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Once the graduation confetti settles, you should mentally add “help your kid get a credit card” to your parental pre-college checklist. But getting a credit card at age 18 isn’t as easy as it was when you were in college.The Credit Card Act of 2009 generally prevents consumers under 21 without independent income from qualifying for credit cards on their own. And even with a job, your kid might have trouble qualifying for a card without a credit history. Plus, if you don’t give him or her credit guidance, your child’s missteps could strain your finances — and your relationship.“My counseling to my parents is, don’t just randomly give [your kid] a card,” says Amy Irvine, a certified financial planner and owner of Irvine Wealth Planning Strategies, a fee-only advisor firm in Corning, New York. “Make sure there’s some explanation that goes with it.”Here’s how you can help and avoid common pitfalls. 965

OCEANSIDE, Calif., (KGTV) -- While many of San Diego County's beaches and parks are now off-limits due to the Coronavirus, Oceanside remains open. But some residents fear that a beach and golf course soft-closures only encourage people to ignore the stay-at-home order. Unlike the taped up beaches in San Diego, Del Mar, Solana Beach, and Encinitas, Thursday evening, Oceanside decided on a soft-closure. The parking lots, Pier, picnic areas, and playgrounds are closed. But the beaches remain open. "We figured, as long as we can encourage people and enforce that social distancing, we would be able to keep those recreational opportunities available," Samuel Liston with the City of Oceanside said. One person taking advantage of Oceanside's open beach was surfer, Oliver Dillard of Bay Park. Earlier, he was at Pacific Beach but was told by a police officer to leave."I'm just in the moment. Being here now," Dillard said. But not everyone is thrilled. "My reaction to them keeping open the beaches in even a soft way is horror," Oceanside resident, Frances Pope said. Pope suffers from a rare Autoimmune Disorder. She lives in a senior community in Oceanside. She says if her local beach is the only one that is open, people will flock to it, and you can forget about social distancing. "We're going to have a swarm of people, and it's not just Oceanside that is going to be hit by that," Pope said. "They're going to go back to their homes, inland or down south, and they will infect their families."It is not only beaches. Oceanside's City-run golf courses are also one of the last ones to remain open. According to the Pro-shop, golfers must walk on the course. No golf carts will be rented unless a person has a disability placard from the DMV.Still, Pope says this "halfway measure" is not enough. She wants everyone to take the virus seriously and stay home. "Every single person that can stop one trip out helps to keep everyone else safe," Pope said. The city says in regards to the beaches, they have lifeguards on duty. And they will keep a close eye. "We are constantly reevaluating these processes. Every day, multiple times a day, and if there are problems, we will have to do more," Liston said. 2222

OCEANSIDE (KGTV) -- Multiple customers said a North County rental company refused refunds during the pandemic and only offered a full credit toward a future stay in exchange for removing negative reviews online.Lisa Janson is one of those customers. She lives in Pennsylvania and was excited for her March trip to California with college friends. Janson was first planning to stop in Palm Springs to spend time with her son and his family before driving to Oceanside.Once in San Diego County, they planned to stay at a property managed by Beachfront Only. The company operates several rental properties along the coastline.As the situation with the Coronavirus worsened, Janson canceled their March trip. They were able to get refunds on their flight and Airbnb in Palm Springs; however, she said when it came to their rental, Janson said the business did not budge. "I was just absolutely shocked. I was dumbfounded," Janson said.She first asked for a refund on March 10. She said all those traveling were older than 65-years-old. One of her friends also had a doctor's note, urging her not to travel because of her compromised immune status. Even with that information, Janson said Beachfront Only would not make any exceptions.She lost more than ,000. Others contacted Team 10 about similar experiences with Beachfront Only. One San Diego man said he lost more than ,500. Another woman said she had to cancel her wedding due to the pandemic. Beachfront Only was the only business not to issue a refund. She lost more than ,000.A week and a half after Janson first reached out to Beachfront Only, she said the company offered her a deal."We're going to offer you a 50 percent credit toward a future rental," Janson said. "This was probably our 10th email back and forth. The idea of renting with them…. I don't trust these people!"On April 6, Janson said the company decided to offer 100 percent full credit towards a future stay contingent upon removal of any negative reviews that may have been posted, and the bank dispute has been canceled." "It just pisses me off," Janson said.When you visit Beachfront Only's Yelp page, a "consumer alert" warning pops up saying Yelp "caught someone red-handed, trying to pay someone to write, change, prevent, or remove a review for this business." Team 10 spoke to three people who said Beachfront Only offered 100 percent credit on a future stay only if they removed a negative review.Legal analyst Dan Eaton said a business compensating someone to remove a negative review is not illegal, but could have long-term effects."Businesses should understand that what they do will have a reputational tail that lasts many months, maybe years beyond the pandemic. People are going to remember what businesses have done," Eaton said.Beachfront Only did not respond to Team 10's calls and multiple emails. "I'm not wishing anything bad on them. We would just never rent with them again," Janson said.Janson said she is working to dispute the charge with her credit card. 3021

