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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

COSTA MESA, Calif. (CNS) -- The Orange County Board of Education voted 4-1 Monday evening to recommend opening schools next month without masks to protect against the spread of coronavirus but the decision is not binding on any of the county's districts."There has been some confusion, and understandably so, over the role of the OC Board of Education and our agency, the Orange County Department of Education," Orange County Department of Education Superintendent Al Mijares said in a statement before the meeting."Locally elected school boards and superintendents will approve and implement plans specific to their districts based on the needs of their schools and communities," Mijares said.The county's education department "is working to support districts in that effort, and we remain 100% committed to following and sharing the guidance of the California Department of Public Health and the Orange County Health Care Agency," Mijares added.Mijares said the county's education department guide to reopening schools "is in alignment with the California Department of Public Health, which stresses the importance of social distancing and face coverings when social distancing measures are difficult to maintain.The board held a meeting last month with experts who concluded in a white paper that requiring students to wear masks "is not only difficult, but may even be harmful over time."The experts also concluded that "social distancing of children and reduction of classroom size and census may be considered, but not vital to implement for school aged children," and advised that parents "are in the best position to determine the education environment that best suits their children rather than government officials."If a school district "is unable or unwilling to reopen schools in a manner that resumes a typical classroom environment and school atmosphere, parents should be allowed to send their children to another school district or charter school that will provide that preferred education," the experts wrote."In fact, many parents stated they will opt for private schools or home schooling if their child does not have a typical interactive academic classroom environment."The experts advised regular temperature checks, encouraged "good hygiene with frequent hand washing and the use of hand sanitizer," as well as the cleaning of classrooms, meeting rooms, buses and administrative offices nightly.The panel downplayed the infectiousness and impact COVID-19 among children, and concluded that teachers are more at risk of getting sick from another teacher or staff member than they are from children.One of the listed experts, Dr. Steven Abelowitz, issued a statement saying his comments were "either misunderstood or misinterpreted." Abelowitz said he is a "staunch advocate" for face coverings to help stop the spread of covornavirus. He added he believes social distancing is "also an effective tool in slowing and limiting the spread of COVID-19."Dr. Clayton Chau, the director of the Orange County Health Care Agency as well as the interim county health officer, was also one of the listed experts but distanced himself from the report."I served as part of a discussion panel after being invited to attend a meeting of the Orange County Board of Education. I believe that schools should follow guidelines set by the Centers for Disease Control and Prevention and the California Department of Public Health related to reopening, and did not state that social distancing isn't necessary," Chau said."I continue to be a strong proponent for public health prevention measures to help slow the spread of COVID-19 in all settings, including frequent handwashing, physical distancing from those who do not live in the same household, wearing face coverings, covering coughs and sneezes and avoiding touching faces with unwashed hands."Ed Sibby, spokesman for the California Teachers Association's Southern California branch, said the union is skeptical of any plans to reopen schools at this time."We don't see the efficacy of sending students and educators back to school until it's safe to open the schools," Sibby said."Orange County's board seeks to pander to the forces of the federal government and (Secretary of Education) Betsy DeVos. We can't control that, but what we can control is how we care about our kids and the safety of our members and continue to advocate for them both."Superintendents throughout Orange County are opposed to a rush to reopen schools, Sibby said.Sibby said many of the county's schools do not have central air conditioning, which he said is critical to ventilate and prevent droplets from hovering in the air, which could increase the potential for spreading COVID-19."I think our members are like any other professionals who enjoy their work -- this is their students and they want to get back to work, but at the same time they realize one sick child could infect classrooms, take it home to their families," he said.Some teachers are now discussing the medical vulnerabilities of family members and the risk the virus can pose to them, Sibby said."These are life-and-death conversations," he said, adding that a return to school as normal in six to eight weeks is "highly problematic."Dr. Dan Cooper, a UC Irvine professor of pediatrics, told City News Service he supports children returning to school, but only if there is a plan that includes social distancing, face coverings, and what to do if there is an outbreak.Cooper said the board's recommendation is a "nonsensical approach" to COVID-19."I hate to say this because it's one of those pejorative phrases, but there will be blood on their hands" if any school districts adopt the recommendations, Cooper said. "Just because of their arrogance and hubris. It's something that just disturbs me."California is blessed with moderate weather so it would be much easier for the state to use large tents to do outdoor schooling, Cooper said.It is true that children and young adults typically are less vulnerable to the virus, and it is not harmful in any way to have children wear masks, Cooper said."You make a game of it, you put a superhero on it, and it's fine. They get it," Cooper said.Cooper is critical of online-only learning plans, as well. About 40% of the workforce depends on schooling for childcare, Cooper said. Without classes to send their children to, parents may resort to an unhealthy, illegal and unorganized system of babysitters, he said."At least you would have kids in a supervised environment, talking to the kids about physical distancing," Cooper said.Capistrano Unified School District board members are set to consider a plan Wednesday that would provide a combination of on- and off-campus learning.In kindergarten through fifth grade, parents could choose all in-class learning, half learning on campus and half at home and one in which it is entirely online. In sixth through 12th grades, the options would be half on campus and half online or all online.The Santa Ana Unified School District board has approved a plan involving three stages of returning to classes in person, said Fermin Leal, a spokesman for the district. The first stage is all online, the second is a hybrid of in-person and online, and the third a more traditional school year, Leal said."If school started today, we'd be in Stage 2," Leal said.Students, depending on the grade level, would report to classes once or twice a week, with the rest of the week learning online, Leal said. Class sizes would be reduced to 10 to 15 students.All staff and students must wear masks, unless there is some medical exception, Leal said.But with Santa Ana leading the county in coronavirus cases and considered one of the primary hot spots, the situation is "very fluid," and the school year may start with all online learning, Leal said.Earlier Monday, Los Angeles Unified School District Superintendent Austin Beutner announced that campuses will remain closed when classes resume Aug. 18 in the nation's second-largest school district.Beutner said the "health and safety of all in the school community is not something we can compromise."The San Diego Unified School District also announced Monday campuses will remain closed when the district resumes classes Aug. 31, with all courses remaining online only. 8322

