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 Retirement savings are typically protected in bankruptcy, but money already withdrawn cannot be recovered.Co-signing a loan: Aaron Smith, a financial planner in Glen Allen, Virginia, says co-signing so a friend or relative can get credit is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

Starbucks is closing an additional 100 stores in the US within the next year because of shifting consumer habits due to COVID-19.With fewer people working in urban centers, the coffee giant is responding by setting up more stores in the suburbs.There's also less customer traffic during the week now but that is offset by more coffee being sold on weekends.Starbucks has become more focused on drive-thru's and carryout, with fewer customers lingering inside because of social distancing.The store closings are in addition to 400 previously announced for the US, and another 200 for Canada.Still, with Starbucks planning 850 new stores at the same time, there will actually be a net gain of 50 new stores next year.No word has been released on where the new stories will be built and which stores are closing. 817

Shopping this holiday season is going to be very different for many people due to the pandemic. And the types of gifts are changing, too."There is no question that 2020 has been built around this pandemic. In every way our life has changed from how we work, to how we live, to, of course, how we shop. And this year we have seen the rise in COVID-related gifts," said Michael Parrish DuDell, Chief Strategy Officer for CouponFollow. CouponFollow conducted a Black Friday shopping survey and found 39% of surveyed shoppers say they're going to gift a face covering to their loved ones."About 33-34% expect to be giving some type of hand sanitizer. So, this year, the stockings might be full not so much of candy but of these more COVID-related products," said DuDell.CouponFollow also looked at how much money people will be spending this holiday season, and broke it down by generation. Millennials and Generation Z plan to spend more money, while Baby Boomers plan to spend less.The National Retail Federation found that, overall, people plan to spend ,000, which is less than last year. "Most of that decrease, , is coming from people saying, 'No, I'm going to spend on gifts, I'm going to spend on holiday items, but I might hold off on 'treat myself'-type purchases," said Katherine Cullen, Senior Director for Industry and Consumer Insights at the National Retail Federation.Cullen also said slightly more people than last year, about 60%, will be shopping online this holiday season, as well as using features like curbside pickup. But that still leaves a lot of people shopping in person."What we found is that people were willing to take that risk (of shopping in-person) but that 86-89% of folks say they know it's a little bit risky to shop, but 36% overall, that includes all the generations, about 36% say that they in fact are going to show up and a large portion of that is going to be the Baby Boomer generation," said DuDell.The NRF survey also showed a shift in the types of gifts people will be purchasing this year."You know, gifts of experience have been a real trend the last few years, but with everyone at home you can’t do as many of those experiences so we’re seeing a return to kind of buying physical things," said Cullen.Regardless of what you buy or how you buy it, the NRF is encouraging people to shop early this year, as many mail services and the post office could be inundated with online shopping deliveries. 2460

ST. PETERSBURG, Fla. (AP) — A federal appeals court decided Friday to reconsider claims that Florida federal prosecutors violated the rights of Jeffrey Epstein's sex abuse victims by not informing them about a secret plea deal. The 11th U.S. Circuit Court of Appeals, which is based in Atlanta, vacated a previous panel's 2-1 decision rejecting an effort to undo an agreement federal prosecutors made with Epstein more than a decade ago. According to a report from the Miami Herald, it was revealed that former Labor Secretary Alex Acosta, who resigned from his post last July, cut a deal with Epstein that kept him out of prison when he was a federal prosecutor for the Southern District of Florida.Instead of facing federal charges, Epstein was allowed to plead guilty to lesser state crimes and served a short jail sentence. Some victims have long claimed the Miami U.S. attorney's office violated their rights by not informing them of the plea deal.Epstein was found dead in his New York prison cell last August. 1024

Some of the top scientists and doctors in the country are calling on leaders to do something different immediately to improve the state of the COVID-19 pandemic.The American Association of Medical Colleges released a road map to reset the country's approach to the crisis. It includes evidence-based actions to improve outcomes and overall health.Improvements include things the country still hasn't got a grip on, like critical supply and drug shortages, increasing testing, an setting national standards for face coverings.“There is literally no risk to wearing a mask for the average person. You may be uncomfortable, you may be hot, you may break out, but it is nowhere as uncomfortable as it would be for having me or one of my colleagues intubate you and put you on a ventilator for an extended period of time,” said Dr. Atul Grover, Executive Director at the AAMC Research and Action Institute.A recent study by Duke of various face masks found the N95 respirator with no valve is the most effective. But these should be reserved for health care workers.A disposable surgical mask made from a plastic material called polypropylene was the next best option.Third was a mask with two layers of cotton and one layer of synthetic material.Masks made from cotton fabric alone, as well as knit t-shirts, performed about the same.“So, you are also protecting yourself,” said Grover. “In fact, if we can get up to 80, 90% of us wearing masks in a community, you could start to reduce that transmission by 2 or 3% at a pretty steady rate.”The AAMC roadmap to reset also mentions an immediate need for something we haven't seen yet, a vaccine distribution plan.“But somebody needs to sit down and say within those high-risk groups of comorbidities, whether that’s diabetes, obesity, hypertension, heart failure, who should be vaccinated first? Is it by age? Is it by condition? And even among first responders, do I start with police doctors, paramedics?”The Centers for Disease Control and Prevention (CDC) has not released a vaccine distribution plan. It has asked four states and one city to draft plans for how they would distribute and who would get priority. Those plans will be shared with other states. 2215

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