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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

On Thursday at 1:00 PM I will be holding a press conference with Project 1599 to discuss the rampant anti-Christian sentiment at USAID— Merritt Corrigan (@MerrittCorrigan) August 3, 2020 194

On Wednesday, reports surfaced that retailer Sears might file bankruptcy, which could force the closure of some, if not all, of the retailer's remaining 900 locations. While other retailers in recent years, such as Toys 'R' Us and RadioShack have faded away, Sears' demise would make the end of an industry titan. The company was at one time the nation's largest retailer, selling items as small as earrings, to as big as houses. MORE INFO: SEARS COULD FILE FOR BANKRUPTCYHere is a look back at the rise and fall of Sears:1886: Richard W. Sears launched the R.W. Sears Watch Company in Minneapolis, advertising his company by mailing catalogs of his watches to businessmen.1887:  Sears moved his fledgling business to Chicago and expanded his mail-to-order business. 1895: After Richard W. Sears joined forces with Alvah Curtis Roebuck, the company quickly became a mail-to-order giant. By the mid-1890s, Sears had a 532-page catalog of items. According to the retailer, the 1895 catalog contained clothing, accessories, wagons, fishing tackle, stoves, furniture, china, musical instruments, saddles, firearms, buggies, bicycles, baby carriages and glassware. 1906: Not only was Sears expanding operations in Chicago, but it was also opening centers elsewhere, including in Dallas. The opening of a shipping operation in Dallas helped lower the cost of shipping for the retailer. 1913: The Kenmore brand launches, first as a line of sewing machines. In the 20s, Kenmore would launch a line of washing machines. It was not until the 70s when Kenmore expanded into refrigerators and air conditioners. 1927: The now mature, 40-year business was working in a different environment. America was starting to urbanize, as Americans started moving into city centers. This caused the explosion of chain stores throughout the US. In response, Sears opened its first retail store in 1925, showcasing items from the catalog. The store was such a success, Sears was able to open 26 more locations by 1927.  This was also the year the Craftsman line of tools launched. Although not manufactured by Sears, it was owned by Sears and sold at Sears stores and in catalogs. Sears would own exclusive rights to Craftsman tools until 2017, when it was sold to Black and Decker. 1931: For the first time in company history, the majority of Sears' revenue came from its retail stores. According to Sears, 53.4 percent of sales in 1931 were from its stores. By 1933, Sears opened 400 retail locations. 1941: As the United States entered into war, Sears' expansion of retail operations paused. At this point, Sears had opened 600 locations.1953: Sears resumes its growth not only in the United States, but it is also opening stores in Canada. 1973: Almost 90 years after moving to Chicago, Sears expands its operations into the Sears Tower, which is one of the tallest skyscrappers in the word. 1993: More than a decade after launching the Sears catalog, Sears ended production of the catalog, and instead shifted its focus on its brick and mortar locations, auto stores, and outlets. 2004: Kmart purchased Sears (then named the Sears Roebuck Co.) and merged the two brands into the Sears Holding Company. This briefly gave the company record profits in 2006. 2015: Sears announced that it has lost billion in the last four years. Eddie Lampert was brought in as CEO and gave the company a 0 million loan to help avoid bankruptcy. Sears has also been closing a large number of underperforming stores.2018: In June, Sears announced it is liquidating 78 locations. Lampert also warned the company is running out of money, and likely will need to restructure debt.  3786

OCEANSIDE, Calif. (KGTV) - Dozens of people packed a room at Surfside Tap Room Thursday night for a well-known patron believed to have been killed in his home.John Roth, 77, was a regular at the bar. More than 50 people came to celebrate his life and drink a final toast.“He served in Vietnam, he was a topographer,” one of his friends, Tom Andrews said. “He crawled through rice paddies to make sure the maps had the right elevations.”“We had some intense conversations, but we would always end up laughing,” he added.Roth’s wife came home and found him dead Tuesday. Police say he suffered trauma to his upper body. His wife told police the garage door was open.RELATED: Oceanside police investigate death of 77-year-old manPolice are investigating Roth's death, calling it suspicious. “It was a really bad thing what happened to him,” said another friend, Chris Ulrey. “I called him 'pops' for like the past four and a half years. He’s kind of like a father figure to me.”Roth’s wife did not attend the event. But his friends took donations for his family. 1087

OMAHA, Neb, — A cartoon memorializing President George H.W. Bush by Jeff Koterba of the?Omaha World Herald is getting national attention.It's a picture of Uncle Sam looking up at the stars in the sky that spell out "George H.W. Bush."Koterba said he was with a friend when the news of Bush’s death broke.Whenever he memorializes someone in a cartoon, he tries to avoid the typical "pearly gates."His friend mentioned "a thousand points of light," which got him thinking of a way to illustrate that. Bush popularized the phrase and it was later used as the name for a nonprofit he formed to support volunteerism. 634

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