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It's been an above-normal day of controversy in Washington D.C. with regard to President Donald Trump and his border wall funding needs.The President met with the top House and Senate Democrats at the White House to talk about the funding, which, if it continues dividing the government, will lead to a shutdown.The deadline for the border wall funding to be approved is Dec. 21 — the end of a current funding extension lawmakers passed after the death of former President George H.W. Bush. Here are some things to know about the situation:? Trump says he will "proudly" shut down the government if Congress doesn't approve his request for billion for the border wall and security, which is designed to keep people in Mexico from crossing into the U.S. illegally 773

It’s easy to overeat during the holidays with all the delicious offerings. The average holiday meal has about 3,000 calories, according to the Calorie Control Council. That doesn’t even include alcohol you may consume!"People kind of let themselves go, because they think it's okay,” says physical trainer Brian Brenzels. “Because they have an excuse to not workout and eat everything."  However, don’t stress too much. The average person only gains two pounds during the holidays, according to a study published in Psychology and Behavior.  But if that two pounds scare you, how can you avoid it?When tomorrow comes, and you're faced with an abundance of food, Brenzels says to grab the smallest plate.   “If you grab the bigger plate, you tend to fill it up completely,” he says. “You grab the smaller plate, you fill it up, that's still a quarter of the portions you would eat."  When it comes to leftovers, give it away.   "A lot of people are eating all the leftovers,” Brenzels says. “Send the leftovers home with people in small increments. Set yourself up for success."  And once Friday morning rolls around, make sure you get back at it.   "Still wake up, even if it's a walk, get up,” the trainer recommends. “Get moving, get that metabolism going. Get that workout in in the morning, and then its right back to normal."  Whatever you do, Brenzel says, don't wait till the New Year to make your resolution to get fit.  "Make your resolution right now,” he says. “Friday. Friday morning, you wake back up and you get back to it."    1619

It’s that time, when stores offer up their best deals on the hottest items. Some of the advertised deals can even cause customers to stand in lines for hours and even camp out the night before the items go on sale. But this could be a big waste of time.“Don’t buy something just because it’s on sale,” says Kevin Brasler, the executive editor of the consumer watch dog group Consumer’s Checkbook.Brasler tracked sales and deals at 19 major retailers for nearly a year to find out which companies are telling the truth when advertising their sales.  "Most of these stores offering big ticket items are just offering the same deal they did before and the same deal they offered the next week,” says Brasler of his findings. “It wasn't a special price."  The worst offenders range from big box stores to high-end retailers. And with Black Friday around the corner, Brasler warns consumers to be cautious of those doorbuster deals, especially those early morning sales urging you to get up to get amazing deals on hot items before they go.   "There's for sure no reason to get excited about most of the items they are selling on Black Friday, because we found the sales they are offering then are just about the same as they otherwise are," he says.  Then there are those buy one and get one half-off sales. Brasler says these, too, are often a sham.  "These sales they just call them different sales; it's really rare that they have a super good price that you better grab right then and there otherwise it will go away forever,” Brasler says.  That's because the less expensive item is usually the one that gets the half-off deal. So, in reality, you're really not saving that much at all.Also, beware of going out of business sales.    "You're not offering them a special price; you're offering them the usual price," Brasler says.  Sometimes, the third-party liquidator prices the items higher than the original price. That’s what happened with Toys-R-Us closed.  "Even if it's illegal or not, it's sure dishonest," Brasler says.  Out of the 19 stores Checkbook.org watched, they said Costco and Bed Bath and Beyond were among the most trustworthy, but that's mostly because they rarely have sales. 2271

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

In the hectic eight days after President Donald Trump fired FBI Director James Comey, Deputy Attorney General Rod Rosenstein and top FBI officials viewed Trump as a leader who needed to be reined in, according to two sources describing the sentiment at the time.They discussed a range of options, including the idea of Rosenstein wearing a wire while speaking with Trump, which Rosenstein later denied. Ultimately, then-acting FBI Director Andrew McCabe took the extraordinary step of opening an obstruction of justice investigation even before special counsel Robert Mueller was appointed, the sources said. The obstruction probe was an idea the FBI had previously considered, but it didn't start until after Comey was fired. The justification went beyond Trump's firing of Comey, according to the sources, and also included the President's conversation with Comey in the Oval Office asking him to drop the investigation into his former national security adviser Michael Flynn.The new details about the genesis of the obstruction case into Trump that became a key element of the Mueller probe shed light on the chaotic week following Comey's firing and the scramble to decide how best to respond. They also help to explain the origins of the Mueller investigation that has stretched across 19 months, consumed Trump's presidency and is building toward a dramatic day of courtroom filings on Friday.A Justice Department official strongly disputed Rosenstein sought to curb the President, emphasizing that his conversations with McCabe were simply about talking through ways to conduct the investigation. "He never said anything like that," the source added.Other sources said that the FBI would only take such dramatic action if officials suspected a crime had been committed. But Rosenstein and other senior FBI officials also had deep concerns about Trump's behavior and thought he needed to be checked, according to the sources.A spokeswoman for McCabe did not provide comment for this story."It's shocking that the FBI would open up an obstruction case for the President exercising his authority under Article II," said the President's attorney Rudy Giuliani.The Washington Post first reported last year that the obstruction investigation started before Mueller's appointment, but the sources offered a more complete picture of the drastic actions law enforcement leaders took during that feverish period.Prior to Comey's firing, top FBI officials had discussed opening an obstruction investigation based on the President saying to Comey, "I hope you can let this go" when discussing Flynn. That episode was later described in memos Comey wrote following the February meeting that the former FBI director would leak soon after his firing.Comey's attorney did not comment for this story, but pointed to Comey's 2017 testimony to the Senate Intelligence Committee.Comey, however, hinted at the discussion in his book."We resolved to figure out down the road what to do with the president's request and its implications as our investigation progressed," he wrote.Then, on May 9, Comey was fired.The subsequent meetings led by Rosenstein and McCabe were held soon after the White House made clear that Rosenstein's memo addressing concerns about Comey's conduct during the Hillary Clinton probe was central to the President's decision. One of the sources likened it to "spitballing" about potential steps in the mold of "What are the options. What makes sense. What doesn't?"For the deputy attorney general, the obstruction investigation into Trump and the appointment of the special counsel has turned his entire Justice Department tenure into an awkward role of supervising the Mueller investigation after he -- voluntarily, sources said -- wrote the memo justifying Comey's firing. Critics have argued the Comey memo makes Rosenstein a potential witness in the obstruction case.  3895

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