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Is it safe to get together for the holidays? As Thanksgiving approaches, many people are having those discussions, and many are desperate to not only see family, but to travel.Zane Kerby, President and CEO of the American Society of Travel Advisors said, “People are itching to get out there.”The nonprofit organization represents 15,000 travel advisers across the U.S. They often poll consumers and recently learned that people are craving a change of scenery.“People have said, 'You know what? I want to go five, six, seven hours away,'” Kerby said. “They want to do that aspirational trip that they’ve been thinking about before the pandemic and now they really want to do it.”And they're talking about Thanksgiving and wondering whether they should drive or fly.“We asked people point blank what are you going to do for Thanksgiving?” Kerby said. “We’re encouraged, only 15% who normally travel said they weren’t sure they were going to fly this year. Kerby said that there is pent up demand for travel, and there is optimism in the industry.But, if you're talking about getting together, doctors stress that you do so safely.“All of these decisions are weighing risks and benefits and I wish I had a crystal ball,” said Dr. Beth Thielen, an assistant professor of pediatrics at The University of Minnesota Medical School. Dr. Thielen also is an infectious disease doctor. “I wish I could tell you what’s going to happen but I can’t, but I can tell you riskier things and safer things and appreciate that even the most precautions don’t eliminate your risk either.”“I think identifying if you or someone you’re hoping to gather with has those underlying conditions, that you maybe need to be extra cautious about preventing exposures,” she added.Of course, everyone wants to get together and realizes the importance of family.Dr. Thielen advises to limit the number of people, assess your own risk and that of those whom you're considering visiting. She recommends thinking about limiting your exposure to other people in the weeks before you travel.“All of these infections have an incubation period,” Thielen said. “You’re exposed to somebody with the infection taking root but not manifesting itself or detectable by testing for COVID. It’s a few days a week or so before that exposure happens.”We're learning a lot about COVID-19. We know outside is better. Masks are important. And we now know it affects people differently.Kerby said if you're considering flying, know that the industry is taking extreme precautions for travelers.“Between the HEPA filters they use on planes, electrostatic and defogging they're doing after every flight, the air on an airplane is probably better than the air in your home,” Kerby said.While there is a lot of discussion to be had about the holidays and travel, if you can do it safely, everyone wins. 2853

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 now the time of year when you choose your healthcare insurance options during open enrollments. There is a large question looming, though. Has coronavirus affected health insurance?Here’s where your insurance stands today, the effects of COVID-19, and the mistakes you make when signing up for coverage.“I couldn’t live without insurance. I’m a diabetic and without insurance, I don’t know what I would do,” said Jon Gill from Solon. As usual, he will soon enroll in his company’s health insurance plan. However, this year has been unusual in the U.S; 8 million Americans have had coronavirus and that care costs.“I would think that COVID is going to make (rates) go up. I would assume,” said Gill.Dr. JB Silvers from Case Western Reserve University says probably not.“It looks like rates are going to be pretty stable,” he told us.Dr. Silvers has been studying healthcare and insurance for the past 40 years. He told us because people were not allowed to get some procedures earlier this year or they have been afraid to go to the doctor, that means insurance companies have done well financially.“The premiums keep coming in and the costs are low,” said Dr. Silvers.Here’s where the costs could catch up with you: if you’ve put off important, needed medical care.“Did you defer things that really should have been taken care of? In which case, you’re going to pay me later rather than paying me now. That’s the problem,” said Dr. Silvers.Liz Westin is an author and Finance Columnist with NerdWallet.com. She said just going with the same thing you did 12 months ago might not be wise. “(People) wind up spending about ,000 more a year than necessary because they aren’t paying attention to how their plans have changed,” Westin told us.Other mistakes people make during open enrollment is the temptation to just select the cheapest coverage, but that comes with much larger deductibles.“These high-deductible plans have really taken hold,” said Westin. “That’s fine if you have the cash set aside to pay for the care that you’re going to have to pay for out of pocket, but a lot of people don’t have that cash.”That applies especially to people who’ve lost their jobs because of COVID and lost their healthcare insurance with them. That could force Americans into "Obamacare" coverage under the Affordable Care Act. If that’s you, make sure to apply for financial tax help available that will lower your premium.“And that’s the route, I think — especially if you’ve lost your job — that most people are going to want to take,” Westin told us.If you already have coverage through the Affordable Care Act, Dr. Silvers told us in the fine print it says you have to spend at least (depending on the kind of plan) 80%-85% on pure medical costs. If you haven’t done that this year because of COVID restrictions or fear, you will get some money back.“Already this year, companies are giving rebates back for 2019, but they’re pretty small. Next year they’re going to be really big,” said Dr. Silvers.Both experts we talked to said in the upcoming year, you should take advantage of telemedicine where you meet with doctors over a video chat. That could help with your overall care at lower costs and it avoids putting off important visits.This story was first reported by Jonathan Walsh at WEWS in Cincinnati, Ohio. 3326

Investigators searching for missing University of Iowa student Mollie Tibbetts have gotten hundreds of tips and are looking for her in ponds, fields and from the air, officials said Friday morning at a news conference."Unfortunately, we have not yet found Mollie, but it has not been due to a lack of effort or a lack of resources," said Kevin Winker, director of investigative operations for the Iowa Department of Public Safety.Tips on the missing student "have been coming in regularly," and 30 to 40 investigators are on the case, Winker said.The 2-week-old case is "very frustrating, but it hasn't slowed our efforts," Winker said, adding that investigators "come to work everyday with the attitude that we're going to find Mollie."Asked whether they're investigating Tibbitts' disappearance as an abduction, Winker said they are treating it as a missing person case. He would not say whether investigators have any suspects or persons of interest.Tibbetts disappeared on July 18 in Brooklyn, Iowa, a small community an hour east of Des Moines, according to the Poweshiek County Sheriff's Office. 1109

It was a tough few months for the Cincinnati Zoo's beloved behemoth: Henry the Hippo had lost his appetite, only to regain it and lose it again; fought off a serious infection; and his kidneys appeared to be shutting down.The 36-year-old hippo — father to Fiona, whose underweight birth made her famous on social media — died today.Veterinarians and care staff had been trying to bring him back to health, but he continued to slide in recent weeks."We're doing everything we can to keep him comfortable," the zoo said in a recent blog post.According to the zoo, the median life expectancy for a Nile hippo is 35. He came to Cincinnati from Dickerson Park Zoo in Springfield, Missouri.His declining condition came near the tail-end of a pretty joyous year for hippo staff: They nurtured Fiona into childhood after she born six weeks early and half a calf's normal birth weight. The entire hippo bloat -- Henry, Fiona and mother Bibi -- were all reunited just a few months ago. 1013

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