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It looks like TikTok has more competition - this time from Facebook.On Wednesday, Facebook launched Instagram Reels, an app that allows users to record 15-second clips set to music, editing the clips by adding effects and filters.The announcement was posted on blog posts from Instagram and Facebook."Reels gives people new ways to express themselves, discover more of what they love on Instagram, and help anyone with the ambition of becoming a creator take center stage," Instagram said in the blog post.The app will be made available to download from the App Store and Google Play Store for free on Monday. 617

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

INTERACTIVE MAP: Where the Camp Fire is burning in northern CaliforniaPARADISE, Calif. (AP) — Not a single resident of Paradise can be seen anywhere in town after most of them fled the burning Northern California community that may be lost forever. Abandoned, charred vehicles cluttered the main thoroughfare, evidence of the panicked evacuation a day earlier.Most of its buildings are in ruin. Entire neighborhoods are leveled. The business district is destroyed. In a single day, this Sierra Nevada foothill town of 27,000 founded in the 1800s was largely incinerated by flames that moved so fast there was nothing firefighters could do.Only a day after it began, the blaze that started outside the hilly town of Paradise had grown on Friday to nearly 140 square miles (360 square kilometers) and destroyed more than 6,700 structures, almost all of them homes, making it California's most destructive wildfire since record-keeping began.Nine people have been found dead, some inside their cars and others outside vehicles or homes after a desperate evacuation that Butte County Sheriff Kory Honea called "the worst-case scenario." Their identities were not yet known."It is what we feared for a long time," Honea said, noting there was no time to knock on residents' doors one-by-one.With fires also burning in Southern California , state officials put the total number of people forced from their homes at more than 200,000. Evacuation orders included the entire city of Malibu, which is home to 13,000, among them some of Hollywood's biggest stars.President Donald Trump issued an emergency declaration providing federal funds for Butte, Ventura and Los Angeles counties. He later threatened to withhold federal payments to California, claiming its forest management is "so poor." Trump said via Twitter Saturday that "there is no reason for these massive, deadly and costly fires in California." Trump said "billions of dollars are given each year, with so many lives lost, all because of gross mismanagement of the forests. Remedy now, or no more Fed payments!"The fire in Paradise, about 180 miles (290 kilometers) northeast of San Francisco, was still burning out of control Friday.A thick, yellow haze hung in the air, giving the appearance of twilight in the middle of the day. Some of the "majestic oaks" the town boasts of on its website still have fires burning in their trunks. Thick wooden posts holding up guardrails continued to burn.Thursday morning's evacuation order set off a desperate exodus in which many frantic motorists got stuck in gridlocked traffic. Many abandoned their vehicles to flee on foot as the flames bore down on all sides."The fire was so close I could feel it in my car through rolled up windows," said Rita Miller, who fled Paradise with her disabled mother.The town, situated on a ridge between two valleys, was a popular retirement community, raising concerns of elderly and immobile residents who have been reported missing.On the outskirts of town, Patrick Knuthson, a fourth-generation resident, said only two of the 22 homes that once stood on his street are still there — his and a neighbor's."The fire burned from one house, to the next house, to the next house until they were pretty much all gone," Knuthson said. He worked side-by-side with neighbors all night, using a backhoe to create a fire line, determined not to lose his house this time."I lost my home in 2008, and it's something you can't really describe until you go through it," said Knuthson, who battled flames eight feet or taller as strong winds whipped hot embers around him. He worked so long in the flames and smoke that he needed to use oxygen Thursday night at his home, but he refused to leave.On Friday, Knuthson was covered from head to toe in black soot. His tiny town will never be the same, he said. The bucolic country landscape dotted with bay and oak trees will take years to recover.In the town's central shopping area, there was little left but rubble.St. Nicolas Church still stands, a rare exception. The nearby New Life church is gone. An unblemished Burger King sign rises above a pile of charred rubble. The metal patio tables are the only recognizable things under Mama Celeste's pizzeria sign. Only blackened debris remains behind the Happy Garden Chinese Restaurant sign touting its sushi. Seven burned out Mercedes chassis are all that's left of Ernst Mercedes Specialist lot.City Hall survived. But the Moose Lodge and Chamber of Commerce buildings didn't.The town's 100-bed hospital is still standing, but two of its smaller buildings, including an outpatient clinic, are flattened. The Adventist Feather River Hospital evacuated its 60 patients in a frantic rush when the evacuation order came Thursday morning. Some were forced back by clogged roads, but all of them eventually made it out, some in dramatic fashion.On the outskirts of Paradise, Krystin Harvey lost her mobile home. She described a town rich with historical charm, until a day ago."It was an old country town. It had the old buildings lined up along the walkway," she said. "Almost all businesses were locally owned and included an assortment of antique shops, thrift stores, small restaurants, two bars and lots of churches."Harvey wondered if the town's traditions would survive. The town was famous for the discovery of a 54-pound gold nugget in the 1800s, which eventually prompted a festival known as Gold Nugget Days. The highlight of the festival is a parade that features a Gold Nugget Queen."My daughter's going out for the gold nugget queen this year," said Harvey, then she paused. "Well, it's been going for 100 years, but we don't know — there's no town now."People in Paradise, like so many in California, have become accustomed to wildfires, and many said they were well prepared. They kept their gutters clean, some kept pumps in their swimming pools and had fire hoses. But the ferocity and speed of this blaze overwhelmed those preparations.Drought, warmer weather attributed to climate change and home construction deeper into forests have led to more destructive wildfire seasons that have been starting earlier and lasting longer.Just 100 miles north of Paradise, the sixth most destructive wildfire in California history hit in July and August and was also one of the earliest. Called the Carr Fire, near Redding, it killed eight people, burned about 1,100 homes and consumed 358 square miles (927 square kilometers) before it was contained.Paradise town Councilmember Melissa Schuster lost her 16-acre Chapelle de L'Artiste retreat, a posh property with a chapel, pond and pool. But Friday she was clinging to two furry glimmers of hope: Shyann and Twinkle Star Heart."Our llamas," she said. "Somehow they made it through."Schuster said they stopped trying to hook up a trailer for the animals and fled their home and property with just their three cats on Thursday when the day turned pitch black as fire roared in."It's Paradise," she said. "It's always been Paradise, and we will bring it back."___Associated Press writers Don Thompson in Chico and Jocelyn Gecker, Janie Har, Martha Mendoza, Daisy Nguyen, Olga R. Rodriguez and Sudhin Thanawala in San Francisco contributed to this report. Darlene Superville contributed from Paris. 7290

