濮阳东方医院妇科做人流手术费用(濮阳东方妇科医院做人流手术好) (今日更新中)

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 Retirement savings are typically protected in bankruptcy, but money already withdrawn cannot be recovered.Co-signing a loan: Aaron Smith, a financial planner in Glen Allen, Virginia, says co-signing so a friend or relative can get credit is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

Severe weather brought heavy rain, hail and flash flooding to some parts of Maryland.  In Frederick, flood water was so high Tuesday night it covered the tires on cars. Some residents say Market Street was so flooded it looked like a river. Police sent alerts asking residents not to drive on the roads. Emergency crews rescued six people from three vehicles trapped in floodwater.  Click below to see storm pictures from across the state:Businesses in Frederick were also impacted by the storm. The basement of the YMCA on N. Market Street was completely flooded. The first floor had about four to five inches of water. Emergency crews pumped water from inside of the building to help drain it. The YMCA will be closed Wednesday.  So far, no injuries have been reported.   941

Some motorcycles for the Tempe Police Department are now equipped with upright mounts for semi-automatic rifles.Sergeant Ronald Elcock said the department tested the mounts last year and decided to install them on eight of its motorcycles.In a high-risk situation, Elcock says motorcycles can usually get to a scene much quicker than patrol cars.However, until now, motorcycle officers were only armed with handguns.Elcock said that's been a growing problem, because criminals are using more high-powered rifles and weaponry."We don’t want to go into those situations where we aren’t able to keep the public safe,” said Elcock.Even though the AR-15s are highly visible on the back of the motorcycles, Elcock says they are secured with special technology.“There's a locking mechanism that would prevent anyone, except for the operator, to be able to get at the equipment,” said Alcock.Some worry about the militaristic look of the AR-15s mounted on the back of the motorcycles.“There are people that may be scared to see it,” said Elcock. "However when we explain to them the reason why we have it I think it puts them a little bit more at ease." 1153

SOLANA BEACH, Calif. (KGTV) - A concert at the Belly Up Tavern this Saturday will raise money for a program dedicated to kids with special needs.Banding Together will hold their 7th annual fundraiser from 12-4 pm on February 24th. The concert features three local bands, and one special, surprise guest artist.The bands are Dr. Seahorse, the Grinnell Trio and Jungle Poppins.But the real stars will be the kids and young adults from the program, some of whom will perform with the bands on stage."It's thrilling for them," says Banding Together Co-Founder and Director Angela Meier. "They hear that people like the Rolling Stones have performed a show there and now they get to as well!"The program uses music therapy to help people with special needs come out of their shell. Meier says it's inspiring and amazing to see how they progress."I've had students who have difficulty putting sentences together," says Meier. "And using rhythm and music, all of the sudden they're able to sing whole sentences."In addition to individual and small group classes, Banding Together runs 42 "Jam Sessions" throughout the year, where the students and musicians join together to make music."It's not just that it's making them feel good, but it's giving them self-esteem," says Meier. "It gives them social skills and prepares them to go out into the community and give back."The concert is open to the public and will also feature live auctions, silent auctions and other fundraisers. All the money goes to fund scholarships and to pay for the jam sessions. Over the previous six years, this event has helped the group give out 134 scholarships totaling ,000.Tickets are and are available at the door, or here. 1714

ST. PAUL, Minn. (AP) — The Minnesota legislature has passed a package of police accountability measures that includes a ban on neck restraints like the one that was used on George Floyd before his death in Minneapolis.The sweeping package passed early Tuesday after legislators worked through the night on the bill, which was said to be one of the most substantial changes to the state’s criminal justice system in years.Passage of the measures comes after nearly two months of negotiations that followed Floyd’s death May 25.The Black man was restrained face down in the street while handcuffed and with three officers holding him down, including a white officer who had a knee to Floyd’s neck for nearly 8 minutes. 724

来源：资阳报