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 Retirement savings are typically protected in bankruptcy, but money already withdrawn cannot be recovered.Co-signing a loan: Aaron Smith, a financial planner in Glen Allen, Virginia, says co-signing so a friend or relative can get credit is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

Spencer Davis, bandleader of the self-titled group that reeled off such hits as "Gimme Some Lovin'" and "I'm a Man," has died at the age of 81.Davis died Monday while being treated for pneumonia in a hospital, Rolling Stone reported.Steve Winwood, who served as lead singer of the Spencer Davis Group, called Davis "an early pioneer of the British folk scene" in a statement released Tuesday and said Davis was "like a big brother" to him."He was definitely a man with a vision and one of the pioneers of the British invasion of America in the sixties," Winwood said.Founded in Birmingham, England, in 1963, Davis teamed with Winwood, his bass-playing brother, Muff Winwood, and drummer Pete York to form the quartet.The band's first No. 1 single, "Keep On Running," was released in 1965.In the next two years, the Spencer Davis Group followed with another pair of hits -- "Gimme Some Lovin'" and "I'm a Man," both of which cracked the top 10 on the U.S. charts."Gimme Some Lovin'" has been featured in several popular movies, including "The Big Chill," "Days of Thunder" and "Striptease."In recent years, the band is arguably known for its trick trivia question, "Who was the lead singer of the Spencer Davis Group?"Winwood eventually left the band to form Traffic in 1967, but the Spencer Davis Group carried on without him, though with far less success. The group eventually disbanded in 1969.This story was originally published by Peter Burke at WPTV. 1463

St. Louis’ top prosecutor has charged a white husband and wife with felony unlawful use of a weapon for displaying guns during a racial injustice protest outside their mansion. Circuit Attorney Kim Gardner announced the charges Monday against Mark and Patricia McCloskey.Both are personal injury attorneys and in their 60s. The McCloskeys’ actions during the June 28 protest drew praise from some who said they were legally defending their .15 million home, but scorn from others who said they risked bloodshed.Several hundred protesters were marching to the mayor’s home, just a few blocks away.Mark McCloskey told CNN's Chris Cuomo that he feared for his life."I was a person scared for my life, protecting my wife, my home, my hearth, my livelihood, I was a victim of a mob that came through the gate. I didn’t care what color they were. I didn’t care what their motivation was. I was frightened. I was assaulted and I was in imminent fear they would run me over, kill me," he said in the CNN interview.Video of the incident went viral as protesters clashed with the couple. 1087

Some may call this story a coincidence but this Corpus Christi, Texas couple calls it fate.Turns out they were both born on the same day, delivered by the same doctor all while at the same hospital.It was at Bay Area hospital almost 23 years ago that the special deliveries took place.Sierra Molina and Marcus Acuna’s love story is hard to believe but it’s true. Now, this couple wants to make their wedding day just as special as their love story.It was while the two were getting to know each other they learned this love connection was meant to be. That’s because the couple was born on the same day, in the same hospital.“I went and asked my mom. And she was like why what’s wrong? Well, the girl I’m talking to has the same birthday as me. She goes, really? And I go yes. It’s weird,” said Sierra Molina’s fiancee Marcus Acuna. Then they were delivered by the same doctor.“So when our parents told us we were like oh that’s cool let’s pull out the birth certificate and we saw it on there,” said Bride to be Sierra Molina.“It was divinely a shock to find out that there is somebody out there that has the same birthday as me and lives in the same town as me for years as long as we’ve been here,” said Acuna.Their love continued to grow and on Christmas Day in December of 2019, the two got engaged.“When I realized I wanted to marry her, I was like you know, it’s something that I want to do and this makes me happy and she makes me happy,” said Acuna.Since their story is so special the wedding date they chose will be as well.“Now that we are going to have our wedding on our birthday on August 23rd when we turn 23 like that’s so special like this date whether it’s during corona or not we know we wanted to have this date,” said Molina.If you are second-guessing getting married during a pandemic, the couple has some advice for you.“Just do it. It’s not about how big it is or how small it is, if it’s in a backyard, ya know just anything. Get married to the person that you want to,” said Molina.Molina has tried getting in touch with the doctor who delivered them to let him know that the two babies he delivered nearly 23 years ago and just hours apart are now getting married.This story was originally reported by Corderro McMurry at KRIS. 2262

Several industries have been disrupted since the coronavirus pandemic hit the U.S., including the food supply chain. From dumped milk to piles of uneaten onions and potatoes, this was just some of the food going to waste on farms across America due to COVID-19-related shutdowns.“Really its impact on the food supply chain started in March,” said Jack Buffington, a supply chain expert currently developing the supply chain program at the University of Denver. “Most of us who have been in the supply chain have never seen an event like this happen.” While farmers were dumping or burying products, food banks were missing out on some much-needed supplies, and dealing with growing demand. So were grocery stores as restaurants were closed and consumer buying habits changed.“More of the retail food market went down and more of the consumer home food market went up,” Buffington explained. “This caused a major shock in the supply chain where you had this situation where some foods were going to waste and some foods were in high demand.”First, the federal government stepped in to help. The USDA was given up to billion through the Coronavirus Assistance Program to buy fresh produce, dairy, and meat from farmers and then distribute that to those in need.And then there were nonprofit organizations like FarmLink.“We matched a farm in Idaho, an onion farm, to or local food bank in Los Angeles,” Max Goldman with FarmLink explained. “We delivered 50,000 pounds of onions to them.” He said that was their proof of concept.Goldman is a student at Brown University. Him and a group of students saw the disruption in the supply chain, and decided to do something about it.“A lot of what we do is finding food that would’ve been sent to the dump,” he said.So, FarmLink was born to help with food waste.“We’ve done two million pounds in seven days,” Goldman said. In just two months, they’ve reallocated four million pounds of food. They pay farmers their cost with donations and grants they receive, and help get the good to food banks. Goldman said the farmers are generally grateful“One of the first farmers we worked with, he said the day he has to dump his food is the worst day of his life. He works all year to basically produce this food and for him to have to a dig a hole in his backyard and just take a dump truck and put all his potatoes and onions or whatever it is, he said it makes him cry and it’s the worst day of his life,” Goldman said. “Even if he lost money on it, he was glad he could send this food to people in need during this time.”So far, they’ve delivered food to approximately 30 states.“This is not a new issue and its been accelerated and made more public due to coronavirus, but every year there’s over 60 billion pounds of food waste,” Goldman said.Buffington said the work of FarmLink and organizations doing similar work is just a drop in the bucket, but it’s promising.“Small in scale of the overall supply chain, but it’s huge in this opportunistic saving of food,” he explained. Buffington sees this type of work as a Band-Aid on the bigger issue, but it could open eyes to solutions down the road.“Supply chains work really well on stability,” Buffington said. “It’s tough to think about innovation which is disruption, when you're worried about a disruption to your current model.”“I think when we pull out of this you’re going to see remarkable opportunities for innovation,” he said.For now, FarmLink and other organizations are working to make sure food doesn’t go to waste. Goldman’s goal is to move over a million pounds of food a day. “We’ve had tens of thousands of people reaching out wanting to help, and that’s just so uplifting and really gives you hope,” Goldman said. 3729

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