哈尔滨新生儿气管插管模型(宁夏远程多机出血训练系统) (今日更新中)

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

p.p1 {margin: 0.0px 0.0px 0.0px 0.0px; font: 14.0px Helvetica}span.s1 {font-kerning: none}San Diego law enforcement officers are tapping into a nationwide database that uses a bullet's ‘fingerprint' to track crimes.The distinct markings left on a shell casing after it's fired provide an image that can be traced back to the gun from which the bullet was shot.There's an Alcohol, Tobacco, Firearms and Explosives technology called National Integrated Ballistic Information Network, or NIBIN.The national digital database houses 3.3 million images of casings left at crime scenes all over the country.San Diego County, state and federal agencies can enter a casing and find out within 24 hours if there's a match in the system."We're catching the fingerprint from the firearm," said ATF Intelligence Specialist Tom Chimileski.If they get a hit, those identical spent shell casings have linked two different crimes to the same gun.ATF Special Agent Jeff Rice, who works with local police and Sheriff's units in San Diego County, calls the sharing of ballistic information "a game changer."Rice works with Escondido Police Gang Unit Detective Nicholas Rodelo on gun crime cases. They took 10News Anchor Kimberly Hunt to the scene of a March 2016 murder case in Escondido.Surveillance video caught the car in an alley off Escondido Blvd. creeping toward the street, as the shooter stalked a rival gang member.After the shooter got out of his car and gunned down the man in the middle of a busy street, there were 12 shell casings left at the scene.The casings were collected and put into the NIBIN system.In the 24-hour window before the digital search could reveal a lead, the pair got a tip on where the gun could be. They recovered it and found the serial number was obliterated.Rice and Rodelo went to San Diego Sheriff's Department Criminologist Scott Hoopes for his expertise in serial restoration.Hoopes told 10News the metal underneath the serial number still reacts to certain acids. Even though it's completely smooth on the surface, Hoopes can sometimes manipulate the acid reactions and bring the number back. That's what Hoopes did with the gun.These technologies are putting a bull's eye on the bad guys. The NIBIN system's images have led to 110,000 hits giving investigators a wealth of knowledge from seemingly unrelated crimes, sometimes from the other side of the country, now connected by a firearm."Jurisdictions can't talk to each other but within our NIBIN system we're able to figure that out," said ATF Special Agent Jeff Rice.These hits allow investigators to get surveillance video, the makes of cars, license plates, or other pieces of evidence from one scene and use it in the other cases involving that same gun.That gets law enforcement much closer to finding the shooter and making the arrest.  See Kimberly Hunt's full report: 2873

