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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

In the coming weeks and months, several coronavirus vaccines will begin making their way to our cities in a hope to curtail the spread of a virus that has put a halt on our everyday lives and filled the nation's hospital rooms.Yasir Batalvi, 24, signed up for one of these trials and was among the first Americans to be vaccinated against the coronavirus. The Boston-area resident was among those who participated in Moderna’s coronavirus vaccine trial.Moderna’s vaccine has been hailed as a medical breakthrough. The vaccine has been considered 94.1% effective against the virus. According to Moderna, none of the thousands who were given two shots of the vaccine had severe COVID-19 symptoms. That is compared to 30 patients who were given a placebo who had symptoms.While the vaccine could nearly eliminate the number of hospitalizations and deaths associated with the virus, the shot might result in some symptoms."I actually had some pretty significant symptoms after I got the second dose. Once I got the second dose, I was fine while I was in the hospital. But that evening was rough. I mean, I developed a low-grade fever, and fatigue and chills," Batalvi told CNN.But by the next day, Batalvi said he felt “ready to go.”In an interview with CNN last week, Operation Warp Speed chief scientific adviser Moncef Slaoui said that 10 to 15% of those immunized had noticeable side effects.“Most people will have much less noticeable side effects. That frankly -- in comparison to a 95% protection against an infection that can be deadly or significantly debilitating -- I think is an appropriate balance," he told CNN.Batalvi was entered in a double blind trial, meaning he doesn’t know if he was given a placebo or the actual vaccine."I hope once this vaccine comes out, people feel confident taking it. I mean, I'm right here: I took the vaccine -- it was all right. I think we can get through this," he told CNN.In order to obtain an emergency use authorization, the FDA will weigh the vaccine’s benefits against possible side effects. 2049

It's a black and white portrait photograph of John F. Kennedy. Underneath it, a handwritten message:"To Ambassador Estes -- With esteem and very warm regards, John F Kennedy."The document is believed to be the last thing President Kennedy signed in the Oval Office before he left on his fateful trip to Dallas.The photograph is now for sale at ,000, according to the Raab Collection, which is hosting the sale.The photo was signed on November 21, 1963 and was intended for Thomas Estes, the ambassador to Burkina Faso, who attended the final meeting President Kennedy held in the Oval Office.Estes recalled arriving at the White House on the morning of November 21 and playing with the President's son, John-John, while he awaited the meeting with the President.Estes entered the Oval Office and received the signed photograph. He then briefed the President on affairs in Burkina Faso.After the meeting ended, Kennedy left the Oval Office at 10:50 a.m. to helicopter over to Andrews Air Force Base.He would then fly to San Antonio, Texas.The next morning, in Dallas, he was assassinated. 1118

In May, most chain restaurants will have to post calories on their menus. Some restaurants already do adhere to the new federal requirement. But just how accurate are these calorie counts? People like Jodi Rogers, a realtor who tries to eat healthy and exercise a few times a week, says she doesn't count every calorie but she finds calorie listings helpful when ordering. She admits sometimes she feels bombarded by all the numbers. "I see them pretty much everywhere I go, I feel like," she said. "I think it gives you a little bit of guidance as to what you're looking at and what you might actually be consuming."The test included calorie counts on three items from three national chains. The test included two club sandwiches with fries from Denny's. The menu said there would be 1100 calories in each order. McDonald's promised 540 calories for its signature Big Mac. The test included two sandwiches and no sides. The test also included two Steak and White Cheddar Paninis from Panera. Each should have 940 calories.The food was taken by The Now to a lab for testing. The technician ground up and scientifically analyzed the food to find out how many calories were in each. The results showed that the menus can sometimes be inaccurate.At McDonald's, the 540-calorie sandwiches came out just slightly higher at 581 calories and 552 calories. That's not much of difference, said dietitian Jessica Crandall. "If the recipe calls for a teaspoon of mayo put on a sandwich, maybe when the person in the line who is making the sandwich uses a tablespoon instead," said Crandall.At Panera, the food didn't come in over; it was exactly the opposite. The sandwiches were expected to have 940 calories but measured in with 149 fewer calories and 205 fewer calories.At Denny's the sandwich and fries should have been 1100 but both were over, one by 180 calories and the other by 110.Crandall said, "It's an extra two or three hundred calories. If someone is trying to lose weight that can actually hold their weight loss."Think of it this way: Jodi would have to work out for an extra 18 minutes just to burn those extra 180 calories.No one regulates whether menus are accurate. The FDA says restaurants must explain how they came up with the calorie results only if the FDA asks. The FDA says the requirement to list calorie counts on menus "applies to restaurants and similar retail food establishments if they are part of a chain of 20 or more locations, doing business under the same name, offering for sale substantially the same menu items and offering for sale restaurant-type foods."Jodi says she doesn't expect every restaurant to be perfect and she still plans to use calories listed on the menu for some general guidance and will keep exercising. "I think you have to give yourself a little bit of wiggle room and realize that whoever's preparing the food probably isn't getting exactly the same serving size and it might not be exact same food as what was provided in their test kitchen," she said. 3129

INDIANAPOLIS -- A woman who comforted an IUPUI student during her last moments after being struck by a school bus Monday hopes her family knows everyone did all they could for her.Fatima Hassuneh, 18, was crossing a street at an intersection on IUPUI’s campus around 1:30 p.m. Monday when a bus attempting to make a left-hand turn struck her.School officials said the bus was under contract with Indianapolis Public Schools, but owned by Durham Transportation. Witnesses and IUPUI officials say Hassuneh had the right of way.Hassuneh was a pre-med student who aspired to become a doctor, according to a post by the IUPUI Muslim Student Association.“Fatima, an aspiring doctor, was a sophomore in biology and was known for her kind heart and sense of humor,” the Muslim Student Association wrote. “She was a gift among us and has returned to her Lord. She was very active in our community and would often lead interfaith events. May Allah allow her to continue to reap the benefits of those deeds.”At the time of the crash, Alysa Schultz and her boyfriend were sitting at a red light at the very same intersection. She said that as soon as she saw what happened, her boyfriend started calling 911 while she rushed to check on Hassuneh.“As I was kind of kneeling there next to her, all she was doing was just holding her hand out, so I just grabbed it and held onto it,” Schultz said. “People were getting mad, saying, ‘Don’t touch her. Don’t move her.’ But at the same time, that one little bit of humanity – just hold on to her hand – that’s probably all she wanted.”Schultz said she didn’t know Hassuneh – but that her friends and classmates have messaged her since telling her what a wonderful person she was.“I had a lot of people message me on Facebook saying how awesome of a person she was and how beautiful and smart and driven and how involved she was,” Schultz said. “I really wish I would have known her.”Schultz, a former IUPUI student herself, said she hopes Hassuneh’s family can take some comfort from all of the efforts made to save her.“I hope that her family knows that there were six people calling the police, four people running around the corner to grab any police who were nearby,” Shultz said. “Everybody was stopping and blocking off the road so that no one could come near the situation. Everyone at IUPUI was like a family doing everything they possibly could for her, and I really hope that’s comforting to the family.”An Islamic funeral prayer, a janaza, was planned for Tuesday night for Hassuneh at the Alhuda Foundation in Fishers. As of Tuesday afternoon, police were still investigating the crash. 2648

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