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Our embassy in Baghdad got hit Sunday by several rockets. Three rockets failed to launch. Guess where they were from: IRAN. Now we hear chatter of additional attacks against Americans in Iraq... pic.twitter.com/0OCL6IFp5M— Donald J. Trump (@realDonaldTrump) December 23, 2020 289

People who care about their credit scores tend to obsess about some things they probably shouldn’t, such as the possibility they might have too much credit.Let’s bust that myth right upfront: The leading credit scoring formulas, FICO and VantageScore, don’t punish people for having too many accounts. And right now, having access to credit could be a lifeline.In June, the median duration of unemployment was nearly 14 weeks, according to the U.S. Bureau of Labor Statistics. “Median” is the halfway point, which means half of the unemployed had been out of work longer. After the Great Recession, the median length of unemployment peaked at 25 weeks.Most households don’t have enough emergency savings to get through extended unemployment. Access to credit ultimately could be what staves off eviction, keeps the lights on and puts food on the table.Obviously, you can have too much credit if it would tempt you to spend recklessly. And the more accounts you have, the easier it might be to forget a payment — which can be devastating to your scores — or fail to detect signs of fraud.But that doesn’t mean you should worry about applying for the credit you need in the misguided notion that having too much credit is bad for your scores.“It’s not about the number of accounts,” says Ethan Dornhelm, FICO’s vice president of scores and predictive analytics. “It’s about how those accounts are handled.”It’s not how many cards, but how you use themBefore the advent of modern credit scores in the 1980s, lenders did worry that people who had access to a lot of credit would suddenly run up big balances, then default, says credit expert John Ulzheimer, who formerly worked for FICO and for Equifax, a credit bureau. But data scientists have since learned otherwise. People who had been responsible with credit in the past tend to continue being responsible.“I’ve got a gajillion credit cards,” Ulzheimer says. “I could charge up every single one of my cards tomorrow, but I’m not going to do that.”Although you can’t have too much credit, you can have too much debt. Having big balances relative to your credit card limits, or a bunch of cards with balances, can definitely hurt your scores, credit scoring experts say.“There’s no right number of credit cards,” says Jeff Richardson, senior vice president marketing and communications at VantageScore Solutions. “But if you have 22 cards and they all have balances, that can add up.”Even small balances and balances you pay in full can be problematic. Credit scoring formulas consider how many of your accounts have balances and how much of your credit limits you’re using, among other factors. The scoring system uses the balances reported by your creditors, which are generally the amounts from your last statement. You could pay those balances off promptly, but they still show up on your credit reports and affect your scores.Credit-building strategiesIf you’re trying to polish your credit, Ulzheimer recommends using one or two credit cards and not charging more than 10% of their limits. That may require making more than one payment each month to keep the balances low or asking issuers for higher credit limits.If you do use more than a couple of cards, paying the balances off before the statement closing date will typically result in a zero balance being reported to the credit bureaus, and that can be good for your scores.Be careful about canceling unused cards, however. Closing credit accounts can hurt your scores, since it reduces your total available credit. If you’re concerned a lender might close an unused card, you can use it occasionally and immediately pay off any charges so you have a zero balance on the statement closing date.If your credit scores are already high, however, Ulzheimer questions how much effort you should invest in making them higher. Once your scores are over 760 on the commonly used 300-850 scale, you’re getting the best rates and terms lenders offer.Another thing people worry about, but probably shouldn’t: inquiries. Applications for credit typically have a minor impact on your scores and any impact fades within a year. But Ulzheimer says people are often convinced otherwise.“It’s crazy how many questions I get about inquiries, and they are so meaningless in the grand scheme of things,” Ulzheimer says. “People love to obsess about little things that don’t really have a whole lot of influence.”This article was written by NerdWallet and was originally published by the Associated Press.More From NerdWalletSmart Money Podcast: How to Travel Safely, and How to Handle Old DebtsTransition From Work-at-Home Novice to ProCan You Really Trust Your Payment App?Liz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. 4764

PINE VALLEY, Calif. (KGTV) -- After Larry McNamer received a cease-and-desist letter from San Diego County officials, during the first week purple tier restrictions went into place, he said he will not back down."This is what courts are for. I'll fight it, I will fight it," the owner of Major’s Diner in Pine Valley said.In the letter, county officials noted he could face up to a ,000 fine for every violation under the state's guidelines, which includes not allowing guests inside."It could be ,000. I don't care because I can't afford to pay it, so I couldn't pay it if I had to,” McNamer told ABC 10News.McNamer said it all boils down to survival of this business and what he thinks is right in an uphill battle with the county and the state."They're going to have be a lot more fair about doling this out and understand that we zero cases up here [in Pine Valley],” he said.Even as he continues to serve up hot plates inside, McNamer said nothing changes when it comes to safety measures given by the state. He said guests are sat apart inside and have the option of dining outdoors if they choose.ABC 10News caught up with a couple from Alpine who grabbed a bite to eat Friday morning, not because Major's was the only diner open but they wanted to support him after seeing him on ABC 10News newscasts."We saw they were in trouble and in need of assistance, so we came to support them,” the supporter, Mark, said.ABC 10News asked Mark and his wife if they thought customers supporting restaurants who defy public health orders are contributing to the problem of COVID-19 cases rates surging, as restrictions continue to grow."Show me the data that these are sources of community spread because the data I see doesn't show that,” Mark said.McNamer said he's been receiving postcards and letters from people across the county supporting his choice of staying open to survive."It empowers you, it lets you know you're doing the right thing,” he said. 1967

OXNARD, Calif. (KGTV) -- Authorities say a 10-year-old student has been shot by a stray bullet in a drive-by shooting outside a Southern California elementary school. Oxnard police say Friday the child was struck during a car-to-car shooting outside McAuliffe Elementary School in the coastal city. The student is expected to survive and no one else was injured. McAuliffe enrolls about 700 students from pre-kindergarten to fifth grade. Oxnard is a city of 200,000 people about 55 miles northwest of Los Angeles. 521

Please share this. Arraignment for McCabe and Torgalski is at 9am tomorrow city court. Nobody is allowed in, but can gather out front in support. These guys really need us right now! Be aware the DA's office will probably leak their arraignment time so the press may be there. Meet at 8am and BPD union office @ 68 court st at 8AM. Wear your uniform. We need all the support we can get. We'll walk over to city court right before the Arraignment. 454

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