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It’s that time when San Diegans start to focus on a healthy start to the New Year. Regardless of what resolutions you make, the goal is to make positive changes. Although a popular choice like living healthier through the year is great, how can you do that? If you have a plan, and a coach or support from someone you trust, it makes success that much easier. Regular exercise. Drinking more water. Adding fresh fruits and whole grains can keep your body healthy. Making sure you get your flu shot and knowing your numbers! Whether it’s eating healthy, adopting a pet or getting out in your community there is something out there for you! ? Get more exercise in by hiking trails at our County parks. ? Get a new furry family member and adopt a pet from Animal Services. ? Trying to eat healthier? Visit a certified farmers market.What are some simple steps to take that will help you get moving in the right direction? Checking your mental health is equally important. Taking time to relax, reducing stress or beginning your day with easy meditation techniques. NAMI San Diego has some great APPS available for free download that have guided meditations, helpful resources, education and more. Available on iOS, Android and Windows platforms, oscER will give you information, resources and peace of mind. YMCA of San Diego County is a proud Live Well partner helping families thrive every day with our focus on youth development, healthy living and social responsibility. The YMCA is much more than a gym or a pool. And while they ARE so much more than a gym, NOW is a great time to join the Y and work on your resolutions! January is FREE when you join in the New Year. The YMCA offers a variety of tools to support individuals health & wellness goals. ? KickStart program- a personalized wellness plan to get you started ? Free Child Watch and Kids Club during workouts ? Over 100 free group exercise classes throughout our locations ? Indoor and outdoor swimming pools for lap swimming, aquatic classes ? State-of-the-art fitness centers ? Workshops, seminars and health screenings ? Build friendships, strengthen your body, your relationships and so much more.For more details or to locate a YMCA near you, visit ymca.org.There are a lot of ways to Live Well San Diego. Make it a great year! 2315

In recent years, I've noticed a rising -- and welcome -- resistance to helicopter parenting.We parents have heard all the stories about how anxious American children are, how they arrive at adulthood with hefty résumés but little sense of purpose, and want to do things differently. Our daughters' and sons' childhood will not be curated, nor their days boxed in!Of course, this hands-off approach is no less a fantasy, and a privileged one at that, than its more hands-on alternative. And the potential glitches of this laissez-faire plan are both inevitable and wide-ranging.Children need freedom, yes, but they also need us, their ostensibly wiser guardians, to pay attention to their particular needs and help them meet them. This is clearly the case with children with physical or mental disabilities or emotional disorders. But it can be a bit harder to navigate when a child is gifted. 900

INDIANAPOLIS, Ind. (WRTV) -- A woman who comforted a college student during her last moments after being struck by a school bus Monday hopes her family knows everyone did all they could for her.Fatima Hassuneh, 18, was crossing the street at the intersection of University Boulevard and New York Street on the Indiana University, Purdue University of Indianapolis campus around 1:30 p.m. Monday when a bus attempting to make a left-hand turn struck her.School officials said the bus was under contract with Indianapolis Public Schools, but owned by Durham Transportation. Witnesses and college officials say Hassuneh had the right of way.PREVIOUS | IUPUI?student struck, killed by school busHassuneh was a pre-med student who aspired to become a doctor, according to a post by the college's Muslim Student Association. “Fatima, an aspiring doctor, was a sophomore in biology and was known for her kind heart and sense of humor,” the Muslim Student Association wrote. “She was a gift among us and has returned to her Lord. She was very active in our community and would often lead interfaith events. May Allah allow her to continue to reap the benefits of those deeds.”At the time of the crash, Alysa Schultz and her boyfriend were sitting at a red light at the very same intersection. She told WRTV that as soon as she saw what happened, her boyfriend started calling 911 while she rushed to check on Hassuneh.“As I was kind of kneeling there next to her, all she was doing was just holding her hand out, so I just grabbed it and held onto it,” Schultz said. “People were getting mad, saying, ‘Don’t touch her. Don’t move her.’ But at the same time, that one little bit of humanity – just hold on to her hand – that’s probably all she wanted.”Schultz said she didn’t know Hassuneh – but that her friends and classmates have messaged her since telling her what a wonderful person she was.“I had a lot of people message me on Facebook saying how awesome of a person she was and how beautiful and smart and driven and how involved she was,” Schultz said. “I really wish I would have known her.”Schultz, a former Indiana University student herself, said she hopes Hassuneh’s family can take some comfort from all of the efforts made to save her.“I hope that her family knows that there were six people calling the police, four people running around the corner to grab any police who were nearby,” Shultz said. “Everybody was stopping and blocking off the road so that no one could come near the situation. Everyone at IUPUI was like a family doing everything they possibly could for her, and I really hope that’s comforting to the family.”An Islamic funeral prayer, a janaza, was planned for Tuesday night for Hassuneh at the Alhuda Foundation in Fishers. As of Tuesday afternoon, police were still investigating the crash. 2847

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

INDIANAPOLIS -- After Papa John's CEO John Schnatter blamed the NFL and protests during the national anthem for his company's falling pizza sales, he gained some new fans -- just ones he doesn't want. After Schnatter's comments, neo-Nazi website The Daily Stormer claimed Papa John's was the official pizza of the alt-right. The website posted a photo of a pizza with pepperoni in the shape of a swastika.Papa John's has since denounced its new supporters. 494