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SYDNEY, Australia – Koalas are on track to become extinct in New South Wales before 2050, according to a report from the Australian state’s parliament.A committee released the report Tuesday after a year-long inquiry and it’s asking the government to take immediate action to save the nation’s most loved animal.A government estimate showed that there are about 36,000 koalas in the state, but the committee says that estimate is outdated and unreliable.The report says the loss in koalas is partly a result of the 2019-2020 bushfires that devastated the country. The committee says at least 5,000 koalas were lost in the fires over the past year, potentially more.“An estimated 24% of koala habitat on public land has been severely impacted across the state, but in some parts, there has been a devastating loss of up to 81%,” the report says of the wildfire devestation.However, the committee says the most serious threat to koalas is habitat loss.“The ongoing destruction of koala habitat through the clearing of land for agriculture, development, mining and forestry has severely impacted most koala populations in the state over many decades,” wrote committee chair Cate Faehrmann. “The committee found that this fragmentation and loss of habitat poses the most serious threat to koala populations and made a number of key recommendations that stronger action must be taken by government to protect and restore koala habitat on both public and private land.”The committee also found that climate change is having a severe impact on koalas, not only by affecting the quality of their food and habitat, but also by compounding the severity and threats of other impacts, such as drought and bushfires.Along with its findings, the committee provided a long list of recommendations for the government to implement in order to save the state’s koalas. Those included prioritizing the protection of koala habitat corridors, improving monitoring methods and increased funding.One recommendation encourages the government to look into the establishment of a Great Koala National Park on New South Wales’ North Coast. 2120
Taylor Swift was once the sweetheart of Nashville and a frequent attendee of the CMA Awards.She racked up 11 wins and 26 nominations before crossing over to becoming a global pop star. Since that time she has moved away from her country roots. In fact, she has not seen a CMA nominee since 2014 when she was nominated for Female Vocalist of the Year. She is back on the CMA ballot this year not as a performer but as a songwriter. She wrote Little Big Town's chart-climber "Better Man", which is up for Single of the Year, Song of the Year and featured on a nomination for Album of the Year.Little Big Town is also nominated for Vocal Group of the Year. The Song of the Year nomination is what has Music Row talking about whether they will see Swift at this year's award show. That particular award is given to the writer of the song, not the performer.That means if the song is a winner tonight at Bridgestone Arena it would make sense to see Swift on stage to accept the award.Her last appearance at the show was just a year ago for the 50th anniversary when she presented Garth Brooks with the award for Entertainer of the Year.?Swift is in the middle of a busy week. In the past 24 hours she released the full track list for her upcoming album and also shared videos from a private listening party she had for lucky listeners at home.Swift's new album, "Reputation" drops Friday.To find out if she will make an appearance at the 51st Annual CMA Awards, tune in tonight at 7p.m. (CT) on ABC. 1518

Synthetic cannabinoids — often called Spice, K2 or fake weed — have been tied to 38 cases of severe bleeding, including one death, across Chicago and areas in central Illinois.All of those cases required hospitalization related to coughing up blood, blood in the urine, bloody nose, bleeding gums and other symptoms. Three cases tested positive for brodifacoum, or rat poison, according to a statement from the Illinois Department of Public Health on Saturday.Now, state officials are working to identify any common synthetic cannabinoid products related to those cases and to determine where the products were obtained.There are still many questions about the outbreak that need answers."This is the first time we've seen an outbreak of this magnitude in the area," Melaney Arnold, a spokeswoman for the Illinois Department of Public Health, said Monday."We're working with numerous different partners across the city and state as we investigate this outbreak," she said.Synthetic cannabinoids are sold in convenience stores, gas stations, drug paraphernalia shops, novelty stores and even online.Health officials warn that anyone who has a reaction to synthetic cannabinoids immediately should call 911 or be taken to an emergency department. 1267
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
Technology is constantly evolving, and often times, it makes things more convenient.Charley Sullivan uses smart technology a lot, specifically her Amazon Echo.The Echo’s virtual assistant, Alexa, will read Charley’s emails aloud to her, check the weather and more.She thought it’d be a great gift for her husband, Bobby, but he knew she’d enjoy it more.“I knew how much she was going to use that thing,” he says. “I mean, she uses it to read her bible listened to radio programs; she plays games on it.” Amazon’s Alexa has brought convenience to homes everywhere, by playing music, checking the news, ordering groceries and more. But it’s especially helpful when you can't see.Both Charley and Bobby are blind.“Well, it's so wonderful,” Charley says of the device. “And when I was a child, we had braille, and we had books on records.”Now, the two are using Alexa, along cell phones and an Apple watch to make life easier.While they wish the technology could do even more, the two are grateful.“If you are going to be blind, this is the time, the day and time to be blind, with all the technology that there is out there today,” Charley says. 1155
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