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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

but Abigail Williams, Liberty German and the man who murdered them. February 13, 2017:Abby and Libby were dropped off at the trail near Delphi’s scenic Monon High Bridge, an abandoned railroad bridge over Deer Creek. Hours later, when they failed to meet their ride home at that same location it would kick off a series of events that would forever change the tiny town of Delphi, Indiana. Despite having a video, audio and two sketches from potential witnesses in the area, investigators have yet to find the man responsible for their murders. "(We) thought we were going to get the clues that we needed and be done with this in four or five days," Indiana State Police (ISP) Detective Jerry Holeman told WRTV in 2019. "We realized that this is a totally different type of investigation.”But a killer is still out there. ISP Sgt. Kim Riley says investigators have interviewed over 1,000 people, including possible witnesses, suspects and anyone who may have information about suspicious activity on the day the girls went missing. To this day, he says between six and eight people work on Abby and Libby's case each day throughout the week. But despite all of the evidence released to the public, investigators have always been open about the fact that they are holding some of it close to their vests with the goal of having information that only the killer would know when they finally arrest him. Three years in, here's everything we know about the investigation into the murders of Abby and Libby: 1506

You know spring has sprung when hundreds of people daily turn to Twitter to vent about their itchy eyes, dripping nose and uncontrollable sneezing and coughing.Seasonal allergies, which affect about 36 million Americans, aren't just an annoyance; many doctors agree that there is a real connection between allergies and mood."'Cranky' is really the best word for it," said Katie Ingram, 30, of Alexandria, Virginia, a triathlete who has seasonal allergies. "I take a lot of medication for it, and that makes me sleepy. And I can't do a lot of the things that I like to do outside, so that makes me cranky. ... The wheezing part of it makes me feel tired."In some people, such annoyances are more serious. Research has shown that there is about a 50% increase in the risk for depression in a person suffering allergies, and if you've been seen by an allergist, that about triples the likelihood of having depression, said Dr. Paul Marshall, neuropsychologist at Hennepin County Medical Center in Minneapolis.Those are correlations found in scientific studies, but they don't show that allergies cause clinical depression. In practice, allergy-connected mood changes usually boil down to mild depressive symptoms, like feeling sad, lethargic and fatigued, Marshall said. Some people say they're more likely to cry during the allergy season. Allergies could make symptoms even worse in a person with clinical depression, experts say."It's important for people to understand that experiencing allergies can affect their mood," Marshall said.That's not to say that all people with allergies have depression or that all people with depression have allergies. But experiencing allergic reactions does seem to be a risk factor for developing depression -- not necessarily the emotional side of the condition but more physiological symptoms such as low energy.But is all of this in spite of the use of antihistamines or because of it? And is it the actual allergic reaction that causes these symptoms or just the sleep disturbances and general discomfort?  2060

