济南尿道炎如何医治济南冬瓜汁能治前列腺吗,济南射精不够力怎么办,济南突然不举怎么办,济南前列腺肥大是什么原因引起,济南前列腺稍大怎么回事,济南治疗尿道炎比较好的医院哪家,济南前列腺囊肿症

Police say there is no ongoing threat to safety after four Wisconsin high school students were caught plotting a school shooting on Facebook Messenger.Four juvenile suspects from Eau Claire took part in the group chat, which police say indicated that "a mass shooting would occur at Memorial High School on Monday, March 26." The group chat included photographs of guns and "several specific statements" related to a planned shooting.All four are students at Memorial and have been referred to Eau Claire County Juvenile Intake for making terrorist threats.Eau Claire Police say the threat was originally reported on March 16. Officers and school staff worked quickly to follow-up by interviewing "many students, parents, and faculty members."The four students will not be returning to Memorial High School, police say. 837

Pawn shops offer a way for people to get fast cash for loaned items, or for them to shop for items at a discount.When the pandemic hit, pawn shops were deemed essential and stayed open, but the reasons people came in were different than what was expected.“This is how we test diamonds, it’s a diamond tester” Michael Mack, owner of Max Pawn, said while explaining how pawn shops figure out the worth of a ring. “And then we weigh.”This is part of the process at a pawn shop, customers bring an item in and an employee assesses it. They make an offer based on value. If you say yes, you walk out the door with cash. You either keep the money and the shop eventually puts your stuff up for sale, or you bring the money back and reclaim your items.Like all industries, COVID-19 has caused some change.“Business is difficult,” Mack said. “All of these businesses are not able to do business the way they used to, and pawn shops are no different.”However, pawn shops were deemed essential. “We’re a financial institution. We remained open this entire time,” said Andy Zimmerman, CFO at Gold & Silver Pawn Shop.There to provide loans for people in need of fast cash, sometimes to those who don’t have access to a bank.“Unbanked and underbanked, they typically refer to a consumer that finds your typical bank branch not really meet their needs,” said Jonathan Polter, CEO of the app PawnGuru. The app connects customers with pawn shops, without having to go into a store first.“Traditional banks make money off a variety of transactions and because of the financial situation of the unbanked and underbanked consumer, they’re typically not credit-worthy of many of those other products,” Polter said. This was important during the last recession.“When 2008 hit, pawn shops became more prevalent because banks were giving less money to everyone. Before, pawn shops catered to a lower class middle class,” Mack explained. “We had people come in and get a loan on a Ferrari to pay their private school bill.”That’s what shop owners said they expected when the economy took a hit in March.“The anticipation was that the loan balances or the pawns would increase but, in fact, it’s worked the other way, with the federal stimulus, it seems that a lot of the customers typical of a pawn shop have in essence received a raise,” Zimmerman said. Zimmerman works at the Gold & Silver Pawn Shop in Las Vegas, a popular shop and tourist destination.“The outflow of goods versus the inflow of goods has been a surprise to everyone in the industry,” he said.Pawn shops can’t even keep certain items in stock, such as electronics, guns, and jewelry.“We were just selling through thousands of ounces of silver,” Zimmerman said. “The stimulus really had an impact on people’s behavior.”“Also bicycles, everyone wanted to ride a bicycle, so bikes are gone,” Mack said. This left many shops with low inventory, and lots of cash.“Right now, I don’t know that the industry has ever seen this before,” Polter explained. “Their industry is dried up and at the same time, they haven’t really had the time to replenish it.”“Pawn shops are not built to sit on cash,” Polter said. “They’re built to put cash into consumers pockets and that’s how they make money.”Mack’s shop is working with customers like many pawn shops are, offering curbside pickup or lowering loan interest rates for a while. “The asset is the customer,” he said.But without more loans coming in and a low inventory of items, pawn shop owners said there could be trouble further down the line.“We've been affected and if you drive to any other pawn shops there's nothing in their stores at all. So for that to come back we need a normal economy to really get loans and sell things,” Mack said. 3747

