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PHOENIX — Among the sound of cameras clicking and the sight of several little faces smiling, Marian Laird was overjoyed. She's hoping for several more years of smiles from this bunch. Laird officially became 'Mom' to the last of the crew, little Scotland, 11 months old."It's just very peaceful to know that no one is going to come and take her," said Laird.Scotland was the last of the five biological sisters to be formally adopted by Laird, though she went to live with Laird in January at just 12 days old. The adoption ceremony took place on Saturday, November 17 at Durango Juvenile Court Center as part of National Adoption Day. With food and entertainment, it was an all-out celebration in Phoenix, and a fun time for kids who have had a rough start in life.The pomp and circumstance may feel contradictory because the underlying issue is a national crisis. According to statistics from the U.S. Department of Health and Human Services, there are more than 400,000 kids in foster care across the country. Of that number, there are more than 15,000 in Arizona alone, according to the latest numbers from CASA of Arizona.Baby Scotland's adoption ceremony was just one of several Judge Randall Warner presided over on Saturday. Though the girls no longer have a biological mother, they do have stability and according to Laird, a relationship with extended family."Even though they've been adopted, the grandparents, aunts, uncles and other siblings that haven't been adopted by me can still be a part of their life," she said.Dressed head to toe in similar attire for the special day, they no longer just look like family anymore, they are family.   1693

PARSIPPANY-TROY HILLS, N.J. – The smiling Black chef that’s been on Cream of Wheat packaging for decades is being removed.In a statement obtained by USA Today and The New York Times, B&G Foods said that research indicates the image of the Black man may be based on an actual Chicago chef named Frank White, but it’s being removed because “it reminds some consumers of earlier depictions they find offensive.”The removal comes after the company initiated a review of the packaging in June. At that time, the business wrote that it’s committed to evaluating its packaging and would take steps to ensure it does not inadvertently contribute to racism."B&G Foods unequivocally stands against prejudice and injustice of any kind," wrote the company.It’s not immediately clear when customers can expect the Cream of Wheat packaging to be changed.The Times reports that the character on the box was once named “Rastus,” a pejorative term for Black men, and that he was once depicted as a barely literate cook who didn’t know what vitamins were.Cream of Wheat is the latest of several products which are being redesigned to remove racially insensitive imagery.Earlier this month, it was announced that Uncle Ben’s rice products would be renamed Ben’s Original and the image of Uncle Ben would be removed. In June, Quaker Oats said it would rename and rebrand Aunt Jemima pancake syrup. Additionally, the Mrs. Butterworth brand is being reevaluated.These changes are part of a ripple effect from the Black Lives Matter movement, which picked up steam following the police killings of Black men and women, including George Floyd and Breonna Taylor. 1654

PHOENIX (AP) — Tens of thousands of coronavirus test kits that went unused during a 12-day testing blitz in Phoenix's hardest-hit Latino neighborhoods shows a failure to spread the word to a community that’s often distrustful of government. Suspicion over uniformed National Guard members at the testing site and initial requirements to show IDs and pre-register also stopped many Latinos from getting a free test in the national COVID-19 hot spot. Community leaders say officials need to go beyond the obvious translations and press releases when communicating with Hispanic people. That can include promoting events on popular social media accounts or doing live interviews on Spanish radio. 701

PINAL COUNTY, Ariz. -- Five people have been arrested after Arizona law enforcement agencies teamed up to combat child sexual exploitation and child sex trafficking in Pinal County.Arizona Department of Public Safety announced Wednesday that their detectives led Operation Home Alone 2, a mission targeting sexual predators who attempted to lure underage children with the intent of engaging in sexual activity. 419

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

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