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Pepsi is releasing an apple pie-flavored soda as we near the holiday season, but it's only available if you enter a sweepstake.The new limited-time-only soda: PepsiCo designed Pepsi Apple Pie to taste like "warm cinnamon, buttery crust, and fresh apple."And to mark the special occasion of its release, the drink company will give away the limited-time-only drink to 1,500 fans in its #PepsiApplePieChallenge sweepstakes.To receive a free bottle of Pepsi Apple Pie, fans will have to post a photo or video of their best baking fail using the hashtag #PepsiApplePieChallenge on Twitter and TikTok.The contest ends on Dec. 7. 631

PARK COUNTY, Colo. — A Discovery Channel reality show about gold mining is dividing the small Colorado mountain town that provided its setting — even as the show plans to move on. The show “Gold Rush” turned a small old mine in Fairplay into a much bigger operation. Fairplay is located about 85 miles southwest of Denver. Producers of “Gold Rush” said they will not return to Park County, but the residents say they are still feeling the impacts and worrying about future expansion."It's hard to describe what a four-foot boulder sounds like getting dropped into metal," said Jamie Morrow, whose home is about a quarter of a mile away from the mining operation. Morrow and her family purchased their property before the reality show began — when the mining in town was minor and mostly unobtrusive.  "It was quiet. It didn't make a lot of noise and was a small two or three man operation," Krissy Barrett, who also lives in the county, said. Some citizens in Fairplay have filed lawsuits seeking to reverse rezoning approved by county leaders that converted residential land into mining areas. Even though “Gold Rush” is moving on, residents are still fighting in court. They say large mining equipment remains in the area.Some residents say they’re worried the mining operation will continue to grow.  "Me and a bunch of other of our folks said we can't allow this because if they can rezone that parcel from residential to mining, they can do any parcel. They could rezone next door to us, next door to anybody," Barrett said. Leaders of the small town have embraced the national attention the reality show brings. "We've had a huge uptick in visitors coming to the visitors center. A lot of them are expressing their desire to go out and see the show, the mining," Fairplay town mayor Frank Just said. Some residents said the show’s presence in town was positive. Keith Wortman said he made extra money renting a home to the crew. A server in a local restaurant said the location got more business when production was happening. "Pretty exciting to have a big show come to town," bartender Melissa Mcaninch said. But opponents argued the town’s mountain beauty is also a big draw, and that beauty could be impacted if mining continues to expand. "The population that comes up here to look at the beauty, to enjoy the beauty, is way bigger. We believe the overall economic impact from our maintaining our aesthetics here is way bigger than a small TV show and way longer lasting. You know gold mining is a boom and bust," Barrett said. The town’s mayor said mining has been around in Fairplay since 1856 and it’s here to stay. “I'm sure a negative effect on some of the folks that were the closest to the mine, but all in all, those folks [the miners] have a right to do what they've done," Just said.  2958

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

Pizza Hut will replace Papa John's as the official pizza of the NFL.The announcement comes a day after Papa John's said it would end its sponsorship of the league. Papa John's, which last fall blamed the NFL's response to player protests for slumping sales, will focus on its partnerships with individual teams.The league's deal with Pizza Hut is for four years, and is worth more than the Papa John's deal, a source familiar with the agreement told CNN. The agreement gives Pizza Hut, which is owned by Yum Brands, an array of exclusive marketing rights."We are thrilled to have Pizza Hut, an industry leader and one of America's favorite brands, as an official league sponsor," NFL Commissioner Roger Goodell said in a statement.The sponsorship will roll out with the upcoming NFL Draft in April.Artie Starrs, the president of Pizza Hut U.S., said in a statement that the sponsorship potential was "endless. He said it would be "great fun for Pizza Hut, the NFL and everyone who loves pizza and football."Papa John's said Tuesday that its parting with the league was mutual. The company reported that its North American sales were down 3.9% from a year ago.  1173

Paul Manafort's accountants testified against the former Trump campaign chairman on Friday, telling jurors that loan amounts were fudged to help him on his taxes, loan documents sent to banks were forged and that he did not disclose his financial stake in foreign companies.Testimony from the financial professionals who worked for Manafort are making up the meat of special counsel Robert Mueller's case against Manafort, who is charged with 18 counts of tax and banking crimes.Phil Ayliff and Cindy Laporta, who prepared Manafort's taxes, also detailed their extensive dealings with Manafort's longtime deputy, Rick Gates, who is poised to be a key witness in the trial. Gates pleaded guilty and agreed to cooperate with Mueller's team in February after he was charged alongside Manafort last year.The case is the first that Mueller's team has taken to trial as part of its broad investigation of Russian election interference in 2016, and the trial is occurring while the special counsel negotiates with President Donald Trump's legal team about Trump being interviewed. 1081

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