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In general, using as little of your credit card limits as possible is better for your score. So logic would suggest that paying off your credit cards early so that a zero balance is reported to the credit bureaus would produce the highest scores, right?Turns out, having 1% of your credit limits in use may help your credit score even more than showing 0% usage. Counterintuitive as it is, that’s how credit scoring works.Why 1% is better than 0%Credit scoring systems are designed to predict how likely you are to repay borrowed money. The two biggest credit factors — accounting for about two-thirds of your score — are paying on time and the amount you owe.Credit utilization, or the percentage of your credit card limits you use, is one of the biggest levers you can pull to affect your score, and it works quickly: Your utilization changes as soon as card issuers report your new balances to the credit bureaus each month.If you are trying to squeeze every possible point from credit utilization, the trick is to aim low — just above zero. Credit expert John Ulzheimer says that data has shown that 1% credit utilization predicts slightly less risk than 0%, and scoring models reflect that.Tommy Lee, principal scientist at FICO, one of the two dominant credit scores, explains it this way: “Having a low utilization indicates you are using credit in a responsible manner.”How to shoot for 1%If you’re aiming for a perfect 850, or are close to qualifying for a lower interest rate on a loan, shooting for 1% might help you gain a few points. You could aim to zero out your credit cards, knowing that your regular use of the cards will keep some small percentage of your limit in use.Ulzheimer, who has worked for credit bureau Equifax and credit scoring company FICO, explains how: “If you can pay off your balance in full by the statement closing date, then you’ll get a statement with a zero balance and that’s what will appear on your credit reports.” Or, you can pay off a card in full by the due date and stop using the card entirely for the next billing cycle to get to a zero balance.“But 1% could be better if you can pull it off,” Ulzheimer says.You could do that by using the AZEO (all zeros except one) strategy to get every credit card but one to a zero balance. Because credit utilization is calculated both overall and per card, you may want to use your highest-limit card as the one that will have a statement balance. Simply add all your credit limits together, and figure 1% of that.You can also try paying online as soon as a transaction posts to keep the balance low. Or, use a personal finance website or your card issuer website to check your credit utilization weekly. Then make a payment to bring it down, rather than waiting for your monthly statement.What if I can’t make it to 1%Keeping utilization under 10% is another worthy goal. Lee says that the top 25% of FICO credit scorers use about 7% of their credit limits. If you pay on time and keep balances low relative to credit limits, your scores will generally be high.Ulzheimer points out that if you are fretting over whether you want a credit utilization of 1% or 0%, it’s worth noting that either is excellent. And it’s entirely possible to score a perfect 850 without the elusive 1%. How that works is part of the “secret sauce” that scoring companies do not reveal.How to get and keep a high scoreNothing is more important to your score than paying bills on time. The scoring penalty for a missed payment is severe, and a payment that’s 30 or more days late can stay on your credit report for up to seven years.Also, use cards lightly and keep balances low to keep your credit utilization low.In addition, keep an eye on the other factors affecting your credit score:Check your credit reports for errors (you can access them by using AnnualCreditReport.com).Keep credit card accounts open.Aim to space credit applications about six months apart.Use both installment credit (loans with level monthly payments) and credit cards.And monitor your credit — regular checkups are part of staying financially healthy.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletWhat to Do When Your 0 Weekly Unemployment Check ExpiresIs That ‘Contact Tracer’ Really a Scammer? How to TellWhat to Do With Your ‘Treasures’ the Kids Don’t WantBev O’Shea is a writer at NerdWallet. Email: boshea@nerdwallet.com. Twitter: @BeverlyOShea. 4475

