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PAHOA, Hawaii (AP) — Lava creeping across roadways destroyed four homes and left dozens of others in the shadow of Hawaii's Kilauea volcano isolated Saturday, forcing more residents to plan for a possible evacuation.Hawaii County Civil Defense said a fissure near the neighborhood of Lanipuna Gardens has been continuously erupting, releasing a slow-moving lava flow. If that lava threatens a nearby highway, more people will be told to prepare for voluntary evacuation.On Friday, fast-moving lava crossed a road and isolated about 40 homes in a rural subdivision, forcing at least four people to be evacuated by county and National Guard helicopters.RELATED: San Diegans working with Red Cross in HawaiiPolice, firefighters and National Guard troops were securing the area of the Big Island and stopping people from entering, Hawaii County Civil Defense reported. The homes were isolated in the area east of Lanipuna Gardens and Leilani Estates. Both neighborhoods had 40 structures, including 26 homes, decimated by lava over the past two weeks.Officials said three people were still in that area but not in imminent danger. They were advised to shelter in place and await rescue by helicopter first thing Saturday.County officials have been encouraging residents in the district to prepare for potential evacuations.RELATED: Golfers continue playing as ash cloud grows in HawaiiEdwin Montoya, who lives with his daughter on her farm near the site where lava crossed the road and cut off access, said he was at the property earlier in the day to get valuables."I think I'm lucky because we went there this morning and we got all the batteries out, and all the solar panels out, about ,000 worth of equipment," he said. "They have to evacuate the people that are trapped up there right now in the same place that we were taking pictures this morning."He said no one was on his property, but his neighbor had someone on his land."I know that the farm right next to my farm . he's got somebody there taking care of the premises, I know he's trapped," Montoya said.Montoya said the fissure that poured lava across the road opened and grew quickly."It was just a little crack in the ground, with a little lava coming out," he said. "Now it's a big crater that opened up where the small little crack in the ground was."Experts are uncertain about when the volcano will calm down.The Big Island volcano released a small explosion at its summit just before midnight Saturday, sending an ash cloud 10,000 feet (3,048 meters) into the sky. The U.S. Geological Survey's Hawaiian Volcano Observatory said eruptions that create even minor amounts of ashfall could occur at any time.This follows the more explosive eruption Thursday, which emitted ash and rocks thousands of feet into the sky. No one was injured and there were no reports of damaged property.Scientists said the eruption was the most powerful in recent days, though it probably lasted only a few minutes.It came two weeks after the volcano began sending lava flows into neighborhoods 25 miles (40 kilometers) to the east of the summit.A new lava vent — the 22nd such fissure — was reported Friday by county civil defense officials.Several open fissure vents are still producing lava splatter and flow in evacuated areas. Gas is also pouring from the vents, cloaking homes and trees in smoke.The fresher, hotter magma will allow faster lava flows that can potentially cover more area, said Janet Babb, a geologist with the Hawaiian Volcano Observatory.Much of the lava that has emerged so far may have been underground for decades, perhaps since a 1955 eruption.Meanwhile, more explosive eruptions from the summit are possible."We have no way of knowing whether this is really the beginning or toward the end of this eruption," said Tom Shea, a volcanologist at the University of Hawaii. "We're kind of all right now in this world of uncertainty."It's nearly impossible to determine when a volcano will stop erupting, "because the processes driving that fall below the surface and we can't see them." said volcanologist Janine Krippner of Concord University in West Virginia.U.S. government scientists, however, are trying to pin down those signals "so we have a little better warning," said Wendy Stovall, a volcanologist with the observatory.Thus far, Krippner noted, authorities have been able to forecast volcanic activity early enough to usher people to safety.The greatest ongoing hazard stems from the lava flows and the hot, toxic gases spewing from open fissure vents close to homes and critical infrastructure, said Charles Mandeville of the U.S. Geological Survey's volcano hazards program.Authorities have been measuring gases, including sulfur dioxide, rising in little puffs from open vents.The area affected by lava and ash is small compared to the Big Island, which is about 4,000 square miles. Most of the island and the rest of the Hawaiian chain is unaffected by the volcanic activity on Kilauea.State and local officials have been reminding tourists that flights in and out of the entire state, including the Big Island, have not been impacted. Even on the Big Island, most tourist activities are still available and businesses are open.___Associated Press journalists Jae Hong and Marco Garcia in Pahoa, Sophia Yan, Jennifer Kelleher and Audrey McAvoy in Honolulu, Becky Bohrer in Juneau, Alaska, Seth Borenstein in Washington, D.C., and Alina Hartounian in Phoenix contributed to this report. 5478

