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Retail credit card APRs have not changed despite the Federal Reserve slashing interest rates to near zero this year, according to a new report from CreditCards.com.Store-only cards have the highest interest rate at nearly 30%. That's the case for a few jewelers, Discount Tire and Big Lots, which sells furniture and appliances.“They're kind of preying, in some cases, on people who are really desperate to buy something, but may not have the money for it,” said Ted Rossman, an industry analyst at CreditCards.com. “So, it's really all about risk management.”The website’s survey found more than 43% of people have impulsively applied for a store card at checkout.That phenomenon may change this holiday season, when much of the shopping is expected to be online.“It might be less of an issue this year,” said Rossman. “Although, who knows? Maybe the shoppers that are in store are going to be peddled these even more aggressively, so it's something to watch for.”Store credit cards can be worth it if you pay your bills in full to avoid interest and you're loyal to a certain retailer. That's especially true for cards that offer 5% back on everything you buy. Amazon, Walmart, Target and a few clothing stores offer those kinds of rewards.If you're just signing up for an initial discount, don't waste it on a small purchase.Remember a credit card is different from a free loyalty program.You might be getting into something that could hurt your credit score. 1470

President Donald Trump, during a White House Cabinet meeting Wednesday, said he wants to terminate the Diversity Visa Lottery, a program that distributes around 50,000 visas to countries where there is a low rate of immigration to the US."I am, today, starting the process of terminating the diversity lottery program," Trump said, seated next to Secretary of State Rex Tillerson and Defense Secretary Jim Mattis. "I am going to ask Congress to immediately initiate work to get rid of this program, diversity lottery, diversity lottery. Sounds nice, it is not nice, it is not good. It hasn't been good and we have been against it."He added: "We're going to quickly as possible get rid of chain migration and move to a merit-based system." 746

PROVIDENCE, R.I. (AP) — As the world races to find a vaccine and a cure for COVID-19, there is seemingly no antidote in sight to the burgeoning outbreak of coronavirus conspiracy theories, hoaxes, anti-mask myths and sham treatments. The phenomenon, unfolding largely on social media, escalated this week when President Donald Trump retweeted a false video about an anti-malarial drug being a cure for the virus and it was revealed that Russian intelligence is spreading disinformation about the crisis through English-language websites. “It is a real challenge in terms of trying to get the message to the public about what they can really do to protect themselves and what the facts are behind the problem., said Michael Osterholm, head of the University of Minnesota’s Center for Infectious Disease Research and Policy.“You don’t need masks. There is a cure,” Dr. Stella Immanuel promised in a video that promoted hydroxychloroquine. “You don’t need people to be locked down.”The truth: Federal regulators last month revoked their authorization of the drug as an emergency treatment amid growing evidence it doesn’t work and can have deadly side effects. Even if it were effective, it wouldn’t negate the need for masks and other measures to contain the outbreak.None of that stopped Trump, who has repeatedly praised the drug, from retweeting the video. Twitter and Facebook began removing the video on Monday for violating policies on COVID-19 misinformation, but it had already been seen more than 20 million times.Experts say the flood of bad information is dangerously undermining efforts to slow the virus, which has been blamed for about 150,000 deaths in the U.S. 1682

RAMONA, Calif. (KGTV) – It was a nightly ritual. Steve Faught would put his dog, Riley, in his old Ford pickup and take him to a nearby baseball field to play fetch.  On his way Thursday night, he stopped by Stage Stop Liquor and Gas to pick up a six-pack of beer. But he never made it to the field. Faught was found at the gas station with a major injury to his neck, according to the San Diego Sheriff’s Department. He was airlifted to a hospital for surgery but did not survive. His older brother, Jerry Faught, described him as funny, with a warm personality. “To him, life was a good place,” he said. “He was just the kind of person you’d like to know.” Faught heard the news from Steve’s wife, who called him at his home in Portland. His older brother instincts kicked in. “I couldn’t help him. I couldn’t save him. That’s hard,” he said. Homicide detectives are trying to piece together what happened and what led up to the altercation, but as of Friday morning they had not been able to locate any witnesses or surveillance video. The suspect, 26-year old Jarrett Wishnick, has been arrested for murder. 1169

RAMONA (KGTV) - — The owner of Ramona Fitness Center is trying to rally business owners to stand up for their rights and consider defying San Diego County public health orders that require many businesses to close.“They’re forcing us out of business," Peter San Nicolas told ABC 10News in an interview Tuesday. "They’ll force people to not be able to pay for food and pay for home, for somewhere to live. We’re talking about basic necessities and they’re pushing us to the limit.”Gyms are among the sectors ordered to cease all indoor operations after the county moved into the state's purple, or worst, tier. This comes as the county recorded 1,546 new COVID-19 cases Tuesday, a single-day record.San Nicolas makes the case that gyms can open safely and that forcing them to close will not stop the spread. “We haven’t had any issue with it here in the gym. We’ve had over 25,000 check-ins just since June and we’ve had no cases of covid here at the gym.”According to the latest outbreak numbers on the county website, only 0.4% of all cases recorded between June 5 and November 14 have been tied to gyms. However, many public health experts say there is no question gyms should be closed during this most recent surge. "Gyms are one of the riskiest possible businesses," said Dr. Rebecca Fielding-Miller, an epidemiologist who teaches at UC San Diego, in an email to ABC 10News. "By definition, people are breathing heavily in an indoor space, which is a recipe for spread. And while I haven’t been inside a gym since March, I would hazard a guess that gyms that are threatening to defy county orders are also not gyms that are enforcing masking policies. They should absolutely be closed."During the last COVID-19 surge in August, Ramona Fitness Centers became one of the first and only businesses cited and then charged by the District Attorney for remaining open in violation of public health orders. San Nicolas says he expects the County to come after him again. He is represented by a legal team attempting to sue for businesses to stay open. 2059

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