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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

In our crazy, fast-paced world, it can be tough to take a breath and slow things down, and that even includes places we go to escape the every day. Researchers are taking the time to listen, to make sure that tranquility is never destroyed.When we think of our national parks, we think of birds chirping and water running. Not traffic, honking, planes and helicopters.“It's tough,” Dr. Job said. “It's cold it's rainy sometimes I sit in the middle of thunderstorms hoping for the best sometimes I'm surrounded by animals that are big.”He’s battling the elements in Yellowstone National Park for a purpose; his purpose is to quiet the national parks.“It's an issue,” Dr. Job said. “Over the last decade visitation to the national parks has skyrocketed.”Hundreds of millions of people visit national parks every year, and with people comes noise. Dr. Job manages the Listening Lab, which is part of the Sound and Light Ecology Team at Colorado State University.  The group of students he leads found that noise doubled background sound levels in 63 percent of U.S. parks and protected areas.That’s why Dr. Job’s team spend days in national parks across the country recording their natural sounds. Back at the Listening lab, Elena Gratton is listening through recordings from Yellowstone National Park.“I'll probably go back to these spots and pull out those sounds,” Gratton said.One of the highlights? Wolves howling without any cars or people.She’ll put together the best parts so people who aren’t able to visit a national park can still listen and be transported.“You can see a picture of this place and that's great but it's on a screen,” Gratton said. “But the moment you put these headphones on you can shut your eyes and you can be there.”Jared Lamb is listening for a different purpose. He categorizes the sounds he hears and that information goes to the national parks. They then use it to determine how to better manage noise pollution.“When I first came it was, it didn't really, it didn't really feel like I was doing much,” Lamb said. “It just felt like a lot of numbers. But now after being here for a while I kind of see the implications and how important it is.”Parks then can do anything from unplugging a generator to limiting helicopter tours. But Dr. Job says it can be even more simple than that.”Listen,” Dr. Job said. “I always tell people the more you listen the more you'll hear.”A renewed appreciation for one of nature’s biggest gifts. 2499

It’s a question that was asked early and often following the passing of Aretha Franklin, "How do you honor a queen?"The answer was on display in Detroit Friday morning as more than 120 pink Cadillacs cruised down 7 Mile Road, escorting the hearse carrying the Queen of Soul to Greater Grace Temple.“I had to cut it off!” said Crisette Ellis, the first lady of Greater Grace Temple, noting that the number ballooned so fast she was amazed.The idea sprang out of a common sight at funerals for fallen soldiers, police officers and firefighters. Bishop Ellis wondered aloud, if a motorcade and police cruisers are used to honor a fallen hero what’s the equivalent for a woman who touched generations of people through her music and good deeds?Franklin’s hit song ‘Freeway of Love’ inspired the move to bring in pink Cadillacs. If you lived under a rock, or are too young to remember, the lyric read: “We goin’ ridin’ on the freeway of love, winds against our back. We goin’ ridin’ on the freeway of love, in my pink Cadillac.”“That has been an anthem for those of us that drive a pink Cadillac,” Ellis said. “Driving a pink Cadillac in our world says success. We get respect when we drive a pink Cadillac, so all I can imagine is that Ms. Franklin would look down and say, ‘That is how you show r-e-s-p-e-c-t to the Queen of Soul.”Nancy Pettaway broke into song while showing her Escalade to camera crews on Thursday, “we did that all the way here.”“Going back I think we’ll just turn the music off and reflect,” she said. “It helps you reflect on your own life and what kind of legacy you will leave for other people.”Pettaway drove from Killeen, Texas to Detroit. The trip took 19 hours, and according to organizers, she wasn’t the one making the furthest trip.“A long trip, but so worth it,” said Pettaway.Perda Harris flew from California to meet her daughter, and her pink Cadillac, in Chicago. “Her music just made the house happy,” Harris said.“We just sang out loud,” added her daughter, Caterina Harris Earl. “We danced. We sang. It was associated with every single family gathering that I remember throughout my childhood.”Harris Earl has been driving a pink Cadillac for more than 20 years — she said the music of Aretha Franklin was always part of her life, now the music brings back floods of happy memories. She said she’s always known that Franklin had an impact on her community, but since her passing she’s been able to learn even more about how she worked along Dr. Martin Luther King Jr. and supported the Civil Rights movement.”That makes a big difference for all people,” Earl Harris said. “For all women. As an African American woman, it absolutely impacted me.”That impact is why so many reached out to honor Franklin with a 100+ pink Cadillac envoy. Those who showed up to witness the celebration of life on Friday flocked to the street when the pink Cadillacs arrived, some folks who had waited for hours in line risked their place in line to rush over to snag pictures of the line.Nancy Pettaway summed it up well describing why Franklin’s celebration meant to much: “She moved you. Her music made you better, it made me better.” 3170

