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It's one thing to imagine what life might be like, but it's a totally different thing to see it right before your eyes."If things had turned out differently," the actor in the ad says. "I don't know. Maybe I'd be married to that girl I was hanging out with freshman year. Life keeps racing forward for everyone except me.The actor in this new ad is what Caleb Sorohan would have looked like, if he hadn't been killed eight years ago.His mother, Mandi Sorohan said, "It's almost like Caleb came back to tell people, look this is what I should be doing. But I can't because I was texting and driving."Sorohan and her family worked with forensic artists and visual effects teams to recreate what her son would look like today. All for a chilling yet powerful ad by AT&T showing the future distracted driving can take away."You don't think of all the things that could have happened," Sorohan says. "Never got to happen. So to me I think that's the biggest part of this ad."Caleb had just finished his first semester of college when he read a text message while driving, veered into oncoming traffic, and hit an SUV head on. He died instantly."It happened and he made a terrible mistake," Sorohan says. "And we're just trying to make sure that other people don't make that same mistake because not only could you kill somebody else you could kill yourself."The ad is a part of AT&T's "It Can Wait" campaign, which has inspired nearly 25 million pledges to not drive distracted. Sorohan hopes this will add to that number, and show people this isn't just a teen issue, but an issue for everyone."We'll never get to talk to Caleb again," Caleb's brother Griffin shares in a longer version of the ad. "We'll never get to do regular day things with Caleb again."Caleb's sister also took part; the family is hoping that by doing so, people can see the lives impacted by distracted driving go far beyond their own."They should want to come home to the people that they love," Sorohan says. "Every night and they should know how important they are to the people who love them. So don't pick up your phone in the car, just put it down and forget about it until you get to where you're going. Nothing at all that you can do on your phone is worth not coming home to those people."A message from a future that could have been. That no distraction is worth losing one.To learn more about the "It Can Wait" campaign and take the pledge, click here. 2453

INDIANAPOLIS -- Indianapolis police are looking for a woman accused of shoplifting and throwing her own feces at an employee of an east side Menards.According to an incident report filed in the case, IMPD officers were dispatched to a Menards location around noon on Tuesday.Upon arrival, they spoke with the store’s loss prevention officer, who told them he’d spotted a woman take a video camera out of its box and place it into her open personal bag.When the loss prevention officer attempted to stop the woman from leaving the store, she “reached behind her and dug into her pants and pulled out a handful of feces and threw it at him, striking him on his chest.”The loss prevention officer said the woman then ran out of the door.Police said the stolen camera was eventually recovered, and investigators were able to recover surveillance video. The woman had not yet been identified.  906

INDIANAPOLIS -- Warren Township, Indiana Schools says no students or teachers were seriously injured Wednesday when pepper spray was released inside a middle school.Medical responders were called to Stonybrook Middle School and Stonybrook Intermediate Academy around 2 p.m. Wednesday for a report of more than a dozen people affected in an apparent pepper spray release.According to Warren Township Schools, a student released the pepper spray inside the building – although it was not immediately clear whether the release was accidental.A district spokesman said 15 students and two teachers were affected by the pepper spray. All were checked out and released on scene by EMS.The school was temporarily evacuated following the incident and was back to normal conditions as of 2:30 p.m., the district said.School police were reportedly examining surveillance footage to determine how the pepper spray was released. 934

INDIANAPOLIS -- Friday was a busy day for Vice President Mike Pence Friday, as he made several stops in the Indianapolis area.First, the vice president and second lady visited with soldiers from the Indiana National Guard's 38th Infantry Division at Stout Field Indiana National Guard Training Center.The soldiers were training in a command and control exercise to maintain their readiness."We are here because tomorrow is Armed Forces Day. Today we are grateful for everyone who puts on the uniform, including in our all-volunteer Army. Whether you put on the uniform to protect your community at home or whether you put on the uniform to protect the nation, I assure you that the people of this country are grateful and proud of your service," said Vice President Pence. 790

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