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 Retirement savings are typically protected in bankruptcy, but money already withdrawn cannot be recovered.Co-signing a loan: Aaron Smith, a financial planner in Glen Allen, Virginia, says co-signing so a friend or relative can get credit is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

Speaking from a parking lot near his hometown of Scranton, Pennsylvania, Democratic nominee Joe Biden said that he would not make schools require students to get a coronavirus vaccine.The town hall was hosted by CNN drive-in movie style. The former vice president took questions from voters in a state that could be pivotal in this year’s presidential election.During the town hall, Biden repeated that he does not trust President Donald Trump’s handling of the coronavirus. But he said he would take a vaccine approved by the Trump administration — if Dr. Anthony Fauci, the director of the National Institute of Allergy and Infectious Diseases said it was safe."I don't trust the president on vaccines. I trust Dr. [Anthony] Fauci," Biden said. "If Fauci says a vaccine is safe, I would take the vaccine. We should listen to the scientists, not to the president."In particular, Biden was angered over comments made by President Donald Trump to journalist Bob Woodward that became public last week. In the spring, Trump confided to Woodward in March that he did not emphasize the risks of the coronavirus in order not to cause a panic. I still like playing it down because I don't want to create a panic," Trump told Woodward."He knew it and did nothing. It's close to criminal," Biden said on Thursday.Trump and his public health experts have been at odds in recent weeks over the timing of when a vaccine would be both approved and widely distributed. Trump has suggested that a vaccine could be available much sooner than some experts have suggested.Trump said on Wednesday, "We are ready to go immediately as the vaccine is announced. It could be announced in October, it could be announced a little after that."But CDC Director Robert Redfield said it might not be until the middle of 2021 before a vaccine is widely available."I think we're probably looking at third late second quarter, third quarter 2021,” he said.Trump later said that Redfield was “confused” over the timing of a vaccine."I think he made a mistake when he said that,” Trump said. “That's just incorrect information. I called him and he didn't tell me that and I think he got the message maybe confused. maybe it was stated incorrectly.” 2222

ST. PETERSBURG, Fla. (AP) — With the United States grappling with the worst coronavirus outbreak in the world, Florida hit a grim milestone Sunday, shattering the national record for a state’s largest single-day increase in positive coronavirus cases. In Florida, where parts of Walt Disney World reopened Saturday, 15,299 people tested positive, for a total of 269,811 cases, and 45 deaths were recorded, according to state Department of Health statistics reported Sunday.The numbers come at the end of a record-breaking week as Florida reported 514 fatalities — an average of 73 per day. Three weeks ago, the state was averaging 30 deaths per day.The World Health Organization reports that daily global infections hit over 228,000 last week, and the U.S. confirmed over 66,600 new cases on Friday, another record. 823

Since the police killing of George Floyd – and the killing of Breonna Taylor – two cases in a lengthy history of police killing unarmed Black men and women – there have been protests and a movement for reform to policing practices. LEAD and partner JONES are bringing together local leaders, Councilmember Monica Montgomery [sdchamber.org], Joshua Chanin [sdchamber.org], and Jerry Sanders [sdchamber.org]. The discussion will break things down into a deeper understanding of the police reform movement and discuss ways we can be involved.CAN'T SEE THE VIDEO BELOW? CLICK HERE 584

Spectators might have to kiss a decades-old tradition goodbye in Savannah's St. Patrick's Day parade.Women in the crowd are known to dash out into the streets and plant a smooch on uniformed service members marching in the Georgia port city's St. Patrick's Day parade, the second-largest in the United States and third-largest in the world.But military officials and parade organizers are hoping to curb amorous paradegoers this year.The Savannah St. Patrick's Day Parade Committee announced last week it wants the pastime to come to a halt, something it's been attempting for years.The practice predates the 1960s but has gotten out of hand over time, said Brian Counihan, general chairman of city's parade committee.Kevin Larson, spokesman for nearby Fort Stewart, said that the military is just asking people to police themselves. It's not a law or a rule. Larson said that the soldiers marching in the parade are at work. They have to maintain their professionalism because they are representing the Army."At the end of the day, we enjoy taking part in these events," Larson said. "But we do need people to respect our soldiers' space."The bystanders running into the streets can also spark safety and security concerns."You can imagine when you have all these people marching, it causes a disturbance," Counihan said.He said the rush interrupts the movement of floats, causes service members to lose their formation and results in huge delays.The parade committee has tried to stop people from rushing into the streets before. Years ago, it told participants on floats not to throw beads or candy out into the crowd as a way to prevent anyone from getting hurt.The Savannah event started more than 190 years ago. About 280 units, including bands, soldiers and floats, march through the downtown streets of Georgia's oldest city.With this year's parade on Saturday, the committee is expecting more than 500,000 to show up, and all the hotels in the area have sold out, Counihan said.Typically, those watching the parade can just run into the streets and plant one on any passing soldier. Larson said that military officials know the bystanders can't be forced to stop."There are some people who like it and some who don't," he said. "It comes down to personal preference."He said that officials have suggested that soldiers who do not want to be kissed can say no or offer a handshake instead.Still, the parade committee chief insists, "We are not party poopers."This is a large event, and we are just trying to discourage people from interfering with these units," Counihan said. "It's just a little bit dangerous, and we want everybody safe."The-CNN-Wire 2668

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