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SPOKANE, Wash. (AP) — They call it the Cosmic Crisp. It's not a video game, a superhero or the title of a Grateful Dead song.It's a new variety of apple, coming to a grocery store near you Dec. 1Cosmic Crisp is the first apple ever bred in Washington state, which grows the majority of the United States' apples. It's expected to be a game changer.Already, growers have planted 12 million Cosmic Crisp apple trees, a sign of confidence in the new variety. While only 450,000 40-pound (18-kilogram) boxes will be available for sale this year, that will jump to more than 2 million boxes in 2020 and more than 21 million by 2026.The apple variety was developed by Washington State University. Washington growers, who paid for the research, will have the exclusive right to sell it for the first 10 years.The apple is called Cosmic Crisp because of the bright yellowish dots on its skin, which look like distant stars."I've never seen an apple prettier in the orchard than these things are," said Aaron Clark of Yakima, whose family owns several orchards in central Washington and has planted 80 acres of Cosmic Crisps.The new variety keeps for a long time in storage and in the refrigerator, said Kate Evans, who runs the breeding program at Washington State University.And it's an exceptionally good "eating apple," she said. "It's ultra-crisp, very juicy and has a good balance of sweetness and tartness."Cosmic Crisps are a cross between the disease-resistant Enterprise and the popular, crunchy Honeycrisp varieties. The Honeycrisp, nicknamed "Moneycrisp" by some growers, was the latest apple to spark a big buzz in the United States when it was introduced a couple of decades ago. It was developed by the University of Minnesota."This apple (Cosmic Crisp) has a good opportunity to be a hit with a lot of people," said Clark, a vice president of Price Cold Storage, a company with orchards and fruit warehouses throughout central Washington. "It better be, because we are going to have a lot of them."Apples are a .5 billion a year business in Washington, which grows about 60% of the nation's supply, or nearly 140 million boxes. The top varieties are Gala (23, Red Delicious (20%) and Fuji (13%).Apples are grown in the arid valleys and brown hillsides of central Washington, a few hours east of Seattle, and watered by irrigation projects.The state has around 1,500 apple growers and 175,000 acres of orchards. About 50,000 people pick some 12 billion apples by hand each fall. The fruit is exported to 60 countries.With so much success, why was a new apple variety needed?"A new apple brings excitement," said Toni Lynn Adams, spokeswoman for the Washington Apple Commission, which markets apples internationally. "A new variety can reinvigorate a market and industry."Washington growers, who had watched the market share for sometimes mushy Red Delicious apples plummet over time, were looking to replicate the success of the Honeycrisp, Adams said."It's going to shake things up in a great way," Adams said. "We're expecting it to increase in volume rapidly."Adams could not speculate on how much Cosmic Crisp apples will cost per pound."Better quality makes for better returns," said Clark, the grower. "This is a for-profit deal, man. We're trying to make some money with it."Remarkably, this is the first apple variety developed in Washington state, which has been known for apples for more than a century.Scientists at WSU's Tree Fruit Research Center in Wenatchee spent 20 years breeding the desired apple tree seeds. In addition to helping pay for that research, apple growers need a license to buy the trees and pay a royalty on sales of the fruit.The trees take three years to produce a crop, said Kathryn Grandy, a member of the team marketing the apple."This will be the largest launch of a single variety ever, globally," she said, and it's backed by a .5 million marketing budget.Consumers will not have trouble finding the variety, said Grandy, who works for a company called Proprietary Variety Management and is based in the town of Chelan, in the heart of apple country.Work on developing the variety began in 1997, said Evans, of Washington State University. The process of cross-hybridization has been used to breed plants for hundreds of years, Evans said, and is quite different from the more controversial genetic modification methods."The goal, in my opinion, is to get more consumers eating apples," she said. "Ultimately that is the goal of any plant breeder." 4507

Some big companies are giving out holiday bonuses as they work to keep employees.Walmart says it will pay 0 to full-time workers and 0 to people working part-time at the end of the month. Amazon says it's also giving workers the same amount of money for a bonus this month.No surprise, a bonus is what workers want, especially this year. A new survey from LinkedIn finds more than half of people want a bonus over other seasonal activities or celebrations.Separate research from staffing agency Robert Half found 54% of workers expect to get a year-end bonus.If that's not the case with your employer, you need to be realistic about why.“You really want to understand why the company didn't give out bonuses. Is it because the company is struggling right now and they did not want to give bonuses, so they wouldn't have to make layoffs? Or is it just that they're really restructuring the review cycle and planning to do bonuses at a different time of year?” said Blair Heitmann, a LinkedIn career expert.If you're not getting a holiday bonus, consider if a raise is an option in the new year.LinkedIn's career expert says you need to ask yourself if it's the right time for you. That means finding out if you earn less than other people doing your job. Also have you taken on more responsibility or demonstrated big wins lately? Are you close to getting promoted?“You really want to demonstrate the value that you bring to the company. What you don't want to do is go in and share a laundry list of things that you may have done that day. What impact do you bring to the business?” said Heitmann.If you determine it isn't the best time to ask for a raise, you can still get ready now for when the timing is better. You could do that by stepping up to help a co-worker or helping with morale at your work. 1819

