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It was a tough few months for the Cincinnati Zoo's beloved behemoth: Henry the Hippo had lost his appetite, only to regain it and lose it again; fought off a serious infection; and his kidneys appeared to be shutting down.The 36-year-old hippo — father to Fiona, whose underweight birth made her famous on social media — died today.Veterinarians and care staff had been trying to bring him back to health, but he continued to slide in recent weeks."We're doing everything we can to keep him comfortable," the zoo said in a recent blog post.According to the zoo, the median life expectancy for a Nile hippo is 35. He came to Cincinnati from Dickerson Park Zoo in Springfield, Missouri.His declining condition came near the tail-end of a pretty joyous year for hippo staff: They nurtured Fiona into childhood after she born six weeks early and half a calf's normal birth weight. The entire hippo bloat -- Henry, Fiona and mother Bibi -- were all reunited just a few months ago. 1013

It has been the biggest secret in American politics for weeks: Who will be Joe Biden's running mate? On Tuesday, Biden announced that Sen. Kamala Harris will be his running make this November. Harris formerly opposed Biden for the Democratic nomination, and could become the first ever woman elected in a US national election. Biden's pick was not leaked beforehand, marking a rare instance in the echo chamber of Washington where news spreads quickly.So how has Biden been able to keep this process such a secret? SMALL TEAMOne major reason is the fact that Biden had a small teaming vetting potential picks. Former Connecticut Sen. Chris Dodd, Delaware Rep. Lisa Blunt Rochester, Los Angeles Mayor Eric Garcetti and longtime Biden aide Cynthia Hogan served as co-chairs on the vetting committee.Former White House counsel Bob Bauer, campaign general counsel Dana Remus and former homeland security adviser Lisa Monaco also were involved. Beyond that however, many top advisers were not invited to vetting meetings. That prevented leaks. VIRTUAL MEETINGSMany of the contenders met with Joe Biden virtually. It's a lot easier to keep a meeting secret when it's not done face to face. The candidates, all women, also kept their interactions with Biden a secret. It wasn't until several days after that Michigan Governor's Gretchen Whitmer's meeting with Biden was revealed.AIRPORTSA popular past time for political journalists is to track private aircrafts flying into airports near Biden's home. In recent years, VP picks have all flown via private aircraft once they've been picked. Biden's home, however, is centrally located to around a dozen airports within a 2-hour drive. Philadelphia International Airport's private terminal is only a 25 minute drive from his house. 1783

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 — In a rematch from four years ago, Democrat J.D. Ford beat Republican incumbent state Senator Mike Delph.As of Wednesday morning, Ford had a six-point lead on Delph for Indiana's Senate District 29.Ford is the first openly gay person elected to the Indiana General Assembly. "I think it's really time for us LGBTQ+ Hoosiers to have a voice in our General Assembly," Ford said.In 2014, Ford lost to Delph by about 2,300 votes for the District 29 Senate seat. Delph had been serving in the Indiana state Senate since 2005. In November 2017, he was sent to Puerto Rico to help with the recovery from Hurricane Maria. In 2014, Delph tweeted his frustration about a delayed vote on a gay marriage ban. Delph championed the ban, which included language that would also bar civil unions. Delph lashed out at members of his own party, the media and the "self absorbed Godless culture that is fast tracking our nation to ruin."LGBTQ Victory Fund, an organization that works to increase the number of openly LGBTQ officials in government, released a statement celebrating Ford's win.“The Rainbow Wave has arrived in Indiana in a spectacular way,” said Annise Parker, president and CEO of LGBTQ Victory Fund and the former mayor of Houston. “Tonight JD made political history in becoming the first openly LGBTQ person ever elected to the Indiana General Assembly – a milestone moment for a state that was one of the few to have never elected an openly LGBTQ state legislator."According to the LGBTQ Victory Institute, there are currently four openly LGBTQ elected officials in the state: South Bend Mayor Pete Buttigieg, Indianapolis City-County Council Zach Adamson, Monroe County Circuit Court Judge Elizabeth Cure and Monroe County Community School Corporation Board of Trustees member Sue Wanzer.Ford will be the fifth."Yes, this is a historical moment, but it's not about me," Ford said Tuesday night. "It's about the LGBTQ+ Hoosiers and generations to come that can be proud of what we attempted to do and did do." 2136

Iranian investigators have located the site of Sunday's plane crash that killed all 65 people on board, state TV reported Monday.Bad weather had thwarted a recovery mission on Sunday, when a rescue helicopter was forced to turn back.It was not immediately clear if search and rescue teams were able to reach the crash site on Monday.  347

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