With strikeouts piling up, scoring plummeting, attendance falling and games often descending into all-or-nothing bores, it's no wonder that some people are calling for radical change to baseball.The sport faced a similar challenge 50 years ago, dogged by a scoring depression and?lagging fan interest. In response, baseball's rules committee lowered the pitcher's mound 5 inches and tightened the strike zone, making it harder for pitchers to dominate the game. That sparked more scoring the next season — and more exciting games for fans.If those fixes could breathe new life into the sport then, there's no reason a similar strategy wouldn't work now.Today, infield shifts — where teams load three players on one side of the infield — are gobbling up hits and forcing hitters to obsess over launch angles to lift balls over the infield and into the seats. So, a good place to start would be requiring two infielders on each side of second base, spreading them out in a traditional defensive alignment.Lowering the pitcher's mound also worked in 1968, and it's worth considering dropping it some more to help reduce the elevation advantage that pitchers have, especially in today's era of often overmatched hitters facing down 100 mph+ pitches. And a pitch clock, requiring pitchers to throw to the batter within 20 seconds, could move things along, squeezing some dead air out of games.This year's playoffs have featured some exciting matchups, but oftentimes teams have suffered through collective slumps that have become endemic in the sport. In the National League, the Colorado Rockies scored a total of two runs in three games as they were swept by the Milwaukee Brewers, while the Atlanta Braves got shut out twice in their four-game series loss to the Los Angeles Dodgers. Over in the American League, the Cleveland Indians managed just six runs in three games in a losing effort to the Houston Astros. And those were among the best-hitting teams in baseball.The 1968 season was known as the "Year of the Pitcher," when pitching was so dominant that Carl Yastrzemski was the only player in the American League with a batting average over .300, the standard for excellence in hitting. Pitcher Bob Gibson led the National League with a 1.12 earned run average (ERA), the best since the Deadball era (an ERA under 3.00 is generally considered very good). Attendance fell for the second straight season and many people wrote off the sport as too boring, especially compared to faster-paced ones. Marshall McLuhan declared, "Baseball is doomed. It is a dying sport."Today, the sport is at a crossroads again, with strikeouts outnumbering hits this year for the first time, and too many plays ending in the dreaded "three true outcomes" -- strikeouts, walks and home runs -- where there's no action on the field. Baseball's leaders recognize that change is needed, and hopefully they will follow through as their predecessors did a half-century ago.The '68 season was truly the ice age of modern baseball. MLB players combined?to hit just .237, the worst in baseball history, and seven teams batted .230 or lower. (By comparison, this year's collective batting average was .248.) The New York Yankees hit a baseball-worst?.214 and still managed to have a winning season. Don Drysdale of the Los Angeles Dodgers threw six consecutive shutouts and broke Walter Johnson's 55-year-old record by tossing 58 and two-thirds consecutive scoreless innings.Drysdale was the winning pitcher in the All-Star Game, which the National League won by a typical 1968 score of 1-0. The sport's best hitters managed just eight hits that night while striking out 20 times.Baseball drew barely 14,000 fans?a game that season, and even some of the players' family members were yawning at the lack of action, as the Washington Post described that summer:"I think everyone would like to see more of the spectacular things you used to see in baseball: the base stealing, the arguments with the umpire, people screaming, 'throw the bums out,'" said Liz Peterson, wife of Washington outfielder Cap Peterson, who stole just two bases that year while batting .204. "That's when the game is fun."A lot of people today would like to see more base stealing, which has gone out of fashion, along with other exciting plays on the decline as players too often swing for the fences. Former player and manager Dusty Baker, who broke into the majors in '68, spoke for many when?he told Ken Rosenthal of the Athletic:"The game is getting so slow. And it's not exciting. What happened to the triple? Scoring from first on a double or a long single, running 3-2. I think the game is going to come back. It has to come back."Ted Williams made a similar prediction after baseball enacted changes to the sport in December 1968. Williams took over as manager of the Washington Senators the next season, and at spring training that year, a young reporter named Ira Berkow asked him: "Is Baseball doomed?"Williams replied: "There's no question about it, baseball is not as popular as it was 10 years ago. But games go in cycles. Baseball is down now, but it'll come back." And of course, that proved to be true, but it took some corrective action to make it happen.By midsummer 1969, Sports Illustrated declared that Baseball Booms Again. That season featured the Miracle Mets winning the World Series, and a minor miracle in Washington, where Williams led the second Washington Senators franchise to its only winning season.Across baseball, runs increased and strikeouts waned, increasing action, just as the owners had wanted. Now, we need that same upswing.Purists might object to tinkering with the sport, but isn't the more radical change continuing down a sclerotic path where more and more of the action is no action? Baseball can be an exciting game, and there's nothing wrong with the national pastime that some extra balls in the gap, stolen bases, and movement on the bases can't fix. 6039

in connection with the disappearance of two Wisconsin brothers.Garland Nelson, 25, was charged with two counts of first-degree murder in connection with the deaths of Nicholas Diemel, 34, and Justin Diemel, 24, according to court records. The Braymer man was also charged with two counts of abandonment of a corpse, two counts of tampering with physical evidence, two counts of armed criminal action, and unlawful possession of a firearm.Nelson was arrested in July, shortly after the brothers’ disappearance, on 515