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INDIANAPOLIS (WRTV) -- Police say two women climbed in the drive-thru window at an Indianapolis McDonald's and assaulted an employee because they didn't get their chicken McNuggets. Police were called to the restaurant just after 3 a.m. local time Friday morning.The manager told police he was working the drive-thru window when two women pulled up complaining they did not receive their chicken McNuggets. When the manager told the women they didn't order McNuggets or pay for them, even printing out a receipt to show them, the pair tried to order some at the window. The manager told the women they would have to drive back around and order at the signboard and said, "Have a nice day," before turning his back on them to fill other customer orders, according to police. The women then began pounding on the window and honking their car horn, claiming they had been disrespected. They then climbed in the drive-thru window, knocking over a basin full of tea and a tablet register before assaulting the manager. The women then climbed back out the drive-thru window and sped away.Police say they did not get any chicken McNuggets. No arrests have been made. You can watch Part 1 of the incident in the player above taken by Monique Hernandez-McNeely, who was waiting in the drive-thru line behind them. NOTE: Part 2, below, contains graphic language. 1430

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’s that time when San Diegans start to focus on a healthy start to the New Year. Regardless of what resolutions you make, the goal is to make positive changes. Although a popular choice like living healthier through the year is great, how can you do that? If you have a plan, and a coach or support from someone you trust, it makes success that much easier. Regular exercise. Drinking more water. Adding fresh fruits and whole grains can keep your body healthy. Making sure you get your flu shot and knowing your numbers! Whether it’s eating healthy, adopting a pet or getting out in your community there is something out there for you! ? Get more exercise in by hiking trails at our County parks. ? Get a new furry family member and adopt a pet from Animal Services. ? Trying to eat healthier? Visit a certified farmers market.What are some simple steps to take that will help you get moving in the right direction? Checking your mental health is equally important. Taking time to relax, reducing stress or beginning your day with easy meditation techniques. NAMI San Diego has some great APPS available for free download that have guided meditations, helpful resources, education and more. Available on iOS, Android and Windows platforms, oscER will give you information, resources and peace of mind. YMCA of San Diego County is a proud Live Well partner helping families thrive every day with our focus on youth development, healthy living and social responsibility. The YMCA is much more than a gym or a pool. And while they ARE so much more than a gym, NOW is a great time to join the Y and work on your resolutions! January is FREE when you join in the New Year. The YMCA offers a variety of tools to support individuals health & wellness goals. ? KickStart program- a personalized wellness plan to get you started ? Free Child Watch and Kids Club during workouts ? Over 100 free group exercise classes throughout our locations ? Indoor and outdoor swimming pools for lap swimming, aquatic classes ? State-of-the-art fitness centers ? Workshops, seminars and health screenings ? Build friendships, strengthen your body, your relationships and so much more.For more details or to locate a YMCA near you, visit ymca.org.There are a lot of ways to Live Well San Diego. Make it a great year! 2315

It turns out that wireless internet home surveillance systems aren't just about security - they're also about selling homes at the highest price.A new scientific poll from NerdWallet says 15 percent of homeowners use their home security systems to view people looking at their homes. And about half of those surveyed say monitoring how people react to their homes could be useful information when it comes to negotiations."If your client's excited about the property you don't want them to say, 'this is the one, we'll take it no matter what,'" said San Diego realtor Gary Kent. "It's not going to be good for their negotiating position."Kent says he personally does not use the cameras when selling homes, but has warned his agents that they could be on camera when showing homes. That way they know to advise their clients to keep any emotional reaction under wraps - so they can keep the leverage they do have in San Diego's tight real-estate market. Still, the idea of using the surveillance system - namely audio without someone knowing - raises legal and ethical questions. The California Department of Real Estate says this could be considered a dishonest dealing and could be grounds for discipline. For it to be legal, the sellers agent would need to get permission from these being taped, or put up signs informing them of the surveillance.  1369

It's hard to know what salaries will look like next year.Staffing firm Robert Half surveyed senior managers and found 72% of companies have maintained the same salary or slightly increased pay for new hires since the COVID-19 pandemic began.More than a third are more likely to negotiate compensation with candidates now versus a year ago.“That’s telling me that these positions that have been hard to fill, there is so many information technology security positions available, they're looking for data analysts data scientists,” said Paul McDonald, Senior Executive Director at Robert Half.Workers can also broaden their search outside their geographic area. More companies are willing to hire full-time remote workers.“It’s one thing to talk broadly about what the compensation desires are for you and your family or you,” said McDonald. “The other side is don’t go too far in that first conversation. The negotiation happens after you have an offer.”If the company won’t budge on pay, they may offer other benefits, like help paying for home internet, more paid time off, and opportunities to upskill.Robert Half says roles in IT security with the least amount of experience make just under 0,000 a year on average.The salary range can be adjusted by geography, along with advanced degrees and certifications.There are salaries for some 470 positions listed on RobertHalf.com. 1390