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In the congressional debate over gun control, all eyes are on the Cabinet Room in the White House for a Wednesday afternoon meeting.As House Republicans made clear, any and all gun restrictions were off the table, and senators still grappled with what, if any, path forward they had. It's President Donald Trump who will dictate the next steps in the gun debate.Bottom line: Sweeping gun restrictions -- at this point, any gun restrictions -- are not in the cards in the Republican-led Congress. That much seems clear. But the top aides in both parties continue to acknowledge that the President can scramble the direction of things if the meeting takes some kind of unexpected turn toward, say, the comprehensive background checks measure that's hanging out in the Senate.  787

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 a long time running -- four decades to be exact -- since an American woman broke the finish line tape at the New York City Marathon, but Olympic medalist Shalane Flanagan did just that on Sunday.With an unofficial time of 2 hours, 26 minutes and 53 seconds, the 36-year-old Flanagan beat three-time defending champion Mary Keitany of Kenya by a minute and one second. Times won't be official until later this month.Flanagan crossed the finish line in tears before proudly holding the Stars and Stripes aloft. She smiled for the crowd as she wrapped herself in the American flag.She called the moment "indescribable," according to CNN affiliate WABC, and wept again on the podium as her name was announced. 728

It took four days for The Associated Press and other media outlets to call the presidential election for Joe Biden and Kamala Harris. Now, recounts and certification of the results will take a bit longer.With races too close to call in Arizona, Nevada and Georgia, Pennsylvania became the battleground that tipped the Electoral College count in Biden’s favor Saturday afternoon.But within hours of declaring victory, President Donald Trump released a statement saying, “Joe Biden has not been certified the winner of any state.”“Technically it's true. Certifying election results takes a while,” said Kira Lerner, the managing editor of Vote Beat, a non-partisan, non-profit covering election administration and voting.“Canvassing is the process of counting the ballots,” said Lerner. “It's what election officials are doing across the country right now. They're working tirelessly, overnight in some cases, to make sure that every single vote is counted in the certification process. Each state has a different deadline.”Certification happens after canvassing – whereby election officials verify that every single ballot was counted and there were no clerical errors. But tallying has taken longer due to record turnout and a surge in mail-in ballots.Still, six states have a deadline of within one week of the election to certify their results and have already done so. (Delaware, Virginia, Vermont, South Dakota, Oklahoma, and Louisiana).In 26 states and Washington D.C., the certification deadline is between November 10 and the 30. (Wyoming, Mississippi, Florida, Massachusetts, Idaho, Arkansas, North Dakota, Georgia, Utah, Pennsylvania, Michigan, Maine, Kentucky, Ohio, North Carolina, New Mexico, Minnesota, Indiana, Washington D.C., Alaska, Alabama, Nebraska, Montana, Iowa, Colorado, and Arizona).In 14 states, the certification deadline is in December. (Wisconsin, Nevada, Kansas, West Virginia, Washington, Texas, Oregon, Connecticut, Illinois, New York, New Jersey, Missouri, Maryland, and California)The remaining states don’t have deadlines. (Hawaii, New Hampshire, Rhode Island, and Tennessee)“It will be some time before we can formally certify the winner of the presidential contest. But that doesn't mean that we won't know without a doubt who our president elect is, which we already do,” said Lerner.And then there are the recounts. In some states, they are automatically triggered when the victory falls within a razor thin margin. In Georgia, for example that’s .5%.But in the majority of states, candidates, political parties and in some cases voters can request a recount.Currently, the Trump administration is calling for recounts in Wisconsin and Georgia.“In Wisconsin, you have two days after the winner of the race has been certified to call for a recount. In other states, like Georgia, the secretary of state has already said that he will be seeking a recount on Donald Trump's behalf.”Lerner says legal challenges and recounts will likely fail to change the outcome of the election. Electors will vote by mid-December and deliver to officials in Washington just before Christmas. It may take a few more weeks but experts say the official results are unlikely to be delayed. 3213

It was supposed to be a raucous, week-long, open floor debate on immigration -- the President's signature issue and such a contentious topic that Democrats shut the government down over it just a month ago.Instead, it was the incredible shrinking immigration debate, which lasted roughly one hour on the floor and ended without a single amendment passing to protect DACA recipients or send a cent of funding for President Donald Trump's border wall."I'm ready to move on," said Louisiana Republican Sen. John Kennedy. "We wasted a whole week here. And I'm ready to move on. There are other issues in front of us."Fingers were pointed in all directions as members retreated from the floor, defeated, frustrated and downright mad that after weeks of negotiations, the best chance they had to broker a deal ended without any resolution for a population everyone agreed they had wanted to help.A group of bipartisan lawmakers -- the same group responsible for helping end a government shutdown weeks before -- fumed at the White House's treatment of their proposal, which they argued could have inched toward passage, had the White House stayed on the sidelines rather than actively lobbied against them.On the floor of the Senate, Sen. Susan Collins, a moderate Republican from Maine, was frustrated that the amendment her group had brokered without Sen. Chuck Schumer, the Democratic leader, was being referred to as the Schumer amendment. The name undermined the entire point of her group's efforts: that it had been reached by the middle, not by party leaders. Collins could be heard telling colleagues that the move was "so wrong."Sen. Mike Rounds, a Republican from South Dakota, acknowledged "there were a few games being played.""You don't forget 'em, but you just roll with them," Rounds said.Just hours after senators had reached an agreement on a plan that provided a path to citizenship for DACA recipients in exchange for billion in border security, the administration began their effort to undermine the amendment. President Donald Trump issued a veto threat. And in a briefing call with reporters Thursday, two administration officials, one of them a White House official, called the bill "outrageous" and "irresponsible," and argued it would "put many innocent lives at risk.""The bill is so spectacularly poorly drafted, I mean unless you imagine it was drafted for the purpose of gutting immigration enforcement," the White House official said, before the officials criticized Sen. Lindsey Graham, R-South Carolina, who fought back."I could care less about what an anonymous White House official says. I'm looking for leadership from the White House, not demagoguery," Graham told reporters.Sen. Chris Coons, a Democrat from Delaware, said he blamed the White House "a great deal.""It is striking to me that the White House and the Department of Homeland security actively and aggressively campaigned against the McCain-Coons bill and the bipartisan Rounds-King bill and yet both of those bills got more votes significantly then the White House- initiated Grassley bill," Coons said.Sen. Lisa Murkowski, a Republican from Alaska, lamented that the White House had missed an opportunity."I fear that you've got some within the White House that have not yet figured out that legislation almost by its very definition is a compromise product and compromise doesn't mean getting four Republicans together and figuring out what it is that those four agree on, it is broader," she said.GOP efforts to kill amendment 3535

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