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PANAMA CITY, Fla. — A father and daughter were arrested on Tuesday in Panama City, Florida on charges of incest.Panama City Police arrested 39-year-old Justin Bunn and 19-year-old Taylor Bunn just before 11 a.m. on Tuesday.According to arrest records, the father and daughter were seen having sex in their backyard on Wakulla Avenue on February 18.On Tuesday, investigators say that both Justin and Taylor admitted to having consensual sex, arrest records state.Both were arrested and charged with incest. Justin's bond was set at ,000 and Taylor's bond was set at ,000. During a court appearance on Wednesday, a judge ordered that the father and daughter may not have any contact with each other. 729

People are planning to take time off to travel through the end of the year, but of course, things look different because of the pandemic.“It’s not just as easy as it used to be to get in the car and go where you are going and have a great time,” said Jeanette Casselano McGee, a AAA spokesperson.First off, AAA says people will likely plan last minute. One in five travelers plan to book something only a week out, because people don't have a lot of confidence that they will be able to take the trip, because of how quickly things change with the virus.Most of these vacations will be road trips and to places that offer a lot of outdoors attractions.“Even if you are going to a national park, call ahead. Sometimes you need reservations or not everything may be open,” said McGee.It's also a good idea to check with hotels and restaurants in the area on capacity, as well as local and state virus restrictions.And there's promising new data for those planning to fly. The Department of Defense commissioned a 6-month long study using a United aircraft to learn more about the risk of COVID-19 exposure while flying.Mannequins were used to simulate coughing with a mask on and off. Sensors were placed in seats all over the plane to detect particles.It found after 300 tests both in the air and on the ground that when someone is wearing a mask, only .003% of particles made their way into another passenger's breathing zone, virtually 0%. Almost all particles are filtered out of the plane's cabin within 6 minutes.Last week, separate research by the International Air Transport Association found 44 published cases of potential in-flight transmission. Most happened in the early days of the pandemic when masks were not required. 1740

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

Over 1 million children under the age of 19 in the United States have tested positive for COVID-19 since the pandemic began, the American Academy of Pediatrics and the Children’s Hospital Association said in a new report on Monday.According to the data, as of Nov. 12, 1,039,464 children have tested positive, accounting for 11.5% of all cases in states reporting cases by age.Pediatricians said 111,946 new child cases were reported last week, the highest weekly total of any previous weeks since the pandemic began."A smaller subset of states reported on hospitalizations and mortality by age; the available data indicated that COVID-19-associated hospitalization and death is uncommon in children," the report stated.In a press release, AAP President Dr. Sally Goza called the data “staggering and tragic.”"As a pediatrician who has practiced medicine for over three decades, I find this number staggering and tragic. We haven’t seen a virus flash through our communities in this way since before we had vaccines for measles and polio," Dr. Goza said. "And while we wait for a vaccine to be tested and licensed to protect children from the virus that causes COVID-19, we must do more now to protect everyone in our communities. This is even more important as we approach winter when people will naturally spend more time indoors where it is easier for the virus to be transmitted.”According to the data, 32 children have died from COVID in Texas, and 18 have passed away in New York City. 1499

Pipe bomb suspect Cesar Sayoc made his first appearance in a New York federal court Tuesday and was told he will be held without bond.The defense issued no objection to Judge Robert Lehrburger's decision. Sayoc's preliminary hearing was set for Monday.In a letter, prosecutors had said they would ask that Sayoc be held without bond, based on the flight risk and the danger he allegedly posed to the community.The 56-year-old faces five federal charges: interstate transportation of an explosive, illegal mailing of explosives, threats against former presidents and other persons, threatening interstate communications and assaulting current and former federal officers.Sayoc's attorney, Daniel Aaronson, has said that his client intends to later plead not guilty to the crimes."Nobody has been able in a court of law to say that those were bombs that he sent," the attorney said. "Therefore, there is no reason why he should speak or possibly have any information to impart." 984

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