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Since the beginning of the year, wildfires have burned over 3.2 million acres in California. Since August 15, when California’s fire activity elevated, there have been 25 fatalities and over 4,200 structures destroyed.In August, three of California’s four largest wildfires on record sparked. Currently, the largest, the August Complex fire burning east of Chico, stands at 803,489 acres.“We’re living in a world with greater wildfire risk from one-degree warming. Two degrees of warming will intensify those risks,” said Dr. Noah Diffenbaugh, professor of Earth System Science at Stanford University.Dr. Diffenbaugh says in the last 40 years there has been a tenfold increase in the amount of land burned by wildfires, and that number directly correlates to Earth’s warming from climate change.He says the science is pretty straightforward. As temperature rises fuels dry out more easily, which makes less-prone areas spark plugs for fires. Then add in the changes in humidity, wind speeds, and long-term weather patterns that are all affected by climate change and wildfires become larger, stronger, and more frequent.Seventeen of California’s 20 largest fires in history all started after the year 2000.“Very careful, objective, hypothesis-driven research has shown that about half of that increase in the area burned in the western United States is attributable to the long-term warming,” said Dr. Diffenbaugh.The Center for Climate and Energy Solutions says between 1984 and 2015, the number of large wildfires doubled in the western United States. It also estimates that for every one-degree rise in Earth’s temperature, the average area burned from a wildfire could increase by 600 percent in some places.“We have two of the three largest wildfires in California’s history burning right now so it is a simple fact,” said Dr. Diffenbaugh.The increase in fire activity also increases the strain put on resources.Recently, national fire managers raised the United State’s fire preparedness level to five, which is its highest level, making all fire-trained federal employees available for assignment. 2112

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

SPRING VALLEY (KGTV): People who live in the East County say they're fed up with the growing homeless problem around Spring Valley County Park.They say it's gotten worse over the last few months, and many parents are now afraid to bring their children there."They yell and scream, and they’re fighting each other," says Gustavo Galvez. His son, Gustavo, Jr. goes to the preschool at the park. "It’s concerning to have your kids listen to that kind of stuff."The county admits the problem has gotten worse. In a statement to 10News, they outlined steps the Department of Parks and Recreation and the Health and Human Services is taking to solve it.Those include:- Coordinating outreach events to give the homeless assistance and resources.- Increasing lighting around the park, especially near the restrooms.- Increased cleaning of common areas around the parkThe county also says that the Sheriff's Department has stepped up their patrols in the area. There is a Sheriff's Substation across the street, which helps keep and eye on the park.Some parents, though, say it's not enough."I feel bad. I know they need to be somewhere. But I don't think they should be where children are," says Lisa Brown, who brings a group of kids from her daycare to the park. "It's a playground. Kids go here."Concerned parents plan to bring their complaints to the Spring Valley Planning Group board meeting Wednesday night. It starts at 7 pm at the Otay Water District Headquarters (2554 Sweetwater Springs Blvd, Spring Valley, CA 91978). 1539

Severe storms in the South and Central US claimed four lives Saturday.Three people in Kentucky died in storms that included at least one tornado, and one death was reported in Arkansas.A 79-year-old woman died when she was hit by debris in her southwestern Kentucky home, the Logan County Sheriff's Office said. A tornado that passed through the area was likely EF-2 in strength, the National Weather Service said. That means winds may have gusted up to 110 mph.The county's emergency management office said some structures, including barns and grain bins, were damaged.A man was found dead in Simpson County, Kentucky, after his car became submerged in a creek, CNN affiliate WSMV reported.In Robertson County, on the other side of the border with Tennessee, there were also reports of overturned vehicles, windows blown out, and downed trees.Another unidentified man in Union County, Kentucky, died when his car was submerged in a ditch filled with storm water.In Knobel, Arkansas, Albert Foster, 83, died when his trailer home was blown away by storms passing through, Clay County Sheriff Terry Miller said in a post on the department's official Facebook page.Power outages, downed power poles and flooded roads were reported in the county, the sheriff's office said.Ohio Governor John Kasich issued an emergency declaration for 17 counties - along the Ohio River and in southern Ohio - "due to dangerous conditions resulting from severe storms and heavy rain.""I urge people to stay safe by staying informed, not taking any chances and checking in on your neighbors, especially seniors and families with young kids," Kasich said in a press release.Parts of Kentucky and Tennessee were under a tornado watch until early Sunday morning, according to the National Weather Service. 1809

SHELBYVILLE, Mich. — A sheriff in western Michigan says he doesn't have any regrets about appearing on stage at an anti-coronavirus lockdown rally in May with a man who was charged Thursday in a plot to kidnap Michigan Gov. Gretchen Whitmer.Barry County Sheriff Dar Leaf was a guest speaker at a May rally in Grand Rapids against Whitmer's stay-at-home orders. Standing alongside him at the event was William Null, one of several men charged Thursday for his apparent connection with militia group Wolverine Watchmen and their alleged plot to kidnap Whitmer.Null and his brother Michael were charged with providing support for terroristic acts and felony weapons charges.A neighbor of William Null, speaking under the condition of anonymity, said they witnessed the FBI raid and said they shocked to hear details of the militia group's plot."In this area I had heard that there was a lot of militia people, their right to do so. But to the extent that we just found out last night, totally surprised about that," the neighbor said.The Null brothers had ties to militia groups and were frequently seen at local demonstrations, including in at a rally in Grand Rapids protesting Whitmer's stay-at-home order that took place in May.William Null was spotted on stage standing alongside Leaf, who was a guest speaker at the event.Leaf said that while his agency wasn't involved in the investigation into the Wolverine Watchmen, he was "shocked" to learn of Null's involvement."I haven't read everything up on it, I've got other duties to do. It wasn't our investigation. I was shocked, did not see this coming with those guys, but still, we can't convict them in the media here. They do have a right to a fair trial," Leaf said.Leaf says he did not know of Null's alleged involvement in the kidnapping plot and didn't have any regrets about being on stage with him."It's just a charge, and they say a 'plot to kidnap,' and you've got to remember that. Are they trying to kidnap? Because a lot of people are angry with the governor, and they want her arrested," Leaf said. "So are they trying to arrest, or was it a kidnap attempt? Because you can still — in Michigan, if it's a felony — make a felony arrest.""I think it's MCL 764.4, 764.5 somewhere on there, and it doesn't say if you are an elected office that you're exempt from that arrest. I have to look at it from that angle, and I'm hoping that's more what it is. In fact, these guys are innocent till proven guilty, so I'm not even sure if they had any part of it," Leaf added.Leaf was likely referring to MCL 764.16, which allows private citizens to make an arrest in certain cases. He did not clarify how the statute would apply to an arrest of Whitmer.The sheriff insists the Null brothers were always very nice and respectful."The two gentlemen that I know of from my county — Were they involved in that? I don't know. They're innocent until proven guilty. And we really, really should be careful, trying to try them in the media," Leaf said.Leaf also said he does feel for the governor and that no one should be threatened with violence.Both Null brothers are being held on a 0,000 cash bail and if convicted, could face up to 22 years in prison.This story was originally published by Aaron Parseghian on WXMI in Grand Rapids, Michigan. 3307

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