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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
Ranked the 8th fastest-growing among small breweries in the country in 2017, we go inside Eastlake’s Novo Brazil Brewing to see what makes them so good.Novo Brazil Brewing Co.901 Lane Ave #100, Chula Vista, CA 91914Phone: (619) 869-4274 MORE: Two San Diego County breweries among fastest growing in the nation 340

President Donald Trump spent Thursday grappling with how to prevent more school massacres and address the gun debate gripping the country, offering solutions such as giving bonuses to teachers who undergo gun training."These people are cowards. They're not going to walk into a school if 20% of the teachers have guns -- it may be 10% or may be 40%. And what I'd recommend doing is the people that do carry, we give them a bonus. We give them a little bit of a bonus," Trump said. "They'll frankly feel more comfortable having the gun anyway. But you give them a little bit of a bonus."He repeated his suggestion that some teachers get trained to handle firearms as a deterrent to shooters and disparaged "gun-free zones.""I don't want teachers to have guns. I want certain highly adept people -- people that understand weaponry, guns. If they really have that aptitude -- because not everybody has aptitude for gun -- but if they have the aptitude, I think a concealed permit for having teachers and letting people know that there are people in the building with guns, you won't have -- in my opinion -- you won't have these shootings," the President said.Gun-free zones, meanwhile, are appealing to criminals, he said."We have to harden those schools, not soften them. A gun-free zone, to a killer, or somebody that wants to be a killer, that's like going in for the ice cream. That's like saying, 'Here I am, take me,' " Trump said at the White House."They see that as such a beautiful target," Trump said. "They live for gun-free zones."He also disparaged school shooting drills, saying they were tough on the kids."Active shooter drills is a very negative thing, I'll be honest with you," he said. "I think that's a very negative thing to be talking about. I don't like it. I don't want to tell my son 'you're going to have to participate in an active shooter drill. I'd much rather have a hardened school."Trump also promoted the idea of increasing the age limit of those who can purchase semi-automatic rifles from age 18 to age 21 as well as looking at the possibility of committing people like the Florida shooter to mental institutions."I said this yesterday when we had a mental institution where you take a sicko like this guy -- he was a sick guy, so many signs -- and you bring him to a mental health institution, those institutions are largely closed because communities didn't want him," Trump said.The President also blamed violence in video games and movies as partly responsible for shaping young people's thoughts."They're so violent," Trump said.The-CNN-Wire? & ? 2018 Cable News Network, Inc., a Time Warner Company. All rights reserved. 2671
Puerto Rico was hit with a massive power outage, the power authority said Thursday -- nearly seven months after Hurricane Maria destroyed much of the island's infrastructure and its electrical grid.The Puerto Rico Electric Power Authority, known as PREPA, said a tree fell on a major power line, knocking out service to 870,000 customers, about half of its clients. The utility tweeted an image it says was of the tree that fell across a power line near the southeast mountain town of Cayey.Major blackouts were reported from the northern coastal town of Manatí to Yabucoa, roughly 50 miles southeast.The blackout also includes the capital of San Juan, the most populated area of the island."We are devastated at this point," Cynthia García Coll, an educational psychologist who lives near San Juan, told CNN. "Every time this happens we go into PTSD mode."San Juan Mayor Carmen Yulín Cruz said it could take eight to 16 hours for electricity to be restored. 966
President Trump may be finding pockets of support from inside the very state he's suing.It's because a growing number of local governments are considering joining the administration's fight against California's new sanctuary laws.One of those laws prohibits state and local authorities from notifying federal immigration when they arrest an undocumented immigrant. There are exceptions for serious and violent crimes. Escondido Mayor Sam Abed opposes the sanctuary laws, and hopes his City Council will do the same and file a legal brief in support of the federal suit. The council meets April 4. "We have deported so many gang members because of our coordination with ice, and we'd like to continue to do that," abed said. "It's a public safety issue, pure and simple." 788
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