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In many ways, we have come a long way since March when the pandemic first began, but in other ways, we have not.Infections and hospitalizations around the country from COVID-19 are rising quickly, as the United States just surpassed 250,000 deaths from COVID-19. The country is also setting records for the number of positive coronavirus cases. It has forced states to consider similar shutdown measures to the ones we saw in spring.Michigan, Washington state, Oregon, and New Mexico are mostly closed, as states like Colorado have recently announced more closures coming this weekend, including moving restaurants to take-out and delivery only.“It has been very busy [in the ICU] and it has really, as you mentioned, gone up in the last two weeks,” said Dr. Julia Limes of UCHealth in Colorado.Dr. Limes has been spending the last few weeks working out logistics for the ICU at the University of Colorado Anschutz Medical Center.“We have started deploying people from other parts in the hospital to come and help us on both the COVID floors and in the COVID ICU,” said Dr. Limes.“We already surpassed the numbers from the first surge, so it’s like what’s next?” added Maddie Smith, a critical care nurse in the hospital’s COVID-19 ICU.Smith has worked in the hospital’s COVID-19 ICU since March. She says the fear, stress, and unpredictability of this current surge might have consumed her once more if it was not for the lessons learned in the COVID-19 unit during the spring months.“We just know how to treat them better, and we know how to intervene with interventions, so that’s been really helpful,” said Smith.In the spring, hospitals were experimenting with different drugs to treat serious COVID-19 complications. Since then, the FDA has approved Remdesivir as a treatment option for certain patients 12 and older, based on findings that it helped some patients recover faster.Smith says doctors and nurses are now more familiar with the arc of how a patient might respond to symptoms so they can manage bed space and ventilator use better.All this comes as both Moderna and Pfizer announced this week they have both developed vaccines with 95 percent effectiveness.“[Caring for patients] is easier and it’s smoother than it was in the spring,” said Dr. Limes.Not only has patient care gained more clarity, but so too has self-care on the part of first responders, according to Smith.“It was hard,” she said. “I think the biggest part that got to all of us is these people don’t have family to be with. That first surge, it all hit us pretty hard because of the sadness that happened down here. We just kind of lean on each other to get through it.”How far this current wave will go is unknown, but by drawing from the past, these first responders say they will be ready to deal with it no matter what is thrown their way.“We just have a better sense of the trajectory, and that is hugely valuable as we go into this next surge,” said Dr. Limes. 2962

INDIANAPOLIS — Kohl's says an issue with their third-party payment system is to blame for holds on customer accounts, unfilled Black Friday orders and even some customers being charged multiple times.Bailey Webster said she ordered a gaming system online on Black Friday at Kohls.com. When she woke up Saturday morning, Webster says she had an email from Kohl's saying the order was canceled because the item was sold out. Instead of canceling the order immediately and returning her funds, Webster said Kohl's tried to re-charge for the item, which was still out of stock.  592

In congratulating president-elect Joe Biden on Monday, former Democratic presidential nominee Hillary Clinton publicly called for the Electoral College to be abolished and advocated for the presidential election to be decided by the popular vote."I believe we should abolish the Electoral College and select our president by the winner of the popular vote, same as every other office," Clinton tweeted Monday. "But while it still exists, I was proud to cast my vote in New York for Joe Biden and Kamala Harris."The Electoral College upheld Biden's victory over President Donald Trump on Tuesday, as he received the expected 306 electoral votes he won in the 2020 election. Clinton served as one of the 29 electors from the state of New York who cast their vote for Biden on Monday. 789

