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Our personality affects the decisions we make, including how we shop. And as we know, Black Friday is going to be different this year. Those changes, along with having certain types of personalities, may not help our wallets.Being impulsive can lead people to make quick decisions and buy things without really thinking about it. And now that a lot of these Black Friday deals are online, it can trigger that impulsiveness, partly because we're not physically handing money over to someone.“When there’s no cash involved and there’s no real exchange like that, it’s just kind of like this single swipe, that really makes it a lot of harder to engage that part of our brain that help us make that decision in the best way for us,” said Dr. Michael Vilensky, a psychologist at Ohio State University’s Wexler Medical Center.The stress we're all feeling this year can also be a trigger. You might have family members who are sick, maybe you lost your job, and maybe you're stressed just because you haven't seen your family in a while and won't be able to during the holidays.Psychologists say we may resort to shopping to feel like we have some kind of control.“If it does feel like shopping is a way to manage difficult emotions, think of some other strategies that may be a way to do that. If it’s talking to a friend. If it’s doing some other kind of relaxing activities or stress reduction activities,” said Vilensky.In addition to this, one thing we can do to control our shopping is getting rid of apps that have a single swipe or single tap payment option.If you know you'll be shopping online, give yourself 24 hours to think about a purchase before you pay for it. That'll help you think about whether you really need or want it. 1743

PAHRUMP, Nev. (AP) — Officials in Nevada are identifying a 55-year-old man found dead under a vehicle they think may have collapsed on him due to earthquakes last week in nearby Southern California.Nye County Sheriff Sharon Wehrly (WER'-lee) said Thursday that investigators might never know for sure what caused Troy Ray to become pinned beneath his Jeep outside his trailer home in rural Pahrump.Sgt. Adam Tippetts says in an internet post that Ray was last seen alive at a nearby gas station July 3.A day later, a magnitude 6.4 earthquake struck near Ridgecrest, California, followed by a larger 7.1 temblor on July 5.Ridgecrest is about 95 miles (153 kilometers) west of Pahrump.Tippetts says Ray's death was ruled an accident resulting from asphyxia and blunt trauma. 780

OWENTON, Ky. -- A McDonald's worker who handled food while infected with hepatitis A might have spread the illness to customers, according to a news release from the Three Rivers District Health Department in Kentucky. The announcement arrived less than a week after a similar one from Clermont County, where a Taco Bell worker was diagnosed with the virus."While it is relatively uncommon for restaurant patrons to become infected with hepatitis A due to an infected food handler, anyone who consumed food or drink at the Owenton McDonald's (between Aug. 16-27) is advised to get a hepatitis A vaccination," district health officials wrote in a news release.The McDonald's in question is located at 506 South Main Street in Owenton, Kentucky.Officials added the McDonald's management was cooperating with their investigation, employees had been told to receive a vaccination and the entire staff reviewed standard hygiene practices to prevent transmission.Kentucky is in the midst of a statewide outbreak of hepatitis A, a liver infection that can remain asymptomatic for many weeks before causing fatigue, nausea, joint paint and low-grade fevers. People with existing health problems, especially older adults, can sometimes experience sudden liver shutdowns, according to Mayo Clinic. Hepatitis A is normally transmitted through small particles of feces that remain on an infected person's hands after using the restroom. If they prepare food or drink afterward, they can potentially infect large numbers of unsuspecting people. Effective hand-washing and vaccination reduce the risk of the infection spreading. 1632

PINE VALLEY, Calif. — A suspected human smuggler was sentenced to 30 months in prison for barreling through a Border Patrol checkpoint, narrowly missing vehicles and severely injuring a border agent.Jorge Garcia-Osornio, 28, of Michoacán, Mexico, was charged with transporting certain aliens and aiding and abetting from the Nov. 14, 2017 incident.Border officials said Garcia was illegally in the U.S. when he approached a Pine Valley border checkpoint with two illegal immigrants hidden in the floor of his vehicle. As he neared the line of cars waiting, Garcia made an illegal U-turn and began driving in the opposite direction on the freeway, officials said.Agents began to pursue Garcia before he made another U-turn and headed back toward the checkpoint at speeds reaching 100 miles per hour.As he reached the checkpoint, officials said Garcia narrowly missed two vehicles and a border agent, and blasted through a metal sign, sending debris in all directions.“In committing his criminal act, Garcia not only placed the lives of those he smuggled in grave danger, but seriously injured a Border Patrol agent in the process,” Chief Patrol Agent Rodney S. Scott.That debris severely injured a nearby agent, who likened the blow to being "hit with a baseball bat." The agent was taken to a nearby hospital for treatment and has yet to return to duty.Garcia continued on for another three and a half miles at high speeds before exited a freeway and crashing into a hillside. One of the undocumented immigrants hiding in the vehicle told agents he "feared for his life."Garcia was arrested nearby after ditching his crashed vehicle. As part of his plea deal, he admitted to charges of driving the wrong way, using a dangerous weapon, and seriously injuring a border agent, among other charges.The man was expecting to earn between ,400 to ,000 for transporting each undocumented immigrant.“This defendant had no regard for the safety of his passengers, other drivers on the freeway or agents at the checkpoint,” U.S. Attorney Adam Braverman said in a release. “It’s a miracle no one died in this incident. Smugglers operate in a world where immigrants are just dollar signs, not people. 2274

