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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
Law enforcement authorities and a victims advocacy group are expressing outrage and dismay after a Houston doctor was not sentenced to jail for sexually assaulting a sedated patient in her hospital room.A Harris County jury convicted ex-Baylor College of Medicine physician Shafeeq Sheikh of sexual assault last week and sentenced him to 10 years of probation."This is beyond troubling," Houston Police Chief Art Acevedo said. "A hideous crime is committed in a hospital room which should be a sanctuary for patients. So many new norms that run contrary to what we've always stood for, I pray no accountability for harming people isn't one of them." 657

LAKESIDE, Calif.- Neighbors are shocked and saddened to hear about their neighbor's daughter's criminal background.Courtney Webber, 25, was arrested at her mother's Lakeside home Thursday night after a car matching her mother's car's description drove through a red light on Main Street at Sunshine Avenue and hit a 9-year-old boy riding his bike to Johnson Elementary School.READ RELATED:?El Cajon hit-and-run crash suspect found hiding under bedFifteen minutes from the crash, the home had a car in the carport, the A/C running and no one answering the door. Neighbors say the one car there didn't run. Iwona Matysiak said the mobile home park is family friendly and quiet. Both she and her catty-cornered neighbor Mitchel Phelps-Wiley say they don't know the Webbers well."With mom it was always, "Hi, how are you?" Matysiak said. Both confirmed she works for the Post Office.When it comes to dad, they say he comes and goes.As for Courtney, "she looks timid, shy," Phelps-Wiley said."Pretty young girl...I saw daughter a couple times, but never spoke to her so I couldn't even say her name because I don't know," Matysiak said.She said Thursday night police cars lined the park waiting for Courtney to come home, "I walked my dog it was dark, probably around 9... I saw cars and it was so quiet, I wondered what are they doing here?"Court documents show Courtney was convicted of drug and DUI charges in the past and was driving under a suspended license. Neighbors say the blue Honda Fit was mom's car and her sole mode of transportation."I feel so bad for the parents, I feel so bad for that little boy, i hope he will be fine," Matysiak said. 1717
LA MESA, Calif. (KGTV) -- La Mesa residents will finally get the chance to talk about the protests that were followed by violence and looting in May.The La Mesa City Council is hosting a town hall for the community Thursday at 6 p.m.The town hall comes after the city picked a firm to look into how different local agencies handled the incident. City leaders say the goal is to get recommendations to help the La Mesa better respond to emergency situations.On May 30, hundreds of rioters descended on the small La Mesa Village business district setting fire to numerous vehicles and buildings, including a bank and looting business.Looters also struck a Walmart, Target, Vons, and several stores in the La Mesa Springs Shopping Center.The city wants to let community members voice their concerns and ask questions.Community members can submit questions in advance and find a link to the zoom conference HERE 916
LA JOLLA, Calif. (KGTV) -- Many beach parking lots remain closed because of the coronavirus pandemic. Members of the Surfrider Foundation of San Diego say someone is making it even harder to find public street parking by illegally painting curbs red.Surfers who frequent La Jolla Shores noticed something was a little off."Me and my friend came here the other day… and we're like, 'What? What the heck?'" surfer, Maddie Sadlier laughed.They say the public parking on Camino Del Collado, a small street that runs parallel to La Jolla Shores Drive suddenly vanished."It's been like this for a really long time, up until recently, it just turned red," surfer Zach Rudy said.It turns out, the red curb on Camino Del Collado is fake and illegal."It's really a problem that somebody took it upon themselves to take away public parking right next to the beach," Kristin Brinner, a volunteer with the Surfrider Foundation San Diego, said.Some parts of the curb are only painted red on top, and there are several splotches of red on the road - clear signs that it was not a professionally painted curb. Brinner says this is the second summer in a row that this small street curb has been illegally painted."I do hope that people realize that this is more than just a simple bucket of paint," Brinner said. "It's vandalism, and it's preventing people from accessing the beach that belong to all of us. For someone to do this and say that 'No you can't access the beach near me,' is a really pretty hateful act, in my opinion."According to San Diego Police, painting a curb red is a misdemeanor crime of vandalism. If caught, a person can be cited or arrested.The Surfrider Foundation does not know who keeps doing this. But they say every summer, as the beach crowds increase, so does the problem."It does seem like it was somebody in this neighborhood that just was maybe sick of outsiders coming in, wanted to claim it as their own street," Rudy said.San Diego Parking Enforcement is aware of the vandalism on Camino Del Collado and is already in the process of getting it repainted. But Brinner says the best way to fix the problem quickly is to be aware."They should document their parking spots they often use, and then they will have proof so they can say 'Hey, this used to be here, and now it's not!' So documentation is part of the solution," Brinner said.If you suspect that a curb has been illegally painted, report it to the police. 2442
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