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INDIANAPOLIS -- More than 135,000 pounds of Banquet Salisbury steak dinners have been recalled because they could be contaminated with foreign objects. Conagra Brands, Inc., issued the recall on Wednesday after receiving multiple consumer complaints and at least three reports of minor oral injury from possible bone fragments in their dinners. The below product is being recalled: 399

INDIANAPOLIS, Ind. — Indianapolis Colts head coach Frank Reich knelt during the national anthem and the players stood with linked arms before Sunday's opening game against the Jaguars.The Colts also released a statement on behalf of Black communities in Indiana and other cities before the game."Our intent is to bring attention to the issue of systemic racism and the injustice inherit therein," the statement read. "We also wanted to demonstrate a symbolic gesture of how we believe meaningful change happens.""We were not protesting the flag, the anthem, or the men and women who wear the uniform," the statement read. "The timing of this action is meant to highlight that the presence, power, and oppression of racism remains inconsistent with the unity and freedoms of what it means to be an American."You can read the full statement below: 853

INDIANAPOLIS, Indiana — A new effort is underway aimed at better protecting the health of Indiana children in the classroom.A recent WRTV television station found most schools do not test for radon, a lung cancer-causing gas that comes up through the soil, even though the EPA recommends schools test at least every five years.The federal EPA estimates one in five schools has a classroom with dangerous levels of radon.State lawmakers have already vowed to take action, including looking at possible legislation requiring schools test for the radioactive material or requiring new school buildings use radon-resistant materials.Now, environmental groups are getting involved in the movement as well as the Indiana State Department of Health.Following the WRTV investigation, the Sierra Club’s Hoosier Chapter passed a resolution supporting requirements for radon testing in daycares and schools in Indiana.The Hoosier Environmental Council also supports requirements.“Yes, I think Indiana should have testing requirements for schools,” said Dr. Indra Frank, environmental health director with the Hoosier Environmental Council. “It is estimated that 1 in 3 Indiana homes has elevated levels of radon that can be unhealthy.”The EPA map shows much of Central Indiana is in a hot zone for radon, meaning the gas is widespread throughout the soil and buildings in our state.Dr. Frank emphasized radon can be in new or old buildings, including homes and schools."Radon isn't going to discriminate about which type of building it seeps into," said Frank.Improving Kids’ Environment, a group that trains Indiana schools on air quality issues, is also concerned about radon."I think with schools if you don't hold their feet to the fire, because they have so many things that they are accountable for, they just let those things go," said Margaret Frericks, Program Manager with Improving Kids’ Environment.A dozen other states have laws or regulations in place regarding radon in schools, and Frericks says it’s time for Indiana.Frericks said many people overlook radon because children often do not get lung cancer, and there’s no signs or symptoms associated with radon exposure.“It should be done,” said Frericks. “Not knowing is not an excuse."As environmental groups get ready for the upcoming legislative session, WRTV is already getting results at the Indiana State Department of Health.After our story aired, ISDH added information about radon to the indoor air quality website for schools, and they’re now in the process of developing best practices regarding radon in the classroom.“ISDH is required to review the best practices documents every three years, but we make changes and updates as needed,” said Megan Wade-Taxter, a spokeswoman for ISDH. “Ensuring that schools have the most up-to-date information on how to best protect the health of students, faculty and all those who enter their buildings is important.”Environmental groups say it’s a step in the right direction, and that we all pay down the road for people who develop radon-induced lung cancer.“Preventing an unhealthy exposure is much less expensive than trying to cure a disease once it’s arisen,” said Frank. 3212

