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Instagram flagged Madonna's account for misinformation on Tuesday evening after she shared a COVID-19 conspiracy video that's been widely debunked by fact-checkers and medical professionals.The post included the same video shared by President Donald Trump and his son, Don Jr. The clip shows doctors falsely claiming that masks are not needed to prevent the spread of the coronavirus and advocates for the use of hydroxychloroquine — a drug which is no longer authorized for emergency use with COVID-19.“The truth will set us all Free! But some people dont want to hear the truth,” Madonna wrote in her caption, according to Vulture.Madonna also falsely claimed the caption of her post that a COVID-19 vaccine had already been created but had not been released in order to "let the rich get richer."Instagram initially blurred the video and included a caption declaring the content contained "false information." The message included an independent fact-check that disputed the false claims in the video.Shortly after Instagram flagged the video as false, Madonna deleted the post from her page.Facebook and YouTube removed the video from its platforms as it began to go viral on Sunday night. On Tuesday, Twitter briefly locked Donald Trump Jr.'s account from performing certain functions after he shared the video.Earlier this year, Madonna proclaimed COVID-19 to be the "great equalizer" in an Instagram video shot in her bathtub. In May said she tested positive for COVID-19 antibodies, at which point she said she was going to go for a drive to “breathe in the COVID-19 air.” 1588

INDIANAPOLIS — A part-time trainer at Lutheran High School in Indianapolis says she was told she is no longer welcome there because she is gay.Krystal Brazel had worked at Lutheran High School as a game-only athletic trainer for the past five years. But in February, Brazel was told she would no longer be allowed to work, coach, or volunteer at the school because of her sexual orientation."I think they really decided to make an example of me," Brazel said. "It breaks my heart. I know what I poured into that school."When Brazel started as the athletic trainer at Lutheran High School she was diagnosing injuries on a folding table in the hallway. She started collecting donations because she said the student-athletes deserved more. Eventually, she helped create an athletic training room."I remember going to school thinking I don't ever want to be a high school athletic trainer. That's why I got my masters," Brazel said. "Life happened. And I started at Lutheran just helping out and I realized this is really God's calling for me is to have an impact on these people's lives and maybe be their first real gay Christian that they had an interaction with."In February, Brazel was called into a meeting with the athletic director and head of school and asked to read a handbook that she said stated homosexuality is a sin. She was then asked to sign saying she could follow it, which she couldn't.Brazel is engaged to be married on July 18 to her fiance, Samantha. She was ultimately told she could no longer coach the softball team she just helped lead to a state title in 2019.In June, Franciscan Health and Lutheran High School could not come to an agreement allowing her to continue as the athletic trainer either. Brazel is now sharing her story, pushing for change for the future."I still love them," Brazel said. "I want them to find love and acceptance in their heart and I don't need a sorry from them, I don't need an apology from them, I just want them to change the culture at Lutheran so that it is that love and inviting place that I thought it was for five years before this happened."Lutheran High School is affiliated with "The Lutheran Church Missouri Synod," which is conservative on social issues.Lutheran High School Head of School Michael Brandt released the following statement: 2315

In his opening monologue, Academy Awards host Jimmy Kimmel encouraged award recipients to discuss social issues, thank family members and give words of encouragement during acceptance speeches, but Kimmel announced there is an incentive to keep speeches short:A Brand New Jet Ski! Retail value: ,999.To the tune of the Price is Right theme, Kimmel showed off the brand new jet ski on the Oscars' stage. When Sam Rockwell took the stage to win Best Actor in a Supporting Role, he said he would keep his speech short in an effort to win the jet ski.“Why waste precious time thanking your mom when you could take her” on a jet ski ride, Kimmel said.During his monologue, Kimmel was not afraid to get political, and acknowledged some of Hollywood's recent shortcomings. Kimmel discussed the Me Too movement, and the importance of the academy of expelling Harvey Weinstein following sexual misconduct revelations were reported. “The world is watching us. We need to set an example,” he said. “The truth is if we are successful, women will only have to deal with harassment all the time every other place they go.”Kimmel also pointed out Hollywood's liberal slant."We don't make films like 'Call Me By Your Name' for money. We make them to upset Mike Pence," he said. While Kimmel only delivered a few overly political jokes, he opted to make a flub fom last year's Academy Awards when the wrong film was announced as Best Picture a central theme of his monologue on Sunday. “What happened last year was unfortunate,” Kimmel said, “I said, ‘No, I don’t want to do comedy with the accountants.’ And then the accountants went and did comedy on their own.” 1693

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

International observers from the Organization of American States say they saw no instances of fraud or voting irregularities in the U.S. presidential election.The delegation included 28 experts and observers from 13 countries who observed the election process in in Georgia, Iowa, Maryland, Michigan and the District of Columbia. COVID-19 prevented a broader coalition of experts.The OAS says the Election Day was peaceful, although there were efforts to intimidate poll workers as the votes were counted, and says the country’s mail-in ballots were a secure system.The report says the OAS supports “the right of all contesting parties in an election, to seek redress before the competent legal authorities when they believe they have been wronged.”“It is critical however, that candidates act responsibly by presenting and arguing legitimate claims before the courts, not unsubstantiated or harmful speculation in the public media,” the OAS says. 955