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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 (KGTV) -- A North County mother said Oceanside Police used excessive force on her son in a civil lawsuit that has been ongoing for nearly two years.Josette Pyper said her son, Timothy, has been battling mental health issues and addiction. She believes his injuries by police should not have happened.“It was horrible,” Pyper said, sharing her story publicly for the first time. “I couldn’t even watch the whole video. It’s hard. Very very hard.”Pyper is referring to the incident that happened on Nov. 22, 2018.According to the lawsuit filed against Oceanside police and the City of Oceanside, a report of tire slashing was called in by Timothy’s father. His father had a restraining order against him, yet often invited him to visit, according to court documents.The lawsuit states his father called police and also mentioned “that there were potentially two guns in the home.”Police came to investigate the possible restraining order violation and vandalism. Court documents said that police began making public announcements for him to come out of the home, but he did not.Several officers and police K-9 entered the home. They found him in a locked bedroom, which the lawsuit stated was Timothy’s room. An officer picked the lock and opened the door, ordering him to come out with his hands up.“Tim complied with the officers’ command and began walking towards the door. As he did so, the officers changed their command and told him to ‘crawl out,’” the lawsuit said. The family’s lawyers aid the command was confusing, as Timothy began to slowly walk towards the officers to surrender.Police body camera video shows Timothy slowly start to exit his bedroom with one armed raised and the other near his ribcage. “He was wearing only boxers and clearly did not possess any weapons. It looked as though he had been sleeping,” the lawsuit stated.With a shield, an officer pushed Timothy back into his bedroom. Video showed him on the ground after being shoved back into the room with his hands up and feet on the floor. The family’s lawyer said reports from officers that Timothy tried to “violently” strike police were false.The body camera video showed police pulling Timothy up to arrest him, then getting bit by the police K-9.“He’s in full surrender mode and it’s captured on video and they yank him up, they pull him up by his arm,” said the family’s attorney Christina Denning. “He trips over some clothes and then it’s just a brutal multi-tactical attack on him at every different angle as he’s screaming… for his life.”According to the lawsuit, one officer admitted to punching Timothy “with a closed fist in [his] right ribcage… and then applied a choke hold during the arrest.” Another officer admitted “he shot Tim with a .40 mm sponge impact munition,” or rubber bullet.“It’s not right… there was a point in that video where he actually was asking [for his] dad,” Pyper said. “They were still on top of him. Is that a threat?”Josette’s son has a criminal history. His most recent cases included public intoxication and possession of drug paraphernalia. She said Timothy is schizophrenic, dealing with addiction. She does not believe the officers were equipped to handle someone who has mental health issues.Oceanside City Attorney John Mullen defended officers. In a statement to Team 10, he said officers waited more than an hour before entering the bedroom and at least 44 orders were made demanding he exit the room. “As plaintiff approached the officers with one hand obscured, the officers deployed less than lethal tactics, including the use of a canine. The officers were concerned [Timothy] was trying to access a weapon,” Mullen wrote to Team 10.He said the restraining order was issued due to elder abuse against the father and that Timothy “violated this order and barricaded himself in the father’s house.”“OPD was called to this same address one month earlier for a similar violation of the restraining order and plaintiff was combative and injured two officers during that arrest,” Mullen said.Team 10 asked if officers knew of Timothy's mental health history and asked if the Psychiatric Emergency Response Team was called to the home. Mullen said “the City has no information concerning his mental state at the time of the incident or now.”Mullen said he does not believe PERT was called to the home "because this was an active crime scene with unsecured guns in the house."The family’s lawyers disputed that, saying officers were aware of his mental health from meetings they’ve had with opposing counsel.Pyper wants to her get her son help and firmly believes the incident with Oceanside Police could have been handled differently.“They need to be accountable for what happened," she said.A trial date is scheduled for late 2021. 4779

OAKLAND, Calif. — Twitter says it will label or remove misleading claims that try to undermine public confidence in elections.This includes attempts at undermining people's faith in the process itself, such as false claims about election rigging or ballot tampering.It also includes misleading claims about the results of elections, like claiming victory before results have been certified, or inciting unlawful conduct to prevent a peaceful transfer of power or orderly succession.“The goal is to further protect against content that could suppress the vote and help stop the spread of harmful misinformation that could compromise the integrity of an election or other civic process,” wrote Twitter in a blog post.The policy goes into effect Sept. 17. It applies globally, not just to the U.S., which is holding presidential elections Nov. 3.Many people are expected to vote by mail, which is likely to delay election results.Twitter says its policy of labeling, rather than removing violating tweets from world leaders, will still apply.“We will not permit our service to be abused around civic processes, most importantly elections,” Twitter wrote. “Any attempt to do so — both foreign and domestic — will be met with strict enforcement of our rules, which are applied equally and judiciously for everyone.” 1318

ORLANDO, Fla. – Disney World has closed a loophole that allowed guests not to wear face masks while walking around the park, if they were eating or drinking something.In its updated guidelines, the amusement park says you may still remove your face covering while actively eating or drinking, “but you should be stationary and maintain appropriate physical distancing.”Before the guidelines were updated, visitors were reportedly seen walking throughout the park with beverages and food, but without masks.Face coverings are required for all guests at the park, ages 2 and up. The only other exception listed on the park’s website is while swimming.Disney says all face coverings must be made with at least two layers of breathable material, fully cover the nose and mouth, fit snugly but comfortably against the face, and be secured with ties or loops. Neck gaiters and open-chin triangle bandanas are not permitted.With COVID-19 continuing to spike, especially in Florida, some are criticizing Disney World for reopening took quickly. However, the park seems confident in the rules and regulations that have been put in place. Click here to learn more. 1162

One week after he screamed at people speaking Spanish in a New York City cafe -- a rant captured on video that quickly went viral -- attorney Aaron Schlossberg says he's not a racist and is "deeply sorry" for his actions."To the people I insulted, I apologize," he said Tuesday in a message on Twitter and LinkedIn.On May 15, a video posted on social media showed Schlossberg at a Fresh Kitchen in Manhattan, angrily telling employees and customers who were speaking Spanish to speak English because "This is America!""If they have the balls to come here and live off my money, I pay for their welfare," he says, asserting incorrectly that undocumented immigrants are eligible for federal public benefits. "I pay for their ability to be here. The least they can do ... is speak English."He continued to express his displeasure to an employee and threatened to call US Immigration and Customs Enforcement officials."My guess is they're not documented. So my next call is to ICE to have each one of them kicked out of my country," he says. 1045

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