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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

Your friends are getting married, and then they pop a question to you: Will you officiate at the wedding?Leading a marriage ceremony is an honor, and you don’t have to be a professional. Plus, it’s becoming more common for couples to look to their inner circles for wedding officiants. About 47% of couples had a friend or family member officiate at their wedding in 2017, up from 29% in 2009, according to online wedding-planning marketplace The Knot.But make sure you know what’s expected as an officiant. Here’s an overview with some expert advice and my own experience. 581

but Abigail Williams, Liberty German and the man who murdered them. February 13, 2017:Abby and Libby were dropped off at the trail near Delphi’s scenic Monon High Bridge, an abandoned railroad bridge over Deer Creek. Hours later, when they failed to meet their ride home at that same location it would kick off a series of events that would forever change the tiny town of Delphi, Indiana. Despite having a video, audio and two sketches from potential witnesses in the area, investigators have yet to find the man responsible for their murders. "(We) thought we were going to get the clues that we needed and be done with this in four or five days," Indiana State Police (ISP) Detective Jerry Holeman told WRTV in 2019. "We realized that this is a totally different type of investigation.”But a killer is still out there. ISP Sgt. Kim Riley says investigators have interviewed over 1,000 people, including possible witnesses, suspects and anyone who may have information about suspicious activity on the day the girls went missing. To this day, he says between six and eight people work on Abby and Libby's case each day throughout the week. But despite all of the evidence released to the public, investigators have always been open about the fact that they are holding some of it close to their vests with the goal of having information that only the killer would know when they finally arrest him. Three years in, here's everything we know about the investigation into the murders of Abby and Libby: 1506

It said:“Recent news articles reporting statements by Chris Wiest, the plaintiffs’ attorney, downplaying the dangers of the chickenpox virus are alarming and disappointing. Wiest’s comments are dismissive of the severity of this virus, and his recent announcement that he is advising his clients to actively contract the virus so that they can become individually immune to it is deeply concerning to the Northern Kentucky Health Department.“This is clearly not appropriate medical advice, according to physicians and infectious disease experts. Chickenpox, also known as varicella, is an acute infectious disease. When introduced in an unvaccinated population, the virus can rapidly spread, causing serious, even deadly consequences, to people who are particularly at risk, such as infants, adolescents, pregnant women, and adults and children with weakened immune systems, including those receiving cancer treatment."While the tactic Wiest suggests may provide an individual with future immunity from chickenpox, this infected person can easily spread the virus to other, unsuspecting people, including those particularly vulnerable to this potentially life-threatening infection."Encouraging the spread of an acute infectious disease in a community demonstrates a callous disregard for the health and safety of friends, family, neighbors, and unsuspecting members of the general public. A person who has contracted chickenpox can be infectious for up to 2 days before experiencing the rash that is associated with the virus. Control measures, such as restricted school attendance, participation in extracurricular activities, and instructing those who have symptoms to avoid contact with others, are designed to prevent unvaccinated people who have been exposed to the virus from infecting members of the general public while they are infectious."The Northern Kentucky Health Department has and will continue to follow the established medical guidance of the Centers for Disease Control and Prevention and other nationally acclaimed experts in infectious disease control in responding to the chickenpox outbreak among Assumption Academy students. Our first concern is always protection of the public health and implementing reasonable, medically-approved control measures that are designed to safeguard our region’s population, including those who are most vulnerable to the threat of infectious disease." 2411

is reporting. Zimmerman's suit claims he was defamed by Sen. Elizabeth Warren and Mayor Pete Buttigieg two weeks ago on the anniversary of Martin's death. The suit is seeking 5 million in damages. NBC reported the suit claims that Warren and Buttigieg "defamed Zimmerman for political gain in misguided and malicious attempts to bolster their standings amongst African-American voters, all at Zimmerman’s expense.”Warren retweeted photos of Martin, and added, "My heart goes out to @SybrinaFulton and Trayvon's family and friends. He should still be with us today. We need to end gun violence and racism. And we need to build a world where all of our children—especially young Black boys—can grow up safe and free."Buttigieg's Feb. 5 tweet said "Trayvon Martin would have been 25 today. How many 25th birthdays have been stolen from us by white supremacy, gun violence, prejudice, and fear? 895