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TAMPA, Fla. — A middle school student in Hillsborough County, Florida was arrested on Thursday for possessing a loaded firearm on school property.Hillsborough County deputies said the 13-year-old male student brought the firearm to Dowdell Middle School on Thursday.Deputies said a witness saw the firearm in the student's backpack, then saw him place the firearm inside a large tractor tire outside of the school next to the bike rack. The location of the firearm was 516

Student loan and eviction protections, as well as unemployment benefits, are among the host of pandemic related government programs set to end by the end of the year unless Congress acts. The issue is that members of Congress are not scheduled to be in Washington for several weeks between now and the end of the year. Breaks are scheduled over the Thanksgiving holiday as well as over Christmas and New Year's. The leaves just 15 business days to accomplish anything, otherwise these bills will likely go up come January WHAT'S EXPIRING Since March, 40 million Americans have enjoyed suspended student loan payments. That is scheduled to end come January 1st. While President-elect Joe Biden is considering an executive order to continue the program, he doesn't take office until January 20 and bills could be due before then. Additionally, unemployment benefits for independent contractors and the self-employeed, like Uber drivers or gig workers, are set to expire as well. Congress for months has also allowed those recently laid off to enjoy 13 bonus weeks of unemployment, but that program expires December 31 as well. Many states have eviction moratoriums but the CDC order banning evictions ends December 31st. Congress could pass legislation to extend it. Tens of millions could face evictions because of rent issues. WHERE THINGS STANDDemocrats and Republicans remain far apart on passing any legislation between now and January 1. COVID related legislation isn't the only concern either. Funding for the government runs out on December 11 and a bill must be passed to keep the government open before then. One major wildcard is President Donald Trump and what he may demand following his election loss. 1724

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

Students who survived the school shooting in Florida are using their voices to try and spur change. It’s young voices, that haven’t heard before who are speaking up.Seven seniors from Marjory Stoneman Douglas High School — Jack Haimowitz, Ronnie Froetschel, Vincent Frettoloso, Matthew Horowitz, Cole Sumner, Cain DeLima and Joey Mondelli — say they hope the tragedy spurs change.“The day that changed everything,” Mondelli said, when asked how he wants people to remember the day of the shooting.“I don’t want them to look at it as a statistic,” Somner said. “I want people to see this as the last one. I want people to look back at that day because that was the end,” Haimowitz said. These are seven faces of survival, family, and ultimately, they hope, change. “If there’s anyone that can change the outcome of situations, it’s going to be Parkland and we will change it,” Frettoloso said. “It’s tough when you’re by yourself so when you’re all together, it kind of get your mind off it,” DeLima said. Tonight, they’re freshly blonde, for their friend and victim, Joaquin Oliver. “His favorite artist was Frank Ocean, when he dropped his album 'Blonde,' it was about the time Joaquin dyed his hair this color,” Haimowitz said. “He was everyone’s friend.”“That kid didn’t know a single thing about lacrosse and he was out there screaming like he’s been playing it for the last 18 years,” Haimowitz said. On Wednesday, they grew up fast. “It’s a race for maturity. No one really told us there was going to be a starting line or a starting gun, they just expected us to go,” Haimowitz said. First, they will grieve. They have 17 funerals to attend. When the time’s right, perpetuate change. “An assault rifle, that’s a weapon made with intent to murder and harm people. So once we feel ready, we’re going to make our voice heard that our platform is built upon making sure weapons like these can’t get in the hands of people again,” Haimowitz said.  2042

Statistics released by the U.S. Consumer Product Safety Commission on Friday claimed that 10,000 Americans were injured from firework mishaps in 2019, resulting in 12 fatalities.The agency says that 73% of the incidents occurred between June 21 and July 21. While seemingly more harmless than other fireworks, sparklers accounted for a plurality of the injuries, resulting in 900 injuries, half of those were from children under the age of 5.The CSPC said that fireworks killed at least 12 Americans in 2019, several of the deaths happened when victims held and ignited fireworks.With many local firework shows canceled or postponed this summer, there is concern over even more mishaps occurring this summer."Many Americans will not get to see the grand, professional fireworks displays this 4th of July given the cancellations of public celebrations and stay-at-home orders across the country. As an alternative, people are purchasing their own fireworks in an effort to recreate that tradition at home," said CPSC Commissioner Dana Baiocco. "The need for safety awareness regarding fireworks is greater than ever," she said, "and anyone who plans to use consumer fireworks this year should review and follow CPSC's simple safety tips to prevent injuries and incidents."The CSPC issued the following tips for a safe celebration:Never allow young children to play with, or ignite, fireworks, including sparklers. Sparklers burn at temperatures of about 2,000 degrees Fahrenheit—hot enough to melt some metals.Keep a bucket of water or a garden hose handy, in case of fire or other mishap.Light fireworks one at a time, then move away quickly.Never try to relight or handle malfunctioning fireworks. Soak them with water and throw them away.Never place any part of your body directly over a fireworks device when lighting the fuse. Move to a safe distance immediately after lighting fireworks.Never point or throw fireworks (including sparklers) at anyone.After fireworks complete their burning, douse the spent device with plenty of water from a bucket or hose before discarding the device to prevent a trash fire.Make sure fireworks are legal in your area, and only purchase fireworks that are labeled for consumer (not professional) use.For more fireworks safety tips, visit www.cpsc.gov/fireworks. 2308