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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

Ivanka Trump said it's "pretty inappropriate" to ask her about women who have accused her father of sexual misconduct.Asked by NBC News if she believes the accusers, Trump replied, "I think it's a pretty inappropriate question to ask a daughter, if she believes the accusers of her father, when he's affirmatively stated that there's no truth to it.""I don't think that's a question you would ask many other daughters. I believe my father. I know my father. So, I think I have that right, as a daughter, to believe my father," she continued in the interview, which aired Monday morning.  600

Investors were in a rotten mood Tuesday.Seemingly good results from Dow components Caterpillar, Coca-Cola and United Technologies didn't please Wall Street. The Dow closed down 425 points, or 1.7%, after opening with a 130-point gain. At its worst point of the day, the Dow was down more than 600 points.The Dow has fallen for the past five straight days — its longest losing streak in more than a year — and has given up its gains for the year.Why the nearly 650-point swing in the Dow in a matter of hours? Once investors took a closer look at the results, they focused on the negatives.Caterpillar, for example, warned that profit margins would probably not get any higher this year than they are now.And Coke investors were disappointed that lower prices may have helped drive sales -- even though Diet Coke finally returned to growth. Shares of Caterpillar plunged 6% while Coke's stock lost 2%.Verizon was one of the few companies that posted strong results Tuesday that didn't seem to have any caveats -- and it was rewarded for it. Shares of Verizon rose 2%.But other earnings reports were downright gloomy. 3M, another Dow component, lowered its outlook for the year. That sent its stock plunging 7%. Insurance company Travelers, also in the Dow, fell 3% after its earnings missed forecasts.All this negativity dragged down other old-school, classic industrial Dow companies too. Boeing and DowDuPont both fell about 3%.And tech investors were disappointed by increased expenses at Google parent Alphabet.Related: Why everyone is stressing about the 10-year Treasury Even though Alphabet posted solid gains in earnings and revenue that easily topped Wall Street's estimates, the stock fell 5% — and that helped drag down the S&P 500, Nasdaq and tech titans Apple, Amazon, Microsoft and Facebook.It didn't help that the yield on the 10-year US Treasury note rose above 3% for the first time in more than four years Tuesday morning.If this benchmark bond rate keeps climbing, it may make it more expensive to borrow money for mortgages and auto loans and could eat into profits at big US companies — especially since the Federal Reserve is expected to keep raising short-term rates.Still, one expert said investors may be overreacting to the moves in the bond market."I don't know that there is any magic to the 3.0% level other than it is a nice round number," said Jeff Mills, co-chief investment strategist for PNC Financial Services Group. "There is no rule that says rising rates are bad for the stock market."Mills added that since 1928, stocks have actually done a little bit better when rates have gone up. The market has gained about 11% on average during years that rates have gone up and 9% in years of falling rates.But jittery investors don't seem to care about historical market facts right now. They are selling first and asking questions later.The-CNN-Wire 2887

It was America's retailer, long before Amazon. But now Sears is filing Chapter 11 bankruptcy and closing another 140 stores — in addition to well over 1,000 stores the past five years.While the company will remain in business, longtime customers are a bit nervous, wondering about warranties for all those appliances they bought, as well as Shop Your Way reward points and gift cards.Sears shoppers like Cleo Pennington have a lot of questions about the bankruptcy."I'm very sad. Very, very sad," she said.So we checked the fine print in the Sears announcement to get answers.Q: Are all stores closing? A: Sears says no, and insists it plans to emerge from bankruptcy a stronger, leaner company.Q: What if you have a gift card? A: They are still valid, but any time a store files for bankruptcy, you may want to use them as soon as possible, just to be safe.Q: What about Shop Your Way rewards?  A: They are still valid at remaining Sears and Kmart stores.Q: Will appliance warranties be honored? A: Sears says it will honor them as long as it remains in business. That includes extended protection plans and full home warranties. However, Business Insider says if the chain decides to liquidate next year, then warranties could become worthless.Q: Where can you still find Kenmore appliances?A: In remaining Sears stores, at Sears.com, and on Amazon. More than just an appliance storeBut Sears wasn't just where moms and dads shopped. Tens of millions of children looked forward every Christmas to The Wish Book, filled with dozens and dozens of toys.Cheryl Ayers remembers it well, "It was a big deal when that catalog would come in the mail every Christmas and we would go through it with a pen and circle what we wanted Santa to bring," she said.Back in the 1920s and 1930s, Sears even sold houses, which today are still dotting neighborhoods across the country.But the houses went away after World War II, while Amazon, Target, and Walmart took the toy business, and Best Buy, Home Depot, and Lowe's took the appliance business.Sears will continue to sell Kenmore appliances in remaining stores and online, but Cheryl Ayers says it's not the same."This is the end of a dynasty and it's sad," she said.Sears will still have 600 stores remaining, and a website.But with big-name brands like Whirlpool pulling out, no one is sure how much longer remaining stores can survive. Business Insider worries some prospective customers may now be afraid to purchase a major Sears appliance, wondering about the future.________________"Don't Waste Your Money" is a registered trademark of Scripps Media, Inc. ("Scripps")."Like" John Matarese on FacebookFollow John on Twitter (@JohnMatarese)For more consumer news and money saving advice, go to www.dontwasteyourmoney.com  2838

INDIANAPOLIS -- A man carrying an AR-15 at the sister version of the national gun violence rally in downtown Indianapolis on Saturday drew quite the attention from the crowd. The man was walking around outside the Indiana Statehouse during the Indianapolis "March for our Lives" march with the gun strapped to his back. Jami Stall said she respects the man's right to be at the rally but she found his attendance, carrying the firearm, to be alarming and in bad taste. READ | Hundreds attend March for our Lives rally at Indiana Statehouse"It was led by children and teens - I thought that was in bad form," said Stall. "I was outraged honestly I was like what are you doing this has to be intimidating for these kids who are demonstrating against these types of weapons."The video below shows a mother confronting the armed man during Saturday's rally.   893