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at an El Paso, Texas, Walmart. Army Private First Class Glendon Oakley Jr. was shopping when it happened.“I’m thinking, if I have a child, what I would want somebody else to do,” said Oakley, 22. The soldier ran toward the sound of gunfire.“I have my license to carry, so I just pulled out my gun and I’m in the military as well. So we’re trained to when you’re in danger, you pull out your weapon. You find cover, you save whoever you can,” said Oakley. When he arrived, he saw children separated from their parents scrambling to find safety. He began scooping up children.“I tried to get other people, you know, to grab other kids but they’re so worried about themselves, they’re gone,” Oakley said. Taking as many as he could carry, he brought the children outside to safety.Even after the shooting had come to an end, his focus wasn’t on himself. Instead, he worried about the children that will remember this day for the rest of their lives.Many turned to social media to express their thanks for Oakley's brave service."We salute you, Private First-class Oakley. Thank you," the Sheriff's Association of Texas wrote in a Facebook post. 1143

You see your phone light up from the corner of your eye and instinctively reach for it. What started as a simple notification check snowballs into an hour-long session as you swipe through rows of notifications and scroll through endless social media feeds.This is by design.From app developers to tech behemoths such as Google and Facebook, companies have spent years working to make consumer technology as addictive as possible. After all, time spent with their products could equal big bucks for the company.However, that's starting to change, and we could be at the precipice of a shift in how software is designed. Apple and Google are implementing new features aimed at curbing phone usage, and apps like Instagram are rolling out features intended to help you manage your time with the app better.So, why are they doing this, and is it enough?Tristan Harris previously worked at Google as a design ethicist, and he saw first-hand how developers worked to capture people's attention and hook them in. He was part of the infamous "Facebook Class" from Stanford. Led by instructor BJ Fogg, who oversaw the Persuasive Technology Lab, they studied how to "persuade users to take certain actions," according to Wired.com. The article stated that the class "developed the techniques to make ... apps and gadgets addictive" and that members of the class went on to create Instagram and design products at companies such as Google, Facebook and Uber.Fogg told CNN that he disputes the characterization that his class taught people to create addictive technology.Speaking about his time working at Google, Harris told NPR's TED Radio Hour that "at the end of the day, it was about capturing attention.""You know, how would we hook people into spending more time on the screen or driving more page views or getting people to click on ads?"After leaving Google in 2016, Harris went on to found a nonprofit that is now called the Center for Humane Technology, and he started the "Time Well Spent" movement."With Time Well Spent, we want technology that cares about helping us spend our time, and our lives, well -- not seducing us into the most screen time, always-on interruptions or distractions," Harris says.The movement made waves in Silicon Valley and set in motion a sea change in the tech industry. 2333

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

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 down payments less than 10%, you’ll pay mortgage insurance for the life of the loan. With a loan-to-value equal to or greater than 90%, you’ll pay the premiums for 11 years. 181

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