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It was supposed to be a raucous, week-long, open floor debate on immigration -- the President's signature issue and such a contentious topic that Democrats shut the government down over it just a month ago.Instead, it was the incredible shrinking immigration debate, which lasted roughly one hour on the floor and ended without a single amendment passing to protect DACA recipients or send a cent of funding for President Donald Trump's border wall."I'm ready to move on," said Louisiana Republican Sen. John Kennedy. "We wasted a whole week here. And I'm ready to move on. There are other issues in front of us."Fingers were pointed in all directions as members retreated from the floor, defeated, frustrated and downright mad that after weeks of negotiations, the best chance they had to broker a deal ended without any resolution for a population everyone agreed they had wanted to help.A group of bipartisan lawmakers -- the same group responsible for helping end a government shutdown weeks before -- fumed at the White House's treatment of their proposal, which they argued could have inched toward passage, had the White House stayed on the sidelines rather than actively lobbied against them.On the floor of the Senate, Sen. Susan Collins, a moderate Republican from Maine, was frustrated that the amendment her group had brokered without Sen. Chuck Schumer, the Democratic leader, was being referred to as the Schumer amendment. The name undermined the entire point of her group's efforts: that it had been reached by the middle, not by party leaders. Collins could be heard telling colleagues that the move was "so wrong."Sen. Mike Rounds, a Republican from South Dakota, acknowledged "there were a few games being played.""You don't forget 'em, but you just roll with them," Rounds said.Just hours after senators had reached an agreement on a plan that provided a path to citizenship for DACA recipients in exchange for billion in border security, the administration began their effort to undermine the amendment. President Donald Trump issued a veto threat. And in a briefing call with reporters Thursday, two administration officials, one of them a White House official, called the bill "outrageous" and "irresponsible," and argued it would "put many innocent lives at risk.""The bill is so spectacularly poorly drafted, I mean unless you imagine it was drafted for the purpose of gutting immigration enforcement," the White House official said, before the officials criticized Sen. Lindsey Graham, R-South Carolina, who fought back."I could care less about what an anonymous White House official says. I'm looking for leadership from the White House, not demagoguery," Graham told reporters.Sen. Chris Coons, a Democrat from Delaware, said he blamed the White House "a great deal.""It is striking to me that the White House and the Department of Homeland security actively and aggressively campaigned against the McCain-Coons bill and the bipartisan Rounds-King bill and yet both of those bills got more votes significantly then the White House- initiated Grassley bill," Coons said.Sen. Lisa Murkowski, a Republican from Alaska, lamented that the White House had missed an opportunity."I fear that you've got some within the White House that have not yet figured out that legislation almost by its very definition is a compromise product and compromise doesn't mean getting four Republicans together and figuring out what it is that those four agree on, it is broader," she said.GOP efforts to kill amendment 3535

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

In hopes of boosting international travel, American Airlines said it will begin offering coronavirus testing on some international flights leaving Miami, as well as flights to Hawaii out of Dallas.In cooperation with the governments of Jamaica and the Bahamas, American Airlines will be testing passengers for the coronavirus before flights out of Miami starting next month.The airline said that flights from Miami to Jamaica will allow for Jamaica residents to take a test, which will allow for a 14-day mandatory quarantine to be waved if the test comes back negative. The goal of the program is to eventually open the country to US citizens looking for a getaway.American Airlines said coronavirus testing will also be available for those flying from Miami to the Bahamas. Details of that program are still being worked out.Preflight testing will also be available for those flying from Dallas to Hawaii. The program will begin Oct. 15, and allow travelers three options: In at-home test, an in-person test at an urgent care, an or on-site rapid test available at Dallas-Fort Worth Airport. The tests must be completed within 72 hours of a flight.“The pandemic has changed our business in ways we never could have expected, but all the while, the entire American Airlines team has eagerly tackled the challenge of reimagining the way we deliver a safe, healthy and enjoyable travel experience for our customers,” said Robert Isom, President of American Airlines. “Our plan for this initial phase of preflight testing reflects the ingenuity and care our team is putting into rebuilding confidence in air travel, and we view this as an important step in our work to accelerate an eventual recovery of demand.” 1718

