重庆宫寒会导致不孕不育吗重庆输卵管通夜哪家好,重庆不育不孕医院预定送子鸟优,重庆怎么自测输卵管堵塞,重庆输卵管破裂还能生育吗,重庆怎样会导致不孕不育,重庆输卵管堵塞宫腹腔镜多少钱,重庆有卵泡是不是说明输卵管没堵

Whether it’s to earn rewards toward vacations or just finance everyday purchases, there’s strong demand for credit cards among older adults.According to a report from credit bureau Experian, baby boomers (those born between 1946 and 1964) carried an average of 4.8 credit cards in the second quarter of 2019, more than any other generation in the report.One might think that an older adult’s chances of getting approved for a new credit card would be relatively high. It’s a demographic that’s had more time to establish long credit histories, pay mortgages and exhibit responsible borrowing. The Equal Credit Opportunity Act even bars creditors from discriminating against an application on the basis of age.If you fall into that demographic, though, there are several reasons why it could be challenging for you to get approved for a new credit card. Here’s what could be influencing your creditworthiness, and what you can do about it.Why older adults could be denied creditLess incomeDuring the credit card application process, you’ll be asked to report your annual income or income that you have reasonable access to; the bank needs to make sure you’re able to pay back what you charge.If you’re retired, you may be living on less since you no longer have that steady employment income, and that can affect your chances of approval.The good news is that you can count more income than just a traditional salary, including things like:Social Security benefits.Income from a spouse or partner.Income from investments and retirement.Part-time or seasonal jobs.Dividends and interest.Thin or ‘invisible’ credit filesIf you’re an older American who’s worked hard over many years to pay off your mortgage and whittle down daily expenses, you may not think your credit scores matter much anymore. But you may be rudely awakened when you incur a large unexpected expense, want to downsize to an apartment, or try to open a new travel rewards credit card to help boost a retirement trip. Credit scores do indeed still matter, and some factors may be working against you.In order to even have a FICO credit score, you need to have credit activity reported to the U.S. credit bureaus at least once every six months. Plus, that credit line with activity on it must be at least six months old.So if you’re fully free of debt — say, you’ve long ago paid off your home, your car and other loans and haven’t had any other credit activity in a year or more — the bureaus simply may not have enough information about you. Your credit file may be too thin.According to a 2019 analysis from credit bureau Equifax, about 91.5 million consumers in the United States either have no credit file or have insufficient information in their files to generate a traditional credit score.Poor ‘mix of credit’Even if you’re an older American who’s actively using credit cards and paying them off on time and in full each month, it doesn’t ensure you’ll get approved for your next card. In fact, if you have only credit card accounts in your credit file but no installment accounts like mortgages or car loans, it can be a drag on your credit scores.That’s because credit scoring models also like to see a “mix of credit,” meaning a variety of accounts that show you have experience with different kinds of borrowing. There are two basic types of credit:Revolving: Doesn’t have a set end date or consistent balance. Credit cards and home equity lines of credit are the most common types.Installment: Installment loans have set end dates and require a standard payment every month. Mortgages and car loans are the best examples.If you have a long credit history of on-time payments as well as low credit utilization, then not having a mix of credit likely won’t be enough to make or break your creditworthiness. But lacking a mix of credit could drag down a borderline score and make it hard to qualify for a new credit card.Co-signing pitfallsDid you agree to co-sign on a personal loan for your son, or on student loans for your granddaughter? Your generous help may have had unintended consequences for your credit scores.When you co-sign a loan, both the loan and payment history show up on your credit reports as well as the borrower’s. If the person you co-signed for misses payments, it’s your score that will be negatively affected.Even if the person you co-signed for is making all their payments on time, the loan could still count against you. That’s because it can constitute a debt obligation that leaves you too little disposable income to qualify for a credit line in the eyes of issuers.5 ways older adults can boost their odds of credit card approvalEven if you’ve paid off your mortgage, have a thin or invisible credit file or have never used credit cards at all, there are still ways to improve your chances of getting a new credit card.Check your credit report: Pull your credit report regularly to make sure there are no errors. A credit card issuer could have incorrectly reported a late payment, or your report could show accounts that don’t belong to you at all. If you find anything wrong, dispute the errors right away. Make sure you continue to monitor your credit regularly.Become an authorized user: If you have a loved one with a strong credit history, ask if they’ll consider adding you as an authorized user on their credit card. The issuer will send the primary account holder a card with your name on it, and you may benefit from their good credit. It may not be enough to have a huge impact on your credit scores, but it could give you a bump relatively quickly.Build credit with a secured credit card: A secured credit card acts like a regular credit card in many ways, with one key difference: It requires an upfront deposit, which acts as your credit limit and protects the card issuer in case you’re unable to pay back what you charge. Use a secured card to help build credit in the near-term, then upgrade to a traditional credit card once your credit scores are in better shape.Consider a credit-building installment loan: A credit-builder loan holds the amount you borrow in a bank account while you make the payments. You generally won’t be able to access the money until you’ve paid off the loan, but those payments are reported to at least one of the credit bureaus. Not only can that help your credit scores, but it can also add to your credit mix.Don’t close long-held accounts: If you have some credit history but are trying to improve it, avoid closing any cards that you’ve held for years. The length of your credit history and average age of accounts are factors in your credit scores. Keep your oldest accounts open, but look to downgrade cards if they carry an annual fee that’s no longer worth it.More From NerdWalletI Paid Off My Credit Card Debt … Now What?How to Increase Your Chances of Credit Card ApprovalSmart Money Moves When Cash Is Tighter Than TimeErin Hurd is a writer at NerdWallet. Email: ehurd@nerdwallet.com. 6959

