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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

including nurses.Many of them have had to work despite shortages in safety gear, continuing to risk their lives as they battle the virus.Kious Kelly, an assistant nursing manager at Mount Sinai Hospital, died Tuesday night after testing positive for the coronavirus, 269

before wisdom tooth surgery.The alleged incident took place on December 6, 2019 at the Tampa Bay Institute of Oral Surgery.According to an affidavit, before the surgery but after being administered a laughing gas, Edwin Alvis, 37, allegedly pulled the woman's shirt up and put his mouth on her breast.Alvis is also accused of reaching into the woman's pants and touching her inappropriately.He denied the incident happened during an interview on Jan. 2, but a swab of his DNA was taken at the time.That swab along with the SAVE exam from the victim were sent in for testing, where detectives were able to determine Alvis' DNA was present on the woman's breasts.Alvis was arrested and charged with sexual battery.This story was originally published by 753

after the accidental shooting death of her 4-year-old son.Kandice Cole dropped off her two kids at a family friend's house to babysit while she and her husband went to work.Shortly after, she said her 4-year-old son, Eric, found the babysitter's gun and accidentally shot himself. His 7-year-old sister found him."I am all for people protecting themselves, their homes and families. I get it. However, you have an obligation to be responsible and be intelligent and to make sure that you have them secured so the kids don't hurt themselves," Cole said.Cole only wishes now that she had inquired about guns in the home and whether they were properly secured and out of reach from her children."I would rather be uncomfortable during a five-minute conversation than have to wake up every day knowing that I'm supposed to have two kids and I have one," Cole said. "I'm supposed to have a brother and sister who are growing together. Instead I have a sister who lays on her bed and cries holding a picture of her and her brother.""Be Smart" with Mom's Demand Action for Gun Sense in America seeks to educate people about the importance of storing your guns unloaded and away from children."We know for example that 90% of unintentional shootings take place within a home setting," Jane Hedeen of "Be Smart" said. "And this is particularly important in the holiday times when we're going to either host or visiting friends and relatives, we may make the assumption that if we are a responsible gun owner ourselves, people we're going to visit are practicing those and we just can't assume."This story was originally published by Stephanie Wade on 1644

during a performance of "The Beatles LOVE" at The Mirage Casino.The incident occurred during the 9:30 p.m. show. Cirque du Soleil says that the aerial artist fell during the finale.The show was stopped as a precautionary measure, and the emergency team safely took the artist backstage, where he was taken care of by the show's medical team. The performer was then transported to a local hospital for examination.Cirque du Soleil said that the artist would be monitored by the show's medical and coaching teams to determine when he can return to his activities.Another Cirque du Soleil performer 598

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