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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

because the school refuses to fire a teacher that's in a same-sex marriage.The Board of Trustees for Brebeuf expects the Archdiocese to issue the decree in its weekly newspaper on June 21."Brebeuf Jesuit was founded in 1962 as an independent Catholic Jesuit school," the letter said. "While we’ve enjoyed a collaborative partnership with the Archdiocese for nearly 57 years, we have always maintained control of our school’s operations and governance, including our personnel decisions."The school said the decree comes after school leaders and the Archdiocese were in disagreement regarding whether the Archdiocese had the final say in staff matters, including employment status."Specifically, Brebeuf Jesuit has respectfully declined the Archdiocese’s insistence and directive that we dismiss a highly capable and qualified teacher due to the teacher being a spouse within a civilly-recognized same-sex marriage," the letter said."To our knowledge, the Archdiocese of Indianapolis’ direct insertion into an employment matter of a school governed by a religious order is unprecedented; this is a unique action among the more than 80 Jesuit secondary/pre-secondary schools which operate in dioceses throughout North America, along with the countless Catholic schools operated by other religious orders such as the Christian Brothers, Dominicans, and Xaverian Brothers. "Brebeuf says the Archdiocese's decision will not change their identity and they plan to continue to serve as a Catholic school in the Indianapolis community."Whereas the Archdiocese of Indianapolis may choose to no longer attend or participate in the school’s Masses and formal functions, Brebeuf Jesuit is, and will always be, a Catholic Jesuit school. The Archdiocese has assured us that Jesuit priests may continue to serve at Brebeuf Jesuit and will retain their ability to celebrate the sacraments of the Catholic Church."The Archdiocese of Indianapolis did not immediately respond to a request for comment.This story was originally published by Katie Cox on 2036

— a job usually reserved for men. Her work inspired a newspaper column about her life, which in turn inspired Redd Evans and John Jacob Loeb to write a song called "Rosie the Riveter." The Four Vagabonds later popularized that song and propelled the term into popular culture.Rosalind P. Walter, the inspiration behind "Rosie the Riveter" who later in life became a major philanthropist, has died 398

for allegedly slamming a child to the ground during the national anthem at a county fair.Witnesses say Curt Brockway grabbed, picked up and slammed the boy on the ground at the Mineral County Fair because he did not remove his hat during the national anthem.The parents say the child was bleeding from his ear for nearly six hours after the incident.The 13-year-old boy suffered temporal skull fractures from the incident. He was flown to Spokane, Washington for medical care.“It’s just a lot of pain in my head. I don’t remember anything – the rodeo – the helicopter – nothing,” the boy said. His identity has been withheld because he is a minor.The boy has been released from the hospital and is back home where he will continue healing, according to the parents.Brockway was arrested on Saturday night and made his initial court appearance on Monday in Mineral County.The state requested a 0,000 bond for Brockway. However, the judge ruled Brockway released on his own recognizance. Brockway had not been released as of 5 p.m. local time on Monday.Brockway pleaded guilty to an assault with a weapon charge that occurred in 2011. This story was originally published by Kent Luetzen on 1198

