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 Retirement savings are typically protected in bankruptcy, but money already withdrawn cannot be recovered.Co-signing a loan: Aaron Smith, a financial planner in Glen Allen, Virginia, says co-signing so a friend or relative can get credit is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

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

SOLANA BEACH, Calif. (KGTV) -- The Solana Beach City Council unanimously approved a three-year contract with San Diego Humane Society for animal control services, beginning July 1, 2018. 199

SPRING VALLEY, Calif. (CNS) - Authorities Wednesday announced a ,000 reward for information leading to an arrest in connection with a shooting outside a Spring Valley marijuana dispensary that killed a 59-year-old security guard in early June.Deputies responded around 11:05 p.m. on June 2 to the dispensary at 8721 Troy St., just east of state Route 125, and found Kenneth Love II mortally wounded, sheriff's Lt. Thomas Seiver said.Love, a security guard at the dispensary, was pronounced dead at the scene, Seiver said.RELATED: Security guard shot, killed in front of Spring Valley marijuana dispensarySeveral men were seen fleeing the area after the shooting, but no suspect descriptions have been released.The victim's family is offering a ,000 reward, and San Diego County Crime Stoppers added in ,000, for information that leads to an arrest in the case.Anyone with information on the shooting is asked to call sheriff's Homicide Detective April Gaines at 858-285-6330 or via email at april.gaines@sdsheriff.org.Tipsters may remain anonymous and can also contact Crime Stoppers at 619-531-150 or online at sdcrimestoppers.org. 1146

SPRING VALLEY, Calif. (KGTV) - Seventeen homes in Spring Valley were without water Friday night, after a water main break.The homes were mostly along Rothgard Road, according to officials with the Helix Water District.An 8-inch water main broke near Harmony Lane and Cristobal Drive around 3:30 p.m. Crews turned off the water before 4 p.m. to begin repairs.There was a water truck brought out for families impacted by the water shut off.Crews expect to have repairs completed, and the water turned on again by the Saturday morning. 540