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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

Worldwide markets plummeted again Thursday, deepening a weeklong rout triggered by growing anxiety that the coronavirus will wreak havoc on the global economy. The sweeping selloff pushed the Dow Jones Industrial Average down nearly 1,200, its biggest one-day drop ever.The benchmark S&P 500 dropped down4.4% Thursday, its worst one-day drop since 2011.The S&P 500 has now plunged 12% from the all-time high it set just a week ago. That puts the index in what market watchers call a "correction," which is decline of at least 10% from a high. The six-day correction is the fastest in history.Stocks are now headed for their worst week since October 2008, during the global financial crisis.The losses extended a slide that has wiped out the solid gains major indexes posted early this year. Investors came into 2020 feeling confident that the Federal Reserve would keep interest rates at low levels and the U.S.-China trade war posed less of a threat to company profits after the two sides reached a preliminary agreement in January. Even in the early days of the outbreak, markets took things in stride.But over the past two weeks, a growing list of major companies issued warnings that profits could suffer as factory shutdowns across China disrupt supply chains and consumers there refrain from shopping. Travel to and from China is severely restricted, and shares of airlines, hotels and cruise operators have been punished in stock markets. As the virus spread beyond China, markets feared the economic issues in China could escalate globally.One sign of that is the big decline in oil prices, which slumped on expectations that demand will tail off sharply."This is a market that's being driven completely by fear," said Elaine Stokes, portfolio manager at Loomis Sayles, with market movements following the classic characteristics of a fear trade: Stocks are down. Commodities are down, and bonds are up.The Dow dropped 1,190.95 points, its largest one-day point drop in history, bringing its loss for the week to 3,225.77 points, or 11.1%. To put that in perspective, the Dow's 508-point loss on Oct. 19, 1987, was equal to 22.6%. Bond prices soared again Thursday as investors fled to safe investments. The yield on the benchmark 10-year Treasury note fell as low as 1.246%, a record low, according to TradeWeb. When yields fall, it's a sign that investors are feeling less confident about the strength of the economy.Stokes said the swoon reminded her of the market's reaction following the Sept. 11, 2001 terrorist attacks."Eventually we're going to get to a place where this fear, it's something that we get used to living with, the same way we got used to living with the threat of living with terrorism," she said. "But right now, people don't know how or when we're going to get there, and what people do in that situation is to retrench."The virus has now infected more than 82,000 people globally and is worrying governments with its rapid spread beyond the epicenter of China.Japan will close schools nationwide to help control the spread of the new virus. Saudi Arabia banned foreign pilgrims from entering the kingdom to visit Islam's holiest sites. Italy has become the center of the outbreak in Europe, with the spread threatening the financial and industrial centers of that nation.At their heart, stock prices rise and fall with the profits that companies make. And Wall Street's expectations for profit growth are sliding away. Apple and Microsoft, two of the world's biggest companies, have already said their sales this quarter will feel the economic effects of the virus.Goldman Sachs on Thursday said earnings for companies in the S&P 500 index might not grow at all this year, after predicting earlier that they would grow 5.5%. Strategist David Kostin also cut his growth forecast for earnings next year.Besides a sharply weaker Chinese economy in the first quarter of this year, he sees lower demand for U.S. exporters, disruptions to supply chains and general uncertainty eating away at earnings growth.Such cuts are even more impactful now because stocks are already trading at high levels relative to their earnings, raising the risk. Before the virus worries exploded, investors had been pushing stocks higher on expectations that strong profit growth was set to resume for companies after declining for most of 2019. The S&P 500 recently traded at its most expensive level, relative to its expected earnings per share, since the dot-com bubble was deflating in 2002, according to FactSet. If profit growth doesn't ramp up this year, that makes a highly priced stock market even more vulnerable.Goldman Sach's Kostin predicted the S&P 500 could fall to 2,900 in the near term, which would be a nearly 7% drop from Wednesday's close, before rebounding to 3,400 by the end of the year.Traders are growing increasingly certain that the Federal Reserve will be forced to cut interest rates to protect the economy, and soon. They are pricing in a 96% probability of a cut at the Fed's next meeting in March. Just a day before, they were calling for only a 33% chance, according to CME Group.The market's sharp drop this week partly reflects increasing fears among many economists that the U.S. and global economies could take a bigger hit from the coronavirus than they previously thought.Earlier assumptions that the impact would largely be contained in China and would temporarily disrupt manufacturing supply chains have been overtaken by concerns that as the virus spreads, more people in numerous countries will stay home, either voluntarily or under quarantine. Vacations could be canceled, restaurant meals skipped, and fewer shopping trips taken. "A global recession is likely if COVID-19 becomes a pandemic, and the odds of that are uncomfortably high and rising with infections surging in Italy and Korea," said Mark Zandi, chief economist at Moody's Analytics. The market rout will also likely weaken Americans' confidence in the economy, analysts say, even among those who don't own shares. Such volatility can worry people about their own companies and job security. In addition, Americans that do own stocks feel less wealthy. Both of those trends can combine to discourage consumer spending and slow growth.MARKET ROUNDUP:The S&P 500 fell 137.63 points, or 4.4%, to 2,978.76. The Dow fell 1,190.95 points, or 4.4%, to 25,766.64. The Nasdaq dropped 414.29 points, or 4.6%, to 8,566.48. The Russell 2000 index of smaller company stocks lost 54.89 points, or 3.5%, to 1,497.87.In commodities trading Thursday, benchmark crude oil fell .64 to settle at .09 a barrel. Brent crude oil, the international standard, dropped .25 to close at .18 a barrel. Wholesale gasoline fell 4 cents to .41 per gallon. Heating oil declined 1 cent to .49 per gallon. Natural gas fell 7 cents to .75 per 1,000 cubic feet.Gold fell 40 cents to ,640.00 per ounce, silver fell 18 cents to .66 per ounce and copper fell 1 cent to .57 per pound.The dollar fell to 109.95 Japanese yen from 110.22 yen on Wednesday. The euro strengthened to .0987 from .0897. 7132

