濮阳东方男科治病专业(濮阳东方医院男科看阳痿价格正规) (今日更新中)

Plano police remain on a mass shooting scene on Monday in Plano, Texas, where eight people -- including the suspect -- are dead.The shooting occurred at a home on West Spring Creek Parkway around 8:00 p.m. Sunday evening. That's where officers found seven dead bodies, and two others with gunshot wounds; those two were taken to the hospital.Plano officers confronted the suspect inside the home, where they shot and killed him. The officer who fired the shots has been placed on administrative leave. The Texas Rangers were also on scene investigating the shooting.The area around the shooting was closed Monday morning as police continue to investigate the scene. They are looking into a motive and the suspect's relation to the victims. 747

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

PALA MESA, Calif. (KGTV) -- A Temecula woman who stopped to help victims of a deadly bus crash in Pala Mesa on the I-15 freeway is hoping to connect with the family of the woman she comforted until she passed. Jacqueline Hernandez says she never thought twice about stopping to help the victims of the bus crash. She says it was pouring rain, but when she noticed what happened, she pulled over to ask how she could help. Hernandez says she joined other Good Samaritans that had pulled over to help. She says, she arrived just moments after the crash. The charter bus traveling from El Monte to Tijuana on the southbound 15 when it crashed. Three women were killed, 18 people were sent to local hospitals. Hernandez tells 10News she noticed a woman ejected from the bus and says two men started alternating CPR. She says she tried to keep the woman alert, speaking to her in Spanish and holding her face. Eventually paramedics told Hernandez the woman no longer had a pulse. While Hernandez tried to help the woman, her two children passed out blankets to the other victims that were injured.Hernandez wants the woman's family to know their loved one was not alone in her final moments. The California Highway Patrol is now helping Hernandez arrange a meeting with the woman's family. Hernandez is hoping to help them financially with funeral costs. The three victims were identified as ,23-year-old Cinthya Karely Rodriguez Banda, Maria De La Luz Diaz, 67 of Riverside, and Julia Perez Cornejo, 73. 1508

People with private student loans have been struggling during the pandemic. Their loans aren't eligible for the government's penalty-free repayment pause, which is in effect until at least Oct. 1 for federal student loans.About 70% of borrowers in a new survey from Student Loan Hero have been successful in getting their private lender to give them a break after they called to ask.Nearly three out of ten people in the survey with private student loans say they've thought about filing for bankruptcy over the last three months. Gen X has considered this the most.We talked to a certified student debt counselor and student loan lawyer, Christie Arkovich, who says a lot of people don’t realize you can discharge student loan debt in bankruptcy.“What we're targeting is someone who usually had federal loans and private loans and we are usually arguing that the private loans were taken outside the cost of education and therefor, they're just like any other debt, credit card debt and such, and they can be discharged,” said Arkovich.“Outside the cost of education” means more has been loaned out than what the person needed. Arkovich says her goal with bankruptcy cases is not to necessarily get rid of the entire debt, but to make payments sustainable and affordable, with an end date.Bankruptcy is an extreme measure and not for everyone.“Bankruptcy is a last resort option, because it will really force you not only as a student loan borrower but as a citizen and a consumer to start from scratch on your finances,” said Arkovich. “So, your student loan debt shouldn't be the only reason that you would consider bankruptcy.”One thing to consider first with private student loans is debt consolidation. You can work with a nonprofit credit counselor on that. There are also repayment assistance programs for private loans.Federal student loans have more options, including student loan forgiveness programs.For current students, make sure your FAFSA is up to date, so it reflects your family's current financial situations. After that, contact your school's financial aid office. Explain your situation if your family has lost income as a result of the pandemic.Colleges expect students to appeal their financial aid packages right now, and it may get you more money to help pay for school. 2304

PARIS (AP) — Oscar winner Olivia de Havilland, best known as the kindly Melanie in “Gone With the Wind,” has died. She was 104.Publicist Lisa Goldberg said the actress died peacefully of natural causes on Sunday at her home in Paris.The doe-eyed brunette was among the last of the great stars from the studio age and was the last surviving major performer from “Gone With the Wind.”The star won the Academy Award for Best Actress in a Leading Role for her role in 1946's “To Each His Own,” and won it again for her work in 1949's “The Heiress.”The sister of actress Joan Fontaine, de Havilland also appeared with Errol Flynn in several movies, including “The Adventures of Robin Hood.” 693

来源：资阳报