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Sometimes physical pain is well worth the emotional relief.For a sex trafficking survivor, who did not want to be identified, getting the tattoo on the back her leg that says “Daddy’s Girl” covered up, the impact goes much further than skin deep. It helps erase the pain from her past.“It feels really good, but it hurts really bad,” she said.Tattoo cover-up sessions like these are organized and paid for by Atlanta Redemption Ink, a nonprofit started by Jessica Lamb.“We work with sex trafficking survivors, former gang members, former self harmers and individuals that are in recovery that have marks from addiction,” Lamb said.Since 2017, Atlanta Redemption Ink has helped hundreds of people cover up marks from their past.Tattoo artists like Crystal Boyd of Pur Ink Tattoos in Alpharetta, Georgia, open their doors and donate their time and talent to become part of this healing process.“It definitely weighs on me,” Boyd said of the tattoo cover-up experiences. “A lot of them do open up and talk to me while I’m tattooing them and it’s hard not to cry.”Many of these recipients say fresh ink gives them a fresh start at life.“I feel like a brand new person not branded with somebody’s name on me,” said the tattoo coverup recipient.With her body once branded with her pimp’s name tattooed across her chest and “Cash Only” written on wrists, this sex trafficking survivor is now confident that these cover-ups will help open up a better life.“That’s me and my son” she said, while pointing out a recent cover-up. “And I got like the universe because he’s like my world; my universe.”She says before Atlanta Redemption Ink, she thought there were only two ways to get out of the sex trafficking industry: jail or deathShe says these new tattoos have given her a new life with a new goal.“I’m going to help girl like me somehow,” she said. “I don’t know how but one day I will.”To donate click here. 1911
Smart homes are here to stay. Many of us now have an Amazon Echo or Google Home and are adding video doorbells, automatic door locks and other automation features.But how can you make sure you are keeping your family safe and not sharing your most private moments with the world?Digital assistants doing more and moreIt all started with Amazon's Echo digital assistant, which in the beginning played music and answered our basic questions.Then along came Google Home, and soon we were using voice assistants to ask who's at the front door, open up the garage and adjust the lights.Now, almost two years later, digital assistants are flying off the shelves at Best Buy, loved by busy moms like Amanda Compton, who we found shopping with her toddler at a Best Buy store."It does a lot of work for you when you have kids," she said. "It kind of helps out a lot."Google vs AmazonThe first thing you'll notice when you are looking at smart home devices is that there are two different universes. You have the option of purchasing Google Home or Amazon's Echo, each selling for around 0 (though simplified models cost less.)Apple recently launched the Home Pod, though is it a bit late to the game and at 0 is much more expensive than the competition. Like the Apple Watch, it appears aimed at a more upscale audience.Each works with its own set of apps and devices, though in the end they are pretty much the same, according to Best Buy's Brian Gibson.Which is better? Gibson says its really just personal choice. All of them will control cameras, your thermostat, smart lights, even smart door locks.How vulnerable are you?But some security experts are sounding the alarm.IT security consultant David Hatter says a vulnerability in one of your devices can let a hacker watch your video cameras, maybe even access your bank account, if they are all on the same WiFi network."If someone can break into your washing machine," Hatter explained, "and then into your door lock, they can potentially break into your house or your bank account."He says many people set up smart devices leaving the default password, which is often as simple as 1-2-3-4."If you just buy a smart thermostat and don't change any of the settings, you're ripe for hacking," he said.He says Echo and Google home units themselves are fairly secure, but it is the peripherals that are more vulnerable.Hatter says to protect yourself: 2435

SOLANA BEACH, Calif. (KGTV) - A woman believed to have caused a crash on northbound Interstate 5 in the Solana Beach area Friday morning ran to the southbound lanes and was struck and killed by an oncoming vehicle. 222
Seven children have died as a result of adenovirus at the Wanaque Center for Nursing and Rehabilitation in Haskell, New Jersey.The Wanaque facility has been "instructed not to admit any new patients until the outbreak ends and they are in full compliance," according to the health department.The timing of the deaths is not clear. The health department was notified of respiratory illness at the center on October 9 and Wanaque sent parents of children at the facility letters about the infection on October 19 according to Nicole Kirgan at the New Jersey Department of Health.On Tuesday the New Jersey Department of Health announced the death of six pediatric residents at the center and the infection of 12 additional residents. Wednesday the department announced an additional pediatric death.The New Jersey Department of Health said it's an ongoing outbreak investigation and workers were at the facility Tuesday. A team at the facility on Sunday found minor handwashing deficiencies. "The Department continues to work very closely with the facility to ensure that all infection control measures are being followed," the Wanaque facility said in a statement Wednesday.The exact ages of the children are not being released to protect patient privacy, Nicole Kirgan, a spokeswoman for the department of health said, adding that the age ranges for the deceased children was "from a toddler through young adults - but most are under 18."Adenoviruses can cause mild to severe illness, though serious illness is less common. People with weakened immune systems or existing respiratory or cardiac disease are at higher risk of developing severe illness from an adenovirus infection, according to the Centers for Disease Control and Prevention.This outbreak, caused by adenovirus type 7, "is affecting medically fragile children with severely compromised immune systems. The strain has been particularly associated with disease in communal living arrangements and can be more severe," according to the health department statement.In a statement Tuesday, the facility said it "promptly notified all appropriate government agencies when the virus was initially identified.""The Wanaque Center continues to fully cooperate with these agencies and has sought out their medical guidance with respect to the virus," the facility said. "As a result, facility staff have diligently implemented all available infection control and prevention measures in order to protect the health and safety of the Wanaque Center's residents."Nurses at the facility had previously reported a shortage of nursing staff and supplies, according to a statement from the union that represents the nursing staff which was posted online Tuesday. The Health Professionals and Allied Employees (HPAE) said the shortages may have led to "poor infection control practices."The union said it represents the 70 nurses that work at the Wanaque Center for Nursing and Rehabilitation.In a review by the government's Centers for Medicare and Medicaid Services the Wanaque Center was awarded an above average ranking in overall quality but was given a below average health inspection rating. Based on an inspection conducted in August, CMS reported that "it was determined that the facility failed to provide a clean and homelike physical environment for their residents. " 3335
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
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