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OVERLAND PARK, Kan. — A United States Postal Service worker discovered a massive snake Friday while delivering the mail in Overland Park, Kansas.It's unclear when the red tail boa constrictor slithered onto the home in the Pinehurst neighborhood."The biggest snake I've ever seen! Looked like it had just had lunch," Holly Gibson, a neighbor said.The snake's size didn't make it easy for the responding animal control officer."It was too big for her to get and put in a box by herself so called in her boss, the police came," Gibson said. 556
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
PHOENIX — Besides being our best friends, there are plenty of important jobs our dogs can be good at, like assisting people with disabilities, arson investigations and police work. But is there a way to find out what is on a dog's resume before they go through all of that expensive training? Researchers at the University of Arizona believe they may have found a solution. It is called the Canine Aptitude Test and it is in the early stages of development. The test is for adult dogs and looks to see if a dog's cognitive behavior will dictate where they would have more success as a working dog. "With assistance dogs that help people with disabilities, only about 50 percent of the dogs who begin training ultimately make it through," said Arizona Canine Cognition Center Director Evan MacLean. That means that major amounts of money are going to the dogs with no return on investment.For those who rely on these pets to live their lives, they are forced to wait sometimes up to two years or more."If that were any other kind of medical procedure it would be, we would think about this as a horrible thing," MacLean explained. "I need this operation and there's a two-year waiting list to get it. So, we would do something about that. So we want to do something about that with the dogs, too." Shelby Smith spoke to the University of Arizona on the impact an assistance dog has had on her life with a disability."Picasso to me is more than independence ... he's my best friend," Smith said. "He's someone I lean on ... depend on to get through daily challenges that comes with having a disability." MacLean said that stories like Smith's pushed him to really ramp up his research."For a long time, we've been interested in whether you can predict which dogs will become good working dogs based on aspects of their psychology or their cognition," MacLean said. Their next step is to determine if they can see these skills in puppies as well as testing a dog's genetic makeup. 2097
People choose to volunteer for a variety of reasons but in San Diego we appreciate your gift of time. Besides offering the chance to give back to our community or make a difference to the people around you there is a real impact to the county. Through more than 46 volunteer programs, the County utilized over 34,765 volunteers providing a value to the County over million dollars! Your time and talent contribution truly make a difference.Live Well San Diego’s “Thriving” principle is a key component to quality-of-life for all San Diegans. When the community works together in effective and creative ways, greater results are achieved. Our region is thriving when we are: Engaging – Connecting – Flourishing. Volunteering is an important aspect of thriving. San Diego County is dedicated to identifying and supporting volunteer opportunities for targeted populations such as military/veterans, disabled, law enforcement, back-to-work, etc. ENGAGE: Residents can make their contributions to their communities and local government by putting their personal values into action and receiving training and work experience by volunteering for the County of San Diego. The best way for residents to find volunteer opportunities with the County of San Diego or one of our Live Well partners is to visit the Clerk of the Board website at www.sandiegocob.com (select County Volunteer Programs). CONNECT: The easiest way is to connect with what matters to you. There is always some way to give back that’s meaningful to you. 1586
OTAY MESA, Calif. (KGTV) - R.J. Donovan State Prison houses some of California’s most infamous inmates but is now getting attention for testing innovative rehabilitation methods.One of the projects is an ambitious, 1,000-foot long mural scaling the concrete walls of part of the prison known as Echo Yard.It’s being spearheaded by inmates Erik and Lyle Menendez. The two gained notoriety in the 1990s for their highly publicized murder trial, when they were convicted of killing their wealthy parents in their Beverly Hills home. At trial, they told jurors it was motivated by years of sexual abuse from their father.READ: Donovan State Prison's 'Echo Yard' takes innovative approach to rehabilitation, reduce recidivismAfter being convicted, they spent 20 years apart in separate prisons. But in April of 2018, they were reunited at Donovan State Prison in Echo Yard. 10News got a glimpse at their life together behind bars. Lyle and Erik declined to be interviewed but showed off part of the mural project they’ve been involved in.The mural depicts landmarks across San Diego including Balboa Park, the Point Cabrillo lighthouse and the historic Mission San Diego de Alcala.The project came about thanks to help from Brahman Kyrie, a volunteer who had been running yoga and meditation classes in the prison. “There’s got to be consequences but there also has to be the love,” said Kyrie.She said the idea of the murals came from a conversation with the Menendez brothers.“I spoke to Lyle and Erik who had been thinking about the beautification,” she recalled.WATCH: WHAT IS THE ECHO YARDWith the help of volunteers from SDSU and with outside donations from Visions Quality Coatings and Encore Art Paint, they began the project in 2019.Echo Yard is classified as a “mixed” yard, bringing together inmates of different security levels on the premise that they will coexist peacefully in exchange for some freedoms.“I do it for therapy, it keeps me grounded,” said inmate David Armstrong about the mural project.“It’s giving me a peace of mind,” echoed Ruben Radillo, an inmate who will be getting out of prison at the end of February after a 25-year sentence.“Don’t be afraid of me,” he said. “I’m going to be a good neighbor, thanks to projects like this. Absolutely.” 2277