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Petty Facebook drama can be uncomfortable and a little tacky but generally speaking, no one's really worried about going to jail over it.That is, until Anne King and a friend found themselves behind bars for a few hours in 2015 after bad-mouthing King's ex-husband, a sheriff's deputy in Washington County, Georgia, on Facebook. Now King is suing her ex and his colleague for violating her constitutional rights.A short Facebook tiff results in jail time 462
People gathered outside Marjory Stoneman Douglas High School paying tribute to victims with flowers and teddy bears for six weeks after the shooting. When students return from Spring Break on Monday, those mementos will be gone.Volunteers dismantled the makeshift memorial on Wednesday. They took away the 17 white crosses and Jewish stars bearing the names of the students and faculty killed in the Valentine's Day shooting.Students, parents and friends of the victims sorted through dozens of hand-written letters, poems and photos that stretched along the school's wire fence. 587
PARADISE, Calif. (AP) — Butte County Sheriff Kory Honea says his department has reports of 110 people still missing in a massive Northern California wildfire that has scorched 164 square miles.Honea says he's hopeful that more of those missing people will be located. The department initially had more than 500 calls about citizens who were unable to reach loved ones.But he says they've been able to help locate many.LIVE BLOG: Several wildfires burning in CaliforniaNext he says sheriff's officials will be cross-checking their list with official shelters to search for the remaining missing.Honea said Saturday that 23 people have died in the fire near Paradise, about 180 miles (290 kilometers) northeast of San Francisco. 739
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
Police in Paris have fired tear gas and used water cannon against protesters on the Champs Elysées, in the center of the French capital.The "yellow vest" protests, which began as a campaign against rising gas prices, have morphed into a wider demonstration against the government of President Emmanuel Macron in recent weeks.Police say they have mobilized 3,000 officers in Paris to contain the 8,000 protesters. A security perimeter has been set up in the city center, with government buildings protected. Three people have been arrested so far.At a news conference on Saturday, French Interior Minister Christophe Castaner blamed the clashes on far-right extremists infiltrating the demonstrations."Today, the far right has mobilized," he told reporters. "The security forces perfectly anticipated this situation."Far-right political leader Marine Le Pen rejected the accusations, describing it as a "pathetic and dishonest" form of "political manipulation" by the government.Earlier Castaner said of the protesters: "Their freedom of expression will be guaranteed, but it must not be exercised to the detriment of security, public order and the right of everybody to come and go. There is no liberty without public order."Last weekend a protester was accidentally run over and killed by a car, and more than 200 people were injured during a demonstration in eastern France. 1384