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Congratulations to President-elect Biden. Everyone should want our president to succeed because we need our country to succeed. We have great challenges ahead of us as a country. Now more than ever, we need to come together as Americans.— Governor Larry Hogan (@GovLarryHogan) November 7, 2020 301
CLEVELAND — Who’s been at a store buying holiday gifts and then the cashier asks, “do you want to sign up for our credit card today?” They might offer a discount or something else, but should you sign on the dotted line?“They make it easy. They really make it easy,” Leanne Smith said.Smith is from Solon and knows how stores can tempt you with their credit cards, but she’s sticking to her Target Red Card for now.“I don’t think it’s a responsible thing for me to have one at every store,” she said.Tedd Rossman from CreditCards.com said that if you ever plan on carrying a balance, store cards aren’t going to be the best option for you.“While sometimes these store cards can work for you, most of the time, they’re not the most consumer-friendly option,” Rossman said.That’s because Rossman says the average store credit card has an interest rate of 25%, some as high as 29.99% such as Discount Tire, Big Lots and jewelry store cards like Kay Jewelers.“These cards are not as selective about credit quality, which is why the retailers and their bank partners say they have to charge such high-interest rates,” Rossman said.CreditCardInsider.com recently rated various popular store cards based on various things like interest rates.Here are those results:Target - 24.4%Old navy - almost 26% (25.99%)Walmart - roughly 18-27% (17.99%-26.99%) interestNathan Grant from CreditCardInsider.com said you shouldn’t just sign-up at the checkout on a whim even if there’s a discount offered or cashback incentives.“The percentage of interest you’re paying might end up calculating to be more than what you got from spending on the cards,” Grant said.According to Grant, some of the better retailer cards are:Amazon prime cards with lower interest rates—5% back on Amazon purchases and gift cards when you sign up. Target—higher interest rate, but 5% back. And the only one rated excellent is Costco’s card, which has a 15% rate and various cash back options and good rewards on gas purchases.But keep this in mind: In a survey of nearly 3,000 shoppers nationwide, more than 40% said they regretted signing up for a retail credit card. Plus, one out of five in the survey said they carried a balance from the last holiday season, and more than 50% said they’ve paid interest on a retail store card.“That’s kind of like a wake-up call even to myself to be like I got to make sure that I’m always smartly shopping if I’m using credit cards,” Grant said.For Smith, she said she’s only carried a balance a couple of times in the past 20 years because she knows “if you can’t pay it, you really shouldn’t buy it just because you have a credit card.”Retail credit cards can give you benefits especially if you’re loyal to the business. It could help you build credit, but you’ll want to pay off your balances every month and spend responsibly.And another thing to watch out for is deferred interest. Even if you owe just one dollar by the time the term ends, you could end up paying interest on the entire amount you initially financed.This story originally reported by Jonathan Walsh on News5Cleveland.com 3102

CINCINNATI -- Vice President Mike Pence will be in Cincinnati today to promote Ohio Attorney General Mike DeWine in his race for governor and to deliver remarks at a "Tax Cuts to Put America First" event.Pence is scheduled to arrive at the Cincinnati/Northern Kentucky International Airport around noon.After his arrival, he will be at a Mike DeWine for Governor event to promote DeWine in his race against Richard Cordray.President Donald Trump has been supportive of DeWine in his race for governor and endorsed DeWine via Twitter in May writing: 556
CLEVELAND — A book club geared towards senior citizens is helping older Ohioans feel less alone during the coronavirus pandemic.Meet Ann Kuula. Like so many seniors this year, the coronavirus pandemic has left Kuula isolated — separated from family and friends through necessity.Her birthday celebration consisted of her kids singing to her in her front yard.“My oldest son Matt made his first cake and wrote ‘Sweet 16’ because, at age 79, 7 and 9 is sixteen,” Kuula said.So when Kuula got the chance to take part in a pilot program book club for seniors, she couldn’t wait.“When I got the book, I couldn’t put it down,” she said. “Keeping our mind busy!”That could be crucial for older Americans amid the pandemic. According to a Washington Post report, doctors have reported increased falls, pulmonary infections, depression and sudden frailty in patients who had been stable for years.“Human connection is a huge piece of what keeps us healthy,” said Ann Smith, executive director of Books @ Work.Books @ Work isn't a typical book club.— they team up with professors who help facilitate the discussion, in this case, one from Kent State University. The idea came from the Literacy Cooperative, a Cleveland-based nonprofit.They got in touch with seniors who wanted to take part through the Cleveland Department of Aging.“But because most of the folks who participated in this program don’t have internet access, don’t have computers, we actually did this one by phone,” Smith said.Group leaders hooked up a specific phone line that the seniors could call in to — and then, they let them talk. Their first book? "The Only Woman in the Room" by Heather Terrell— a historical novel about a brilliant female scientist only remembered for her beauty despite her many contributions to modern society.“The fact that people were able to connect even over the phone, just as disembodied voices and yet they still opened up tremendously,” Smith said. “Some of them shared very personal experiences.”Even from miles away, through the most basic of technology, books can bring people together.“Meeting these people over the phone was so enriching,” Kuula said. “And that’s what older people need — socialization, reminiscing, and enrichment.”Right now, the program is looking for funding to support more rounds of participants since the books were sent to the seniors free of charge.This story was originally published by Homa Bash on WEWS in Cleveland. 2451
City officials voted unanimously on Thursday to install two new rainbow-painted crosswalks to show support for the LGBTQ community in Phoenix. The vote was in response to interest by community groups after noting several other cities across the country have installed rainbow crosswalks as a symbol of inclusiveness with the LGBTQ community. "Phoenix values and embraces its LGBTQ brothers and sisters," Mayor Greg Stanton said. "Phoenix is committed to ensuring equal treatment and rights for everyone and showing our support because we know diversity makes us stronger." The proposed rainbow crosswalks would be installed at two existing pedestrian crosswalks, located at Central Avenue and Portland Street, and the other at the crossing of 7th and Glenrosa avenues. The Phoenix Pride Community Foundation, one-n-ten, and Aunt Rita's Foundation have offered to cover the costs of materials, installation and ongoing maintenance for the rainbow-painted portions of the crosswalks that are not already maintained by the city. All three groups are non-profits that serve and assist LGBTQ individuals and the community."The City of Phoenix has always maxed out its score on the equality index. They've been longtime supporters of not only one n ten but Phoenix Pride and all of our LGBTQ organizations," said Travis Shumake, with one-n-ten. "Several corporations have gotten behind us to say we'll help you maintain that crosswalk. If you can make it happen we'll figure out how to make sure its paid for so our youth feel welcome in this vibrant city."City staff will work with these organizations to help provide specifications for design, materials, installation, and maintenance. 1746
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