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Parents know that a road trip with a baby can be a nightmare. Even stopping for a break hardly counts as "rest." And when it comes to twins? Forget about it.One Reddit user, posting under the handle "neroiscariot" found himself in that exact situation. He says he was returning from his brother's funeral with his wife and twin babies when the family stopped at an IHOP. In an already stressful situation, the poster says he was struggling to keep his children calm.Though the two fussy children seemed to be bothering diners around the restaurant, one customer went of their way to brighten the family's day."A stranger picked up our tab at IHOP while my wife and I were struggling to keep our twin babies calm. We cried," neroiscariot posted. He included a photo of a receipt that included the message "Just breathe you're doing great :)."  875

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

PALM CITY, Fla. -- A new dog training facility is almost complete in Florida. Its goal is to rescue pups and turn them into service dogs for veterans who need them now even more than ever during a pandemic.Veteran Suhir Shrestha was born in Nepal and moved to the U.S. He was so thankful for his life here that he decided to enlist in the military as a way to give back, at 39 years old."I deployed to Afghanistan in 2013 and there, obviously, it was a war zone," he said.Shrestha said when he returned, he suffered from PTSD, depression and anxiety."I had a lot of suicidal thoughts and a lot of negative thoughts, nightmares, flashbacks, what have you," he said. "It was very difficult to lead a life."It's a life that has recently take on new meaning with Indie by his side."It has been a tremendous life-changer for me," he said. "Before, I used to be not able to go outside, be nervous of a crowd and just have negative thoughts in me."Indie was adopted from the shelter-to-service dog program through Furry Friends Adoption Clinic and Ranch."Gives me extra confidence to go outside because I have him," Shrestha said."These dogs are coming from high-kill shelters in many cases," said Pat Deshong, the president of Furry Friends Adoption Clinic and Ranch. "We don't necessarily take them to be service dogs, but we take them because they are high energy."The group is building a new training center in Palm City and is weeks away from completion. It's all in an effort to bring veterans from across the country to Florida to adopt."These veterans are so deserving of these dogs," Deshong said. "We don't automatically pick which dog is right for the veteran. We let the veteran select and we kind of monitor and see which two connect."This story was originally published by Tory Dunnan at WPTV. 1808

PARADISE HILLS (KGTV) -- A Paradise Hills nursing home sees a surge in COVID-19 cases, worrying the families of those who live in the facility.According to the administrator of Reo Vista Healthcare Center, 71 residents and 28 staff members have tested positive for COVID-19. One resident passed away. State data from Monday shows Reo Vista Healthcare Center with the highest one-day positive patient total in the county.“Eight residents are currently hospitalized in stable condition. The remaining residents who tested positive for COVID-19 are isolated at the facility with mild symptoms,” said Curtis White, Reo Vista Healthcare’s administrator.White added that four employees have recovered and the remaining who have tested positive are also self-isolating with mild symptoms.Cesar Noriega’s 90-year-old mother is currently staying at Reo Vista. She has also tested positive for the virus. “I was terrified,” he told Team 10.“It’s a staggering number by any measure,” said Mike Dark, an attorney with California Advocates for Nursing Home Reform. He is not affiliated with Reo Vista Healthcare.Dark said California rules require nursing homes to come up with testing plans to cover all residents and health care workers. “The problem has been an execution of those plans. It’s been spotty at best,” Dark said.Another concern at nursing homes is the staff, which typically consists of certified nursing assistants. He said many often work at multiple places due to low pay.“When the virus comes into a facility and they’re exposed to it, they can carry it unwillingly into another facility that they’re working at,” Dark said.Noriega said he likes Reo Vista, but he needs to think of his mother’s health. “What happened with the outbreak there, it’s tragic. It’s unfortunate, so I need to get my mom out. I can’t leave my mom there,” Noriega said.The facility currently holds about 135 residents and 150 staff members, according to White. He said a baseline COVID-19 test was conducted on May 28th and a second round of testing occurred between June 16 and June 18. Test results came back on June 27.“This incident underscores the service and sacrifices made by our dedicated team every day. We’re grateful for their continued effort. Our top priority remains the health and well-being of everyone in our facility,” White said. 2339

PIERCE TOWNSHIP, Ohio -- Getting cited by the police doesn't always have to be a bad thing in Pierce Township. Police Chief Jeff Bachman said his men have added a new type of ticket to their arsenal: A yellow slip recognizing the actions of residents who take time to do the right thing for others."You'll get a call from maybe a disabled motorist, someone with a flat tire, and you pull up and someone is already changing that tire," Bachman said. Those are the people honored by the new golden tickets, each of which comes with a Walmart gift card. Bachman said he hoped the initiative would inject some happiness into his community and help people connect with police in a positive way."We see a lot of negativity on the news, in our job, but why not accent the positive?" he said. "People do good things."Twenty-one-year-old Sadie LaRoque and 20-year-old Matthew Murphy were the latest golden ticket recipients this week."We were sitting in the parking lot of the movie theater after our movie got out, and we saw some teenagers acting suspicious -- leaning up against somebody's car, touching it," LaRoque said.These witnesses turned investigators wanted to do the right thing, so they approached the teenagers and jotted down their license plate information, which went a long way for police. "We have great residents," Officer Philip Gammon said. "If we get a chance to recognize the good things that they're doing, I think we should take the opportunity to do that." 1506