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Tens of millions of Americans live in food deserts, with limited access to fresh and healthy foods. And according to Feeding America, the pandemic has put millions more at risk of experiencing food insecurity.Residents in one Oakland neighborhood have a convenient grocery store for the first time in four decades, and it became even more essential during the pandemic. "It's got to be easy for them to get it, and the more effort there is and time involved in the shopping, the less fresh foods is going to be in that basket," said Brahm Ahmadi, the CEO of Community Foods Market. While he'd never owned a grocery store, Ahmadi understood what the absence of one could mean for a community."Families were disproportionately suffering from diet-related chronic diseases, diabetes, hypertension, heart disease," said Ahmadi. "And then all the residual, other negative impacts that has. For example, family members are sick, they can't work, and then income is reduced."After raising over several million dollars, Ahmadi's vision of a full-service market came to life one year ago."When the pandemic hit, I did still want to come to work because we need a store like this around," said employee Sharon Rance, who's worked at Community Foods Market since it opened."They were one of the stores that survived, they had the essential things we needed," said Eleanor, a local and regular customer. But like the big grocery store chains, the independent market was not immune to the overwhelmed supply chain."I think the whole industry was kind of caught off guard, and then we were also blown away by how difficult it was to build back having product in the store," said Ahmadi. He says changes in the industry are already happening, with manufacturers reducing the number of items they making to keep top-sellers consistently available. Ahmadi knew the market would have to step up efforts to continue serving the already economically fragile community."To help them stretch their even more limited dollars to make ends meet," said Ahmadi. With help from an emergency grant, they've been able to offer shoppers on food stamps a 50 percent discount on their entire purchase. They also began providing free delivery to seniors 65 and older.The market has never been busier. "My belief is this community deserves it, like any other neighborhood, and has the ability to support it," said Ahmadi.By fulfilling this basic human necessity, Ahmadi believes they're laying a foundation to help residents prosper in other areas. 2521

The Better Business Bureau (BBB) is warning the public about fake social media giveaways, where scammers use a technique called “like-farming.”The scam involves posts on Facebook, Instagram or other platforms that ask you to like or comment to enter for the chance to win something, like 0 in groceries for example.The catch is that many of these giveaways don’t actually exist. They’re created by scammers as a way of accumulating as many social media interactions as possible, according to the BBB.Once the scammers have garnered enough likes or comments, the BBB says they’ll edit the post and add something malicious, such as a link to malware.Other times, the BBB says the scammers will strip the original content off the page that has garnered likes and use it to promote “spammy” products or sell it on the black market.While these phony giveaways exist online, so do legitimate ones. The BBB has offered these tips to decipher which are real and which are fake:Look for the blue checkmark. Many social media platforms verify pages from brands and celebrities so that users can tell real pages from copycats. Make sure you look for that trust mark before liking and sharing content.Watch out for new accounts: If you think a giveaway is real, click on the business or celebrity’s profile. If it’s a new account with very little other content, that’s a big red flag.Look out for spelling errors and typos: Real brands use giveaways to promote their company. Spelling errors and typos will make them look bad! They are a big warning signs of a scam.The giveaway asks you to complete too many tasks: If a giveaway asks you to comment on multiple posts, follow several accounts, and tag a couple of brands, it becomes almost impossible to keep track of everyone participating and pick a winner at random (as required by law).There are no terms and conditions. Online giveaways should include contact details of the organizer, how to take part, how the winner will be selected, and eligibility requirements. If you don’t see information, that’s an instant red flag.Don’t click “like” on every post in your feed. Scammers are counting on getting as many mindless likes as possible, so be sure you only “like” posts and articles that are legitimate. Don’t help scammers spread their con. 2298

Telecommunications company AT&T told its customers on Wednesday evening that they may need to restart their device in order to regain cellular service following a massive service outage. According to the outage tracker Down Detector, a sudden spike in AT&T outages were reported around 6 p.m. ET. Thousands of customers were reporting that their AT&T cellphone service was out. "If you've experienced an issue when making wireless calls, please restart your device, this might be required multiple times- that should resolve the issue," AT&T said on its Twitter page. AT&T said in a statement that it is aware of the outage."We are aware of an issue affecting some users ability to make certain wireless calls. These users should restart their devices, which should resolve the issue," the company said.By 9:30 p.m., outage numbers were returning to normal levels, according to Down Detector.Some customers said that restarting their device did not solve the issue.   1030

