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LAS VEGAS — Right now, many recent high school graduates are facing a tough question — is it worth it to take on tens of thousands of dollars in debt to attend college during a pandemic?The irony of building credit is that it requires taking on debt — and no one wants to take on debt, especially during the pandemic. But according to one credit expert, there are some simple financial moves that parents can make right now to set up their kids for future financial success.Building credit isn't priority number one for kids, but it could open or close a lot of doors down the road."Good credit can make things easier for you in the future, whether it's securing loans, credit cards with better terms and rates. It might even help your ability to land a job or a desirable apartment," said Nathan Grant, a senior credit industry analyst at CreditCardInsider.com.Grant says that even though kids can't open their own bank account until their 18, parents can start teaching kids about credit long before that, perhaps with a prepaid card."Many of those allow for monthly direct deposits. So, you could have their allowance loaded directly on their card, and that could, at an early age, give them a way to understand budgeting and using a card that has a limit on it to teach them better spending habits," Grant said.Then, as children approach adulthood, Grant says that parents should consider making them an authorized user on a family credit card. Even if parents are not ready to let kids make purchases and payments on the card, Grant says just making them an authorized user will help them build credit."Many credit card issuers offer this, and most issuers report the account's activity in the authorized user's name, whether or not they are actually using the account. So, you can add them as a user and not give them access. It will hopefully build their credit up right out of the gate," Grant said.When kids are ready for their own cards, parents shouldn't just pick the shiniest piece of plastic. Grant says a secured credit card could be a safer option for someone with little or no credit."It uses a refundable security deposit that you fund yourself to fund the account's credit limit, upon approval," Grant said. "So, there's less risk on the issuer's part. So, for somebody who is new to credit or doesn't have any credit history, that could get your foot in the door.Grant said he couldn't offer advice either way on whether grads should pay for college with credit. But he said that anyone that decides to take a "gap year" should try to pay off any existing debts and save for the future.For those that do decide to go attend college, Grant has some general advice."The best rule of thumb, on top of just general responsible use, is just try not to use your credit card for purchases you know you won't be able to pay off before that monthly due date," he said. "Not spending beyond your means, that's going to be more valuable in your college years than ever."For more ways to boost your credit score, click here.This story was originally published by Ross DiMattei on KTNV in Las Vegas. 3114
LA MESA, Calif. (KGTV) -- La Mesa residents will finally get the chance to talk about the protests that were followed by violence and looting in May.The La Mesa City Council is hosting a town hall for the community Thursday at 6 p.m.The town hall comes after the city picked a firm to look into how different local agencies handled the incident. City leaders say the goal is to get recommendations to help the La Mesa better respond to emergency situations.On May 30, hundreds of rioters descended on the small La Mesa Village business district setting fire to numerous vehicles and buildings, including a bank and looting business.Looters also struck a Walmart, Target, Vons, and several stores in the La Mesa Springs Shopping Center.The city wants to let community members voice their concerns and ask questions.Community members can submit questions in advance and find a link to the zoom conference HERE 916
LAKE ELSINORE, Calif. (KGTV) — A lack of rainfall this winter in Southern California could spare rural towns known for their "superbloom" springs from throngs of visitors.Riverside County parks official Dustin McLain told The Press-Enterprise that the chances of a "superbloom" in the Walker Canyon area are small after a dry January and February thus far.Last March, thousands of people overwhelmed parts of East County and rural Southern California communities to see how showers brought spring flowers."The Super Bloom has been unlike any event we have ever experienced before," Lake Elsinore Mayor Steve Manos said last year. "The extreme beauty of our hillsides that drew attention from around the world is now diminishing quickly, and our residents sure are eager for things to get back to normal."The season was highlighted by beautiful photos of flowers, but marred with reports of tourists destroying foliage and trails and clogging roadways to see the spectacle. Town were not prepared to handle to influx of visiting guests.California State Parks offers these rules and tips for visitors:Take only pictures, flower picking is prohibitedPick up all trashUnderstand the area; cell coverage may be spottyKnow your vehicle's limitsVisit the parks during the week and arrive early to beat the crowdsCheck weather conditions beforehandBring plenty of food and waterDrink plenty of water before your visit to remain hydrated and avoid heat-related emergenciesThe Associated Press contributed to this story. 1518
LAGUNA BEACH – A Tesla sedan that was traveling in autopilot mode crashed into a parked police vehicle in Laguna Beach Tuesday, according to KABC.Both vehicles were damaged after the crash, which sent the police vehicle sliding onto a sidewalk.The police SUV was unoccupied at the time of the crash and he driver of the Tesla sedan received minor injuries.Tesla previously said that its autopilot systems shouldn’t be used in spots with intersections, stop signs, red lights or suddenly changing traffic patterns.Drivers are also supposed to keep their hands on the wheel to maintain control of the vehicle, Tesla says.The circumstances surrounding the crash are unknown at this time. 692
LINCOLN PARK (KGTV) - Women received free mammograms in Lincoln Park on Sunday.Doctors use a mammogram to look for early signs of breast cancer. The free screenings were available because of Susan G. Komen San Diego. The non-profit parked a mobile screening center in front of City of Hope International Church on Holly Drive. More than two dozen women received mammograms. "It's very important for women to get mammograms because early detection is the best protection, and when breast cancer is caught in its early stage, it's basically 99% treatable," said Wendy Shurelds with Susan G. Komen San Diego.Sunday's screening is one of many. The next screening will be Friday, October 26th at Northgate Market on University Avenue. 767