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INDIANAPOLIS -- The Food and Safety Inspection Service has issued a public health alert for salad and wrap products that were produced by an Indianapolis company because they may be contaminated with Cyclospora. The recall is for beef, pork and poultry salad and wrap products that were distributed by Caito Foods LLC. The products were produced between July 15 and July 18 and were sold at a number of popular retail locations including Kroger, Trader Joe's and Walgreens. All affected products have a "Best By," "Enjoy By," "Best if Sold By," or "Sell By" date ranging from July 18 through July 23. Product labels, UPC codes and other information can be found HERE. The FSIS says they are concerned that the products may still be in consumers' refrigerators and that consumers may be at risk due to the length of the Cyclospora incubation period. Cyclospora is an intestinal illness by a microscopic parasite that is transmitted contaminated food or water, according to the CDC. It can take up to a week before someone who becomes infected shows any signs or symptoms of the illness, which infects the small intestine and usually causes watery diarrhea with frequent, sometimes explosive bowl movements. Other common symptoms include: 1284

It's one thing to imagine what life might be like, but it's a totally different thing to see it right before your eyes."If things had turned out differently," the actor in the ad says. "I don't know. Maybe I'd be married to that girl I was hanging out with freshman year. Life keeps racing forward for everyone except me.The actor in this new ad is what Caleb Sorohan would have looked like, if he hadn't been killed eight years ago.His mother, Mandi Sorohan said, "It's almost like Caleb came back to tell people, look this is what I should be doing. But I can't because I was texting and driving."Sorohan and her family worked with forensic artists and visual effects teams to recreate what her son would look like today. All for a chilling yet powerful ad by AT&T showing the future distracted driving can take away."You don't think of all the things that could have happened," Sorohan says. "Never got to happen. So to me I think that's the biggest part of this ad."Caleb had just finished his first semester of college when he read a text message while driving, veered into oncoming traffic, and hit an SUV head on. He died instantly."It happened and he made a terrible mistake," Sorohan says. "And we're just trying to make sure that other people don't make that same mistake because not only could you kill somebody else you could kill yourself."The ad is a part of AT&T's "It Can Wait" campaign, which has inspired nearly 25 million pledges to not drive distracted. Sorohan hopes this will add to that number, and show people this isn't just a teen issue, but an issue for everyone."We'll never get to talk to Caleb again," Caleb's brother Griffin shares in a longer version of the ad. "We'll never get to do regular day things with Caleb again."Caleb's sister also took part; the family is hoping that by doing so, people can see the lives impacted by distracted driving go far beyond their own."They should want to come home to the people that they love," Sorohan says. "Every night and they should know how important they are to the people who love them. So don't pick up your phone in the car, just put it down and forget about it until you get to where you're going. Nothing at all that you can do on your phone is worth not coming home to those people."A message from a future that could have been. That no distraction is worth losing one.To learn more about the "It Can Wait" campaign and take the pledge, click here. 2453

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

Ivanka Trump said it's "pretty inappropriate" to ask her about women who have accused her father of sexual misconduct.Asked by NBC News if she believes the accusers, Trump replied, "I think it's a pretty inappropriate question to ask a daughter, if she believes the accusers of her father, when he's affirmatively stated that there's no truth to it.""I don't think that's a question you would ask many other daughters. I believe my father. I know my father. So, I think I have that right, as a daughter, to believe my father," she continued in the interview, which aired Monday morning.  600

Ivanka Trump said Thursday the news of family separations at the border "was a low point" during her time in the White House."That was a low point for me as well," she said Thursday, speaking at an Axios Newsmakers conversation on workforce development at the Newseum. "I felt very strongly about that and I am very vehemently against family separation and the separation of parents and children so I would agree with that sentiment. Immigration is incredibly complex as a topic. Illegal immigration is incredibly complicated."Earlier this year, the Trump administration's immigration "zero-tolerance" policy resulted in the separation of thousands of children from their families. In June, Trump reversed course, signing an executive order to keep parents and kids together, but as of last week's deadline, 1 in 3 children still remained away from their parents, with no clear indication when they would be reunited.Ivanka Trump continued Thursday, "I am the daughter of an immigrant, my mother grew up in communist Czech Republic, but we are a country of laws. She came to this country legally and we have to be very careful about incentivizing behavior that puts children at risk of being trafficked, at risk of entering this country with coyotes or making an incredibly dangerous journey alone. These are not easy issues, these a