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It appears another week on Capitol Hill will come to a close without any sort of agreement on another stimulus plan. The US Senate adjourned on Thursday for the weekend, and won't resume until Monday.While Congressional Democrats, Senate Republicans and the White House are largely in agreement on the need for a stimulus, agreeing to a framework remains in question. The two sides are at odds over how much of unemployment should be supplemented by the federal government. There is also a debate on offering businesses liability protection from coronavirus-related lawsuits.On Thursday, House Speaker Nancy Pelosi said Democrats won’t back down from their request to have a 0 weekly unemployment supplement.“We're not having a short-term extension... We have said that we're going to have the 0,” Pelosi said.But what about criticism from Republicans that a 0 a week supplement to unemployment is more lucrative than working?“There are all kinds of reasons that weigh in on this pandemic,” Pelosi said. “People have to stay home if their children are not able to go to school or if they don't have childcare. There are a number of reasons. But none of them is 'I want to stay home because I make more money this way than other', maybe some of these employers could pay their workers more."Meanwhile at the White House, President Donald Trump said he is ready to take action on a few items via executive order if need be. With a federal student loan freeze set to lift in eight weeks, and eviction protection ending last week, Trump tweeted, “I’ve notified my staff to continue working on an Executive Order with respect to Payroll Tax Cut, Eviction Protections, Unemployment Extensions, and Student Loan Repayment Options” 1740

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

It's a frightening case of road rage that happened in broad daylight and spanned several communities.Now Police in Allen Park, Michigan are asking for the public's help in finding the man who was driving a black Nissan Altima with a damaged fender and out of state plates on the front and back of the vehicle. Detective Jim Thorburn with the Allen Park Police Department said the man chased another driver several miles and then unleashed at least eight rounds of gunfire at another driver in broad daylight on the southbound Southfield Fwy ramp to I-94. It all started with a fender bender around 3:30 p.m. on Sunday in Detroit, in the area of Chicago near Greenfield. The driver of a pick up truck tried to exchange information, he told police, when the black Nissan Altima driver pulled out a gun. That when he ran. "He was being chased by a Nissan Ultima and he had a big pick up truck and he thought by cutting through fields and stuff he would lose the Ultima," Thorburn said.But that didn't happen. The victim hopped on the Southfield Freeway southbound driving to the I-94 ramp, where the suspect who was still chasing him, opened fire. The victim was hit in the backside but was able to keep driving, he finally lost the shooter, pulled over in Taylor and called police. Police photos show the side of the pick up truck riddled with bullet holes. A big bullet hole in the head rest was a sign that the suspect was likely shooting to kill. The victim escaped with a superficial bullet wound to the backside. Today he said he is in pain, but recovering.  Police are hoping to find someone who might have seen the male suspect fire eight to nine gun shots through the passenger window of his black Nissan Ultima in broad daylight on the busy freeway. That Nissan Altima has front-end damage and out of state plates.    1937

It was frightening news that every parent dreads: Hours after the birth of their son, Jimmy Kimmel and his wife were informed by doctors that Billy had a complex heart condition and would need immediate surgery.That life-altering moment for the late-night comic has spurred a heated national debate about the ongoing Republican campaign to repeal the Affordable Care Act. On his show Tuesday night, Kimmel blasted one Republican senator in particular -- Louisiana's Bill Cassidy -- for having "lied right to my face."Kimmel was referring to Cassidy's vow earlier this year to only support a health care legislation if it passed a "Jimmy Kimmel test" -- that a child born with a congenital heart disease like Billy Kimmel would "be able to get everything she or he would need in that first year of life," the senator said on CNN in May. 843

It happens countless times on roads across America: a vehicle gets a flat tire, usually just a temporary inconvenience.But on one road near Redding, California, when a tire failed last month on a trailer and its rim scraped the asphalt, the result proved to be catastrophic for an entire region.The sparks that shot out July 23 from that minor incident, California fire officials said, ignited what is now the sixth-most destructive wildfire in state history.The Carr Fire blazed a fiery path along Highway 299, lighting up mile after mile of dry brush as it crept up on residential areas. 597