People who care about their credit scores tend to obsess about some things they probably shouldn’t, such as the possibility they might have too much credit.Let’s bust that myth right upfront: The leading credit scoring formulas, FICO and VantageScore, don’t punish people for having too many accounts. And right now, having access to credit could be a lifeline.In June, the median duration of unemployment was nearly 14 weeks, according to the U.S. Bureau of Labor Statistics. “Median” is the halfway point, which means half of the unemployed had been out of work longer. After the Great Recession, the median length of unemployment peaked at 25 weeks.Most households don’t have enough emergency savings to get through extended unemployment. Access to credit ultimately could be what staves off eviction, keeps the lights on and puts food on the table.Obviously, you can have too much credit if it would tempt you to spend recklessly. And the more accounts you have, the easier it might be to forget a payment — which can be devastating to your scores — or fail to detect signs of fraud.But that doesn’t mean you should worry about applying for the credit you need in the misguided notion that having too much credit is bad for your scores.“It’s not about the number of accounts,” says Ethan Dornhelm, FICO’s vice president of scores and predictive analytics. “It’s about how those accounts are handled.”It’s not how many cards, but how you use themBefore the advent of modern credit scores in the 1980s, lenders did worry that people who had access to a lot of credit would suddenly run up big balances, then default, says credit expert John Ulzheimer, who formerly worked for FICO and for Equifax, a credit bureau. But data scientists have since learned otherwise. People who had been responsible with credit in the past tend to continue being responsible.“I’ve got a gajillion credit cards,” Ulzheimer says. “I could charge up every single one of my cards tomorrow, but I’m not going to do that.”Although you can’t have too much credit, you can have too much debt. Having big balances relative to your credit card limits, or a bunch of cards with balances, can definitely hurt your scores, credit scoring experts say.“There’s no right number of credit cards,” says Jeff Richardson, senior vice president marketing and communications at VantageScore Solutions. “But if you have 22 cards and they all have balances, that can add up.”Even small balances and balances you pay in full can be problematic. Credit scoring formulas consider how many of your accounts have balances and how much of your credit limits you’re using, among other factors. The scoring system uses the balances reported by your creditors, which are generally the amounts from your last statement. You could pay those balances off promptly, but they still show up on your credit reports and affect your scores.Credit-building strategiesIf you’re trying to polish your credit, Ulzheimer recommends using one or two credit cards and not charging more than 10% of their limits. That may require making more than one payment each month to keep the balances low or asking issuers for higher credit limits.If you do use more than a couple of cards, paying the balances off before the statement closing date will typically result in a zero balance being reported to the credit bureaus, and that can be good for your scores.Be careful about canceling unused cards, however. Closing credit accounts can hurt your scores, since it reduces your total available credit. If you’re concerned a lender might close an unused card, you can use it occasionally and immediately pay off any charges so you have a zero balance on the statement closing date.If your credit scores are already high, however, Ulzheimer questions how much effort you should invest in making them higher. Once your scores are over 760 on the commonly used 300-850 scale, you’re getting the best rates and terms lenders offer.Another thing people worry about, but probably shouldn’t: inquiries. Applications for credit typically have a minor impact on your scores and any impact fades within a year. But Ulzheimer says people are often convinced otherwise.“It’s crazy how many questions I get about inquiries, and they are so meaningless in the grand scheme of things,” Ulzheimer says. “People love to obsess about little things that don’t really have a whole lot of influence.”This article was written by NerdWallet and was originally published by the Associated Press.More From NerdWalletSmart Money Podcast: How to Travel Safely, and How to Handle Old DebtsTransition From Work-at-Home Novice to ProCan You Really Trust Your Payment App?Liz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. 4764

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