One of the most entertaining World Series of all time is going the distance.The Los Angeles Dodgers have forced a decisive Game 7, winning Game 6 at home 3-1 against the Houston Astros on Tuesday night."I think it seems fitting," Dodgers manager Dave Roberts said about this series needing all seven games. "You've got the two best teams in baseball going head to head. Like we've talked about from the beginning, these two teams mirror one another. And the compete and fight in both teams is the most important thing I see as similarities. But, again, we worked all year long to have home-field advantage, and here we are. It's only fitting for this series, yeah."Justin Verlander, acquired by Houston for a deep postseason run, was dominant through the first five innings. He had a 1-0 lead thanks to a solo home run by Astros leadoff hitter George Springer in the top of the third off Dodgers starter Rich Hill. It was Springer's fourth home run in this World Series, making him the only other leadoff hitter aside from Lenny Dykstra (1993) to accomplish that feat.But the Dodgers got to Verlander, the former Detroit Tigers ace, in the bottom of the sixth with an RBI double by Chris Taylor and an RBI sacrifice fly by Corey Seager.Joc Pederson added a solo home run off Astros reliever Joe Musgrove in the bottom of the seventh. It's Pederson's third home run of the World Series.Verlander went six innings, allowing two runs on three hits, striking out nine.Hill lasted 4 2/3 innings, giving up the one run, one intentional walk and four hits on 58 pitches. He struck out five.The Astros have never won a World Series in their completed 55 seasons. Only the Cleveland Indians (69 years) and Texas Rangers (57 years) have had longer current championship droughts than Houston. The Dodgers last won the Fall Classic in 1988.This marks the 39th time in a best-of-seven World Series that the Fall Classic has extended to a final game (including 1912, when eight games were played following a Game 2 tie). The Dodgers will attempt to become the 21st team to come back from down 3-2 in the Fall Classic under the current seven-game format.Of the 40 times that a team leading 3-2 has dropped Game 6, it has gone on to win the series 18 times, which is 45%. Ten of the last 12 teams to lose Game 6 with a 3-2 lead went on to lose the series. The last three teams with a 3-2 lead to lose Game 6 and win the series were the 2014 Giants, the 1997 Marlins and the 1975 Reds.This year's Fall Classic has been full of power -- these teams set the record for most home runs in a single World Series with 24 so far -- and dramatic comebacks. Game 5 was the craziest of all, ending with a 13-12 Astros walk-off win in the 10th inning."This series has been back and forth," Astros manager A.J. Hinch said Tuesday after Game 6. "And two incredible teams, trying to get to the finish line. And so now, now obviously it's good for our sport. Necessarily bad for us, because we wanted to win tonight. We'll get back to the hotel, where we'll collect ourselves. Both teams will be ready to play with about as much energy as you could possibly imagine in Game 7."First pitch for Game 7 is scheduled for Wednesday at 8:20 p.m. ET. Yu Darvish will start for Los Angeles. In Game 3, he lasted just 1 and 2/3 innings, the shortest outing of his major league career. Lance McCullers Jr. will start for Houston. 3395

On Monday, electors gathered to formally affirm that President-elect Joe Biden was indeed the victor of the 2020 Presidential Election.During his Electoral College victory speech Monday night in Wilmington, Delaware, Biden spoke about how all Americans have the right to have their vote counted."In America, politicians don't take power," Biden said during his speech. "People grant power to them. The flame of democracy was lit in this nation a long time ago. And we now know nothing, not even a pandemic or an abuse of power, can extinguish that flame."He also praised election officials, who Biden said endured threats of violence and verbal abuse."One of the extraordinary things we saw this year was that everyday Americans, our friends and our neighbors, often volunteers, Democrats, Republicans, Independents, demonstrating absolute courage, they showed a deep and unwavering faith in and a commitment to the law," Biden said. "They did their duty in the face of the pandemic. And then they could not and would not give credence to what they knew is not true."WATCH RECAP:At 7:10 p.m. ET, Hawaii reported its electoral vote which had Biden receiving 306 votes to President Donald Trump’s 232 votes.Around 5:30 p.m. ET, President-elect Joe Biden received enough votes to affirm his presidential election win.California's 55 electoral votes put him over the 270-vote threshold with 302 votes Monday afternoon after a day of voting in each state.Electors meet at a place and time determined by their state and cast their votes. Voting took place throughout the country at various times Monday. Vermont was the first state to cast electoral votes when submitted its three votes for Biden. Tennessee followed shortly after by submitting its 11 votes for Trump.As of 5:30 p.m. ET, 534 out of the 538 Electoral Votes had been cast. Biden is expected to get 306 votes to Trump's 232 based on the results of the presidential election.Hawaii is the last state to cast their Electoral College votes, at 7 p.m. ET. Its 4 votes are expected to go to Biden. The Electoral College votes are formally counted during a joint session of Congress on January 6. Typically, the Electoral College vote is little more than a rubber stamp approval of the November election. However, the post-electoral government machinery has received more attention than in elections past due to President Donald Trump's attempts to overturn the results of the 2020 election.For instance, Trump has been personally pressuring Georgia Gov. Brian Kemp, a Republican, to appoint a special session of the state legislator in the hopes of appointing new Electoral College voters — and threatening not to campaign for two Republican Senators that are up for re-election in January. Those two elections will determine which party controls the Senate for the next two years. 2842