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When’s the last time you checked your credit report? A new report by CreditCards.com found nearly half of adults haven’t checked their credit report in the last 6 months.It’s been 6 months since the massive Equifax breach where millions of people’s personal information was leaked. CreditCards.com found out nearly half of us haven’t checked out credit report since then to find out if we were one of the victims. Matt Schulz with CreditCards.com says, "Frankly that’s disturbing."Schulz says, “This was an enormous deal. Key personal information like social security numbers were compromised for nearly 150 million people.”Once your personal information is compromised, it’s out there for good. 74% of you said that having your personal data stolen would be worse than having your cell phone stolen.Schulz recommends you check your credit report once a month. “We don’t think about checking Instagram or Facebook 10x a day but, it seems way too much to ask to go to your bank website or check your credit report on a regular basis.”Now more than ever it’s easy to check your credit report.Schulz says, “A credit report will show you if somebody in particular has opened an account under your name without you knowing about it. And that is potentially one of the most damaging things someone can do.”You can get your vantage score, credit score and free Transunion credit report at places like CreditCards.com"Remember, the last thing you want is for your credit score to be dinged by mistakes that aren’t your own.” 1529

When’s the last time you checked your credit report? A new report by CreditCards.com found nearly half of adults haven’t checked their credit report in the last 6 months.It’s been 6 months since the massive Equifax breach where millions of people’s personal information was leaked. CreditCards.com found out nearly half of us haven’t checked out credit report since then to find out if we were one of the victims. Matt Schulz with CreditCards.com says, "Frankly that’s disturbing."Schulz says, “This was an enormous deal. Key personal information like social security numbers were compromised for nearly 150 million people.”Once your personal information is compromised, it’s out there for good. 74% of you said that having your personal data stolen would be worse than having your cell phone stolen.Schulz recommends you check your credit report once a month. “We don’t think about checking Instagram or Facebook 10x a day but, it seems way too much to ask to go to your bank website or check your credit report on a regular basis.”Now more than ever it’s easy to check your credit report.Schulz says, “A credit report will show you if somebody in particular has opened an account under your name without you knowing about it. And that is potentially one of the most damaging things someone can do.”You can get your vantage score, credit score and free Transunion credit report at places like CreditCards.com"Remember, the last thing you want is for your credit score to be dinged by mistakes that aren’t your own.” 1529

With immigration restrictions in place and limits on foreign workers, programs like the J-1 visa teacher program have been put on hold. This has impacted both foreign teachers in the US and those who were scheduled to teach here.Melvin Inojosa and Stella Indiongco are both from the Philippines, working in the U.S. as part of the J-1 Visa teacher program. The program gives foreign educators the opportunity to teach in the U.S.“We have teachers in about 15 states right now” James Bell, the chief operating officer at Alliance Abroad, said.Alliance Abroad is one of many cultural exchange organizations connecting foreign teachers to U.S. schools and sponsoring them.“COVID has significantly impacted everything relating to J-1 teachers,” Bell said. “The president's proclamation on immigration essentially suspended J-1 teachers into coming into the country. And I have upwards of 100 that should be here by now.”President Donald Trump announced an extension to a temporary ban on foreign workers back in June. Based on immigration service data, the number of people affected was estimated at 500,000 people. The exact number of teachers impacted is unclear.The restrictions only apply to new workers coming to the U.S. For current workers, it means something else.“My close friend...is supposed to go back home because it's the end of her fifth year,” Indiongco said. “But because of the pandemic and shortage of teachers and freeze hiring, her district actually let her stay and extend another year.”Some teachers with expiring contracts were asked to stay. Indiongco herself had already planned to be in the U.S. for two more years, but her summer plans were impacted.“I wasn't able to see my family at all this year,” she said. The same happened for Inojosa.“My hair is already long because I only get my haircut in the Philippines. Every summer...we go back to the Philippines,” Inojosa said.The purpose of the decades-old cultural exchange program is to introduce American students to other cultures -- something that has also been hindered due to COVID-19.“I use food to share my culture,” Inojosa said. “They said it’s kind of a bad timing to gather and eat together, so right now we are limited to our actions regarding sharing our culture.”“I wasn't able to do any cultural exchange activity at all,” Indiongco said.J-1 teachers are navigating a new challenge. A new way of teaching, away from their home country. Inojosa and Indiongco are both pivoting to online learning.Inojosa’s typically full classroom with projects decorating the walls and shelves, will look a little more empty this year. The future of teaching and the J-1 program remains largely unknown.“The immigration ban will be in play through the end of December,” Bell said. That date could change. Current teachers fear this could make the program less desirable moving forward.“Since all the J-1 visas are not processed at all, they're stuck because they have no work there. They have no work here because they cannot come anyway,” Indiongco said.“Some of my friends waited for a very long time to grab this opportunity to enjoy the J-1 program,” Inojosa said.“J-1 visa is like a bridge to our dreams, coming from a third world country. I hate to say it, but coming from a third world country, everything is kind of slow,” Indiongco said.Even with the changing climate, Indiongco and Inojosa are gearing up to teach their students in whatever form necessary.“If I'm called to do my job, I will definitely do it,” Inojosa said. 3516

When it comes to scaring us, Hollywood sure likes to have fun with spiders. But it's no fun when you have a real fear of them. So it's no surprise when it came time to see one in person, Cassandra Kidd was a bit nervous.  "Oh God I'm scared!" Kidd exclaimed.   She mustered up her strength to hold Rosie the tarantula. And after just a few seconds the fear was gone.  "It felt kind of like a ladybug but more gentle," Kidd says.    Kathleen Lewis peered over the wall as her grandson held Rosie.  "No I'm not as brave as my four-year-old grandson," Lewis says.  Fear kept her from holding the spider herself.  "Too many legs moving," Lewis says.When it comes to overcoming fears like Arachnophobia experts say educating yourself in an environment where you feel safe can make all the difference. The Spider Pavilion at Butterfly Pavilion is an example. Arachnids of all sizes hang out above.  A belief that spiders want to jump down on you is one of many misconceptions Mary Ann Colley, Vice President of Science and Conservation at Butterfly Pavilion, has heard about spiders.  "People are always saying, 'Oh, I am going to eat spiders in my sleep,'" Colley says. "That's not true."Another? The idea they want to bite you."Spiders really don't want to have anything to do with us," Colley says. "They want to do their own thing, they want to hunt for their food, create their webs."  Colley says only a small amount of spiders have a level of toxicity to actually hurt us. Butterfly Pavilion hopes sharing facts can help overcome fear."We want to be respectful of nature around us," Colley says. "So we always suggest to observe so just to take a look you can get close but you don't have to touch."  Seeing spiders in a new light. And facing your fear head on. 1850

West Virginia is a red state, and not just in presidential politics.Just take a look at the "School Closings - At a Glance" map put out by the state Department of Education on its website.The map -- which sports different colors for delayed opens, early dismissals and closings -- is a solid red (for closings) since all 680 public schools in the state's 55 counties are closed because of the ongoing teachers' strike there.West Virginia employs nearly 20,000 classroom teachers in its public schools and has more than 277,000 students enrolled.Teachers hit the picket lines last week, demanding higher wages and better benefits. In 2016, West Virginia ranked 48th in the nation for average teacher salary, according to the National Education Association.Gov. Jim Justice signed legislation Wednesday giving teachers a pay raise, but educators said it wasn't enough and it didn't address other areas of concern like insurance and health care costs, so they went on strike. 990