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Someone is making death threats against a 10-year-old girl at her school in Framingham, Mass.The girl is a fifth grader at Hemenway Elementary and the two notes directed at her have now drawn the attention of Framingham Police.It was Friday morning when the Muslim youngster went to her classroom cubby and found a note calling her a “terrorist.”“She was visibly upset, she was crying,” her uncle Jamaal Siddiqui said. “That’s not what Islam teaches, and that’s not what Muslims are.”Her uncle says the principal visited each classroom urging the culprit to come forward with an apology and sent an email to parents condemning the incident.“Hate is not brought from birth, it is embedded into a human being either by parents or their surroundings,” Siddiqui said.On Tuesday morning, there was a second note, this time saying “I will kill you.”“Just the thought of that makes me feel sick to my stomach,” Siddiqui said.The principal quickly brought the superintendent and police onboard, but despite their safety concerns, the little girl’s family has not pulled her out of class.“If we take her out of school it’s just going to show that we can’t stand up to the situation,” Siddiqui said.The principal says many classmates have rallied around the student and some disgusted parents did the same.“It’s absolutely devastating and I don’t want this to happen in my child’s school at all,” one parent said.“It’s nuts basically,” another parent said. “Hard to believe this thing could happen.”So far, school officials and police have not been able to ID the handwriting or trace the notebook paper.Her family has urged the young victim to smile through it and not become bitter, but know that’s a tall order for a 10-year-old.“It’s sad, it’s sad that kids at such a young age have to deal with this,” Siddiqui said.The girl’s parents will meet with school officials and police Wednesday to discuss a safety plan going forward.The FBI announced Tuesday that hate crimes in this country are up 17 percent this year. 2017

ST. PETERSBURG, Florida — Back in 2016, a dog owner received a note saying, "Shut your dog up or we will."Days later, Annabelle, a three-year-old brindle pitbull terrier mix, nearly died from kidney failure.The owner says the kidney failure was caused by wet dog food laced with Acetaminophen, known best as Tylenol, which is extremely toxic to dogs. Rob McCahan says he believes the contaminated food was tossed into his yard from the alley behind his home on 44th Avenue North in St. Pete.The dog found and ate the contaminated food before the owner realized there was a bag there at all.It happened again in March 2018, and this time, Annabelle died."She was the most lovable dog in the world," says McCahan, whose cell phone is filled with photos of his beloved dog, who he rescued from a local shelter.She died after several days in the animal hospital."These people are sick. I'm just kind of confused right now. Trying to figure out who did it," adds McCahan.The second poisoning coincided with a second note left on his door that read in part: "Shut him up. Your neighbors are tired of it."McCahan says Annabelle didn't bark too much and certainly didn't bark any more than his neighbors' dogs.Just a few houses down from McCahan's, on the 700 block of 44th Avenue NE in the North East Park community of St. Pete, another dog apparently died in the exact same manner.A brown bag with poisoned food was thrown into another yard, killing an otherwise perfectly-healthy 8-year-old golden retriever, according to the pet's owner.This pet owner shared her devastating experience on social media online with her neighbors, saying their dog died this past Monday, and wanted to warn others that someone was doing this."I'm afraid for animals," she writes, adding, "My family was devastated and are still recovering. Please be aware. We're upgrading security."St. Pete Police were out in the neighborhood again Friday trying to confirm this second report of a dog's death, but have not yet been able to.Another neighbor on the same 700 block of 44th Avenue NE tells ABC Action News that his cat was found hanged about 8 months ago.  A woman who lives on nearby 43rd Avenue NE tells St. Pete Police that she has received similarly-threatening letters recently, but her pets are doing okay. A police officer who has reviewed all the letters says it's in the same handwriting.Several residents declined to speak to ABC Action News on camera out of fear that their pets would be targeted as well if they were seen speaking about their concerns.The FBI says on their website that violence against animals is a major indicator of future violence against other animals, and future violence against people, including kids.Note: We are not publishing the name of the second dog owner because we have not been able to get in touch with them yet. 2868

