上海脑血管瘤(上海附二院肿瘤科主任) (今日更新中)

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 Retirement savings are typically protected in bankruptcy, but money already withdrawn cannot be recovered.Co-signing a loan: Aaron Smith, a financial planner in Glen Allen, Virginia, says co-signing so a friend or relative can get credit is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

Since the police killing of George Floyd – and the killing of Breonna Taylor – two cases in a lengthy history of police killing unarmed Black men and women – there have been protests and a movement for reform to policing practices. LEAD and partner JONES are bringing together local leaders, Councilmember Monica Montgomery [sdchamber.org], Joshua Chanin [sdchamber.org], and Jerry Sanders [sdchamber.org]. The discussion will break things down into a deeper understanding of the police reform movement and discuss ways we can be involved.CAN'T SEE THE VIDEO BELOW? CLICK HERE 584

SPRINGFIELD, Va. — Virginia's largest school system is removing the name of Confederate Gen. Robert E. Lee from one of its high schools in favor of the late U.S. Rep. John Lewis.The board voted Thursday to rename Robert E. Lee High School in Springfield, Virginia — a Washington, D.C. suburb — after the late congressman and civil rights leader.A news release posted on the school district's website says the new name will be effective for the 2020-21 school year."Rep. Lewis was a champion of the Civil Rights movement, and our Board strongly believes this is an appropriate tribute to an individual who is a true American hero," School Board Chair Ricardy Anderson said in a statement. "We will also honor his life's work by continuing to promote equity, justice, tolerance and service in the work that we do.""The name Robert E. Lee is forever connected to the Confederacy, and Confederate values are ones that do not align with our community," said Tamara Derenak Kaufax, a board member representing the high school's district. "Our schools must be places where all students, staff, and members of the community feel safe and supported. I believe that John Lewis' extraordinary life and advocacy for racial justice will serve as an inspiration to our students and community for generations to come."Other names under consideration included Barack Obama, Cesar Chavez, Mildred Loving, Central Springfield and Legacy.The change comes nearly three years after the school system removed the name of Confederate Gen. J.E.B. Stuart from another high school.Several high schools across the country named for Confederate generals have chosen to select new names following monthslong protests against police brutality and systemic racism.Lewis, a civil rights icon, died last week. 1784

Singer Mariah Carey is getting into the cookie business.The delivery-only cookie brand, Mariah's Cookies, which launched Friday, will offer boxes of 12 cookies for .99 or a half-dozen for .99.Customers will have several different assortments to choose from, including chocolate chunk, triple chocolate chunk, Heath bar, lemon cooler, spiced oatmeal raisin, white chocolate cranberry, pumpkin, and gingerbread.According to Today, the cookies are available year-round, and currently, the company is offering a Holiday Hits Box, which includes gingerbread, white chocolate cranberry, and pumpkin.Also on Friday, Carey's Apple TV+ production, "Mariah Carey's Magical Christmas Special," premiered on the streaming service, the Associated Press reported. 763

