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In one of the most divisive political seasons in U.S. history, finding common ground has been a challenge. But one activist decided to put rubber to the pavement in the hopes of finding what connects us.Seth Gottesdiener recently embarked on a cross country odyssey on his bicycle.“It's my preferred method of transportation and I find it really meditative,” said the avid cyclist. “It's one of my favorite things to do athletically outdoors.”The 33-year-old social justice activist mounted his two-wheeler back in late September for what he called "The Great American Bike Ride."“I thought why don't I bike across America and talk to people,” said Gottesdiener. “I'll talk to just denizens of the country and see where they're at and see how this year has affected them and their opinions.”The 45-day journey began in Los Angeles. His plan was to pedal his way through 22 cities and 13 states, concluding his expedition in the nation’s capital on Election Day.“I was not prepared for the great Southwest,” he said. “It was very intense. It was very unrelenting. The heat was over 100 degrees a lot of the days, giant mountains, really dry.”All along the way, Gottesdiener met with Americans from all walks of life. He interviewed them as part of a feature documentary.“I want people to hear voices that they would have never come encounter with on their own. I want to connect Americans together.”The ride also took him on a journey of self-discovery.“There’s parts of the country that I hadn't ever seen before, like Arkansas, like Kentucky, and a lot of Tennessee. And it was beautiful,” he said.It was also an opportunity, he says, to gain a better understanding of fellow citizens bitterly divided by politics. He hopes the journey reminds one another of the human spirit that connects us all.“Be there for each other. Help each other. Pull each other up by the bootstraps, rather than be so divided as we've seen this year.”One of the questions that Gottesdiener asked people on his journey was: “If there's one thing you could say to all Americans right now, what would it be?”He knows what he would say.“I would just say ‘Listen.’” 2147

It’s a high-profile Senate race that found itself surrounded in racial tensions, after Republican Sen. Cindy Hyde-Smith made controversial comments to a group of supporters saying, “If he invited me to a public hanging, I'd be on the front row.”Hyde-Smith called it an exaggerated form of expression and apologized to anyone she offended. But in a state with a troubled past, some saw the comments as racist.Then, on Monday, the day before the Mississippi election, someone hung several nooses outside the state capitol and left signs, including one that read “We’re hanging nooses to remind people that times haven’t changed.”“I think the controversy over the Senate race in Mississippi is a microcosm over the debates we’re having about race nationally,” says Brian Levin, with the Center for the Study of Hate & Extremism.Also this week, the trial started for the man accused of killing a woman and hurting dozens of others after he rammed his car into a crowd of people protesting a white supremacist rally in Charlottesville. “I think this political polarization has also bled over into an increase in hate crimes,” says Levin.Levin, who studies hate crimes, says the country has seen an increase the past three years in a row, given a recent spike in hate crimes, including the attack on a synagogue that killed 11 people and the apparent racially motivated murders of two African Americans outside a Kentucky grocery store. Levin predicts the trend could continue.“We might very well see, for the rest of the country for 2018 when the FBI releases their data, a fourth consecutive year,” Levin explains. “And I don’t think we’ve seen that in the over quarter century that we’ve been tracking hate crime data in the United States, indicating there is something awry in our society.” 1810

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 just the latest reminder of the dangers of pollution in our oceans, a dead whale in Indonesia has been found with 13.2 pounds (six kilograms) of plastic waste in its stomach.The 31.17-foot sperm whale was found near Kapota Island in Wakatobi National Park, southeast of Sulawesi.Park officials found bags, plastic bottles, sandals and 115 plastic cups in the whale's stomach, as well as a sack containing more than 1,000 pieces of string."Although we have not been able to deduce the cause of death, the facts that we see are truly awful," said Dwi Suprapti, marine species conservation coordinator at WWF-Indonesia, in a statement to CNN.The macabre discovery was made in an area popular with tourists and comes at a time of increasing concern over the impact of plastic pollution on marine life.In June, a short-fin male pilot whale died in southern Thailand and was later found to have ingested more than 17 pounds of plastic bags and packaging.During an autopsy, veterinarians found more than 80 plastic bags in the whale's stomach.A 2015 report by Ocean Conservancy and the McKinsey Center for Business and Environment found that over 50% of the plastic leaking into world oceans comes from China, Indonesia, the Philippines, Thailand and Vietnam, suggesting that the two whales died in dangerous waters for marine life.The report claims that a 65% reduction in plastic waste leakage in those five countries would lead to a 45% reduction globally.Without intervention, the amount of plastic cluttering the Earth's oceans will triple within a decade, according to a recent study by the UK government.However, there is evidence that lawmakers are taking notice of the threat, as the European Parliament voted to ban single-use plastics in October.The proposal covers items such as straws, cotton swabs and cutlery, in addition to obliging EU states to recycle 90% of plastic bottles by 2025.In October, the dangers of plastic were underlined when a decades-old bottle washed up almost intact on a UK beach.The plastic bottle of dishwashing liquid was at least 47 years old, with its branding still clearly visible.The-CNN-Wire 2140

It’s not just humans who enjoy a photo shoot before welcoming a new bundle of joy. Jazzy the dog is all smiles in her maternity photos.Saginaw County Animal Care & Control posted images to social media recently showing Jazzy in her pregnancy glow.“Jazzy was recently surrendered to our shelter for no fault of her own. Along with our unbelievably photogenic Jazzy, we await the arrival of an amazing gift - her puppies coming very soon!” the post reads.The images show her lying on a white rug surrounded by flowers and white step stool nearby. The chalkboard reads “Puppies coming soon August 2020.”Jazzy is due any day now. The facility is not taking adoption requests for the puppies at this time. 708