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It was a warm June night in Arizona, and Scottsdale bars had just reopened after quarantine. Jimmy Flores got a call from some friends, inviting him to go out.“They said, ‘Yeah it’s busy, come on through,’” Flores recalled.The group went out to dinner, then stopped at a bar. “There was about 150 to 200 people there. We had our little table thing, but it was close proximity," said Flores, an entrepreneur who focuses on helping small businesses get PPP loans during the pandemic.Flores said he didn’t wear a mask or social distance, like most others at the bar. “The bar didn’t have enough cups to serve everyone there, so we got impatient waiting for cups, so we decided to just drink and share shots,” said Flores.COVID-19 had shut down much of the country, but on what seemed like a typical night out, Flores wasn’t thinking about the virus.“Before this was happening on the East Coast and in all these other major cities, you’re like, ‘Yeah I guess it’s going on, but nothing’s happening here. I feel like I’m young, I’m invincible to this. I don’t feel like I’m not going to get it.’”About 48 hours later, all that changed.“I woke up in the middle of the night, my body was sweating. I had a 103-degree fever, and I was sick. I felt really, really sick," he described.Flores tested positive for COVID-19. Days later, he ended up in the hospital hooked up to oxygen.“If I breathed in too much, I’d have a massive coughing attack and it led to massive headaches," he said. "And then, when that would happen, I would have panic attacks and collapse my lungs even more."Flores documented on social media both the physical and the mental toll the virus took on him.“I did not take this seriously at all, and now that I have this. I wouldn’t wish it on my worst enemy,” Flores said in a video from his hospital bed. “I couldn’t even go to the restroom, because I would have a coughing attack,” he recalled.He said the time spent sitting alone in his hospital bed left him with a lot of questions. “What is this thing? Why can’t I breathe? Is the hype really real? Because during this time, I didn’t know anyone who had COVID,” said Flores.Cases like his are more common than you’d think. One study by the American Journal for Tropical Medicine and Hygiene found that more than 5,000 people have landed in the hospital and more than 800 people have died around the world from COVID-19 because of misinformation about the virus, and that can come from anything from reading an online article to rumor and stigma in your community.“Especially America, we are a unique country; we’re very individualistic here,” said Flores of the stigma he believes exists across the nation. “For me, it had to take a personal experience to really ingrain into your mind that this is a serious event."Flores is still documenting his recovery to encourage others to sift through the misinformation online. “How can you find truth? I thought it was through sharing personal experiences. But maybe that’s not enough, maybe they have to go through the experience themselves,” said Flores.Flores said he’s had several commenters consider wearing masks or changing their behavior after seeing what he endured, but it hasn’t been all positive.“I was getting hate mail, and I was getting love mail on my social media platforms. People were saying, ‘Oh he’s a crisis actor, he was paid by the government. He looks like he has preexisting conditions, don’t believe him,’” he said.Despite all the opinions and misconceptions about COVID-19, Flores lived it. Now, he says he will live to help others avoid the same pain.“I don’t have any regrets, because if I didn’t go through this experience then I would’ve never had the ability to help other people, thousands of people around the country change their minds,” he said. 3799

It may not be a hospital, but these essential workers are on the frontlines teaching children while schools are shut down and relieving parents who can’t work from home.“We can be open for those parents who have nowhere else to go, who have no one else to turn to,” said Katie Taves, the lead teacher for remote learning at Boingo’s Academy in Visalia, California.This program is making an incredible impact on parents like Lorraine Filimeno. The single mother of five is also an essential worker. She helps families sign up for unemployment benefits and financial assistance.“We are out in the community. We deal with people every day, but we’re also parents,” said Filimeno.When schools closed, Filimeno needed some help herself figuring out how to balance work and her kids’ remote learning.“My employer wasn’t going to wait for me. You know, everyone is replaceable,” she said. The mother was worried she might end up needing help from her own office. “Was I going to have to get on unemployment? I had seen people come into our office and start asking for applications and being worried, and I said, ‘Is that going to be me?’” recalled Filimeno.She reached out to the day care her daughters went to for after-school care and found the teachers were ready to help.“If it wasn’t for child care like Boingo’s, I don’t know what I would do,” she said.Before COVID-19 hit, a large part of the day care was used as an after-school playground. Now, it’s turned into a remote learning classroom for dozens of students in different schools and grades.The Boingo’s Academy pre-school got a waiver from the state to take on extra elementary school students for all-day distance learning and spots filled up almost instantly.“Some of these kids can’t even read yet, let alone find the link you’re telling them to find. They need somebody there with the computer,” said Taves.This relief comes with a cost. For Filimeno, keeping the career she loves and paying for childcare meant training for a second job.“Without a second income, I cannot afford childcare for 40 hours a week for three kids. It’s very costly," she said. "I know there’s resources out there for me-- cash aid and food stamps--but as I’ve worked for over 25 years. I had gotten off of those assistances."Now, the single mom is worried, like so many parents in her shoes, that COVID-19 will erase her years of financial stability.“When this all hit, it felt almost like I was rewinding my life. I wanted to give up as a parent and say, ‘I’m done with working. I can’t afford this.’ But you look at your children, and you say, ‘I gotta get back together, I gotta get going,” said Filimeno.The mother even battled COVID-19 and was sick for a month, but now, she is back to work and is making sure she can provide for her kids.With the many layers of stress falling onto parents and teachers, the children have a tough time, too.“When I see a child not able to follow along, it’s heartbreaking,” said Taves. “Sometimes, it just becomes so overwhelming and they’re just not able to do it, and there’s not much I can do but encourage them. Their little spirits get broken; it’s so sad."But, these teachers won’t give up, and these parents can’t give up, because they’re working for a future only these children can dream up. 3286

INDIANAPOLIS -- An Indianapolis woman was moved to tears after seeing random strangers' response when a man using a wheelchair was flung after hitting a pothole. Carissa Brammer was driving on 86th Street Wednesday morning when she stopped at a stoplight.A man crossing the walk in his motorized wheelchair hit a "damn pothole," as she called it, and went flying forward.He was lying flat on his back in the middle of the intersection when people came running to help. "The first guy out was a suit and tie guy in his Lexus," she wrote. "Then an Asian man in his Lexus. Then a furniture delivery man. Then a couple black men. It was beautiful. The guys just kept coming."The stop light went through several rotations, but nobody moved or honked until the man was safely on the other side. Check out Brammer's full post below: 853

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

It's been one week since 13-year-old Jayme Closs went missing from her home in Wisconsin, and now her school will hold an event aimed at helping the community cope with her disappearance.The Barron Area School District will hold "A Gathering of Hope" Monday evening at Riverview Middle School, where CNN affiliate WCCO-TV says Jayme was a dancer and cross-country runner. The event will include a lighting ceremony and provide counseling resources for students and other community members impacted by Jayme's disappearance."A range of emotions or reactions to this crisis are completely normal and should be expected. Barron County ... Mental Health staff will on hand to offer crisis support," organizers of the event said in a Facebook post. 751