Some credit mistakes are a lot worse than others. Little ones, like paying a credit card bill a day late, may cost you a penalty fee, but that’s a relatively minor irritation — it’s not going to stand between you and a mortgage. Other seemingly small slip-ups can lead to full-fledged disasters.What makes a credit mistake haunt you?Some things can be reversed quickly. Running up credit card bills can tank your credit score, for instance, because the portion of your credit limits you’re usingis weighed heavily in credit scoring. But when you pay down the debt, the damage disappears as lower balances get reported to the three major credit bureaus, Equifax, Experian and TransUnion.Mistakes that have long-running ripple effects hurt the most, says credit expert John Ulzheimer. A late payment, for example, can get sent to a collection agency, then perhaps grow into a repossession or bankruptcy. Those batter your credit and stay on your credit record for years. Likewise, co-signing a loan for someone who is later unable to pay can hamstring your finances for a long time.Common mistakes that can hurt your financesMissing a payment: A payment that’s a little late might cost you a penalty fee, but your credit score won’t suffer because creditors can’t report your account as delinquent until it’s 30 days past due. If you have a high score, going 30 days late can knock as much as 100 points off your score — and it stays on your credit report for seven years. The damage gets worse if you let the account slide to 60 days past due, 90 days past due or more. Your score can recover, but it will take time. Catching up on that account, and keeping all other payments up to date and balances low, can help.Raiding retirement funds to pay debt: Most people don’t want to file for bankruptcy. Almost half of Americans say they would not file no matter how much credit card debt they had, according to a recent study commissioned by NerdWallet. Bankruptcy attorney Roderick H. Martin of Marietta, Georgia, says some of his clients have tapped — or even emptied — retirement savings in a desperate attempt to stay afloat. That often just delays the inevitable — “then they turn around and file for bankruptcy,” he says. Retirement savings are typically protected in bankruptcy, but money already withdrawn cannot be recovered.Co-signing a loan: Aaron Smith, a financial planner in Glen Allen, Virginia, says co-signing so a friend or relative can get credit is often a mistake. “My personal and professional opinion is if they can’t get it on their own, there must be a problem,” he says. If the primary borrower doesn’t pay as agreed, it can leave both your relationship and your credit in tatters. Even if the borrower repays as agreed, remaining on the loan can limit your borrowing capacity. Before you co-sign, ask if you can be taken off the loan at some point.Sometimes doing nothing is the mistakeWe may think we’re too busy to trouble ourselves with fine print or financial chores. Either can come back to bite us.Not checking your credit: “I think checking your credit is like going to your dentist for a cleaning,” says Elaine King, a certified financial planner and founder of the Family and Money Matters Institute. “You need to make a habit of doing it. If you wait too long, there can be some rotten stuff there.”A credit report isn’t exciting reading; it’s a summary of your past handling of credit. But “boring” is what you want — anything you didn’t expect to see is worth investigating in case it’s an error or a sign of fraud. Through April 2021, you can get a free credit report weekly from the three major credit bureaus by using AnnualCreditReport.com. Plan to check at least annually, and more often is better.Ignoring the details: Not knowing your credit cards’ interest rates or when a 0% interest rate ends can cost you.Knowing interest rates can tell you which card to use when you’re paying for a new transmission and need to carry that balance for a while, for instance. Knowing when a teaser rate ends can help you ensure you’ve paid off the balance by then. It’s important to read the fine print. Some cards — primarily store cards — charge deferred interest if there is still a balance at the end of the introductory period. That means the “savings” from the teaser rate are added to your balance, wiping out any benefit.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletSmart Money Podcast: Remote Work Burnout and Saving for CollegeI Refinanced My Mortgage. Here’s What Happened to My Credit ScoreA New Set of Shopping Tips in the PandemicBev O’Shea is a writer at NerdWallet. Email: boshea@nerdwallet.com. Twitter: @BeverlyOShea. 4739

Small businesses employ roughly half of all Americans, but new data is showing many of these businesses are closing permanently.“It’s an excruciatingly hard decision,” said Martha Studstill. “You know small business owners put their heart and soul into their business.”For more than a decade Studstill has owned a small gift shop, Uptown Gifts, in South Carolina.“Until COVID came along we were buzzing,” said Studstill.Originally, in March, the plan for Uptown Gifts was to close temporarily for a few weeks. However, the shop has now been closed for more than three months. She has only been able to list items online, resulting in sales being down by 75%.However, sales aside and more importantly to Studstill, the danger of COVID-19, especially for someone her age, hasn’t subsided.“When we closed on March the 16, I really had no idea we would be where we are at today,” said Studstill.Studstill thought she would be reopening, not only earlier, but to fewer cases of COVID-19.Cases have actually been on the rise in her state. The uptick started most distinctly after reopenings. So, with the financial risk and uncertainty added to Studstill’s health risk of running the shop, she feels closing is her only choice.“I think if I were younger, I would not have made the same decision, but I am where I am at,” she added.Around the country, there is a wave of permanent business closures happening. One report done by Yelp shows more than 143,000 businesses listed on its platform closed between March and June. Now, roughly 35% of those businesses have indicated their closures are permanent. Most of those businesses closing are small businesses.“The numbers that are coming out are really sad,” said Frank Knapp with Small Business for America’s Future.Knapp heads the newly formed organization, pushing for better help for small businesses in Congress’ next stimulus package.“Our proposal for Small Business for America’s Future is that we need to put together grants for the really small businesses to help them get through this recession so that they are healthy on the other side and our economy can get back up and running again,” said Knapp.Saving small businesses could save jobs and be the fastest way to rebound the economy.“Small businesses hire about 50% of all workers in this country,” said Knapp, “We know from the last recession, it was small businesses that got us back on our economic feet again, not big businesses. Small businesses did the hiring right away.”“I think that this could be a defining moment where the general public could see just how important small businesses are to their community,” added Studstill. 2651

SPRINGFIELD, Vt. (AP) — A Vermont woman whose family peacock ran off with a flock of turkeys says she's hopeful to get close enough to catch it with a net.The peacock belonging to Rene and Brian Johnson has been on the run for six weeks.On Wednesday, the Johnsons posted a message on the Vermont Fish and Wildlife Facebook page: "My peacock has run off with the turkeys. Do you have any suggestions on how to catch the little twerp?"Rene Johnson told WCAX-TV she thinks the bird she calls Pea was lonely so it sought turkey companions.Johnson said Friday she got close to Pea on Thanksgiving Day, but couldn't catch it.Johnson says she's worried about the cold, but she recognizes the unusual situation, which she says is "kind of funny, actually." 766

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