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Dipping your toe into the world of credit? You’re in luck: There are more ways to establish credit now than there were in decades past.You build your credit score by adding positive information to your credit reports, which are files of financial data about you. These files are compiled by the three major credit bureaus, Experian, Equifax and TransUnion. Lenders, landlords and employers may check one or more of those files while reviewing your application.Here are three well-known ways to establish credit, plus some new products designed to give you a leg up.Traditional credit-building toolsThese three approaches can quickly 645

E-cigarette companies are currently fighting an uphill battle.The U.S. Food and Drug Administration sent a letter warning them against the way they were marketing their products. This is what they wrote to JUUL Labs, Inc. on September 9: 249

COVID-19 is presenting many challenges for the U.S. healthcare system. To combat the problems and fears some might have, healthcare facilities are having to adapt quickly to telemedicine and rely more on technology, just like other industries."All of a sudden, we're in the middle of a pandemic, and I need to figure out how am I going to take care of my wellness patients and sick patients," Dede Chism, a nurse practitioner and executive director of Bella Health + Wellness, said. Chism said the idea of telemedicine came about when she was trying to decide who needed to go in and who didn't. "We launched telemedicine overnight," Chism said.She said within ten days of launching, over 50 percent of their patients were taken care of via telemedicine visits.Bella Health + Wellness is not alone, and health systems have been leaning more heavily on telemedicine and conducting appointments through HIPAA-compliant video chat as the nation deals with the COVID-19 pandemic."The role of telemedicine is several-fold," Dr. Alexander Mason, a neurosurgeon and Medical Director for Specialist Telemed said. "It's allowing specialists to connect with patients both in the hospital but also in clinics and at home."Dr. Mason said Telemed allows the sick people to stay home and not get others sick. "This has been a very, what I would describe as linear progression up until COVID-19," Dr. Mason said. "What we see now is an overnight acceptance of that."Dr. Mason explained that telemedicine had been around for decades. "What's changed there for us in the last five years is increasing availability of good high-quality technology both software and hardware," he said. "We see the ability for telemedicine to shine, not only in the traditional three specialties of neurology, psychiatry, and pulmonary critical care but also in a huge number of other specialties in the inpatient and outpatient space."However, telemedicine isn't for every type of doctor's visit. "Telemedicine can not and should not be used for every patient and in every clinical scenario," he said.The Centers for Disease Control and Prevention said telehealth had grown exponentially since the late 1990s, predicting it will be a billion corner of the healthcare market by 2020."I think patients are going to feel a lot more comfortable reaching out via camera if we're able to do this and proof of concept," Dr. Nick Tsipis, an ER physician at Swedish Medical Center and Chief of ER telemedicine for CarePoint Health, said. He sees firsthand how coronavirus is impacting the emergency room,"It can keep folks in areas that are most safe for them by using telemedicine. That's one of our primary applications for it," Dr. Tsipis said.Which is just how Dede and Bella Health are using telemed -- to help their patients feel comfortable."One of the things that have risen amid this virus is gratitude," Dede said. "So much gratitude that we've instituted telemedicine that they can see us, and they know we are seeing them.""The innovation is what we're seeing is both physician acceptance, patient acceptance, and payer/government acceptance," Dr. Mason said.Dr. Tsipis says he hopes telemed will take on more of role if after the pandemic is over"When this is over, physicians will feel more comfortable in an expanded scope of telemedicine as well as a better understanding of several different platforms," Dr. Tsipis said. 3409

Danny Aiello, a prolific actor who was nominated for an Academy Award for his role as pizzeria owner Sal in Spike Lee's "Do the Right Thing," has died, a family representative confirmed Friday to CNN."It is with profound sorrow to report that Danny Aiello, beloved husband, father, grandfather, actor and musician passed away last night after a brief illness," according to a family statement provided to CNN. "The family asks for privacy at this time. Service arrangements will be announced at a later date."He was 86.The veteran actor appeared in a plethora of well-known roles including as Johnny Cammareri in "Moonstruck," Tony Rosato in "The Godfather II" and as Madonna's father in the "Papa Don't Preach" music video.Aiello was born in Manhattan, the second youngest of six children, to a seamstress and a laborer. His mother was born in Naples, Italy, and married his father when she was 15 years old. 921

CHICAGO, Ill. – Ten years ago, Aja McClanahan didn’t think she’d be living on Chicago’s South Side. It also seemed like her family would be forever be in debt.“It was a mountain that I did not think we could ever tackle,” said McClanahan.Her family didn’t owe just a little bit of money. “It was over 0,000,” said McClanahan. McClanahan says everything started with student loans. That was the bulk of her and her family’s debt.“Between my husband and I, we had tons of student loan debt, ,000 between the two of us,” said McClanahan. “Then another ,000 was a mixture of consumer debt, car notes, credit cards, medical bills and things like that.” But the family decided debt was not going to define them forever.“I remember when I had my first child, my daughter, I knew I wanted to stay home with her but when I ran the numbers…we were like between bills rent, debt repayment, student loans, we cannot make this work,” said McClanahan. She says her family wasn’t budgeting before they put a plan together to pay down debt. "We just spent money as it came in and whatever we spent it on,” said McClanahan. “But with a spending plan we could prioritize what is important to us. So, it helped us look at how we were spending our money. And we kind of cut the fat.”They made sacrifices including a move from the suburbs of Chicago to the inner-city South Side neighborhood of Englewood. They inherited a house from a family member. “The first night we were there, we were like this is the stupidest thing we have ever done,” McClanahan said. "It was so noisy. Just the urban soundscape if you’re not used to it. So, it’s like sirens, barking dogs, people yelling and shouting in the alleys. We were like what have we done?”But they settled in and made it their home without paying a mortgage or rent.After about eight years of strict spending, side hustle and chipping away, they finally paid it all off. "The final balance was ,700 or something like that for a student loan or something like that and I remember making the payment or something like that and remember calling my husband and saying we’re debt free,” said McClanahan. McClanahan now works as a speaker and author trying to help other people conquer debt. "I find that a lot of people become hopeless around the holidays when you’re expected to have money to go out to parties to exchange gifts. For some people, they feel powerless and out of control because they don’t have money,” said McClanahan.While money isn’t everything, McClanahan says it can impact's more than just a bottom line.“I feel like money touches every part of our lives and if you can fix that money thing, you can get back more control,” said McClanahan. 2712

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