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

INTERACTIVE MAP: Where the Woolsey?Fire is burning in Ventura and LA countiesLOS ANGELES (CNS) - A smoke advisory remained in effect Saturday due to the Woolsey Fire, which was causing unhealthy air quality affecting everyone in areas directly impacted by smoke, including central and northwest coastal Los Angeles County, the San Fernando Valley and the western San Gabriel Valley.A growing blanket of brown smoke crept across the Southland sky on Saturday, as the fire in Los Angeles and Ventura counties grew to 70,000 acres with zero percent containment."It is difficult to tell where ash or soot from a fire will go, or how winds will affect the level of dust particles in the air, so we ask everyone to be aware of their immediate environment and to take actions to safeguard their health," said Dr. Muntu Davis, health officer for Los Angeles County."Smoke and ash can be harmful to health, even people who are healthy," Davis said. "People at higher risk include those with heart or lung diseases, children and older adults."Early Saturday, the smoke created an eerie, fog-like presence that extended far south along the coast, including the Marina del Rey and LAX area. That lifted by around noon, but as the afternoon wore on the sky grew gradually darker over large swaths of Los Angeles County.Davis urged everyone in areas where there is visible smoke or the smell of smoke to avoid unnecessary outdoor exposure and to limit physical exertion, whether indoor or outdoor, such as exercise.Children and people who have air quality-sensitive conditions, such as heart disease, asthma and other chronic respiratory diseases, should follow the recommendations and stay indoors as much as possible, even in areas where smoke, soot or ash cannot be seen or there is no smell of smoke, according to DPH officials.The health department is "also advising schools and recreational programs that are in session in smoke-impacted areas to suspend outside physical activities in these areas, including physical education and after- school sports, until conditions improve," Davis said. "Non-school-related sports organizations for children and adults are advised to cancel outdoor practices and competitions in areas where there is visible smoke, soot or ash, or where there is an smell of smoke. This also applies to other recreational outdoor activity, such as hikes or picnics, in these areas."According to DPH, people can participate in indoor sports or other strenuous activity in areas with visible smoke, soot or ash, provided the indoor location has air conditioning that does not draw air from the outside and all windows and doors are closed.Wildfire smoke is a mixture of small particles, gases and water vapor, and the primary health concern is the small particles, which can cause burning eyes, runny nose, scratchy throat, headaches and bronchitis, health officials said. In people with sensitive conditions, the particles can cause difficulty breathing, wheezing, coughing, fatigue, and/or chest pain.DPH offered the following recommendations:-- If you see or smell smoke, or see a lot of particles and ash in the air, avoid unnecessary outdoor activity to limit your exposure to harmful air. This is especially important for those with heart or lung disease (including asthma), the elderly and children.-- If outdoor air is bad, try to keep indoor air as clean as possible by keeping windows and doors closed. Air conditioners that re-circulate air within the home can help filter out harmful particles.-- Avoid using air conditioning units that only draw in air from the outside or that do not have a re-circulating option. Residents should check the filters on their air conditioners and replace them regularly. Indoor air filtration devices with HEPA filters can further reduce the level of particles that circulate indoors.-- If it is too hot during the day to keep the doors or windows closed and you do not have an air conditioning unit that re-circulates indoor air, consider going to an air conditioned public place, such as a library or shopping center, to stay cool and to protect yourself from harmful air.-- Do not use fireplaces (either wood burning or gas), candles, and vacuums. Use damp cloths to clean dusty indoor surfaces. Do not smoke.-- If you have symptoms of lung or heart disease that may be related to smoke exposure, including severe coughing, shortness of breath or difficulty breathing, wheezing, chest tightness or pain, palpitations, nausea or unusual fatigue or lightheadedness, contact your doctor immediately or go to an urgent care center. If life-threatening, contact 911.-- When smoke is heavy for a prolonged period of time, fine particles can build up indoors even though you may not be able to see them. Wearing a mask may prevent exposures to large particles. However, most masks do not prevent exposure to fine particles and toxic gases, which may be more dangerous to your health.-- Practice safe clean-up following a fire. Follow the ash clean-up and food safety instructions at http://bit.ly/SafeFireCleanup.The following is recommended for pets:-- Avoid leaving your pets outdoors, particularly at night. Pets should be brought into an indoor location, such as an enclosed garage or a house.-- If dogs or cats appear to be in respiratory distress, they should be taken to an animal hospital immediately. Symptoms of respiratory distress for dogs include panting and/or an inability to catch their breath. Symptoms for cats are less noticeable, but may include panting and/or an inability to catch their breath. 5583

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