中山放疗后大便出血(中山看痔疮到什么科) (今日更新中)

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 Retirement savings are typically protected in bankruptcy, but money already withdrawn cannot be recovered.Co-signing a loan: Aaron Smith, a financial planner in Glen Allen, Virginia, says co-signing so a friend or relative can get credit is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

Sparked by new records in California, Florida and Texas, Wednesday marks the most recorded coronavirus cases in a single day in the United States.Data compiled by Johns Hopkins University generally is not updated until the following morning, but official state-by-state data shows at least 37,000 new reported cases on Wednesday. That figure would make for the most cases reported in a single day, according to Johns Hopkins University data.The Atlantic’s COVID Tracking Project confirms a record of more than 38,000 US cases on Wednesday.The three largest US states set new records on Wednesday:California 7,149Florida 5,508Texas 5,489While Arizona did not set a new record on Wednesday, it did see a record for hospitalizations since the start of the pandemic.The reported cases is only a snapshot of the spread in the US, as there is a lag time between the onset of cases and when they’re reported to state departments of health.While President Donald Trump has suggested the rise in cases is due to an increase in testing, that alone does not explain the surge in cases in Florida, Texas and California.“Testing of course means finding cases, that is why we test,” said Dr. Ali Mokdad, Chief Strategy Officer for Population Health at the University of Washington. “But the increase in cases that we report is adjusted for testing and in many places we see a rise of cases due to increased spreading of the virus and not testing. We see a rise in Florida, California, and Texas that are true increases in cases. In other states, like NY, for example, they tested about 60K and now their % positive is coming down.”Tuesday marked the most recorded coronavirus cases in the US in nearly two months as cases dropped off in May amid stay at home orders. But with stay at home orders lifted throughout the US, cases have increased quickly. 1845

So you think ice cream is child's play? The state of New York just gave the OK for companies to produce frozen treats that are strictly for the 21 and over crowd.Monday, Governor Andrew Cuomo signed a bill allowing the manufacture and sale of ice cream and other frozen desserts made with liquor in the state. The new legislation is designed to give dairy farmers, liquor and craft beverage producers cross the state a new market to explore."It might be nice for the adults, if they want to have a little bit of alcohol and kind of indulge while the kids are getting ice cream or candy or playing around in the fun atmosphere," said Adriana King, Assistant Manager of King Condrell's Candy and Ice Cream in Kenmore. 723

Social media platform Facebook has announced it is establishing an independent election research commission "that will solicit research on the effects of social media on elections and democracy."That's according to CEO Mark Zuckerberg, who made the announcement on Facebook today."The goal is both to get the ideas of leading academics on how to address these issues as well as to hold us accountable for making sure we protect the integrity of these elections on Facebook," Zuckerberg said. 504

Some city and state governments across the country have made wearing masks in public mandatory. Now, businesses are finding they also need to develop policies for face coverings."No pun intended but there’s no one size fits all here. Employers need to be looking at the state and local laws to determine whether masks are mandatory. I know that several states have mandatory mask requirements in public spaces, so of course they’ll want to look at those laws to make sure they're complying with them," says Amber Clayton, Knowledge Center Director for the Society for Human Resources Management.Clayton says employers will also need to consider employees who may not be able to wear a mask, whether it be for medical or other reasons."Employers may have to potentially provide a reasonable accommodation in those situations. That might look like allowing the person to work from home, taking leave or modifying their workspaces where they're working within an area that is maybe not as much public facing," says Clayton.For medical reasons, employers could require a doctor's note. Whether it's an employee handbook or company-wide email, employers should have some type of documentation so employees and any customers coming into the office are aware of expectations when it comes to wearing face coverings. Valerie Keels, who heads up her HR department at Gavi in Washington, DC, has developed a mask-wearing policy for her office."The building has imposed those restrictions, as well, in the common areas so when people come into the building they have to wear a mask. When they go into the elevator they have to wear a mask. So it's just consistent with what's going in the building," says Keels.Keels has what they call a "Code Red" which means people can come into the office if they register online. It helps them keep track of the number of people in the office space. Once they get to the office, their temperature is taken and they're given a mask to wear for when it's needed.When you're in an enclosed office space, you can take off your mask. "And even when you're at your own work space because we're also respecting social distancing," says Keels.As for enforcing a mask policy, some businesses could come across people who disagree with a face covering policy."Employers have the responsibility to keep the workplaces safe for their employees and if this is something that's required and the employee refused to wear it, then there needs to be something in place to address that - whether it's sending the employee home or providing leave, or making modifications to the worksite," says Clayton.It's important for employers to work with people and their individual situations before resorting to reprimands. Keeping the lines of communication open so everyone's working environment is safe. 2814

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