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It was just a few days before Thanksgiving, when an 8th grader was shot and killed in Milwaukee, Wisconsin.Sandra Parks was sitting in her room watching TV, when a stray bullet came through the window.“She said, ‘Mama, call the police. I been shot,’” Sandra’s mother, Bernice, describes of that night. “She was laying on the floor. I thought she was playing, but I called the police anyway because I’m like that’s too many gunshots, what the hell is going on?”The 13-year-old’s award-winning essay is now being shared around the world and read on national news outlets. In the young girl’s essay, “Our Truth,” Sandra wrote about gun violence.Sandra’s words are now some of the only things her mom says she has left of her daughter.“I don’t have her flesh. I don’t have her smiling at me all the time. I don’t have what I want, and I want my baby,” Bernice says. “Ain’t nothing gonna make that better. It’s just that being in this house, since she been gone, it’s strange, scary, and it’s unacceptable.”Bernice says her daughter’s words are giving her strength as she prepares for the funeral. The mother hopes Sandra’s essay might prevent another family from going through the same pain.“The stuff that she wrote, people should listen to it. Heed to it. Follow it, because it’s only right that kids should live. Adults should live,” she says. “I don’t think nobody should die, not by the hands of body else for no apparent reason. She didn’t do nothing.”Police have arrested two suspects they believe were connected to the shooting.A public visitation for Sandra will be held Friday. 1596

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 one of the most divisive political seasons in U.S. history, finding common ground has been a challenge. But one activist decided to put rubber to the pavement in the hopes of finding what connects us.Seth Gottesdiener recently embarked on a cross country odyssey on his bicycle.“It's my preferred method of transportation and I find it really meditative,” said the avid cyclist. “It's one of my favorite things to do athletically outdoors.”The 33-year-old social justice activist mounted his two-wheeler back in late September for what he called "The Great American Bike Ride."“I thought why don't I bike across America and talk to people,” said Gottesdiener. “I'll talk to just denizens of the country and see where they're at and see how this year has affected them and their opinions.”The 45-day journey began in Los Angeles. His plan was to pedal his way through 22 cities and 13 states, concluding his expedition in the nation’s capital on Election Day.“I was not prepared for the great Southwest,” he said. “It was very intense. It was very unrelenting. The heat was over 100 degrees a lot of the days, giant mountains, really dry.”All along the way, Gottesdiener met with Americans from all walks of life. He interviewed them as part of a feature documentary.“I want people to hear voices that they would have never come encounter with on their own. I want to connect Americans together.”The ride also took him on a journey of self-discovery.“There’s parts of the country that I hadn't ever seen before, like Arkansas, like Kentucky, and a lot of Tennessee. And it was beautiful,” he said.It was also an opportunity, he says, to gain a better understanding of fellow citizens bitterly divided by politics. He hopes the journey reminds one another of the human spirit that connects us all.“Be there for each other. Help each other. Pull each other up by the bootstraps, rather than be so divided as we've seen this year.”One of the questions that Gottesdiener asked people on his journey was: “If there's one thing you could say to all Americans right now, what would it be?”He knows what he would say.“I would just say ‘Listen.’” 2147

It’s been four months since most of the nation’s schools abruptly shut down because of the COVID-19 pandemic. Now, schools are considering reopening, while COVID-19 cases continue to rise. So what’s changed that supposedly makes a return to campus safe?“Occasionally you have schools close because there's an outbreak of measles or flu or something like that, but not to this scale,” Dr. Elizabeth Hinde, Dean of the School of Education at Metropolitan State University of Denver, said.Districts are scrambling to figure out how to return to school this fall as COVID-19 continues to spread across the U.S.Back in March, almost every school was forced to close, a mindset much different than today's.So what has changed? We sat down with a global health affairs professor, an education expert, and an infectious disease doctor to look at the changes between now and four months ago.Within the span of a week, states told their schools to shut down.“When everything closed down in March, we were comforting a new disease, we were terrified at what it could do,” Dr. Sandy Johnson, director of the global health affairs program at the University of Denver, said.Little was known about COVID-19.“School closures are always a part of the mitigation strategy along with quarantine, stay at home orders, etcetera,” Dr. John Hammer, an infectious disease specialist at Rose Medical Center, said. “The difference between March and now is that we have a better sense of how the virus works. How it’s transmitted.”There’s more to this decision than a better understanding of the virus.“When we’re talking about whether or not schools should open, another factor is the loss in achievement and also there are equity issues that have really come to the fore” Dr. Hinde said.Kids finished the school year from home -- some didn't have the proper tools or the support of a school, opening the door for inequity.“We know that there are mental health issues,” Dr. Johnson said. “Our front line social workers that are looking for domestic violence and we know domestic violence has been going up. So there are many important roles in addition to education that come in those schools.” This also includes food and housing insecurity.Another factor in consideration -- teacher health.“These folks are balancing fear. Fear for their health, fear for the health of their families, with this real desire. They understand how important education is,” Dr. Johnson said.“There's just no definitive answers that principals and superintendents and teachers can lean on,” Dr. Hinde said.What was a state decision in the spring has now been put on the shoulders of school districts, as they weigh the pros and cons of returning to in-person learning.“Every school board, every school district, has to make a very tough decision. It is a very delicate balancing act,” Dr. Hammer said.“Local control is a strength in American schools, but it does make decision making very complex, because the superintendents of schools and principals are listening to all these different voices,” Dr. Hinde said.From teacher health and safety, to inequities in learning and the mental health of children, school leaders have a lot of elements to look at when it comes to opening classroom doors.“I think in the next couple weeks we’ll see decisions made,” Dr. Hinde said. “All of this, it’s a new world.” 3367

INDIANAPOLIS -- Firefighters at an Indianapolis fire station opened the door early Friday morning to a one-of-a-kind request for help: A frantic woman, distressed because her pet raccoon was stoned off of too much weed.The raccoon, according to Wayne Township Fire Dept. PIO Capt. Michael Pruitt, had been exposed to "too much" of someone else’s marijuana, and its owners were worried it was overdosing. Not knowing what to do, they brought it to Station 82.“The raccoon was very lethargic,” Pruitt said. “She started explaining what had happened. There wasn’t really much we could do, it was just the sort of thing that was going to take time.”Recordings of Southwest District’s radio chatter show the raccoon had IMPD officers baffled as well -- at first, simply over what substance the raccoon was, in fact, high on.“Apparently they have a pet raccoon that got into their meth,” an unidentified officer is logged saying at 3:57 a.m.Listen to audio of police trying to decipher the situation below: 1008