With the Trump administration openly trying to undermine mail-in voting this fall, some election officials around the country are hoping to bypass the Postal Service by installing lots of ballot drop boxes in libraries, community centers and other public places.Such boxes have been used with success for several years in states like Oregon, Washington and Colorado that rely largely or entirely on ballots that must be sent in. But their use is being expanded because of the coronavirus outbreak and, more recently, concerns about the post office’s ability to do its job.State or local authorities in places such as Arizona, Wisconsin and Pennsylvania are pressing for more boxes or drop-off sites that would enable ballots to reach election officials without going through the mail.“Donald Trump continues to undermine the legitimacy of mail-in absentee ballots by attacking the U.S. Postal Service,” said New York state Sen. Brad Hoylman, a Democrat who is sponsoring legislation to set up drop boxes beyond the usual confines of voting sites and local election offices. “New York can hit back on this anti-democratic fearmongering by establishing absentee ballot drop boxes across the state to help ensure the integrity of these ballots.”In the potential battleground state of Wisconsin, the five biggest cities won a .3 million grant from the nonprofit Center for Tech and Civic Life to help administer the November election, including installation of drop boxes. Milwaukee Mayor Tom Barrett said his city will use some of its .1 million share to buy more than a dozen to install at libraries and other locations.Arizona’s secretary of state is ordering about 70 more for the mostly rural areas that have requested them, and a spokeswoman said some counties are also purchasing extra ones.Washington state election officials said that there are 450 drop boxes statewide, and there are discussions about adding more.Last week, the Postal Service, having cut overtime and late deliveries, began warning states that it can’t guarantee all mail ballots will be received in time to be counted. President Donald Trump, who has been sowing unfounded fears of vote-by-mail fraud for months, last week admitted blocking Postal Service funding so it would be harder to process the expected surge of millions of ballots.Democratic Rep. Mark Pocan of Wisconsin said concerns over post office delays are a big factor in communities looking to install drop boxes for the November election.“It’s another way to be completely assured your ballot is getting dropped off as if you’re going to the polls,” the congressman said. “I think you’re going to see a lot more of this happening.”Election officials in some states — mainly Republican-led ones — have come out against adding drop boxes, saying doing so would be too costly, raises security concerns or would violate state laws.In a tweet Monday, Trump sought to cast doubt on the security of such boxes, saying: “So who is going to ‘collect’ the Ballots, and what might be done to them prior to tabulation? A Rigged Election? So bad for our Country.”Typical security measures for drop boxes include video surveillance, locks, tamper-resistant seals and chain-of-custody logs that are completed each time ballots are collected.Local officials, at a minimum, should have a drop box at their main county or city office building, and it is recommended that they have one box for every 15,000 to 20,000 registered voters, according to a memo issued by federal authorities in response to the viral outbreak.The Brennan Center for Justice, a public policy institute at New York University Law School, has estimated that nearly 11,700 ballot drop-off boxes will be needed for November, at a cost of million to 7 million for purchase and installation.Washington state has boxes outside churches, fire stations, libraries, colleges, city halls, shopping centers and courthouses. In Oregon, they are not only inside libraries and government buildings but on the street outside high-traffic businesses such as Starbucks, McDonald’s and movie theaters.“The whole idea really is to meet people where they are in their everyday lives,” Amber McReynolds, CEO of the National Vote at Home Institute and a former elections official.In Pennsylvania, a federal lawsuit by the Trump campaign and Republican National Committee has cast drop boxes into a legal gray area.That was after Philadelphia and its suburbs used them — to great success, according to officials there — in the June 2 primary, when a record-smashing 1.4 million ballots arrived by mail. Democratic state lawmakers are countersuing to get a judge to clarify that drop boxes are legal.In the meantime, Philadelphia and several suburban counties plan to create satellite election offices where people can register to vote, apply for a ballot and submit it. Philadelphia wants to establish as many as 17.Suburban Delaware County is plowing ahead with its plans for drop boxes without waiting for the outcome of the legal dispute, said County Council member Christine Reuther, a Democrat. With the help of grant money, the county will buy 50 boxes and have them installed by Oct. 1.The goal of the Trump campaign’s lawsuit, said Reuther, was to “scare people away from doing this.”“We are gambling a little bit,” she said. “I think our lawyers feel pretty confident about the lawsuit.”Louisiana isn’t debating adding drop boxes, but the state’s elections chief, GOP Secretary of State Kyle Ardoin, is proposing to allow parishes to set up curbside drop-off stations where people can hand their absentee ballots to someone in person rather than put them in the mail.North Carolina has no plans to install boxes, and Oklahoma doesn’t use them either, though voters can drop off ballots at one location in each county. But the state plans on printing green return envelopes to help postal workers more easily identify mail-in ballots and give them priority.Ohio will have a single drop box in each of its 88 counties. Secretary of State Frank LaRose, a Republican, said he would need legislative authority or clearance from the attorney general to add more.State Sen. Nickie Antonio, a Democrat from suburban Cleveland, said LaRose’s stand “reeks of partisan politics.”____AP state government reporters around the country contributed to this report. 6351