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PARRIS ISLAND, S.C. – Two sets of sisters graduated Marine Corps recruit training together, further strengthening their bonds.The Marine Corps Recruit Depot (MCRD) in Parris Island, South Carolina, says one set includes Virginia sisters Ashley and Amber Valentine, while the other is comprised of Maria, Vanessa and Melissa Placido Jaramillo, who grew up in Nevada.According to MCRD, the Valentine sisters joined shortly after their grandfather passed away and wanted to carry on his legacy in the U.S. armed services.Ashley, 19, and Amber, 22, say having each other to rely on through training helped during some of their highest highs and lowest lows.“I went through a moment during first phase where I received some bad news in a letter, and she was there to be a shoulder for me to lean on,” Amber said in a press release posted to MCRD’s Facebook page.However, the Valentines won’t be attending combat training together, because Ashley suffered a hip fracture prior to graduation and must heal. After combat training, Amber plans to serve in the communications field and Ashley will be certified as a motor transportation operator.As for the Placido Jaramillo family, Maria, Vanessa and Melissa made a pact to join the military together when they were young children, according to MCRD. Melissa and Vanessa, both 22, are identical twins. Maria is a year younger than them at age 21.During recruit training, Melissa says the sisters succeeded thanks to friendly competition and daily positive affirmation.MCRD says the three sisters have yet to find out what military occupational specialty they will be assigned but are looking forward to what the Marine Corps has in store for them. All three plan to complete their education, though. 1748

Police in Royal Oak, Michigan said an officer shot and killed a 20-year-old man during an incident early Monday morning. 138

PAHRUMP, Nev. (AP) — Officials in Nevada are identifying a 55-year-old man found dead under a vehicle they think may have collapsed on him due to earthquakes last week in nearby Southern California.Nye County Sheriff Sharon Wehrly (WER'-lee) said Thursday that investigators might never know for sure what caused Troy Ray to become pinned beneath his Jeep outside his trailer home in rural Pahrump.Sgt. Adam Tippetts says in an internet post that Ray was last seen alive at a nearby gas station July 3.A day later, a magnitude 6.4 earthquake struck near Ridgecrest, California, followed by a larger 7.1 temblor on July 5.Ridgecrest is about 95 miles (153 kilometers) west of Pahrump.Tippetts says Ray's death was ruled an accident resulting from asphyxia and blunt trauma. 780

PHOENIX - Latest polling numbers released from the Secretary of State’s office shows Kyrsten Sinema has taken a slight lead over Martha McSally in the race for Arizona Senate.As of 5:30 p.m. Thursday, Sinema has 916,380 votes statewide, while McSally has 914,369.345,000 votes remain uncounted in Maricopa County while a small number of ballots remain uncounted as well in smaller counties.Officials estimate about 195,000 of those are early ballots, provisional, and out-of-precinct ballots that voters cast or dropped off on Election Day.It is one of the most-watched races across the country: will Martha McSally, a Republican, or Kyrsten Sinema, a Democrat, serve as Arizona's first congresswoman?Both are vying to fill Sen. Jeff Flake's seat after Flake's announcement in 2017 that he would not seek re-election.As preliminary results started to come in Tuesday evening, the two appeared to be in a dead heat with both flip-flopping for the lead. Maricopa County Recorder Adrian Fontes expects ballot counting to continue for several days. Officials will continue to update the results daily at 5 p.m. 1144

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