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In late September, after racist slurs were found on the message boards of five black cadet candidates at the Air Force Academy Preparatory School, the school's superintendent was angry.Lt. Gen. Jay Silveria told cadets to line up and pull out their phones to remember his message, and he forcefully denounced racism and intolerance."If you're outraged by those words, then you're in the right place. That kind of behavior has no place at the Prep School," Silveria said.The speech was posted on Air Force Academy's Facebook page and quickly went viral. The Air Force launched an internal investigation to find the culprit.But on Tuesday, Air Force Academy officials said that one of the black cadet candidates actually wrote the racist messages."We can confirm that one of the cadet candidates who was allegedly targeted by racist remarks written outside their dorm room was actually responsible for the act," the Academy said in a written statement. "The individual admitted responsibility and this was validated by the investigation."The vandalism was written in black marker on a dorm whiteboard with the phrase "go home (expletive)."Lt. Col. Allen Herritage, director of public affairs with the Academy, said that the cadet responsible admitted his guilt when confronted. The individual has "received administrative punishment" and is no longer at the preparatory school, Herritage said.The four other students that were the target of the vandalism are still at the Prep School, which is on the same campus in Colorado Springs, Colorado, as the Air Force Academy. The Prep School helps ready about 240 cadets each year to enter the academy.'This is our institution'Silveria, the Academy's superintendent, made clear in his speech in September that there would be no tolerance for racist rhetoric at the Academy."If you can't treat someone from another gender, whether that's a man or a woman, with dignity and respect, then you need to get out," he said. "If you demean someone in any way, then you need to get out. And if you can't treat someone from another race or different color skin with dignity and respect, then you need to get out.""This is our institution, and no one can take away our values," Silveria added. "No one can write on a board and question our values. No one can take that away from us."Although the hateful graffiti was revealed to be a hoax, the Air Force Academy affirmed that same message of dignity respect in a statement on Tuesday."Racism has no place at the Academy, in any shape or form. We will continue to create a climate of dignity and respect for all, encourage ideas that do so, and hold those who fail to uphold these standards accountable."Silveria said in a statement on Tuesday that his speech remained relevant despite the investigation's outcome."Regardless of the circumstances under which those words were written, they were written, and that deserved to be addressed," he said. "You can never overemphasize the need for a culture of dignity and respect and those who don't understand those concepts aren't welcome here."The-CNN-Wire 3091

INDIANAPOLIS — A member of Congress has introduced a bill taking aim at protesters. The "Support Peaceful Protest Act," introduced by Indiana Rep. Jim Banks, would ban protesters convicted on crimes such as violence, looting, or vandalism from federal unemployment assistance. It was introduced on August 28, following several nights of demonstrations in Kenosha, Wisconsin. Protesters would also be held financially liable for the cost of federal policing.In a press release, Banks said:"Antifa thugs are descending on suffering communities, disrupting peaceful protests and leaving violence, looting and vandalism in their wake. They turned Milwaukee, Seattle and Portland into warzones, and now they're moving the chaos to Kenosha, Wisconsin. Who knows which community is next?"The bill is not expected to move in Congress. While the 0 federal boost to unemployment ended in July, some states, including Indiana, have opted in to an extra 0 in federal assistance. This story originally reported by Konah Williams on wrtv.com. 1043

It's said a penny saved is a penny earned. But a penny exchanged with a 10% return rate is a financially friendly investment.From the Texas panhandle to southeast Wisconsin, banks across the country are launching coin buyback programs amid a nationwide shortage."We just wanted to be prepared to take care of all of our customers and not leave them short," Erik Schrader of Amarillo National Bank said.Schrader says anyone can bring in up to ,000 in coins to Amarillo National locations and swap them for 10% more in cash. So far, he says the trade-off is paying off for both people and banks."I've never seen a coin shortage. We have had lows throughout time, but never anything we thought was a problem," he said. "But luckily, we were able to get out ahead of this."Some customers aren't even looking to cash in. Neil Buchanan of Community State Bank in Wisconsin says many customers are simply exchanging the coins for bills and not taking the 5% incentive."We've had a lot of people come in and say, "No, no. I don't want the bonus. I just heard that there was a problem. I have this coin. I want to be part of the solution.,'" he said.Economic experts say the coin shortage is linked to the pandemic."There was a decline in supply of coins by the mints and there was an increase in demand for the coins as we all got back to getting the groceries," said Kishore Kulkarni, Ph.D., a professor of economics at MSU Denver.Kulkarni said countries around the world have suffered from coin shortages before, and while these types of coin buyback programs do help the economy, more transactions in the future will require less exact change."We are in a cashless society already, and we will be more so moving forward," Kulkarni said.Moving forward financially, Amarillo National Bank will continue exchanging coins for cash through Sept. 1. Community State Bank has received so many coins that it ended its buyback program. 1931

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, Ind. – A U.S. senator from Indiana wants to make violence or attempted violence against police officers a federal crime.Sen. Mike Braun, R-Indiana, signed on to the Protect and Serve Act, which would make violence or attempted violence to local, state, and federal law enforcement officers a federal crime.The bill was introduced Thursday by Sen. Thom Tillis, R-NC.The act would make violators of serious bodily injury or attempted serious bodily injury subject to prison for up to 10 years. If the offense involves murder, attempted murder, kidnapping, or attempted kidnapping, the offender could receive a life sentence.“Criminals who target police officers should pay the highest penalty possible,” Braun said. “Our brave men and women in law enforcement put their lives on the line every day so we can live in safety, and the cowards who seek to harm them need to be sent a clear message: Target police, and you will pay.”The bill comes after two Los Angeles police officers were ambushed and shot over the weekend.The act has been endorsed by the Fraternal Order of Police, Federal Law Enforcement Officers Association, and the National Association of Police Organizations.A similar bill passed the House in 2018.This story was first reported by Matt McKinney at WRTV in Indianapolis, Indiana. 1320