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In our crazy, fast-paced world, it can be tough to take a breath and slow things down, and that even includes places we go to escape the every day. Researchers are taking the time to listen, to make sure that tranquility is never destroyed.When we think of our national parks, we think of birds chirping and water running. Not traffic, honking, planes and helicopters.“It's tough,” Dr. Job said. “It's cold it's rainy sometimes I sit in the middle of thunderstorms hoping for the best sometimes I'm surrounded by animals that are big.”He’s battling the elements in Yellowstone National Park for a purpose; his purpose is to quiet the national parks.“It's an issue,” Dr. Job said. “Over the last decade visitation to the national parks has skyrocketed.”Hundreds of millions of people visit national parks every year, and with people comes noise. Dr. Job manages the Listening Lab, which is part of the Sound and Light Ecology Team at Colorado State University.  The group of students he leads found that noise doubled background sound levels in 63 percent of U.S. parks and protected areas.That’s why Dr. Job’s team spend days in national parks across the country recording their natural sounds. Back at the Listening lab, Elena Gratton is listening through recordings from Yellowstone National Park.“I'll probably go back to these spots and pull out those sounds,” Gratton said.One of the highlights? Wolves howling without any cars or people.She’ll put together the best parts so people who aren’t able to visit a national park can still listen and be transported.“You can see a picture of this place and that's great but it's on a screen,” Gratton said. “But the moment you put these headphones on you can shut your eyes and you can be there.”Jared Lamb is listening for a different purpose. He categorizes the sounds he hears and that information goes to the national parks. They then use it to determine how to better manage noise pollution.“When I first came it was, it didn't really, it didn't really feel like I was doing much,” Lamb said. “It just felt like a lot of numbers. But now after being here for a while I kind of see the implications and how important it is.”Parks then can do anything from unplugging a generator to limiting helicopter tours. But Dr. Job says it can be even more simple than that.”Listen,” Dr. Job said. “I always tell people the more you listen the more you'll hear.”A renewed appreciation for one of nature’s biggest gifts. 2499

INDIANAPOLIS -- If you owned one of the original PlayStation 3 “phat” consoles that were released back in 2006, you may be owed some money.PCMag.com reports that the original PS3 console – or the “phat” PS3 had the ability to install an alternative operating system but when the smaller “slim” model was released, the operating system functionality was removed because of security concerns.Those changes resulted in a class action lawsuit which dragged on until a settlement was reached in 2016 allowing PS3 owners to claim – but time’s almost up.Anyone who owns a “phat” PS3 still has until April 15 to submit the claim form. To file a claim, a person must have purchased their PS3 from an “authorized retailer” and include their PSN username and PS3 serial number. The offer is only good for 20GB, 40GB, 60GB and 80GB models.To submit your claim click here. 881

INDIANAPOLIS -- Friday was a busy day for Vice President Mike Pence Friday, as he made several stops in the Indianapolis area.First, the vice president and second lady visited with soldiers from the Indiana National Guard's 38th Infantry Division at Stout Field Indiana National Guard Training Center.The soldiers were training in a command and control exercise to maintain their readiness."We are here because tomorrow is Armed Forces Day. Today we are grateful for everyone who puts on the uniform, including in our all-volunteer Army. Whether you put on the uniform to protect your community at home or whether you put on the uniform to protect the nation, I assure you that the people of this country are grateful and proud of your service," said Vice President Pence. 790

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 been six weeks since Maria left Puerto Rico in shambles. The hurricane-ravaged island is still contending with widespread power and water shortages, and dozens of stores remain closed.But for employees of three stores, being without work hasn't meant being without a paycheck.TJX Companies, which owns TJ Maxx, Marshalls and HomeGoods, has continued to pay its employees. 384

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