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The Barron County Sheriff is asking the public for help in the search for 13-year-old Jayme Closs, who went missing after her parents were shot to death in their Barron, Wisconsin home. The sheriff said they need 100 people to help search the intersection of State Highway 8 and 16th Street at 2 p.m. in Barron. Barron County officials will be there to greet volunteers. Closs has been ruled out as a suspect in the double homicide and the sheriff says they believe she is in danger. Volunteers need photo identification and need to be able to walk over uneven terrain. Please wear proper footwear and bring your own water. Once 100 people are available, the sheriff said they will turn everyone else away.  745

Starter credit cards, aimed at those who are new to credit, have been around since at least the 1970s — and they used to be much easier to qualify for.Card issuers once were able to lure young adults, particularly students, with a variety of incentives that federal regulations now prohibit under the Credit Card Act of 2009.“When you started college prior to the Card Act, you could get a Frisbee and a credit card at the same time, or a chance to win a computer and a credit card,” said Rod Griffin, senior director of public education and advocacy at Experian, a credit reporting agency.Credit card eligibility requirements are stiffer now, especially amid the COVID-19-related downturn, as banks tighten lending standards to mitigate risk. It all adds up to more obstacles for those seeking to start the clock on their credit history. About 20% of the U.S. adult population doesn’t have a scorable credit file with the three major credit bureaus, according to a report by the Consumer Financial Protection Bureau.Still, qualifying for a starter card is not impossible, and more options exist today.Eligibility for starter credit cardsThe same CFPB report also notes that credit cards are the most common way to establish a credit file for all income levels and age groups.But age matters in terms of your eligibility for a starter card.IF YOU’RE UNDER 21Applicants generally have to be 18 to apply for a credit card on their own. Applicants under 21 can only report independent personal income, including regular allowances. If you’re a student, you may also report scholarships and grants.“I got the Discover student credit card on the first try,” said Karumi Narasaki, a 20-year-old student based in Indiana and creator of the YouTube channel Rumi’s Life. When she applied for the card, she says she included part-time income from two jobs and school aid received to cover books, rent and food.IF YOU’RE OVER 21Once you turn 21, income restrictions loosen slightly. You can include any income to which you have reasonable access, such as the income of a partner or a spouse, for instance. Income is still a necessary requirement to demonstrate your ability to make payments on borrowed amounts. Other requirements may also exist, depending on the card.If you can’t meet the income requirement at any age, a co-signer could help you build credit with a credit card. You’ll get your own credit card and account, but the co-signer assumes responsibility for the bill if you can’t pay it. Not many issuers allow co-signers on credit card applications these days, but there are still some that do.Types of starter cardsThe ideal starter card should have no annual fee and report your payment history to the three major credit bureaus: TransUnion, Equifax and Experian. These bureaus compile the credit reports that form the basis of your credit scores.Creditors review your credit scores to determine the likelihood that you’ll pay them back. A good FICO credit score of 690 or higher can make it easier to get an apartment, set up utilities and access better interest rates on credit cards or loans, for example.Starter card options may include:AUTHORIZED-USER CARDSCredit cards for authorized users are tied to a primary cardholder’s account. You are issued a card with your name on it, but the primary cardholder is responsible for making the payments. If that person uses his or her credit card wisely, it could reflect well on your own credit history, but double-check with your issuer.“It’s still recommended if you’re going to become an authorized user that you ask the lender if they actually report the account for you,” Griffin said. “If they don’t, it’s not going to help you build a credit history.”SECURED CARDSSecured credit cards are easier to qualify for because they require a cash deposit as collateral, reducing the risk to the issuer. The deposit amount usually determines your credit limit.With a good payment history, you eventually get your deposit back when you close the account or upgrade to a traditional “unsecured” credit card with the same issuer.STUDENT CREDIT CARDSStudent credit cards may require enrollment at a college or university. They also may require that you have at least some existing credit history. You can find exceptions, though.Some student cards may even pack helpful, student-friendly features like waived late payment fees or incentives. Rewards on student cards are uncommon, but some options exist.“I also considered applying for a secured card initially, until I found out there’s a Discover card,” Narasaki said. “It had cash back, which is unlike any of the other cards that I looked up, so I thought it was a pretty beneficial card and it had a lot of perks.”ALTERNATIVE-UNDERWRITING CARDSAlternative-underwriting credit cards have joined the market in recent years with some game-changing approaches. Most of these cards don’t charge a security deposit, and many can use factors other than the traditional FICO scoring model to assess your creditworthiness.If you don’t have a credit history, issuers of these cards may instead look at your employment, income, spending or savings to determine your ability to pay. As a result, they may require government-issued documents, bank account information, employment verification requirements and other details as part of the application process.In some cases, you may not even need a Social Security number to apply, which is helpful for newcomers to the U.S. who have limited options.Starter card alternativesEven with more starter card options on the market, the eligibility requirements may still leave some applicants out. But credit cards aren’t the only way to build a credit history. Some services make it possible to report certain bill payments to the credit bureaus to establish a credit file.For instance, rent-reporting services can record rent payments on credit reports for a fee. Experian Boost records cell phone and utility payments on Experian credit reports for free.You can also consider applying for a credit builder loan.More From NerdWalletIf Credit Card Relief’s a No-Go, Check Out Debt ManagementFor Homeowners, Saving a Down Payment Is Only the Start6 Great Recession Money Lessons That Still Apply TodayMelissa Lambarena is a writer at NerdWallet. Email: mlambarena@nerdwallet.com. Twitter: @LissaLambarena. 6346

