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TAMPA, Fla. — University of Tampa graduate Nneka Jones created a powerful piece of art that became a worldwide sensation in a single day."It's been crazy and humbling," says Jones, a 23-year-old talent from Trinidad and Tobago.Her untitled piece graces the cover of the current Time magazine, a call for equality in the shape of an American flag being restitched and reimagined. "We're reshaping it as a symbol of optimism, of working toward a better future that's more close-knit," says Nneka.Her original piece can be viewed at the Epicurean Hotel in Tampa this Saturday. For tickets, click here.When you see her work, look closer.It's not a painting. It's embroidery. All hand-stitched. The sewing needle is still there. "I don't want you to just look at the artwork simply for aesthetics," says Jones. "I want you to take a message away from it or have a dialogue with the people around you."The activist artist credits this unique approach to a UT professor who challenged her to make a painting — without using paint.Her work on social media, especially a traditional painted portrait of George Floyd, caught the eye of an art director at Time.For a special issue dedicated to social injustice and a push for true equality, all curated by musician Pharrell Williams no less, Nneka was called on for the cover.Due to deadlines, she had just 24 hours to stitch the whole thing."I was like, 'Nneka, what have you gotten yourself into?'" Jones says, laughing about the frenzy to finish.Her work is now generating conversation and debate, all of which she welcomes."I'm getting a lot of support from America, and all over the world," Jones says. "But also where I'm from, Trinidad and Tobago, because I believe I'm the first Trinidadian to be on the cover of Time magazine."This story was first reported by Sean Daly at WFTS in Tampa Bay, Florida. 1894

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

Tax Day is now just two weeks away and the average return is about ,500. It’s tempting to just spend it, but before you do, here are some ideas to make the most of your money.Before you go crazy shopping or spending it on something extravagant, press the pause button. Think about all the things you could do with it, like pay off, or pay down, your debt to create financial freedom and create financial flexibility. 426

TALLAHASSEE, Fla. — A Florida woman was shocked by an early-morning visitor that had made herself at home in her Christmas tree — a raccoon.Early Thursday morning, at about 4:15 a.m., Aubrey Iacobelli was woken up by her dog growling."I have a doggy door and my dog sleeps right in front of that dog door. I hear her going in and out all night. I wake up and I hear her barking outside," Iacobelli said.She asked her Amazon Alexa to turn on the lights, and saw her dog was staring at the Christmas tree and barking."I just knew that there was something there that shouldn't have been there. I see a furry body in the Christmas tree," she said.She grabbed a frying pan to try to get the animal — which she thought was a cat — out of her tree."I didn't want to hurt the animal. I just wanted it outside of the house," she said,That's when the raccoon finally came out of the tree and revealed itself. Iacobelli and her dog spotted the raccoon on the side of the tree and the dog jumped towards it, knocking over the tree.Warning: The video below contains some explicit language."The raccoon ran away from freedom. Jumped on my chandelier where it swung there for like 30 minutes," she said.After chasing the raccoon around her house for an hour, it finally went back outside by using the dog door it had used to enter the house.Iacobelli says her advice to others in a similar situation is to call Animal Control, and just have a sense of humor about the situation.This story was originally published by Savanah Resnick on WPTV in Palm Beach, Florida. 1557

Thank you for reaching out with your questions, we appreciate the opportunity to respond. We want to assure you that nothing is of greater importance than the safety of those using our tampons and our products have been used safely by millions of women over the past 80 years. We have been in touch with the person who originally contacted us and we have been actively looking into the matter. 404