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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

CLAY COUNTY, Tennessee — Three people were shot Monday morning at a residence in Clay County, Tennessee, where a school bus driver pulled up to the scene and provided aid.The incident was reported at a home on Crabtree Creek Road and North Fork Road in Whitleyville. A school bus driver called 9-1-1 after he or she pulled up to a stop and realized there had been an incident in the home. Initial reports indicated that the shooting happened on a school bus. However, Clay County School officials confirmed the incident did not happen on the bus. The bus driver gave aid to at least one person in the home.  At least two of the victims were airlifted to Nashville for treatment. A third person was transported by ambulance. 756

Comments by Mike Milbury, an NHL broadcaster for NBC Sports, were condemned by the NHL on Friday. The league called the remarks “insensitive and insulting.”Late in Thursday’s playoff game between the Islanders and Capitals, Milbury commented, “Not even any woman here to disrupt your concentration.”Milbury was referencing a bubble setup in Toronto for Eastern Conference teams that qualified for the postseason. Outside of players and coaches, only a handful of team and league officials are allowed inside the bubble. Families were among those excluded from the bubble, which is why some players, most notably Bruins goalie Tukka Rask, decided to opt not to remain in the bubble.A similar bubble was made in Edmonton for Western Conference playoff teams.Milbury was originally slated to be on the broadcast for Friday's playoff game between Montreal and Philadelphia. He is no longer listed as part of the broadcast team.The NHL issued the following statement on Friday:"The National Hockey League condemns the insensitive and insulting comment that Mike Milbury made during last night's broadcast and we have communicated our feelings to NBC. The comment did not reflect the NHL's values and commitment to making our game more inclusive and welcoming to all."Milbury played 12 seasons with the Boston Bruins following by coaching stints with the Bruins and Islanders. 1378

COLUMBIA, S.C. — Rapper Kanye West used part of his first event since declaring himself a presidential candidate to rant against historical figure Harriet Tubman. West said the Underground Railroad conductor “never actually freed the slaves, she just had them work for other white people." West's comments drew shouts of opposition from some in the crowd gathered Sunday in North Charleston, South Carolina. His appearance was marked by a lengthy monologue touching on topics from abortion and religion to international trade and licensing deals. At one point he said he and wife Kim Kardashian had considered terminating their first pregnancy. Several sources report West became tearful during the speech Sunday, explaining how a message from God changed his mind and he got a call from Kardashian saying they were going to have the baby. North West was born in 2013. Whether West is actually seeking the nation’s highest office remains a question. Last week he met the requirements to appear on Oklahoma's presidential ballot. An Oklahoma elections spokeswoman says a West representative submitted paperwork and the ,000 filing fee Wednesday for the state's Nov. 3 ballot. A West adviser told New York Magazine that West was out, but TMZ reports his campaign filed with the Federal Election Commission. West has already missed the deadline to qualify for the ballot in several states. 1397

COLFAX, Calif. (AP) — Gov. Gavin Newsom defended California's wildfire prevention efforts Wednesday while criticizing the federal government for not doing enough to help protect the state as it enters the height of fire season after two deadly, disastrous years.His jab at Republican President Donald Trump, who has repeatedly criticized California's Democratic leaders for poor forest management, comes a day after Newsom signed a law requiring Trump and other presidential candidates to disclose their tax returns in order to appear on the state's primary ballot.Newsom said 33 of 35 high-priority forest-thinning projects are on pace to be completed on schedule by year's end after he eased environmental laws to speed permits. They are designed to slow the spread of devastating wildfires near more than 200 communities in fire-prone areas by removing brush and smaller trees.The most recent records provided Wednesday by the state's firefighting agency show many of the projects are getting a slow start. Just two of the 35 projects are substantially complete as California enters what CalFire Chief Thom Porter warned could be another damaging fire season that has been slowed by last winter's heavy, lingering snow at higher elevations. Three more projects are at least half done, while the report says two-thirds are less than 20% completed, though some of the status updates are more than a month old.Officials said the bulk of the delays are in getting permits and permission from private landowners. Newsom said one project has required 719 permits despite his effort to cut through the red tape, while another has been slowed by illegal marijuana farms in the area where work is to be done.Clearing and prescribed burning should pick up this fall, Porter said."That's going remarkably well," Newsom said. "It's not perfect but we are making progress."Community leaders seemed understanding of the progress."If 33 of the 35 are going to be done by year's end, that's pretty speedy. We've seen it take three to five years. Our fire safe council has had a terrible time doing those projects," said Paradise Mayor Jody Jones, whose community north of Sacramento was nearly destroyed by a deadly blaze last fall. "It's really a very arduous process."Farther north, Shasta County Supervisor Les Baugh said that once the state gets the necessary agreements from landowners, "crews should be able to move rapidly" on a project to protect the community of Shingletown.Newsom spoke after touring a project near Colfax in the Sierra Nevada foothills northeast of Sacramento that officials said is about 30% complete. The state's project butts up against federal land, however, and Newsom said "there's nothing happening on the other side of that line.""We need a more robust commitment" from the federal government, he said. "We need more support."But while the Democratic governor and Trump differ on policies like the environment and immigration, Newsom said there has been good cooperation with federal agencies when it comes to disasters and violence like Sunday's mass shooting at Northern California's Gilroy Garlic Festival.Newsom said he talked to Trump on Tuesday for the second time in 10 days, though he would not say what they discussed. The White House confirmed the call but did not respond to his criticism.Newsom also said he did not regard the state's new tax return disclosure law as "a swipe" at Trump, calling it a "transparency requirement" that also will apply to gubernatorial candidates. He noted his own tax returns will show his family has several acres of property that belonged to his late father in the Colfax area that will benefit from the wildfire safety project.The governor also announced the state will hire nearly 400 additional seasonal firefighters this year. Most of the new firefighters will be used to add a fourth crew member on CalFire engines, while two-dozen will supervise firefighting crews made up of members of the California National Guard.As a result, "our firefighters will continue to work incredibly long shifts without being driven to a breaking point," said Tim Edwards, president of the union representing about 6,500 CalFire firefighters. 4205

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