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INDIANAPOLIS -- A guidance counselor at Roncalli High School in Indianapolis says she's been given a choice to resign or 'dissolve' her marriage after she claims school administrators were told that she is married to another woman.In a message posted to Facebook, Shelly Fitzgerald says that she has had to "hide her 22-year relationship" with someone who she loves and parents with.The post goes on to say: 415

In yet another distressing milestone amid the COVID-19 pandemic, more than 1 million people globally have now died of the virus, according to a database kept by Johns Hopkins.The planet passed the milestone Monday, about nine months after the new disease was first identified in Wuhan, China.Around the world, more than 33 million people are confirmed to have contracted the virus. The planet reached the 1 million deaths threshold just days after the United States recorded its 200,000th death linked to the virus — a rate that continues to lead the world. The U.S. also leads all other countries with more than 7 million confirmed cases of COVID-19.With 142,000 fatalities, Brazil is the only other country with more than 100,000 COVID-19 deaths. Other countries with high death tolls include India (about 96,000), Mexico (76,077) and the United Kingdom (42,077).The U.S., India (about 6 million), Brazil (about 5 million) and Russia (about 1 million) lead the world with the most confirmed cases of the virus.Worldwide, COVID-19 is spreading at the highest rates since the pandemic began. On Thursday alone, about 361,000 people were confirmed to have contracted the virus — by far the most daily confirmed cases on record.Deaths have largely held consistent since the summer months.Public health officials urge people around the world to continue to wear masks, avoid crowds, stay six feet apart from others and opt for outdoor activities over indoor activities ahead of the winter months. With winter approaching in the northern hemisphere, officials are bracing for a spike in cases as people move indoors, where the virus is more likely to spread. 1662

It is only 9 in the morning, but the sun in Little Rock, Arkansas is beating down on the pavement as it does this time of the year.It is uncomfortably muggy, so 78-year-old Elizabeth Eckford elects to walk in the shadows of the trees that line Central High School.It is a place she’s grown comfortable with over the course of the last 50 years as she’s remained mostly silent about her experiences as a student at the school.“Talking about the past is a walk through pain,” she said. “It was very, very difficult. I had felt so terribly, terribly, terribly, alone,”Elizabeth was one of the nine black students sent to attend the all-white school on the first day of desegregation in 1957, the resulting reaction of the town has become known as the Little Rock Crisis.Many might recognize Elizabeth’s picture taken by a news photographer that day."At one point [the mob of white students] said get a rope, as I was walking, let’s lynch her,” Eckford recalls. "It was a very frightening, a very threatening time.”Elizabeth endured the harassment until she reached the doors of the high school, but was turned away by National Guardsmen. Alone, she remembers wondering what to do next as she walked over to a bus bench a block from the school.“I remember that bus bench meant safety to me,” Eckford recalls. "There was a pack of reporters and photographers in front of me walking backwards and asking me questions. I didn’t say anything because I was afraid if I opened my mouth I would cry in public.”Over the course of the next 50 years the words that berated Elizabeth manifested into PTSD. The school, that picture, crowded hallways; they would all elicit panic and anxiety. It wasn’t until 1997, when Elizabeth began sharing her story with students at Central High School that she started to heal.“They were very patient with me,” she said. "When I would cry they waited and gave me a chance to resume. It meant that to them I was a human being.”Today, Elizabeth Eckford speaks at national conventions and remembrance events of that first day of desegregation. She says walks by the school and crowded hallways no longer elicit anxiety.She also remains modest in her triumph and dedicated in her pursuit to help others."I point out that [students] can just reach out to support someone who is being harassed,” she said. "Just treat that person in a way that you would want to be treated. That can be very powerful. It was very powerful for me." 2454

It's a day dedicated to your favorite toppings placed between two slices of bread. Sandwich shops across the country are observing the day with free and discounted food.Here's how you can get in on a cheaper sandwich and commemorate the day.Subway 255

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