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PANMUNJOM, Korea (AP) — With wide grins and a historic handshake, President Donald Trump and North Korea's Kim Jong Un met at the heavily fortified Demilitarized Zone on Sunday and agreed to revive talks on the pariah nation's nuclear program. Trump, pressing his bid for a legacy-defining deal, became the first sitting American leader to step into North Korea.What was intended to be an impromptu exchange of pleasantries turned into a 50-minute meeting, another historic first in the yearlong rapprochement between the two technically warring nations. It marked a return to face-to-face contact between the leaders after talks broke down during a summit in Vietnam in February. Significant doubts remain, though, about the future of the negotiations and the North's willingness to give up its stockpile of nuclear weapons .The border encounter was a made-for television moment. The men strode toward one another from opposite sides of the Joint Security Area and shook hands over the raised patch of concrete at the Military Demarcation Line as cameras clicked and photographers jostled to capture the scene.After asking if Kim wanted him to cross, Trump took 10 steps into the North with Kim at his side, then escorted Kim back to the South for talks at Freedom House, where they agreed to revive the stalled negotiations.The spectacle marked the latest milestone in two years of roller-coaster diplomacy between the two nations. Personal taunts of "Little Rocket Man" (by Trump) and "mentally deranged U.S. dotard" (by Kim) and threats to destroy one other have given way to on-again, off-again talks, professions of love and flowery letters."I was proud to step over the line," Trump told Kim as they met in on the South Korean side of the truce village of Panmunjom. "It is a great day for the world."Kim hailed the moment, saying of Trump, "I believe this is an expression of his willingness to eliminate all the unfortunate past and open a new future." Kim added that he was "surprised" when Trump issued an unorthodox meeting invitation by tweet on Saturday.As he left South Korea on his flight to Washington, Trump tweeted that he had "a wonderful meeting" with Kim. "Stood on the soil of North Korea, an important statement for all, and a great honor!"Trump had predicted the two would greet one another for about "two minutes," but they ended up spending more than an hour together. The president was joined in the Freedom House conversation with Kim by his daughter and son-in-law, Ivanka Trump and Jared Kushner, both senior White House advisers.Substantive talks between the countries had largely broken down after the last Trump-Kim summit in Hanoi, which ended early when the leaders hit an impasse.The North has balked at Trump's insistence that it give up its weapons before it sees relief from crushing international sanctions. The U.S. has said the North must submit to "complete, verifiable and irreversible denuclearization" before sanctions are lifted.As he announced the resumptions of talks, Trump told reporters "we're not looking for speed. We're looking to get it right."He added that economic sanctions on the North would remain. But he seemed to move off the administration's previous rejection of scaling back sanctions in return for piecemeal North Korean concessions, saying, "At some point during the negotiation things can happen."Peering into North Korea from atop Observation Post Ouellette, Trump told reporters before he greeted Kim that there had been "tremendous" improvement since his first meeting with the North's leader in Singapore last year.Trump claimed the situation used to be marked by "tremendous danger" but "after our first summit, all of the danger went away."But the North has yet to provide an accounting of its nuclear stockpile, let alone begin the process of dismantling its arsenal.The latest meeting, with the U.S. president coming to Kim, represented a striking acknowledgement by Trump of the authoritarian Kim's legitimacy over a nation with an abysmal human rights record. Kim is suspected of having ordered the killing of his half brother through a plot using a nerve agent at a Malaysian airport in 2017. Meantime, the United Nations said in May that about 10 million people in North Korea are suffering from "severe food shortages" after the North had one of the worst harvests in a decade.Trump told reporters he invited the North Korean leader to the United States, and potentially even to the White House."I would invite him right now," Trump said, standing next to Kim. Speaking through a translator, Kim responded that it would be an "honor" to invite Trump to the North Korean capital of Pyongyang "at the right time."Trump became the first sitting U.S. president to meet with the leader of the isolated nation last year when they signed an agreement in Singapore to bring the North toward denuclearization.In the midst of the DMZ gathering, Trump repeatedly complained that he was not receiving more praise for de-escalating tensions on the Korean Peninsula through his personal diplomacy with Kim. Critics say Trump had actually inflamed tensions with his threats to rain "fire and fury" on North Korea, before embracing a diplomatic approach.North Korea's nuclear threat has not been contained, according to Richard Haas, president of the New York-based Council on Foreign Relations. He tweeted Sunday that the threat of conflict has subsided only because the Trump administration has decided it can live with North Korea's "nuclear program while it pursues the chimera of denuclearization."Every president since Ronald Reagan has visited the 1953 armistice line, except for George H.W. Bush, who visited when he was vice president. The show of bravado and support for South Korea, one of America's closest military allies, has evolved over the years to include binoculars and bomber jackets.While North Korea has not recently tested a long-range missile that could reach the U.S., last month it fired off a series of short-range missiles . Trump has brushed off the significance of those tests, even as his own national security adviser, John Bolton, has said they violated U.N. Security Council resolutions.___Associated Press writers Jill Colvin and Darlene Superville in Washington contributed to this report. 6301

