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It was supposed to be a raucous, week-long, open floor debate on immigration -- the President's signature issue and such a contentious topic that Democrats shut the government down over it just a month ago.Instead, it was the incredible shrinking immigration debate, which lasted roughly one hour on the floor and ended without a single amendment passing to protect DACA recipients or send a cent of funding for President Donald Trump's border wall."I'm ready to move on," said Louisiana Republican Sen. John Kennedy. "We wasted a whole week here. And I'm ready to move on. There are other issues in front of us."Fingers were pointed in all directions as members retreated from the floor, defeated, frustrated and downright mad that after weeks of negotiations, the best chance they had to broker a deal ended without any resolution for a population everyone agreed they had wanted to help.A group of bipartisan lawmakers -- the same group responsible for helping end a government shutdown weeks before -- fumed at the White House's treatment of their proposal, which they argued could have inched toward passage, had the White House stayed on the sidelines rather than actively lobbied against them.On the floor of the Senate, Sen. Susan Collins, a moderate Republican from Maine, was frustrated that the amendment her group had brokered without Sen. Chuck Schumer, the Democratic leader, was being referred to as the Schumer amendment. The name undermined the entire point of her group's efforts: that it had been reached by the middle, not by party leaders. Collins could be heard telling colleagues that the move was "so wrong."Sen. Mike Rounds, a Republican from South Dakota, acknowledged "there were a few games being played.""You don't forget 'em, but you just roll with them," Rounds said.Just hours after senators had reached an agreement on a plan that provided a path to citizenship for DACA recipients in exchange for billion in border security, the administration began their effort to undermine the amendment. President Donald Trump issued a veto threat. And in a briefing call with reporters Thursday, two administration officials, one of them a White House official, called the bill "outrageous" and "irresponsible," and argued it would "put many innocent lives at risk.""The bill is so spectacularly poorly drafted, I mean unless you imagine it was drafted for the purpose of gutting immigration enforcement," the White House official said, before the officials criticized Sen. Lindsey Graham, R-South Carolina, who fought back."I could care less about what an anonymous White House official says. I'm looking for leadership from the White House, not demagoguery," Graham told reporters.Sen. Chris Coons, a Democrat from Delaware, said he blamed the White House "a great deal.""It is striking to me that the White House and the Department of Homeland security actively and aggressively campaigned against the McCain-Coons bill and the bipartisan Rounds-King bill and yet both of those bills got more votes significantly then the White House- initiated Grassley bill," Coons said.Sen. Lisa Murkowski, a Republican from Alaska, lamented that the White House had missed an opportunity."I fear that you've got some within the White House that have not yet figured out that legislation almost by its very definition is a compromise product and compromise doesn't mean getting four Republicans together and figuring out what it is that those four agree on, it is broader," she said.GOP efforts to kill amendment 3535

In new tapes, President Trump admits to Bob Woodward he concealed critical details he knew about the coronavirus. "I wanted to always play it down." https://t.co/eICaAx70mY pic.twitter.com/zXNOZtIBx7— CNN Newsroom (@CNNnewsroom) September 9, 2020 254

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

INDIANAPOLIS, Ind. — Vice President Mike Pence and Second Lady Karen Pence have canceled a planned trip to Indianapolis to cast their ballots early, according to a statement from the Vice President's Office. The statement said the Vice President looks forward to rescheduling the trip in the near future.According to Politico White House Correspondent Gabby Orr, the change in the itinerary was to prevent burnout and will return to D.C. late Thursday night. 466

In late September, after racist slurs were found on the message boards of five black cadet candidates at the Air Force Academy Preparatory School, the school's superintendent was angry.Lt. Gen. Jay Silveria told cadets to line up and pull out their phones to remember his message, and he forcefully denounced racism and intolerance."If you're outraged by those words, then you're in the right place. That kind of behavior has no place at the Prep School," Silveria said.The speech was posted on Air Force Academy's Facebook page and quickly went viral. The Air Force launched an internal investigation to find the culprit.But on Tuesday, Air Force Academy officials said that one of the black cadet candidates actually wrote the racist messages."We can confirm that one of the cadet candidates who was allegedly targeted by racist remarks written outside their dorm room was actually responsible for the act," the Academy said in a written statement. "The individual admitted responsibility and this was validated by the investigation."The vandalism was written in black marker on a dorm whiteboard with the phrase "go home (expletive)."Lt. Col. Allen Herritage, director of public affairs with the Academy, said that the cadet responsible admitted his guilt when confronted. The individual has "received administrative punishment" and is no longer at the preparatory school, Herritage said.The four other students that were the target of the vandalism are still at the Prep School, which is on the same campus in Colorado Springs, Colorado, as the Air Force Academy. The Prep School helps ready about 240 cadets each year to enter the academy.'This is our institution'Silveria, the Academy's superintendent, made clear in his speech in September that there would be no tolerance for racist rhetoric at the Academy."If you can't treat someone from another gender, whether that's a man or a woman, with dignity and respect, then you need to get out," he said. "If you demean someone in any way, then you need to get out. And if you can't treat someone from another race or different color skin with dignity and respect, then you need to get out.""This is our institution, and no one can take away our values," Silveria added. "No one can write on a board and question our values. No one can take that away from us."Although the hateful graffiti was revealed to be a hoax, the Air Force Academy affirmed that same message of dignity respect in a statement on Tuesday."Racism has no place at the Academy, in any shape or form. We will continue to create a climate of dignity and respect for all, encourage ideas that do so, and hold those who fail to uphold these standards accountable."Silveria said in a statement on Tuesday that his speech remained relevant despite the investigation's outcome."Regardless of the circumstances under which those words were written, they were written, and that deserved to be addressed," he said. "You can never overemphasize the need for a culture of dignity and respect and those who don't understand those concepts aren't welcome here."The-CNN-Wire 3091