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It's a familiar scene in TV melodramas: Mid-intercourse, an older man collapses, clutching his heart. Yet sex and sudden cardiac arrest rarely happen together, according to preliminary research presented Sunday at the American Heart Association's Scientific Sessions 2017.Sudden cardiac arrest is a short circuit that occurs in the heart's electrical system, causing it to stop beating suddenly."On average in the US, only 10% or less actually survive a cardiac arrest," said Dr. Sumeet Chugh, senior author of the study and a professor of medicine at Cedars-Sinai Heart Institute in Los Angeles. 609

INDIANAPOLIS — A woman needed help after she spent nearly ,000 on Amazon gift cards from Kroger and they didn't work. "I love wearing jewelry. I wear a lot of jewelry that I know makes a woman feel really good; it makes her feel a little bit more bouncy," said, Lilly Ogle, who is a jewelry maker.The cash from her creations sold around the world helps pay the bills."I've sold pieces in Denmark, Finland, Germany—just all over," she said. "I use real stones; I use onyx, pearl, Mother of Pearl, jade, all kinds."Last year, she saved 5. That money was meant to buy Christmas gifts for her family."It took me a whole year to save that money," Ogle said. So she bought 5 in Amazon gift cards at her local Kroger store, and then this happened:"I got home 20 minutes later, tried to use those cards, and they said they have already been used—that's impossible. I just got them," Ogle recalled. She says Amazon told her they couldn't help because she did not order the cards directly from them.Though she had her receipts, Kroger said it could not help because gift cards are like cash. The cards "...cannot be replaced, and no refunds can be made."Kroger also said, "Cashiers have no way to know if the gift card belongs to the person presenting it or to someone else ... since the cards have no names on them and no ID is required for their use.""I'm not trying to get more than I paid for the cards. I feel like I deserve 5 back that I put out for the cards," Ogle explained. Blackhawk Network, the company that oversees the Amazon cards, said they could not provide specifics on what happened to Ogle's card. They did review our request and, in the end, refunded the 5. The company said in a statement:"We can share that we are in contact with her to resolve this matter to her satisfaction. Our advice to any cardholder that may have questions, concerns, suspicions about a card is that it's very important to call the customer service number on the back of the card immediately."We have processes to help victims of fraud through restitution when appropriate. However, we don't go at it alone. Blackhawk partners with law enforcement in our various geographies and retail industry organizations to enable a safer shopping environment for consumers."This article was written by Rafael Sanchez for WRTV. 2325

In the shadow of the Capitol dome Tuesday was a sobering display of thousands of pairs of shoes, organized neatly across the grass said to represent children who have died in the US from gunshot wounds since the Newtown elementary school massacre in 2012.The global advocacy group Avaaz has been collecting donated pairs of shoes for two weeks and early Tuesday morning lined them up one by one, 18 inches apart, in roughly 80 rows on the Capitol lawn, as Congress continues to sort through a debate over gun violence and school safety."Shoes are individual. They're so personal. There are ballet slippers here and roller skates. These are kids," said Nell Greenberg, the campaign director for Avaaz.The display feature 7,000 pairs of shoes. To arrive at that figure, the group cited a 2017 report from the American Academy of Pediatrics using data from the Centers for Disease Control and Prevention that found nearly 1,300 children die from gunshot wounds in the US every year. Avaaz then tallied up the estimated number since the December 2012 shooting at Sandy Hook Elementary School.Organizers say shoes were donated from across the country and stored in a Washington, DC, warehouse until Tuesday. Among those who donated were family members who've lost loved ones to gun violence, such as Tom Mauser, who lost his son in the Columbine school shooting and traveled from Colorado to hand deliver his son's shoes for the display."My son wore the same size shoes as me. I discovered that after he died and that became a big symbol for me, that I could walk in his shoes," said Mauser, who has since become an advocate for stricter gun control.Mauser came to Washington with two pairs of his son's size 10.5 shoes. He placed one pair in the display and wore the other pair -- some gray and black Vans that Daniel was wearing the day he was killed. "That's usually what I wear," Tom Mauser said.Shoes from celebrities like actress Bette Midler and comedian Chelsea Handler were also seen on the grass.The display comes nearly one month after a gunman killed 17 people at a Parkland, Florida, high school, triggering a vocal movement led by student activists demanding more gun control and school safety.The House of Representatives votes Wednesday on a bill to increase security at school, and while it's expected to pass, many Democrats are upset the package doesn't include gun control measures. Also on the Capitol lawn Tuesday, six senators gathered for a news conference to support the Senate version of the House bill, also known as the STOP School Violence Act. The Senate version does not contain gun measures."This is about schools but it's not just about schools," Republican Sen. Marco Rubio of Florida, who is a co-sponsor of the Senate bill, told reporters. "When someone is determined that they're going to commit an act of violence, it could be in a school, it could be in a mall, it could be in a movie theater, it could be in an airport, it could be at a stadium. So, what we're really focused on here more than anything else is identifying the people that are going to commit a violent act irrespective of where they're going to commit it and stopping them before they do it."The Senate Judiciary Committee will hold a hearing Wednesday on the Parkland shooting and failures by FBI and law enforcement to recognize warning signs exhibited by the gunman before the massacre. The hearing is also expected to focus on a spate of recent gun control legislation that's been introduced by members on both sides of the aisle.Gabrielle Weiss, a 24-year-old volunteer who helped lay out the shoes Tuesday morning, said she wanted to help keep the issue of gun violence alive in the news cycle after seeing it fade after past shootings."I was happy that we were doing this a while after (the Florida shooting) just to keep beating the drum," said Weiss. "These kids that were lost in Florida, they aren't just headlines. They're real people that could have been standing there today." 4010

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

INDIANAPOLIS -- The two men accused of shooting and killing a 1-year-old were at home playing video games at the time, the mother of one of the suspects said Wednesday morning.Darrin Banks, 27, and Brian Palmer, 29, have been charged with shooting and killing 1-year-old Malaysia Robson on March 30. "I want the detectives, I want whoever, to pull up Microsoft and see where they have logged in," Renee Sloan, Palmer's mother,  said. "You have dinged these men as murderers. You have put a tag on them as murderers, and they're not murderers."Robson was killed when gunfire struck her home on the 3500 block of Wittfield Avenue. Police have said it began as a dispute on social media. Someone then drove to the home and opened fire at around 2 a.m. Banks and Palmer face preliminary charges of murder and aggravated assault. "The whole community is talking about Darrin Banks and Brian Palmer," Sloan said. "Those are their names. They're not murderers. They're human beings and they have names. They did not do this. That is not in their demeanor. That is not how they work. That is not what they do. I want to have a voice for them. Everyone else has a voice but those two. I want people to know what type of people they are."The weekend after Robson was killed, the 1-year-old's grandmother helped organize a call for unity in the community and a march to reduce gun violence.For Robson's grandmother, it was a way to remember her grandchild and push for change so no family ever has to go through the same loss."For anyone with kids - go home and love your kids like never before," she said. Malaysia Robson is the youngest victim of a fatal shooting in Indianapolis since 2013. Her death was also the only under 10 shooting victim during that period to be ruled a criminal homicide. The other deaths were determined to be accidental.  1912

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