In the 45 weeks since the year began, 43 law enforcement officers across the US have been shot and killed in the line of duty, including a sheriff's deputy responding to a mass shooting at a bar in California this week.The parameters CNN followed in this count are: 273

It was a feel-good story that captured hearts everywhere, but it turns out it was all a scam to get money.A homeless man gave his last to a woman stranded on a highway after she ran out of gas. To show their appreciation, the woman and her boyfriend started a GoFundMe page for the homeless man and raised more than 0,000. But in an unexpected twist, the couple and the homeless man are charged with making up the story in a scheme to get money.“[This] highlights the promise and the peril of these sites,” says Anna Laitin, with Consumer Reports. “These incredible stories come out; people really touched by this and obviously wanted to help, wanted to give money. Now it's not clear the story was true.”The website GoFraudMe tracks scams on personal crowdfunding sites and has found more than 200 cases in the past five years.Consumer Reports admits it can be a challenge to know if you're giving to a legitimate cause.“It’s really hard. You really have to read carefully and think,” Laitin says. “And maybe give to ones where you know the person personally or you know somebody who can vouch for it, because otherwise you can get caught up especially in these viral ones.”Also, pay attention to how much money is needed and how much has already been donated. If somebody's asking for ,000, and that's what they need, there's no reason to go far above that.For more information on how to report fraud crowdfunding sources or to learn more about other crowdfunding cases, visit GoFraudMe. 1507