PARADISE, Calif. (KGTV) -- The devastating Camp Fire claimed 88 lives and destroyed thousands of homes. “We start with a punch list every day and there's usually like 10-15 items on it and we usually get about 5 or 6 done,” said Battalion Chief Curtis Lawrie.Including filling out insurance papers, getting quotes from contractors. A drastically different new normal. “The place where you usually set your wallet, your keys, you don't have any of that routine.”The changes aren’t just affecting adults in town, children are feeling the impact as well. RELATED: San Diegans bring Christmas spirit to devastated Paradise following Camp Fire“Computer based schooling for now, until they get their school set in January, which will be over by the airport.”This Christmas, the Spirit of Liberty Foundation flew from San Diego to personally deliver presents, including donated NFL hats, White House ornaments and stuffed animals from the San Diego Zoo. While Lawrie says donations are still pouring in, his concern is years down the road. “They were in very toxic smoke for 24-36 hours without a break and you know that's going to have really bad effects on their physical being.”Looking back the firefight was emotional for everyone involved. “Two and a half hours into it, we realized it wasn't a fire fight anymore.”The focus then shifted to saving lives. “There was a period of about four hours where I didn't know if my family made it out.”Lawrie continued, saying he had to do his job and have faith others were helping as he was. “I'm really thankful that so many people helped each other, and I'd like to say the best part of humanity showed up that day.”Humanity that continues to give during the holiday season. 1724

People who care about their credit scores tend to obsess about some things they probably shouldn’t, such as the possibility they might have too much credit.Let’s bust that myth right upfront: The leading credit scoring formulas, FICO and VantageScore, don’t punish people for having too many accounts. And right now, having access to credit could be a lifeline.In June, the median duration of unemployment was nearly 14 weeks, according to the U.S. Bureau of Labor Statistics. “Median” is the halfway point, which means half of the unemployed had been out of work longer. After the Great Recession, the median length of unemployment peaked at 25 weeks.Most households don’t have enough emergency savings to get through extended unemployment. Access to credit ultimately could be what staves off eviction, keeps the lights on and puts food on the table.Obviously, you can have too much credit if it would tempt you to spend recklessly. And the more accounts you have, the easier it might be to forget a payment — which can be devastating to your scores — or fail to detect signs of fraud.But that doesn’t mean you should worry about applying for the credit you need in the misguided notion that having too much credit is bad for your scores.“It’s not about the number of accounts,” says Ethan Dornhelm, FICO’s vice president of scores and predictive analytics. “It’s about how those accounts are handled.”It’s not how many cards, but how you use themBefore the advent of modern credit scores in the 1980s, lenders did worry that people who had access to a lot of credit would suddenly run up big balances, then default, says credit expert John Ulzheimer, who formerly worked for FICO and for Equifax, a credit bureau. But data scientists have since learned otherwise. People who had been responsible with credit in the past tend to continue being responsible.“I’ve got a gajillion credit cards,” Ulzheimer says. “I could charge up every single one of my cards tomorrow, but I’m not going to do that.”Although you can’t have too much credit, you can have too much debt. Having big balances relative to your credit card limits, or a bunch of cards with balances, can definitely hurt your scores, credit scoring experts say.“There’s no right number of credit cards,” says Jeff Richardson, senior vice president marketing and communications at VantageScore Solutions. “But if you have 22 cards and they all have balances, that can add up.”Even small balances and balances you pay in full can be problematic. Credit scoring formulas consider how many of your accounts have balances and how much of your credit limits you’re using, among other factors. The scoring system uses the balances reported by your creditors, which are generally the amounts from your last statement. You could pay those balances off promptly, but they still show up on your credit reports and affect your scores.Credit-building strategiesIf you’re trying to polish your credit, Ulzheimer recommends using one or two credit cards and not charging more than 10% of their limits. That may require making more than one payment each month to keep the balances low or asking issuers for higher credit limits.If you do use more than a couple of cards, paying the balances off before the statement closing date will typically result in a zero balance being reported to the credit bureaus, and that can be good for your scores.Be careful about canceling unused cards, however. Closing credit accounts can hurt your scores, since it reduces your total available credit. If you’re concerned a lender might close an unused card, you can use it occasionally and immediately pay off any charges so you have a zero balance on the statement closing date.If your credit scores are already high, however, Ulzheimer questions how much effort you should invest in making them higher. Once your scores are over 760 on the commonly used 300-850 scale, you’re getting the best rates and terms lenders offer.Another thing people worry about, but probably shouldn’t: inquiries. Applications for credit typically have a minor impact on your scores and any impact fades within a year. But Ulzheimer says people are often convinced otherwise.“It’s crazy how many questions I get about inquiries, and they are so meaningless in the grand scheme of things,” Ulzheimer says. “People love to obsess about little things that don’t really have a whole lot of influence.”This article was written by NerdWallet and was originally published by the Associated Press.More From NerdWalletSmart Money Podcast: How to Travel Safely, and How to Handle Old DebtsTransition From Work-at-Home Novice to ProCan You Really Trust Your Payment App?Liz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. 4764

