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Police say a white gunman opened fire at a Kentucky grocery store, killing two African-Americans, after he tried and failed to enter a predominantly black church nearby.Gregory Bush, 51 was indicted on five counts Wednesday, including murder and attempted murder; none of them were hate crime charges, despite comments from authorities that the shootings appear to be racially motivated.CNN has reached out to a public defender for Bush and is waiting to hear back.Prosecutor Tom Wine said that because Kentucky's hate crime statute does not include homicides, Bush was not charged with a hate crime for the deaths."A hate crime designation only occurs when the judge makes such a determination at sentencing. If the judge finds a hate crime designation is appropriate, it doesn't add any additional time. The designation is only useful if the judge wishes to deny probation or the parole board wants to defer parole," Wine said in a statement.Hate crimes are considered more difficult to charge and prosecute than other criminal charges, largely because they require law enforcement to prove a specific motivation of bias.Additionally, federal investigators are looking into potential civil rights violations, including hate crimes, said Russell M. Coleman, the US attorney for the Western District of Kentucky.Bush faces two counts of murder for the shooting deaths of Maurice Stallard, 69, and Vickie Jones, 67, inside the Kroger grocery store in Jeffersontown, and in the parking lot outside, Wine said.Bush is also charged with one count of attempted murder stemming from what authorities described as an exchange of gunfire with an armed civilian. The indictment identifies the armed civilian as Dominic Rozier. Bush is charged with two counts of wanton endangerment for firing shots in the directions of two more people, Kiera Rozier and an unidentified juvenile.Jeffersontown Mayor Bill Dieruf said on Monday that the shooting is being investigated as a hate crime based on the circumstances, including the race of the victims and the defendant.Dieruf said investigators are looking into reports that Bush told a bystander before he was captured that "whites don't shoot whites."Bush remains jailed on five million dollars bond. His next court appearance is Friday, he said. 2340

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

Pfizer announced Friday that it would submit a request to the FDA Friday for its COVID-19 vaccine to be granted Emergency Use Authorization.Earlier this week, Pfizer said that a final analysis of trial results showed the vaccine is 95% effective.“Our work to deliver a safe and effective vaccine has never been more urgent, as we continue to see an alarming rise in the number of cases of COVID-19 globally. Filing in the U.S. represents a critical milestone in our journey to deliver a COVID-19 vaccine to the world and we now have a more complete picture of both the efficacy and safety profile of our vaccine, giving us confidence in its potential,” Dr. Albert Bourla, Pfizer Chairman and CEO, said in a press release.Pfizer's two-shot vaccine has already been in mass production for months, and thousands of doses will be ready for delivery if and when the FDA grants authorization. Pfizer says that is on track to produce 50 million doses of the vaccine by the end of 2020 and plans to produce 1.3 billion doses of the vaccine in 2021.According to "Operation Warp Speed," the federal government's plan for distributing the vaccine, upon authorization, the drug will initially be rationed for high-risk populations and health care workers. Dr. Anthony Fauci, the nation's top infectious disease expert, says he believes a vaccine won't be widely available until April.On Wednesday, Pfizer announced that a final analysis of its vaccine candidate showed that of 40,000 participants who participated in the trial, 170 people had contracted the virus. Of those 170 people, 162 received only a placebo injection — meaning just eight out of the 20,000 people who actually received the vaccine contracted the virus.The company added Wednesday that there have been no safety concerns with the vaccine. In a randomized survey of 8,000 participants, only 2% reported suffering severe fatigue, and only 4% reported suffering severe headaches. Those who say they suffered side effects only experienced them briefly after vaccination.Pfizer's announcement comes as COVID-19 cases are spiking around the world. In the U.S. alone, about 2.5 million people have contracted the virus in the month of November alone. Hospitalizations linked to COVID-19 are at an all-time high, and deaths have begun to tick up in recent weeks. 2322

PHOENIX — The Trump campaign and the Republican National Committee have filed a new lawsuit in Arizona, claiming Maricopa County poll workers "incorrectly rejected votes" cast by in-person voters on Election Day.The lawsuit alleges when the voting machine detected an "overvote" on a ballot, the poll workers told in-person voters to "press a green button to override the error." This reportedly caused the machine to dismiss the voter's choices in the overvoted races, according to the Trump campaign. An overvote is when someone selects more than one option or candidate in a race. "Upon information and belief, the adjudication and tabulation of these ballots will prove determinative of the outcome of the election for President of the United States in Arizona and/or other contested offices in Maricopa County," the lawsuit states.The campaign says they have received information from voters who say they witnessed the problem and that it happened on a large scale in the county.“Poll workers struggled to operate the new voting machines in Maricopa County, and improperly pressed and told voters to press a green button to override significant errors,” said Matt Morgan, Trump 2020 campaign general counsel, in a statement. “The result is that the voting machines disregarded votes cast by voters in person on Election Day in Maricopa County.”The lawsuit urges for "the manual inspection of purportedly overvoted ballots that were cast in-person, the same way that elections officials examined overvoted ballots that were mailed in or dropped off," according to a press release from the Trump campaign.Read the full lawsuit below, or click here: The lawsuit was announced Saturday evening, following projections from the Associated Press earlier in the day that Joe Biden had won the presidency after Pennsylvania and Nevada were called for the former vice president.The suit is one of multiple filed by Trump's campaign in states that were reporting close margins between Trump and Biden. Suits in Georgia and Michigan have been dismissed, and one in Nevada has been reportedly reconciled without a verdict.This story originally reported by Cydeni Carter on ABC15.com. 2188

PHOENIX, Arizona — Aaron Wallace was sleeping when he was attacked in his bed.The patient at the Arizona State Hospital was stabbed by Reuben Murray, a fellow patient with a murderous past, who was wandering the halls unsupervised in the middle of the night with a sharpened pencil, according to a recent lawsuit filed against the state.The lawsuit raises new questions about safety and security inside Arizona’s only public psychiatric hospital and whether conditions have improved after sweeping changes and promises were made following an extensive KNXV television station three years ago.  The lawsuit also alleges warnings about Murray’s aggressive behavior were ignored in the days before the stabbing.“The place is not better,” said Josh Mozell, an attorney representing Wallace. “Things have not changed. And for our clients, it’s becoming more dangerous.”The director of Arizona’s Department of Health Services, Dr. Cara Christ, did not answer specific questions about the stabbing, citing patient privacy laws.But in a written statement, Christ said the safety and well-being of patients are of “paramount importance.” [Read the full statement at the bottom of the page]Wallace was stabbed on October 3, 2017, and he filed a lawsuit against the state in October this year. The case is being brought by Mozell and fellow attorney Holly Gieszl, who collectively represent many individuals with mental illness.Some of the significant claims from the lawsuit: 1483

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