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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 Retirement savings are typically protected in bankruptcy, but money already withdrawn cannot be recovered.Co-signing a loan: Aaron Smith, a financial planner in Glen Allen, Virginia, says co-signing so a friend or relative can get credit is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

Since opening our doors in West Bloomfield more than 21 years ago, J. Alexander’s Restaurant has offered the highest quality food and professional service in a safe, respectful and welcoming environment. We have always adhered to a strict non-discrimination policy for all our restaurant staff and guests to ensure the best possible working and dining environment. This includes treating every customer with the same non-discriminatory service. We do not tolerate any diversion from this policy and likewise do not tolerate any inappropriate behavior from either guests or employees.On June 20, our staff and many of our guests experienced an unfortunate incident that disrupted the otherwise pleasant dining environment in our West Bloomfield restaurant. Our staff made every responsible effort to safely diffuse this incident in the face of profanity and acts of misbehavior directed at them. None of our employees used profanity, made racial remarks or threw food but certain guests did. Ironically, two of those guests involved in this incident have falsely accused our staff of racial discrimination.The West Bloomfield police were called in during this incident to assist with the unruly behavior of certain guests. Any guest who threw food or was otherwise disruptive was asked to leave. Working with police, our staff made certain that every guest left the restaurant through the front door of the restaurant. We have turned the security surveillance video over to the West Bloomfield police. We will remain in close contact with the police department as we await a report on their investigation and their determination as to whether any formal charges related to this behavior are warranted.We are grateful to have been a part of West Bloomfield for more than two decades, and we look forward to continuing to serve our guests with a pleasant dining experience. 1878

Special counsel Robert Mueller raised the notion of subpoenaing President Donald Trump in at least one meeting with the President's lawyers, two sources familiar with the matter tell CNN.Mueller floated the possibility of subpoenaing Trump to testify before a grand jury if he refused to sit down for an interview with the special counsel, The Washington Post first reported on Tuesday, citing four people familiar with the encounter.The exchange between special counsel investigators and Trump's lawyers, which took place in early March according to the Post, prompted Trump's then-lawyer John Dowd to respond, "This isn't some game.""You are screwing with the work of the President of the United States," Dowd continued, two people with knowledge of his comments told The Washington Post.One source confirmed to CNN that Dowd retorted sharply to the special counsel's suggestion. Dowd has since left the legal team.Mueller is leading the probe investigating Russian meddling in the 2016 election and any potential connections between Trump campaign associates and the Kremlin. Trump has repeatedly denied any collusion. 1139

So devastated about the loss of some of the finest resorts in Napa. This is the iconic MEADOWOOD pic.twitter.com/UqRR5t5IJQ— Jim Dobson (@TheLuxeWorld) September 29, 2020 178

Six children in Minnesota have been diagnosed with a rare "polio-like" disease since mid-September, state health officials said.Acute flaccid myelitis, known as AFM, affects the body's nervous system -- specifically, the spinal cord -- and can cause paralysis. Unlike polio, there is no vaccine for AFM.Minnesota typically sees less than one case a year, the state Department of Health reported. The disease typically affects children; all the recent cases in Minnesota were in children younger than 10.AFM can develop from a viral infection, although its exact cause is unknown. Symptoms include limb weakness, facial drooping and trouble swallowing or talking. Doctors stress the importance of recognizing the early signs of AFM and seeking care as soon as possible. 776

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