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because he didn't have proper representation during the trial. John Myers was convicted in the murder of Jill Behrman, 19, in Morgan County in October, 2006, following a 12-day jury trial. He was sentenced to 65 years in prison. Behrman disappeared in May 2000 after leaving her Bloomington home to go for a bike ride. Her remains were found three years later. 363

it still is.The familiar red envelopes have been arriving in customers' mailboxes since 1998 and helped earn the company a healthy 2 million profit last year.Why are so many people still using this old-school service in the age of streaming? There are a number of reasons.Rural America struggles with broadband accessStreaming Netflix video requires a lot of bandwidth -- so much so that Netflix consumes 15% of all US internet bandwidth, 444

for coronavirus.Folding@Home, a project that uses the collective computing power of thousands of computers around the world to simulate protein dynamics, is attempting to find ways to treat COVID-19.By 204

Your credit card issuer can lower your credit limit at any time, regardless of how well you manage your account. Issuers might cut credit limits to minimize risk in an uncertain economy, as many cardholders have experienced during the COVID-19 pandemic in 2020. Or they may do it when cardholders regularly use what the issuers see as too much or too little of their available credit.Credit card companies determine your credit limit by evaluating several factors, like your credit score, your income, the available credit you already have and how much of that existing credit you’re using. Ultimately, though, they can increase or decrease limits whenever they want.When can a credit card issuer reduce my credit limit?Although credit card issuers can lower your limit at any time, they are most likely to do so when:You use too much of your available credit: When a cardholder regularly maxes out their credit limit or carries high balances, credit card issuers may view it as a sign of financial trouble. As a result, they may cut your credit limit going forward to minimize their own risk. This is especially true if you start paying late or missing payments.When the card is inactive or seldom-used: The company that issued your credit card makes money only if you use the card. (That money comes from transaction fees and, if you carry a balance, interest.) If you rarely use it, the issuer may be inclined to reduce your limit and, effectively, allocate that available credit to someone else who’s more likely to generate income for the issuer. If you let your card sit for too long without using it at all, your issuer might close your credit card entirely, leaving you with a potentially damaged credit score and no card to use.When the economy is uncertain: Credit card issuers have been known to reduce credit limits to minimize their risk when the economy is uncertain. Most issuers cut credit limits during the Great Recession, according to a survey by the Federal Reserve. They also did so in response to the COVID-19 economy.Can credit card companies lower your credit limit without notice?Credit card companies are not required to notify you about lowering a credit limit unless it will lead to an over-the-limit fee, which is unlikely since many issuers no longer assess this fee. In most cases, credit card companies are required to notify you 45 days ahead of time about any changes to your account’s terms and conditions, but this is one exception.Though credit card issuers aren’t obligated to notify you about a credit limit decrease, it’s common for them to do so. If you do receive such a notice, it might include a reason why the issuer trimmed your credit limit. You might even be able to ask to keep your current credit limit, depending on the reason for lowering it.Can I avoid credit limit reduction?You might be able to avoid a credit limit reduction, but it will likely depend on your issuer and your track record on managing your credit. The best attempt at avoiding one is to contact your issuer as soon as you learn that your credit limit is changing. You have nothing to lose by asking the company to consider keeping your prior credit limit.If you’re on the brink of maxing out your credit card or you’re using a lot of your available credit, it may be more difficult to persuade your issuer to leave your credit limit alone. Cardholders whose limits were slashed due to inactivity may have better luck.Act fast to contact your credit card issuer as soon as you get notice, if you get any. If you wait too long, you might have to undergo a credit check to get a credit limit increase, and there’s no certainty that you’ll get bumped back up to your previous amount.Will a decreased credit limit affect my credit score?A lower credit limit can affect your credit score if it materially changes your credit utilization ratio, the percentage of your available credit you’re using. Utilization is a key factor in your credit score. A rule of thumb is to use less than 30% of your available credit.Even if a reduced limit pushes you over that percentage, the effect doesn’t have to be permanent. Stay on track with payments and get your debt down, and your credit can recover.More From NerdWallet6 Credit Card Scams and How to Avoid ThemIs It OK to Never Have a Credit Card?Today’s Definition of Financial Adulthood Is More Flexible Than EverMelissa Lambarena is a writer at NerdWallet. Email: mlambarena@nerdwallet.com. Twitter: @LissaLambarena. 4485

Women make up roughly 10 percent of our nation’s veterans and face different challenges when reintegrating back into society after serving.“We’ve done a better job, I think, with men. Because we often associate military service with men. When we think about trauma and PTSD, and even combat, we think about men," says Akilah Templeton, president and CEO of Veterans Village of San Diego.The nonprofit serves thousands of veterans.“We get out into the real world and it’s a culture shock," said Erin Smalley, who joined the Navy when she was 24.Smalley says military life became more complicated when she had a baby as a single mom."It was definitely a challenge, being away from her, having to figure out who would watch her. Having strangers, chief’s wives watch her, that I didn’t know but a couple of weeks," said Smalley.Stationed with only three other women, Smalley felt alone as she navigated work and motherhood.“Having nobody to talk to, having nobody to confide in, nobody to feel what I felt, was definitely a challenge," she recalled. And while Smalley joined the Navy 20 years ago, it’s only been three months since she started working through the trauma that ultimately ended her military career."I had some sexual trauma in the military. I was raped in the military. After that, I had a substance abuse problem and failed a urine analysis and was discharged," she recounted.Smalley tried burying the trauma while serving and for many years after.“The only way I knew how to cope was to numb myself, and that’s where the substance abuse came in, just you know, it was completely numbing to me. It was easy not to think about it, not worry about it. But it cost me a lot," said Smalley.“We have to do a better job at offering services to women veterans in spaces where they feel comfortable and in spaces where they feel safe," stressed Templeton.When Smalley left the Navy, she didn’t know there were resources available. “Depression, mental health issues, but then you add to that the stressors that come with being a mom," said Templeton. "You're building a young person's self-esteem and trying to maintain your own. That's rough."The VA says female veterans are twice as likely to experience homelessness than civilian women. And 1 in 3 female veterans reports experiencing military sexual trauma.“I didn’t want to tell anyone. I was ashamed. I felt like I was not only letting myself down but letting the country down, by being discharged the way I was," said Smalley.After years of substance abuse, Smalley went to federal prison for attempting to smuggle people into the country.Then, she found Veterans Village, where she's now getting counseling and help for addiction. “I’m 58 days clean, sober. I’m on track to getting my daughter back. She’s living with my mom," said Smalley.After 20 years, Smalley is no longer facing her trauma alone, rebuilding her life one day at a time. 2910

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