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Sen. Tammy Duckworth, who just gave birth to her second child, is attempting the rare move of changing longstanding Senate rules in order to accommodate senators with newborns.The Illinois Democrat has submitted a resolution this week that would allow senators to bring a child under one year old to the Senate floor during votes, which they currently cannot do."After many positive, constructive conversations with her colleagues on both sides of the aisle, Sen. Duckworth is glad to be able to offer this legislation to ensure no senator with an infant is prevented from performing their constitutional responsibilities -- and send a message that working parents everywhere deserve family-friendly workplace policies," said Kaitlin Fahey, Duckworth's chief of staff, in a statement provided to CNN on Monday. "She is optimistic that this will be resolved quickly."Duckworth gave birth to a baby girl on April 9 becoming the first US senator to do so while in office. The senator decided to take her maternity leave in Washington rather than in Illinois so as to be on hand and available to cast her vote, if needed.Leading up to giving birth, the senator openly expressed concerns how the Senate rules might impact her ability to do so while caring for her newborn."If I have to vote, and I'm breastfeeding my child, especially during my maternity leave period, what do I do? Leave her sitting outside?" Duckworth brought up in February during a Politico "Women Rule" podcast.There are a whole host of Senate rules that would make voting difficult for a senator while caring for her baby -- being unable to hand the baby off to a staffer, being unable to bring a child onto the floor and being unable to vote via proxy.Duckworth's resolution must first pass the Senate Rules Committee and then approved on the Senate floor to take effect. Rules Committee Chairman Roy Blunt, R-Missouri, and the panel's top Democrat, Amy Klobuchar of Minnesota, have both been receptive to the rules change.Blunt and Klobuchar released a joint statement Tuesday."As leaders of the Senate Rules Committee, we support Senator Duckworth's resolution and intend to move it swiftly through our committee," they stated.The committee might take up the rule change as early as this week, according to a congressional aide.Quick passage could allow Duckworth to be able to vote with her newborn on the floor as early as next week. A Duckworth aide to says they are cautiously optimistic that the Senate will move quickly.This story has been updated.The-CNN-Wire 2545

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

Some San Diego voters are making a surprising - and alarming - discovery in their mailboxes.They are receiving duplicate mail-in ballots for the November midterm. "Obviously with such a contested election and everything in the news right now, was this actually something bigger?" said April Segal, a Hillcrest resident who received two ballots.Nearly 70 percent of voters in the county say they will vote via the postal service this November. People from Hillcrest to Tierrasanta to Escondido have reported receiving the extra ballots. San Diego Registrar of Voters Michael Vu said there are protections in place to make sure everyone gets one only one vote. He said duplicates are not uncommon and this year is a bit worse than others because of issues with the new voter registration system at the DMV. "Our office and the statewide system runs duplicate checks to determine matches or potential matches," Vu said. "When a duplicate record is identified, the record is merged, with the most recent registration becoming the official record."Vu said no matter which ballot a person submits, it will ultimately be counted. He said anyone who knowingly submits two ballots would be referred to the district attorney for an investigation of voter fraud. Segal said she recently got married, changed her name and registered to vote. A few months later, when applying for a Real-ID at the DMV, she checked the 'yes' box when it asked if she would like to register to vote. That likely led to the duplicate ballot. "I knew I already was registered, but I thought I should just err on yes so that nothing got messed up by saying no," she said. Segal said she would continue to vote by mail, despite the mix-up.  1758

SPRING VALLEY, Calif. (KGTV) — Even though the tables and chairs are empty, the pit-masters at Cali Comfort BBQ are keeping busy.The kitchen and bar are filling takeout and delivery orders, thanks to increased online and phone sales."As restaurant owners, we can't discriminate how people eat our barbecue," says Owner Shawn Walchef. "If they want to order barbecue delivered to their office or the little league field, then they should be able to get that. They shouldn't have to come and wait in line."It's a new strategy Walchef is using during the pandemic, thanks to his partnership with Restaurant Solutions, a consulting firm that helps small restaurants analyze their financial prospects."What we've been doing is really focusing on doing break-even analysis with our clients," says Sydney Lynn, the Director of Planning Advisory Services with the company.She says restaurants need to focus on people's digital experience now more than ever, so restaurants can be profitable during and after the Pandemic."Restaurant entrepreneurs and owners are the most creative and innovative folks you'll know. So if anyone can pivot, it will be them," says Lynn.Restaurant Solutions has four strategies they say can help the restaurants turn a profit every day during the pandemic:1. Find your break-even point by learning how much money you can expect per customer.2. Analyze your budget and look for ways to cut. This could include layoffs.3. Adjust your menu to see if you need to increase prices or cut items to streamline the kitchen.4. Bring your brand into the digital space, emphasizing the customer experience on the website, app, and social media.Walchef says that means treating every customer online with the same hospitality you would if they came into the restaurant."It can't be a transaction. It has to be something where there's a heart," he says. "If there's nobody there, and your digital experience is just a fake facade, (a customer) might order a burger one time from a virtual restaurant. But if you don't know that there's an actual owner, that there are actual people there making this food, it's going to be very unlikely that you order from them again."Lynn says it's a challenge, but restaurant owners have faced other challenges in the past."If they go back and remember how they were able to make it through that first year of opening, they're going to be able to make it through this as well." 2428

SPRING VALLEY, Calif. (KGTV) -- A man was shot and killed in a Spring Valley parking lot late Sunday.San Diego County sheriff's deputies were called just before 8:30 p.m. after shots were fired in a parking lot at 8667 Jamacha Rd., a shopping center just off state Route 125.Responding deputies arrived to find an adult male had been shot. The unidentified victim died at the scene.It's not clear what led up to the shooting. Sheriff's homicide investigators were called to the scene to investigate.The Sheriff's Department did not say whether there were any suspects immediately after the shooting. 607