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Indonesian investigators have found the flight data recorder from Lion Air Flight JT610, a discovery that should help explain why the new Boeing 737 crashed Monday, killing all 189 people on board.CNN Indonesia showed images of divers bringing the device, commonly known as a "black box," on board one of the rescue ships in the sea close to Jakarta Thursday, four days after the Boeing 737 MAX 8 jet disappeared off radar during a routine short-haul flight.The cockpit voice recorder (CVR), which records audio from the cockpit, is yet to be found, but is believed to be located on the seabed, some 35 meters (114 feet) deep.National Transportation Safety Commission (KNKT) Deputy Director Haryo Satmiko told CNN that it will take two to three weeks to read the data from flight data recorder, and a further two to three months to analyze it.Satmiko confirmed that in addition to the recorder "some parts" of the plane's fuselage had also been found.Monday's ill-fated flight crashed 13 minutes after takeoff. It was supposed to be a one-hour flight to Pangkal Pinang on the island of Bangka.Capt. Daniel Putut Kuncoro Adi, managing director of Lion Group, which owns Lion Air as well as other airlines, declined to offer any possible explanations to CNN for the crash."As a company we are waiting for the result from the National Transportation Safety Committee working with the black box" to determine what went wrong, Adi said Thursday.Adi said that he knew the pilots on the flight and they "were very funny, very smart, very nice guys."He said he believed the pilots did their job "professionally and they struggled to save the aircraft," and offered his condolences to the families of the victims. 1712

It was a warm June night in Arizona, and Scottsdale bars had just reopened after quarantine. Jimmy Flores got a call from some friends, inviting him to go out.“They said, ‘Yeah it’s busy, come on through,’” Flores recalled.The group went out to dinner, then stopped at a bar. “There was about 150 to 200 people there. We had our little table thing, but it was close proximity," said Flores, an entrepreneur who focuses on helping small businesses get PPP loans during the pandemic.Flores said he didn’t wear a mask or social distance, like most others at the bar. “The bar didn’t have enough cups to serve everyone there, so we got impatient waiting for cups, so we decided to just drink and share shots,” said Flores.COVID-19 had shut down much of the country, but on what seemed like a typical night out, Flores wasn’t thinking about the virus.“Before this was happening on the East Coast and in all these other major cities, you’re like, ‘Yeah I guess it’s going on, but nothing’s happening here. I feel like I’m young, I’m invincible to this. I don’t feel like I’m not going to get it.’”About 48 hours later, all that changed.“I woke up in the middle of the night, my body was sweating. I had a 103-degree fever, and I was sick. I felt really, really sick," he described.Flores tested positive for COVID-19. Days later, he ended up in the hospital hooked up to oxygen.“If I breathed in too much, I’d have a massive coughing attack and it led to massive headaches," he said. "And then, when that would happen, I would have panic attacks and collapse my lungs even more."Flores documented on social media both the physical and the mental toll the virus took on him.“I did not take this seriously at all, and now that I have this. I wouldn’t wish it on my worst enemy,” Flores said in a video from his hospital bed. “I couldn’t even go to the restroom, because I would have a coughing attack,” he recalled.He said the time spent sitting alone in his hospital bed left him with a lot of questions. “What is this thing? Why can’t I breathe? Is the hype really real? Because during this time, I didn’t know anyone who had COVID,” said Flores.Cases like his are more common than you’d think. One study by the American Journal for Tropical Medicine and Hygiene found that more than 5,000 people have landed in the hospital and more than 800 people have died around the world from COVID-19 because of misinformation about the virus, and that can come from anything from reading an online article to rumor and stigma in your community.“Especially America, we are a unique country; we’re very individualistic here,” said Flores of the stigma he believes exists across the nation. “For me, it had to take a personal experience to really ingrain into your mind that this is a serious event."Flores is still documenting his recovery to encourage others to sift through the misinformation online. “How can you find truth? I thought it was through sharing personal experiences. But maybe that’s not enough, maybe they have to go through the experience themselves,” said Flores.Flores said he’s had several commenters consider wearing masks or changing their behavior after seeing what he endured, but it hasn’t been all positive.“I was getting hate mail, and I was getting love mail on my social media platforms. People were saying, ‘Oh he’s a crisis actor, he was paid by the government. He looks like he has preexisting conditions, don’t believe him,’” he said.Despite all the opinions and misconceptions about COVID-19, Flores lived it. Now, he says he will live to help others avoid the same pain.“I don’t have any regrets, because if I didn’t go through this experience then I would’ve never had the ability to help other people, thousands of people around the country change their minds,” he said. 3799

In our crazy, fast-paced world, it can be tough to take a breath and slow things down, and that even includes places we go to escape the every day. Researchers are taking the time to listen, to make sure that tranquility is never destroyed.When we think of our national parks, we think of birds chirping and water running. Not traffic, honking, planes and helicopters.“It's tough,” Dr. Job said. “It's cold it's rainy sometimes I sit in the middle of thunderstorms hoping for the best sometimes I'm surrounded by animals that are big.”He’s battling the elements in Yellowstone National Park for a purpose; his purpose is to quiet the national parks.“It's an issue,” Dr. Job said. “Over the last decade visitation to the national parks has skyrocketed.”Hundreds of millions of people visit national parks every year, and with people comes noise. Dr. Job manages the Listening Lab, which is part of the Sound and Light Ecology Team at Colorado State University.  The group of students he leads found that noise doubled background sound levels in 63 percent of U.S. parks and protected areas.That’s why Dr. Job’s team spend days in national parks across the country recording their natural sounds. Back at the Listening lab, Elena Gratton is listening through recordings from Yellowstone National Park.“I'll probably go back to these spots and pull out those sounds,” Gratton said.One of the highlights? Wolves howling without any cars or people.She’ll put together the best parts so people who aren’t able to visit a national park can still listen and be transported.“You can see a picture of this place and that's great but it's on a screen,” Gratton said. “But the moment you put these headphones on you can shut your eyes and you can be there.”Jared Lamb is listening for a different purpose. He categorizes the sounds he hears and that information goes to the national parks. They then use it to determine how to better manage noise pollution.“When I first came it was, it didn't really, it didn't really feel like I was doing much,” Lamb said. “It just felt like a lot of numbers. But now after being here for a while I kind of see the implications and how important it is.”Parks then can do anything from unplugging a generator to limiting helicopter tours. But Dr. Job says it can be even more simple than that.”Listen,” Dr. Job said. “I always tell people the more you listen the more you'll hear.”A renewed appreciation for one of nature’s biggest gifts. 2499

In my opinion, these patriots did nothing wrong. Instead, the FBI & Justice should be investigating the terrorists, anarchists, and agitators of ANTIFA, who run around burning down our Democrat run cities and hurting our people! https://t.co/of6Lna3HMU— Donald J. Trump (@realDonaldTrump) November 2, 2020 317

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