Taylor Swift was once the sweetheart of Nashville and a frequent attendee of the CMA Awards.She racked up 11 wins and 26 nominations before crossing over to becoming a global pop star. Since that time she has moved away from her country roots. In fact, she has not seen a CMA nominee since 2014 when she was nominated for Female Vocalist of the Year. She is back on the CMA ballot this year not as a performer but as a songwriter. She wrote Little Big Town's chart-climber "Better Man", which is up for Single of the Year, Song of the Year and featured on a nomination for Album of the Year.Little Big Town is also nominated for Vocal Group of the Year. The Song of the Year nomination is what has Music Row talking about whether they will see Swift at this year's award show. That particular award is given to the writer of the song, not the performer.That means if the song is a winner tonight at Bridgestone Arena it would make sense to see Swift on stage to accept the award.Her last appearance at the show was just a year ago for the 50th anniversary when she presented Garth Brooks with the award for Entertainer of the Year.?Swift is in the middle of a busy week. In the past 24 hours she released the full track list for her upcoming album and also shared videos from a private listening party she had for lucky listeners at home.Swift's new album, "Reputation" drops Friday.To find out if she will make an appearance at the 51st Annual CMA Awards, tune in tonight at 7p.m. (CT) on ABC.  1518

TALLAHASSEE, Fla. -- Governor Ron DeSantis has vetoed a bill that would have raised the minimum smoking age to 21 in Florida.Earlier in the year, the state was poised to raise the minimum age for smoking and vaping to 21. But on Tuesday, in a letter sent to the Department of State Secretary, Gov. DeSantis explained that banning vaping would be "more dangerous" for hundreds of thousands of Floridians who rely on the reduced-risk alternatives to cigarettes.Gov. DeSantis said in the letter that the bill -- Senate Bill 810 -- would lead more people to go back to smoking cigarettes and would "drive others to the hazardous black market."While Gov. DeSantis says it's "an important goal" to get younger Floridians to cut down on vaping, he said in the letter that the goal will not be achieved with the passage of the bill.Prior to being vetoed by the governor, Senate Bill 810 would have also banned sales of flavored vaping products.Below is Gov. DeSantis' letter to the state:Below is the now-vetoed Senate Bill 810:This article was written by KJ Hiramoto for WFTS. 1078

