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Over the course of three months, a robber decided to test his luck not once but three times at the M Resort in Las Vegas.On Aug. 24, Gregory Bolusan reportedly entered the M Resort at 3:54 a.m. with a handgun and a backpack. He demanded that the cage employee hand over all of their money but was unsuccessful due to the employee fleeing the cage.Bolusan returned to the M Resort on Sept. 10 at 5:33 a.m. with the intentions robbing the casino cage again. This time he made away with ,589. Investigators were able to identify him because he wore the same clothing, drove the same vehicle and used a similar gun and backpack.In his final attempt, Bolusan returned to the M Resort on Oct. 28 and was able to use the same game plan to make away with ,480 – or so he thought.Bolusan was wearing different clothes during this robbery attempt but was driving the exact same vehicle, parked in the exact same spot, and entered the exact same doors as before. This led to M Resort security members apprehending Bolusan before he could get away with the cash.During the arrest, it was determined that he was driving a white 2010 Toyota Camry and that his gun was not real.Bolusan was booked into the Henderson Detention Center on several counts of attempted robbery, burglary. 1286

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

PHOENIX (AP) — An Arizona family is searching for a U.S. Marine who left for Camp Pendleton on Monday but never arrived at the base outside San Diego.Stacy Wallace says her 20-year-old son, Job (JOHB) Wallace, loves the Marines, was recently promoted and was excited to get back to Pendleton after a three-day leave.She says he was last seen leaving a friend's house in Surprise, Arizona around 9 p.m. Monday.A Surprise police spokesman says officers took a report and have turned the matter over to the Naval Criminal Investigative Service. NCIS officials did not immediately respond to questions from the Associated Press.Stacy Wallace says her son's phone was last pinged Monday night in Arizona, but a Border Patrol camera spotted his truck the next morning southeast of El Paso, Texas. 798

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Parents are approaching back-to-school as best they can, whether their kids are learning at home or face-to-face in the classroom. Many are also relying on after-school programs to help keep their kids mentally and academically successful."The reality is that because most of our schools are virtual or hybrid, after school is all the time and so our programs have been on overdrive to try and meet the need of all of our working parents. And whether you’re working from home or you have to go into work, it’s really hard to do that when you have kids that are home," said Jodi Grant, the Executive Director of the Afterschool Alliance.Grant says after-school programs during the pandemic are essential. The national organization works with 27,000 programs across the country that are not only providing meals to children, but also virtual classroom spaces and childcare for working parents."I think we need to stop and put the kids first. And there’s a lot of creative ways that our kids can be learning, and they don't need to be isolated. After-school programs have jumped to do that and jumped through hoops to do that," said Grant.YMCA of the USA has slowly been reopening some programs since the spring, including a number of day camps this summer. As the fall approached, organizers realized they needed to expand after-school programs."We saw the need in the community to pivot to an all-day childcare model, where the children can now come to the Y, they’ll be separated into different pods and staff as they go through their virtual learning programs via their schools," said Ryan O'Malley with YMCA of the USA.O'Malley says there are more than 370 YMCA locations providing full-day childcare and virtual learning classrooms in 45 states across the country. Boys and Girls Clubs of America has 4,700 locations in the U.S. and right now more than 83% of them are providing some level of service."I think it's critical for both the physical safety but also the emotional safety for those young people and being able to provide those services," said Misty Miller, Senior Vice President for Organizational Development, Field Operations for the Boys and Girls Clubs of America.Miller says a majority of their Boys and Girls Clubs have opened in some capacity."With many of our schools being virtual, we have about 1,300 sites that are opening for the full day to be these virtual learning hubs or safety zones, if you will, which is a different place for us. And it's a very expensive place for us. Clubs are increasing their operating costs," said Miller. Boys and Girls Clubs reports it’s spending at least three times as much as it normally does on after-school care to accommodate safety protocols for COVID-19. YMCA of the USA says they've lost more than billion in revenue since the spring and that after-school programs are suffering financially right now."Very much so. I think it's a combination of things. One is that the programs that are operating its much more expensive to do. In many cases they have to rent additional space, they have to hire more staff, it's longer hours. We are pushing very hard in the next COVID bill to get some federal resources into after-school [programs] so that we can do this one-time short-term influx of money," said O'Malley.Some after-school programs are even helping families cover the costs of childcare, since many parents are finding it hard economically right now to pay the fees."We are looking to the communities for that support but we’re also looking to the federal government for that support. Ys are facing financial hardship that only the federal government can provide, so we’re really asking Congress to give back and look for that relief for charities that are so important to keep non-profits open like the Y open," said O'Malley. 3810

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