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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 Retirement savings are typically protected in bankruptcy, but money already withdrawn cannot be recovered.Co-signing a loan: Aaron Smith, a financial planner in Glen Allen, Virginia, says co-signing so a friend or relative can get credit is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

Sia may not want you to see her face, but she's apparently not as shy about her other parts.The "Chandelier" singer, who usually performs with a wig obscuring part of her face, on Monday shared an image she said was of her nude."Someone is apparently trying to sell naked photos of me to my fans," Sia wrote in the caption of the photo, which shows a naked woman from the rear. "Save your money, here it is for free. Everyday is Christmas!""Everyday Is Christmas" is also the name of the singer's forthcoming Christmas album. 533

Starbucks bathrooms will be open to anyone who wants to use them, whether they're a paying customer or not, Chairman Howard Schultz said Thursday.Schultz made the announcement following the uproar over the way two black men were treated at a Starbucks in Philadelphia last month.The men asked to use the bathroom, but an employee told them it was only for paying customers. When they then sat in the store without ordering anything, the manager called police, and the men were arrested for trespassing. No charges were filed.Starbucks has since apologized to the men and announced plans for extra racial bias training for its employees."We don't want to become a public bathroom, but we're going to make the right decision 100% of the time and give people the key, because we don't want anyone at Starbucks to feel as if we are not giving access to you to the bathroom because you are less than. We want you to be more than," Schultz said during a talk at the Atlantic Council in Washington.Schultz said the company currently has a "loose" policy of only allowing paying customers to use the bathroom, with the decision ultimately left to the store manager.But he said the policy and the decision by the Philadelphia store manager last month were "absolutely wrong in every way.""It's the company that's responsible," he added.Starbucks didn't immediately respond to a request for further details about the change announced by Schultz.Starbucks has said it will close its 8,000 company-owned stores in the United States on the afternoon of May 29 to educate employees about racial bias.The training for about 175,000 workers "will be the largest kind of training of its kind on perhaps one of the most systemic subjects and issues facing our country," Schultz said.  1779

So shit is BANANAS in Seaside Heights right now—some loser youtubers r staying in the Jersey Shore House and this is the craziest thing I’ve ever seen down here. Luckily it unluckily I have a front row seat at my B and B #wtf pic.twitter.com/Q0A3ontIrH— Tracy Obolsky (@PastryChefTracy) September 15, 2020 313

Senate Majority Leader Mitch McConnell vowed on Tuesday that legislators would not go home for the holidays without an approval of a stimulus bill.“We're not leaving here without a COVID package. It's not gonna happen. We're gonna stay here until we get a COVID package. No matter how long it takes, we’ll be here,” McConnell said.Last week, House Speaker Nancy Pelosi made a similar proclamation.But both sides have been working on economic relief for months, but have failed to come to any sort of compromise. But a major sticking point is on whether companies should be protected from coronavirus-related lawsuits. The White House and McConnell have said companies need this protection in order to stay open amid the pandemic. Pelosi and Democrats are against the proposal, citing concerns that businesses will not follow public health guidelines.“This is protection for our small businesses, so that they're not held liable for COVID incidences through no fault of their own,” White House press secretary Kayleigh McEnany said on Tuesday. ”And (Pelosi is) really playing up to the trial lawyers and opposing liability protection, which should be something that's just mere common sense.”Two weeks ago, a bipartisan group of legislators proposed a 0 billion stimulus plan that would extend funds for additional unemployment benefits for up to 18 weeks per worker. The legislation also would replenish funds for the Paycheck Protection Program, which helped companies affected by the pandemic make payroll.There would also be 0 billion earmarked for state and local governments, which have seen a drop in tax revenue due to the pandemic. There is in additional billion allocated toward the transportation industry, most notably for airlines, which have seen an over 50% reduction in business since March.But the bipartisan group’s newest proposal is to make the funding involving state and local governments a separate bill. It’s unclear, however, if that measure would gain enough support to pass, given McConnell’s and Trump’s past opposition to providing pandemic relief to state and local governments facing cuts amid a drop in tax revenue.Another area of contention is on whether Congress should provide Americans with a second round of stimulus checks. While the bipartisan proposal doesn’t call for checks, members of both parties have suggested that a final proposal should include stimulus checks. 2426

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