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PHILADELPHIA, Penn. -- The first time we met Terrance Lewis was a couple weeks after he had been released from prison.“My name is Terrance Lewis. I’ve been a home a year now after spending 21 years in prison for a murder I did not commit.”He had successfully proven his innocence. However, 21 years of life were spent behind bars.“I can’t believe that I’ve been home an actual year already," Lewis said. "Sometimes it seems like it’s only been three weeks. Being in captivity for so long for a crime you didn’t commit and then be able to be free is breathtaking to say the least.”His freedom gave him motivation to have a positive impact on this world.“There would be no good having bitterness or resentment and hanging on to anger and rage. So, I channeled those frustrations and those emotions and I used them as propane or premium gas to do what one would consider a righteous work.”In his process of reintegrating back into society, Lewis has been working to get bills passed in the state of Pennsylvania – that would expunge records and compensate those wrongfully convicted. He’s also working at a homeless shelter. His love for supporting others is very clear.Among all these accomplishments in only 365 days, perhaps his greatest achievement he says is the creation of a nonprofit.“I have successfully launched the Terrance Lewis Liberation Foundation," Lewis said. "The Liberation Foundation is dedicated to advocating for those who are wrongfully convicted and who do not have legal representation.”The Liberation Foundation is still in its early stages. But with the help from students at the University of Pennsylvania, they’ll soon be helping people who say they were wrongfully convicted, but who don’t have the resources to advocate on their own behalf.“It takes a village and this is me, I guess, creating and manufacturing that village with the Liberation Foundation.”The Liberation Foundation is another nonprofit to add to the list of groups seeking justice for innocent people.“My name is Abd’allah Lateef, I am the Pennsylvania Coordinator for the Incarcerated Children’s Advocacy Network which is a program for the National Campaign for Fair Sentencing of Youth headquartered in Washington D.C.”The National Campaign for Fair Sentencing of Youth’s primary goal is advocacy and legislative work to abolish life without possibility of parole sentencing for children across the nation. Terrance – who was 17 at the time of his arrest -- was originally sentenced to life in prison without parole.“He’s one of the more fortunate ones who has been able to prove actual innocence and be fully exonerated,” Lateef said.Lateef says that’s not the case for a majority of people in black communities.“Black folks are – black children in particular – are three times more likely to be sentenced to life without possibility of parole in the state of Pennsylvania. And actually, across the nation those numbers hold true as well,” Lateef said.Lateef says people of color are charged, incarcerated and sentenced at rates more extreme than their white counterparts. According to the NAACP, Black people are incarcerated at more than five times the rate of whites. He believes it has to do with the way people of color - especially young people - are viewed in the criminal justice system.“They characterize black youth as being super predators, as being immoral, as being monsters in some cases, and all of the descriptors that are used to dehumanize youth in a way that doesn’t apply to their white counterpart,” Lateef said.Terrance says what happened to George Floyd hit him on a very personal level.“It’s real. It’s really, really real. Because I’ve been there before having my life taken from me, and I just think, ‘wow, what would be the next traffic stop of pullover for myself? Would my fate be like the fate of George Floyd?” Lewis said.Lateef and Terrance both agree the criminal justice system has a lot of work that needs to be done to assure people of color are treated fairly, work that requires commitment from everyone."That shouldn’t be the onus of black and brown people, but that’s the onus of every American with a conscience who thinks of this country as being a great country, who thinks of this country being a land of opportunity," Lateef said.A land of opportunity that Terrance is now fully embracing to help other people who claim innocence.“The gray in my beard comes from having the tenacity not to quit even when you know you feel the pressure on your back and you just push forward. So that’s what I’ve been doing, and thus it’s showing on my face,” Lewis said. 4606

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

PENSACOLA, Fla. (AP) — Hurricane Sally has lumbered ashore near the Florida-Alabama line with 105 mph winds and rain measured in feet, not inches. The storm swamped homes Wednesday and forced the rescue of hundreds of people. Now weakened into a tropical storm, Sally is pushing slowly inland for what could be a slow and disastrous drenching across the Deep South. Authorities in Pensacola, Florida, say 200 members of the National Guard will arrive on Thursday. The storm cast boats onto land or sank them at the dock, flattened palm trees, peeled away roofs, and blew down signs. More than 540,000 homes and businesses are without electricity in the stricken area. 675

PALM HARBOR, Fla. — They call it the Olympics of hair. Every two years top stylists from around the globe meet in a different country for the world championships. Due to the pandemic, this year’s event was canceled, so a salon in Palm Harbor, Florida decided to do their own internal competition.They aren’t just hairdos, they are works of art at Salon Bella Flora.“I kept getting the comments like, ‘Are you kidding me, this is awesome,'” said owner Flora Paskalakis Stoltz.Before Stoltz owned her own salon, she was traveling the world, cutting and combing hair, against the best of the best.“When you are at the world championships, it’s like being in a huge stadium and there’s hundreds of competitors competing at one time and it's intense,” said Stoltz.So as a way to boost staff morale during a difficult year, she decided to hold her own competition. The theme was fantasy.“Let's do something fun, let's get creative juices flowing, let's get inspired, let's get into teams and team work,” said Stoltz.For some of these stylists, it was their first time participating in this type of competition, while for others it was a trip down memory lane.“I was excited to get outside my comfort zone, try new things, do better, be better at what I do, it was really fun,” said Arianna Shuster.“I think it pumped us up, it kind of brought us all together, a few of us didn’t know each other very well so it gave us a chance to spend a lot of time together and learn from each other,” said Katherine Mahinis.They say the key to remember is there are no real rules.“We’re going to do Mother Nature the Root of All Evil, we didn’t go to Michaels and buy branches and leaves, we went to the yard and started picking up stuff,” said Denise RamikIn the end, all three teams were winners, gaining accolades virtually from renowned judges, opening the door to the world championships in Japan next year."I would love to, I wish I can join the team but we'll see," said Rovena Lulaj.This story originally reported by Robert Boyd on abcactionnews.com. 2047

Our investigators determined smoke alarms were present but inoperable at K St NW house fire. If this blaze took place at night, the results could have been tragic. Fire burns fast, and WORKING smoke alarms give you those precious seconds to safely escape a burning home. pic.twitter.com/mOlMjL7rpj— DC Fire and EMS (@dcfireems) July 21, 2020 349