Parents often worry about their kids riding the school bus. But waiting for the bus or getting off after school can pose a far greater danger.The risk was highlighted this month, as at least five children lost their lives when they were hit by drivers near school bus stops across the U.S. At least seven other children were hurt in bus stop incidents.Now, a petition on WhiteHouse.gov seeks to call upon national leaders to create and sign legislation that institutes stricter penalties on drivers who violate rules around stopping for school buses.The petition makes suggestions such as 30 days in jail and 90-day license suspensions. Overall, wrecks involving school transportation, including buses, make up a tiny fraction of deadly vehicle incidents — less than 1 percent of nearly 325,000 fatal crashes in the US from 2006 to 2015, National Highway Traffic Safety Administration data show. 908

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

PARSIPPANY, N.J. — The loss of Hannah Ernst’s grandfather, Cal Schoenfeld, is still very fresh in her mind."He was one in a million," she said when describing him. "He had a heart of gold and his smile was beyond anything."It was on May 8 when the family’s patriarch lost a month-long battle with COVID-19.The loss was devastating to the Parsippany family, all happening at the height of the COVID-19 crisis in New Jersey."There was a lot of panic, a lot of pandemonium," she said.A time of mourning soon turned into a moment of inspiration for the 15-year-old, who created a digital portrait to honor her grandfather."I was just really messing on my iPad," Ernst explained. "I’ve seen something similar where you make silhouettes of people but I thought how cool would it be if someone put the yellow heart, which is the symbol of COVID, in the back of them."The creative and powerful tribute was later posted by the teen’s mom in a COVID-19 support group on Facebook which then led to others inquiring about getting their loved ones memorialized.Her “Faces of Covid” project then materialized and 325 portraits later, Ernst says she’s just getting started."I think they felt a part of something," she said, referring to what her portraits brought to families. "I think that this virus has unfortunately put together a group of people that share the common thread of losing somebody."Ernst says her project will be an ongoing one, in an effort to highlight those lost while educating those unfazed by the death toll, now nearing 200,000 in the U.S."I’m trying to help the people who don’t necessarily see this virus as the threat, to really visualize the impact it’s had on this time."Learn more about the "Faces of Covid" project on Facebook.This story originally reported by Andrew Ramos on PIX11.com. 1813

Pipe bomb suspect Cesar Sayoc made his first appearance in a New York federal court Tuesday and was told he will be held without bond.The defense issued no objection to Judge Robert Lehrburger's decision. Sayoc's preliminary hearing was set for Monday.In a letter, prosecutors had said they would ask that Sayoc be held without bond, based on the flight risk and the danger he allegedly posed to the community.The 56-year-old faces five federal charges: interstate transportation of an explosive, illegal mailing of explosives, threats against former presidents and other persons, threatening interstate communications and assaulting current and former federal officers.Sayoc's attorney, Daniel Aaronson, has said that his client intends to later plead not guilty to the crimes."Nobody has been able in a court of law to say that those were bombs that he sent," the attorney said. "Therefore, there is no reason why he should speak or possibly have any information to impart." 984