In the largest U.S. evacuation of the pandemic, more than half a million people were ordered to flee the Gulf Coast on Tuesday as Laura strengthened into a hurricane that forecasters said could slam Texas and Louisiana with ferocious winds, heavy flooding and the power to push seawater miles inland.More than 385,000 residents were told to flee the Texas cities of Beaumont, Galveston and Port Arthur, and another 200,000 were ordered to leave low-lying Calcasieu Parish in southwestern Louisiana, where forecasters said as much as 13 feet (4 meters) of storm surge topped by waves could submerge whole communities.Forecasters Tuesday night expected the storm to increase in strength by 33%, from 90 mph (144 kmh) to 120 mph (193 kmh) in just 24 hours. They project Laura to strike the coast as a major Category 3 hurricane. The strengthening may slow or stop just before landfall, forecasters said.“The waters are warm enough everywhere there to support a major hurricane, Category 3 or even higher. The waters are very warm where the storm is now and will be for the entire path up until the Gulf Coast,” National Hurricane Center Deputy Director Ed Rappaport said.Louisiana Gov. John Bel Edwards said Laura is shaping up to look a lot like Hurricane Rita did 15 years ago when it ravaged southwest Louisiana.“We’re going to have significant flooding in places that don’t normally see it,” he said.Ocean water was expected to push onto land along more than 450 miles (724 kilometers) of coast from Texas to Mississippi. Hurricane warnings were issued from San Luis Pass, Texas, to Intracoastal City, Louisiana, and storm surge warnings from the Port Arthur, Texas, flood protection system to the mouth of the Mississippi River.The evacuations could get even bigger if the storm’s track veers to the east or west, said Craig Fugate, the former head of the Federal Emergency Management Agency.Fearing that people would not evacuate in time, Edwards said those in southwest Louisiana need to be where they intend to ride out Laura by noon Wednesday, when the state will start feeling the storm’s effects.Officials urged people to stay with relatives or in hotel rooms to avoid spreading the virus that causes COVID-19. Buses were stocked with protective equipment and disinfectant, and they would carry fewer passengers to keep people apart, Texas officials said.Whitney Frazier, 29, of Beaumont spent Tuesday morning trying to get transportation to a high school where she could board a bus to leave the area.“Especially with everything with COVID going on already on top of a mandatory evacuation, it’s very stressful,” Frazier said.The storm also imperiled a center of the U.S. energy industry. The government said 84% of Gulf oil production and an estimated 61% of natural gas production were shut down. Nearly 300 platforms have been evacuated.While oil prices often spike before a major storm as production slows, consumers are unlikely to see big price changes because the pandemic decimated demand for fuel.As of Tuesday evening, Laura was 435 miles (700 kilometers) southeast of Lake Charles, Louisiana, traveling west-northwest at 17 mph (28 kmh). Its peak winds were 85 mph (140 kph).Laura passed Cuba after killing nearly two dozen people on the island of Hispaniola, including 20 in Haiti and three in the Dominican Republic, where it knocked out power and caused intense flooding. The deaths reportedly included a 10-year-old girl whose home was hit by a tree and a mother and young son crushed by a collapsing wall.As much as 15 inches (38 centimeters) of rain could fall in some parts of Louisiana, said Donald Jones, a National Weather Service meteorologist in Lake Charles, Louisiana.At Grand Isle, Louisiana, Nicole Fantiny said she planned to ride out the hurricane on the barrier island along with a few dozen other people.“It could still change, but we keep on hoping and praying that it keeps on going further west like it’s doing,” said Fantiny, who manages a restaurant.In Galveston and Port Arthur, Texas, mandatory evacuation orders went into effect shortly before daybreak Tuesday. “If you decide to stay, you’re staying on your own,” Port Arthur Mayor Thurman Bartie said.Shelters opened with cots set farther apart to curb coronavirus infections. People planning to enter shelters were told to bring just one bag of personal belongings each, and a mask to reduce the spread of coronavirus.“Hopefully it’s not that threatening to people, to lives, because people are hesitant to go anywhere due to COVID,” Robert Duffy said as he placed sandbags around his home in Morgan City, Louisiana. “Nobody wants to sleep on a gym floor with 200 other people. It’s kind of hard to do social distancing.”Officials in Houston asked residents to prepare supplies in case they lose power for a few days or need to evacuate homes along the coast. Some in the area are still recovering from Hurricane Harvey three years ago.Laura’s arrival comes just days before the Aug. 29 anniversary of Hurricane Katrina, which breached the levees in New Orleans, flattened much of the Mississippi coast and killed as many as 1,800 people in 2005. Less than a month later, Hurricane Rita struck southwest Louisiana as a Category 3 storm.Laura wasn’t much of a concern for Kerry Joe Richard of Stephensville, Louisiana. As the storm approached, he was angling for catfish from a small dock overlooking the bayou that’s behind his elevated wood-frame home.“The only thing I’m worried about is if the fish quit biting,” he said.___Plaisance reported from Stephensville, Louisiana. Associated Press writers Juan Lozano in Houston; Jeff Martin in Marietta, Georgia; Seth Borenstein in Kensington, Maryland; Melinda Deslatte in Baton Rouge; Louisiana; Kevin McGill in New Orleans; Jay Reeves in Birmingham, Alabama; Evens Sanon in Port-au-Prince, Haiti; Cathy Bussewitz in New York; and Paul Weber in Austin, Texas, contributed to this report. 5945

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