It only took a little over 15 minutes for Ed Bledsoe to lose three lives that meant the world to him -- his wife and their two great-grandchildren.He had left his home in Shasta County, California, on Thursday to go to the doctor, he told CNN on Sunday. The Carr Fire had been burning for four days at that point and Bledsoe said he didn't realize the fire was coming into his neighborhood.He also said his family was never told to evacuate.While he was out, his 70-year-old wife, Melody Bledsoe, called and told him she could see the fire and that he needed to come get her and their great-grandchildren, 4-year-old Emily Roberts and 5-year-old James Roberts, who Ed Bledsoe called "Junior.""I said 'I'm on my way.' So I just throwed down everything and took off," he said.Ed Bledsoe said he wasn't able to use his usual route to get home because of traffic congestion in the fire area, so he left his car and tried to make it home on foot but that, too, was not possible."I took off running down there (toward his house) and I helped some guy that got burnt ... I got him and helped him out of there and when I got back down there the fire was" -- Bledsoe paused, seeming to search for a word to accurately convey the chaos -- "the fire was ... just intense."But I still tried to get down in there and they come and stopped me and wouldn't let me get down in there."Bledsoe said he got back in his car and sped through an alternate route, passing "everybody in the dirt" but still could not get to his house.At the same time, his sons also tried to get to the house, he said, and heat and flames were so intense as one son tried "it burned his hair off. It took his breath," adding that his son's house was also on fire. In those final minutes, unable to get to his wife and their great-grandchildren, Bledsoe was able to get through on the phone.Bledsoe broke into sobs as he described the words that passed between them."He just kept saying 'Grandpa, come and get me," Bledsoe said, referring to 5-year-old James. "'The fire's coming in the back door. C'mon Grandpa.' I said 'I'm right down the road.'"His granddaughter and wife were also on the phone, he said."Emily says, 'I love you, Grandpa.' Grandma said 'I love you, Grandpa ...' Junior said, 'I love you ... come and get us ... come and get us ...' I said 'I'm on my way ... ' He talked until he died." 2371

It has been the biggest secret in American politics for weeks: Who will be Joe Biden's running mate? On Tuesday, Biden announced that Sen. Kamala Harris will be his running make this November. Harris formerly opposed Biden for the Democratic nomination, and could become the first ever woman elected in a US national election. Biden's pick was not leaked beforehand, marking a rare instance in the echo chamber of Washington where news spreads quickly.So how has Biden been able to keep this process such a secret? SMALL TEAMOne major reason is the fact that Biden had a small teaming vetting potential picks. Former Connecticut Sen. Chris Dodd, Delaware Rep. Lisa Blunt Rochester, Los Angeles Mayor Eric Garcetti and longtime Biden aide Cynthia Hogan served as co-chairs on the vetting committee.Former White House counsel Bob Bauer, campaign general counsel Dana Remus and former homeland security adviser Lisa Monaco also were involved. Beyond that however, many top advisers were not invited to vetting meetings. That prevented leaks. VIRTUAL MEETINGSMany of the contenders met with Joe Biden virtually. It's a lot easier to keep a meeting secret when it's not done face to face. The candidates, all women, also kept their interactions with Biden a secret. It wasn't until several days after that Michigan Governor's Gretchen Whitmer's meeting with Biden was revealed.AIRPORTSA popular past time for political journalists is to track private aircrafts flying into airports near Biden's home. In recent years, VP picks have all flown via private aircraft once they've been picked. Biden's home, however, is centrally located to around a dozen airports within a 2-hour drive. Philadelphia International Airport's private terminal is only a 25 minute drive from his house. 1783

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