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In the midst of the coronavirus pandemic, the Trump administration on Thursday urged the Supreme Court to overturn the Affordable Care Act.The administration’s latest high court filing came the same day the government reported that close to half a million people who lost their health insurance amid the economic shutdown to slow the spread of COVID-19 have gotten coverage through HealthCare.gov.The administration’s legal brief makes no mention of the virus.Some 20 million Americans could lose their health coverage and protections for people with preexisting health conditions also would be put at risk if the court agrees with the administration in a case that won’t be heard before the fall.In the case before the Supreme Court, Texas and other conservative-led states argue that the ACA was essentially rendered unconstitutional after Congress passed tax legislation in 2017 that eliminated the law’s unpopular fines for not having health insurance, but left in place its requirement that virtually all Americans have coverage.After failing to repeal “Obamacare” in 2017 when Republicans fully controlled Congress, President Donald Trump has put the weight of his administration behind the legal challenge.If the health insurance requirement is invalidated, “then it necessarily follows that the rest of the ACA must also fall,” Solicitor General Noel Francisco wrote Thursday.The Trump administration’s views on what parts of the ACA might be kept or replaced if the law is overturned have shifted over time. But in legal arguments, it has always supported getting rid of “Obamacare” provisions that prohibit insurance companies from discriminating against people on account of their medical history.Nonetheless, Trump has repeatedly assured Americans that people with preexisting conditions would still be protected. Neither the White House nor congressional Republicans have specified how.The new sign-ups for health coverage come from the Centers for Medicare and Medicaid Services. The figures are partial because they don’t include sign-ups from states that run their own health insurance marketplaces. Major states like California and New York are not counted in the federal statistics.An estimated 27 million people may have lost job-based coverage due to layoffs, and it’s unclear what — if anything — they’re turning to as a fallback. People who lose employer health care are eligible for a special sign-up period for subsidized plans under the Obama-era law. Many may also qualify for Medicaid.The Trump administration has been criticized for not doing as much as states like California to publicize these readily available backups. In response, administration officials say they have updated the HealthCare.gov website to make it easier for consumers to find information on special sign-up periods.Thursday’s report from the government showed that about 487,000 people signed up with HealthCare.gov after losing their workplace coverage this year. That’s an increase of 46% from the same time period last year. 3037
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

Italian authorities have launched an investigation into the cause of death of 26 teenage girls whose bodies were recovered in the Mediterranean Sea on Sunday.The girls, aged 14-18, are believed to have been migrants from Niger and Nigeria who had embarked on the treacherous route to Europe from Libya over the weekend.Lorena Ciccotti, Salerno's head of police, told CNN that autopsies would be carried out on Tuesday and that coroners would be investigating whether the girls had been tortured or sexually abused.Their bodies were found close to a flimsy rubber dinghy that had all but sunk when rescuers arrived, Ciccotti said. Aid workers had described a grim scene: survivors hanging onto the remains of the vessel as the girls' bodies floated nearby.Their rescue was one of four separate rescue operations carried out in the Mediterranean over the weekend. In total, 400 people were brought aboard the Spanish vessel Cantabria before disembarking at the Italian port town of Salerno.Among them were 90 women and 52 minors, including a week-old-baby, authorities said.Libya is a well-known jumping-off point for migrants seeking refuge on European shores. Many from sub-Saharan Africa, are fleeing war and persecution; others from impoverished nations in Africa, the Middle East and South Asia have made the treacherous journey in search of better economic opportunities.The North African country is a hotbed for human traffickers, whose network of smuggling operations have gone widely unchecked due to Libya's lack of effective central governance.On Monday, Italian police arrested two men, an Egyptian and a Libyan accused with human smuggling. The men are not believed to be connected to the boat that was transporting the teenage girls.Since the start of this year, 2,839 migrants have died on the central Mediterranean route, according to the International Organization for Migration. 150,982 migrants have reached European shores, of which around 74% are Italian arrivals.In August, Italy deployed two military ships to Libya, offering training to the Libyan Tripoli Coast Guard following an agreement signed between the Italian Interior Minister, the Tripoli government and various mayors of Libyan villages to fight human trafficking. 2260
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
It appears another week on Capitol Hill will come to a close without any sort of agreement on another stimulus plan. The US Senate adjourned on Thursday for the weekend, and won't resume until Monday.While Congressional Democrats, Senate Republicans and the White House are largely in agreement on the need for a stimulus, agreeing to a framework remains in question. The two sides are at odds over how much of unemployment should be supplemented by the federal government. There is also a debate on offering businesses liability protection from coronavirus-related lawsuits.On Thursday, House Speaker Nancy Pelosi said Democrats won’t back down from their request to have a 0 weekly unemployment supplement.“We're not having a short-term extension... We have said that we're going to have the 0,” Pelosi said.But what about criticism from Republicans that a 0 a week supplement to unemployment is more lucrative than working?“There are all kinds of reasons that weigh in on this pandemic,” Pelosi said. “People have to stay home if their children are not able to go to school or if they don't have childcare. There are a number of reasons. But none of them is 'I want to stay home because I make more money this way than other', maybe some of these employers could pay their workers more."Meanwhile at the White House, President Donald Trump said he is ready to take action on a few items via executive order if need be. With a federal student loan freeze set to lift in eight weeks, and eviction protection ending last week, Trump tweeted, “I’ve notified my staff to continue working on an Executive Order with respect to Payroll Tax Cut, Eviction Protections, Unemployment Extensions, and Student Loan Repayment Options” 1740
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