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Is Facebook down? That was the case for many as Twitter lit up with reports of not being able to access the social media site Monday morning. According to downdetector.com,  the East coast had the most reports of outages. Facebook was back up and running for several users after being down for about 30 minutes.Users also took to Twitter to report the outage, with #FacebookDown trending quickly.The reactions to the social media site not functioning ranged from hilarious to pure desperation. 521

Ivanka Trump said Thursday the news of family separations at the border "was a low point" during her time in the White House."That was a low point for me as well," she said Thursday, speaking at an Axios Newsmakers conversation on workforce development at the Newseum. "I felt very strongly about that and I am very vehemently against family separation and the separation of parents and children so I would agree with that sentiment. Immigration is incredibly complex as a topic. Illegal immigration is incredibly complicated."Earlier this year, the Trump administration's immigration "zero-tolerance" policy resulted in the separation of thousands of children from their families. In June, Trump reversed course, signing an executive order to keep parents and kids together, but as of last week's deadline, 1 in 3 children still remained away from their parents, with no clear indication when they would be reunited.Ivanka Trump continued Thursday, "I am the daughter of an immigrant, my mother grew up in communist Czech Republic, but we are a country of laws. She came to this country legally and we have to be very careful about incentivizing behavior that puts children at risk of being trafficked, at risk of entering this country with coyotes or making an incredibly dangerous journey alone. These are not easy issues, these a

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

INTERACTIVE MAP: See where the Hill Fire is burning in Ventura County(KGTV) — Fire crews battled back flames from the Hill Fire burning near Thousand Oaks overnight Friday.The blaze has burned more than 4,500 acres and contained to 70 percent as of Sunday morning. On Friday, crews had estimated the fire to have burned about 6,100 acres.While low humidity and high winds have made fighting the nearby Woolsey Fire difficult, crews Friday encountered minimal active fire activity with the Hill Fire, according to the Ventura County Fire Department.At least one firefighter has been injured fighting the fire, and several hundred structures have been threatened. Surprisingly, no structures have reportedly been destroyed.The fire is burning in a south-southwest direction, VCFD said. About 800 personnel have been assigned to the Hill Fire. 883

INDIANAPOLIS -- Indianapolis police are looking for a woman accused of shoplifting and throwing her own feces at an employee of an east side Menards.According to an incident report filed in the case, IMPD officers were dispatched to a Menards location around noon on Tuesday.Upon arrival, they spoke with the store’s loss prevention officer, who told them he’d spotted a woman take a video camera out of its box and place it into her open personal bag.When the loss prevention officer attempted to stop the woman from leaving the store, she “reached behind her and dug into her pants and pulled out a handful of feces and threw it at him, striking him on his chest.”The loss prevention officer said the woman then ran out of the door.Police said the stolen camera was eventually recovered, and investigators were able to recover surveillance video. The woman had not yet been identified.  906

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