WILMINGTON, Del. – President-elect Joe Biden addressed the nation Friday about the November jobs report that shows American companies are hiring at a slower pace as COVID-19 cases spike across the country.The report released by the Department of Labor Friday shows that the unemployment rate fell slightly to a still-high 6.7%. However, the gain of 245,000 jobs last month was the fewest added since the spring, when the pandemic and widespread quarantines forced mass layoffs.Biden started his remarks by calling the jobs report “grim.” He said it showed an economy that’s stalling and we’re in one of the worst economic job crises in modern history. However, he said it doesn’t have to stay that way.“If we act now, now I mean, now, we begin to regain momentum and start to build back a better future,” said Biden. “There’s no time to lose. Millions of people have lost their jobs or had their hours slashed. They’ve lost their health insurance or are in danger of losing their health insurance.”Biden said it’s deeply troubling that last month’s drop in unemployment was driven by people who are dropping out of the job market.“They’ve lost hope of finding a job or they’ve taken full-time caregiving responsibilities as child centers remain closed and their children learn remotely,” he said.Biden listed many sobering statistics that show how much Americans need relief during this crisis.“One in every six renters is behind in rent. One in every four small businesses can’t keep their doors open. And there’s a growing gap in Black and Latino unemployment, and the gab remains much too large,” said Biden.As he doesn’t take office until the end of January, Biden is calling on President Donald Trump and the current Congress to act in the interest of the American people now.“If Congress and President Trump fail to act by the end of December, 12 million Americans will lose their unemployment benefits they rely on,” said Biden. “Merry Christmas. The unemployment benefits allowing them to keep food on the table, to keep the lights on, and the heat on, pay their bills.”If lawmakers don’t act, Biden pointed out that emergency paid leave will end, the moratorium on evictions will expire, and states will lose the vital tools they need to pay for COVID-19 testing and public health.“If we don’t act now, the future will be very bleak,” said Biden.Biden did say he was encouraged by the bipartisan 8 billion relief plan that was proposed this week, but said more aid will be needed throughout 2021 in order to get the country back on track. The latest relief plan doesn’t include ,200 stimulus checks for Americans, but Biden said he’s not convinced it won’t be part of the bill in the end and added that it’s “still in play.”Biden also called for funding for COVID-19 vaccines and testing as the U.S. finds itself in its most perilous point in the COVID-19 pandemic to date.“We need to ramp up testing to allow our schools and businesses to operate safely. The sooner we pass the funding, the sooner we turn the corner on COVID-19,” said Biden.On Thursday, Johns Hopkins said that the U.S. reported record numbers of new COVID-19 deaths and infections. Since Halloween, more than 5 million Americans have contracted COVID-19 — a number that represents about 36% of all cases recorded since the pandemic began.Biden's remarks come days after he announced his picks for key economic positions in his incoming administration. Among them is former Fed chairwoman Janet Yellen, who Biden has tapped to run the Treasury Department. Yellen, a Keynesian economist who is not afraid to allow the government to intervene in the free market, will be tasked with working with Congress to get stimulus packages passed.Biden is also expected to announce his picks for key public health positions in the coming days. On Thursday, Biden said in an interview with CNN that he has asked Dr. Anthony Fauci to remain in his role as the head of the National Institute for Allergies and Infectious Diseases and asked him to be a chief medical adviser to his White House.At the end of his remarks, Biden took some questions from reporters. One asked for Biden’s reaction to those saying his Cabinet picks so far haven’t been diverse enough. He responded by saying his cabinet will be the “single most diverse cabinet” in U.S. history. 4332

