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It's been a roller coaster year for amusement parks across the country, with crowds or long lines this year because of COVID-19. Most theme parks that were able to reopen did so with guests' safety in mind."This fall is a unique time for us as families are dealing with coming out of the pandemic and what can they do, and certainly it's not over. Everybody is still very concerned about health and safety and looking to the attractions industry is a great place," said Susan Storey, the Global Communications Director for the International Association of Amusement Parks and Attractions (IAAPA).Storey says most theme parks across the country are mandating masks and not allowing as many people into the parks."They’re very good at managing how many people can be in a line, to how many people would be in a restaurant," Storey said. "We’re experts at moving people around and being able to provide a safe, healthy, fun experience."Storey says most theme parks are outside on large properties, giving people the ability to spread out."Technology has come into play, too. You can buy your tickets online and show them with your phone. You can do mobile ordering with food, so you’re not standing in line. You can just order, go and pick it up," Storey said. "So, there’s a lot of things that the industry has immediately implemented and added to take their already safe and fun environment."Six Flags over Georgia has fully decorated for Halloween, hoping to encourage families to visit "HalloFest" this fall."Right now, we have reduced capacity, so we are operating at a far lower level at the park than you’d typically see, and that’s so we can ensure social distancing," said Divina Mims, the Communications Manager at Six Flags over Georgia and Whitewater.Six Flags is also conducting daily temperature checks on employees and guests and conducting contactless bag checks. Every other row on a ride is empty, allowing for social distancing even on roller coasters.Hershey Park in Pennsylvania is limiting capacity through an online reservation system."We've also added 300 hand sanitizers, and we have a variety of guest ambassadors in positions to help our guests with all those safety enhancements," said Quinn Bryner, Director of Public Relations for Hershey Entertainment and Resorts.The Centers for Disease Control and Prevention discourages large gatherings where maintaining six feet of distance isn't possible, as that puts people at the highest risk for contracting COVID-19.According to the CDC's website, "The more people an individual interacts with at a gathering and the longer that interaction lasts, the higher the potential risk of becoming infected with COVID-19 and COVID-19 spreading."However, Storey says, parks are doing everything they can to keep customers safe."We provide a lot of jobs, and we do a lot for our communities," Storey said. "We provide respite, we provide fun and help create great memories for our guests and visitors, and that's what’s critical in all that we do."Anyone planning a trip an amusement park should check the park's website prior to visiting to ensure that social distancing is possible. 3154

In most states, it is illegal to sell or give tobacco products to someone who is 18 years old or younger.But many are increasing the legal age to 21 years old.Cincinnati, Ohio just became the 16th city in that state to do so. The state's minimum age is 18. (There is no minimum age at which someone in Ohio may legally use tobacco products.)Minimum ages for purchasing tobacco have been set at the state level dating all the way back to the late 1800s.Increasing the legal age is an effort to reduce habitual smoking among young people.The Centers for Disease Control and Prevention says most long-term tobacco use begins when a smoker is an adolescent, and nearly 90 percent of smokers have their first cigarette by age 18. 742

In the midst of a global pandemic, there's a new challenge to millions of Americans’ health insurance. The Supreme Court will hear arguments Tuesday on the Affordable Care Act.“If the ACA is repealed, millions of people across the country will lose access to their health care, but not only that, millions of people who have preexisting conditions will lose protections, which were put in place through the ACA that allows them to not be discriminated against from insurance companies,” said Rosemary Enobakhare, Director of HealthCareVoter.org.Texas is arguing the ACA is unconstitutional since Congress got rid of the tax penalty it carried if you didn't have insurance.Even though the high court has a new conservative judge and majority, legal experts don't think the justices will strike down the entire law.Even advocates for the ACA admit it needs to be improved, but don't want to see vulnerable populations lose coverage in the meantime.“When all the dust settles, and everything clears, and it's time to get to work, we’ve got to make sure to remind people what they ran on and we’ve got make sure that we have people fighting for folks in their lives and making sure they're prioritize health care,” said Enobakhare.Healthcare Voter would like to see Medicaid expanded in all states. They also want lower costs for prescription drugs.“In the United States, people pay 0 to 0 a viable. Folks who have diabetes need multiple vials of insulin in order to be able to manage their condition and so people are paying thousands of dollars, monthly, and this is with insurance to be able to stay alive. That is unacceptable,” said Enobakhare.The Supreme Court will not issue a ruling on the ACA until next year. 1728

Is it an addictive drug, or a way to actually overcome addiction? The FDA is considering regulating an herbal drug called Kratom. But a group of doctors is pushing back, saying it's part of the solution not part of the problem. They may be color coded, but for Catherine Nieves, the liquid she's pouring in her cups are more than trendy new drinks. She says what's inside them, changed her life."I was homeless and a drug addict who lost custody of my oldest child," Nieves says.Nieves owns a store and prepares drinks made with Kratom, a coffee-like herb. After a C-section a few years back, she started taking Kratom for pain, instead of the addictive opioid Percocet her doctor prescribed."It made the pain just as manageable," Nieves says. "But it was healthier for me mentally just to not get back in the habit with pills when it was something that I was already very sensitive to.But the FDA describes Kratom differently, calling it dangerously addictive, and similar to narcotics like opioids with respect to addiction and death."Yes they interact similar with opioid receptors in the body but the effects are very different," says Oliver Grundmann Ph.D. with the University of Florida.Dr. Grundmann is one of several doctors publicly rejecting the FDA's position on Kratom. He says it doesn't impact breathing the way opioids do, so that lessens the chance of an overdose. And he says the FDA is wrong to link it to 44 deaths in the last decade."So we are not saying that Kratom doesn't have potential adverse effects," Dr. Grundmann says. "But is it positively linked to these deaths? We don't think so."Grundmann believes it should be regulated by the FDA but not as a narcotic."What is at the heart of all of this is we want to consumers to be protected and we want them to have quality products," Grundmann."I have children I have a great life that I've made for myself it's just entirely too much to possibly jeopardize," Nieves says.Nieves wants people who are in her situation to see a safer way out.Nieves says, "It seems like a bottomless hole, addiction. But there is so much hope and Kratom gives people hope." 2147

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