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People are taking a lot more road trips because their traditional travel plans have been canceled due to COVID-19.Many are renting RVs for the first time. RV rental website Outdoorsy said in May and June, 93% of their bookings were first timers.“The first thing I would say is don’t worry, you know a lot of the worry is up in your head, because these recreational vehicles looking larger and scary and intimidating to drive," said Jennifer Young, co-found and CMO of Outdoorsy.Young says owners renting on the website are willing to walk an RV newbie through the entire process. If you don't want to drive one, they can come to you and set it up.Insurance is covered for everyone when you rent online.First time renters should really focus on researching where they want to stay.“There are thousands and thousands of private RV parks, national parks, state level parks and BLM lands, free camping space available,” said Young.Depending on where you stay, there may be a fee. In terms of pricing, the average RV rental on Outdoorsy is around 1 per night.You usually only drive on the first and last day, so you're not spending a ton on gas. You can pack food to keep costs down.And to no surprise, those surveyed by Outdoorsy said they felt less stressed and the kids were happier on a road trip.“Spending time outside quite literally is the antithesis of being cooped up,” said Young. “Most of the time you spend when you're traveling is on the hikes exploring new places, checking out a river or a stream, going to a nearby town and just hanging out for the day.”Another popular option now is car camping, essentially packing up a smaller rented vehicle or your own car and sleeping outside. Borrowing or renting camping gear is another way to trim costs. 1768

Pfizer announced Monday that its COVID-19 vaccine candidate has been 90% effective.In a press release, the company said that in Phase 3 trials, the vaccine has proven to promote a vaccine efficacy rate above 90% following the two-shot regimen.The Associated Press said that while Pfizer's announcement means the company is on track to file an application for emergency use authorization later this month, it does not mean a vaccine is "imminent" and more studies are needed.Pfizer's vaccine candidate began Phase 3 testing in the summer and is among a handful of vaccine candidates that could be distributed in the coming months pending FDA approval.Phase 3 trials consist of testing about 30,000 voluntary participants in a double-blind study — meaning half of those participating receive the vaccine, and half receive a placebo. Pfizer's vaccine requires two shots, which need to be taken 28 days apart.According to Pfizer, 90% of those who were tested for the vaccine had developed protection against the virus seven days following the second shot.Pfizer is already in the process of producing millions of doses of its vaccine candidate after the U.S. government agreed to pay .95 billion for 100 million doses of the vaccine, should it prove effective. If and when the FDA grants approval for the vaccine, it will be distributed to hospitals around the country by the U.S. military in an effort the Trump administration has dubbed "Operation Warp Speed.Even though hundreds of thousands of doses of the Pfizer vaccine will be ready for shipment if it is approved for emergency use, it will need to be rationed in the first months of its availability. According to a playbook for "Operation Warp Speed," essential health care workers and people in high-risk populations would have the first opportunity to get a COVID-19 vaccine. The rest of the general public will be able to get the vaccine as more doses become available later in 2021.Pfizer was one of a handful of companies that pledged in September not to distribute their vaccine under political pressure, and would only do so if it proved to be effective in large scale trials.Monday's announcement sent stock market futures through the roof, as investors eyed a return to economic normalcy should Pfizer's vaccine be given emergency approval in the coming days or weeks.President Donald Trump also celebrated the announcement in a tweet on Monday morning."STOCK MARKET UP BIG, VACCINE COMING SOON. REPORT 90% EFFECTIVE. SUCH GREAT NEWS!" Trump tweeted. 2524

