It’s not all about the money — it’s how the unpaid bills mess with the rest of your life.by: Lindsay Konsko, NerdWalletPersonal finance experts remain divided on whether using credit cards is a good idea, but the verdict on credit card debt is clear: It’s bad, and eliminating it should be a top priority. The talking heads usually use financial facts and figures to back up their advice, arguing that credit card debt is expensive and damaging to our FICO scores.All this is true, but credit card debt is also harmful in nonfinancial ways. For instance:1. It’s depressing.Most people agree that credit card debt is a drag, but it turns out it may actually be contributing to a clinical mood disorder for some. A 2015 study published in the Journal of Family and Economic Issues establishes a link between unsecured, short-term debt (like credit card debt) and symptoms of depression. This association was especially strong for the following subgroups:People between the ages of 51 and 64People with no postsecondary educationPeople who were not “stably married” during the time of the studyEven if you don’t fall into one of these categories, paying off credit card debt could improve your emotional state. If financial factors don’t motivate you to bring down your balance, let the prospect of a little extra cheerfulness be your driving force. continue reading » 9SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
By Jeremy FoxOSKALOOSA, Iowa (July 6) – Early morning rains left the track and speedway grounds too wet to race night two of the Budweiser and Musco Lighting Stock Car Shootout at Southern Iowa SpeedwayAs a result, the second night has been postponed to Wednesday, July 20. There will be a buy-in for new IMCA Sunoco Stock Cars, Karl Chevrolet Northern SportMods, IMCA Sunoco Hobby Stocks and Mach-1 Sport Compacts that night.Also on the Southern Iowa Fair card are Xtreme Motor Sports IMCA Modifieds following the Hawkeye Dirt Tour.Bill and Ray’s will sponsor any new driver on July 20 who did not race Tuesday and pay their pit pass in the Stock Car, SportMod, Hobby Stock and Sport Compact divisions.The top eight in points from last night are locked in and will run a dash during the fair. Meanwhile any car that ran Tuesday night plus new cars will race heats and “B” features to qualify for the main event.The Lee County Speedway portion of the Shootout is on for Thursday. Also racing are the IMCA Modifieds, IMCA Northern SportMods and IMCA Sport Compacts, plus Lee County Late Models and 305 Sprints. Hot laps are at 7 p.m. and racing is at 7:30 p.m.The top 20 cars from the Osky and Lee County features, as determined by points, will run a $1,000 to win, winner-take-all event on July 20.
Although winning a maiden at Dundalk only 15 days earlier, the 5-1 shot put himself in the Investec Derby picture when grinding out victory in the extended one-mile-three-furlong contest to continue O’Brien’s recent domination of Classic trials. Settled out the back early on by Ryan Moore, the son of High Chaparral gradually warmed to his task, joining long-time leader Magic Dancer on the run down to the final furlong and although taking time to assert, eventually getting the better of the battle to score by a length and a quarter. Press Association Aidan O’Brien secured a fourth victory in the betfred.com Derby Trial Stakes as Kilimanjaro came from off the pace to win the Listed event at Lingfield. Odds-on favourite Christophermarlowe, in the same colours as the winner, held every chance entering the closing stages, but his challenge was brief and he faded away tamely. Following the race both Betfred and Paddy Power cut Kilimanjaro’s odds to 20-1 for the Epsom Classic on June 6. Paul Smith, for the winning Coolmore owners, said: “That was really good. He’s progressing all the time. He settled beautifully and he is learning the job quite quickly. “When he hit the front he had a little look around. He’s got a very nice attitude and I suppose he’s in the Derby picture now. He’s a trier, which is important.” Moore added: “He’s done it nicely and we just took our time. I settled him out the back. He had a lot to do turning for home, but he steadily picked up and he was a bit idle when he got to the front. “He only won a maiden a couple of weeks ago and it’s all happening quite fast for him. He’s a nice, progressive colt and he’s improving in leaps and bounds. “To make up that ground in the straight at Lingfield, it’s not an easy place to do that.” John Gosden was quick to suggest that the easier ground was the reason behind the surprise defeat of Christophermarlowe, who was eased out to 33-1 by Betfred for the Investec Derby. The Newmarket handler said: “He was never going on the ground. As he’s by Tapit, he wants it fast and the ground was too dead for him today.”