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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

in the form of scholarship vouchers.Cathedral High School announced Sunday it fired a teacher who is in a same-sex marriage after the Archdiocese of Indianapolis threatened to revoke the school's official Catholic status and its financial support.According to the Indiana Department of Education, Cathedral received ,136,258.73 last school year in public money through the Indiana Choice Scholarship Program. How the Program WorksThe Indiana Choice Scholarship Program provides state money to offset tuition costs at schools across Indiana. To qualify, students must live in Indiana and be ages 5-22. There are then eight different options, or "tracks" a student can qualified for, depending on various measurements. For example, there is a sibling track, meaning a student's brother or sister received a scholarship the previous year.A family's income level is also a factor when determining who gets the scholarship money. But the specific school is responsible for determining eligibility. The amount the student receives to attend the school is based on a state-created funding formula, but it could be as much as the school's tuition and fees.The money technically goes to each student's family, but it's tied to a specific school. If the student stops going to that school, they can't use the scholarship money at a different school. The schools participating in the program may not discriminate against a student based on race, color or national origin.Cathedral, Brebeuf Jesuit and RoncalliA few days before Cathedral's announcement, Brebeuf Jesuit Preparatory School was faced with the same option — fire its teacher in a same-sex marriage or lose its Catholic classification. Brebeuf Jesuit chose the latter."We really just tried to look at it in terms of our community," Brebeuf Jesuit principal Greg VanSlambrook said. "Our decision trying to do the right thing by our teacher and by our community."After the school's decision, it can no longer use the name "Catholic," and will no longer be identified or recognized as a Catholic institution.Both Cathedral and Brebeuf Jesuit are in the Indiana Choice Scholarship Program, meaning they get money from the state to accept the lower-income students.Over the last three school years, Cathedral has received ,457,077.31 in scholarship vouchers from the state, according to data provided by the Indiana Department of Education. Over that same timeframe, Brebeuf Jesuit has received ,137,056.03 in scholarship vouchers.Last year, Roncalli High School placed its guidance counselor on administrative leave after it was discovered she was in a same-sex marriage.Backlash from State LawmakersThere is no mechanism in place to stop Cathedral from receiving public money. Two Democratic Indianapolis state lawmakers, one in each chamber, tried during the last session. Rep. Dan Forestal and Sen. J.D. Ford have pushed to include language in state law that would prevent voucher money from going to schools that discriminate against a staff member based on their sexuality, gender identity, race and many other factors.In Ford's bill, schools in the program would have to annually submit copies of teachers' contracts or other documentation, to prove they're not discriminating. His bill died without getting a hearing. Ford said he was told it was a busy session and the bill didn't meet the priorities of the Committee on Education and Career Development."People are talking about it," Ford said. "My constituents are talking about it, which means I have to talk about it."Both lawmakers have a personal stake in what's happened with these Indianapolis schools. Forestal is a Roncalli alumnus and Ford is the first openly LGBTQ state lawmaker."I think I have a duty to speak up on behalf of the folks this is happening to," Ford said.He also introduced an amendment into the state budget, to essentially do the same as the bill would've. But the amendment was defeated. Ford also said schools that don't receive public money can do what they want, but things change when state funding gets involved."If you are going to do that, that's fine, I'm still going to have an issue with it," Ford said. "It just wouldn't be in my purview as a state legislator. If you want to go ahead and raise the funds and that's what you want to do. … But because of the fact that they are receiving public, taxpayer dollars that come directly from the state budget, that's where I have an issue with that."Ford said he will continue to push the issue in the 2020 legislative session, potentially introducing a similar bill.This story was originally published by Matt McKInney on 4621

early Sunday morning.Police say Harold Treadwell III was on duty when a gunman shot a bullet into his car. It's unclear how far he drove before he swerved across the median and crashed his car."We don't know much more than he suffered a gunshot wound and died," Sgt. Maggie Cox said. "We are really depending on anybody that we have not already talked to call us."Investigators did not say the shooting was random, but they also said there is no indication that Treadwell was targeted or that anything led up to the gunfire.Treadwell was originally from Indiana and moved to Arizona in 2003. According to a Facebook post by his wife, Frances, the couple was celebrating their 52nd wedding anniversary Sunday."Today is our 52nd wedding anniversary and we spoke right before he was killed and wished each other a HAPPY ANNIVERSARY (thank you God for allowing me to have that last conversation with him so I could tell him that I loved him!)" Frances Treadwell wrote, according to a 982

ahead of the 2020 census.The In-Field Address Canvassing jobs are temporary, and the Census Bureau says things get underway in August. What are the jobs like?"This is the process of having field staff visit specific geographic areas to identify every place where people live or could live," 293

"We just call this baby by her mother's name or her dam's name, and so her dam's named Foolish Ways. So how we don't get that mixed up, his mom only has one per year, so Foolish Ways 2020 would be what we call her. So, Foolish Ways 20," said Taylor Made Farm Experience Director Laura Richard. The filly will receive her real name by her owner. Even though she was born on Jan. 5, the Jockey Club says she was actually born January 1."The Jockey Club deems that all thoroughbred racehorses registered through them have a Jan. 1 birthday, no matter if you're born in March, or yesterday," explained Richard. "So, why that is, is I think about races, big races like the Kentucky Derby. That's a 3-year-old race, so if you had a baby born, say, in November, that baby wouldn't be very competitive." With the goal of most thoroughbreds to be race-eligible, the horse industry takes breeding very seriously. "Mares are seasonal breeders, they need about 16 hours of light to start cycling so that they're ready for the shed February 14. Where the birthday of fouls – of thoroughbred fouls is January 1. We have to start breeding by February 14, and it's usually earlier requires we usually cycle, March, April is when they actually start," said Couture. Anyone can visit the new filly at Taylor Made Farm and dozens of other farms across the Bluegrass."There's 32 farms within horse country. If you haven't heard about that before, it's kind of like the bourbon trail but for horses. And we would be so excited if you guys would come visit us. Our filly would love to see you all. And you can get your tickets anytime you'd like for us or any of the other farms at 1662