Starter credit cards, aimed at those who are new to credit, have been around since at least the 1970s — and they used to be much easier to qualify for.Card issuers once were able to lure young adults, particularly students, with a variety of incentives that federal regulations now prohibit under the Credit Card Act of 2009.“When you started college prior to the Card Act, you could get a Frisbee and a credit card at the same time, or a chance to win a computer and a credit card,” said Rod Griffin, senior director of public education and advocacy at Experian, a credit reporting agency.Credit card eligibility requirements are stiffer now, especially amid the COVID-19-related downturn, as banks tighten lending standards to mitigate risk. It all adds up to more obstacles for those seeking to start the clock on their credit history. About 20% of the U.S. adult population doesn’t have a scorable credit file with the three major credit bureaus, according to a report by the Consumer Financial Protection Bureau.Still, qualifying for a starter card is not impossible, and more options exist today.Eligibility for starter credit cardsThe same CFPB report also notes that credit cards are the most common way to establish a credit file for all income levels and age groups.But age matters in terms of your eligibility for a starter card.IF YOU’RE UNDER 21Applicants generally have to be 18 to apply for a credit card on their own. Applicants under 21 can only report independent personal income, including regular allowances. If you’re a student, you may also report scholarships and grants.“I got the Discover student credit card on the first try,” said Karumi Narasaki, a 20-year-old student based in Indiana and creator of the YouTube channel Rumi’s Life. When she applied for the card, she says she included part-time income from two jobs and school aid received to cover books, rent and food.IF YOU’RE OVER 21Once you turn 21, income restrictions loosen slightly. You can include any income to which you have reasonable access, such as the income of a partner or a spouse, for instance. Income is still a necessary requirement to demonstrate your ability to make payments on borrowed amounts. Other requirements may also exist, depending on the card.If you can’t meet the income requirement at any age, a co-signer could help you build credit with a credit card. You’ll get your own credit card and account, but the co-signer assumes responsibility for the bill if you can’t pay it. Not many issuers allow co-signers on credit card applications these days, but there are still some that do.Types of starter cardsThe ideal starter card should have no annual fee and report your payment history to the three major credit bureaus: TransUnion, Equifax and Experian. These bureaus compile the credit reports that form the basis of your credit scores.Creditors review your credit scores to determine the likelihood that you’ll pay them back. A good FICO credit score of 690 or higher can make it easier to get an apartment, set up utilities and access better interest rates on credit cards or loans, for example.Starter card options may include:AUTHORIZED-USER CARDSCredit cards for authorized users are tied to a primary cardholder’s account. You are issued a card with your name on it, but the primary cardholder is responsible for making the payments. If that person uses his or her credit card wisely, it could reflect well on your own credit history, but double-check with your issuer.“It’s still recommended if you’re going to become an authorized user that you ask the lender if they actually report the account for you,” Griffin said. “If they don’t, it’s not going to help you build a credit history.”SECURED CARDSSecured credit cards are easier to qualify for because they require a cash deposit as collateral, reducing the risk to the issuer. The deposit amount usually determines your credit limit.With a good payment history, you eventually get your deposit back when you close the account or upgrade to a traditional “unsecured” credit card with the same issuer.STUDENT CREDIT CARDSStudent credit cards may require enrollment at a college or university. They also may require that you have at least some existing credit history. You can find exceptions, though.Some student cards may even pack helpful, student-friendly features like waived late payment fees or incentives. Rewards on student cards are uncommon, but some options exist.“I also considered applying for a secured card initially, until I found out there’s a Discover card,” Narasaki said. “It had cash back, which is unlike any of the other cards that I looked up, so I thought it was a pretty beneficial card and it had a lot of perks.”ALTERNATIVE-UNDERWRITING CARDSAlternative-underwriting credit cards have joined the market in recent years with some game-changing approaches. Most of these cards don’t charge a security deposit, and many can use factors other than the traditional FICO scoring model to assess your creditworthiness.If you don’t have a credit history, issuers of these cards may instead look at your employment, income, spending or savings to determine your ability to pay. As a result, they may require government-issued documents, bank account information, employment verification requirements and other details as part of the application process.In some cases, you may not even need a Social Security number to apply, which is helpful for newcomers to the U.S. who have limited options.Starter card alternativesEven with more starter card options on the market, the eligibility requirements may still leave some applicants out. But credit cards aren’t the only way to build a credit history. Some services make it possible to report certain bill payments to the credit bureaus to establish a credit file.For instance, rent-reporting services can record rent payments on credit reports for a fee. Experian Boost records cell phone and utility payments on Experian credit reports for free.You can also consider applying for a credit builder loan.More From NerdWalletIf Credit Card Relief’s a No-Go, Check Out Debt ManagementFor Homeowners, Saving a Down Payment Is Only the Start6 Great Recession Money Lessons That Still Apply TodayMelissa Lambarena is a writer at NerdWallet. Email: mlambarena@nerdwallet.com. Twitter: @LissaLambarena. 6346

Student loan debt has surpassed trillion. It's expensive to go to school, and loans help many afford higher-education but not all that money may be going toward tuition and books.A survey found that one in five college students are using some of their leftover loan money to dip their toes into virtual currencies like Bitcoin.The mere mention of cryptocurrency is enough to make Loyola University Maryland Assistant Accounting Professor JP Krahel cringe.“Oh, oh boy,” said Krahel with the Sellinger School of Business.Even worse, students are buying into it and they're using student loan money to do so.The allowance meant for living expenses is instead being invested into Bitcoin and Ethereum. The Student Loan Report found that's how 21 percent of current college students are using their excess financial aid money.“Given the unregulated market of cryptocurrency, given what we've already seen, proven volatility, and given the fact that student loan debt is something you can't get rid of in bankruptcy, I personally, without getting too hyperbolic here, I would not do that,” Krahel said.A warning from someone who knows money, but even his wisdom is not enough to convince some of his own students.“They'll say, ‘Oh, did you see what bitcoin did yesterday, I made x dollars,’ I'm like, children, come on. Your interest rates and student loans that's what you should be worried about. If you have free money, send it back to Sallie Mae, you know, pay that debt off early because that stuff starts snowballing and paying off debt is a guaranteed return on investment,” said Krahel.And yet it's hard to shake the promise of investing in a market that's produced millionaires from relatively low investments just several years ago.“I don't want to knock cryptocurrencies, they do have a value, but people are getting into it because of that volatility, because you could have a thousand today and ,000 tomorrow,” said Krahel. “So, if you're willing to only see the upside, cryptocurrencies are great but that's not the way life works.”Bitcoin's value has sunk ,000 in the last month and plummeted from its peak in December at nearly ,000.However, with every slump there's also the possibility of a rally. These students could prove their professor wrong or learn a real-life lesson about loss and spending wisely.Krahel said you should be borrowing the least amount of money possible so you have less to pay off in the future.Students are graduating with an average of ,000 in student loan debt. 2541