While the national unemployment rate hovers around 10 percent, military spouses are at 30 percent. The Military Family Relief Initiative aims to help, offering million in support. It's a historical donation and more than two-dozen organizations will benefit.When the pandemic hit, it was the National Guard handing out food, helping at blood centers, and helping states during periods of civil unrest.You'll see the guard, but what you don't see are the people who support those National Guard members.“We had the largest deployment of National Guard ever in our history,” ? says Kathy Roth-Douquet, a military spouse and the founder and CEO of Blue Star Families.On top of that deployment, other military service members are facing stop order movements because of the pandemic.“All the folks who were deployed and due to come home, they couldn’t come home and people had deployment extended for three months or more,” Roth-Douquet said. “So that family whose spouse had been home with their kids suddenly found their kid out of daycare, out of childcare and that spouse that was supposed to help couldn’t come home.”With so many spouses stuck, Roth-Douquet launched Blue Star Families back in 2009 because she, like many military families, needed help.“We found ourselves living a lifestyle with our families that required a very heavy for lift for us,” Roth-Douquet said. “It’s an honor to serve your country, but you have a responsibility for your family to thrive. Many of us felt that we couldn’t do both.”Blue Star Families offers a solution, a way for society to help, through community by connecting families and military spouses with people who can help your every need."Military families lives are difficult without a pandemic, we do a big mission around the world and then you add the pandemic to it, the stress on the children, the family separation that’s been compounded, the unemployment has been compounded, it’s a tough time for military families. This relief makes such a difference,” Roth-Douquet said.Blue Star Families teamed up with USAA to survey military families every week for 10 weeks. They figured out where the problems were, and are. USAA then committed million to the Military Family Relief initiative, which will help two-dozen military and general aid non-profits, including Blue Star Families. It’s the largest one-time philanthropic contribution in USAA"s nearly 100-year history.“This million will help augment the reduction in fundraising and the increased need that’s happening with military families,” said Harriet Dominique, who manages philanthropic strategies and contributions for USAA.“We know that military families as they’re serving our nation taking care of us and our freedoms have challenge and stressors. Those challenges have been increased by financial impacts and career and employment impacts of COVID-19,” Dominique said.For Dominique, this is personal. Her dad and brother served and her nephew is a reservist. Some of the organizations that will benefit are the Navy-Marine Corps Relief Society, The Institute for Veterans and Military Families, and "Hiring Our Heroes.”“When we talk about military spouses who have lost their job because of COVID and we know their service member and they need financial stability and the investment in hiring our heroes for financial security, we know we’re making a difference,” Dominique said. 3408

Whether you call it Vote by Mail or Absentee Voting, in Florida the election system is Safe and Secure, Tried and True. Florida’s Voting system has been cleaned up (we defeated Democrats attempts at change), so in Florida I encourage all to request a Ballot & Vote by Mail! #MAGA— Donald J. Trump (@realDonaldTrump) August 4, 2020 342

White House lawyer Ty Cobb is leaving his position, the White House said Wednesday."For several weeks Ty Cobb has been discussing his retirement and last week he let chief of staff (John) Kelly know he would retire at the end of this month," White House press secretary Sarah Sanders said in a statement.The New York Times first reported the news."It has been an honor to serve the country in this capacity at the White House," Cobb told the Times. "I wish everybody well moving forward."The Times, citing two people briefed on the matter, said attorney Emmet Flood would replace Cobb as the President continues to grapple with the special counsel investigation led by former FBI Director Robert Mueller. Flood represented then-President Bill Clinton during his impeachment process in the late 1990s.Cobb, a former federal prosecutor, joined Trump's legal team in July 2017. 882