合作算命哪个准(周至算命的在哪里) (今日更新中)

It only took a little over 15 minutes for Ed Bledsoe to lose three lives that meant the world to him -- his wife and their two great-grandchildren.He had left his home in Shasta County, California, on Thursday to go to the doctor, he told CNN on Sunday. The Carr Fire had been burning for four days at that point and Bledsoe said he didn't realize the fire was coming into his neighborhood.He also said his family was never told to evacuate.While he was out, his 70-year-old wife, Melody Bledsoe, called and told him she could see the fire and that he needed to come get her and their great-grandchildren, 4-year-old Emily Roberts and 5-year-old James Roberts, who Ed Bledsoe called "Junior.""I said 'I'm on my way.' So I just throwed down everything and took off," he said.Ed Bledsoe said he wasn't able to use his usual route to get home because of traffic congestion in the fire area, so he left his car and tried to make it home on foot but that, too, was not possible."I took off running down there (toward his house) and I helped some guy that got burnt ... I got him and helped him out of there and when I got back down there the fire was" -- Bledsoe paused, seeming to search for a word to accurately convey the chaos -- "the fire was ... just intense."But I still tried to get down in there and they come and stopped me and wouldn't let me get down in there."Bledsoe said he got back in his car and sped through an alternate route, passing "everybody in the dirt" but still could not get to his house.At the same time, his sons also tried to get to the house, he said, and heat and flames were so intense as one son tried "it burned his hair off. It took his breath," adding that his son's house was also on fire. In those final minutes, unable to get to his wife and their great-grandchildren, Bledsoe was able to get through on the phone.Bledsoe broke into sobs as he described the words that passed between them."He just kept saying 'Grandpa, come and get me," Bledsoe said, referring to 5-year-old James. "'The fire's coming in the back door. C'mon Grandpa.' I said 'I'm right down the road.'"His granddaughter and wife were also on the phone, he said."Emily says, 'I love you, Grandpa.' Grandma said 'I love you, Grandpa ...' Junior said, 'I love you ... come and get us ... come and get us ...' I said 'I'm on my way ... ' He talked until he died." 2371

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 Giving Tuesday, a day to give to different charities and a variety of causes. But if money is tight or you don’t have a lot of time to give, don't feel guilty.There are easy ways to give by doing things you may already be doing.How many times do you go online a day? How many times do you open up a new browser tab? Well, Google is offering an easy to way to give. After installing the Tab for a Case extension, each time you open a new browser on Google Chrome, the company will donate money to the charity of your choice. It’s a simple way to give.Another easy way to give is to sign up for a charity rewards credit card like the Susan G. Komen cash rewards Visa. Matt Shultz with creditcards.com says your cash back will be donated to the charity.   "Then, there are other cards like Charity Charge MasterCard, which gives you 1 percent cash back on everything you spend," Shultz says.If your New Year’s resolution is to get fit, you'll like this one to keep you motivated—a free app called Charity Miles. For every mile you move, you help raise money for your charity.   And for all you Amazon shoppers, have you heard about Amazon Smile? If you log into Smile.Amazon.com and select the charity of your choice, each you make a purchase, Amazon will donate 0.5 percent of the price of your eligible purchases to your charity.   Also, remember donating blood, gently-used clothes and toys, as well as giving your time, are all great ways to give back year-round. 1522

In the middle of a pandemic, 13-year-old Jade stood in her kitchen with her phone in her hand, listening intently to the instructions coming from the other end of her Zoom call.It was her first time attempting to make Rice Krispies Treats.“Cooking is one of my favorite things to do, but I still have a lot of things to work on,” she explained as she mixed a small cup of marshmallow with the cereal she’d already poured into a bowl.For Jade and countless other kids across the country, the COVID-19 pandemic has meant a sudden absence of social time with friends who they’d typically see at school. For Jade, the pressures of the pandemic can often be incredible loneliness, even with her grandma, grandpa and mom living at home with her.“Two months ago, we were all hanging out. Now we’re all home. It’s really hard, but I’m getting used to it now,” she said.Before the pandemic began, Jade was enrolled with the group Big Brothers Big Sisters of Central Massachusetts. In an effort to make sure Jade is handling the pressures of the pandemic, Jade’s “Big Sister” and mentor Angela Potts has been scheduling weekly Zoom calls.From the very start of quarantine, the pair decided baking would be the way they would bond from afar.“It keeps your mind off of everything negative that’s going on in the world,” Angela said from her kitchen as she added chocolate chips to the Rice Krispies Treats that she was making.Each week, the pair chooses a recipe, then they schedule a time to cook together. Even though they aren’t meeting in person, it still gives Angela a chance to check on her mentee.“If she needs someone to talk to, to reach out to, I’m here for her and I hope she knows that,” Angela added.Across the country, Big Brothers Big Sisters has turned to virtual meetups to make sure vulnerable kids and teens are still getting one-on-one time with mentors.“Now is the time that kids need that extra support. The world is just in chaos, so we’re letting them know they aren’t alone,” said Courtney Evans who works for the nonprofit.Until Big Brother and Big Sisters can meet with their mentees again safely in person, the organization says virtual meetups are making sure kids don’t slip through the cracks. 2221

It was not the graduation ceremony Sarahi Avalos thought she would experience when she started high school -- but this celebration it is one she and her fellow graduates have earned a thousand times over.“Unbelievable. I thought I’d never make it,” Avalos said.She is fighting cancer, and her treatments have been so intense that she was not able to attend class at school. Avalos had to finish her classes from Diamond Children’s Medical Center at Banner UMC.  Avalos is one of five teens honored in a ceremony inside the hospital Thursday. Other honorees included Maiya Harris, Garrett Nesbitt, Austin Thacker, and Christopher Tom. 646

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