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otherwise doesn’t know me, my beliefs or what I have stood for my entire life.????— Troy Aikman (@TroyAikman) October 20, 2020 134

OVERLAND PARK, Kan. — A United States Postal Service worker discovered a massive snake Friday while delivering the mail in Overland Park, Kansas.It's unclear when the red tail boa constrictor slithered onto the home in the Pinehurst neighborhood."The biggest snake I've ever seen! Looked like it had just had lunch," Holly Gibson, a neighbor said.The snake's size didn't make it easy for the responding animal control officer."It was too big for her to get and put in a box by herself so called in her boss, the police came," Gibson said. 556

People who care about their credit scores tend to obsess about some things they probably shouldn’t, such as the possibility they might have too much credit.Let’s bust that myth right upfront: The leading credit scoring formulas, FICO and VantageScore, don’t punish people for having too many accounts. And right now, having access to credit could be a lifeline.In June, the median duration of unemployment was nearly 14 weeks, according to the U.S. Bureau of Labor Statistics. “Median” is the halfway point, which means half of the unemployed had been out of work longer. After the Great Recession, the median length of unemployment peaked at 25 weeks.Most households don’t have enough emergency savings to get through extended unemployment. Access to credit ultimately could be what staves off eviction, keeps the lights on and puts food on the table.Obviously, you can have too much credit if it would tempt you to spend recklessly. And the more accounts you have, the easier it might be to forget a payment — which can be devastating to your scores — or fail to detect signs of fraud.But that doesn’t mean you should worry about applying for the credit you need in the misguided notion that having too much credit is bad for your scores.“It’s not about the number of accounts,” says Ethan Dornhelm, FICO’s vice president of scores and predictive analytics. “It’s about how those accounts are handled.”It’s not how many cards, but how you use themBefore the advent of modern credit scores in the 1980s, lenders did worry that people who had access to a lot of credit would suddenly run up big balances, then default, says credit expert John Ulzheimer, who formerly worked for FICO and for Equifax, a credit bureau. But data scientists have since learned otherwise. People who had been responsible with credit in the past tend to continue being responsible.“I’ve got a gajillion credit cards,” Ulzheimer says. “I could charge up every single one of my cards tomorrow, but I’m not going to do that.”Although you can’t have too much credit, you can have too much debt. Having big balances relative to your credit card limits, or a bunch of cards with balances, can definitely hurt your scores, credit scoring experts say.“There’s no right number of credit cards,” says Jeff Richardson, senior vice president marketing and communications at VantageScore Solutions. “But if you have 22 cards and they all have balances, that can add up.”Even small balances and balances you pay in full can be problematic. Credit scoring formulas consider how many of your accounts have balances and how much of your credit limits you’re using, among other factors. The scoring system uses the balances reported by your creditors, which are generally the amounts from your last statement. You could pay those balances off promptly, but they still show up on your credit reports and affect your scores.Credit-building strategiesIf you’re trying to polish your credit, Ulzheimer recommends using one or two credit cards and not charging more than 10% of their limits. That may require making more than one payment each month to keep the balances low or asking issuers for higher credit limits.If you do use more than a couple of cards, paying the balances off before the statement closing date will typically result in a zero balance being reported to the credit bureaus, and that can be good for your scores.Be careful about canceling unused cards, however. Closing credit accounts can hurt your scores, since it reduces your total available credit. If you’re concerned a lender might close an unused card, you can use it occasionally and immediately pay off any charges so you have a zero balance on the statement closing date.If your credit scores are already high, however, Ulzheimer questions how much effort you should invest in making them higher. Once your scores are over 760 on the commonly used 300-850 scale, you’re getting the best rates and terms lenders offer.Another thing people worry about, but probably shouldn’t: inquiries. Applications for credit typically have a minor impact on your scores and any impact fades within a year. But Ulzheimer says people are often convinced otherwise.“It’s crazy how many questions I get about inquiries, and they are so meaningless in the grand scheme of things,” Ulzheimer says. “People love to obsess about little things that don’t really have a whole lot of influence.”This article was written by NerdWallet and was originally published by the Associated Press.More From NerdWalletSmart Money Podcast: How to Travel Safely, and How to Handle Old DebtsTransition From Work-at-Home Novice to ProCan You Really Trust Your Payment App?Liz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. 4764

PASCO COUNTY, Fla. — An elementary school principal was arrested on Thursday for allegedly stealing 0 from a 9-year-old child.Pasco County deputies arrested Connerton Elementary School principal Edward John Abernathy.The Sheriff's Office say that on Oct. 23, the 9-year-old student, who is mentally handicapped brought some of his parents' money to school. When teachers realized how much money the child had, they took the money, counted it and put it in the principal's office.When the mother of the child went to school to get the money, deputies say the principal gave her only ,200 not the ,100 her child had brought to school."Subsequent investigation by deputies determined the principal kept the 0 difference," the Pasco County Sheriff's Office wrote in a press release.Deputies booked the 50-year-old Abernathy into the Pasco County Jail on one charge of grand theft.Officials with Pasco County Schools say that Abernathy will be placed on administrative leave as they investigate. 1048

Pass the potatoes, not COVID. ???Stay home as much as you can, especially if you're sick.??Host virtual gatherings instead of in-person dinners.?Avoid travel, if you can.??Order your holiday meal from a local eatery.??Shop online with a small business for #BlackFriday. pic.twitter.com/acQpWs2Ism— Michael B. Hancock ?? (@MayorHancock) November 25, 2020 361