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late Monday night.Indianapolis Metropolitan Police Department officers were initially called to a local business around 5 p.m. Monday for a report of a burglary-in-progress, according to IMPD Sgt. Grace Sibley.When officers arrived, they saw a man running from the location and into a second building. The people inside were able to get out before the suspect barricaded himself.Sibley said the suspect had tried to rob the first business but fled after realizing that there were still employees inside.IMPD crisis negotiators and SWAT team members secured the area. After an hours-long standoff, the suspect became agitated and pointed a gun at officers, Sibley said. Officers then shot the suspect.The suspect was taken into custody and rushed to St. Vincent Hospital in serious condition, but is expected to survive. No officers were injured in the shooting.Roads in the area were closed during the standoff, which lasted several hours.The incident remains under investigation. The suspect's name has not yet been released.This story was originally published by Andrew Smith on 1083
First responders were able to pull a man from the frigid waters just above the American falls. At this point it's unclear how the man got into the water or why. His name and extent of injuries are also unclear at this point. At the time of the rescue, water temperatures were in the low 50s. The air temperature in Niagara Falls was 31 degrees and it felt like 25. You can watch the rescue unfold below. 408

if they can get 51,000 retweets on Twitter.The company announced on July 15 that they would not be sponsoring the Area 51 raid, but on Wednesday they offered something else.Bud Light shared a photo of a black and neon green special edition of the beer can. There is also a generic alien-shaped head with a crown."We know of no space beer by any other life form which is brewed and aged to be more refreshing," the can reads.The company said if the tweet gets 51,000 retweets on Twitter, they will make the special edition beer cans.As of Thursday morning, the tweet had about 8,500 retweets. 593
You’ve probably noticed new electronic payment screens when purchasing coffee or other items at a counter. With the new systems, do customers end up tipping more? An automatic tipping system called Toast says since 2017, quick service restaurants using their system have received tips on nearly 60 percent of credit card orders, compared to 28 percent previously. "The basic idea is to make it very easy for you, very convenient for you, and create an expectation that this is a norm,” says Dr. Kevin Masters, a professor at CU Denver. “And this is what’s usually done." Dr. Masters says the psychology behind the process is to cause stress for customers, which makes them tip no matter how much they decide. "These ones where you are at a coffee shop or taxi places like that, you're given this automatic tip, especially if there is a line behind you there is a pressure," he says. If you think you're the only one who feels awkward in this situation, you're not alone. Nathan, who works as a barista, says the feeling is mutual. But he does believe he gets tipped more with automatic tipping screens. Dr. Master's says whether or not you tip, it's all psychological with the pressure you feel."Most of us, I think, would rather just get it over with,” he says. “So, if it costs me a few more cents on this cup of coffee, [no] big deal." 1427
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
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