Spending cuts to schools, childhood vaccinations and job-training programs. New taxes on millionaires, cigarettes and legalized marijuana. Borrowing, drawing from rainy day funds and reducing government workers’ pay.These are some actions states are considering to shore up their finances amid a sharp drop in tax revenue caused by the economic fallout from the COVID-19 pandemic.With Congress deadlocked for months on a new coronavirus relief package, many states haven’t had the luxury of waiting to see whether more money is on the way. Some that have delayed budget decisions are growing frustrated by the uncertainty.As the U.S. Senate returns to session Tuesday, some governors and state lawmakers are again urging action on proposals that could provide hundreds of billions of additional dollars to states and local governments.“There is a lot at stake in the next federal stimulus package and, if it’s done wrong, I think it could be catastrophic for California,” said Assemblyman Phil Ting, a Democrat from San Francisco and chairman of the Assembly Budget Committee.The budget that Democratic Gov. Gavin Newsom signed in June includes .1 billion in automatic spending cuts and deferrals that will kick in Oct. 15, unless Congress sends the state billion in additional aid. California’s public schools, colleges, universities and state workers’ salaries all stand to be hit.In Michigan, schools are grappling with uncertainty as they begin classes because the state lacks a budget for the fiscal year that starts Oct. 1.Ryan McLeod, superintendent of the Eastpointe school district near Detroit, said it is trying to reopen with in-person instruction, “but the costs are tremendous” to provide a safe environment for students.“The only answer, really, is to have federal assistance,” McLeod said.Congress approved 0 billion for states and local governments in March. That money was targeted to cover coronavirus-related costs, not to offset declining revenue resulting from the recession.Some state officials, such as Republican Gov. Eric Holcomb of Indiana, are pushing for greater flexibility in spending the money they already received. Others, such as Republican Gov. Mike DeWine of Ohio, say more federal aid is needed, especially to help small businesses and emergency responders working for municipalities with strained budgets.In mid-May, the Democratic-led U.S. House voted to provide nearly trillion of additional aid to states and local governments as part of a broad relief bill. But the legislation has stalled amid disagreements among President Donald Trump’s administration, Republican Senate leaders and Democrats over the size, scope and necessity of another relief package. In general, Republicans want a smaller, less costly version.The prospects for a pre-election COVID-19 relief measure appear to be dimming, with aid to states and local governments one of the key areas of conflict.The bipartisan National Governors Association and Moody’s Analytics have cited a need for about 0 billion in additional aid to states and local governments to avoid major damage to the economy. At least three-quarters of states have lowered their 2021 revenue projections, according to the National Conference of State Legislatures.While Congress has been at loggerheads, many states have pressed forward with budget cuts.Wyoming Gov. Mark Gordon, a Republican, recently announced 0 million of “agonizing” cuts that he described as “just the tip of the iceberg” in addressing a billion budget shortfall caused by the coronavirus and declining revenue from coal and other natural resources. The cuts will reduce funding for childhood vaccinations and eliminate a program to help adults learn new job skills, among other things.“It is not likely that these trends are going to turn around rapidly or as significantly as we would like,” Gordon said.In August, Rhode Island Management and Budget Director Jonathan Womer sent a memo to state agencies instructing them to plan for a 15% cut in the fiscal year that starts next July.In some states, however, the financial outlook is not as dire as some had feared earlier this year.Previous federal legislation pumped money into the economy through business subsidies, larger unemployment benefits and ,200 direct payments to individuals. The resulting consumer spending led to a rebound in sales tax revenue in some states. Many states also delayed their individual income tax deadlines from April to July, which led to a larger than usual influx of summer revenue from taxpayers’ 2019 earnings.In Vermont, where lawmakers are expected to work on a budget next week, a deficit that some had feared could reach 0 million now is pegged around million. A predicted 8 million shortfall in Arizona for the current fiscal year has been revised to just million.Local governments in New Mexico said revenue has been propped up by surprisingly strong sales taxes. But “that sugar high from the federal stimulus will fall off, and our communities will be affected,” said A.J. Forte, executive director of the New Mexico Municipal League.New Mexico Gov. Michelle Lujan Grisham, a Democrat, is urging the Legislature to legalize and tax recreational marijuana as a way to shore up state revenue. Democratic Pennsylvania Gov. Tom Wolf also wants the Legislature to legalize marijuana, with the tax revenue going toward grants for small businesses and criminal justice reforms.State tax revenue often lags economic trends because individuals’ income losses aren’t reflected on tax returns until months later. As a result, experts warn that states might experience the lagging effects of the recession well into their 2021 and 2022 budget years.“The worst is still yet to come,” said Brian Sigritz, director of state fiscal studies at the National Association of State Budget Officers.The 2021 fiscal year began July 1 in most states. But seven states have yet to enact a full-year budget, in some cases because they have been waiting for congressional action on another relief bill.One such state is New Jersey, which shifted the start of its budget year from July to October because of the coronavirus pandemic. Democratic Gov. Phil Murphy recently proposed a budget that would slash about billion in spending, take on billion in debt and raise taxes on millionaires, businesses, yachts, cigarettes and health insurance plans.Murphy has said the initial federal aid didn’t provide enough “to deal with the variety of tsunamis that we’re facing.”In New York, Democratic Gov. Andrew Cuomo’s administration estimates the state will receive about billion less in tax revenue than once expected this fiscal year. Cuomo, who recently became chairman of the National Governors Association, wants Congress to provide an additional billion to New York to plug budget holes that he warns will compound in coming years.“There is no combination of savings, efficiencies, tax increases that could ever come near covering the deficit,” Cuomo said, “and we need the federal government to assist in doing that. Period.”___Associated Press writers Adam Beam in Sacramento, California; Mike Catalini in Trenton, New Jersey; Bob Christie in Phoenix; Tom Davies in Indianapolis; David Eggert in Lansing, Michigan; Mead Gruver in Cheyenne, Wyoming; Morgan Lee in Santa Fe, New Mexico; Marc Levy in Harrisburg, Pennsylvania; Wilson Ring in Stowe, Vermont; Andrew Taylor in Washington; Andrew Welsh-Huggins in Columbus, Ohio; and Marina Villeneuve in Albany, New York, contributed to this report. 7577

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