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It was her second time lying numb in a hospital bed in North Bergen, New Jersey, with blood streaming down her legs and fear creeping into her heart.At that moment, Timoria McQueen Saba thought to herself, "there's no way in the world that I'm the only woman who had this happen," she said.In 2010, after giving birth vaginally to her oldest daughter, Gigi, one late afternoon in April, postpartum hemorrhage or excessive bleeding -- the leading cause of maternal death worldwide -- nearly killed her.Then, about a year later, she started bleeding profusely in the small bathroom of a frozen yogurt shop. The blood was from a miscarriage, which left her feeling helpless in that hospital bed. She didn't know she was pregnant."I was all the way back to where I was the year before, and I realized ... I hadn't healed from the near-fatal traumatic experience the year before," said Saba, now the 39-year-old mother of two girls.The former celebrity makeup artist, who saw clients such as novelists Candace Bushnell and Kyra Davis, decided to become a maternal health advocate, speaking on behalf of the 830 women who die from pregnancy- or childbirth-related complications every day around the world. That's about 303,000 a year.Each year in the United States, about 700 to 1,200 women die from pregnancy or childbirth complications, and black women like Saba are about three to four times more likely to die of pregnancy or delivery complications than white women.The quick-witted, savvy Saba said the data shocked her."It really took me a while to digest it," she said -- she survived something that many others around the world haven't."What was different about me? Why didn't I die? What were the reasons for that?" she asked. "I felt like I have a duty to tell this story, to represent my race in a way that not many people can, because I lived through it."  1875

In the span of just over a month, the number of people hospitalized with COVID-19 has doubled, as has the seven-day rolling average of the number of new cases and deaths linked to the virus every day.On Nov. 4, the U.S. was experiencing an upswing in new cases, with a then-record average of 89,000 new cases a day according to the COVID Tracking Project. However, hospitals were caring for a still-manageable 52,000 patients, and local health departments were reporting 859 deaths today — a tragic number, but nowhere near as high as the first weeks of the pandemic.But in just over a month, those numbers have skyrocketed. Reports of new infections now average more than 200,000 a day — a once-unthinkable figure. There are now a record 104,000 people being treated for COVID-19 in hospitals — a number that has completely overwhelmed nursing staffs across the country, particularly in rural areas.Finally, the U.S. is now losing an average of more than 2,600 people a day to COVID-19 — a number that exceeds the amount of life lost on the attack at Pearl Harbor, where 2,400 lives were lost. And according to health experts, the surge is only expected to worsen. Dr. Anthony Fauci, the nation's top infectious disease expert, says the U.S. has not yet felt the full force of the expected spik caused by extensive travel for Thanksgiving gatherings."The blip from Thanksgiving isn't even here yet," Fauci told CBS News on Tuesday. "So we're getting those staggering numbers of new cases and hospitalizations before we even feel the full brunt of the Thanksgiving holiday."There is some light at the end of the tunnel, as Americans are expected to begin receiving COVID-19 vaccinations in the coming days. However, the vaccines won't be widely available to all Americans until sometime in the spring. 1819

INDIANAPOLIS -- Administrators at the Charles A. Tindley Accelerated School say an instructional assistant was fired Tuesday after she was found in possession of a handgun on campus.Police were called to the school at 3960 Meadows Drive around 9 a.m. Tuesday on a report of a staff member with a handgun.Officers arrived and took 31-year-old Dominique Squires into custody on preliminary charges of carrying a handgun without a license.According to school administrators, Squires was employed as an instructional assistant at the facility. Tindley administrators said all proper procedures were followed and no students were in danger at any point during the incident.Administrators also said Squires’ employment with Tindley was terminated immediately for violating school policy.As of Wednesday afternoon, Squires had been released without bond. The case was awaiting a formal charging decision by the Marion County Prosecutor’s Office.A call to Squires seeking comment Wednesday was not immediately returned.  1025

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 black and white portrait photograph of John F. Kennedy. Underneath it, a handwritten message:"To Ambassador Estes -- With esteem and very warm regards, John F Kennedy."The document is believed to be the last thing President Kennedy signed in the Oval Office before he left on his fateful trip to Dallas.The photograph is now for sale at ,000, according to the Raab Collection, which is hosting the sale.The photo was signed on November 21, 1963 and was intended for Thomas Estes, the ambassador to Burkina Faso, who attended the final meeting President Kennedy held in the Oval Office.Estes recalled arriving at the White House on the morning of November 21 and playing with the President's son, John-John, while he awaited the meeting with the President.Estes entered the Oval Office and received the signed photograph. He then briefed the President on affairs in Burkina Faso.After the meeting ended, Kennedy left the Oval Office at 10:50 a.m. to helicopter over to Andrews Air Force Base.He would then fly to San Antonio, Texas.The next morning, in Dallas, he was assassinated. 1118