Face it, America, we are not being very smart about our credit. We are paying billions in penalty fees. We are spending more money than we make. We don't even know our own interest rates or credit scores. And the country as a whole is almost a trillion dollars in credit card debt.
So how do we fix it? For starters, it is time to start monitoring our credit for mistakes, to make sure we aren't paying higher interest rates for no reason. We need to start looking for credit cards with lower APRs and penalties, such as most balance transfer credit cards that offer an introductory period of zero percent APR, so we can start paying off that trillion dollars. And we need to stop using our credit cards as extra income that we don't have and start using them as tool that works hand and hand with our income.
Check out the graphic below to see what mistakes you might be making with your credit and how you can go about fixing those mistakes.
How to vote
Vote-by-mail ballot request deadline: Varies by state
For the Nov 3 election: States are making it easier for citizens to vote absentee by mail this year due to the coronavirus. Each state has its own rules for mail-in absentee voting. Visit your state election office website to find out if you can vote by mail.Get more information
In-person early voting dates: Varies by state
Sometimes circumstances make it hard or impossible for you to vote on Election Day. But your state may let you vote during a designated early voting period. You don't need an excuse to vote early. Visit your state election office website to find out whether they offer early voting.My Election Office
General Election: Nov 3, 2020
Polling hours on Election Day: Varies by state/localityMy Polling Place