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INDIANAPOLIS -- During this cold and flu season, dentists want you to take extra steps when giving cold and cough medicine to your children.Dentists at Indiana University Health report many of the liquid medications are chock full of sugars, which end up coating teeth.More than 400 of these medicines cause dry mouth, which means they're harder to dilute with saliva.IU Health Dental Surgeon LaQuia Vinson said there are ways to keep your kid’s teeth clean and healthy, “A dry mouth increases the risk of dental decay. It's important when children are taking these medications, that they at least rinse especially right after using them, but stay hydrated as well."Dr. Vinson also recommends if you’re not brushing your child’s teeth in the case that they are under the age of one, use a safe washcloth and water to wipe the teeth.  856

INDIANAPOLIS —  Scammers are getting smarter about how they take your hard-earned money.According to new research from the Federal Trade Commission, a new twist is emerging on a scam targeting grandparents — the scammers now want you to mail cold hard cash.Typically, scammers ask you to wire money or send gift cards, but now they're going the old-fashioned route.The FTC found a striking increase in the amount of money people ages 70 and older are losing to fraud.Currently, people 70 years old and older report losing about ,000 in cash, compared to ,000 to other age groups.Typically, the scammers pose as grandchildren or other friends and family in trouble and ask the victim to send them money in the mail.The FTC reports consumers have lost million over the last year to the friends and family scam, compared to million in the previous year."In about half of the reports of cash payments, people said the caller claimed to be in jail or other legal trouble," said Emma Fletcher, FTC spokeswoman. "About a third of these reports mentioned a so-called car accident (some mentioning texting or drinking while driving). In both cases, the callers play on people’s emotions and sense of loyalty. They may be told they’re the only person trusted enough to call for help, and they’re often told not to tell anyone."The scammers often use personal details from social media sites to make their stories more believable and often give very specific instructions about how to send cash."Many people said they were told to divide the bills into envelopes and place them between the pages of a magazine," Fletcher said. "Then, according to reports, they were told to send them using various carriers, including UPS, FedEx and the U.S. Postal Service."The FTC provides these tips to avoid the scam: 1823

It will perhaps be the biggest story in December as well as the upcoming months. When will vaccine distribution be available to you or your family? Recent news from Pfizer and Moderna is making vaccine distribution a reality in the near future. So what should you know? KEY FDA MEETINGS The first key date is December 10. That is when the FDA will hold a hearing on Pfizer's vaccine. Moderna's vaccine will get a hearing on December 17. The hearings are being conducted by the “Vaccines and Related Biological Products Advisory Committee,” and they could give approval within 72 hours of the first hearing taking place. WHAT HAPPENS AFTER FDA APPROVAL After FDA gives the go ahead, the CDC will finalize who should get it first. The good news is that the CDC have already released who they think should be first in line. Earlier this week, an advisory committee to the CDC recommended health care workers and those in nursing homes receive access almost immediately. Ultimately though, governors will serve as "air traffic controllers" directing which specific facility has access to the first doses of vaccines. If the current timeline holds, those orders could start going out on December 11 or December 12. AVERAGE AMERICANS TIMELINE AND POTENTIAL ISSUES If you are not deemed a high priority, it will still likely be months before you are able to get a vaccine. Some analysis point to Februrary, but other analysis point to April or May. Some potential issues for distribution include the temperature the vaccines must be stored at. The Moderna vaccine can stay in traditional refrigerators at around 40 degrees or so but Pfizer's must be stored at -94 degrees, which may be trickier to transport in more rural parts of the country. Another big question mark is will Americans actually want to be the first to take the vaccine? "All the science in the world isn’t going to matter if you can’t people to be immunized against COVID," Dr. John Brownstein of Boston Children's Hospital said. Former Presidents George W. Bush, Barack Obama and Bill Clinton are said to be committed to receiving the vaccine live on television in order to inspire confidence. 2166

In the 2020 general election, President-elect Joe Biden beat out a number of formidable candidates to earn the highest office in the land, including President Donald Trump, Libertarian nominee Jo Jorgensen and Santa Claus.Yes, even ol' Kris Kringle received at least one vote for president in 2020, according to the Vermont Secretary of State's website.Every state has its own rules for conducting write-in candidates. In fact, according to Ballotpedia, most states will only accept votes for certain pre-approved write-in candidates.Ballotpedia reports that only eight states — Alabama, Delaware, Iowa, New Hampshire, New Jersey, Oregon, Vermont, and Wyoming — will count the write-in votes for any write-in candidate. And of those states, it appears only Vermont publishes the name of every write-in candidate on its election results webpage.Write-in candidates received 1,942 votes for president in Vermont in the 2020 presidential election. That's compared to the 242,820 that Biden received in carrying the state. It's also more than the 1,269 that independent candidate Kanye West received, despite being listed on the ballot.Among write-in candidates, Sen. Bernie Sanders received the most with 619. That's not exactly a surprise — the left-wing, progressive senator calls the state home and is currently in the midst of his third term as one of the state's senators.Other top vote-getters included moderate Republicans like Sen. Mitt Romney (57 votes) and former Ohio Gov. John Kasich (30 votes). Candidates who sought the 2020 Democratic presidential nomination, like Rep. Tulsi Gabbard (78 votes), Andrew Yang (42 votes) and Pete Buttigieg (24 votes) were also among the top vote-getters among write-ins.Notably, 37 Vermonters thought Vice President Mike Pence should get a promotion to the Oval Office.Dr. Anthony Fauci, the nation's top infectious disease expert, also received a handful of votes. When totaling up various iterations of his name (Dr. Anthony Fauci, Dr. Fauci, Tony Fauci, etc.), he received 13 write-in votes.Then, there were the celebrities. TV hosts Oprah Winfrey (6 votes) and Mike Rowe (5 votes) racked up multiple write-ins. Jennifer Lopez received a vote, as did LeBron James and Dwayne Johnson. There was even a write-in for a ticket of Tyra Banks and "John Teffer" — though that voter may have misspelled the name of Jon Taffer, the host of reality TV series "Bar Rescue."Write-in votes also dipped into the fantastical and absurd. In addition to "Santa Claus," "Walter White," "Michael Scott" and "Tord Sandwich" all received a vote.Finally, it wouldn't be Vermont without at least one vote for "Cheddar."See the full list of people who received a write-in vote by clicking here. 2725

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