Some credit mistakes are a lot worse than others. Little ones, like paying a credit card bill a day late, may cost you a penalty fee, but that’s a relatively minor irritation — it’s not going to stand between you and a mortgage. Other seemingly small slip-ups can lead to full-fledged disasters.What makes a credit mistake haunt you?Some things can be reversed quickly. Running up credit card bills can tank your credit score, for instance, because the portion of your credit limits you’re usingis weighed heavily in credit scoring. But when you pay down the debt, the damage disappears as lower balances get reported to the three major credit bureaus, Equifax, Experian and TransUnion.Mistakes that have long-running ripple effects hurt the most, says credit expert John Ulzheimer. A late payment, for example, can get sent to a collection agency, then perhaps grow into a repossession or bankruptcy. Those batter your credit and stay on your credit record for years. Likewise, co-signing a loan for someone who is later unable to pay can hamstring your finances for a long time.Common mistakes that can hurt your financesMissing a payment: A payment that’s a little late might cost you a penalty fee, but your credit score won’t suffer because creditors can’t report your account as delinquent until it’s 30 days past due. If you have a high score, going 30 days late can knock as much as 100 points off your score — and it stays on your credit report for seven years. The damage gets worse if you let the account slide to 60 days past due, 90 days past due or more. Your score can recover, but it will take time. Catching up on that account, and keeping all other payments up to date and balances low, can help.Raiding retirement funds to pay debt: Most people don’t want to file for bankruptcy. Almost half of Americans say they would not file no matter how much credit card debt they had, according to a recent study commissioned by NerdWallet. Bankruptcy attorney Roderick H. Martin of Marietta, Georgia, says some of his clients have tapped — or even emptied — retirement savings in a desperate attempt to stay afloat. That often just delays the inevitable — “then they turn around and file for bankruptcy,” he says. Retirement savings are typically protected in bankruptcy, but money already withdrawn cannot be recovered.Co-signing a loan: Aaron Smith, a financial planner in Glen Allen, Virginia, says co-signing so a friend or relative can get credit is often a mistake. “My personal and professional opinion is if they can’t get it on their own, there must be a problem,” he says. If the primary borrower doesn’t pay as agreed, it can leave both your relationship and your credit in tatters. Even if the borrower repays as agreed, remaining on the loan can limit your borrowing capacity. Before you co-sign, ask if you can be taken off the loan at some point.Sometimes doing nothing is the mistakeWe may think we’re too busy to trouble ourselves with fine print or financial chores. Either can come back to bite us.Not checking your credit: “I think checking your credit is like going to your dentist for a cleaning,” says Elaine King, a certified financial planner and founder of the Family and Money Matters Institute. “You need to make a habit of doing it. If you wait too long, there can be some rotten stuff there.”A credit report isn’t exciting reading; it’s a summary of your past handling of credit. But “boring” is what you want — anything you didn’t expect to see is worth investigating in case it’s an error or a sign of fraud. Through April 2021, you can get a free credit report weekly from the three major credit bureaus by using AnnualCreditReport.com. Plan to check at least annually, and more often is better.Ignoring the details: Not knowing your credit cards’ interest rates or when a 0% interest rate ends can cost you.Knowing interest rates can tell you which card to use when you’re paying for a new transmission and need to carry that balance for a while, for instance. Knowing when a teaser rate ends can help you ensure you’ve paid off the balance by then. It’s important to read the fine print. Some cards — primarily store cards — charge deferred interest if there is still a balance at the end of the introductory period. That means the “savings” from the teaser rate are added to your balance, wiping out any benefit.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletSmart Money Podcast: Remote Work Burnout and Saving for CollegeI Refinanced My Mortgage. Here’s What Happened to My Credit ScoreA New Set of Shopping Tips in the PandemicBev O’Shea is a writer at NerdWallet. Email: boshea@nerdwallet.com. Twitter: @BeverlyOShea. 4739

ST. PETERSBURG, Fla. – An NFL wide receiver has been charged in connection with an alleged scheme to file “fraudulent loan applications” to get COVID-19 relief money from the Paycheck Protection Program (PPP).Joshua Bellamy, 31, is facing federal charges for wire fraud, bank fraud, and conspiracy to commit wire fraud and bank fraud. According to the U.S. Justice Department, the former Bears receiver conspired with others to get millions of dollars in Paycheck Protection Program (PPP) loans, which he then spent on luxury items.The DOJ said in a press release that Bellamy applied for an received a PPP loan of more than .24 million for his company, Drip Entertainment LLC. Bellamy then allegedly spent more than 4,000 in luxury goods from Dior, Gucci and retail jewelers “using proceeds of his PPP loan,” DOJ said in a press release.Bellamy is also accused of spending more than ,000 in PPP loan proceeds at the Seminole Hard Rock Hotel and Casino and withdrew more than 2,000, the DOJ alleges.Bellamy is a native of St. Petersburg, Florida and played collegiately at Louisville. Though he went undrafted, he eventually caught on with the Chicago Bears and started 57 games for the team between 2014 and 2018. He spent last season with the New York Jets, and his season ended early after he injured his shoulder. The injury was expected to sideline him for the 2020 season, and the Jets released him from the team on Tuesday.Bellamy has caught 78 passes for 1,019 yards and five touchdowns throughout his NFL career.Ten others were also charged in the alleged fraud scheme:Tiara Walker, 37, of Miami Gardens, FloridaDamion O. Mckenzie, 38, of Miami Gardens, FloridaAndre M. Clark, 46, of Miramar, FloridaKeyaira Bostic, 31, of Pembroke Pines, FloridaPhillip J. Augustin, 51, of Coral Springs, FloridaWyleia Nashon Williams, 44, of Ft. Lauderdale, FloridaJames R. Stote, 54, of Hollywood, FloridaRoss Charno, 46, of Ft. Lauderdale, FloridaDeon D. Levy, 50, of Bedford, Ohio,Abdul-Azeem Levy, 22, of Cleveland, OhioThis story was originally published by WFTS in Tampa, Florida. 2100

So very proud of our players, all Texas student-athletes, our entire student population and university leadership. They will forever be known for being responsible for tangible, positive change on our great campus. Today is a great first step. #HookEm ???? https://t.co/ftYQpgPk3G— Coach Tom Herman (@CoachTomHerman) July 13, 2020 338

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