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Our newsroom has been inundated with calls, emails and social media posts about Florida Power and Light’s response to the on-going power crisis.Many residents are asking, waiting and wondering when exactly your power will come back on. 248

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

Playboy says it's leaving Facebook over the social network's handling of user data.The move was announced late Tuesday by Playboy's chief creative officer, Cooper Hefner, who is the son of the magazine's late founder, Hugh Hefner.He complained that Facebook's content guidelines and corporate policies contradict Playboy's values and that the platform "in our opinion continues to be sexually repressive.""Learning of the recent meddling in a free U.S. election further demonstrates another concern we have of how they handle users' data -- more than 25 million of which are Playboy fans -- making it clear to us that we must leave the platform," Cooper Hefner wrote on Twitter.Related: Elon Musk deletes Facebook accounts for Tesla and SpaceXFollowing his announcement, Playboy's main Facebook page was no longer available. Other official pages using the brand name, like Playboy Netherlands, were still accessible on the site. It wasn't clear whether Playboy has control over those pages.Facebook didn't immediately respond to a request for comment outside regular business hours.The company and its CEO, Mark Zuckerberg, have come under heavy criticism over revelations earlier this month that Cambridge Analytica, a data firm with ties to President Donald Trump's 2016 election campaign, reportedly accessed information from about 50 million Facebook users without their knowledge.The news has prompted some users to quit the platform. And Playboy isn't the first company to yank its presence.Last week, tech billionaire Elon Musk deleted the Facebook pages for his two main businesses, electric car maker Tesla and rocket startup SpaceX.Zuckerberg apologized last week for how the incident had been handled."This was a major breach of trust, and I'm really sorry that this happened," he told CNN.On Tuesday, Facebook sources told CNN that Zuckerberg has decided to testify before Congress on the issue within a matter of weeks.-- CNN's Artemis Moshtaghian and Rob McLean contributed to this report.The-CNN-Wire 2023

PASADENA, Calif. (AP) — Automated alerts from the fledgling West Coast earthquake early warning system are ready to be used broadly by businesses, utilities, schools and other entities but not for mass public notification, officials said Wednesday."We're making a large change from a production prototype in pilot mode to an open-for-business operational mode," Doug Given, earthquake early warning coordinator for the U.S. Geological Survey, told a press conference at the California Institute of Technology.The system being built for California, Oregon and Washington detects that an earthquake is occurring, quickly analyzes the data and sends out alerts that may give warnings of several seconds to a minute before strong shaking arrives at locations away from the epicenter.RELATED: The Great ShakeOut to shake up SoCal ThursdayThat can be enough time to automatically slow trains, stop industrial processes, start backup generators, pause a surgery or send students scrambling for protection under desks and table.Pilot programs involving select users have been underway for several years."The system is not yet finished, it's not complete, there is a lot of work to be done, however there is a lot of capability in the system as it exists today to the point it can definitely be used," Given said.The sensor network is about 50 percent complete and funding has been secured to complete it in California in the next two years and get two-thirds of the way built out in the Pacific Northwest, he said.Another key development occurred Sept. 28 when a new generation of ShakeAlert software was deployed.RELATED: State's next big earthquake could be in SoCalGiven said among its important improvements is reduction of false and missed alerts. False alerts typically have occurred when a large quake elsewhere in the world is detected by a sensor and is mistaken for a local temblor."The system performs now much better than it did in the past to the point where it is much more reliable," he said.Officials now want to open ShakeAlert to a wide array of applications and are encouraging potential users to contact the USGS.That doesn't yet include mass public notifications for several reasons, including the fact that current cellphone technology is too slow for timely delivery of notifications."Most folks expect to get the alerts on their phone and that is of course is the preferred way that we'd like to get it into everybody's hands," Given said. "Unfortunately the technology that is built into your phone to send you notifications was not designed with earthquake early warning in mind."Rep. Adam Schiff, D-Calif., who has championed funding of the system, said it will also be important to make sure people know what the alerts mean, what to do when they get them, what not to do and to understand there may be false alarms."The education component is going to be very, very important, but this is a wonderful milestone," he said. "We can now see the end, I hope, in two or three years where the system is fully built out and funded and in operation." 3081

p.p1 {margin: 0.0px 0.0px 0.0px 0.0px; font: 14.0px Helvetica}span.s1 {font-kerning: none}San Diego law enforcement officers are tapping into a nationwide database that uses a bullet's ‘fingerprint' to track crimes.The distinct markings left on a shell casing after it's fired provide an image that can be traced back to the gun from which the bullet was shot.There's an Alcohol, Tobacco, Firearms and Explosives technology called National Integrated Ballistic Information Network, or NIBIN.The national digital database houses 3.3 million images of casings left at crime scenes all over the country.San Diego County, state and federal agencies can enter a casing and find out within 24 hours if there's a match in the system."We're catching the fingerprint from the firearm," said ATF Intelligence Specialist Tom Chimileski.If they get a hit, those identical spent shell casings have linked two different crimes to the same gun.ATF Special Agent Jeff Rice, who works with local police and Sheriff's units in San Diego County, calls the sharing of ballistic information "a game changer."Rice works with Escondido Police Gang Unit Detective Nicholas Rodelo on gun crime cases. They took 10News Anchor Kimberly Hunt to the scene of a March 2016 murder case in Escondido.Surveillance video caught the car in an alley off Escondido Blvd. creeping toward the street, as the shooter stalked a rival gang member.After the shooter got out of his car and gunned down the man in the middle of a busy street, there were 12 shell casings left at the scene.The casings were collected and put into the NIBIN system.In the 24-hour window before the digital search could reveal a lead, the pair got a tip on where the gun could be. They recovered it and found the serial number was obliterated.Rice and Rodelo went to San Diego Sheriff's Department Criminologist Scott Hoopes for his expertise in serial restoration.Hoopes told 10News the metal underneath the serial number still reacts to certain acids. Even though it's completely smooth on the surface, Hoopes can sometimes manipulate the acid reactions and bring the number back. That's what Hoopes did with the gun.These technologies are putting a bull's eye on the bad guys. The NIBIN system's images have led to 110,000 hits giving investigators a wealth of knowledge from seemingly unrelated crimes, sometimes from the other side of the country, now connected by a firearm."Jurisdictions can't talk to each other but within our NIBIN system we're able to figure that out," said ATF Special Agent Jeff Rice.These hits allow investigators to get surveillance video, the makes of cars, license plates, or other pieces of evidence from one scene and use it in the other cases involving that same gun.That gets law enforcement much closer to finding the shooter and making the arrest.  See Kimberly Hunt's full report: 2873