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after the Trump administration imposed tariffs on Chinese goods.For Mark Ulness and his family from Manitowoc County, Wisconsin, it's the one time of year their hard work in the barn gets recognized by the masses.Some dairy farmers said being at the Wisconsin State Fair is a getaway from the everyday issues their industry is facing."We make sure (the cows are) fed before we eat a lot of times," Ulness said.As a fifth-generation dairy farmer, Ulness has seen the ups and downs of the industry, but nothing quite like the challenges of the last five years."As a family farmer, it's tough to see friends and neighbors go out, but we understand the struggles that they're going through," he said.Ulness said those struggles started when dairy prices plummeted in 2014 due to a milk surplus. Tariff implications over the last few years have only made the industry's outlook grimmer.According to the U.S. Department of Agriculture, Wisconsin lost 700 dairy farmers last year. It is the topic at the center of many political debates."Some of the farmers are really doing well," President Donald Trump told a crowd in Milwaukee a few weeks ago. "We're over the hump, we're doing really well, and in the meantime our government has billions of dollars pouring in and that money is paid for by China.""The farm foreclosure capital of the United States is, unfortunately, America's dairyland, Wisconsin," said Democratic National Committee Chair Tom Perez.Heather Larson of Darlington, Wisconsin knows of fellow dairy farmers dealing with more than money issues."He had two friends already this year commit suicide because of dairy farming," Larson said.Ulness is thankful his farm is still afloat, but it's come with sacrifices."My wife has a job off the farm, and a lot of times she'd prefer just to be at the farm working," he said.This story was originally published by Ben Jordan on 1883

flood waters, brought by Tropical Depression Imelda, to deliver food to stranded Houston drivers. Ryan Anthony is one of several drivers stuck on northbound I-45 just north of 610. He said employees at a nearby Chick-fil-A walked through the water and delivered food to the drivers stuck on the highway. 306

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

With various areas of the US under an air quality alert due to recent wildfires, dog owners now have a way to protect to their pets from wildfire smoke.The K-9 Mask, which officially launched in 2019, uses four layers of air filtration to block smoke particles from entering dogs’ lungs. It is shaped like a muzzle to fit over the dog’s mouth and nose.The masks come in four sizes and retail for .99 on its website.In Fall 2018, Evan Daugherty and Kirby Holmes began testing prototypes for the mask amid wildfires in California.After a successful test, Daugherty and Holmes used a crowdfunding campaign to fully fund the project. After 175 donors gave the duo more than ,000, they were able to produce and distribute the K-9 mask starting in 2019.Both the EPA and American Veterinary Medical Association say that smoke from wildfires can be harmful for pets.“Animals with cardiovascular or respiratory disease are especially at risk from smoke and should be closely watched during all periods of poor air quality,” the American Veterinary Medical Association says.The American Veterinary Medical Association recommends pet owners look for the following symptoms amid wildfires and times of poor air quality:Coughing or gaggingDifficulty breathing, including open mouth breathing and increased noise when breathingEye irritation and excessive wateringInflammation of throat or mouthNasal dischargeAsthma-like symptomsIncreased breathing rateFatigue or weaknessDisorientation or stumblingReduced appetite and/or thirst 1530

in Las Vegas uncovered dangerous conditions on high school football fields. In response, a celebrity from Las Vegas jumped in to help support student safety."The Jeopardy Champion James Holzhauer happened to see Darcy Spears' article," says Rancho High principal Dr. James Kuzma. "And they became interested in the fact that many of our fields had some issues with safety -- especially Rancho's field -- which you know is being replaced. They were motivated to donate ,000 to our school today!"Dr. Kuzma is thrilled to score the generous gift. "We do the best we can with what we have but we can't do anything without community support," he says.The Holzhauers say they're committed to Las Vegas and want to make a difference."And I saw Darcy's article and it really put a bee in my bonnet," James' wife Melissa explains.Helping young people is the Holzhauers' passion."These are our kids that are suffering these horrible injuries," says James, "...potential brain damage from something that could be so easily prevented."Our story uncovered how the five football fields in CCSD with artificial turf are years beyond the warranty and expected life cycle.It also appears the fields were not properly maintained or safety-tested according to industry protocol. G-Max testing is critical for player health and safety. And proper maintenance protects the taxpayer's investment.Rancho Assistant Principal and Athletic Director Gabrielle Crawford closed the school's football field when tests showed it wasn't safe.Her heart goes out to the team this season. She says they've stuck together, worked hard "...and they're the ones practicing in all that equipment in 115 degrees in the summer and they don't get to use the field," Ms. Crawford says.The Rancho field is slated to be replaced for next season.In the meantime, the Holzhauers say Rancho can use the ,000 wherever it's most needed for athletics.And they challenge others to join in and help out."It's important to remember we have a lot of schools in other areas that need help. So for a call to action," says Melissa. "You don't have to pick Rancho! You can pick Rancho!. But also just any way that people can help to give back. From my understanding talking to [Darcy's producer] and Darcy there are a lot of unsafe fields throughout our community. And lots of ways that people can help.'While the Holzhauers are committed to helping youth, we're committed to accountability.Once again we asked the District for G-Max testing results and maintenance schedules for all five turf fields to try and track how things got so bad. They told us Indian Springs had one G-Max test back in 2008 when the field was installed, but then nothing for any of the schools until this year after Rancho raised alarm bells and forced action. We're also still waiting for details on how much the replacement fields will cost, what company was selected and what the district's plans are for making sure fields are properly tested and maintained.This article was originally written by Jordan Gartner for 3047