PALMDALE, Calif. (CNS) - The Los Angeles County Sheriff's Department Thursday investigated a gunbattle between detectives from its Major Crimes Bureau and a man accused of spousal abuse and other crimes, climaxing with the death of the suspect, who was later identified as a half brother of the young Black man found hanged from a tree in Palmdale last week.The shooting occurred in a parking lot at an apartment complex in the 3400 block of 15th Street West in the Kern County town of Rosamond as the detectives trailed a suspect about 4:35 p.m. Wednesday, said Deputy James Nagao of the Los Angeles County Sheriff's Department."Detectives from our Major Crimes Bureau were actively searching for a kidnap, spousal abuse, assault with a deadly weapon suspect," Lt. Robert Westphal told reporters at the scene.The investigation led to the parking lot of the apartment complex, Nagao said."The detectives observed and positively identified a male matching the suspect's description in a vehicle," Nagao said. "Detectives followed the vehicle and attempted a traffic stop. The suspect opened the front passenger door of the vehicle and engaged the deputies by firing multiple rounds at them with a handgun. At that time, an officer involved shooting occurred during which the suspect was struck several times in the upper torso."The suspect was pronounced dead at the scene," Nagao said. "The female driver was also struck by gunfire and transported to a local hospital where she was treated and released. A seven year old girl was also in the vehicle and was uninjured."The suspect was struck several times in the upper body, Westphal said. The woman suffered a gunshot wound to the chest. The 7-year-old girl's relationship to either adult was not immediately disclosed.Deputies recovered a gun at the scene. No deputies were hurt.The man who was fatally shot was Terron Jammal Boone, a half-brother of Fuller, a Fuller family attorney said."This afternoon I had to notify the sisters of Robert Fuller that their half-brother Terron Jammal Boone was killed by Los Angeles County sheriff's deputies in Kern County," attorney Jamon Hicks said in a statement."At this time, until we receive all of the information, the family and their legal team doesn't have any further comment on this incident. The family respectfully asks that their privacy be respected."Court records cited by the Los Angeles Times show that Boone was charged Tuesday with multiple criminal counts including criminal threats, assault, false imprisonment and domestic violence.Surveillance video of the incident posted by the Rosamond Community Watchdog, a local news platform, showed multiple vehicles trailing a dark SUV into a housing complex parking lot, The Times reported. Voices repeatedly shouted, "Hands up!" before gunfire erupted.None of the detectives nor their vehicles were equipped with cameras, but investigators probing the battle are trying to recover footage from doorbell cameras and other home video systems in the area, Westphal said.Siara Anderson told The Times that she was on the balcony of an apartment building adjacent to the parking lot in the 3400 block of 15th Street West when Boone was shot. Anderson said that she heard four or five gunshots and saw a man slumped in the passenger seat of a blue sport utility vehicle.Law enforcement officers, in plainclothes but wearing bulletproof vests, were at the scene, she said, along with about five unmarked police cars.Robert Fulller's body was found with a rope around his neck about 3:40 a.m. June 10 in Poncitlan Square, across from Palmdale City Hall. Authorities initially said the death appeared to be a suicide, although an official cause of death has not been made.The family is asking for an independent autopsy to be paid for by the city of Palmdale.On Monday, Los Angeles County Sheriff Alex Villanueva vowed to conduct a thorough investigation into the death -- with cooperation from state and federal agencies. 3979

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

OXON HILL, Md. -- For sisters Nikki Howard and Jaqi Wright, life comes down to a handful of ingredients.”Love, peace and cheesecake,” Wright said.It’s cheesecake that started them off on a new journey, while the two were furloughed during the federal government shutdown two years ago.“We went through the holidays just praying that it would let up,” Wright said. “And it didn't.”“So, for New Year's Eve service, I made sweet potato cheesecakes,” Howard said.Wright continued, “She gave them to me put it in the fridge. I had no idea, until I asked, ‘Who made those?’ And she said, ‘me.’”Howard said her mother and Wright began eating some of it, before her mom declared, “she said, ‘it's so good you can sell it,’ and light bulbs went off.”That is how their small business, called “The Furlough Cheesecake,” came to be. At first, they started by simply selling them online, but it quickly snowballed from there, right into area Walmart stores.“I had no idea that that one cheesecake would change everything,” Wright said.Now, they’re going a step further. At National Harbor near Washington, D.C. they just opened their first physical storefront.“So, we started our business during a furlough and we opened a store during a pandemic,” Wright said. “It makes us sound crazy, honestly, but it just happened this way.”They are fortunate. The pandemic is hitting many small businesses hard and Black-owned businesses especially so. According to data from the U.S. Census, compiled by economists at the University of California - Santa Cruz, between February and April, the number of African-American owned businesses dropped by 41%. Economists now estimate half of all African-American owned businesses may never reopen from their COVID-19 closures.At The Furlough Cheesecake, they know timing is everything.“We just took a leap of faith,” Wright said.Faith that has guided them through two – separate – tough economic times.“There's so many people out there struggling and suffering,” Howard said, “and being a minority-owned business, you know, we feel a responsibility to shed a good light on our community.”It’s all just one part of their unusual recipe for success. 2175

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