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6 Wild Facts About Life in Alaska’s Darkest Towns (Where the Sun Disappears for 65 Days)

June 19, 2025 By Teri Monroe Leave a Comment

Alaska's darkest towns
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Imagine living in a place where the sun disappears for over two months. In some of Alaska’s northernmost towns, this isn’t just a dramatic idea, it’s reality. During the long polar night, residents face extreme cold, total darkness, and unique challenges that most of us can’t imagine. But life doesn’t stop, it adapts. Here are six wild facts about Alaska’s darkest towns.

1. 65 Days of Darkness Isn’t Total Blackout

Even though the sun doesn’t rise above the horizon for over two months, it’s not pitch black all the time. For a few hours each day, there’s a period of civil twilight. Civil twilight is the period after sunset and before sunrise when the sun is below the horizon, but its geometric center is no more than 6 degrees below the horizon, according to the National Weather Service. During this dim light, it’s just bright enough to see without artificial light. This is when most Alaskans do their daily activities.

2. Mental Health Is Seriously Impacted

Extended darkness can take a toll. Residents often experience Seasonal Affective Disorder (SAD), a form of depression caused by a lack of sunlight. This happens because your circadian rhythm changes, and serotonin and melatonin levels drop. Many people use light therapy lamps and vitamin D supplements to cope.

3. Wildlife Encounters Get Riskier

Polar bears and other animals may venture closer to town during the long night. With reduced visibility, polar bear patrols are often deployed to help keep residents safe from surprise encounters. Polar bears normally only attack if they are hungry or feel threatened. However, climate change is impacting their habitats and food sources, making polar bears more vulnerable.

4. Daily Life Keeps Moving

Despite the darkness, schools stay open, people go to work, and life goes on. Kids even go outside for recess, in full winter gear, in temperatures below -20°F. Sometimes children go outside under floodlights if needed. While this lifestyle isn’t for everyone, Alaskans are used to it.

5. Traditional Foods Become Lifelines

With limited access to fresh produce in winter, many residents rely on subsistence hunting and traditional foods like seal, whale, and caribou. Staples like fried bread have also become essential pantry-friendly dishes. These foods provide vital nutrients and connect people to their heritage. These traditional meals aren’t just about survival; they’re a way of life passed down through generations. In many Arctic communities, sharing and preparing these foods strengthens family bonds and cultural identity.

6. They Celebrate the Darkness and Its Return

Communities hold festivals and events during the polar night. But one of the biggest celebrations happens at sunrise, when the sun finally returns after its 65-day absence. Locals often gather outdoors to cheer the sun’s first rays. The return of sunlight is more than just a natural event—it’s a deeply emotional and spiritual moment. For many, it symbolizes hope, renewal, and the resilience of life in the Arctic.

Celebrating Darkness in Alaska’s Darkest Towns

Life in Alaska’s darkest towns is unlike anywhere else in the world. From surviving months without sunlight to embracing centuries-old traditions, residents show remarkable strength, adaptability, and community spirit. These wild facts offer a glimpse into how people not only endure the darkness—but find ways to celebrate it.

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Filed Under: Lifestyle Tagged With: Alaska, Alaska's darkest towns, life in Alaska

8 Lies About Your Credit Report You Need to Stop Believing

June 17, 2025 By Teri Monroe Leave a Comment

credit score myths
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For many, credit reports and credit scores are a mystery. There are so many misconceptions surrounding credit that we often believe things that are far from the truth. It’s important to debunk these lies so that you can improve your financial outlook and not make costly mistakes. Here are 8 common lies about your credit report that many people believe, and why you should stop falling for them. With the right knowledge, you can get your credit report on the right track.

1. “Checking your own credit hurts your score.”

Pulling your own credit report is considered a soft inquiry, which does not affect your credit score. In fact, it’s a smart habit to check your credit regularly. If there are any errors, you’ll want to know immediately. Plus, regularly monitoring your report can help you make adjustments to things like your credit card spending habits, if it is bringing down your score. Be aware that hard inquiries, like applying for a new credit card, will show on your credit report and affect your score.

2. “You only have one credit report.”

There are three major credit bureaus (Equifax, Experian, and TransUnion), and each may have slightly different information. You have three credit reports, not just one. While your score probably won’t fluctuate significantly among the credit bureaus, it’s important to monitor all three. You can choose a credit monitoring service that pulls all your reports.

3. “Your report and credit score are the same thing.”

Your credit report is a record of your credit history. Your credit score is a numerical value based on that report. They’re closely related, but not the same. Both are used when you apply for credit cards or loans. Your credit score and report demonstrate your creditworthiness to lenders.

4. “Paying off a debt removes it from your report.”

Even after paying off a debt, it can remain on your report for up to 7 years if it was negative (like a late payment or collection). Positive accounts may remain longer. While it may seem hard to recover from a derogatory mark on your credit report, it will fall off in time. In the meantime, you can rebuild your credit by making on-time payments and keeping your credit utilization low. Over time, positive activity will help outweigh past negatives in your credit profile.

5. “Closing a credit card helps your credit.”