Sticking to a normal daily rhythm -- being active during the day and sleeping at night -- can have more benefits than you might expect.A new study found that it is linked to improvements in mood and cognitive functioning as well as a decreased likelihood of developing major depression and bipolar disorder.The study, published Tuesday in the journal The Lancet Psychiatry, looked at disruptions in the circadian rhythms -- or daily sleep-wake cycles -- of over 91,000 adults in the United Kingdom. It measured these disruptions using a device called an accelerometer that is worn on the wrist and measures one's daily activity levels. The participants were taken from the UK Biobank, a large cohort of over half a million UK adults ages 37 to 73.The researchers found that individuals with more circadian rhythm disruptions -- defined as increased activity at night, decreased activity during the day or both -- were significantly more likely to have symptoms consistent with bipolar disorder or major depression. They were also more likely to have decreased feelings of well-being and to have reduced cognitive functioning, based on a computer-generated reaction time test.For all participants, activity levels were measured over a seven-day period in either 2013 or 2014, and mental health proxies such as mood and cognitive functioning were measured using an online mental health questionnaire that participants filled out in 2016 or 2017."It's widely known that a good night's sleep is a good thing for well-being and health. That's not a big surprise," said?Dr. Daniel Smith, professor of psychiatry at the University of Glasgow and a leading author on the study. "But I think what's less well-known and what comes out of this work is that not only is a good night's sleep important, but having a regular rhythm of being active in daylight and inactive in darkness over time is important for mental well-being."The findings were found to be consistent even when controlling for a number of influential factors including age, sex, lifestyle, education and body mass index, according to Smith."I think one of the striking things that we found was just the consistency in the direction of our association across everything we looked at in terms of mental health," Smith said.Daily circadian rhythm is controlled by a collection of neurons in an area of the brain called the hypothalamus. The hypothalamus helps regulate a number of important behavioral and physiological functions such as body temperature, eating and drinking habits, emotional well-being and sleep, according to the?National Institute of General Medical Sciences.The findings are consistent with research indicating a link between sleep disruptions and mood disorders. A 2009 study, for example, showed that men who worked night shifts for four years or more were more likely to have anxiety and depression than those who work during the day.However, the new study is the first to use objective measurements of daily activity and is among the largest of its kind, according to?Aiden Doherty, senior research fellow at the University of Oxford, who was not involved in the research."This study is the first large-scale investigation of the association of objectively measured circadian rhythmicity with various mental health, well-being, personality and cognitive outcomes, with an unprecedented sample size of more than 90 000 participants," Doherty wrote in an email."Previous studies have been very small (in just a few hundred people), or relied on self-report measures (asking people what they think they do). ... However, this study used objective device-based measures in over 90,000 participants; and then linked this information to standard measures of mood disorders, subjective well-being, and cognitive function," he added.The findings have significant public health consequences, particularly for those who live in urban areas, where circadian rhythms are often disrupted due to artificial light, according to Smith."By 2030, two-thirds of the world's population will be living in cities, and we know that living in an urban environment can be pretty toxic to your circadian system because of all the artificial light that you're exposed to," Smith said."So we need to think about ways to help people tune in to their natural rhythms of activity and sleeping more effectively. Hopefully, that will protect a lot of people from mood disorders."For those who struggle to maintain a consistent circadian rhythm, certain strategies -- such as avoiding technology at night -- have proven to be an important part of good sleep hygiene."Not using your phone late at night and having a regular pattern of sleeping is really important," Smith said. "But equally important is a pattern of exposing yourself to sunshine and daylight in the morning and doing activity in the morning or midday so you can actually sleep properly."Based on the observational nature of the study, the researchers were unable to show causality, meaning it is unclear whether the sleep disturbances caused the mental health problems or vice versa."It's a cross-sectional study, so we can't say anything about cause and effect or what came first, the mood disorder or the circadian disruption," said Kristen Knutson, associate professor of neurology at Northwestern's Feinberg School of Medicine, who was not involved in the study."And it's likely they affect each other in a circular fashion," she added.The researchers also looked exclusively at adults between age 37 and 73, meaning the results may not apply to younger individuals, whose circadian rhythms are known to be different than those of older adults, according to Smith."The circadian system changes throughout life. If you've got kids, you know that very young kids tend to be nocturnal," Smith said. "My suspicion is that we might observe even more pronounced effects in younger samples, but that hasn't been done yet, to my knowledge."But the study adds more credence to the idea that sleep hygiene -- including maintaining a consistent pattern of sleep and wake cycles -- may be an important component of good mental health, according to Smith."It's an exciting time for this kind of research because it's beginning to have some real-world applications," Smith said. "And from my point of view as a psychiatrist, I think it's probably under-recognized in psychiatry how important healthy circadian function is, but it's an area that we're trying to develop." 6496

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