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Your credit score. It's the magic three-digit number that offers you access to a world of opportunity, like renting a fabulous apartment, or snagging a cheaper rate on a home mortgage or a car loan.Yet one in five Millennials have never even checked their credit score, according to new data by LendEDU, an online marketplace for student loan refinancing.But if you're not planning on making any major purchases, do you really need good credit?Most people are familiar with the notion of presenting your credit score when you lease a car or rent an apartment. But everything from your deposit requirements set by utility companies to the premium you pay for your insurance can be affected by your credit score, according to Jeff Richardson, a credit expert at VantageScore."A low credit score can mean the difference of thousands and thousands of dollars," says Richardson.Here are three ways you may be really mismanaging your credit:1. Getting sloppy with contractsYou're nearing the end of a car or apartment lease, and the end is in sight. But forgetting to pay that final utility bill before moving, or defaulting on your apartment lease, can land your credit score in hot water, says John Ulzheimer, a credit expert at The Ulzheimer Group."Not paying final utility bills is a particularly important to be wary of since young people tend to be more nomadic than older people," he says.You can also end up with a lower credit score by running up excessive mileage on a car lease or failing to pay for damage to an automobile or an apartment."These are the terms that are often overlooked by younger credit users and jump up to bite them in the form of a large lump sum required payment," he says.2. Overdoing it with credit card applicationsIt can be tempting to apply for retail credit cards to save some money on your shopping purchases, but failing to space out applications can temporarily damage your credit score, according to Ulzheimer.He notes that young people should be particularly cautious over the holidays, when many retailers urge people to take advantage of big discounts for holiday sales.Every time you apply, the creditor will run a credit check before they approve you for a new card.Not only are the credit checks a temporary drag on your score, but opening new cards can drag down the average age of your credit history, another factor that weighs on your score."[Retail cards] result in several new credit inquiries and new accounts, and both of those can hurt your credit scores," he says.3. Avoiding credit altogetherThese days, it feels increasingly easier to avoid using credit cards. Apple Pay, Paypal, Venmo and prepaid debit cards have vastly changed the way people make financial transactions."Back in the day there were very little options outside of a general use credit card," says Richardson.Today, however, young people can't even access credit cards until they have proof of income, as a result of the Credit Card Act of 2009. That is causing many people to delay building their credit score -- a mistake that may haunt them as they try to make larger purchases later in life, according to Richardson."Unless you're going to write a check to buy a car or house, you're going to need some sort of credit," he says. "Credit avoidance is simply not credit management." 3329

by switching to take-out and delivery only. Some restaurants have had to lay off workers or put them on furlough. As restaurants struggle to stay in business, one Arizona boss is going all out for his employees.Pete Stidham, owner of the Original Breakfast House in North Phoenix, has decided to donate 100% of all his take-out order proceeds to the employees he has had to put on furlough."This way at least they get a little something in their paychecks. It's not the full amount but it's something," said Stidham.The California beach-themed restaurant has been a staple in the neighborhood for the last seven years. Stidham, who has worked in the restaurant industry since 1966, says he knows the plight of his employees."I started as a dishwasher at Denny's 50 years ago. I know how hard it is and how employees are struggling, just barely making their bills. It's tough. They're the ones suffering the most," said Stidham.Employees who worked at the Original Breakfast House told KNXV they were extremely touched by their boss' move."John is just a remarkable man. We're his family. He is our family. [We're] just so thankful. He didn't have to do that," said Seta Garabet, who has been a server at the diner for five years.She, like others, suffered a big hit to her paychecks due to the sudden decline in business, and the move to take-out only. "It's been about 0 less. It's tough. We're deciding what bills to pay. It's a roll of the dice right now as to what bill I'll pay," said Garabet.Stidham, who is in his early 70s, says he could have easily closed the shop and gone home to take a break. The only reason he's kept the doors open, he says, is so his staff can get paid. "I'm a single man, got no wife, no kids. But here we've got 30 employees. Among those 30 employees, they've got 25 kids. Those kids gotta eat," he added.Loyal customers have also been generous to the staff, giving them big tips. While KNXV was in the restaurant a customer dropped off a check for 0 with a note stating it was "for your wonderful staff". The diner is located at 13623 N 32nd St, Phoenix, AZ 85032.This story was originally published by Sonu Wasu at KNXV. 2164

Americans are far less likely to have used deodorant or antiperspirant in the last 30 days than their older counterparts, according to a study conducted by global research and opinion company 194

Bloomberg School of Public Health and Temple University. The study, titled “The Effect of Medical Marijuana Laws on Health and Labor Supply,” appeared in the spring 2019 issue of the “Journal of Policy Analysis and Management.” It suggests medical marijuana laws may improve the health and employment prospects of older Americans. “Our study is important because of the limited availability of clinical trial data on the effects of medical marijuana,” says Lauren Hersch Nicholas, assistant professor in the Bloomberg School’s Department of Health Policy and Management. “While several studies point to improved pain control with medical marijuana, research has largely ignored older adults even though they experience the highest rates of medical issues that could be treated with medical marijuana.” Among those who had a health condition that would qualify for medical marijuana in their home state, a 4.8 percent decrease in reported pain and a 6.6 increase in reported "very good or excellent health" were seen in the responses from more than 100,000 survey participants older than 51, according to a statement on the study from the Bloomberg School. The data came from the data from the 1992-2012 Health and Retirement Study, which is the largest nationally representative survey to track health and labor market outcomes for older Americans. Researchers looked for responses and symptoms that might affect a subject’s ability to work.“The study found that medical marijuana laws lead to increases in full-time work,” a statement from the school said. Looking at the sample of survey participants who qualified for medical marijuana treatment, researchers found a greater increase in full-time work after laws allowing access to medical cannabis passed in those states. The study suggests that the potential negative effects medical marijuana may have on worker productivity are outweighed by the increased capacity of those under such treatment to work. The results of the study may inform policy discussions about medical marijuana, potentially broadening support for more research into its use as effective medical treatment, the school said. Currently marijuana’s status as a Schedule 1 drug at the federal level limits opportunities to study the substance and build evidence that could be used for treatment or policy decisions. Currently 33 states and Washington, D.C., have laws that legalize marijuana for medical use. 2439

You may be starting to look ahead to the holidays and there's no doubt that travel is already changing.Now, hotels are putting together packages that try to accommodate some of these travelers.“We've seen things as extreme as the Four Seasons in Orlando put together a package where they set up a private school room, where they actually have their camp staff acting as teachers,” said Dia Adams, a Travel Rewards & Credit Card Analyst at Forbes Advisor.As far as holiday travel goes, we're seeing some of the lowest fares we've seen in a decade, according to Forbes Advisor.“Usually you're told, don't travel the day before Thanksgiving, don't come back the Sunday of Thanksgiving. Even on those days, I was seeing both availability wide open,” said Adams. “And I was seeing what I consider to be off-peak air fares for times people usually want to fly.”But just because prices are low, doesn't mean you should necessarily jump on a deal.Only some airlines are promising to keep middle seats closed or to socially distance passengers. Other airlines may be taking full flights because there are now fewer flights.And keep in mind that not all direct flights will be available. You may need to book a layover, now that a lot of routes have been cut. 1261