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SILVERADO CANYON (CNS) - A wind-driven brush fire in Silverado Canyon sparked by a house fire exploded to 7,200 acres Thursday, injuring two firefighters and growing rapidly as mandatory and voluntary evacuations were ordered for residents in a large portion of Orange County.The two firefighters injured worked for the Cleveland National Forest Service."They were treated on scene and transported to a local hospital," said Orange County Fire Authority Chief Brian Fennessy. "Their exact condition is unknown to me."Mandatory evacuations were in effect in the Modjeska, Silverado and Williams Canyon areas, Foothill Ranch and Portola Hills west of El Toro and north of the 241 Toll Road.Voluntary evacuations were issued for the following areas:-- Lake Forest, from the 241 Toll Road, along Bake Parkway to Musick and north to the border with Irvine and from the 241 Toll Road north to Bake Parkway to Foothill Ranch Community Ranch;-- Borrego Canyon;-- Baker Ranch;-- Portola Hills;-- Live Oak Canyon;-- Trabuco Canyon;-- Rose Canyon;-- Valley Vista Way;-- Meadow Ridge Drive;--Cowan and Lemon Heights.Evacuees were strongly encouraged to stay with family or friends or in a hotel, the OCFA said."Due to COVID-19, no congregate shelter is offered," the authority tweeted about 5:20 a.m. A temporary OC Red Cross evacuation point at Santiago Community College at 8405 E. Chapman Ave, Orange, was shut down and a new one was opened at El Modena High School, 3920 E. Spring St., Orange. Residents were asked to remain in their vehicles and wait for assistance.Officials have also opened another Red Cross evacuation point at El Toro High School at 25255 Toledo Way in Lake Forest.Fennessy urged residents to be prepared to move when necessary to clear the way for firefighters to battle the blaze."Even if you don't see smoke... If you have a concern the flames are a little bit too close, that's enough to have your belongings prepared to evacuate," Fennessy said. "You don't have to wait for us to call."Authorities are also concerned about a number of power poles and lines felled by the gusts in the area that could also delay residents from re- entering their homes.More than 500 firefighters were battling the blaze, OCFA Capt. Thanh Nguyen said. A helitanker dropped about 90,000 gallons of water on the flames overnight, Fennessy said.Orange County Sheriff Don Barnes said about 60 deputies have been deployed to assist with evacuations, traffic control and security in evacuated areas. All the department's deputies are on 12-hour patrols, he said."All days off are canceled to bring in all resources," Barnes said.Firefighters were investigating reports of multiple structures damaged or destroyed in the blaze, Nguyen said."We know a number of houses were damaged, potentially destroyed," Fennessy said. "We just don't have the details."Winds were blowing north to northeast 25 mph to 35 mph with gusts up to 65 mph and isolated gusts reaching up to 80 mph, according to the National Weather Service.But the winds died down some by the afternoon, OCFA Capt. Paul Holaday said."This morning around 5:30 a.m. to 6 a.m., it was starting to move toward Lake Forest, which prompted the mandatory evacuations for Portola Hills and Foothill Ranch," Nguyen said.The blaze is in the same area as the Silverado Fire in October, but there's still plenty of brush to fuel the flames now, Nguyen said."This time, it started in Silverado Canyon on the east side of Santiago Canyon Road and made its way to Santiago Canyon and jumped the road," Nguyen said. "The wind was pretty aggressive this morning when I was driving through."Water-dropping helicopters had to be grounded at 3 a.m., Nguyen said. They were able to resume between 7 a.m. to 8 a.m., he added.Officials said Orange County Animal Care would be accepting small household pets at the Tustin Facility at 1630 Victory Road.Orange County Fire Authority personnel responded to the 29400 block of Silverado Canyon Drive at about 10:15 p.m. Wednesday. No injuries were immediately reported.Ground crews were being assisted in the fight against the Bond Fire by fire helicopters and a helitanker, the OCFA said. More than 240 firefighters were on the scene, the OCFA said. The agency is in unified command with the U.S. Forest Service.The Orange County Sheriff's Department announced that the county's Emergency Operations Center was activated to support the firefighting effort. A public information hotline number was activated -- 714-628-7085 -- for residents to call for information on resources available for them.Residents were urged to stay informed of the most current information by monitoring @OCFA_PIO on Twitter. Also, a public safety map with evacuation orders and warnings was available at https://bit.ly/2Vy231m.Santiago Canyon Road from Jackson Ranch Road to the Eastern Transportation (241 Toll Road) Corridor was closed.The 261 toll road and Route 133 were also closed, Barnes said.The Irvine Police Department alerted residents that it is aware of the Bond Fire burning nearby and, while fire is visible from within the city, it was moving away from Irvine and there was no current threat to residents.Anaheim officials also tweeted that no immediate threat was seen in that city.Inland Orange County is under a red flag warning until 10 p.m. Saturday for extreme fire danger due to high winds and low relative humidity. 5400

