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With warmer weather and shorter winters, the ski industry is suffering.“We’re long passed the time when you can drive a Prius and say, ‘I’m doing what I can on climate,’” said Auden Schendler, senior vice president of sustainability with Aspen Skiing Company, one of the oldest ski resorts in the country.Schendler says with the planet warming due to greenhouse gas emissions, America has lost a month of winter since 1940, if you count winter as a day with frost. He predicts those numbers will get even worse, if the world doesn’t get a better grip on climate change."50% reduction in the season in certain locations by 2050 and 90% by end of century,” Schendler said. “If you loss the last half of March, because its suddenly super hot and people are playing golf, you’re going to go out of business.”While these environmental challenges are impacting ski town economies across the country, scientists say warming weather is also hurting people who never even hit the slopes.“Scientifically, changes have been happening really quickly and we’ve been able to see them intensify over the years, too,” said Twila Moon, deputy lead scientist with the National Snow and Ice Data Center.Her team’s research shows climate change has a trickle-down effect on some of our most important industries.“It does influence agriculture,” Moon said. “It influences water run off which impacts our drinking water. So, drought and flood patterns are different.”Also, it means a different way of operating for ski resorts.“We used to be able to have more snow more reliably and now it’s more volatile,” said Jim MacInnes, CEO of Crystal Mountain Resort in Michigan.MacInnes has had to adjust to changing climate during his 35 years in the ski industry. Today’s warmer weather causes his team to spend more money and more energy on making snow at times of winter when it used to still fall from the ski.The dry-up has caused his Crystal Mountain to adjust operations and become more of a four-seasons resort.“We do a lot of things in the spring, summer and fall that have helped to mitigate the winter climate change problem,” he said.A former electric engineer, MacInnes is looking for ways to fix this worldwide problem.“Just know that there are a lot of solutions shifting more of our energy use to electricity, clean electricity,” he said.Back in the Rocky Mountains, Schendler supports scientific solutions but believes real changes on the ground level will only come through pressuring high-ranking government officials.“This is a global systems problem, and we need systems solution,” he said. “Which means American government needs to lead.” 2639

-- about ,800 -- to carry out the hit.Prosecutors have charged eight men and one woman as accomplices.Authorities also say Ferreira Cruz, 25, is 148

— a mystery that remains in hot debate even today.KNXV reached out to several aviation experts who theorized the lights seen Sunday could be from parachute flares used by the military or even helicopters or other aircraft dropping flares during training.In fact, the Outlaw Military Operations Area sits not far from where the video was shot.But video found online of those types of exercises just doesn't seem to match."There were no navigation lights, even the military has to have navigation lights on, that's an FAA rule," Maier said.KNXV reached out to the Federal Aviation Administration, Luke Air Force Base and the Army National Guard, but none could say for certain what it was, leaving the answer to what was caught on camera to anyone's guess."I know what I saw, and I don't think it was from here, and I think it was definitely something else," Maier said.This story was originally published by 908

Your credit card issuer can lower your credit limit at any time, regardless of how well you manage your account. Issuers might cut credit limits to minimize risk in an uncertain economy, as many cardholders have experienced during the COVID-19 pandemic in 2020. Or they may do it when cardholders regularly use what the issuers see as too much or too little of their available credit.Credit card companies determine your credit limit by evaluating several factors, like your credit score, your income, the available credit you already have and how much of that existing credit you’re using. Ultimately, though, they can increase or decrease limits whenever they want.When can a credit card issuer reduce my credit limit?Although credit card issuers can lower your limit at any time, they are most likely to do so when:You use too much of your available credit: When a cardholder regularly maxes out their credit limit or carries high balances, credit card issuers may view it as a sign of financial trouble. As a result, they may cut your credit limit going forward to minimize their own risk. This is especially true if you start paying late or missing payments.When the card is inactive or seldom-used: The company that issued your credit card makes money only if you use the card. (That money comes from transaction fees and, if you carry a balance, interest.) If you rarely use it, the issuer may be inclined to reduce your limit and, effectively, allocate that available credit to someone else who’s more likely to generate income for the issuer. If you let your card sit for too long without using it at all, your issuer might close your credit card entirely, leaving you with a potentially damaged credit score and no card to use.When the economy is uncertain: Credit card issuers have been known to reduce credit limits to minimize their risk when the economy is uncertain. Most issuers cut credit limits during the Great Recession, according to a survey by the Federal Reserve. They also did so in response to the COVID-19 economy.Can credit card companies lower your credit limit without notice?Credit card companies are not required to notify you about lowering a credit limit unless it will lead to an over-the-limit fee, which is unlikely since many issuers no longer assess this fee. In most cases, credit card companies are required to notify you 45 days ahead of time about any changes to your account’s terms and conditions, but this is one exception.Though credit card issuers aren’t obligated to notify you about a credit limit decrease, it’s common for them to do so. If you do receive such a notice, it might include a reason why the issuer trimmed your credit limit. You might even be able to ask to keep your current credit limit, depending on the reason for lowering it.Can I avoid credit limit reduction?You might be able to avoid a credit limit reduction, but it will likely depend on your issuer and your track record on managing your credit. The best attempt at avoiding one is to contact your issuer as soon as you learn that your credit limit is changing. You have nothing to lose by asking the company to consider keeping your prior credit limit.If you’re on the brink of maxing out your credit card or you’re using a lot of your available credit, it may be more difficult to persuade your issuer to leave your credit limit alone. Cardholders whose limits were slashed due to inactivity may have better luck.Act fast to contact your credit card issuer as soon as you get notice, if you get any. If you wait too long, you might have to undergo a credit check to get a credit limit increase, and there’s no certainty that you’ll get bumped back up to your previous amount.Will a decreased credit limit affect my credit score?A lower credit limit can affect your credit score if it materially changes your credit utilization ratio, the percentage of your available credit you’re using. Utilization is a key factor in your credit score. A rule of thumb is to use less than 30% of your available credit.Even if a reduced limit pushes you over that percentage, the effect doesn’t have to be permanent. Stay on track with payments and get your debt down, and your credit can recover.More From NerdWallet6 Credit Card Scams and How to Avoid ThemIs It OK to Never Have a Credit Card?Today’s Definition of Financial Adulthood Is More Flexible Than EverMelissa Lambarena is a writer at NerdWallet. Email: mlambarena@nerdwallet.com. Twitter: @LissaLambarena. 4485

You can preorder an iPhone 8 or iPhone 8 Plus starting Friday. But Apple has created something of a conundrum for customers by postponing the release of its higher-end iPhone X until Nov. 3.Do you buy an 8 or wait? It's a difference of 0 to 0, six long weeks and the ability to animate yourself as a cartoon poop.Related: See photos of Apple's iPhone through the yearsYou have to dig through a lot of superlatives and made-up marketing terms (Bionic chip, Super Retina, deeper pixels) to find what's really new in the iPhone 8, iPhone 8 Plus and iPhone X. To help you decide when (or if) you should spend hundreds of dollars on a new iPhone, let's look at what each device offers. 694