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You’re probably working hard, and you’re probably still struggling to pay the bills. U.S. workers put in more hours in 2016 than the average among countries in the Organization for Economic Cooperation and Development. Yet overall financial security in the U.S. declined across most age groups between 2000 and 2014, according to Stanford University’s Center on Longevity.Figuring out whether your skills, experience and contributions to the company should net you a raise is tricky. Just because you feel underpaid doesn’t mean you are — but it’s worth finding out.Here’s how to do the research, talk to the right people and build a case to get the salary you deserve. 692

in order to pad his pockets.Dr. Yasser Awaad allegedly forced children to endure grueling medical tests — including sleep deprivation — multiple times, though the children never needed them.Mariah Martinez was just nine years old when she said she was referred to Awaad for headaches. At the time, Awaad worked for Oakwood Healthcare, which is now owned by Beaumont Health.Martinez says Awaad wanted her to undergo an electroencephalogram or EEG, and then told her she had epilepsy. Martinez says she was confused because she'd never had a seizure."I didn't know what epilepsy was at that point," she said.Martinez said the diagnosis scared her."Being told you're abnormal, or the tests are abnormal, means I'm not like everyone else, and at that age, you just want to fit in," Martinez said.She said the anti-seizure medication not only made her drowsy – it made her headaches worse."I kind of withdrew into myself, didn't want to be around people," she said.It wasn't until Awaad suddenly left his practice four years later and Martinez saw a new doctor that she found out she never had epilepsy."I lost, I feel like a piece of my childhood. All the time, I could have been learning to do things, playing with the other kids, I could have friends, I could have joined a sport – you never know," Martinez said.Martinez was not alone."I think it's despicable and deplorable that he would do this to any innocent child, let alone several hundred," medical malpractice lawyer Brian McKeen said. McKeen and a team of attorneys are suing Awaad and the hospital."When you look at all the evidence in this case. The conclusion is inescapable. That this was done intentionally," he said.McKeen alleges Awaad ran an EEG mill: the more tests he ran on the kids, the more money he made. At a 2018 deposition, McKeen claimed Awaad made "hundreds of thousands" of dollars for running the tests; money Awaad later said he was "entitled to."McKeen says one of Awaad's pediatric neurology colleagues even blew the whistle on him to Oakwood administrators back in 2003."She told them he's doing unnecessary EEGs, he's diagnosing kids with epilepsy that don't have it, and he's giving kids unnecessary drugs, and they did not do anything about it. They swept it under the rug," McKeen said.McKeen says Awaad also falsely diagnosed Martinez's sister with epilepsy, and in a different family, he's accused of misdiagnosing four out of five siblings.Hundreds of medical licensing records show that since 2010, the state has been accusing Awaad of violating the public health code for wrongly diagnosing kids with epilepsy. The state complaints use words like "negligence" and "incompetence" to describe Awaad, yet he still held on to his medical license.In 2012, he was put on probation and forced to pay a ,000 fine."That wasn't enough. They should suspend his license. He should never be allowed the opportunity to practice medicine and violate the trust of any other patient," McKeen said.In June, a jury awarded Mariah Martinez million for her case against Awaad. The second lawsuit of the 267 pending against Awaad is currently underway in Wayne County Circuit Court."I don't know if I'll ever be 100 percent," Martinez said.Beaumont Health and its lawyers chose not to comment, citing pending litigation and patient privacy laws. A spokesman also said that they have not had a relationship with Awaad since 2017.Beaumont spokesman Mark Geary declined to provide someone to talk on camera, but released the following statement:"The litigation involving Dr. Yasser Awaad and Oakwood Healthcare dates back more than a decade to 2007. We cannot comment about the specifics of this case or others because of pending legal proceedings and patient privacy laws. After his employment with Oakwood Healthcare, Dr. Awaad was briefly employed by Beaumont to provide medical education and clinical curriculum for residents and medical students in pediatric neurology. He completed this work in 2017 and has not had any relationship with Beaumont since that time."Meanwhile, the Michigan Attorney General's Office has filed another administrative complaint against Awaad's license. The hearing was supposed to be held next week, but Awaad's lawyers asked for it to be delayed. It's now scheduled in March.This story was originally published by Heather Catallo on 4344