Closing a card can hurt your score by reducing your available credit. This can raise your credit utilization ratio. It can also potentially shorten your credit history. The number of closed accounts will appear on your credit report. Lenders often prefer to see long-standing accounts that demonstrate responsible credit use over time. Unless there’s an annual fee or another strong reason, keeping the account open is usually better for your score.

6. “You can’t fix credit report errors.”

You can and should dispute errors. Credit bureaus are legally required to investigate disputes and correct any inaccuracies under the Fair Credit Reporting Act (FCRA). If you suspect a discrepancy, you can file a report with that credit bureau. You can also submit supporting documentation to strengthen your case. Correcting these mistakes can significantly boost your credit score and improve your financial opportunities.

7. “You must carry a balance to build credit.”

You do not need to carry a balance or pay interest to build your credit. Simply using your credit card and paying it off on time is enough to build good credit. In fact, you should pay off your cards every billing cycle to avoid paying interest and lower your credit utilization and revolving balances. This ultimately can improve your score. Carrying a balance only leads to unnecessary interest charges without offering any credit-building advantage.

8. “Your income is listed on your credit report.”

Your income is not part of your credit report. Lenders might ask for income during applications, but it’s not something the credit bureaus track. If you have a higher income, you may get a bigger credit limit or be approved for a larger loan. But nowhere on your report does your income show.

Debunking Credit Report Myths

Believing myths about your credit can cost you money, opportunities, and peace of mind. Understanding the truth empowers you to take control of your financial health. By debunking these common lies, you can make smarter credit decisions, protect your score, and build a stronger financial future. Don’t let misinformation hold you back — stay informed, check your reports regularly, and take action when needed. Your credit is one of your most powerful financial tools — treat it that way.

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7 Bizarre Texas Marriage Laws (Including One Where You Don’t Even Have to Show Up)

Filed Under: General Finance Tagged With: credit report, credit report lies, Credit Score

7 Bizarre Texas Marriage Laws (Including One Where You Don’t Even Have to Show Up)

June 12, 2025 By Teri Monroe Leave a Comment

weird marriage laws in Texas
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Do you live in Texas? Some of the laws surrounding marriage in the Lone Star State are nothing short of bizarre. Here are seven Texas marriage laws that will make you scratch your head in confusion. Believe it or not, some of these laws are still on the books, even if they’re rarely enforced. From handshake weddings to marriage by proxy, Texas has its fair share of legal quirks. Whether you’re a native or just curious, these laws might just surprise you.

1. Common Law Marriage

Texas is one of the states that recognizes common law marriage. So, if you and your partner live together and represent yourself as married, you don’t even need a ceremony in Texas. Couples can register their common-law marriage by filing a Declaration of Informal Marriage with the county clerk. This includes same-sex couples. You may need to provide documents like tax returns or lease agreements to prove a common law marriage.

2. Marriage by Proxy

Imagine not having to show up to your own wedding. In Texas, one person can stand in for another during a marriage ceremony if one party is unable to attend due to military service or incarceration. That means someone can legally get married without being physically present. The person appointed must be an adult and can’t be the other person they are marrying.

3. Marriage Between In-Laws Is Prohibited

Texas law prohibits marriage between individuals and their parents-in-law, stepchildren, and siblings-in-law. Even if there’s no biological relation, these unions are off-limits. This prohibited union falls under Texas family code. The marriage will be considered void. It will be like the marriage never happened in the eyes of the law.

4. Underage Marriage Was Legal With Parental Consent (Until Recently)

Texas used to allow minors as young as 14 to marry with a judge’s permission. The law changed in 2017. Now you must be at least 18. You can get married at 16-17 with court approval, not just parental consent. This loophole only is if the persons under 18 are legally emancipated.

5. You Can Marry Your First Cousin—If You Already Did in Another State

Texas law prohibits first cousin marriages. In fact, it is illegal and is a criminal offense. Alabama, California, and Vermont are some of the states in the United States with no prohibitions against first-cousin marriages. If you were legally married to your cousin in a state that allows it, Texas will recognize your marriage. It’s an odd legal loophole that causes confusion for relocating families.

6. Officiants Don’t Need to Register

Unlike some states that require officiants to register with a court or clerk, Texas doesn’t require any registration. That means almost anyone who is ordained can legally marry you, no questions asked. This has led to some creative weddings officiated by friends, family members, or even online-ordained ministers. While this flexibility makes it easy to find someone to perform the ceremony, it also means it’s important to confirm the officiant’s authority before your big day.

7. You Have 90 Days to Use a Marriage License

Once you get your license, you have exactly 90 days to tie the knot. If you don’t, you’ll need to start over with a new application. Forgetting this step can lead to an awkward legal surprise. This time limit ensures that your marriage is based on a recent intent to wed. So, don’t delay. Plan your ceremony within that window to keep everything valid.

Weird Marriage Laws in Texas

Marriage laws in Texas are a mix of old traditions, legal quirks, and modern flexibility. While some of these rules might make you laugh, or scratch your head, they reflect the state’s unique legal history and evolving social norms. Whether you’re planning a wedding, considering common-law marriage, or just curious about what’s legally allowed, it’s always smart to know the law. After all, in Texas, getting married can be as simple as a handshake or as complicated as a courtroom.

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Filed Under: marriage and finance Tagged With: bizarre marriage laws in Texas, marriage laws in Texas, weird marriage laws

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