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LAS VEGAS — Right now, many recent high school graduates are facing a tough question — is it worth it to take on tens of thousands of dollars in debt to attend college during a pandemic?The irony of building credit is that it requires taking on debt — and no one wants to take on debt, especially during the pandemic. But according to one credit expert, there are some simple financial moves that parents can make right now to set up their kids for future financial success.Building credit isn't priority number one for kids, but it could open or close a lot of doors down the road."Good credit can make things easier for you in the future, whether it's securing loans, credit cards with better terms and rates. It might even help your ability to land a job or a desirable apartment," said Nathan Grant, a senior credit industry analyst at CreditCardInsider.com.Grant says that even though kids can't open their own bank account until their 18, parents can start teaching kids about credit long before that, perhaps with a prepaid card."Many of those allow for monthly direct deposits. So, you could have their allowance loaded directly on their card, and that could, at an early age, give them a way to understand budgeting and using a card that has a limit on it to teach them better spending habits," Grant said.Then, as children approach adulthood, Grant says that parents should consider making them an authorized user on a family credit card. Even if parents are not ready to let kids make purchases and payments on the card, Grant says just making them an authorized user will help them build credit."Many credit card issuers offer this, and most issuers report the account's activity in the authorized user's name, whether or not they are actually using the account. So, you can add them as a user and not give them access. It will hopefully build their credit up right out of the gate," Grant said.When kids are ready for their own cards, parents shouldn't just pick the shiniest piece of plastic. Grant says a secured credit card could be a safer option for someone with little or no credit."It uses a refundable security deposit that you fund yourself to fund the account's credit limit, upon approval," Grant said. "So, there's less risk on the issuer's part. So, for somebody who is new to credit or doesn't have any credit history, that could get your foot in the door.Grant said he couldn't offer advice either way on whether grads should pay for college with credit. But he said that anyone that decides to take a "gap year" should try to pay off any existing debts and save for the future.For those that do decide to go attend college, Grant has some general advice."The best rule of thumb, on top of just general responsible use, is just try not to use your credit card for purchases you know you won't be able to pay off before that monthly due date," he said. "Not spending beyond your means, that's going to be more valuable in your college years than ever."For more ways to boost your credit score, click here.This story was originally published by Ross DiMattei on KTNV in Las Vegas. 3114

Lisa Kendall and Doug Spainhower have spent years, along with their neighbors, working to make their neighborhood more safe from wildfires.“The less burnable material that you have, then the more likely your house is to survive a wildfire," said Kendall.They’ve been clearing the area around their entire neighborhood in the Rocky Mountains of Colorado, which has one road in and out and is surrounded by forests, with dead trees, downed trees and debris.“You have this home, you paid money for it, it only costs a little bit more to do this defensible space work to give these firefighters a chance to be able to defend your home,” she said.“I’ve been right in the middle of forest fires, so it scares the hell out of me,” Doug Spainhower said. He grew up in Northern California, another hot spot for wildfires.“It’s important that everybody is on board because if only half of the residents buy into it, then the other half doesn't, well if their house catches on fire and you’re next door, your house is going to burn down too. There’s no two ways about it,” Spainhower said.“Recognize it can happen to you,” Kendall said. “Even all this preparation and all this work we’ve done over the years, it’s not a guarantee.”2020 has been one of the worst wildfire seasons on record in the western U.S., from winery-scorching blazes in Northern California to 100,000 acres burned in 24 hours by the East Troublesome Fire in Colorado, to fires biting at backyards in Southern California. Oregon and Washington have seen a number of fires this season too, among other states. All leveling homes and putting entire neighborhoods at risk.“As the west has developed and we have seen communities grow that are on the edge of the forest or surrounded by natural wooded areas, we have complicated the problem of wildfire and the threat wildfire poses to people's homes, our communities,” said Steve Lipsher, Community Resource Officer for Summit Fire & EMS. “Mitigation is our way to try to claw back a little bit and protect those areas.”Mitigation efforts include reminding land owners of defensible space, to clear cuts of trees down in conjunction with the forest service.“We’re all working towards this idea of a fire resistant, fire adapted community. One that can withstand a fire. We’re not there yet,” Lipsher said. “But I think we have made some truly innovative strides.”An example lies just north of Downtown Frisco, where Summit Fire & EMS is located. Lipsher said they completed a controversial clear cut around a neighborhood as a precaution, but that cut played a part in saving those homes from the Buffalo Mountain Fire in 2018.“It was a human-caused fire,” Lipsher said. The fire burned up to just a football throw from nearby homes. “When this fire started here, [the clear cut] was the saving grace for this neighborhood,” he said.Scorched trees are still standing today.“We’re seeing some unprecedented fire behavior and some really extreme fire behavior that, as a forester and a firefighter, we just haven't really seen in our lifetime managing these forests,” said Ashley Garrison, a Forester with the Colorado State Forest Service. “The effect these wildfires can have on the environment can really have these cascading event when they are these intense, large fires.”Garrison and Lipsher are just two of the men and women who spend their days working on wildfire mitigation, something Summit County has been focused on for more than a decade.“It’s been 15 years now since Summit County developed one of the first community wildfire protection plans,” Lipsher explained. “It was one of the first developed in the state and in the country.”As for making a community fireproof, that may be unachievable. “Quite frankly I think that will probably be a never ending quest,” he said. “Our existential threat here is wildfire. It's no different if you lived in Kansas with the threat of tornadoes, or if you lived in Miami and it’s the threat of hurricanes.” 3981