Some credit mistakes are a lot worse than others. Little ones, like paying a credit card bill a day late, may cost you a penalty fee, but that’s a relatively minor irritation — it’s not going to stand between you and a mortgage. Other seemingly small slip-ups can lead to full-fledged disasters.What makes a credit mistake haunt you?Some things can be reversed quickly. Running up credit card bills can tank your credit score, for instance, because the portion of your credit limits you’re usingis weighed heavily in credit scoring. But when you pay down the debt, the damage disappears as lower balances get reported to the three major credit bureaus, Equifax, Experian and TransUnion.Mistakes that have long-running ripple effects hurt the most, says credit expert John Ulzheimer. A late payment, for example, can get sent to a collection agency, then perhaps grow into a repossession or bankruptcy. Those batter your credit and stay on your credit record for years. Likewise, co-signing a loan for someone who is later unable to pay can hamstring your finances for a long time.Common mistakes that can hurt your financesMissing a payment: A payment that’s a little late might cost you a penalty fee, but your credit score won’t suffer because creditors can’t report your account as delinquent until it’s 30 days past due. If you have a high score, going 30 days late can knock as much as 100 points off your score — and it stays on your credit report for seven years. The damage gets worse if you let the account slide to 60 days past due, 90 days past due or more. Your score can recover, but it will take time. Catching up on that account, and keeping all other payments up to date and balances low, can help.Raiding retirement funds to pay debt: Most people don’t want to file for bankruptcy. Almost half of Americans say they would not file no matter how much credit card debt they had, according to a recent study commissioned by NerdWallet. Bankruptcy attorney Roderick H. Martin of Marietta, Georgia, says some of his clients have tapped — or even emptied — retirement savings in a desperate attempt to stay afloat. That often just delays the inevitable — “then they turn around and file for bankruptcy,” he says. Retirement savings are typically protected in bankruptcy, but money already withdrawn cannot be recovered.Co-signing a loan: Aaron Smith, a financial planner in Glen Allen, Virginia, says co-signing so a friend or relative can get credit is often a mistake. “My personal and professional opinion is if they can’t get it on their own, there must be a problem,” he says. If the primary borrower doesn’t pay as agreed, it can leave both your relationship and your credit in tatters. Even if the borrower repays as agreed, remaining on the loan can limit your borrowing capacity. Before you co-sign, ask if you can be taken off the loan at some point.Sometimes doing nothing is the mistakeWe may think we’re too busy to trouble ourselves with fine print or financial chores. Either can come back to bite us.Not checking your credit: “I think checking your credit is like going to your dentist for a cleaning,” says Elaine King, a certified financial planner and founder of the Family and Money Matters Institute. “You need to make a habit of doing it. If you wait too long, there can be some rotten stuff there.”A credit report isn’t exciting reading; it’s a summary of your past handling of credit. But “boring” is what you want — anything you didn’t expect to see is worth investigating in case it’s an error or a sign of fraud. Through April 2021, you can get a free credit report weekly from the three major credit bureaus by using AnnualCreditReport.com. Plan to check at least annually, and more often is better.Ignoring the details: Not knowing your credit cards’ interest rates or when a 0% interest rate ends can cost you.Knowing interest rates can tell you which card to use when you’re paying for a new transmission and need to carry that balance for a while, for instance. Knowing when a teaser rate ends can help you ensure you’ve paid off the balance by then. It’s important to read the fine print. Some cards — primarily store cards — charge deferred interest if there is still a balance at the end of the introductory period. That means the “savings” from the teaser rate are added to your balance, wiping out any benefit.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletSmart Money Podcast: Remote Work Burnout and Saving for CollegeI Refinanced My Mortgage. Here’s What Happened to My Credit ScoreA New Set of Shopping Tips in the PandemicBev O’Shea is a writer at NerdWallet. Email: boshea@nerdwallet.com. Twitter: @BeverlyOShea. 4739

Senate Republicans on Thursday unveiled the substance of their tax reform bill, one week after their House colleagues released their own legislation.Some of the Senate GOP proposals will be welcomed by critics of the House bill. For instance, Senate tax writers will not propose curbing the mortgage interest deduction.But others will raise hackles. The Senate GOP plan would fully repeal the state and local tax deduction. 431

Several e-commerce websites took action to block the sale of merchandise promoting Southern Poverty Law Center-designated hate group Proud Boys and President Donald Trump's call during Tuesday's debate to "stand back" and "stand by."CBS News and Business Insider confirm that Amazon removed a T-shirt featuring the phrases "stand back" and "stand by" that included the initials PB surrounded by laurels — an insignia similar to the logo for Fred Perry, whose polo shirts the group has co-opted as a uniform.In statements to both CBS News and Business Insider, Amazon confirmed that it had removed the shirt from its platform. 633

Senate Majority Leader Mitch McConnell said he spoke with President Donald Trump from Vietnam about the Roy Moore situation, and will have "further discussions" with him when the President returns.McConnell said he believes the women who say that Moore pursued relationships with them when they were teenagers and while he was in his 30s. One woman said she was 14 years old when Moore initiated sexual contact with her. On Monday, a separate Alabama women alleged Moore sexually assaulted her when she was a teenager, and described her experience at a news conference, represented by attorney Gloria Allred."There's no question that there's a deep concern here," McConnell said Tuesday afternoon. "Roy Moore should step aside, the women who've come forward are entirely credible."Republicans across Congress have urged the GOP Alabama Senate nominee to abandon his bid, but he has shown no signs that he plans to drop out of the race. McConnell added Tuesday he has spoken about Moore with Vice President Mike Pence and White House chief of staff John Kelly.Sen. Cory Gardner, R-Colorado, has said that Moore should be expelled if he ends up in the Senate -- something that requires a two-thirds majority vote and hasn't been done in 155 years. Gardner, head of the Senate Republican campaign committee, released a stunning statement, stating clearly that if Moore "refuses to withdraw and wins, the Senate should vote to expel him."Asked if he agrees with Gardner that Moore should be expelled, McConnell told reporters on Tuesday that Moore is "obviously not fit to be in the United States Senate."Still, Moore's name will appear on the Alabama ballot in December. If he is elected, the Senate will have to decide what to do next."We've looked at all the options to try to prevent that from happening," McConnell added. "Obviously this close to the election, it's a very complicated matter."The-CNN-Wire 1914

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