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Your credit score. It's the magic three-digit number that offers you access to a world of opportunity, like renting a fabulous apartment, or snagging a cheaper rate on a home mortgage or a car loan.Yet one in five Millennials have never even checked their credit score, according to new data by LendEDU, an online marketplace for student loan refinancing.But if you're not planning on making any major purchases, do you really need good credit?Most people are familiar with the notion of presenting your credit score when you lease a car or rent an apartment. But everything from your deposit requirements set by utility companies to the premium you pay for your insurance can be affected by your credit score, according to Jeff Richardson, a credit expert at VantageScore."A low credit score can mean the difference of thousands and thousands of dollars," says Richardson.Here are three ways you may be really mismanaging your credit:1. Getting sloppy with contractsYou're nearing the end of a car or apartment lease, and the end is in sight. But forgetting to pay that final utility bill before moving, or defaulting on your apartment lease, can land your credit score in hot water, says John Ulzheimer, a credit expert at The Ulzheimer Group."Not paying final utility bills is a particularly important to be wary of since young people tend to be more nomadic than older people," he says.You can also end up with a lower credit score by running up excessive mileage on a car lease or failing to pay for damage to an automobile or an apartment."These are the terms that are often overlooked by younger credit users and jump up to bite them in the form of a large lump sum required payment," he says.2. Overdoing it with credit card applicationsIt can be tempting to apply for retail credit cards to save some money on your shopping purchases, but failing to space out applications can temporarily damage your credit score, according to Ulzheimer.He notes that young people should be particularly cautious over the holidays, when many retailers urge people to take advantage of big discounts for holiday sales.Every time you apply, the creditor will run a credit check before they approve you for a new card.Not only are the credit checks a temporary drag on your score, but opening new cards can drag down the average age of your credit history, another factor that weighs on your score."[Retail cards] result in several new credit inquiries and new accounts, and both of those can hurt your credit scores," he says.3. Avoiding credit altogetherThese days, it feels increasingly easier to avoid using credit cards. Apple Pay, Paypal, Venmo and prepaid debit cards have vastly changed the way people make financial transactions."Back in the day there were very little options outside of a general use credit card," says Richardson.Today, however, young people can't even access credit cards until they have proof of income, as a result of the Credit Card Act of 2009. That is causing many people to delay building their credit score -- a mistake that may haunt them as they try to make larger purchases later in life, according to Richardson."Unless you're going to write a check to buy a car or house, you're going to need some sort of credit," he says. "Credit avoidance is simply not credit management." 3329
with illegally buying body armor and components for the weapon used in the deadly mass shooting on Aug. 4.Ethan Kollie, 24, of Kettering, admitted buying an upper receiver that was attached to Connor Betts's AR-15 and the 100-round double-drum magazine Betts used to kill nine people in the Dayton entertainment district, according to an affidavit.Kollie and Betts allegedly assembled the AR-15 in Kollie's apartment 10 weeks ago, according to U.S. Attorney Benjamin Glassman. Kollie bought the drum 6-8 weeks ago and that's when Betts then took possession of all three components.Kollie's admitted drug use made it illegal to purchase or possess a firearm or components, and Kollie is being charged for lying on federal firearm forms, according to Glassman.Glassman said there is no evidence that Kollie participated in the planning or shooting with Betts.Kollie, who was arrested Friday, said he and Betts did "hard drugs," marijuana and acid together four or five times a week between 2014 and 2015, according to Glassman. Kollie also told FBI agents he smokes marijuana every day and has done so since he was 14, and that he uses psychedelic mushrooms he grows in his residence, Glassman said.Kollie had a concealed carry permit and owned a micro Draco pistol, a Taurus semi-automatic and a .38 Taurus revolver, Glassman said. Agents interviewing Kollie at his apartment said they smelled marijuana and saw a bong and the Draco pistol in plain sight.When agents returned with a search warrant, they said Kollie was carrying the .38 and what they believed was a small amount of marijuana.When purchasing weapons, Kollie checked the "No" box when asked if he used drugs, Glassman said.Kollie said he kept the gun components and body armor he bought for Betts earlier this year because Betts wanted to hide them from his parents, according to Glassman.Glassman and Todd Wickerham, Special Agent in Charge of the FBI office in Cincinnati, announced the charges at a 2 p.m. news conference in Dayton.Glassman said the FBI investigation is continuing and anyone who assisted Betts or had prior knowledge of the attack would face federal charges.Wickerham said the FBI is still examining the cell phone Betts was carrying at the time of the attack.Kollie faces up to 15 years in prison if convicted, Glassman said. 2314