Is it safe to get together for the holidays? As Thanksgiving approaches, many people are having those discussions, and many are desperate to not only see family, but to travel.Zane Kerby, President and CEO of the American Society of Travel Advisors said, “People are itching to get out there.”The nonprofit organization represents 15,000 travel advisers across the U.S. They often poll consumers and recently learned that people are craving a change of scenery.“People have said, 'You know what? I want to go five, six, seven hours away,'” Kerby said. “They want to do that aspirational trip that they’ve been thinking about before the pandemic and now they really want to do it.”And they're talking about Thanksgiving and wondering whether they should drive or fly.“We asked people point blank what are you going to do for Thanksgiving?” Kerby said. “We’re encouraged, only 15% who normally travel said they weren’t sure they were going to fly this year. Kerby said that there is pent up demand for travel, and there is optimism in the industry.But, if you're talking about getting together, doctors stress that you do so safely.“All of these decisions are weighing risks and benefits and I wish I had a crystal ball,” said Dr. Beth Thielen, an assistant professor of pediatrics at The University of Minnesota Medical School. Dr. Thielen also is an infectious disease doctor. “I wish I could tell you what’s going to happen but I can’t, but I can tell you riskier things and safer things and appreciate that even the most precautions don’t eliminate your risk either.”“I think identifying if you or someone you’re hoping to gather with has those underlying conditions, that you maybe need to be extra cautious about preventing exposures,” she added.Of course, everyone wants to get together and realizes the importance of family.Dr. Thielen advises to limit the number of people, assess your own risk and that of those whom you're considering visiting. She recommends thinking about limiting your exposure to other people in the weeks before you travel.“All of these infections have an incubation period,” Thielen said. “You’re exposed to somebody with the infection taking root but not manifesting itself or detectable by testing for COVID. It’s a few days a week or so before that exposure happens.”We're learning a lot about COVID-19. We know outside is better. Masks are important. And we now know it affects people differently.Kerby said if you're considering flying, know that the industry is taking extreme precautions for travelers.“Between the HEPA filters they use on planes, electrostatic and defogging they're doing after every flight, the air on an airplane is probably better than the air in your home,” Kerby said.While there is a lot of discussion to be had about the holidays and travel, if you can do it safely, everyone wins. 2853

Interior Department Secretary Ryan Zinke signed an order Friday morning aiming to expand access for hunters and fishers to public lands and monuments.In what is being described as an "expansive" secretarial order, Zinke's rule would ultimately allow broader access across the board to hunters and fishers on public lands managed by the Interior Department, according to the order.A section of the order also amends the national monument management plan to include or expand hunting and fishing opportunities to the "extent practicable under the law."The order cites a 2007 executive order from President George W. Bush to "facilitate the expansion and enhancement of hunting opportunities and the management of game species and their habitat." It directs agencies to to create a report and plan to streamline how best to enhance and expand access to hunting and fishing on public lands.The Interior Department oversees national parks, wildlife refuges and other federal lands.The secretarial order also aims to expand educational outreach for hunting and fishing to "under served" communities such as minorities and veterans as well as increase volunteer access to federal lands."Today's secretarial order is the latest example of how the Trump administration is actively moving to support hunting and other forms of outdoor recreation on public lands," Zinke said in a statement."Hunting and fishing is a cornerstone of the American tradition and hunters and fishers of America are the backbone of land and wildlife conservation," he said.Interior said Obama administration policies were too restrictive."Through management plans made under the previous administration, which did not appreciate access to hunting and target shooting like this administration does, access and usage has been restricted," said Interior spokeswoman Heather Swift.Zinke's rule will not have to go through a formal rule-making process.It is the second major action from Interior in the last few weeks.In August, Zinke recommended shrinking the boundaries of a handful of national monuments, but stopped short of suggesting the elimination of any federal designations following a review ordered by President Donald Trump.At Trump's direction, Zinke earlier this year launched a review of 27 national monuments, a controversial move that could undo protections for millions of acres of federal lands, as well as limits on oil and gas or other energy production. Interior and the White House have so far resisted releasing the contents of Zinke's full recommendations. 2552