Woody has always been confident about his place in the world and that his priority is taking care of his kid, whether that’s Andy or Bonnie. But when Bonnie adds a reluctant new toy called “Forky” to her room, a road trip adventure alongside old and new friends will show Woody how big the world can be for a toy. Directed by Josh Cooley (“Riley’s First Date?”) and produced by Jonas Rivera (“Inside Out,” “Up”) and Mark Nielsen (associate producer “Inside Out”), Disney?Pixar’s “Toy Story 4” ventures to U.S. theaters June 21, 2019. 541

from the U.S. Department of Agriculture.The USDA's Food Safety and Inspection Service was alerted to the issue after three consumer complaints of foreign material being found in the breaded chicken product. No injuries or illnesses as a result of consuming this product have been reported.The frozen ready-to-eat chicken fritters were produced February 28, 2019, and bear establishment number “P-1325” inside the USDA mark of inspection. The full information of the recalled product is listed below: 32.81-lb. cases containing four 8.2-lb. bags of “FULLY COOKED, WHOLE GRAIN GOLDEN CRISPY CHICKEN CHUNK FRITTERS-CN” and case code 0599NHL02But these aren't chicken products an average consumer will find in their freezer. The chicken fritters were sold to "institutional foodservice locations nationwide and were not packaged for retail sale." But while you might not find them in your freezer, your child may have had them on their lunch tray. According to the USDA, the chicken products were distributed to institutions nationwide, including schools."While the product was distributed to schools, it resulted from a commercial sale and was not part of food provided by the USDA for the National School Lunch Program," the release states.Consumers with questions about the recall can contact Tyson Foods Consumer Relations at 1-888-747-7611. 1344

WOODFORD COUNTY, Ky. (LEX 18) -- Mason and Ethan Gilbert were your typical Woodford County, Kentucky teenage boys."Mason loved to work out. He loved to lift weights. He was a prankster. He always had a smile on his face, " The boys' aunt Erin Hawley said. "Ethan was just a little bit more reserved but just as much fun."But on the inside, unbeknownst to their close-knit family, the brothers were struggling. Each of them ultimately dying by suicide just 23 months apart."What our family has been through is honestly so unbelievably hard to even put into words that I can't," Hawley said.The boys' aunt said through the tragic losses, they have channeled their pain into a foundation called Brothers' Run. Its mission is to spread suicide education in schools and prevent future tragedies.The foundation was formed just two years ago, and even during a pandemic, they raised over ,000 through their virtual 3k to donate to various school programs across the area."Mason and Ethan were just like any other teenage boys, they had lots of friends. They were social, they had lots of fun, but they were struggling, and we didn't know," Hawley said. "And I think for a lot of families. I would just say take the time to talk with your kids. Open the door for them to come to you because if you're going to wait for them to open the door for you ... I don't know if that'll ever happen."Dr. Melinda Moore, associate professor in the Department of Psychology at Eastern Kentucky University said Hawley is right on the money. She said it is important to create that dialogue with kids, especially as we head into the holidays during this unprecedented year."I'm noticing that you know you're not quite yourself, can we talk about it? Can we talk about what's going on? And then also not being scared to ask the question, 'are you having thoughts of suicide?' because we don't know what's going on in their minds unless we ask, " Moore said.She said the same idea goes for managing your child's expectations this Thanksgiving and Christmas on the heels of so many other changes and sacrifices that have had to be made."This is an opportunity for us to remind ourselves and to remind our children what the meaning of this time is, you know, what we have, how we can connect in different ways, virtual ways maybe, and then it's not going to last forever," Moore said.As for Hawley, she said during the holidays it's important for her to make a plan, so if she or her kids find themselves struggling, they have support in place."Thinking about taking a walk or reaching out to someone. Let's do a Zoom call, and just really thinking about what I could do to make myself feel good because I know I'm going to start thinking about what we used to do and those memories of our family," she said. "It's still great to talk about those things, but just kind of knowing that I could reach out to my other family members and I know that they might be feeling the same way."It's advice that could save a world of hurt and maybe even a life.Brothers' Run is planning their third annual 3K Run for Sept. 11, 2021. Click here for more information.If you or someone you know is in crisis, the National Suicide Prevention Lifeline is 1-800-273-8255, or text 741-741.Other resources:The Trevor Project, saving LGBTQ LivesTele-health services via EKUThis article was written by Claire Couch for WLEX. 3389