People who care about their credit scores tend to obsess about some things they probably shouldn’t, such as the possibility they might have too much credit.Let’s bust that myth right upfront: The leading credit scoring formulas, FICO and VantageScore, don’t punish people for having too many accounts. And right now, having access to credit could be a lifeline.In June, the median duration of unemployment was nearly 14 weeks, according to the U.S. Bureau of Labor Statistics. “Median” is the halfway point, which means half of the unemployed had been out of work longer. After the Great Recession, the median length of unemployment peaked at 25 weeks.Most households don’t have enough emergency savings to get through extended unemployment. Access to credit ultimately could be what staves off eviction, keeps the lights on and puts food on the table.Obviously, you can have too much credit if it would tempt you to spend recklessly. And the more accounts you have, the easier it might be to forget a payment — which can be devastating to your scores — or fail to detect signs of fraud.But that doesn’t mean you should worry about applying for the credit you need in the misguided notion that having too much credit is bad for your scores.“It’s not about the number of accounts,” says Ethan Dornhelm, FICO’s vice president of scores and predictive analytics. “It’s about how those accounts are handled.”It’s not how many cards, but how you use themBefore the advent of modern credit scores in the 1980s, lenders did worry that people who had access to a lot of credit would suddenly run up big balances, then default, says credit expert John Ulzheimer, who formerly worked for FICO and for Equifax, a credit bureau. But data scientists have since learned otherwise. People who had been responsible with credit in the past tend to continue being responsible.“I’ve got a gajillion credit cards,” Ulzheimer says. “I could charge up every single one of my cards tomorrow, but I’m not going to do that.”Although you can’t have too much credit, you can have too much debt. Having big balances relative to your credit card limits, or a bunch of cards with balances, can definitely hurt your scores, credit scoring experts say.“There’s no right number of credit cards,” says Jeff Richardson, senior vice president marketing and communications at VantageScore Solutions. “But if you have 22 cards and they all have balances, that can add up.”Even small balances and balances you pay in full can be problematic. Credit scoring formulas consider how many of your accounts have balances and how much of your credit limits you’re using, among other factors. The scoring system uses the balances reported by your creditors, which are generally the amounts from your last statement. You could pay those balances off promptly, but they still show up on your credit reports and affect your scores.Credit-building strategiesIf you’re trying to polish your credit, Ulzheimer recommends using one or two credit cards and not charging more than 10% of their limits. That may require making more than one payment each month to keep the balances low or asking issuers for higher credit limits.If you do use more than a couple of cards, paying the balances off before the statement closing date will typically result in a zero balance being reported to the credit bureaus, and that can be good for your scores.Be careful about canceling unused cards, however. Closing credit accounts can hurt your scores, since it reduces your total available credit. If you’re concerned a lender might close an unused card, you can use it occasionally and immediately pay off any charges so you have a zero balance on the statement closing date.If your credit scores are already high, however, Ulzheimer questions how much effort you should invest in making them higher. Once your scores are over 760 on the commonly used 300-850 scale, you’re getting the best rates and terms lenders offer.Another thing people worry about, but probably shouldn’t: inquiries. Applications for credit typically have a minor impact on your scores and any impact fades within a year. But Ulzheimer says people are often convinced otherwise.“It’s crazy how many questions I get about inquiries, and they are so meaningless in the grand scheme of things,” Ulzheimer says. “People love to obsess about little things that don’t really have a whole lot of influence.”This article was written by NerdWallet and was originally published by the Associated Press.More From NerdWalletSmart Money Podcast: How to Travel Safely, and How to Handle Old DebtsTransition From Work-at-Home Novice to ProCan You Really Trust Your Payment App?Liz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. 4764

Outside of the race for president, the 2020 Election was historic.It was the first time that Republican stronghold states voted in favor of marijuana, as both South Dakota and Montana voted to legalize recreational use of the drug.Arizona, a more moderate state, along with progressive New Jersey, also voted to legalize recreational use during the 2020 Election.“Once people legalize it they like it. They like prohibition ending,” said Brendan Johnson, a former U.S. Attorney for the district of South Dakota.In South Dakota, the vote to legalize marijuana on Nov. 3 passed with 54.2 percent approval, while 62 percent voted to re-elect Donald Trump as president; a once-partisan discrepancy that could also be seen in Montana, where 56.9 percent of the electorate voted for Trump and 57.8 voted for legalization.“Part of our state’s libertarian streak, which leads people to believe that the government doesn’t have a role to play in this, and, frankly, prohibition carried the day along with economic costs of building larger and larger prisons across the state,” said Johnson.According to Johnson, 10 percent of South Dakota’s arrests last year were for marijuana possession, oftentimes only a few grams. He says it is a number that is seen in states countrywide and one that has swayed Republicans to vote for a bill that they once may have not.In 1992, only about 25 percent of the party supported legalization nationwide, where today, that number stands at 53 percent, according to the Justice Collaborative Institute.“It became very hard to point towards legalization and say there was anything that was moving the topline numbers,” said Andrew Freedman, a vice president for Forbes-Tate, a bipartisan public advocacy firm.Freedman helped implement Colorado’s marijuana laws when the state became the first to legalize recreational marijuana in 2014. He says it became a case study for others who thought the drug would lead to more arrests, youth use, and crime-- all things that never transpired, according to the Crime and Justice Research Alliance.“There are a lot of Republicans who believe in less government and who think that the war on drugs was a failure and would themselves, be for legalization,” said Freedman. “There were a lot of unanswered questions, and now more and more questions are getting answered so there are fewer and fewer reasons to say no.”In six years, 15 states have voted to legalize recreational pot while 35 have legalized medical use. 2485

PHOENIX, Arizona — Aaron Wallace was sleeping when he was attacked in his bed.The patient at the Arizona State Hospital was stabbed by Reuben Murray, a fellow patient with a murderous past, who was wandering the halls unsupervised in the middle of the night with a sharpened pencil, according to a recent lawsuit filed against the state.The lawsuit raises new questions about safety and security inside Arizona’s only public psychiatric hospital and whether conditions have improved after sweeping changes and promises were made following an extensive KNXV television station three years ago.  The lawsuit also alleges warnings about Murray’s aggressive behavior were ignored in the days before the stabbing.“The place is not better,” said Josh Mozell, an attorney representing Wallace. “Things have not changed. And for our clients, it’s becoming more dangerous.”The director of Arizona’s Department of Health Services, Dr. Cara Christ, did not answer specific questions about the stabbing, citing patient privacy laws.But in a written statement, Christ said the safety and well-being of patients are of “paramount importance.” [Read the full statement at the bottom of the page]Wallace was stabbed on October 3, 2017, and he filed a lawsuit against the state in October this year. The case is being brought by Mozell and fellow attorney Holly Gieszl, who collectively represent many individuals with mental illness.Some of the significant claims from the lawsuit: 1483