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PALA, Calif. (KGTV) -- A brush fire erupted in the north San Diego County community of Pauma Valley Tuesday afternoon, sending a plume of thick, white smoke into the atmosphere.The fire broke out on the 13800 block of Highway 76 near Pala Road northeast of Escondido around 2:50 p.m. According to Cal Fire, the flames have scorched at least 50 acres.Cal Fire sent an aircraft to help fight the fire. No structures were threatened in the fire. Winds in the area Tuesday could reach 14 miles per hour before winding down later this evening. The humidity, which is currently at 50 percent, should help firefighters fight the blaze. The fire is now 15 percent contained.  740

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

Paul Manafort and Rick Gates' case has added a new criminal charge or charges as of Wednesday, though whether the action is additional grand-jury approved indictments or indicates a coming a plea agreement remains a mystery.A record-keeping book in the federal courthouse in Washington included a new sealed filing in Manafort and Gates' case, which was opened in late October when the former Trump campaign advisers pleaded not guilty to money laundering and failure to properly disclose their foreign lobbying work. The filing contained no additional information.The filing could indicate additional indictments in the case, or it could be a type of charge called a criminal information, which would indicate an agreement between prosecutors and a defendant.Prosecutors on Manafort's case said on Friday they found evidence of bank fraud and related conspiracies, for which Manafort had not been charged.CNN has also reported that Gates has spoken to prosecutors about his case and has been negotiating a plea deal for more than a month. It's still unclear this week whether he is closer to finalizing an agreement. Both Manafort and Gates maintain their not guilty pleas.A European lawyer who worked with Gates and Manafort years ago pleaded guilty Tuesday to lying to special counsel Robert Mueller's investigators about his interactions with Gates and an unnamed Ukrainian. Gates at courthouse 1411

Over the course of three months, a robber decided to test his luck not once but three times at the M Resort in Las Vegas.On Aug. 24, Gregory Bolusan reportedly entered the M Resort at 3:54 a.m. with a handgun and a backpack. He demanded that the cage employee hand over all of their money but was unsuccessful due to the employee fleeing the cage.Bolusan returned to the M Resort on Sept. 10 at 5:33 a.m. with the intentions robbing the casino cage again. This time he made away with ,589. Investigators were able to identify him because he wore the same clothing, drove the same vehicle and used a similar gun and backpack.In his final attempt, Bolusan returned to the M Resort on Oct. 28 and was able to use the same game plan to make away with ,480 – or so he thought.Bolusan was wearing different clothes during this robbery attempt but was driving the exact same vehicle, parked in the exact same spot, and entered the exact same doors as before. This led to M Resort security members apprehending Bolusan before he could get away with the cash.During the arrest, it was determined that he was driving a white 2010 Toyota Camry and that his gun was not real.Bolusan was booked into the Henderson Detention Center on several counts of attempted robbery, burglary. 1286

PHOENIX - Kyrsten Sinema has defeated Martha McSally in the highly contested race for an Arizona Senate seat, per the Associated Press. This comes after several days of ballot counting and controversy over rural county results.Sinema (D) defeated McSally (R) for the seat previously held by Senator Jeff Flake, who chose not to run again in this election.On Friday, Republican and Democrat leaders agreed to give rural counties a second chance to fix ballot issues with voters. GOP leaders hoped the move would help Republicans gain votes for McSally in the race, but Sinema's lead was eventually too wide to recover from.  With this win, Sinema will be named the first female U.S. Senator from the state of Arizona.Democrats are projected to have at least 47 Senate seats at the start of the new Congress in 2019. Republicans have clinched 51 seats, with Republican Rick Scott holding a narrow lead in Florida's US Senate race. Republicans are also likely to win next month's runoff for a seat in Mississippi.  1064