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are difficult to have, especially as a family. How do you get children, young and old, to express how they are feeling?"People's routines have been significantly changed," said Jordan Peterson, a community liaison with 221

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

Wyoming, a state known for cowboys, cattle and its wide-open spaces. But what very few people know is that it's the first state to give women the right to vote.In fact, the state recognized the importance of the female vote back in 1870, 50 years before it was enacted into the U.S. Constitution."We owe this act to men,” says Kim Viner, a docent at the Laramie Plains Museum. “Because obviously men were the only ones who could pass such a law in the territory at the time."According to Viner, the men passed the act to allow women the right to vote and hold office, in hopes it would bring more families to Wyoming and help the territory to become a state."The right decision for all the wrong reasons," Viner says.Wyoming had the first female bailiff, justice of the peace and governor. It also was first state to allow women on a jury. But it was Louisa Ann Swain who changed the course of history."She was just a Quaker woman, 70 years old, when she cast that first vote," Viner says.Swain was simply going into town to get her yeast, when she cast her ballot, making her the first woman in the U.S. to cast a ballot in the general election."She was not the fist-pounding suffragette, saying ‘We need these rights,’ says Mary Mountain, a docent at the museum. “But when the right was afforded, she stepped up."Not only did the suffragette women fight for the rights of women, but they had a few good men backing them."It sounds harsh to say, ‘allowing them,’ but in those days they were,” explains Mountain. “These men were saying, ‘Let’s let women do this."Mountain says women forget their power until they are heard and believes today's political climate resembles so much of what took place nearly 150 years ago."We fall into what is customary,” Mountain says. “Men for our 20th century were guiding the political scene, and we are now saying, ‘Hmm, I don't think that has to continue." 1902

including nurses.Many of them have had to work despite shortages in safety gear, continuing to risk their lives as they battle the virus.Kious Kelly, an assistant nursing manager at Mount Sinai Hospital, died Tuesday night after testing positive for the coronavirus, 269

came a day after Secretary Ben Carson told Congress he is "not currently anticipating" changes to the Equal Access Rule, an Obama-era rule that required shelters provide lodging regardless of gender identity. 210

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