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Starbucks announced Friday that it would be providing its baristas with Black Lives Matter T-shirts."Black Lives Matter. We continue to listen to our partners and communities and their desire to stand for justice together," the coffee chain tweeted Friday. "The Starbucks Black Partner Network co-designed t-shirts with this graphic that will soon be sent to 250,000+ store partners."Starbucks' decision to provide employees with Black Lives Matter shirts comes days after BuzzFeed reported that employees were told they were prohibited from wearing apparel with the slogan at work.According to BuzzFeed, a corporate memo was sent out in response to some managers' inquiries about allowing employees to wear BLM apparel that stated that the movement "could be misunderstood and potentially incite violence."Starbucks reportedly classified Black Lives Matter apparel in the same category as "religious or political personal accessories." However, Starbucks has provided employees with branded LGBTQ-themed shirts for Pride month in the past and encouraged employees to wear them at work.The ban on Black Lives Matter apparel came as Starbucks pushed messages supportive of the movement on social media. 1209

Sixty-five years ago today, a Black woman from Tuskegee, Alabama changed the course of American history.Rosa Parks, then 42, was arrested on a city bus in Montgomery, Alabama on Dec. 1, 1955, when she refused to give up her seat to a white man. Parks had willfully violated the city's segregation laws, and her actions inspired the Montgomery Bus Boycott — a movement that thrust Dr. Martin Luther King, Jr. onto the scene as a civil rights activist.At the time, segregation laws in the Jim Crow south required all Black passengers to sit in a certain section in the back of city buses. The law also required that Black people give up their seats to white people should the buses fill up.According to the History Channel, Parks was sitting in the first row of the Black section of a fully-loaded Montgomery city bus. When a white passenger boarded, he asked that Parks stand up and give him her seat. She refused and was promptly arrested.According to History Channel, Parks' defiance was spontaneous — but she was also aware that local civil rights leaders had been planning to challenge segregation laws on public transportation.Parks was quickly bailed out of jail by local civil rights leaders, and the NAACP and other Black leaders immediately called for a boycott of the city bus system. For 381 days — over a year — Black people in Montgomery chose to walk rather than ride the bus to oppose the city's racist laws.The boycott placed financial pressure on the city and put the push to end segregation in the national spotlight.It wasn't always easy — city leaders and vigilantes retaliated against the Black community in Montgomery — King's home was firebombed, peaceful protesters were arrested and many Black people in the city lost their jobs.But at the same time, the King-led Montgomery Improvement Association filed a lawsuit in the hopes of challenging segregation on public transportation.The following June, a federal court declared that segregation on public transportation was unconstitutional, and the Supreme Court upheld the ruling that December.In addition to marking a win for Civil Rights across the country, the Montgomery Bus Boycott launched King onto the national scene. He would later push for further integration and help install voting rights legislation that helped Black people let their voices be heard.But it was Parks' bravery to stand up against oppression that served as the spark that ignited a bonfire of change. She served as an inspiration for all Americans until her death in 2005 at the age of 92. 2549

Some nonprofits are trying not to lose sight of their mission during these times.Last year, social justice music echoed off the walls of classrooms. It was part of the work done by Motivate and Encourage Music Appreciation (MeMa Music), an arts-integrated social justice education group that aims to empower youth in underserved communities to use their voices to advocate for social justice and change. They help build students’ understanding of how artists have crafted messages of social change that encouraged speaking out.But the founder, Jeanne Warsaw, has run into an artist block this year with the pandemic. Although virtual learning has become more commonplace, it’s not that easy for the arts.“It’s very difficult, especially for the arts non-profit that specifically teaches instruments or sculpture or paintings,” Warsaw said. “It’s hard to transfer to remote learning.”Warsaw says many school districts aren’t hiring groups like theirs because they’re focused on implementing their curriculum. MeMa is not the only non-profit impacted.The Arts Education Partnership is a network of more than 100 organizations dedicated to advancing arts education. It conducted a survey this summer that showed that out of 16 arts education organizations across the country, 25 percent did not yet have a plan to reopen. 1326

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

Some drivers took advantage of roads and highways emptied by the coronavirus pandemic by pushing well past the speed limit, a trend that continues even as states try to get back to normal.The Iowa State Patrol recorded a 101% increase from January through August over the four-year average in tickets for speeds exceeding 100 mph, along with a 75% increase in tickets for speeds of 25 mph or more over the posted speed limit.California Highway Patrol officers issued more than 15,000 tickets from mid-March through Aug. 19 for speeds exceeding 100 mph, more than a 100% increase over the same time period a year ago. That includes a continuing spike from May on.The most likely explanation is drivers taking advantage of more open roads because of the pandemic, said Officer Ian Hoey, a spokesman for the California agency.The patrol planned a heavy presence over the Labor Day weekend, he said.“Let’s just slow down a bit and enjoy the day!” the agency’s Santa Rosa division tweeted June 21, along with a photo of a laser speed device recording a car going 127 mph.In Ohio, state troopers have issued 2,200 tickets since April for driving more than 100 mph, a 61% increase over the same time period a year ago. The highest ticketed speed was 147 mph in the Cincinnati area.While traffic has decreased 15% from February through July, the number of people driving more than 80 mph on Ohio roads jumped by 30%, according to sensor data analyzed by the state Department of Transportation.Columbus resident Karen Poltor experienced the trend firsthand last month when three cars raced past her on state Route 315, an expressway through the city.“They were flying in the left lane and weaving around cars,” said Poltor, who estimated their speed at between 90 and 100 mph. “It was terrifying to watch.”Ohio authorities are especially troubled that speeds not only picked up in the early days of the pandemic when roads were emptier, but they’ve also continued even as the state reopened and roads became more congested.“We’ve seen people continue to go those speeds even though there now is more traffic, which makes it even more dangerous,” said Lt. Craig Cvetan, an Ohio patrol spokesman.July was Ohio’s deadliest traffic month since 2007, with 154 fatalities.A temporary reduction in traffic enforcement in the early days of the pandemic may have contributed to a sense of invulnerability by some drivers. Some Ohio police agencies — though not the patrol — eased up on pulling drivers over for minor traffic violations to avoid spreading the coronavirus.In addition, Ohio troopers were spread thin for several weeks as they were called on to help distribute food and later provide security as protests over police brutality and racism erupted following the death in May of George Floyd in Minneapolis.“When people see less troopers on the roadway or they see less law enforcement out working, there is that tendency for them to start committing traffic violations,” Cvetan said.Vermont law enforcement officials believe an increase in the number of traffic fatalities recorded to date this year could be linked to fewer police on the road because of the pandemic. So far there have been 43 traffic fatality deaths, up from 21 at the same point last year.Utah state police saw a 23% jump in tickets issued for going 20 mph or more over the speed limit from March through August compared with the same time period last year. In Pennsylvania, patrol tickets for drivers exceeding 100 mph climbed in March but then stayed high from June through August, jumping 25% during that three-month period.The government warned drivers to slow down in a mid-July message aimed at pandemic speeding.“Less traffic has coincided with a rise in speeding in some areas of the country, and that’s a problem because speeding increases the risk of crashes, and can increase crash severity as well,” said James Owens, deputy administrator of the National Highway Traffic Safety Administration in a public service announcement.___Contributing to this report were Associated Press writers Ryan Foley in Iowa City; Don Thompson in Sacramento, California; Wilson Ring in Montpelier, Vermont; and Lindsay Whitehurst in Salt Lake City. 4213