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Some workers have saved a ton of money during the pandemic thanks to many not having to commute. In fact, it’s reported that the total savings by Americans not having to commute is upwards of billion.On average, workers across the country usually have a work commute of about 50 minutes.“I don’t miss the commute at all,” said Raymond Kelly, who is now working from home. "It was a little drive on both sides and a boat in the middle.”Kelly is an engineer in Washington state, and for eight years, his commute was far longer than the average workers’.Every day, he commuted from Poulsbo, Washington to Muckilteo. First, he drove 30 minutes to park and catch a ferry in Kingston, Washington. After the 30 minutes ferry ride, he got into his second car parked on that side of the Puget Sound and then drove another 30 minutes to finally get to his job. In total, his commute was about three to four hours a day. However, since his company began allowing people to work from home in March, his commute is now just two or three minutes. It’s the walk from his bed to a small office he created in his home.“I think it has been huge. It is almost like getting a piece of life back,” said Kelly.Kelly is saving at least 0 a month not commuting to work, and most Americans are seeing a similar savings. A survey done by a company called Upwork shows the average American has saved about ,000 since March by also not commuting to work.“The total savings since March comes out to billion,” said Adam Ozimek, the chief economist at Upwork.“In the long run, the money you save on this is the money you spend elsewhere,” added Ozimek. "What we know from the survey is it consumers are generally spending more online. They are spending more at grocery stores. They are spending more those way and also are saving more."A new poll by the National Opinion Research Center shows 45 percent of Americans are putting the money saved on commuting into their personal savings, while 26 percent are paying down debt at a faster rate than Americans did pre-pandemic.Long term, as more employers signal remote work as a more permanent way to work, economists believe the money saved commuting will be put towards things like people eating out more and traveling. Both would help struggling sectors of the economy and industries struggling the most right now.As for Kelly, he’s been spending his commute savings on home-improvement projects. 2437

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, Calif. (KGTV) - Deputies were called to an East County school over rumors of a possible school shooting.San Diego Sheriff's deputies responded Thursday just after 2:30 p.m. to Spring Valley Academy after a school employee called over concerns of a shooting rumor. SDSO confirmed deputies were on campus speaking with the employee.SDSO did not say whether the threat was made to Spring Valley Academy or how it was brought to the employee's attention.10News is monitoring this breaking news story.Correction: An earlier version of this story updated to say the threat was a hoax. That is incorrect. Deputies are still investigating. 674

SOLANA BEACH (CNS) - A 77-year-old Solana Beach man diagnosed with dementia was reported missing Monday.Uldarico Baquero was last seen near his home in the 600 block of Nardo Avenue about 9 a.m., according to the San Diego County Sheriff's Department.Baquero is Hispanic, 5 feet, 6 inches tall and weighs 140 pounds. He was last seen wearing a dark green jacket and gray shorts, the department said.Anyone with information on Baquero's whereabouts was asked to call the sheriff's department at 858-565-5200. 515

Special counsel Robert Mueller has indicted 13 Russian nationals and three Russian entities for allegedly meddling in the 2016 presidential election, charging them with conspiracy to defraud the United States, the Department of Justice announced Friday.In addition, three defendants were charged with conspiracy to commit wire fraud and bank fraud, and five defendants with aggravated identity theft."The defendants allegedly conducted what they called information warfare against the United States, with the stated goal of spreading distrust towards the candidates and the political system in general," Deputy Attorney General Rod Rosenstein said.Mueller had convened the grand jury as part of his investigation into Russian interference in the 2016 election as well as any possible connections between Russia and Trump campaign associates.Read the entire indictment in the window below.The sweeping indictment describes in detail an unprecedented campaign by Russia to influence the 2016 presidential election, affirming the longstanding conclusions of the US intelligence community. It is at odds with President Donald Trump's repeated questioning of those conclusions, which has continued throughout his first year in office. CNN reported this week that Trump is still not convinced that Russia meddled in the election.Trump emphasized the lack of allegations of any impact on the presidential election."Russia started their anti-US campaign in 2014, long before I announced that I would run for President," he tweeted. "The results of the election were not impacted. The Trump campaign did nothing wrong - no collusion!" Russia started their anti-US campaign in 2014, long before I announced that I would run for President. The results of the election were not impacted. The Trump campaign did nothing wrong - no collusion!— Donald J. Trump (@realDonaldTrump) February 16, 2018 1895