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It's tough enough to get a student to sit still, let alone keep a mask on all day.For schools planning to return to full or partial in-person education, all students are required to wear masks. The order from Ohio Gov. Mike DeWine came based on recommendations from The Ohio Children’s Hospital Association and the American Academy of Pediatrics.Carol Gebhardt, a fourth-grade teacher at Mason Elementary School, said she wants to make sure her students are being safe.“I think that if we show them, we show our students that, you know, we can make the best of this situation, that it will hopefully roll over onto them,” she said. “I've seen a lot of funny memes about what's going to happen. But I think also if you are modeling that, wearing it at the beginning of the year and setting up that 'this is good for us. This is good for our safety. We want to wear these.’ These are a positive thing.”Dr. Josh Schazzfin, Cincinnati Children's leading expert on infection prevention and control and associate professor of infectious disease, said wearing a mask is like other learned behaviors for kids.“We're not born knowing to brush our teeth or to put on clothes or to wear shoes, how to behave,” he said. “A child will respond to incentives -- a star on a chart that leads to a reward. The child gets to choose what kind of mask or the logo on a mask. The child's obsessed with Marvel Comics, the child's obsessed with dinosaurs, put those on the mask.”Schazzfin agreed with Gebhardt, that parents and teachers should lead by example on this issue.“Number one, we lead by example, and number two, we set expectations. This is acceptable, this is not acceptable,” Schazzfin said.Schazzfin said it's not about forcing the issue but finding the best way to acclimate your child to wear a mask.Hamilton County officials are working to make sure schools have a stockpile of masks and other PPE for students and teachers.Hamilton County Emergency Management Agency partnered with the county Educational Service Center to provide masks, 350 no-touch thermometers, and 50,000 face shields to schools in the county.This story was originally reported by Pat LaFleur at WCPO. 2175

INDIANAPOLIS -- A body found by a group cleaning up their neighborhood on Indianapolis' northeast side over the weekend has been identified as an Indy woman reported missing back in December. The Marion County Coroner identified the body as Jaimie Beasley, 32, during an autopsy Monday morning. Indianapolis Metropolitan Police Department officers were called to the scene around 11 a.m. Witnesses on the scene say a group was doing a neighborhood cleanup when one of the volunteers discovered what appeared to be a human body partially covered near the creek. Beasley was seen on December 15, 2017. She has a 9-year-old daughter. Family members said?back in January that they feared something bad had happened to her when she didn't return home. Beasley's death remains under investigation by the Indianapolis Metropolitan Police Department.  906

In yet another distressing milestone amid the COVID-19 pandemic, more than 1 million people globally have now died of the virus, according to a database kept by Johns Hopkins.The planet passed the milestone Monday, about nine months after the new disease was first identified in Wuhan, China.Around the world, more than 33 million people are confirmed to have contracted the virus. The planet reached the 1 million deaths threshold just days after the United States recorded its 200,000th death linked to the virus — a rate that continues to lead the world. The U.S. also leads all other countries with more than 7 million confirmed cases of COVID-19.With 142,000 fatalities, Brazil is the only other country with more than 100,000 COVID-19 deaths. Other countries with high death tolls include India (about 96,000), Mexico (76,077) and the United Kingdom (42,077).The U.S., India (about 6 million), Brazil (about 5 million) and Russia (about 1 million) lead the world with the most confirmed cases of the virus.Worldwide, COVID-19 is spreading at the highest rates since the pandemic began. On Thursday alone, about 361,000 people were confirmed to have contracted the virus — by far the most daily confirmed cases on record.Deaths have largely held consistent since the summer months.Public health officials urge people around the world to continue to wear masks, avoid crowds, stay six feet apart from others and opt for outdoor activities over indoor activities ahead of the winter months. With winter approaching in the northern hemisphere, officials are bracing for a spike in cases as people move indoors, where the virus is more likely to spread. 1662

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

It’s Giving Tuesday, a day to give to different charities and a variety of causes. But if money is tight or you don’t have a lot of time to give, don't feel guilty.There are easy ways to give by doing things you may already be doing.How many times do you go online a day? How many times do you open up a new browser tab? Well, Google is offering an easy to way to give. After installing the Tab for a Case extension, each time you open a new browser on Google Chrome, the company will donate money to the charity of your choice. It’s a simple way to give.Another easy way to give is to sign up for a charity rewards credit card like the Susan G. Komen cash rewards Visa. Matt Shultz with creditcards.com says your cash back will be donated to the charity.   "Then, there are other cards like Charity Charge MasterCard, which gives you 1 percent cash back on everything you spend," Shultz says.If your New Year’s resolution is to get fit, you'll like this one to keep you motivated—a free app called Charity Miles. For every mile you move, you help raise money for your charity.   And for all you Amazon shoppers, have you heard about Amazon Smile? If you log into Smile.Amazon.com and select the charity of your choice, each you make a purchase, Amazon will donate 0.5 percent of the price of your eligible purchases to your charity.   Also, remember donating blood, gently-used clothes and toys, as well as giving your time, are all great ways to give back year-round. 1522

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