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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

It's often referred to as "The most exciting two minutes in sports."So what makes the Kentucky Derby so special?Here are five reasons not to miss the event, which will be held on May 5 at Churchill Downs race track in Louisville, Kentucky.It's America's longest running sports eventThe first Kentucky Derby was held on May 17, 1875, when a crowd of 10,000 saw three-year-old chestnut colt Aristides, ridden by African-American jockey Oliver Lewis, triumph at Churchill Downs.The Derby has been held at the same venue ever since, even during both World Wars and the Great Depression of the 1930s, making it the country's longest continuously held sports event.The 144th edition of the mile-and-a-quarter race for three-year-old thoroughbreds is expected to attract more than 150,000 spectators.The Derby is the first leg of racing's prestigious Triple Crown, which also consists of the Preakness Stakes in Baltimore and the Belmont Stakes in Belmont Park, New York.READ: No touchdown in Kentucky for Gronkowski...the horseIt has literary historyThe Kentucky Derby has been covered by some of America's most famous writers.In 1925, New York sports columnist Bill Corum called the Derby the "Run for the Roses" because the winning horse gets draped in a garland of hundreds of red roses.In 1935, legendary Tennessee-born sports writer Grantland Rice described the race like this:"Those two minutes and a second or so of derby running carry more emotional thrills, per second, than anything sport can show."His phrase has since been shortened to describe the Derby as "the most exciting two minutes in sports" or "the greatest two minutes in sports."In 1955, American author William Faulker, a winner of the Pulitzer Prize and Nobel Prize and a Southerner like Rice, covered the race for Sports Illustrated.This what he wrote:"So it is not just betting, the chance to prove with money your luck or what you call your judgment, that draws people to horse races. It is much deeper than that. It is a sublimation, a transference: man, with his admiration for speed and strength, physical power far beyond what he himself is capable of, projects his own desire for physical supremacy, victory, onto the agent -- the baseball or football team, the prize fighter. "Only the horse race is more universal because the brutality of the prize fight is absent, as well as the attenuation of football or baseball -- the long time needed for the orgasm of victory to occur, where in the horse race it is a matter of minutes, never over two or three, repeated six or eight or 10 times in one afternoon." It has legendary winnersIn 1973, Secretariat won the Derby in a time of one minute, 59.4 seconds, a record that still stands to this day. By comparison, last year's race was won by Always Dreaming, ridden by jockey John Velazquez, in a time of two minutes 3.59 seconds.Secretariat, also known as "Big Red," went on to clinch the Triple Crown in 1973, ending a 25-year wait.In 2006, Barbaro captured the public's imagination with an epic Derby win followed by a heroic fight against injury. After becoming only the sixth horse to win the Derby with an unbeaten record, Barbaro looked like he could be on the way to the Triple Crown when disaster struck in the Preakness Stakes two weeks later -- he shattered his leg shortly after getting out of the starting gates.Barbaro was put down by his owners eight months later, unable to overcome the complications he had suffered after the accident.But his fight to overcome his injury triggered an outpouring of public support for the horse and his owners the world over. His ashes are now buried at Churchill Downs, while a bronze statue of the horse was erected at the race track in 2009.In 2015, American Pharoah became the first horse to win the coveted Triple Crown since Affirmed in 1978. The horse made the cover of Sports Illustrated and was photographed by US fashion magazine Vogue.It attracts the rich and famousThe Derby has always been a draw for the rich and famous, with some of the biggest stars in sports, fashion and Hollywood mixing with royalty.Previous Derby guests include Britain's Princess Margaret, boxer Muhammad Ali, US presidents Lyndon B. Johnson and Richard Nixon, Hollywood legends Lana Turner and Bing Crosby, baseball star Babe Ruth and in recent years, singer Justin Timberlake, actor Jack Nicholson, Britain's Queen Elizabeth II and NFL star Eli Manning.The favorite tends to do wellLast year's win by Always Dreaming marked the fifth year in a row the pre-race favorite had won the race, the most since the 1890s.If you fancy a punt, this year's Derby looks like a very open race, with Justify, trained by American Pharaoh's handler Bob Baffert, heading the betting ahead of Aidan O'Brien's Irish raider Mendelssohn.No European horse has ever won the Kentucky Derby.The-CNN-Wire 4850

