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While we're all focused on COVID-19 as we head back to school this fall, Patti Wukovits is focusing on Meningitis B.“She loved to entertain and make people laugh. She enjoyed life. When I think of Kim the one word that comes to mind is joy,” said Wukovits. It's still painful for Wukovits to talk about her only daughter. Kimberly Coffey was a high school senior who was in her last two weeks of school. She'd been accepted to nursing school and was ready to launch her career. She wanted to follow in her mom's footsteps and be a nurse. One day she came home from school with a fever.“By the next morning she wasn’t fine at all. She said 'mommy everything hurts from my eyelashes to my toes.' This is really, really bad. She couldn’t pull her head off the pillow and was completely lethargic,” Wukovits recounted. Kimberly told her mom that it felt like her ankles were bleeding. Patti saw purple dots and rushed her daughter to the emergency room. “One of the doctors pulled me aside and said 'we believe your daughter had bacterial meningitis.' I said 'That’s not possible. I made sure Kim was vaccinated with the meningitis vaccine.'”She learned that Kim wasn't fully protected. "At the time, in 2012, when she got sick we didn’t have a Meningitis B vaccine in the United States so I couldn’t protect her with that. She didn’t have the privilege of having a Meningitis B vaccine."Doctor Paul Offit, Professor of Pediatrics at Children's Hospital of Philadelphia says it's a vaccine that's necessary and reduces your chances of the type of pain, loss and suffering that Patti lives with everyday.“There’s five different strains that causes these, one vaccine prevents 4 of them: a, c, w, y and then there’s a b category, so 5- A, c, y,w and b. A few of the vaccines just do a c w and y and couple just do b, so 2 vaccines to prevent all 5 strains,” said Dr. Offit. Wukovits says, "her organs were failing and she was in septic shock and she went into cardiac arrest this is a child who was just in her classroom the day before talking with her friends about prom and how her beautiful dress was on her closet door and excited about graduation and starting nursing school.”Out of Kimberly's tragedy - came the Kimberly Coffey Foundation and the Meningitis B Action Project. “I am promoting awareness of her story so that this does not happen to anyone else. It does not have to happen any longer, we have a vaccine and it should not be happening. We shouldn’t lose one more child. But again, if parents don’t know about it we might not know to ask about it,” Wukovits said.Even in the COVID-19 era, Wukovits is doing webinars, educating everyone about the two separate vaccines, and empowering parents and families to have the conversation before they head back to school this fall. “I know we’re making a difference I know that. Kimberly’s dream was to be a pediatric nurse and save children’s lives and this is not how she or I planned she would save children’s lives but she still is and through me. I’m her voice.”A powerful message from a mom on a mission to save lives, just like Kim would have wanted. 3118

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

White House Counsel Don McGahn will be leaving his position this fall, according to a tweet from President Donald Trump."White House Counsel Don McGahn will be leaving his position in the fall, shortly after the confirmation (hopefully) of Judge Brett Kavanaugh to the United States Supreme Court. I have worked with Don for a long time and truly appreciate his service!" Trump tweeted.The news was first reported by Axios this morning.More on this as it develops.  478

We've seen headlines for weeks about Hertz selling off its fleet after filing for Chapter 11 bankruptcy. In reality, it isn't just Hertz and it didn't just start.“You should not expect, or the market should not expect, all of a sudden this influx of rental supply to hit the market because rental companies have been right sizing their fleets since at least mid-March,” said Larry Dixon, Senior Director of Valuation Services at J.D. Power.As COVID-19 forces car rentals and auctions to shut down, the rental companies started selling more to dealers who weren't able to replenish their used car supply. Now that auctions have opened, demand is up and so are auction prices.So far for retail, what we pay is stable. At the same time, new car sales are down. So, there are fewer trade-ins. That means better deals.“Dealers are going to be more likely to be more aggressive with a trade-in offer to a consumer, particularly for highly desirable late model vehicles, think that 2 to 5-year-old used vehicle,” said Dixon.As far as rental cars being a good buy, they are well-maintained and kept clean. The negatives are they have higher miles. But that can also be a positive in the price.A dealer doesn't have to disclose if a car was a rental. You can find out on your own with a vehicle history report. 1309

When members enter the Schlessman Family YMCA, they’re greeted with new safety measures including getting their temperature taken at the front door.“We’re just ensuring that members, guests and staff are below a 100.4 fever,” said Vanessa Pritchett, sales director with the YMCA of Metropolitan Denver.She says most of the 24,000 YMCA locations across the country were shut down for nearly three months due to the pandemic.Now, with many YMCAs reopening, staff are taking extra steps to ensure member safety like using protective plexiglass at the entrance and having more hand sanitizer stations in more locations.“We really missed our members and we are so much more than a gym,” Pritchett said. “We are focusing on the mind, body and spirit of everyone in our community.”Additional safety measures include mobile check-ins, closing twice a day for deep cleaning, and restructuring the layout of workout equipment to promote social distancing.You don’t have to wear a mask while you’re working out at the YMCA but in between sets or if you switch to a new station, staff is asking members to cover up.To help keep the facilities as clean as possible, the YMCA is encouraging members to clean equipment before and after using it.“You are checking in via touchless system,” said Meredith Marshall, one the nearly 10 million YMCA members in America.She’s been coming to the YMCA since she was eight years old and says these new changes give her peace of mind while working out her body.“It lets me know that the YMCA has thought through what we are doing here,” Marshall said. “How we are to interact with one another.”Interacting and reconnecting with the YMCA community as they move to reopen safely and responsibly. 1725