In the wake of COVID-19, doctors officers switched to treatment through telehealth to keep patients safe. For addicts and recovering addicts, the idea of getting help though virtual connections was a little different.“I’ve continually gone to meetings for 39 years, and now all of a sudden I’m not going to meetings,” Kathleen Gargan said. She’s been sober since 1981. “Thirty-nine years. I’m very lucky.”She has been going to meetings with different recovery groups for decades.“I think that's what’s kept me sober all this time is continually going to meetings and being reminded of what my life was like when I drank,” she explained. Most recently through LifeRing, a peer-to-peer support organization.For the last few months, group meetings have been mostly non-existent. The COVID-19 pandemic forced support groups to move online, which has its pros and cons.“It has made treatment available to some people who otherwise wouldn't be able to get it because they're in rural areas or far away, but it is lacking some of that in person interaction, accountability,” Doctor Christian Hopfer, an addiction psychiatrist, said. He is with the UCHealth Center for Dependency, Addiction and Rehabilitation in Colorado. “A lot of the treatment is connecting with other people in person.”Quarantinis, virtual happy hours, physical isolation. Market research firm Nielsen found that in-store alcohol sales growth for the week of March 31 spiked 54 percent compared to the year before. For the entire month of April, online alcohol sales were up 400 percent or more compared to the same time in 2019.“We have patients who lost their jobs, were at home, and just started drinking all day,” Dr. Hopfer said. He said he’s even had some patients show up to virtual sessions intoxicated.Still -- he says virtual support is better than no support.“We felt having a telemedicine option was incredibly important to people. Both for people who live in an area where they don't have resources available for addiction treatment, but also for people who have busy lives,” Doctor Abe Malkin, a Medical Advisor for Monument, said.Monument is a new platform aimed at connecting patients to doctors.“Initially, the founder Mike Russell created Monument through his own journey to change his relationship with alcohol,” Dr. Malkin said. “Due to the pandemic and to social distancing and stay-at-home orders, people have had to deal with increasing anxiety, feelings of isolation, which have further triggered relapses in the community.”Monument doesn’t replace the detox process, but it works for those looking for a treatment center, a doctor to connect with, or for peer support.“We’re really trying to make this more welcoming, more inviting to people. Something they can feel that they’re part of a community without having to depart from their normal daily routines,” Dr. Malkin said.Even with new platforms to help with connection, Gargan says nothing beats in-person interaction.“Since we have the Zoom meetings, they feel great about it, they don't have to get out of their pajamas ….and they don't have to drive anywhere,” she said. “Face to face experience is, in general, richer.” 3174

It looked down over Celina, Tennessee like a watchful eye, and for decades, Cumberland River Hospital provided a sense of security for this struggling rural county.But now, the hospital sits empty and dark; its hallways filled with silence. The death of this county’s only hospital has thrust this place into darkness, and dozens more like it across the country are potentially about to suffer the same fate.“We are seeing a huge divide in healthcare among Americans,” explained Johnny Presley, the owner of this small rural hospital.Hospitals across the country are struggling now more than ever, as patients are still avoiding elective surgeries because of COVID-19. Those are the bread and butter of most hospital's bottom line.In Celina, Tennessee, a town of about 1,400 people, the hospital also served as the county’s biggest employer. Presley spent months fighting with Medicare for reimbursement payments until he was finally forced to close the emergency room.He’s poured million of his own money into the hospital in an attempt to save its life.“When people can’t live in the rural communities they grew up in without access to healthcare, it’s almost like you’re in a prison,” he said.The cruel irony of a hospital closing in the middle of a pandemic is not lost on anyone who lives in this or any other rural community in America. At this hospital alone, they were able to stabilize or save more than a dozen COVID-19 patients over the past few months. Patients that now will be forced to drive more than an hour for care to the next closest emergency room.“So, many people are going to die. They’re gonna die because they don’t get the emergency care they need,” said Stephen Headrick, who lives in Celina and has relied on this emergency room countless times over the years.Since 2005, a staggering 174 rural hospitals have shut down nationwide. Fifteen of those closures happened this year alone, leaving a vacuum of care in their absence. Texas and Tennessee lead the nation in hospital closures.By the end of this year, hospitals across the country are expected to lose more than 0 billion, a staggering statistic that ripples far beyond the walls of any emergency room.When Cumberland River closed, nearly 100 doctors, nurses and staff were let go. By some estimates, 2020 may end up claiming the lives of nearly 200 more hospitals.“To keep our hospitals open during this pandemic, the government has to intervene,” Presley explained.With federal aid, Presley could reopen the hospital tomorrow, but so far, his pleas to politicians have gone unanswered.“I think it’s just a travesty that this country is going through. This country is so polarized that the most basic human needs of food and healthcare are being overlooked,” he said.Rural lifelines are on life support as American lives hang in the balance. 2841

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