PHILADELPHIA, Pa. -- When the COVID-19 pandemic first hit, tens of millions of school kids across the country suddenly found themselves going to school at home. Among them was 17-year-old Andya Sharps.“It was kind of rough, my high school year,” she said, “but I'm just excited that it's all over.”It was rough, in part, because in addition to being a high school senior during the pandemic, Andya also has a young son.“We had to learn how to do work at home, instead of being around our teachers for help. So, it was just a little hard,” she said. “Then, [my son’s] out of school on top of that. So, I had to deal with his schoolwork and my schoolwork at home.”Despite the challenges, she’s now graduating from her Philadelphia high school having been student of the month several times and with perfect attendance.“She came to us with her infant and she came with her determination and she just had a drive to finish,” said Lita Byrd, principal of Ombudsman Northwest Accelerated High School.Andya’s accomplishments left her grandmother, Adrienne Pearson, nearly speechless.“As talkative as I am, I’m kind of without words to express it,” Pearson said. “This is just magnificent that she's doing this she's doing this for herself, as well as for her son, and I am so very, very proud of her.”However, Andya had help along the way, too, thanks in part to an immersive curriculum and program for 12,000 at-risk students in U.S. public schools through ChanceLight Ombudsman Educational Services.“You've got to create that environment where, one, that the slate is wiped clean, it's a brand-new day and we're going to find out what you're really strong in,” said ChanceLight CEO Mark Claypool.For them, technology has always been a part of that, which is why they say the pandemic didn’t affect their students’ ability to learn remotely, as much as it did others.As for Andya, she’s heading to college and plans to study pediatric physical therapy.“You can do anything that you put your mind to,” she said, “no matter what.” 2030

People at events throughout the nation today, April 4, 2018 are remembering the assassination of civil rights leader Martin Luther King Jr., which happened 50 years ago at the Lorraine Motel in Memphis, Tennessee.MLK's legacy is being highlighted today with events at the National Civil Rights Museum, which is at that site. The day will include bell tolls across the nation at 6:01 p.m. Central Time, the moment when Dr. King was shot.There are also marches and other events in Washington D.C. and throughout the country. 540

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