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INDIANAPOLIS, Ind. — Indianapolis Colts head coach Frank Reich knelt during the national anthem and the players stood with linked arms before Sunday's opening game against the Jaguars.The Colts also released a statement on behalf of Black communities in Indiana and other cities before the game."Our intent is to bring attention to the issue of systemic racism and the injustice inherit therein," the statement read. "We also wanted to demonstrate a symbolic gesture of how we believe meaningful change happens.""We were not protesting the flag, the anthem, or the men and women who wear the uniform," the statement read. "The timing of this action is meant to highlight that the presence, power, and oppression of racism remains inconsistent with the unity and freedoms of what it means to be an American."You can read the full statement 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 six years since Culver's introduced a new custard flavor. On Thursday, they announced six new flavors coming soon on their website.The flavors will come out each month, starting on May 10 with Cappuccino Cookie Crumble and going all the way through October. Here's a list of the new flavors and the descriptions on Culver's website: 375
In his memos documenting conversations with President Donald Trump, former FBI Director James Comey recounts Trump's "serious reservations" about then-national security adviser Michael Flynn as well as the President's concerns about media leaks and Trump's recollection of Russian President Vladimir Putin telling him that Russia had the "most beautiful hookers in the world."The Comey memos provided to Congress on Thursday and obtained by CNN include documentation of seven conversations he had with Trump from January 7, 2017, through April 11, 2017. Four of the notes are classified and have been partially redacted, and three of them are unclassified.There are several recurring themes through the conversations: Trump frequently brings up leaks to the media and they discuss trying to find the source of the leaks. Trump also at least twice brought up the "golden showers thing" and said he was concerned even if there was a small chance his wife had thought it was true.In the January 7 memo, Comey writes that Trump interjected, "there were no prostitutes; there were never prostitutes" about his 2013 trip to Moscow.In his January 28 conversation with Trump, Comey also writes that Trump said "the hookers thing is nonsense," but then later said that "Putin had told him, 'we have some of the most beautiful hookers in the world.'"Comey also writes that the President said on January 28 he had "serious reservations" about Flynn, who soon left the administration and later pleaded guilty for lying to the FBI about his conversations with Russian officials.Trump explained that his reservations about Flynn's judgment by discussing a story about a toast to British Prime Minister Theresa May and someone else who Flynn had said called before her after Trump was inaugurated, but Flynn had not told the President.The unclassified memos include the now-famous conversation Trump had with Comey where he told Comey, "I hope you can see your way clear to letting this go, to letting Flynn go.""I replied by saying, 'I agree he is a good guy,' but said no more," Comey writes.Trump is also focused on loyalty, as Comey has said in congressional testimony and his book. In their final April 11 conversation, Comey writes that Trump told him: "I have been very loyal to you, very loyal, we had that thing, you know."Comey said that he assumed Trump was referring to his previous pledge for loyalty before his inauguration, where Comey responded he would provide "honesty," and Trump responded, "honest loyalty."In the February 8 memo, Comey also recounts a conversation with then-White House Chief of Staff Reince Priebus, where he says that Priebus asked him whether it was a "private conversation," and asked Comey, "Do you have a FISA order on Mike Flynn?"Comey said that he answered Priebus' question, but first told him that it was "the kind of question that had to be asked and answered through established channels." 2932
It is a ceremony which has been branded "awful" and "sexist" and criticized for taking tennis "back to zero."Much to the dismay of many on social media, some of the sport's leading young players taking part in this week's Next Gen ATP Finals in Milan were on Sunday forced to choose a female model, who had the letter 'A' or 'B' hidden on her body, to determine the round-robin group they would play in at the tournament.The players were then escorted down a catwalk, arm-in-arm with the model, who would reveal the letter -- which corresponded to the round-robin group -- to the audience and cameras. French tennis player Alize Cornet tweeted: "Good job ATP World Tour. Supposed to be a futurist event right? #backtozero."Also on Twitter, tennis coach Judy Murray, who is the mum of former world No.1 Andy Murray, described the ceremony as "awful."Writing for sport360.com, journalist Reem Abulleil, who was at the draw ceremony, wrote: "There was inappropriate dancing, gloves that were removed by a player's teeth, and many more cringe-worthy moments but I'll spare you the details."Most of the players looked visibly awkward, while some laughed their way through it. I personally felt deeply sad watching it all unfold."The ceremony was sponsored by Red Bull and, in a joint statement, the drinks company and the ATP apologized for the offense which had been caused."The intention was to integrate Milan's rich heritage as one of the fashion capitals of the world," read the statement."However, our execution of the proceedings was in poor taste and unacceptable. We deeply regret this and will ensure that there is no repeat of anything like it in the future." 1682