濮阳东方医院看男科非常的专业濮阳东方男科医院割包皮安全,濮阳东方医院割包皮很靠谱,濮阳东方男科医院公交站,濮阳东方医院割包皮手术专业吗,濮阳东方妇科医院做人流手术先进,濮阳东方男科医院专家怎么样,濮阳东方妇科医院咨询医生

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

With the CDC's recommendation that Americans not travel to see family members for Thanksgiving next week, many won't be able to see their relatives this holiday season. However, doctors say it's as important as ever to keep in touch with elderly relatives.One easy way to stay in touch with older relatives is through video chat. And while elderly family members may not have much experience with it, Dr. Donald Mack says seniors have been more willing to try new technologies amid the pandemic."Most of them have really bought into the importance of staying safe, and they're willing to try this new technology," said Mack, a geriatrician at Ohio State's Wexner Medical Center. "I used to think some of them would just say no."It's totally normal to have hiccups. Mack says it's all about having patience and giving family members a hand.If a loved one has a caregiver, see if they are able to help set up the calls. Once that happens, take a look at the environment your loved one finds themselves in."If the senior is able to do that safely is say, 'Hey can you show me how you can get out of that chair and get something across the room?' Or, 'show me how your plants are doing,'" Mack said. "Sometimes, you can check in on them, and also check in on their function that way, too."Mack says callers should also check in on their loved ones' grooming — something they wouldn't otherwise be able to see in a regular phone call.Doctors even say seniors might be willing to have difficult conversations over video chat, as long as their cognitive health is OK.Callers can also talk about what their loved ones need and set up services like grocery and medicine delivery if they're in another city.If video chatting becomes too much of an obstacle, doctors say it's still OK to resort to a regular phone call. They say the most important thing is to stay in touch. 1871

at all of its properties effective March 15.The closures include buffets at MGM Grand, ARIA, Bellagio, Mandalay Bay, Mirage, Luxor, and Excalibur."These changes are temporary and will be evaluated on a weekly basis," MGM said in a statement.MGM did not provide additional information in response to an initial media inquiry, though the announcement comes as the world deals with an outbreak of the novel coronavirus. It's unclear what will happen to employees working on the buffet lines.The Culinary Union, which includes hospitality workers in Nevada, said it is sending representatives to bargain with casino companies amid the outbreak."Now, as the coronavirus (COVID-19) continues to spread, we are working very hard to monitor the effects on Culinary Union members," the Union said in a statement. "The Culinary Union is sending requests to all of the casino companies to meet immediately and bargain on the effects of the coronavirus outbreak. We are evaluating the coronavirus situation daily."Caesars says their buffets will remain open, but they say they will be incorporating cleaning and hygiene protocols into their buffets.Station Casinos and Boyd Gaming did not immediately respond to a request for comment regarding their buffets.This story was originally published by Joyce Lupiani and Austin Carter on 1323

by switching to take-out and delivery only. Some restaurants have had to lay off workers or put them on furlough. As restaurants struggle to stay in business, one Arizona boss is going all out for his employees.Pete Stidham, owner of the Original Breakfast House in North Phoenix, has decided to donate 100% of all his take-out order proceeds to the employees he has had to put on furlough."This way at least they get a little something in their paychecks. It's not the full amount but it's something," said Stidham.The California beach-themed restaurant has been a staple in the neighborhood for the last seven years. Stidham, who has worked in the restaurant industry since 1966, says he knows the plight of his employees."I started as a dishwasher at Denny's 50 years ago. I know how hard it is and how employees are struggling, just barely making their bills. It's tough. They're the ones suffering the most," said Stidham.Employees who worked at the Original Breakfast House told KNXV they were extremely touched by their boss' move."John is just a remarkable man. We're his family. He is our family. [We're] just so thankful. He didn't have to do that," said Seta Garabet, who has been a server at the diner for five years.She, like others, suffered a big hit to her paychecks due to the sudden decline in business, and the move to take-out only. "It's been about 0 less. It's tough. We're deciding what bills to pay. It's a roll of the dice right now as to what bill I'll pay," said Garabet.Stidham, who is in his early 70s, says he could have easily closed the shop and gone home to take a break. The only reason he's kept the doors open, he says, is so his staff can get paid. "I'm a single man, got no wife, no kids. But here we've got 30 employees. Among those 30 employees, they've got 25 kids. Those kids gotta eat," he added.Loyal customers have also been generous to the staff, giving them big tips. While KNXV was in the restaurant a customer dropped off a check for 0 with a note stating it was "for your wonderful staff". The diner is located at 13623 N 32nd St, Phoenix, AZ 85032.This story was originally published by Sonu Wasu at KNXV. 2164

Click here for the District's main parent resource page. Turn to this website for information about important district forms, engagement opportunities, and parent FAQs. (Login required) 187