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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

It looked down over Celina, Tennessee like a watchful eye, and for decades, Cumberland River Hospital provided a sense of security for this struggling rural county.But now, the hospital sits empty and dark; its hallways filled with silence. The death of this county’s only hospital has thrust this place into darkness, and dozens more like it across the country are potentially about to suffer the same fate.“We are seeing a huge divide in healthcare among Americans,” explained Johnny Presley, the owner of this small rural hospital.Hospitals across the country are struggling now more than ever, as patients are still avoiding elective surgeries because of COVID-19. Those are the bread and butter of most hospital's bottom line.In Celina, Tennessee, a town of about 1,400 people, the hospital also served as the county’s biggest employer. Presley spent months fighting with Medicare for reimbursement payments until he was finally forced to close the emergency room.He’s poured million of his own money into the hospital in an attempt to save its life.“When people can’t live in the rural communities they grew up in without access to healthcare, it’s almost like you’re in a prison,” he said.The cruel irony of a hospital closing in the middle of a pandemic is not lost on anyone who lives in this or any other rural community in America. At this hospital alone, they were able to stabilize or save more than a dozen COVID-19 patients over the past few months. Patients that now will be forced to drive more than an hour for care to the next closest emergency room.“So, many people are going to die. They’re gonna die because they don’t get the emergency care they need,” said Stephen Headrick, who lives in Celina and has relied on this emergency room countless times over the years.Since 2005, a staggering 174 rural hospitals have shut down nationwide. Fifteen of those closures happened this year alone, leaving a vacuum of care in their absence. Texas and Tennessee lead the nation in hospital closures.By the end of this year, hospitals across the country are expected to lose more than 0 billion, a staggering statistic that ripples far beyond the walls of any emergency room.When Cumberland River closed, nearly 100 doctors, nurses and staff were let go. By some estimates, 2020 may end up claiming the lives of nearly 200 more hospitals.“To keep our hospitals open during this pandemic, the government has to intervene,” Presley explained.With federal aid, Presley could reopen the hospital tomorrow, but so far, his pleas to politicians have gone unanswered.“I think it’s just a travesty that this country is going through. This country is so polarized that the most basic human needs of food and healthcare are being overlooked,” he said.Rural lifelines are on life support as American lives hang in the balance. 2841

It was a scary situation. A motorist flagged down deputy Jeremie Nix on Wednesday, saying their 3-month-old child was not breathing. If not for Nix being at the right place at the right time, the baby named Kingston might not have survived. According to the Marion County, Florida Sheriff's Office, Nix performed "life-saving measures" on the child, such as chest compressions. After Kingston remained unresponsive, Nix took the child to a nearby hospital. Within minutes, doctors were able to treat Kingston. Doctors told the sheriff's department that Nix's swift actions saved the child's life. By Thursday, Kingston was out of the hospital and back home with his mother.  717

In his opening monologue, Academy Awards host Jimmy Kimmel encouraged award recipients to discuss social issues, thank family members and give words of encouragement during acceptance speeches, but Kimmel announced there is an incentive to keep speeches short:A Brand New Jet Ski! Retail value: ,999.To the tune of the Price is Right theme, Kimmel showed off the brand new jet ski on the Oscars' stage. When Sam Rockwell took the stage to win Best Actor in a Supporting Role, he said he would keep his speech short in an effort to win the jet ski.“Why waste precious time thanking your mom when you could take her” on a jet ski ride, Kimmel said.During his monologue, Kimmel was not afraid to get political, and acknowledged some of Hollywood's recent shortcomings. Kimmel discussed the Me Too movement, and the importance of the academy of expelling Harvey Weinstein following sexual misconduct revelations were reported. “The world is watching us. We need to set an example,” he said. “The truth is if we are successful, women will only have to deal with harassment all the time every other place they go.”Kimmel also pointed out Hollywood's liberal slant."We don't make films like 'Call Me By Your Name' for money. We make them to upset Mike Pence," he said. While Kimmel only delivered a few overly political jokes, he opted to make a flub fom last year's Academy Awards when the wrong film was announced as Best Picture a central theme of his monologue on Sunday. “What happened last year was unfortunate,” Kimmel said, “I said, ‘No, I don’t want to do comedy with the accountants.’ And then the accountants went and did comedy on their own.” 1693

In just the past two days, two young athletes have been rushed to the hospital during sports practice. Just outside of Dallas, a 13-year-old student collapsed at football practice and later died. In Pennsylvania, a teen remains in coma after suffering a serious head injury.  The NOW’s investigative reporter Jace Larson obtained a new state-by-state ranking, showing how well states do at preventing and reducing the number of children who have a sudden emergency, while playing middle and high school sports.Samantha Scarneo headed up the study, which ranks how well states protect youth athletes. The University of Connecticut's Korey Stringer Institute looked at whether states or lawmakers mandate policies for athletes, who get suddenly sick. 766