It's no secret that smoking and secondhand smoke are not good for your health. But a new study shows just how detrimental secondhand smoke is for children. "In past studies, we found up to nearly one-in-two children who come to the pediatric emergency department are exposed to tobacco smoke," said Dr. Ashley Merianos, an associate professor in the School of Human Services at the University of Cincinnati. Dr. Merianos led the study, comparing 380 children living with a tobacco smoker with 1,140 children who are not. The ethnically diverse study found that the children exposed to secondhand smoke at home were more likely to be hospitalized."We also found that the children who had been exposed had increased respiratory-related procedures, increased diagnostic testing. So, for example, being tested for the flu and laboratory testing, as well as radiologic testing, including x-rays of the chest and lateral airways," said Dr. Merianos.The children who were exposed to secondhand smoke were also more likely to be prescribed medications like steroids or inhalers. "Our findings highlight the need to universally screen for tobacco smoke exposure during every pediatric healthcare visit and provide interventions to reduce and prevent exposure among patients and their families," said Dr. Merianos.Dr. Merianos says intervention is key since hospital emergency departments mostly treat underserved patients with high tobacco use and limited access to information about quitting."I think right now, with the COVID-19 pandemic, there has never been a better time to quit. And the reason I say that is we know that there is emerging evidence that both smoking and vaping make it more likely that you have COVID and more severe COVID symptoms," said Dr. Susan Walley, the Chair of American Academy of Pediatric's section on Nicotine and Tobacco Prevention and Treatment. Dr. Walley says she's not surprised by the results of the University of Cincinnati's study, adding that secondhand smoke exposure has short-and-long-term health effects on children."Children who have secondhand smoke exposure are more likely to have ear infections, pneumonia, asthma and if they have asthma, more likely to have more severe asthma attacks like we see in this study," said Dr. Walley.Dr. Walley says children exposed to tobacco smoking parents or older siblings are also more likely to smoke themselves as they get older. Doctors hope the study highlights the importance of encouraging parents to quit tobacco use for good, for the sake of their own health and the children they love. 2581

It seems Americans are returning to air travel, despite another spike in coronavirus cases in the United States.The Transportation Security Administration (TSA) says it screened more than 1 million passengers Sunday, the highest number of travelers screened at the agency's checkpoints since March 17, around the time the pandemic hit the U.S.The weekly volume of screenings was also the highest it’s been since the onslaught of the coronavirus, with about 6.1 million passengers screened nationwide last week.The number of fliers remains well below pre-pandemic levels, but TSA says the 1 million single-day passenger volume is a noteworthy development that follows significant TSA checkpoint modifications in response to the COVID-19 outbreak.The agency says it has been deploying acrylic barriers and technologies that reduce or eliminate physical contact between passengers and TSA officers.New credential authentication devices are also being installed at various airport checkpoints, enabling passengers to insert their ID directly into a card reader, eliminating the need for a TSA screening officer to touch the ID.Additionally, many checkpoints now feature computed tomography (CT) scanners, allowing TSA officers to manipulate an image on screen to get a better view of a bag’s contents.“This technology often enables officers to clear items without having to open a carry-on bag,” TSA said. “The new CT scanner further reduces the need for a passenger to remove contents of their bag during the screening process.”TSA has established a “Stay Healthy. Stay Secure.” campaign that it says is designed to prepare travelers for the new procedures they can expect at checkpointsClick here to learn more about how TSA is addressing the coronavirus.As of Monday morning, more than 219,600 people have died from COVID-19 in the U.S. and over 8 million have contracted the coronavirus across the nation, according to an ongoing tally by Johns Hopkins University. 1972

It's a time of love, celebration and great expense.Saturday's royal wedding between Prince Harry and American actress Meghan Markle could easily cost over ￡1 million (.4 million). Security for the event and a ceremonial escort and procession by the British Armed Forces will raise the bill significantly.So who pays for all this? It's a sensitive issue in the United Kingdom because taxpayers will ultimately bear much of the cost, specifically for securing the wedding. 480