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In just the latest reminder of the dangers of pollution in our oceans, a dead whale in Indonesia has been found with 13.2 pounds (six kilograms) of plastic waste in its stomach.The 31.17-foot sperm whale was found near Kapota Island in Wakatobi National Park, southeast of Sulawesi.Park officials found bags, plastic bottles, sandals and 115 plastic cups in the whale's stomach, as well as a sack containing more than 1,000 pieces of string."Although we have not been able to deduce the cause of death, the facts that we see are truly awful," said Dwi Suprapti, marine species conservation coordinator at WWF-Indonesia, in a statement to CNN.The macabre discovery was made in an area popular with tourists and comes at a time of increasing concern over the impact of plastic pollution on marine life.In June, a short-fin male pilot whale died in southern Thailand and was later found to have ingested more than 17 pounds of plastic bags and packaging.During an autopsy, veterinarians found more than 80 plastic bags in the whale's stomach.A 2015 report by Ocean Conservancy and the McKinsey Center for Business and Environment found that over 50% of the plastic leaking into world oceans comes from China, Indonesia, the Philippines, Thailand and Vietnam, suggesting that the two whales died in dangerous waters for marine life.The report claims that a 65% reduction in plastic waste leakage in those five countries would lead to a 45% reduction globally.Without intervention, the amount of plastic cluttering the Earth's oceans will triple within a decade, according to a recent study by the UK government.However, there is evidence that lawmakers are taking notice of the threat, as the European Parliament voted to ban single-use plastics in October.The proposal covers items such as straws, cotton swabs and cutlery, in addition to obliging EU states to recycle 90% of plastic bottles by 2025.In October, the dangers of plastic were underlined when a decades-old bottle washed up almost intact on a UK beach.The plastic bottle of dishwashing liquid was at least 47 years old, with its branding still clearly visible.The-CNN-Wire 2140

Is it time to delete your Facebook account?That's the question many of its users are asking in light of revelations that data firm Cambridge Analytica accessed and improperly stored information from millions of users.The hashtag #DeleteFacebook was trending on Twitter in wake of the news. WhatsApp cofounder Brian Acton tweeted "it is time" to delete Facebook. (His comment is particularly noteworthy because Facebook bought WhatsApp for billion in 2014). 468

In the midst of the coronavirus pandemic, the Trump administration on Thursday urged the Supreme Court to overturn the Affordable Care Act.The administration’s latest high court filing came the same day the government reported that close to half a million people who lost their health insurance amid the economic shutdown to slow the spread of COVID-19 have gotten coverage through HealthCare.gov.The administration’s legal brief makes no mention of the virus.Some 20 million Americans could lose their health coverage and protections for people with preexisting health conditions also would be put at risk if the court agrees with the administration in a case that won’t be heard before the fall.In the case before the Supreme Court, Texas and other conservative-led states argue that the ACA was essentially rendered unconstitutional after Congress passed tax legislation in 2017 that eliminated the law’s unpopular fines for not having health insurance, but left in place its requirement that virtually all Americans have coverage.After failing to repeal “Obamacare” in 2017 when Republicans fully controlled Congress, President Donald Trump has put the weight of his administration behind the legal challenge.If the health insurance requirement is invalidated, “then it necessarily follows that the rest of the ACA must also fall,” Solicitor General Noel Francisco wrote Thursday.The Trump administration’s views on what parts of the ACA might be kept or replaced if the law is overturned have shifted over time. But in legal arguments, it has always supported getting rid of “Obamacare” provisions that prohibit insurance companies from discriminating against people on account of their medical history.Nonetheless, Trump has repeatedly assured Americans that people with preexisting conditions would still be protected. Neither the White House nor congressional Republicans have specified how.The new sign-ups for health coverage come from the Centers for Medicare and Medicaid Services. The figures are partial because they don’t include sign-ups from states that run their own health insurance marketplaces. Major states like California and New York are not counted in the federal statistics.An estimated 27 million people may have lost job-based coverage due to layoffs, and it’s unclear what — if anything — they’re turning to as a fallback. People who lose employer health care are eligible for a special sign-up period for subsidized plans under the Obama-era law. Many may also qualify for Medicaid.The Trump administration has been criticized for not doing as much as states like California to publicize these readily available backups. In response, administration officials say they have updated the HealthCare.gov website to make it easier for consumers to find information on special sign-up periods.Thursday’s report from the government showed that about 487,000 people signed up with HealthCare.gov after losing their workplace coverage this year. That’s an increase of 46% from the same time period last year. 3037

IRVINE, Calif. (KGTV) -- A new study claims that hookah could be more dangerous than other forms of smoking. According to the University of California study, one in five college students in the US and Europe have tried it. According to researchers who conducted the study, one draw from a pipe can contain as many substances as an entire cigarette. “Hookah mainstream smoke – that which is directly inhaled by the user – has many toxic and harmful chemicals, such as nicotine, which can lead to tobacco addiction; irritating carbonyl compounds; and benzine, a known carcinogen,” said lead author Veronique Perraud, a UCI assistant project scientist in the Department of Chemistry. “And due to the greater volume inhaled for every puff and the longer duration of a smoking session, the hookah oftentimes delivers a higher dose of those chemicals to the smoker.”The study also found that the hookah produces an outsized amount of carbon monoxide mainly due to the burning charcoal. According to the university, the study is the first to look at ultrafine particles. Particles researchers say pose a significant health risk. “One of the big myths about hookah usage is that the water in the bowl actually filters out the toxic chemicals, providing a shield for the smoker,” Perraud noted. “In the study, we show that this is not the case for most of the gases and that, possibly due to its cooling effect, water actually promotes ultrafine particle formation.” 1465

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