COPENHAGEN, Denmark (AP) — Scientists say an enormous chunk of Greenland's ice cap, estimated to be about 110 square kilometers (42.3 square miles), has broken off in the far northeastern Arctic. They see it as evidence of rapid climate change, which is leading to the disintegration of the Arctic's largest remaining ice shelf. The section broke off a 50-mile long fjord at the front end of the Northeast Greenland Ice Stream, where it flows off the land and into the ocean. One scientist says "we should be very concerned" about the ice loss. In August, a study showed that Greenland lost a record amount of ice during an extra warm 2019. 648

CLAIREMONT MESA EAST (CNS) - A 63-year-old man driving a Cadillac slammed into a 25-year-old motorcyclist in the Clairemont Mesa East neighborhood, breaking the younger man's femur and causing other serious injuries -- which not considered life-threatening, police said today.The 2008 Cadillac CTS was exiting a shopping center driveway when it struck the victim at 5:40 p.m. Saturday, according to Officer Robert Heims of the San Diego Police Department.But the Cadillac kept going -- traveling south until it smashed into an apartment gate.The 2018 Honda sport bike ended up in the bushes at a different apartment complex, Heims said.The San Diego Police Traffic Division is investigating, although they said a sobriety check cleared the Cadillac driver of possible DUI charges.Anyone with information about the crash is asked to called the SDPD at 619-531-2000 or Crime Stoppers at 1-888-580-8477. 908

CORONADO, Calif. (KGTV) - This weekend's stormy weather grounded, then destroyed a 75-foot Russian-built racing boat once sent to San Diego to race in the America's Cup.Around 7 a.m. Saturday, cellphone video show the large sailboat as it ran aground. Not long after, Lifeguard Captain Sean Casey says the waves went to work."Once it was aground, pretty quickly the mast broke off, and the boat literally broke into two pieces," said Casey.Casey says the boat had been anchored more than two miles away, near the Zuniga Jetty in Point Loma."There were high winds and rough conditions out of Point Loma. Assuming the anchor line just broke," said Casey.The boat was named Age Of Russia.According to a 1992 Los Angeles Times story, it was built in Leningrad for six million rubles. Under current conversion rates, six million rubles is valued at about ,000.A Russian group of yachtmen sent the boat to San Diego in 1992 to compete in the America's Cup, but that group was never sanctioned by race officials to compete. Because the group couldn't afford to bring it back, the boat was slated to taken to be taken to the Miramar Landfill and flattened. But then a buyer came forward.Casey says recently, it had been used for tours of the bay, before its final, unscheduled trip Saturday. Its frantic owner ended up at the beach."Obviously his reaction was sort of shock and dismay. He was very upset when he saw it on the beach," said Casey.Casey says the boat was insured, which means the cleanup costs could be covered."The contractor will likely have to use heavy equipment, dump trucks, to break up the remaining pieces and take it to the landfill," said Casey.Casey says there is an ongoing problem of boats without slips on the bay, being anchored in the Zuniga Jetty, and becoming loose during stormy weather. In 2019, the City Council amended San Diego’s Municipal Code to restrict open-water boat anchoring near Zuniga Jetty Shoal to two hours. 1960

来源：资阳报