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InfoWars, a far-right media organization run by Alex Jones and known for peddling unfounded conspiracy theories, is on thin ice with YouTube after it posted a video that portrayed the survivors of the Parkland school shooting as actors.The Alex Jones Channel, Infowar's biggest YouTube account, received one strike for that video, a source with knowledge of the account told CNN. YouTube's community guidelines say if an account receives three strikes in three months, the account is terminated.That video focused on David Hogg, a strong voice among survivors of the mass shooting at Marjory Stoneman Douglas High School. The attention has given him a powerful platform -- but it has also made him the subject of demonstrably false conspiracy theories that claim he's so skilled as a public speaker that he must be a paid actor.  842

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

Investigators for special counsel Robert Mueller have recently been asking witnesses about Donald Trump's business activities in Russia prior to the 2016 presidential campaign as he considered a run for president, according to three people familiar with the matter.Questions to some witnesses during wide-ranging interviews included the timing of Trump's decision to seek the presidency, potentially compromising information the Russians may have had about him, and why efforts to brand a Trump Tower in Moscow fell through, two sources said.The lines of inquiry indicate Mueller's team is reaching beyond the campaign to explore how the Russians might have sought to influence Trump at a time when he was discussing deals in Moscow and contemplating a presidential run.Mueller was appointed to investigate Russian meddling in the 2016 campaign. The President claims that any investigation of his family's finances would be a breach of the special counsel's mandate.Two of the sources said they do not know from the questions asked whether Mueller has concrete evidence to indicate wrongdoing."You ask everything even if you don't think it's credible," one of the sources said, adding, "the allegations are out there, and it was checking the box."The special counsel's office, an attorney for the President and the Trump Organization all declined to comment for this story.Questions about Trump's entry into the campaign 1428

Investigators have found evidence that a missing University of Iowa student was doing homework on her laptop the night she went missing, according to the woman's brother.Mollie Tibbets, 20, went missing on July 18 when she went jogging near Brooklyn, Iowa. TIbbets' brother, Jake, says investigators found that evidence that she was on her laptop that evening.The older brother of 20-year-old Mollie Tibbetts says investigators told him evidence shows she was doing homework on her computer last Wednesday evening. Tibbets was reportedly dog-sitting for her boyfriend, Jack Dalton, at the time of her disappearance. It is unclear if she returned after her jog, but the new details, family members say it is possible she did. Investigators previously executed a search warrant for Tibbits' Fitbit and social media accounts. A spokesperson for the Iowa Department of Criminal Investigations said Tibbets' case may be the first time Fitbit data has been used in an investigation in the state.  1043

INDIANAPOLIS -- A Marion County, Indiana toddler is dead after suffering extensive head trauma from weeks of suspected abuse and his father’s girlfriend has been charged in connection with his death.Two-year-old Jose Cubas Rivas was rushed in for emergency surgery on October 28 after Dilcia Chavez Claros brought him into the hospital unconscious.According to court documents obtained from the Marion County Prosecutor, Claros, 30, told doctors that the child had fallen off a bunk bed and lost consciousness while playing with her two sons.The 2-year-old was rushed into emergency surgery for a fractured skull and bleeding on the brain. During the surgery, Doctors had to remove a portion of his skull to release some of the pressure on his brain. In addition to head trauma, they noted several unexplained bruises and smaller injuries covering Rivas’ body with no history of medical treatment to explain them. the injuries.Doctors called the Department of Child Services after concluding that the injuries to the child’s head were so severe that they could not have been accidental. Claros was arrested two days later in connection with his death.Rivas was pronounced dead on November 1 after doctors said his brain showed no signs of activity.While investigating the child’s death, investigators uncovered details surrounding suspected abuse dating back to early September.Those details are spelled out in a 17-page report filed by the Marion County Prosecutor's office on October 2. In them, a social worker told police that she had helped the family get housing, beds and insurance back in August.The social worker said she first noticed signs of abuse on the 2-year-old during a follow-up visit in September and had filed a child abuse report through DCS on September 20 - over a month before Rivas' death - but had never heard from the investigator assigned to the case.During that first follow-up visit, the social worker told police that Rivas had, “two dark black eyes, a large bump on the front of his forehead, a small bruise on the left side of his cheek.” The child also had a busted and swollen lip and the social worker said it looked like he had been punched in the mouth.When she asked Claros what happened, the social worker said Claros became, “noticeably nervous and began stumbling over her words.”Claros claimed Rivas’ injuries were all from when he fell outside while he was with his father. She admitted to the social worker that she beat her children, but had no feelings for the 2-year-old because she was not his mother.After several canceled follow-ups, the social worker visited the family again in mid-September. This time, she said the child had new injuries to his head which Claros again blamed on him falling off a table.Claros told the social worker that she had taken Rivas to the hospital on September 11 after police were called on her while she was shopping at Plato’s Closet.The report filed by the officer that day said a witness had called police after she saw a young boy with “two black eyes and swelling on the side of his face.” She also saw “bruises on both of his upper arms that looked like handprint marks as if someone had grabbed him roughly by his arm” and “marks on the front of his neck that looked like bruises from someone picking him up by his neck.” The officer noted that the mother told him the child had fallen from a table and that the doctors reported there was “low suspicion for non-accidental trauma.”The detective noted that it appeared no MRI, X-Ray or scan of any type was taken when the child was treated at the hospital.On October 28, Claros told detectives she had taken her three children to Goodwill and that Rivas had gotten sick inside the store. After taking him home, she said she had given him crackers and juice but he eventually went to play with his brothers.Claros said one of her sons came to her later while she was cooking dinner and said Rivas had fallen from a bunk bed and was not moving.She told detectives she tried to revive the child with mouth-to-mouth and when that didn’t work she put him in a cold shower. When that didn’t work either, Claros said she used rubbing alcohol under his nose but could still not get him to wake up.Claros said she called the child’s father who told her to take him to the hospital.She told detectives she waited 10 minutes and then changed the child’s clothes before driving him to the hospital.Claros was arrested and charged with neglect of a dependent resulting in death.  4538