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Passengers might be allowed to keep liquids and laptops in their carry-on bags at airport security checkpoints in the United States if screening technology being tested at select airports is widely adopted.The Transportation Security Administration announced plans Monday to test computed tomography (CT) scanners for carry-on bags, with up to 40 units expected to be in place at US airports by the end of 2018.The X-ray scanning equipment creates 3D images that can be analyzed on three axes for explosives and other threats. The CT technology is similar to that used for medical imaging. Current screening machines for carry-on bags generate 2D images."Use of CT technology substantially improves TSA's threat detection capability at the checkpoint," said TSA Administrator David Pekoske in a statement.CT technology testing started in 2017 at Phoenix Sky Harbor International Airport and Boston's Logan International Airport. John F. Kennedy International Airport has also received a scanner.London's Heathrow is among international airports testing the 3D technology.An initial 15 units will be deployed within the next few months at the following US airports:Baltimore-Washington International Airport (BWI)Chicago O'Hare International Airport (ORD)Cincinnati/Northern Kentucky International Airport (CVG)Houston Hobby Airport (HOU)Indianapolis International Airport (IND)John F. Kennedy International Airport (JFK)Boston Logan International Airport (BOS)Los Angeles International Airport (LAX)McCarran International Airport (LAS)Oakland International Airport (OAK)Philadelphia International Airport (PHL)Phoenix Sky Harbor International Airport (PHX)San Diego International Airport (SAN)St. Louis Lambert International Airport (STL)Washington-Dulles International Airport (IAD) 1801
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
PASCO COUNTY, Fla. — A Pasco, Fla. woman was arrested after deputies say she was passed out drunk at the wheel of a parked car with a 5-year-old child in the back seat.20-year-old Sarah Nisse was found after the girl answered a phone call from her father.He called the 5-year-old via FaceTime and was able to see where the vehicle was parked.He found the car at 2509 Success Dr. and immediately removed his daughter from the vehicle and called 911.Fire rescue arrived and tried to administer aid to Nisse. She didn't say anything but raised a middle finger at them. When deputies arrived, Nisse appeared to be 'heavily intoxicated' and was taken to the Medical Center of Trinity.She blew a .276 and .272 three hours after the incident.Deputies say that without proper supervision, the 5-year-old was at risk of possible injury or death due to a large pond being next to where the car was parked, as well as due to the fact that Nisse was driving while under the influence.She was arrested for child neglect, violation of probation and DUI. She was on probation for willful child neglect in reference to a case in 2015 where she had sexual intercourse with a 15-year-old juvenile. 1187
Parents deported from the US while their children were left behind is what experts think has happened to hundreds of families.A court-appointed steering committee began trying to reach the families of more than 1,000 migrant children two years ago.That's after a federal court ordered the reunification of many families that had been separated at the border under the Trump administration's "zero tolerance" policy in 2018.According to a court filing Tuesday, the committee has been unable to reach the parents of 545 children.It believes most of them were deported without their children, and those children are still in the US with a sponsor.The Justice Department and the American Civil Liberties Union are leading the effort to locate the parents.The ACLU points out some of the children were babies when they were taken away from their families. 858
Philadelphia's mayor has apologized after he was photographed dining indoors at an out-of-state restaurant, even though restaurant dining rooms in his remain closed due to the pandemic.In a series of tweets Monday, Philadelphia Mayor Jim Kenney (D) said he understands the frustration some felt when photos surfaced that showed him eating indoors at a friend's restaurant in Maryland."Restaurant owners are among the hardest hit by the pandemic. I'm sorry if my decision hurt those who've worked to keep their businesses going under difficult circumstances. Looking forward to reopening indoor dining soon and visiting my favorite spots." 646