In the wake of an increase of high-profile school shootings and seemingly round-the-clock news coverage of gun violence, some students are preparing for school in ways their parents never were: bulletproof backpacks.Companies that sell products that offer increased protection from gunfire say they have seen an uptick in sales. That includes Bulletsafe, a Troy, Mich.-based company that sells a panel that can be inserted into most backpacks for added protection.“I think its main use is for people to sleep better at night,” Tom Nardone of Bulletsafe said. “Honestly, I don’t believe they need one right now,” he said. “I think most the people who are buying them are buying them because a parent is afraid.”Nardone’s product is marketed as a notebook-sized bulletproof backpack panel capable of stopping all handgun rounds up to a .44 magnum.He’s the first to admit that the likelihood that your child is near your backpack at the exact moment a shooting happens is slim. Still, parents are buying them with hopes that it’s an added layer of protection in that worst-case scenario.“I’m a dad, too,” Nardone said. “I don’t want to live in a world where my kid needs a bulletproof backpack.”Scripps station WXYZ in Detroit test a backpack with the Bulletsafe backpack panel inside it, and true to its promotion, it stopped rounds from both a 9mm and a .45 magnum.When tested with a higher-powered rifle outside of the specs that the panel is graded to stop, the bullet unsurprisingly penetrated the panel.While the thought of a school shooting may seem unrealistic to some, the reality is that Michigan holds the unwanted distinction as the No. 1 school on the “State of Concern” report released this week by the Educator’s School Safety Network.The report described that during the 2017-2018 school year, more than half of all school-based threats and incidents of violence occurred in 10 states.Michigan tops the list because of a gigantic spike in school threats.The problem became more visible after the Parkland, Florida school shooting. Accoeding ot the Macomb County prosecutor's office, 60 juveniles and 12 young adults were charged with felonies in connection with school threat cases.“There is zero tolerance for that behavior,” Derek Miller, the chief of operations for the Macomb County Prosecutor’s Office said. “You’re dealing with school safety, faculty safety, these copy-cat threats and threats to children will never be tolerated by Eric Smith, or this office.”While the uptick in threats occurred following the Parkland shooting, experts note that Michigan was already trending up in the sheer number of threats before that shooting.Amanda Klinger, the director of operations for the Educator’s School Safety Network, says that more needs to be done.“Educators are really feeling the sting of this,” Klinger said. “This pull on their time, resources and interruption to instruction.”The data collected by ESSN showed that Michigan averages roughly 20 threats per 1 million students. A number of states average less than a dozen threats, some less than 5.While the data doesn’t explain why threats are increasing, it does shine a light on the discussion. Klinger said she hopes that it starts a conversation that goes beyond adding security measures to schools, but training people to see warning signs of violence.“It is easier to buy a metal detector and stand in front of your parents and say, ‘Hey look, we’re working on school safety,’” Klinger said. “It’s a lot more difficult to say we have trained all of our educators in how to look at red flags.”If you’d like to know more about Bulletsafe’s bulletproof backpack panel you can click, here.For more information about the ESSN study that listed Michigan as the number one, “State of Concern,” you can find a complete look at the data, here. 3879

In the town of Schuyler, Nebraska, located about 65 miles west of Omaha, immigration reform is a huge issue.A Cargill beef processing plant is the largest employer there, with a predominately Hispanic workforce.People who live in Schuyler, a town of about 6,000 people, are worried what the economic impact would be on the immigrant workforce there if DACA recipients and their families are forced to leave."In this town, there's a lot of commerce, Hispanic business. And the majority of our clients are Hispanics," said Rosa Lopez, Schuyler restaurant owner.Business owners in Schuyler — with a population that’s nearly 70 percent Hispanic and a business district dominated by Hispanic-owned shops and restaurants — is worried about the repercussions its economy would face if there's no DACA resolution by March."We depend on our youngsters for the future,” resident Irma Cuevas said. “So if that were eliminated, it would completely devastate not only Schuyler, but several other communities.""They're our clients,” Lopez said. “And if they get rid of the program, we would lose them as clients. And they wouldn't be able to contribute to the local economy."Long-time residents, like Luis Lucar, say DACA helps keep — and bring in — more people to the workforce there in Schuyler, which he says used to be a ghost town."If that happened, Schuyler would definitely go back to those years where businesses were closing,” Lucar said. “I don't think we want to see that again. And not only in Schuyler, but other Nebraskan cities that basically survive because of the immigrant workforce."Burrito House owner Chuy Salinas said at the end of the day, DACA recipients should get to stay — not only because it's good for business, but because it's the right thing to do.“Business is business,” he said. “But it's heartbreaking to see the moms and their kids, even if they're older like 22 or 25 — they'd have to be sent back and not even have a place to live.” 1964

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