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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

Psychological first aid. That's the mission of a new program within the Medical Society of the State of New York. It's called "Peer to Peer" and it's a way for doctors to counsel each other, especially as they try to manage the exhaustion and trauma brought on by COVID-19.Dr. Frank Dowling said the medical profession has been stressful from its onset. “You can find journal articles from 1850 talking about docs and depressions alcohol and suicide," Dowling said. Initiating the "Peer to Peer" program has been a career goal of his, a bucket list item.“Because we’re professionals, we expect ourselves to take all this in and, incorrectly in my view, not feel it and we have a professional demeanor,” Dowling said.Dr. Dowling says doctors are under immense pressure to not show the stress they take on. “Could you imagine a cardiac surgeon working on someone you love, bringing them to the emergency room saying 'OMG, I have a life in my hands?' So it gets pushed aside in its own natural way where people know how to do it and we do what we’ve got to do,” Dowling said.Add in insurance headaches, trauma, and then: 2020. And COVID-19. New York's medical system is still dealing with the stress of the pandemic.“Those stressors don’t stop because we have a pandemic, the pandemic adds to the burden of stressors that already exists,” Dowling said.Dr. Charles Rothberg chairs the Medical Society, State of New York's Committee on Physician Wellness and Resiliency. They've been working on the "Peer to Peer" program because physician burnout is not new. COVID-19 hit, and they knew it needed to get off the ground.“The program is essentially for people that are engaged in a stressful profession that from time to time find that their coping mechanisms are exceeded by the stressors they experience,” said Rothberg.There's been doctor suicides, addiction and financial problems, real life struggles, exasperated by the coronavirus. For doctors, there's often a stigma associated with the stress. “There was concern that physicians would not want to consult a peer for fear that they would be reported or trigger an obligation of a colleague to do the reporting,” Rothberg said.Peers, he says, should provide safety, comedy, a connection - and basic support. “A physician should know that they are doing a good job even if sometimes unexpected outcomes occur for example,” Rothberg said.Before they launched "Peer to Peer", they were working on ways to prevent and reduce doctor burnout. Ironically, that program was halted because of COVID-19. Which, then of course, made the burnout even worse."Peer to Peer" offers a number to call- 1-844-P2P-PEER and an email, p2p@mssny.org, to contact, 24 hours a day, 7 days a week, not for treatment, but casual conversation, to talk it out with someone who's going through the exact same thing. “Maybe to just share with a peer that this happened to me also and here’s how I responded to it a lot of the problems that people have are common to each other,” Rothberg said.Or, as Dr. Dowling puts it, head over to the zoom diner, meet a friend and take a load off. “I want the docs that we help in the peer to peer to get well, to get better, to love life again and love why they went into medicine," said Dowling. 3263

Republican Reps. Chris Collins and Duncan Hunter, who are both facing federal indictments, were re-elected to Congress Tuesday night, CNN projects.Both men were early supporters of President Donald Trump, who blasted the Justice Department earlier this year for investigating the two Republicans.Despite the federal charges against him, which he calls "meritless," Collins has been actively campaigning to keep his seat in New York's 27th Congressional District.Collins, the first House member to endorse Trump's 2016 campaign, has been charged with securities fraud, wire fraud and false statements stemming from alleged insider trading in stock of an Australian pharmaceutical company.Hunter, who represents California's 50th Congressional District, was indicted the same month as Collins in August -- but for charges of campaign corruption related to a quarter-million dollars' worth of charges on his campaign credit card. Hunter claimed he was framed by a "corrupt" Department of Justice but also placed blame on his wife.He went on to suggest that his Mexican-Palestinian-American opponent -- a 29-year-old former Obama administration aide who is Christian -- is a Muslim with ties to terrorism who would threaten the security of US soldiers.Meanwhile, Sen. Bob Menendez, a Democrat from New Jersey, survived a tough re-election bid amid dismal approval ratings following his federal corruption trial that ended in a hung jury.While the Justice Department filed to dismiss charges against Menendez, he was still admonished by the Senate Ethics Committee for accepting gifts without proper approval from a wealthy ophthalmologist and returning in kind with political favors.. 1688

RANCHO SAN DIEGO (KGTV) -- The boyfriend of a missing woman refused to take a polygraph test Monday - on the same day Arizona police arrested him for identity theft and forgery. Kiera Bergman was living in Phoenix when she went missing two weeks ago, but the 19-year-old grew up in San Diego. Monday night her father agreed to speak with 10News Anchor Ariel Wesler about the desperate search for Bergman. Bergman graduated from Valhalla High School in 2017. After her disappearance, family and friends launched the #bringKIERAhome campaign - passing out flyers and stickers to keep hope alive.  617

Rear Adm. Ronny Jackson has withdrawn as President Donald Trump's nominee to lead the Department of Veterans Affairs, he said in a statement Thursday morning.His nomination was hampered by a flurry of allegations about Jackson's professional conduct.In a statement announcing his withdrawal, Jackson slammed allegations of improper behavior leveled against him as "completely false and fabricated.""If they had any merit, I would not have been selected, promoted and entrusted to serve in such a sensitive and important role as physician to three presidents over the past 12 years," Jackson said. "Going into this process, I expected tough questions about how to best care for our veterans, but I did not expect to have to dignify baseless and anonymous attacks on my character and integrity."Jackson said he was motivated to withdraw from consideration because the allegations against him "have become a distraction" for Trump and his agenda."Unfortunately, because of how Washington works, these false allegations have become a distraction for this President and the important issue we must be addressing -- how we give the best care to our nation's heroes," Jackson said. "While I will forever be grateful for the trust and confidence President Trump has placed in me by giving me this opportunity, I am regretfully withdrawing my nomination to be Secretary for the Department of Veterans Affairs."Speaking on "Fox & Friends" Thursday morning, Trump said Jackson's withdrawal was not unexpected."I even told him a day or two ago I saw where this was going," Trump told Fox News' "Fox & Friends" over the phone, later adding that "it's a disgrace."The President also said all the allegations against Jackson were false, saying the White House physician's opponents are "trying to destroy a man." 1813