 5-to-7 percent, according to the CDC.Earlier this month, the CDC released information that the average age of patients testing positive for COVID-19 has dropped to 38 years old in August as more younger Americans contract the coronavirus.The study from CDC also stated about 20 percent of COVID-19 cases are now patients in their 20s. 2407

President Trump, wearing a mask, rides by his supporters outside Walter Reed while in the back of a Suburban. pic.twitter.com/nsCJyYXHdK— Kaitlan Collins (@kaitlancollins) October 4, 2020 195

Prosecutors will seek to put Nikolas Cruz to death for carrying out last month's massacre at a Parkland, Florida, high school, they announced in court filings Tuesday.A Broward County grand jury last week indicted the 19-year-old gunman on 17 counts of premeditated murder in the first degree and 17 counts of attempted murder in the first degree.In its filing, the prosecution said that, among the aggravating factors spurring its decision, were that Cruz knowingly created a risk of death for many people, his crime was aimed at hindering "any government function or the enforcement of laws" and that the shooting was "especially heinous, atrocious or cruel."Read the notice of intent for yourselfAnother factor: "The capital felony was a homicide and was committed in a cold, calculated and premeditated manner without any pretense of moral or legal justification."Cruz, through his attorneys, had previously expressed a willingness to plead guilty to avoid the death penalty.Prosecutors, in Tuesday's filing, also ask the court to put several provisions in place in the event that Cruz's defense intends to introduce documentation or testimony regarding their client's mental health.This could certainly come into play as Cruz's defense team has said he battled with mental illness and depression after his adoptive mother died.From 'broken child' to mass killerDuring a previous hearing, a public defender described him as a "deeply disturbed, emotionally broken" young man who is coming to grips with the pain he has caused. Classmates and others who knew him also described signs of mental illness, with some telling media outlets they outright predicted he might one day be a school shooter.Cruz was arrested shortly after committing the Valentine's Day killings and fleeing the Marjory Stoneman Douglas High School campus among terrified students. Seventeen students and teachers died in the shooting.The teen confessed to being the gunman, according to a probable cause affidavit released shortly after his arrest.Tuesday's news comes one day before the one-month anniversary of the mass shooting at Marjory Stoneman Douglas. On Wednesday, students across the nation intend to walk out of schools in solidarity with the Parkland students and to demand tougher gun control laws.The-CNN-Wire 2307

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