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INDIANAPOLIS — Gov. Eric Holcomb is concerned about teenage homegrown violent extremists in Indiana schools, according to a Nov. 17 Indiana Department of Homeland Security report. WRTV obtained the document through two separate sources.Teenage Homegrown Violent ExtremistsThe nine-page document describes three threats to Indiana schools – active shooters, cyber threats and teenage homegrown violent extremists. Homegrown violent extremists are defined by the FBI as "global-jihad-inspired individuals who are based in the U.S., have been radicalized primarily in the U.S., and are not directly collaborating with a foreign terrorist organization."The first two threats are real concerns for police departments and schools across the state, according to multiple high-ranking law enforcement sources who are regularly briefed on local and national intelligence regarding threats. The actual threat of a teenage homegrown violent extremist attacking a school is low, the sources tell WRTV. They say listing it as one of the top three threats is not accurate. The sources spoke to WRTV on the condition of anonymity because they are not authorized to speak to the media. "The Governor of Indiana, IDHS, the FBI and the NCTC remain concerned about the potential for teenage HVE’s to conduct attacks inside the state or violence targeting a school with little to no warning," the report states. "IDHS continues to urge vigilance and to report suspicious activities to law enforcement."As the report states, Indiana did see an 18-year-old Brownsburg, Indiana man get arrested while allegedly trying to join ISIS, but there was never a threat to the high school he attended or any other schools in the country.The FBI declined to comment for this story.Questions Raised about ReportThe report was part of a briefing sent to emergency managers and police departments across the state. It quotes not only Holcomb, but other state agencies, such as the Fusion Intelligence Center, the U.S. Department of Homeland Security and the FBI. But some agencies never knew the report was being put together. The IDHS never consulted the agencies before sending out the report, even though they were quoted, WRTV has learned.Asked about the document and the quotes, IDHS Executive Director Bryan Langley, who is also listed as the author of the report, released a statement, saying in part: 2420

