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INDIANAPOLIS, Ind. — Vice President Mike Pence and Second Lady Karen Pence have canceled a planned trip to Indianapolis to cast their ballots early, according to a statement from the Vice President's Office. The statement said the Vice President looks forward to rescheduling the trip in the near future.According to Politico White House Correspondent Gabby Orr, the change in the itinerary was to prevent burnout and will return to D.C. late Thursday night. 466

In yet another distressing milestone amid the COVID-19 pandemic, more than 1 million people globally have now died of the virus, according to a database kept by Johns Hopkins.The planet passed the milestone Monday, about nine months after the new disease was first identified in Wuhan, China.Around the world, more than 33 million people are confirmed to have contracted the virus. The planet reached the 1 million deaths threshold just days after the United States recorded its 200,000th death linked to the virus — a rate that continues to lead the world. The U.S. also leads all other countries with more than 7 million confirmed cases of COVID-19.With 142,000 fatalities, Brazil is the only other country with more than 100,000 COVID-19 deaths. Other countries with high death tolls include India (about 96,000), Mexico (76,077) and the United Kingdom (42,077).The U.S., India (about 6 million), Brazil (about 5 million) and Russia (about 1 million) lead the world with the most confirmed cases of the virus.Worldwide, COVID-19 is spreading at the highest rates since the pandemic began. On Thursday alone, about 361,000 people were confirmed to have contracted the virus — by far the most daily confirmed cases on record.Deaths have largely held consistent since the summer months.Public health officials urge people around the world to continue to wear masks, avoid crowds, stay six feet apart from others and opt for outdoor activities over indoor activities ahead of the winter months. With winter approaching in the northern hemisphere, officials are bracing for a spike in cases as people move indoors, where the virus is more likely to spread. 1662

INDIANAPOLIS -- A fill-up at an Indianapolis gas station turned out to cost an Indiana man more than 0 after the fuel was contaminated with water.Steve Schwartz usually heads out with a full gas tank. But one day, he noticed he was running on empty. So he pulled over to the Citgo in Indianapolis. With more than 16 gallons of fuel, he was good -- for about a mile. "After I put the gas in the car, all the lights on the dash went on and the car started to shutter," Schwartz said. He took his 2005 Lexus to be checked out. A techncian took a gasoline sample and noted "mostly water found inside the gas tank. Drained out bad fuel."The .50 he first spent at the gas pump led to a repair bill of 0. "I went to the owner several times and admitted there was a gas contamination problem and he told me would make an insurance claim and have them contact me the following day."But the call from the insurance company never came. RTV6 reached out to the owner of MH Oil Inc., and a check for the full reimbursement was issued.If something like this happens to you, report the problem to the state's Weights and Measures Division.  1176

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

It's the end of an era: Toys "R" Us is closing all its US stores.That's sad news for the employees, kids and nostalgic adults, but could provide bargain hunters the opportunity to snag a deal.The?news of the 735 store closures means shoppers can expect discounts as the retailer liquidates. A company spokesperson said Thursday the timeline of sales has yet to be determined.But Chuck Tatelbaum, a director with Tripp Scott, a Florida law firm, expects the discounts to happen pretty quickly."I think that the sales will run for up to 60 days, and the closures will have taken place by then," he said. "The rent obligation is just so high."Depending on the timeline, the sales could be modest at first. The biggest discounts will come later."They will start discounting more and more as time goes on," said Ray Wimer, assistant professor of retail practice Syracuse. "But it's a double-edged sword: The item you might want might not be there anymore, but the better deals come later in the process."He expects the discounts to start around 20-30%, but eventually climb to 75-80% off. Any purchases made during the store closing process are final sale, according to the company.While customers haven't been flocking to the retailer recently, Wimer said the closing news could spur more foot traffic."We will likely see an outpouring from folks remembering being at Toys "R" Us. I wouldn't be surprised if they get a lot of traffic all the sudden."Customers with gift cards or store credit need to act fast. A company spokesperson said Thursday that rewards dollars, Endless Earnings and gift cards are being be honored for the next 30 days.New York Democratic Senator Chuck Schumer wants the toy company to redeem unused gift cards for cash so "they are not as worthless and unwanted as a lump of coal in a stocking," he said in a release Wednesday.If you prefer to shop online, there are some added risks now. "If it comes damaged or it's not what you want, the opportunity to return it is going to be minimal, so buying online has a much greater degree of risk at this time," said Tatelbaum. 2110