POINT ROBERTS, Wash. -- In Point Roberts, Washington, the beauty of nature isn’t hard to find.“The environment is unsurpassed,” said Brian Calder, director of the Point Roberts Chamber of Commerce. “I mean, it's a beautiful spot.”It’s a town of about 1,000 people, where two nations meet: the U.S. and Canada.Lately, though, people there feel more like they’re caught in the middle.“We're surrounded by foreign territory, not part of North America, USA,” Calder said.Point Roberts is what’s known as an “exclave.” When a 19th century treaty established the 49th parallel as part of the U.S. border with Canada, Point Roberts ended up on the American side, but cut off from the rest of the U.S. because it sits at the end of a peninsula, with Canada to the north of it.Normally, travelling back and forth across the border isn’t an issue.However, because of the coronavirus, the border is closed and the town – which relies on tourism – is at a standstill.“Our traffic comes from Canada, lower mainland primarily, and that's what drives our economy. Period,” Calder said. “We have nothing internally.”Whitney McElroy owns Breakwaters Bar & Grill, where hundreds of people usually gather for music and food. That didn’t happen this year, though. The current situation forced him to furlough all but two employees.“We're down between 85 and 90%,” McElroy said of the grill. “By opening the border, it would considerably help this community. It would bring it back to life again, as it's pretty much dead now.”One of the few things keeping the town alive is the lone supermarket.“On a normal summer week, we do we see about 8,000 customers,” said Ali Hayton, who owns the Point Roberts Marketplace.This year, business at the supermarket is down 80%. Hayton applied for the federal Paycheck Protection Program, which helped financially, but only through July.“I don't want a handout because those go away,” Hayton said. “I want to work for a living and the only way I can do that is if I have people able to come down here.”Weekly testing shows that, so far, there have been no recorded cases of coronavirus in Point Roberts.Because of its unusual location, surrounded by water on three sides and Canada to the north, the border closure isn’t just affecting businesses in Point Roberts. It’s also affecting families, in some cases, by separating them.“People can't sustain - financially and emotionally and spiritually - this kind of stress,” said Point Roberts resident Rena Andreoli.Andreoli and her family are dual citizens of the U.S. and Canada, who live in Point Roberts. Since the lone school in town only goes up to 3rd grade, her children, like some others there, attend nearby schools in Canada. School, though, is considered a non-essential border crossing. So, in order to continue going to her current high school in Canada, her oldest daughter moved in with friends of the family.“By doing that to a family, we're really, we're just killing these kids,” Andreoli said. “So, we need to smarten up as a country, both countries, and look past the politics and look past all that.”Residents believe there could be a simple solution.“If we can have an exemption federally from both sides of the fence, then I think it would definitely ease things and make things a lot more palatable for people,” said Nic Lehoux, who lives in Point Roberts.Recently, a twice weekly passenger ferry service and small plane service began for residents in Point Roberts. Before then, they had no other way to reach the U.S., without driving through the Canadian border and over into Washington state.Still, the border remains closed for the foreseeable future, as the closure has been renewed every 30 days for the past six months. 3724

PHOENIX, Arizona — Google's self-driving car is likely going to be on the road before 2018 ends.The Waymo driverless taxi service will first be on the streets of Phoenix, Arizona, and it will launch without much government oversight — it isn't required like it is for new airplanes and medical devices, for example. Bloomberg reports it will have a new name when it launches in December. That name hasn't been made known to the public.PHOTOS: A Waymo self-driving vehicleWaymo isn't planning a big event to announce the service's debut and will start things small in order to see how it goes. People in the suburbs around Phoenix will likely be the first people to use it, which will cover about 100 square miles, Bloomberg reports.There has been a test group of 400 volunteer families riding in Waymo vehicles for more than a year. The customers who move to the service after the tests will be released from non-disclosure agreements and allowed to talk about their experiences. 1012

PINELLAS COUNTY, Fla. -- A woman was arrested for child abuse on Sunday after deputies say she placed a 3-year-old girl unbuckled in the front seat of her vehicle and slammed on the brakes, sending the child into the windshield. Officials say that Justine Olesky, 33, was in a physical altercation with her boyfriend while the child was standing next to her. Once the boyfriend left, Olesky picked up the child and placed her in the front passenger seat without a seatbelt or car seat, according to the arrest affidavit.Pinellas County deputies say that the child is 3-years-old and weighs approximately 35 pounds.Deputies say that Olesky then proceeded after her boyfriend and accelerated to high speeds in a residential neighborhood. A witness saw the child in the front seat of the vehicle when they say Olesky was driving roughly 90 mph through the neighborhood. Once she saw her boyfriend, deputies say she slammed on her brakes causing the child to be ejected forward. This caused the child's head to strike the windshield at such a high force it shattered the windshield roughly 20 inches in diameter.Deputies say that blonde strands of hair were left in the glass from the child. According to the arrest affidavit, Olesky did not appear to be concerned for the child and continued to talk about her boyfriend even when deputies brought up the child's safety. Olesky was arrested for child abuse and domestic battery.Post Miranda, deputies say that Olesky told law enforcement that she does not remember and denies the incident. She did say that the window was not shattered prior to the incident, according to the arrest affidavit.The child was transported to the hospital. "Luckily no serious injury," the Pinellas County Sheriff's Office told Tampa-based WFTS.Mary Stringini is a digital reporter for ABC Action News. Follow her on Twitter @MaryWFTS. 1928

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