INTERACTIVE MAP: Where the Woolsey?Fire is burning in Ventura and LA countiesMALIBU (CNS) - A destructive 83,000-acre brush fire, pushed by strong Santa Ana winds, was zero percent contained Saturday morning as it burned onto the Pepperdine University campus in Malibu while on a march through Los Angeles and Ventura counties toward the sea.So far, the blaze has scorched 83,275 and is 10 percent contained. Authorities gave an update on the fire Sunday morning. Watch the update in the player below:The Woolsey Fire, which erupted Thursday afternoon, has destroyed at least 150 homes and forced the evacuation of 75,000 homes and 200,000 people in both counties as it indiscriminately consumed multi-million dollar mansions and mobile homes. The flames turned what it touched to ash as it forced a citywide Malibu evacuation and sent residents scrambling to find a way out of the burn area.RELATED: Woolsey Fire burns celebrities' homes, popular filming locationsNo injuries were officially reported, but sheriff's detectives are investigating the discovery of two bodies in the 33000 block of Mulholland Highway. They could not confirm whether the deaths were fire-related. Conditions in the area have hampered the investigation.Los Angeles County Fire Department Chief Daryl Osby said damage assessment teams will be in the areas effected by the fire throughout the day, determining how many structures were lost or damaged. And with a lull in the winds, Osby said firefighters will be establishing line perimeters as a means of controlling and knocking down the fire.At least 200 deputies will be in the five Los Angeles County cities effected by the fire -- Westlake Village, Hidden Hills, Agoura Hills, Calabasas and Malibu -- doing property evaluations and looking for any possible looters, Los Angeles County Sheriff's Department Chief John Benedict said."There is zero tolerance for any looting," Benedict said.Ventura County Sheriff's Sgt. Eric Buschow said at least two people have been arrested on suspicion of looting in his county.Pepperdine lifted a shelter-in-place order that had been in effect and canceled all school events for Saturday, and school officials were expected to update the status of Monday's classes and events later in the afternoon.Los Angeles County fire strike teams and water dropping aircraft were working to contain the flames on or around the Pepperdine campus. No permanent structures have been lost, but video from the campus showed at least one vehicle and several bicycles scorched by flames.Late Friday night, University President Andrew Benton assured students they were safe on campus, but expressed frustration with first responders."We have an arrangement that we shelter in place on this campus," Benton said. "When people get into a big hurry, fire department, sheriff's department, they move on instinct and their instinct is just get everyone out of harm's way and move 'em, move 'em, move 'em. Question is, where do you go? I'm very irritated that fire did not anticipate this, did not get assets here, did not realize that we would have 3,500 people on this campus. And now, they've frightened some of your brothers and sisters out into the roadways and I don't know where they are. I'm just fit to be tied."He later tweeted a message that said early communication issues were resolved "leading to an effective response by law and fire professionals. We are grateful."All Malibu schools in the Santa Monica Malibu Unified School District will remain closed until Wednesday, the district announced.The fire started in Ventura County but raced into Los Angeles County, chewed its way through brush and into neighborhoods of Westlake Village and Malibu. The fire reportedly jumped Pacific Coast Highway about 10 p.m. Friday, moving toward Malibu Colony.Residents who evacuated from Malibu were directed to southbound Pacific Coast Highway, creating miles of stand-still traffic along the scenic route. Authorities wound up closing the road to all northbound traffic out of Santa Monica, allowing southbound motorists to use all four lanes.North of the Ventura (101) Freeway, evacuated residents in the Hidden Hills and other neighborhoods were being directed north toward Chatsworth and the Ronald Reagan (118) Freeway.Authorities later ordered mandatory evacuations for the West Hills area in the San Fernando Valley, not far from the fire's origin.Spectrum customers in the wildfire area were without cable and Internet service Saturday as repair teams worked to restore service, a statement from the company said.Driven by 50- to 60-mph winds, the flames jumped south across the 101 Freeway in the Liberty Canyon area early Friday, sending it on a course through Malibu and its exclusive celebrity enclaves.It was unclear how many homes were lost as the fire relentlessly advanced, but on-scene crews reported dozens of structures burning in various canyons. There also were reports of flames ripping through an apartment building and a mobile home park, along with people calling authorities to say they were trapped in burning structures.National Park Service officials reported the famed Western Town at Paramount Ranch, a filming location for hundreds of TV and movie productions, including HBO's "Westworld," had burned to an unknown extent.Evacuation orders affected the entire area south of the 101 Freeway from the Ventura County line to Topanga Canyon Boulevard, south to the Pacific Ocean.Mandatory evacuations were earlier issued for the area north of the 101 Freeway from Valley Vista to Reyes Adobe in Agoura Hills, Calabasas and Westlake Village.The American Red Cross announced the nearest evacuation center for residents of Malibu was at Palisades High School, 15777 Bowdoin St., in Pacific Palisades. Evacuation centers also were established at Canoga Park Senior High School at 6850 Topanga Canyon Blvd. in Canoga Park, at Rancho Santa Susana Recreation Center at 5005-C Los Angeles Ave. in Simi Valley and at Taft High School at 5461 Winnetka Ave. in Woodland Hills, although it was reported to be at capacity.Evacuation centers for animals were opened Friday morning at Hansen Dam, 11770 Foothill Blvd. in Lake View Terrace, after the evacuation center at Pierce College in Woodland Hills reached capacity. And a large animal evacuation center was established at the Zuma Beach parking lot in Malibu. Industry Hills Expo Center in the San Gabriel Valley was also offering shelter for horses from fire-affected areas. In Ventura County, Borchard Community Center at 190 Reino Rd. in Newbury Park was accepting dogs and cats, while the Camarillo Community Center at 1605 E. Burnley St. was accepting small animals.With the fire jumping the freeway Friday morning, the California Highway Patrol shut down a four-mile stretch of the 101 Freeway between Las Virgenes to Kanan roads. The closure was extended to include the entire freeway from Valley Circle Boulevard in Hidden Hills to Reyes Adobe Road in Agoura Hills, according to Caltrans.The devastation has been swift since the fire broke out at 2:25 p.m. Thursday in Ventura County south of Simi Valley, pushed by strong Santa Ana winds. Early Friday, the whipping winds prevented fire commanders from ordering aerial assaults in the early morning hours. Some flights began at 5:30 a.m. as the wind died down, but winds quickly began picking up again as dawn broke.Los Angeles County and city crews were assisting in the firefight, which was taking place as a second brush fire raged further west in Ventura County in the Santa Rosa Valley/Thousand Oaks area.The Orange County Fire Authority sent two strike teams to the assist firefighters battling the Woolsey Fire, Capt. Steve Concialdi said. Crews from other agencies, including from Arizona, were also assisting in battling the massive blaze, helping evacuate residents and providing traffic control.Heavy smoke and strong winds hampered visibility for crews on the fire lines and residents trying to evacuate fire zones.Winds died down Saturday, but were expected to pick up again later Saturday and Sunday afternoon, as the National Weather Service issued a red flag warning for gusty winds and low humidity in effect through Tuesday afternoon.The fire prompted the Friday closure of all schools in the Las Virgenes Unified School District in Calabasas, as well as Viewpoint School, Montessori of Calabasas, Montessori of Calabasas Too and Muse School. Also shut down were the schools of the Conejo Valley School District, headquartered in Thousand Oaks, and the Los Angeles Unified School District's Topanga Elementary Charter School. It was unclear when those schools would reopen.President Trump addressed the state's wildfires -- including the 100,000-acre Camp Fire in Northern California's Butte County that is believed to have killed at least nine people -- on Twitter."There is no reason for these massive, deadly and costly forest fires in California except that forest management is so poor," the president tweeted Saturday. "Billions of dollars are given each year, with so many lives lost, all because of gross mismanagement of the forests. Remedy now, or no more Fed payments!" 9198

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

India's world-famous monument is reopening amid the coronavirus pandemic.According to CNN, the Taj Mahal is reopening Sept. 21, and only 5,000 people will be allowed to visit it per day.Typically 20,000 people visit the monument a day, MSN reported.Another landmark, the Agra Fort, will also reopen that day, but will only allow 2,500 visitors daily, CNN reported.Social distancing and masks will be required at both sites, Uttar Pradesh state's Tourism Department told Yahoo!Both sites have been closed since March 17.According to Yahoo!, India has the second-highest number of confirmed infections of COVID-19. 620

It might still feel like summer outside, but starting Tuesday, you can once again get your pumpkin spice latte fix at Starbucks.The popular coffee chain says its beloved fall seasonal menu returns to stores on Aug. 25.The lineup offers pumpkin-flavored beverages, treats and more.In addition to the pumpkin spice latte – now in its 17th year – you can sip on a pumpkin cream cold brew, a salted caramel mocha or a salted caramel Frappuccino.If you're hungry, pair your drink with a seasonal baked goods, like Starbucks' pumpkin scone, a pumpkin cream cheese muffin or a slice of pumpkin bread.Starbucks says the fall menu is available at all their U.S. and Canada locations for a limited time and while supplies last.This story was originally published by Mark Sundstrom at WPIX. 787

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