You first record your connected photos in the Street View app as seen in this example from Government Camp, Oregon. These photos were recently captured by the blog author. 179
even if manufacturers say it’s safe. Sewer system experts aren't convinced "flushable wipes" break down fast enough to prevent problems. In Colorado Springs new technology aims to hold flushers accountable for any problems. "What would you see right here it's a common typical everyday scenario as you can see a lot of baby wipes," said Colorado Springs Utilities Wastewater Operator Chris Fernandez. "Flushable wipes, toys, plastics anything that somebody would throw in a toilet it's going to come here." Fernandez is a wastewater operator at a Colorado Springs facility that treats more than 30 million gallons of wastewater each day. "This is something that needs to be addressed. Over the years it has gotten worse," said Fernandez. He showed KOAA how thousands of pounds of wet wipes are pulled from the sewage drains each week and piled up in rollaway dumpsters. "That's 99% baby wipes or any kind of wipes," said Fernandez. This year alone, crews have had to haul away 100 of these dumpsters full of wipes. "As that non-organic material flows down through our sewer systems that can cause blockages it can hit homes and you can possibly even back up basements," said Fernandez. For years, wastewater companies have tried to educate the public about the problem. Now, new technology is helping to hold those who flush wipes accountable. "You know if there's a stoppage we'll get it investigated and then you know there could be a lot of ramifications for whoever is flushing these wipes down the drain if we can show a tap where it's coming from a business or residence then you know could be a lot of legal right ramifications for them," said Colorado Springs Utilities Operations Supervisor Dave Dunlap. Using robotic cameras, Colorado Springs Utilities crews get a glimpse into the sewer lines, pinpointing who is causing problems for the city's wastewater system. "If you can actually visually see something as opposed to just running a cleaning tool through it and bring it back, I mean you might find something you might not. this actually shows it to you, so I say it's a game-changer for us," said Dunlap. More than 100 miles south in Trinidad, many residents use septic tanks and according to J.J. Rivera, a septic tank pumper, the flushing of wipes is causing problems for them as well. "They go buy a home in the hills because it's peaceful, tranquil. oh, don't worry we'll just keep our habits going. Pretty soon... honey, lines are backed up. Honey, there's stuff in the basement. Oh, I didn't know. So here we go out and find the problem, 90% of it is wipes. They're like, we had no idea," said Rivera who runs Little Stinker Septic Service. Rivera's family has been in the septic service business for decades and says the decision to flush wet wipes has been life changing for some of his customers, costing them tens of thousands of dollars to fix the problems. "What made them listen was they got hit in the pocketbook," said Rivera. "That was money they were planning on vacation, we were going to go do this we are going to buy new car, oh my god it just vanished because we were doing something we were not supposed to but we are accustomed to." While the nationwide debate continues over just how flushable the flushable wipes really are, Rivera hopes someone will develop wipes that can set a new standard helping to limit the damage caused by wipes in the pipes. According to the market research group Euromonitor International, sales of personal wipes reached .2 billion in North America in 2015 and the market continues to grow. The biggest manufacturers of flushable wipes say their products don't pose a risk to sewage systems. Wastewater experts disagree and advise people to play it safe and throw wipes in the trash.This story was originally published by Patrick Nelson at KOAA. 3832
With several games postponed this weekend, MLB will need to reschedule contests at some point to fit in its condensed 60-game schedule. In an effort not to exhaust players from squeezing in makeup games, MLB will allow for seven-inning doubleheaders effective Saturday.The MLB Players’ Association joined the MLB in making Friday’s announcement.“Given the frequency of doubleheaders, the effects of doubleheaders on rosters, and the need to reschedule games due to dynamic circumstances, both the Clubs and the Players have determined that this step promotes player health and safety,” MLB and the MLBPA said in a joint statement.If games as part of a doubleheader are tied after seven innings, MLB’s new extra inning rule of placing a base runner at second base will be in effect.Seven-inning twin bills are common in the minors and other levels of baseball.An onslaught of doubleheaders may be necessary this season given that just one week into the coronavirus-shortened season, both the Marlins and Cardinals have dealt with multiple COVID-19 cases forcing the postponements. The Marlins have not played since last Sunday and are not scheduled to return to play until Tuesday.The outbreak involving the Marlins also forced the Phillies to postpone four of their games this week. A scheduled contest between the Brewers and Cardinals was postponed for tonight. 1371
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