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It happened again! After going viral in September for slipping Michelle Obama a piece of candy during the funeral of Senator John McCain, George W. Bush has done it again at his father's funeral and warmed our hearts all over again.  251

Isaias re-intensified into a Category 1 hurricane Monday evening shortly before approached the Carolina coast with top winds of 85 MPH, as of 9 p.m. ET.The National Hurricane Center said Isaias came ashore late Monday near Ocean Isle Beach, North Carolina, as a minimal hurricane. Top observed wind gusts were found in Oak Island, North Carolina, at 87 MPH. Hurricane warnings are in effect for parts of the Carolina coast around the North Carolina/South Carolina border.The National Hurricane Center said it expects Isaias to pack hurricane-force winds over a small area of the coast, but much of the East Coast should be preparing for tropical storm conditions.Tropical storm warnings extend from South Carolina all the way to Maine. Major cities, including Baltimore, Washington DC, New York and Boston will likely see tropical storm conditions on Tuesday.Given the storm’s path, the hurricane could place a huge burden on the nation’s electric grid. The Edison Electric Institute said that crews are being sent to the coast to help with the response.“Preparing for major events like Isaias requires significant coordination among the public and private sectors,” the organization said. “Strong industry-government coordination and cross-sector collaboration are critical. EEI is supporting the industry’s response at the highest levels through the Electricity Subsector Coordinating Council.” 1404

INDIANAPOLIS -- A father died Sunday evening from the injuries he sustained while rescuing his 3-year-old daughter from a vehicle after it rolled into a pond on Indianapolis' north side.Divers and rescuers were called to a pond on Fluvia Terrace after 4:30 p.m. local time. Witnesses told police that the father had stopped to talk to someone and left his 3-year-old in the vehicle. The child hit the gear and shifted the car into reverse, rolling it into the pond. The father and another man ran after the vehicle and were able to pull the child out. She was awake and talking to rescuers, according to Rita Reith with the Indianapolis Metropolitan Police Department. The child was taken to the hospital in critical condition. The child's father, who could not swim, was submerged in the water for roughly ten minutes. He was pulled out by rescuers and rushed to the hospital without a pulse. He later regained his pulse but was unable to survive his injuries and died just after 11:30 p.m.He was identified as Anthony Burgess Jr., 24. The bystander who helped rescue the child was also taken to the hospital and treated for hypothermia.   1218

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

It's official: Black Friday and Cyber Monday are still shopping bonanzas for retailers.Mastercard estimated sales on Black Friday hit billion, surging 9 percent from last year. Cyber Monday may have seen as much as a 19 percent increase from last year, Adobe Analytics predicted. (The final numbers are not yet out.)Although it will take several weeks for the dust to settle, traditional players have emerged as early winners in the holiday shake out. Traffic at Walmart, Target, Best Buy, and Kohl's was strong on Black Friday and into the weekend, analysts say.Black Friday and Cyber Monday were Amazon's biggest shopping days in its history. Customers bought more than 180 million items from Thanksgiving to Cyber Monday, the company said. The early results signal that retailers got a lift from a strong economy, convenient new ways to spend, and the demise of former rivals. All five companies' stock prices rose on Monday, reflecting investor optimism for the holidays.Although fewer shoppers turned out at brick-and-mortar stores, more bought on online and on their smartphones.Overall, traffic to physical stores dipped 1% on Thanksgiving and Black Friday compared to 2017, according to ShopperTrak, a retail consultancy that monitors in-store traffic. Digital analytics firm RetailNext said traffic declined 6.6% during the four-day weekend compared to a year ago."This was a great Black Friday. Consumers came out in droves and retailers stepped up efforts around inventory and servicing," said Marshal Cohen, chief industry adviser at NPD Group. 1578