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 Retirement savings are typically protected in bankruptcy, but money already withdrawn cannot be recovered.Co-signing a loan: Aaron Smith, a financial planner in Glen Allen, Virginia, says co-signing so a friend or relative can get credit is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

ST. LOUIS, Mo. – A critical care physician in St. Louis simulated what it’s like to be a coronavirus patient in his ICU in attempt to urge people to wear face coverings.Dr. Kenneth Remy tweeted a video of the simulation last Saturday and it has since gone viral. It has garnered over 2,000 retweets as of Friday and been picked up by major news outlets.“I hope that the last moments of your life don't look like this,” Remy said in his video. “Because this is what you'll see at the end of your life, if we don't start wearing masks when we're out in public, when we don't practice social distancing.”Please listen as this is dire. I don’t want to be the last person that looks in your frightened eyes. #MaskUp ?@DrKenRemy1? ?@WUSTLmed? pic.twitter.com/qwb4eERlfE— Kenneth E. Remy, MD, MHSc, FCCM (@DrKenRemy1) November 21, 2020 In the clip, Remy told KSDK that he was simulating what it would be like for a patient’s oxygen levels to drop dangerously low and have a breathing tube be put in.“I beg you, please practice the precautions to reduce transmission of COVID disease, so that we can effectively prevent disease for you and your loved ones,” Remy continued in his video.In an interview with CNN, Remy said he hopes the nation can get to a place where everyone realizes that it’s more comfortable to wear a piece of cloth on your face than it is to be intubated in the hospital.“I don't want that, I don't want to see that anymore and have to make those phone calls to the frequency that we're currently doing," he told CNN.Along with being a doctor, Remy is also a city councilman in Wildwood, Missouri, so he’s familiar with how wearing a mask has been politicized. He told KSDK that while he understands the importance of personal liberties, he’s tired of patients becoming infected because people refuse to wear face coverings.Click here for CDC guidelines on how to protect yourself and others from COVID-19. 1928

Several Hilltown, Pennsylvania, police officers helped save a distressed horse from a burning barn last week, which was captured by an officer’s body-worn camera.Officer Matthew Reiss told KYW-TV that he did not have much time to get Phoebe the horse out of the barn."Quickly improvise, and come up with a solution to get that animal out,” Reiss said.Other horses were in the barn at the time of the fire and were rescued by friends and family, but Phoebe was reportedly too spooked to follow.That’s when the officers and horse trainer Lena Obernesser teamed to get Phoebe out. Obernesser used a shirt to cover her eyes and push the horse to safety as Reiss used a rope to pull Phoebe to safety. Phoebe then ran to safety."She was definitely terrified, the cops were fantastic though, they jumped right in,” Obernesser told KYW. “I saw the footage and I was just in awe. Like oh my God, thank God they were here."Obernesser credited the officers for rescuing Phoebe.“They really stepped up, we had so many people reaching out,” she said. “it was, I was so proud to be a part of this community."After a week, Phoebe is reportedly in good health. The condition of the barn is still being calculated, but members of the community have started a fundraiser to help the Red Wing Farm care for their horses. 1309

Spring Valley, Calif. (KGTV) - The new Homeless Assistance Resource Team is expanding to battle the growing homeless population, according to the San Diego County Sheriff's Department. The program started in June. Their goal is to connect homeless people with services, like getting a driver's license, food stamps, or healthcare."It's not new to the sheriff's department, but having three full time deputies assigned to the mission is new." Deputy Matthew Faddis said they accompany the myriad of service agencies on their mission into obscure parts of town known to house homeless people.Faddis said it was to ensure the social workers, nurses and other workers' safety, and make them feel comfortable to do their job.Deputy Faddis said the department is working to help more people, "starting out doing this about once a week, we hope to expand that and eventually get the full time team doing this every single day."In Spring Valley, 10News walked with the team down into a concrete canal covered in graffiti. The couple they spoke with was given Hep A shots, hand sanitizer, water, and set up with a ride to get to an office where they can get set up for services tomorrow."If you don't have skills to communicate, if you don't have skills to be there on time, you get a stigma of, 'oh people don't care, there just going through my file anyway,' it doesn't matter." Kristin Kerrick said that's part of the reason why homeless people don't want to talk with the team. She said they are also scared.She's lived out of her car for the past year working to regain stability."There's a place in La Mesa that accepts Section 8 and I qualify, so it's really exciting, it's been so long, it's been a really long time so I'm really thankful," Kerrick said smiling ear to ear.Once under a roof for six months, she said she can try to get her four kids back, "we can see if they are already adopted out, or if they can break through the adoption, and go get the kids back, because I'm able to provide for them now and I'm under a program and she'll talk to me about that so not yet."Stories like hers, fueling the HART team forward. 2135

SILVER SPRING, Md. -- For Habibah Jackson, the path to a healthier life may look like a personal journey, with only her dog, Rocky, for company.It’s anything but.“They like to say, ‘Oh, you're a walking group.’ We’re so much more than a walking group,” she said. “We like to say we're a ‘walking movement.’”Jackson helps lead neighborhood walks for GirlTrek, a nonprofit group of nearly 800,000 African American women taking one step at a time, together.The pandemic changed it a bit. So, to unite all of the now-solo walkers across the country, GirlTrek’s Ebony Andrews said the group launched a podcast, called Black History Bootcamp, focusing on African American women’s history.“Our focus is to help save the lives of Black women by inspiring them to take charge of their self-care, to own their joy, to claim what's their best lives,” Andrews said. “And one of the primary ways we do that is through encouraging community and encouraging walking.”It’s a move that can make a difference. According to the CDC, Black women are at high risk for heart disease and stroke and three times more likely than white women to die in childbirth. Some studies have linked those health effects for African American women to chronic stress, due to experiencing racism.GirlTrek seeks to counteract that.“Walking helps with stress. Walking is also something that requires limited resources. It's putting one foot in front of the other and getting out the front door,” Andrews said. “We have a saying that we say within our office that, ‘When women walk, things change.’”It’s something Jackson sees, too.“If you look at the social change that's happening now, imagine if you weren't in shape enough to walk - how could you actively protest if you're not physically able to keep a stance?” Jackson said. “People are walking for eight hours. So, GirlTrek also helps you prepare for situations like that.”Now, GirlTrek is setting it sights on a new goal: to get one million African American women walking with purpose.To learn more about GirlTrek, click here. 2051

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