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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
CLARENCE STRAIT, Alaska -- A deer is back on dry land, thanks to the U.S. Coast Guard in Alaska.A crew was patrolling the Clarence Strait, off Alaska’s southern coast, when they spotted a deer in the water.The animal was caught in a current and struggling in the 49 degree water.The Coast Guard crew slowed their boat and got close enough the deer could swim up to them. They pulled the animal onboard and brought it back to dry land to be released. 457

CINCINNATI — Linda Zgoda has been volunteering at Hamilton County polling places for more than 20 years. She said it's important to her."I feel like to have honest elections, you have to have good officials," Zgoda said. "I feel like it's a civic responsibility for people to work at the polls."She pays close attention to details."It was initially when we had the signature poll book that I became aware that my neighbor was still on the rolls," she said. "Then after it had been on for so long, I became curious about it."The curious thing, in this case, was the fact that her neighbor had been dead for 14 years."I'm concerned that by someone being on the rolls, someone could improperly vote in their name," Zgoda said.She contacted the Hamilton County Board of Elections and was told a family member needed to turn in her neighbor's death certificate to have that person removed."Since this has been brought to our attention, we did more research, and we've been able to obtain some more identifying information, and that person has now been canceled," Hamilton County Board of Elections director Sherry Poland said.Poland said the state and county usually do a more thorough job of removing deceased voters from the rolls, but this time was different."We did receive a deceased Ohioans report at that time (in 2004), and (it) included his name but didn't include his address," Poland said. "The report did have a date of birth, but we didn't have a date of birth on file."Poland said her office has about 790 Hamilton County voters who don't have their date of birth or identification on file because those people registered at a time when they didn't have to give that information.When asked if there might be more deceased voters on the rolls that the state might have missed, Poland said that she thought it was highly unlikely because more identifying information is required from voters now.She said that no one tried to vote under the name of Linda Zgoda's deceased neighbor in the time that it had incorrectly been listed on the rolls.The Hamilton County Board of Elections is working to get more identifying information from all voters in the county, she added. 2198
Country legend Garth Brooks started the County Music Awards on Wednesday night by paying respects to the 12 people killed at the Borderline Bar & Grill last week."On behalf of our country music community I want to say that tonight's show is lovingly dedicated to the 12 individuals who we lost far too soon just a week ago tonight at the Borderline in Thousand Oaks, California," Brooks said as a sea of camera phone lights illuminated the stadium. "Tonight let's celebrate their lives, let the music unite us with love and their enduring memory. So please join me now in a moment of silence."The Borderline Bar & Grill, is a college country bar 40 miles west of downtown Los Angeles. The night of November 7 turned deadly when a gunman forced his way into the bar and opened fire.Police later identified the gunman as Ian David Long, a 28-year-old US Marine Corps veteran. He was pronounced dead after officers arrived. 943
CORONADO, Calif. (KGTV) - About 100 people came to worship at Glorietta Bay Park in Coronado on Friday.The 'Saturate OC' event was held by a Southern California congregation. They hold worship services and baptisms along beaches and waterfronts.It is the second 'Saturate OC' event in San Diego County in back to back weeks."It would be hard to understand if you're not a believer, but we prayed about it, and thought this was the next place we were supposed to come," said Parker Green, co-director for 'Saturate OC.'They held a worship service in Oceanside on Aug. 28, which drew hundreds of people. There were people seen not wearing face coverings or social distancing at that event.Green says they have face coverings at the event to people who want them. They also provide hand sanitizer. He also added he doesn't know of one person that got sick from their events."People can wear masks or not, we tell them to bring masks on our social media, but I think the crowd we tend to draw would be folks that would wear a mask in a public setting, especially outside," he said.People at the Coronado worship service appeared to be more spaced apart than those in the Oceanside event.Members of the county's Safe Reopen Compliance Team were at the event talking to people. They were also at the Oceanside event. 1318
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