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Is it safe to ride public transit during the coronavirus pandemic? It depends on a variety of factors, but there are ways to minimize risk. Experts say the main way the virus spreads is through droplets people spray when they talk, cough or sneeze, so the best way to reduce the spread of infection on public transit and elsewhere is to wear and mask and stay 6 feet from others. Surfaces are believed to pose a risk to a lesser degree, and transit systems are employing a variety of cleaning techniques. It's still best to avoid touching surfaces if possible.The CDC has issued guidance for using public transportation amid the pandemic. "Travel increases your chances of getting and spreading COVID-19. Your chances of getting COVID-19 while traveling also depend on whether you and those around you take steps to protect yourself and others, such as wearing masks and staying 6 feet away from people outside your household (social distancing)," the CDC said. "Airports, bus stations, train stations, and rest stops are all places travelers can be exposed to the virus in the air and on surfaces. These are also places where it can be hard to social distance. In general, the longer you are around a person with COVID-19, the more likely you are to get infected. 1272

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

IRVING, Texas – In a letter sent to scouting families Monday, the Boy Scouts of America (BSA) announced its support of the Black Lives Matter movement.The BSA’s National Executive Committee pointed out that the organization wasn’t living up to one of the 12 points of The Scout Law – bravery.“Brave means taking action because it is the right thing to do and being an upstander even when it may prompt criticism from some,” wrote the committee. “We realize we have not been as brave as we should have been because, as Scouts, we must always stand for what is right and take action when the situation demands it.”The BSA went on to say that there is no place for racism in scouting or in its communities, and it won’t be tolerated.“We condemn the murders of George Floyd, Ahmaud Arbery, Breonna Taylor and all those who are not named but are equally important. We hear the anguish, feel the heartbreak, and join the country’s resolve to do better,” the committee wrote.The organization also said it would be introducing a specific diversity and inclusion merit badge that will be required to become an Eagle Scout.“It will build on components within existing merit badges, including the American Cultures and Citizenship in the Community merit badges, which require Scouts to learn about and engage with other groups and cultures to increase understanding and spur positive action,” wrote the committee.Additionally, the BSA is also committing to reviewing every element of its programs to ensure diversity and inclusion are ingrained at every level for participants and volunteers by applying a standard that promotes racial equality and denounces racism, discrimination, inequality and injustice.It’s requiring diversity and inclusion training for all BSA employees starting July 1 and taking action toward introducing a version for volunteersAnd lastly, the organization is conducting a review of property names, events and insignia to build on and enhance the organization’s nearly 30-year ban on use of the Confederate flag and to ensure that symbols of oppression are not in use today or in the future. 2115

INDIANAPOLIS -- If you believe the latest conspiracy theory you should probably take the next couple of days to finish your bucket list because the end of the world is coming this weekend.That said, we wouldn't suggest skipping work just yet.The latest theory suggests that on Saturday, September 23, “Planet X” will crash into Earth causing the apocalypse.The man behind that theory, David Meade, even authored a book called “Planet X – The 2017 Arrival.” His original theory suggested that the world would end a few days earlier, but it was adjusted based on the date of the most recent solar eclipse.Meade says his claims are rooted in Christianity – and that the date coincides with biblical history, falling 33 days after the total solar eclipse.  "Jesus lived for 33 years. The name Elohim, which is the name of God to the Jews, was mentioned 33 times (in the Bible)," he told the Washington Post. "It's a very biblically significant, numerologically significant number."Meade’s attempt to predict the end of the world is not the first one to go viral, and not even the first to claim the fictional planet, Niburu, would cause the end to come.NASA debunked claims of Nibiru’s existence years ago and dedicated an entire page to the December 21, 2012, apocalypse predictions, even creating a question and answer and a video titled “Beyond 2012: Why the World Didn’t End.”They have since updated that page in reference to the most recent “prediction.”“The planet in question, Nibiru, doesn’t exist,” said NASA. “There will be no collision.”The story of Nibiru has been around for years and has been recycled into numerous apocalyptic fables over time, this is just the latest one to surface - according to NASA – and it likely won’t be the last. 1772

INDIANAPOLIS -- Two men have been arrested in connection with the death of a 1-year-old Indianapolis girl.The Indianapolis Metropolitan Police Department tweeted the news about the arrest Wednesday morning. Darrin Banks, 27, and Brian Palmer, 29, were arrested for their involvement in the shooting. Malaysia Robson was killed when gunfire struck her home on the 3500 block of Wittfield Avenue on March 30.  445