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CLAIREMONT, Calif. (KGTV) — Dean Dobbins, of Clairemont, knows a thing or two about putting together a worthy set of Halloween decorations.For one, he's an electrician. For two, he's passionate about delivering for the neighborhood every year.Flashing lights, music, and animatronics make up Dobbins' yard on Channing Street."I get a lot of parents that thank me for putting on a large display. The children have a place to go to," Dobbins said.RELATED: 461

Cincinnati Firefighters currently operating at Vine St and Central Pkwy, motor vehicle accident with entrapment. pic.twitter.com/UQ2xD24XEy— Cincy Fire & EMS (@CincyFireEMS) December 2, 2020 202

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

Country music legend Dolly Parton has a holiday movie coming to Netflix.Parton announced the news Tuesday on Twitter."Christmas on the Square is more than just a song, it's also a musical! Watch my newest movie, directed by Debbie Allen and starring Christine Baranski, Jenifer Lewis, and so many other talented folks, November 22 on Netflix." 351

Cyberbullying among kids related to the election is a growing problem right now. And with how divisive things are, there are concerns this won't be going away after the polls close next week.“This is a very, very polarizing and almost even more in front of kids’ faces, election than any other time in history,” said Titania Jordan with Bark Technologies.Bark Technologies currently monitors more than 5 million kids online at home. Its monitoring shows from mid-August to the end of September, there was a 25% increase in bullying overall from the beginning of July. And there was a 220% increase in severe bullying.You'd expect to see this with the start of the school year, but the numbers show this is about a 50% increase from what Bark typically sees over this period.They say the feedback they've received from parents supports the increase with a direct tie-in to election-related cyberbullying.“It’s not something that she gets to judge over or bully over or make people feel bad about,” said Kathryn Noble, whose daughter was impacted by cyberbullying. “That's not acceptable at any age but especially at 13.”Noble says her 13-year-old daughter recently blocked one of her friends on social media over them supporting a different candidate than her.Bark found around 45% of what kids are sharing is memes about the two candidates. They've found this month that messages including the word “Trump” are being flagged more frequently for depression, hate speech and weapons.Messages including the word "Biden" are being flagged more frequently for cyberbullying, because they include disparaging or belittling language.“They're being bullied even because of maybe something their parents have said or something their family says,” said Matt McKee at Bark Technologies. “Hey, this is where we stand right now and because of that, kids are being brought into those situations.”As far as addressing this cyberbullying, the tech experts we talked with say asking your kids to teach you about a certain app they are using will give you more insight into what's happening earlier.Things to watch for include changes in sleep patterns or behavior. They also say now is really the time to encourage empathy with your kids. 2229

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