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LAS VEGAS — Right now, many recent high school graduates are facing a tough question — is it worth it to take on tens of thousands of dollars in debt to attend college during a pandemic?The irony of building credit is that it requires taking on debt — and no one wants to take on debt, especially during the pandemic. But according to one credit expert, there are some simple financial moves that parents can make right now to set up their kids for future financial success.Building credit isn't priority number one for kids, but it could open or close a lot of doors down the road."Good credit can make things easier for you in the future, whether it's securing loans, credit cards with better terms and rates. It might even help your ability to land a job or a desirable apartment," said Nathan Grant, a senior credit industry analyst at CreditCardInsider.com.Grant says that even though kids can't open their own bank account until their 18, parents can start teaching kids about credit long before that, perhaps with a prepaid card."Many of those allow for monthly direct deposits. So, you could have their allowance loaded directly on their card, and that could, at an early age, give them a way to understand budgeting and using a card that has a limit on it to teach them better spending habits," Grant said.Then, as children approach adulthood, Grant says that parents should consider making them an authorized user on a family credit card. Even if parents are not ready to let kids make purchases and payments on the card, Grant says just making them an authorized user will help them build credit."Many credit card issuers offer this, and most issuers report the account's activity in the authorized user's name, whether or not they are actually using the account. So, you can add them as a user and not give them access. It will hopefully build their credit up right out of the gate," Grant said.When kids are ready for their own cards, parents shouldn't just pick the shiniest piece of plastic. Grant says a secured credit card could be a safer option for someone with little or no credit."It uses a refundable security deposit that you fund yourself to fund the account's credit limit, upon approval," Grant said. "So, there's less risk on the issuer's part. So, for somebody who is new to credit or doesn't have any credit history, that could get your foot in the door.Grant said he couldn't offer advice either way on whether grads should pay for college with credit. But he said that anyone that decides to take a "gap year" should try to pay off any existing debts and save for the future.For those that do decide to go attend college, Grant has some general advice."The best rule of thumb, on top of just general responsible use, is just try not to use your credit card for purchases you know you won't be able to pay off before that monthly due date," he said. "Not spending beyond your means, that's going to be more valuable in your college years than ever."For more ways to boost your credit score, click here.This story was originally published by Ross DiMattei on KTNV in Las Vegas. 3114

Lawmakers from across the country are responding following a mass shooting at a bar in Thousand Oaks overnight that claimed the lives of 13 people.Shots rang out late Wednesday night at the Borderline Bar & Grill. The alleged shooter has now been identified as David Long, 28, a former machine gunner a veteran of the was in Afghanistan. President Donald Trump took to Twitter early Thursday morning, calling it a terrible shooting and touting the bravery shown by law enforcement. RELATED STORIES: 13 dead in mass shooting at Thousand Oaks bar | Democrats vow action on gun control 619

LA MESA, Calif. (KGTV) – After being closed by the city in March due to the coronavirus pandemic, the La Mesa attraction known as the “secret stairs” was reopened to the public.The city announced Wednesday that the popular destination near Windsor Drive is open with specific social distancing guidelines in place.The stairs, widely used as a community trail or exercise route, was shut down on March 24 due to visitors not following social distancing rules.Despite the closure, some residents told the city that warning signs noting guidelines were being ignored.With the reopening, city officials are asking visitors to know the following before going to the stairs:WEAR A MASK: Everyone should wear a mask covering their face at all times while in this public space.MAINTAIN DISTANCE: Keep physical distance of 6 feet between individuals from different households and prevent crowding.PLAN AHEAD: Visit at times or days that are less crowded.KNOW WHEN TO STAY HOME: Those with underlying medical conditions should avoid public spaces when others are present. Stay home if you are feeling sick.SHARE OUR SPACE: To avoid crowding and allow everyone to use this space, please limit your time. Do not gather at entrances or near neighbors’ homes. Please no groups or fitness classes.The city is urging visitors to follow the rules “to help ensure these stairs can remain open for use.”Visitors are also asked to “be respectful of neighbors by keeping noise levels down.” 1477

LEIMERT PARK (CNS) - A 5-year-old boy was killed Wednesday when he apparently found a gun that went off in his hands inside a Leimert Park home. Los Angeles police responded at 1:15 p.m. to reports of a shooting in the home in the 2000 block of Van Ness Avenue, and the child was found inside. ``Initially it appears to be a self-inflicted'' gunshot, an LAPD official told City News Service. RELATED: San Diego gun law: New ordinance requiring safe storage or trigger lock for firearms takes effectNBC4 reported from the scene that the child and three siblings were inside the home with a woman, believed to be the boy's adoptive mother, when the shooting occurred. No other injuries were reported. LAPD Cmdr. Alfred Labrada told the station there does not appear to be any evidence of the bullet being fired into the home from the outside. ``We don't have any reason to believe there's any danger to the surrounding community,'' he said. ``We don't have any information there is a round that was fired into the residence at this point. We are looking at that as a possibility, but we don't see that as having occurred at this residence.'' RELATED: 12-year-old girl accidentally shot in the chest by cousin in Fallbrook, deputies sayHe said a gun was found inside the home and it ``is a possibility'' that the child discovered the weapon and it discharged. A man claiming to be the boy's grandfather told Channel 4 his son works as an armed security guard, so the weapon may have belonged to him. 1504

LARGO, Fla. — The family of Linus Phillip, a man killed by a Largo Police officer in Florida on Friday, is accusing detectives of using the dead man's finger to gain access to his cell phone.On Friday, police approached Phillip's car at a WaWa gas station in Clearwater. Police said the vehicle he was driving had illegally tinted windows. While standing near Phillip's car, the officers claim they smelled the odor of marijuana coming from the vehicle. Police claim Phillip tried to drive away and use his car as a deadly weapon. One officer, Matthew Steiner, says he was dragged by the car when he tried to open the door and feared for his life.Phillip was shot and killed by police. He did not have a gun in his possession. Steiner, a seven year veteran with no disciplinary action against him, was injured during the incident but is OK.Phillip's family is demanding surveillance video from the incident at the WaWa gas station in Clearwater where he was killed. Police claim the encounter was not caught on video, only officers giving Phillip CPR.The family lawyer, John Trevena was surprised."There was no denial of the video to the family so this is the first I've heard of that," said Trevena.The family also claims that detectives used Phillip's lifeless finger to access his phone at the Sylvan Abbey Funeral Home."So they are allowed to pull him out of the refrigerator and use a dead mans finger to get to his phone. Its disgusting," said Armstrong.Police did not comment on the allegations, citing that there is a still an active investigation into the case.Phillip's mother, Martha Hicks started crying during an interview on Wednesday."They killed him after his 30th birthday. Oh god, he turned 30 on March 11," Hicks said. "It's too much too much we just want to know what happened."The couple has two children together. Their young daughter lost her battle with leukemia last year.Their son, Isaac is 16 months old."My son is no longer going to go have a father, or to make his dad proud. He's not here anymore because of this and the police are slandering his name like some awful person," said Armstrong. "We are fighting to find out what happened." 2240

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