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Congratulations to President-elect Biden. Everyone should want our president to succeed because we need our country to succeed. We have great challenges ahead of us as a country. Now more than ever, we need to come together as Americans.— Governor Larry Hogan (@GovLarryHogan) November 7, 2020 301

CORONADO, Calif., (KGTV)— Residents and visitors of Coronado have enjoyed using the Coronado Bridge for more than 16 years without paying a toll. But would reinstating a toll on the island’s main artery be beneficial in curbing overcrowding? Some residents who are fed up with tourists taking over their streets are exploring this idea.From every angle, the town of Coronado is a picturesque retreat, and admission is free. 431

CLEVELAND — Who’s been at a store buying holiday gifts and then the cashier asks, “do you want to sign up for our credit card today?” They might offer a discount or something else, but should you sign on the dotted line?“They make it easy. They really make it easy,” Leanne Smith said.Smith is from Solon and knows how stores can tempt you with their credit cards, but she’s sticking to her Target Red Card for now.“I don’t think it’s a responsible thing for me to have one at every store,” she said.Tedd Rossman from CreditCards.com said that if you ever plan on carrying a balance, store cards aren’t going to be the best option for you.“While sometimes these store cards can work for you, most of the time, they’re not the most consumer-friendly option,” Rossman said.That’s because Rossman says the average store credit card has an interest rate of 25%, some as high as 29.99% such as Discount Tire, Big Lots and jewelry store cards like Kay Jewelers.“These cards are not as selective about credit quality, which is why the retailers and their bank partners say they have to charge such high-interest rates,” Rossman said.CreditCardInsider.com recently rated various popular store cards based on various things like interest rates.Here are those results:Target - 24.4%Old navy - almost 26% (25.99%)Walmart - roughly 18-27% (17.99%-26.99%) interestNathan Grant from CreditCardInsider.com said you shouldn’t just sign-up at the checkout on a whim even if there’s a discount offered or cashback incentives.“The percentage of interest you’re paying might end up calculating to be more than what you got from spending on the cards,” Grant said.According to Grant, some of the better retailer cards are:Amazon prime cards with lower interest rates—5% back on Amazon purchases and gift cards when you sign up. Target—higher interest rate, but 5% back. And the only one rated excellent is Costco’s card, which has a 15% rate and various cash back options and good rewards on gas purchases.But keep this in mind: In a survey of nearly 3,000 shoppers nationwide, more than 40% said they regretted signing up for a retail credit card. Plus, one out of five in the survey said they carried a balance from the last holiday season, and more than 50% said they’ve paid interest on a retail store card.“That’s kind of like a wake-up call even to myself to be like I got to make sure that I’m always smartly shopping if I’m using credit cards,” Grant said.For Smith, she said she’s only carried a balance a couple of times in the past 20 years because she knows “if you can’t pay it, you really shouldn’t buy it just because you have a credit card.”Retail credit cards can give you benefits especially if you’re loyal to the business. It could help you build credit, but you’ll want to pay off your balances every month and spend responsibly.And another thing to watch out for is deferred interest. Even if you owe just one dollar by the time the term ends, you could end up paying interest on the entire amount you initially financed.This story originally reported by Jonathan Walsh on News5Cleveland.com 3102

College enrollment is dropping sharply among high school seniors.A new report finds the number of students who immediately went on to college this year fell by nearly 22% on average.Breaking that down by area, under-served communities have been hit hardest, nearly a 30% drop for low-income high schools and 33% for high poverty high schools.The National College Attainment Network funded the research. They tell us students lost access to support networks when schools went virtual.And then, many students in communities hit hardest by COVID-19 didn't have a choice other than to get a job and support their families.“They get used to that. Their families get used to that. Their families need that from them, and it makes the idea of thinking about college later in life after high school graduation all the more impossible,” said Kim Cook, Executive Director at the National College Attainment Network.The group's biggest message is to stay engaged.It's not too late to apply for federal student aid, like the Pell Grant or subsidized student loans.There are online resources through the U.S. Department of Education and platforms like the Common App that offer chat options to answer questions.Even just a couple classes at a community college will help keep you on track. You can also reach out to institutions you previously applied to but felt like you couldn't go to. Talk to the financial aid office about how your circumstances have changed.“This is all about making it an open conversation and reaching out to those supports and telling them you'd like to enroll and asking them to help you make that happen and what kind of options you have now,” said Cook.The data suggests that declining college enrollment will not only continue, but possibly get worse next fall.This time of year, current seniors should be focusing on keeping grades up and writing essays for applications. 1897

Congress passed a bipartisan bill to address the opioid epidemic, and this week the president signed it into law. It's one of the few things that brought Democrats and Republicans together.“Opioids is definitely an issue where there's a lot of bipartisan agreement,” says Republican strategist Brian Bartlett. “We saw the Senate pass their version 99-1. The House also overwhelmingly passed legislation back in June the first time around to address this issue.”Democratic strategist Brandon Neal agrees, saying the issue of opioids is a bipartisan issue affecting everyone.On average, a person dies from an opioid overdose every eight minutes, according to the CDC.“Right now, we're in a point in our society where every average person, everyday person, is affected by this,” Neal says. “So, one pill kills.”The impact of the problem is so big, it forced both political parties to come together to pass a bill that will boost programs to treat addictions, keep a closer eye on prescriptions and promote research to find new drugs that are not as addictive.“I think the next step is to start enacting some of the changes this legislation offered, because in a lot of ways, this was a comprehensive bill, but we need to see what's going to be most effective and what works,” Bartlett says.Just this week, there was a small glimmer of hope. Early data shows the number of overdose deaths are beginning to level off and have even slightly dropped, according to Health and Human Secretary Alex Azar.“The seemingly relentless trend of rising overdose deaths seems to be finally bending in the right direction,” Azar says. 1623