Your credit card issuer can lower your credit limit at any time, regardless of how well you manage your account. Issuers might cut credit limits to minimize risk in an uncertain economy, as many cardholders have experienced during the COVID-19 pandemic in 2020. Or they may do it when cardholders regularly use what the issuers see as too much or too little of their available credit.Credit card companies determine your credit limit by evaluating several factors, like your credit score, your income, the available credit you already have and how much of that existing credit you’re using. Ultimately, though, they can increase or decrease limits whenever they want.When can a credit card issuer reduce my credit limit?Although credit card issuers can lower your limit at any time, they are most likely to do so when:You use too much of your available credit: When a cardholder regularly maxes out their credit limit or carries high balances, credit card issuers may view it as a sign of financial trouble. As a result, they may cut your credit limit going forward to minimize their own risk. This is especially true if you start paying late or missing payments.When the card is inactive or seldom-used: The company that issued your credit card makes money only if you use the card. (That money comes from transaction fees and, if you carry a balance, interest.) If you rarely use it, the issuer may be inclined to reduce your limit and, effectively, allocate that available credit to someone else who’s more likely to generate income for the issuer. If you let your card sit for too long without using it at all, your issuer might close your credit card entirely, leaving you with a potentially damaged credit score and no card to use.When the economy is uncertain: Credit card issuers have been known to reduce credit limits to minimize their risk when the economy is uncertain. Most issuers cut credit limits during the Great Recession, according to a survey by the Federal Reserve. They also did so in response to the COVID-19 economy.Can credit card companies lower your credit limit without notice?Credit card companies are not required to notify you about lowering a credit limit unless it will lead to an over-the-limit fee, which is unlikely since many issuers no longer assess this fee. In most cases, credit card companies are required to notify you 45 days ahead of time about any changes to your account’s terms and conditions, but this is one exception.Though credit card issuers aren’t obligated to notify you about a credit limit decrease, it’s common for them to do so. If you do receive such a notice, it might include a reason why the issuer trimmed your credit limit. You might even be able to ask to keep your current credit limit, depending on the reason for lowering it.Can I avoid credit limit reduction?You might be able to avoid a credit limit reduction, but it will likely depend on your issuer and your track record on managing your credit. The best attempt at avoiding one is to contact your issuer as soon as you learn that your credit limit is changing. You have nothing to lose by asking the company to consider keeping your prior credit limit.If you’re on the brink of maxing out your credit card or you’re using a lot of your available credit, it may be more difficult to persuade your issuer to leave your credit limit alone. Cardholders whose limits were slashed due to inactivity may have better luck.Act fast to contact your credit card issuer as soon as you get notice, if you get any. If you wait too long, you might have to undergo a credit check to get a credit limit increase, and there’s no certainty that you’ll get bumped back up to your previous amount.Will a decreased credit limit affect my credit score?A lower credit limit can affect your credit score if it materially changes your credit utilization ratio, the percentage of your available credit you’re using. Utilization is a key factor in your credit score. A rule of thumb is to use less than 30% of your available credit.Even if a reduced limit pushes you over that percentage, the effect doesn’t have to be permanent. Stay on track with payments and get your debt down, and your credit can recover.More From NerdWallet6 Credit Card Scams and How to Avoid ThemIs It OK to Never Have a Credit Card?Today’s Definition of Financial Adulthood Is More Flexible Than EverMelissa Lambarena is a writer at NerdWallet. Email: mlambarena@nerdwallet.com. Twitter: @LissaLambarena. 4485

(IED) and there was no detonation."Based on its appearance, responders originally suspected an explosive device had detonated. Investigation by officials determined it did not explode," wrote the Lewis and Clark County Sheriff’s Office in a Facebook update.The sheriff's office says the object that prompted an evacuation was actually a bottle filled with gears or machine parts and an unknown liquid that does not appear flammable.Sheriff Dutton says over the course of an investigation, officers spoke to a homeless man who they believe found the bottle and moved it from a nearby construction site to Rossiter Elementary School’s playground.Dutton emphasized that the school and the district took the appropriate steps after finding the object due to the unknown nature of it. Students and staff were evacuated and all schools in the district were placed on lockdown as they were searched. The schools were later cleared and the lockdowns were lifted. Additional tests will be completed on the object found on the playground, but they are not expected to show any dangerous material.Rossiter is expected to reopen to students on Wednesday. 1144

You’ve heard the presidential candidates fight it out. We’ll probably keep hearing from them for quite a while, no matter what the result is.But if you kept voting down your ballot, you probably voted for representatives to your state government. And this year, some people thought more than a handful of statehouses could flip from one party to another.Across the country, Democrats had the chance to flip 10 statehouses on election night, but six of the 10 remained under GOP control, while four are still counting results and remain too close to call.“There are still states that are counting so I don’t think we’re going to know the final numbers, but from what I’ve seen so far, it doesn’t seem like Democrats are kind of getting the statehouse wins that they were hoping for. My best guess at this point is Republicans will control the majority of statehouses once all the vote are counted,” said Sarah Chattfield, a political science professor at the University of Denver.She’s been watching the statehouse races.Statehouses have a ton of impact on state laws, budgets for important programs and schools, and they draw the lines for election districts every 10 years.“This year, we all just finished out the census and as a result of that, states are going to be redrawing their legislative districts. Some states do that with an independent commission, but the most common way is the state legislature redraws those districts,” said Chattfield.Every 10 years in the US, we redraw our legislative districts based on population. In many states, it becomes political.“If your party is in control of the state legislature, you can then draw districts to benefit your party,”So, the stakes were extra high this year. But in addition to redistricting, states control the state laws that impact the people in their states from speeding tickets to abortion to school funding to election laws, which we are seeing have a very real impact on the presidential race.“A huge amount of variation across the states in whether you’re in an all-mail state, or states where there’s very little absentee balloting and people have to show up. All of those are things that states are able to control,” said Chattfield.The impacts from the 2020 election across statehouses will shape the futures of many Americans for about a decade to come. 2335