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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

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

Is there something you wish had never been invented?For a second-grader in Louisiana, it's their mother's cell phone.The student's teacher, Jen Adams Beason, posted this comment on her Facebook page, along with the child's essay.In that post, Beason revealed that four of her 21 students also said they wished cell phones had never been invented.In the essay, the student wrote, "I would say that I don't like the phone," capping off the work with a drawing of a cell phone with an "x" through it and a sad face saying, "I hate it." The image was posted on May 18 and has since been shared more than 207,000 times.As you can imagine, it's generating a strong response online."Wow. Out of the mouths of babes! We are all guilty!" wrote one person. "Truth from a second grader! This is powerful," added another.A 2017 survey reported that half of parents found using technology disrupted time with their children three or more times a day.    968

It's tough enough to get a student to sit still, let alone keep a mask on all day.For schools planning to return to full or partial in-person education, all students are required to wear masks. The order from Ohio Gov. Mike DeWine came based on recommendations from The Ohio Children’s Hospital Association and the American Academy of Pediatrics.Carol Gebhardt, a fourth-grade teacher at Mason Elementary School, said she wants to make sure her students are being safe.“I think that if we show them, we show our students that, you know, we can make the best of this situation, that it will hopefully roll over onto them,” she said. “I've seen a lot of funny memes about what's going to happen. But I think also if you are modeling that, wearing it at the beginning of the year and setting up that 'this is good for us. This is good for our safety. We want to wear these.’ These are a positive thing.”Dr. Josh Schazzfin, Cincinnati Children's leading expert on infection prevention and control and associate professor of infectious disease, said wearing a mask is like other learned behaviors for kids.“We're not born knowing to brush our teeth or to put on clothes or to wear shoes, how to behave,” he said. “A child will respond to incentives -- a star on a chart that leads to a reward. The child gets to choose what kind of mask or the logo on a mask. The child's obsessed with Marvel Comics, the child's obsessed with dinosaurs, put those on the mask.”Schazzfin agreed with Gebhardt, that parents and teachers should lead by example on this issue.“Number one, we lead by example, and number two, we set expectations. This is acceptable, this is not acceptable,” Schazzfin said.Schazzfin said it's not about forcing the issue but finding the best way to acclimate your child to wear a mask.Hamilton County officials are working to make sure schools have a stockpile of masks and other PPE for students and teachers.Hamilton County Emergency Management Agency partnered with the county Educational Service Center to provide masks, 350 no-touch thermometers, and 50,000 face shields to schools in the county.This story was originally reported by Pat LaFleur at WCPO. 2175

It only took a little over 15 minutes for Ed Bledsoe to lose three lives that meant the world to him -- his wife and their two great-grandchildren.He had left his home in Shasta County, California, on Thursday to go to the doctor, he told CNN on Sunday. The Carr Fire had been burning for four days at that point and Bledsoe said he didn't realize the fire was coming into his neighborhood.He also said his family was never told to evacuate.While he was out, his 70-year-old wife, Melody Bledsoe, called and told him she could see the fire and that he needed to come get her and their great-grandchildren, 4-year-old Emily Roberts and 5-year-old James Roberts, who Ed Bledsoe called "Junior.""I said 'I'm on my way.' So I just throwed down everything and took off," he said.Ed Bledsoe said he wasn't able to use his usual route to get home because of traffic congestion in the fire area, so he left his car and tried to make it home on foot but that, too, was not possible."I took off running down there (toward his house) and I helped some guy that got burnt ... I got him and helped him out of there and when I got back down there the fire was" -- Bledsoe paused, seeming to search for a word to accurately convey the chaos -- "the fire was ... just intense."But I still tried to get down in there and they come and stopped me and wouldn't let me get down in there."Bledsoe said he got back in his car and sped through an alternate route, passing "everybody in the dirt" but still could not get to his house.At the same time, his sons also tried to get to the house, he said, and heat and flames were so intense as one son tried "it burned his hair off. It took his breath," adding that his son's house was also on fire. In those final minutes, unable to get to his wife and their great-grandchildren, Bledsoe was able to get through on the phone.Bledsoe broke into sobs as he described the words that passed between them."He just kept saying 'Grandpa, come and get me," Bledsoe said, referring to 5-year-old James. "'The fire's coming in the back door. C'mon Grandpa.' I said 'I'm right down the road.'"His granddaughter and wife were also on the phone, he said."Emily says, 'I love you, Grandpa.' Grandma said 'I love you, Grandpa ...' Junior said, 'I love you ... come and get us ... come and get us ...' I said 'I'm on my way ... ' He talked until he died." 2371

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