LARGO, Fla. — The family of Linus Phillip, a man killed by a Largo Police officer in Florida on Friday, is accusing detectives of using the dead man's finger to gain access to his cell phone.On Friday, police approached Phillip's car at a WaWa gas station in Clearwater. Police said the vehicle he was driving had illegally tinted windows. While standing near Phillip's car, the officers claim they smelled the odor of marijuana coming from the vehicle. Police claim Phillip tried to drive away and use his car as a deadly weapon. One officer, Matthew Steiner, says he was dragged by the car when he tried to open the door and feared for his life.Phillip was shot and killed by police. He did not have a gun in his possession. Steiner, a seven year veteran with no disciplinary action against him, was injured during the incident but is OK.Phillip's family is demanding surveillance video from the incident at the WaWa gas station in Clearwater where he was killed. Police claim the encounter was not caught on video, only officers giving Phillip CPR.The family lawyer, John Trevena was surprised."There was no denial of the video to the family so this is the first I've heard of that," said Trevena.The family also claims that detectives used Phillip's lifeless finger to access his phone at the Sylvan Abbey Funeral Home."So they are allowed to pull him out of the refrigerator and use a dead mans finger to get to his phone. Its disgusting," said Armstrong.Police did not comment on the allegations, citing that there is a still an active investigation into the case.Phillip's mother, Martha Hicks started crying during an interview on Wednesday."They killed him after his 30th birthday. Oh god, he turned 30 on March 11," Hicks said. "It's too much too much we just want to know what happened."The couple has two children together. Their young daughter lost her battle with leukemia last year.Their son, Isaac is 16 months old."My son is no longer going to go have a father, or to make his dad proud. He's not here anymore because of this and the police are slandering his name like some awful person," said Armstrong. "We are fighting to find out what happened." 2240

LAKE ELSINORE, Calif. (AP) - Lake Elsinore’s Walker Canyon, site of a magnificent super bloom of poppies, reopened Monday after “Disneyland size crowds” overwhelmed the small Southern California city, creating what officials called a “miserable situation.” Social media photos showed heavy traffic on Interstate 15 near Lake Street and Nichols Road Sunday, where many visitors stopped and parked illegally to enjoy the flower fields. The California Highway Patrol issued a Sig Alert Monday and shut down the Lake Street offramp to control the situation. Despite the start of the work week, the number of visitors remained high Monday due to spring break, according to Nicole Dailey, assistant to the Lake Elsinore city manager. Dailey was not able to estimate the amount of people traveling to the flower fields. RELATED: Bad behavior caught on camera at wildflower super bloomIn addition to heavy traffic, Lake Elsinore officials coped with medical emergencies. Four people were hurt over the weekend, Dailey said. The injuries included a staff member who was routing traffic was hit by a vehicle, a hiker bitten by a rattlesnake, a visitor who fainted in the heat, and a woman hit in the head with a rock under unknown circumstances. “Our employees that have been working 7 days straight and 12 hour days are being met with the worst kinds of behavior,” Lake Elsinore officials posted on Instagram. View this post on Instagram #AttentionResidents: the roads are really bad out there. Long waits for Central Avenue. We have called in more police services from surrounding cities to help. The freeway is not moving and Cental is a mess. Avoid if you can. Grand Avenue is a better alternative if heading south or coming from the south. Ortega Highway if heading to the OC or returning. #Visitors: We discourage you from coming as the last shuttle will leave to the flowers at 5:30 pm. After this weekend, we will regroup and look at any and all remaining options. Our employees that have been working 7 days straight and 12 hour days are being met with the worst kinds of behavior. Remember to be kind out there LE. Our staff are only trying to do their jobs while they have been away from their families. #SuperBloom #HanginthereLE #LakeElsinore #IsItOverYet A post shared by City of Lake Elsinore (@cityoflakeelsinore) on Mar 17, 2019 at 4:22pm PDT 10News reporter Amanda Brandeis traveled to the super bloom last week and caught visitors on camera as they walked off trails, trampling future growth. “People were extremely disrespectful,” said Dailey. Lake Elsinore businesses saw a boost, Dailey reported, but it has been “too much of an increase.” Starbucks emailed city officials saying they were overwhelmed by the demand and couldn’t keep up. “This weekend has become unbearable Lake Elsinore,” city officials posted, adding “it has been miserable and has caused unnecessary hardships for our entire community.” Lake Elsinore also reached out to other law enforcement agencies for assistance. “We have brought in all available staff, as many outside traffic controllers that we could, more shuttles, and our small City can not sustain crowds of this magnitude,” city officials said on Instagram. “We have reached out to our neighboring and county agencies for help. We have reached out to Caltrans. We have reached out to CHP. We are running out of options.” Sunday afternoon, city officials shut down the golden hillsides due to the crush, saying they were “truly trying to do the best and right thing.” Lake Elsinore officials reopened Walker Canyon Monday, saying they didn’t have the resources available to enforce a closure. With the super bloom expected to last at least four weeks, the city is looking for options to control the crowd, said Dailey. 3789

Leasing, rather than buying a car, isn’t for everyone. But it’s the smart choice if you’re thinking about getting an electric car.Leasing is growing in popularity — now making up almost 30% of all new car sales. But when it comes to electric vehicles, 80% are leased, according to Bloomberg New Energy Finance. (This excludes cars made by Tesla, which sells directly to consumers and doesn’t report lease data.)For these ever-evolving vehicles, leasing is an especially well-suited way to finance one. Here are five reasons experts say leasing your EV is the best way to roll.1. You can get tech upgrades faster 639