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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

at a Colorado nursing home, but the facility is defending its reputation.Miaya Ramirez only worked for University Heights Rehab & Care a few months but what she saw will stay with her much longer. “Patients being neglected, not getting showers, not getting fed properly, being left in their room, unsanitary conditions, being left in soiled briefs,” Ramirez explained to KMGH. The week after she started working, Ramirez says the Director of Nursing asked her to lie on a state report about being understaffed. “We had holes in the staffing book and the DON (Director of Nursing) asked me to fill in people's names in the staffing book and I told her I didn’t feel comfortable doing that,” she said. Ramirez says she was suspended and ultimately fired for trying to care for patients not being helped by nursing staff. She says the doctor of one patient even called police about the neglect. “When the doctor pulled the bandages off she couldn't believe what she saw; she said the wounds were worse,” Ramirez said. “She asked if the dressings were being changed when they were supposed to, if the resident was getting up out of bed when she was supposed to and I told her 'no,'” Ramirez said. Ultimately, Ramirez was fired for putting a clean bandage on that patient. She shared recordings of her termination. University Heights said she was operating out of the scope of care. “What they told me was I should have left the dirty bandage on her backside,” Ramirez said. Operated by Vivage, University Heights says Ramirez is a disgruntled employee and her claims are unsubstantiated. “We are truly a very compassionate organization with a lot of experience. We are the largest provider of skilled nursing in the state of Colorado,” Daphne Bernstein, Senior Vice President of Business Development, said. But complaints investigated by the 1844

from a western Indiana farmer paints a stark image of the problems Hoosier farmers are facing this spring.One image shared by Katie Staton shows a man standing in the middle of a corn field in Putnam County, Indiana on June 17, 2018, with corn above his head. The other image was taken exactly a year later in the same cornfield and shows the same man with barely any growth around him."These two pictures speak volumes to the crisis American Farmers are facing this spring," Staton wrote on her Facebook page.Farmers across the state have been struggling to plant their crops this spring because of the excessive amount of rain. Many fields still remain unplantable across the state.According to the National Weather Service, Indianapolis has seen higher than average rainfall totals in every month this year except for May, which was slightly below average. The average totals refers to the normal rainfall between 1981-2010.It's not just farmers in Indiana that are concerned about wet conditions. The Chicago Tribune reports that 1036

With over 160 vaccines in development, the race to defeat COVID-19 continues.A California company hopes to deliver its vaccine to your mailbox; one that is pain-free and doesn't require a needle and syringe."One of the things I wanted to do was make vaccines more patient-friendly, so they don't hurt and you're not afraid to take them," said Dr. Dan Henderson, a virologist and the CEO of Verndari, Inc.The biopharmaceutical company is based in Napa, California. Dr. Henderson originally came to the wine country to retire but stepped back into the lab during the Ebola crisis. He says some adults avoid vaccines because of a fear of needles, so Verndari set out to do something different. They created the VaxiPatch, a single-dose vaccination kit that uses a dermal patch with a metal microneedle array to deliver vaccines. Once applied, the person wears the patch like a Band-Aid for five minutes. The vaccine uses the COVID-19 "spike" protein that enables the virus to infect human cells and works to enhance a person's immune person.Unlike traditional vaccines, the patch doesn't need to be refrigerated, which Henderson says would make it easier and cheaper to send to developing countries. The company initially set out to make a flu vaccine but switched gears during the pandemic; they continue to adapt to the world's changing needs. "Now, for the First World, it's a shelter-in-place vaccine," said Henderson.They're working with the FDA to see if it could be mailed to your home. The vaccine would leave a temporary blue mark so the patient could take a photo and send it to their health care provider as proof of vaccination. In collaboration with the UC Davis, they've begun clinical trials in animals. Dr. Henderson says so far the results are promising.Other researchers are also working on getting a patch like this on people's arms.Scientists at the University of Pittsburgh School of Medicine and the University of Pittsburgh Medical Center have created a fingertip-sized skin patch that is also showing promising results in animal testing. Verndari hopes to test its vaccine in humans in the fall, and if all goes well, it could be made available to the public early next year. Dr. Henderson believes they could manufacture about 20 million doses a month. "It would mean a lot because it's important to me to make a contribution and a contribution like that, to me, is priceless." 2408

at Detroit Metropolitan Airport's McNamara Terminal Friday morning.According to an airport spokesperson, the incident happened at 6:30 a.m. local time.The man walked up to a checkpoint at the McNamara Terminal and removed his clothing. He then disconnected a stanchion at the checkpoint and approached a metal detector.The TSA officers didn't allow the man through the detector.Shameka Scott was traveling to Atlanta when she heard commotion and turned to see the naked man running past security.Scott says the man veered around the detector and made it to where TSA agents screen the bags after people walk through the detectors."I’m just shocked he got that far through TSA," she said. "I’m just grateful he did ‘t have a bomb or anything like that. I could have been seriously hurt."The Wayne County Airport Authority's police and fire departments responded to the scene and determined that the man did not pose a threat.Scott said TSA agents attempted to cover him with garbage bags and the man was very nonchalant and compliant.The man was then transported to a local hospital.This story was originally published by 1123

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