聊城去哪看癫痫医院好(山东省癫痫的早期特征) (今日更新中)

RELATED: San Diego State students complain of 'awful conditions,' housing price hikes"Working families ... simply can't afford to live in the city,'' he 155

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

-- New Jersey Sen. Cory Booker, Hawaii Rep. Tulsi Gabbard and former Secretary of Housing and Urban Development Julian Castro -- did not meet the Democratic National Committee's criteria to take part. And California Sen. Kamala Harris earlier this month became the latest major candidate to drop out of the race.At a time of Democratic indecision, the remaining contenders are all facing their own challenges. Biden is clinging to his front-runner status after a series of uneven performances. Sanders has experienced something of a resurgence after having a heart attack earlier this year, but he and Warren are still splitting the far left of their party while trying to demonstrate that they can build a coalition to vanquish Trump in the general election.Biden led the field at 26% in 790

Diane Bailey said a misunderstanding led to her grandson having his lunch taken away in front of his classmates.Jefferson Sharpnack turned 9 years old on Tuesday and said what happened in the lunchroom made it his worst birthday ever.“I got my cheesy breadsticks and put in my number,” Jefferson said, “And when I was going to check out, the lunch lady didn’t say anything, took away my cheesy breadsticks and sauce, put them over there, and took out bread on cheese from the fridge and put it on my tray.”Jefferson came home from school on Friday, Aug. 30 with a note stating he owed for his lunch account.His grandmother said she called the school first thing the following week to straighten things out. She thought her grandson was now in good standing with the school.Jefferson and his two brothers moved to Ohio last month to live with their grandmother. The children are supposed to be enrolled in the free and reduced lunch program.Bailey said she was told by administration there that she could write a check for her grandson’s lunch balance until the free and reduced lunch registration paperwork was processed.However, on Tuesday, Jefferson came home from school and declared it was the worst birthday ever and told his grandmother what happened at lunch.“In my mind, he didn’t owe anything. I owed the money, the parents, the school district,” Bailey said. “And my other question is, if they take the food off of your tray, they have to throw it away. You would take the food off a tray and you can’t reserve it? You’re going to throw it away and not feed the child? That doesn’t make sense to me.”In a written statement from Green Local Schools, they said they are closely examining their policies. 1716

— and he's got the scars to prove it.Kyle Lano says the e-cigarettes he thought were a safer alternative to smoking were instead a more efficient way to die.There are now 9 million vapers in the United States and a measly 450 who have suffered severe lung illness. In the minds of many vapers, the numbers don't warrant the health hysteria now sweeping the nation.Or at least that's what 21-year-old Lano told himself and anyone else who would listen."I would always argue how safe it was until those e-cigarettes took effect on me," he said.One year ago, the self-proclaimed vaping fanatic suffered a collapsed left lung."At this time, I didn't think vaping had anything to do with it," he said. "And I told my family and the doctors that same thing. So, I didn't stop."His vaping habit, what he calls his addiction to the vaporized nicotine, continued unabated following his hospitalization."I liked the clouds and the nicotine," he said. "I was really into it."Then, this summer, his love of vaping collapsed, along with his right lung."My chest just got really tight and I felt a sharp pain come right back up to my chest," Lano said.His choice of whether to quit had been flanked by his addiction."Now I believe it's vaping because it's the only thing I'm doing," Lano said. "There's no other reason why my lungs should've collapsed the way they did."Lano spent six days in the hospital this time. It cost his family thousands. But much worse, he said, it cost him one-third of his right lung and a lifetime of diminished lung capacity."I didn't know how serious it was until I was actually in the hospital and they showed me how small my lung was," he said.A smoker gets plenty of warning before major health effects set in. That includes years of coughing, a loss of taste and smell. They are all precursors to something worse is on the horizon. However, for vapers like Lano, symptoms don't include a heads up — and we could be years from understanding why.Dr. Christian Thurstone is the Director of Behavior Health at Denver Health. He knows why teens and young adults get hooked on vaping. It's the same reason anyone can get hooked on smoking: nicotine. But what he calls the Russian roulette being played by millions with vaping is mind-boggling to him.And, until more is known about what's going into vaping juices, his advice is the same today as it was when vaping hit the U. S. market more than a decade ago."Until we know a lot more information about exactly what ingredient is in the vape juice that's causing these deaths and serious illnesses, the best advice is to stay away from vaping," Thurstone siad.That's terrible news for the vaping industry, which is largely unregulated and now under tremendous scrutiny. Still, 40% of Denver teens have tried vaping, and half of those were still vaping this month.Lano sees the continued popularity of vaping among teens and young adults and pictures an entire generation clouded by false claims and fancy flavors. He fears the real costs of this "untested" habit coming into focus far too late."We have our whole lives ahead of us, and we're going to end up on oxygen in our 20s and 30s," Lano said.Vaping has quickly become one of the most popular addictions for an entire generation.While vaping supporters insist cases of severe lung illnesses and death are only tied to those users who load their vaping devices with black market THC products and tainted juice pods, Thurstone has seen a different science. It's convinced him dangerous oils and heavy metals can show up in just about any vaping pod. Thurstone says that to assume a vape pod doesn't contain dangerous chemicals is little more than a user taking a leap of faith.This story was originally published by David Klugh on 3751

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