云南交感神经系统模型晋城高级婴儿全身静脉穿刺模型,泉州肩关节镜检查模型,海南下颌骨模型,广西根管填充示范模型,宁德高166cm 仿古针灸铜人,嘉峪关肩关节剖面模型,娄底颅顶层次解剖模型

Isaiah Wright, one of the stars of season one of the Netflix series "Last Chance U" has been arrested in connection with a Tennessee murder.The Knoxville News Sentinel reported Camion D. Patrick, 22, and Isaiah S. Wright, 20, were charged with one count of criminal homicide in the July 25 death of 18-year-old Caleb Thomas Radford. 340

It’s time to come together. America has spoken and we must respect the decision. More unites us than divides us; we can find common ground. I hope the president-elect can embody this. I wish him good luck and I wish the president a successful final few weeks. God bless the USA!— Rep. Will Hurd (@HurdOnTheHill) November 7, 2020 336

INDIANAPOLIS, Indiana — The Indianapolis Zoo is facing it's second loss in less than a month after a female orangutan died on Tuesday.Kim was a 39-year-old orangutan who came to the Indianapolis Zoo with her infant, Max, back in 2016 from the Jackson Zoo in Mississippi. 283

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

INDIANAPOLIS — Two Indiana veterans are raising concerns publicly about the Military Family Relief Fund, a fund that helps veterans get emergency help with food, housing, utilities, medical services and transportation.When you purchase a veteran license plate or a Support the Troops plate, a chunk of that money goes into the Military Family Relief Fund.The Indiana Department of Veterans Affairs administers the fund, and it says on their website that veterans and their families can get up to ,500.“Grants up to ,500 may be awarded,” reads the website. “The qualified individual or family member can receive up to ,500 one time from the Family Relief Fund.” Lisa Wilken, an Air Force veteran and veterans advocate, told WRTV someone contacted her with state records that show some people are getting beyond the ,500 limit.“I was very shocked,” said Wilken. “The big deal is ... the rules are the rules.  Anytime it’s beyond that limit, that’s a misuse of that fund.”The records shared with WRTV show several of the people who received more than the ,500 include employees of the Indiana Department of Veterans Affairs and the Military Family Relief Fund itself.“Employees at IDVA have been able to get this fund above ,500 where veterans around the state have been denied that opportunity,” said Wilken.Since 2016, IDVA has denied 799 applications to the Military Family Relief Fund.During that time frame, 3,971 applications have been approved.William Henry, an Army veteran and former adjutant of the American Legion, is also concerned about the inconsistency of how the fund is distributed to veterans in need."Those documents show potential misuse with the Military Family Relief Fund," said Henry. “To me, it looked very suspicious and called a lot of things into question and I thought immediately it needed to be looked into.”Henry said the American Legion asked him to resign when he pushed for the Indiana Inspector General to investigate IDVA and the Military Family Relief Fund."That's what it comes down to, doing the right thing,” said Henry. “Even though I lose a job. I'll find another job. That's fine but the thing that's important to me is justice."WRTV asked for an on-camera interview with IDVA director Jim Brown.He declined but provided a statement in which he said “a limited number” of people who received funds beyond the ,500 limit were IDVA employees. 2438