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into Google. Maybe you're one of these students. Maybe that's how you got to this page.An investigation by Scripps station WEWS in Cleveland found dozens of websites offering to do a homework assignment for a fee. But purchasing academic paper online might just might not be worth it.Cyber Cheating A Google search for the term "write my paper for me" pulls up a result for a website called "Unemployed Professors." The site uses cartoons to show students how they can party instead of spending time on their papers. 518

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

Mortgage insurance premiums required: 1.75% upfront and monthly premiums that vary with your loan term, loan amount and down payment, from 0.45% to 1.05% 156

— chief among them is medical apparel like gowns, gloves and especially masks.Yes, more will be manufactured, but in the meantime, average citizens are stepping up to fill the need.“Four days ago I woke up and said we’re going to make masks,” said Victoria Shoulders. She contacted friends and started Operation Come Together in the driveway of her Clarksville home.“You have to come together and get a group of people to provide what they can,” said volunteer Rhett Barnes.More than 200 volunteers have now stepped up with items to meet CDC basic guidelines for emergency masks — cotton fabric and paracord in place of elastic since there’s none of that left.Sewing teams put the masks together. Word has spread and requests are coming in to Shoulders.“Right now 4,600 masks needed from Hendersonville to Paducah, with more requests coming,” said Shoulders.The cloth masks will go to hospitals, nursing homes and any other front line worker who needs one.Shoulders concedes these masks are not as good as the N95 professional facemasks, but they are stop gap.“This is what we can do. We don’t know if they will work 100 percent, but something is better than nothing,” said Shoulders. “We will keep making them until we don’t need to do it anymore.”Shoulders heads up just one of many citizens groups trying to help fill the immediate need for more masks.Vanderbilt Medical Center says while they have an adequate supply of personal protective equipment, they know there's a need worldwide. 1492

YORBA LINDA, Calif. (CNS) - A wind-driven brush fire that broke out on the west end of Corona in Riverside County and quickly spread into Orange County -- threatening homes in Yorba Linda and blackening 15,200 acres -- was 0% contained Tuesday.Initially called the Green Fire and later renamed the Blue Ridge Fire, the blaze was reported at 12:55 p.m. Monday adjacent to the Green River Golf Club, just off of Green River Road and the Riverside (91) Freeway, according to the Corona Fire Department.Ten homes were damaged in the blaze, but the location and extent of damage were not immediately available, according to the Orange County Fire Authority, which added that more than 1,000 firefighters were battling the blaze.Evacuations have been ordered in 5,958 homes in Chino Hills and 2,500 homes in Yorba Linda. In Brea, 276 homes were ordered evacuated, 680 homes voluntarily evacuated and no homes were damaged there, officials said.Unlike most of the day Monday, firefighters on the ground were expected to get help from helicopter water drops on Tuesday as the intense winds have lessened, Orange County Fire Authority Capt. Thanh Nguyen said."It's windy, but not as bad as yesterday," Nguyen said.There have been several water drops from the sky for the Silverado Fire on Tuesday, Nguyen said.Firefighters are not concerned the two blazes will merge, Nguyen said."Unless we had some weird weather pattern I don't see them catching up to each other," Nguyen said.As the San Bernardino County city of Chino Hills moved to get residents out, some complained about difficulties understanding what areas were covered by the evacuation order just before 9 a.m."Post a map of the areas that need to evacuate," TheDudeAbides1998 replied on Twitter to the City's evacuation announcement. "The site is NOT working and this post is not helpful."User Angela Villalpando seemed to be experiencing a similar concern."Please post an updated map of the areas," Villalpando wrote. "You keep telling people to go to the site, but it isn't updated, and it's lagging because everyone is trying to see if they are evacuated."The miscommunication appeared to be due to specific evacuation boundaries not appearing as text along with the interactive map showing the area covered by the order.Brea and Chino Hills officials were handling evacuation orders, Nguyen said."We're trying to organize it so it's one central point of information," Nguyen said.The new evacuations follow ones announced by the OCFA at about 11 p.m. Monday for residents living in thousands of homes in the following areas:-- The Hidden Hills community and Yorba Linda, north of the Riverside (91) Freeway, east of Gypsum Canyon-- All of Carbon Canyon from the county line to Summit Ranch in Chino in San Bernardino County-- Homes on both the west and east sides of Carbon Canyon Road, including Sleepy Hollow, Oak Tree Downs, Pine Valley Estates, Western Hills and Summit Ranch to the west of Chino; Valley Springs, Carriage Hills and Old Carbon Canyon Road to the eastMandatory evacuations were issued just after midnight by Brea city officials for residents in all of Carbon Canyon, east of Brea Hills to the county line, including the Olinda Village and Hollydale neighborhoods, and voluntary evacuations were urged for the Olinda Ranch and Brea Hills areas.At about 2 a.m. Tuesday, an evacuation warning was issued by Los Angeles County officials for an area south of Diamond Bar, bordered by Grand Avenue to the north, Diamond Bar Boulevard to the west, the Los Angeles/Orange county line to the south and the Los Angeles/San Bernardino county line to the east.Mandatory evacuation orders were issued at 4:25 a.m. in Chino Hills for residents south of Soquel Canyon Parkway, including the entire area of Bell Ridge Drive and Golden Terrace Drive on the west to Misty Hill Drive on the east. Also under a mandatory evacuation order are communities north of Soquel Canyon Parkway at Pipeline Avenue, west of Wickman Elementary School, including homes on Winged Foot Way, Pebble Beach Lane, Singing Hills Drive, August Drive and Firestone Lane.Evacuation orders issued Monday night included all Carbon Canyon from the county line, west of Sleepy Hollow to Summit Ranch on both the north and south sides of Carbon Canyon Road and the Village Oaks area, west of Peyton Drive near Bayberry, including Oak Creek Road, Oak Canyon Drive and Oak Crest Drive and the entire Vellano community. The evacuation order includes Sleepy Hollow, Hill of Hope, Hillcrest, Oak Tree Downs, Pine Valley Estates, Western Hills Estates, Valley Springs/Western Hills Oaks, Carriage Hills and Old Carbon Canyon Road to the south.An evacuation warning was issued about 1:25 a.m. for residents in the Butterfield Ranch, west of Butterfield Ranch Road, south of Pine Avenue to Chino Valley (71) Freeway.There were no evacuation orders or warnings for Corona, according to the OCFA.The high winds grounded aircraft used to battle fires for most of the day, but by late Monday afternoon, a DC-10 was up in the air making air drops in Yorba Linda, Fennessy said."But we're also told we can expect (winds) to increase in the early morning hours until they die off sometime tomorrow (Tuesday) afternoon," OCFA Chief Brian Fennessy said.On Monday, multiple engine crews including some from the Riverside County Fire Department encountered flames moving rapidly west up a hillside, powered by 30 mph Santa Ana winds.The head of the fire entered Orange County about 1:20 p.m. Monday, and the flames raced toward Yorba Linda, posing a threat to scores of residences.By Tuesday morning Chino Hills authorities said they were hopeful about the response since winds are predicted to average around 10 miles per hour with gusts of only 20 miles per hour. That means water bombers could be used if conditions don't deteriorate, the spokesperson said.There was no immediate word on the cause of the fire.A grant from the Federal Emergency Management Agency was secured Monday by Gov. Gavin Newsom. The grant will assist local and state agencies responding to the fire to apply for 75% reimbursement of their eligible firefighting costs. 6163