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When you hear wedding bells, you often see dollar signs. But there are additional costs to consider besides basic ones like the venue, dress, photographer and cake.Here are some often overlooked wedding expenses and how to budget for them. 257

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. – Joe Biden is calling for a nationwide mask mandate.“Every governor should mandate mandatory mask wearing,” said the presumptive Democratic presidential nominee, citing estimates from experts who say a mandate could save 40,000 lives over the next three months.Biden’s remarks came after meeting with public health experts with newly announced running mate Kamala Harris on Thursday.He said they spoke about schools reopening, the distribution of possible vaccines, the existence of racial disparities, and the lack of testing capacity. But he zeroed in on mask wearing.“It doesn’t have anything to do with Democrats, Republicans or Independents, it has to do with a simple proposition,” said Biden. “Every single American should be wearing a mask when they are outside for the next three months at a minimum.”Harris then spoke after Biden finished and reiterated the need for wearing a mask. She mentioned the more than 166,000 people who have died from COVID-19 so far in the U.S.“We know those individuals represent families, loved ones, grandparents, parents, sisters and brothers, aunts and uncles, of people that are mourning their loss every day,” she said. “So what real leadership looks like is Joe Biden, to speak up, sometimes telling us stuff that we don’t necessarily want to hear, but we need to know.”Watch their remarks below:The event came a day after the pair’s first appearance as running mates during an event at a high school in Wilmington, Delaware.During her speech, Harris took aim at President Donald Trump’s response to the pandemic.“At the president's mismanagement of the pandemic has plunged us into the worst economic crisis since the great depression, and we are experiencing a moral reckoning with racism and systemic injustice that has brought a new coalition of conscience to the streets of our country demanding change,” Harris said. “America is crying out for leadership, yet we have a president who cares more about himself than the people who elected him, a president who is making every challenge we face even more difficult to solve, but here is the good news. We do not have to accept the failed government of Donald Trump and Mike Pence.”Trump responded Wednesday evening, saying "I was surprised he picked her because of the horrible way she spoke about him, and frankly because she dropped like a rock."Biden and Harris will likely be holding these types of events often as the 2020 election season ramps up. The Democratic party will kick off its campaign next week with its virtual convention, which will feature several prominent party leaders, including the nominees.In the 24 hours following Biden’s VP announcement, his campaign says he raised million, which more than doubled the campaign’s previous record. 2788

While there are still questions about whether trick-or-treating will happen in 2020 and how neighborhoods will make it possible, there is no question Americans like their Halloween candy.Sales of Halloween candy and chocolate at grocery stores are up 17 percent over 2019 so far this season, according to the National Confectioners Association. Total sales, including online purchases, is up 13 percent year-over-year.The National Confectioners Association, NCA, represents manufacturers and suppliers of sweet treats, gum, mints and chocolates.Their research showed chocolate is driving the increase. Halloween chocolate sales are up 25 percent over 2019 so far. The NCA released data over the summer showing chocolate was the treat of choice of Americans during the pandemic, with sales increasing five percent March through August over the same time period in 2019. Sales of premium chocolate during that time was up 12 percent year-over-year. Ferrara Candy, which makes Sweetarts, Nerds, Brach’s Candy Corn, Gobstoppers and more, said Halloween sales bring in about .5 billion in sales. In an interview with Axios, CEO Todd Siwak said their company learned a lot from the drop in sales for Easter. This was also the time many stores were closing because of lockdowns to stop the spread of the coronavirus. Even as shopping has picked up a little, they have made some changes.“As the frequency in-store is reduced by the shopper, so fewer trips but bigger baskets, we wanted to make sure we were there presenting the opportunity to consumers,” Siwak said. He added Ferrara Candy created more individually-wrapped confections and got product to stores earlier to extend the selling season.There are still about three weeks until Halloween, and the industry expects sales to increase. Siwak says about 60 percent of the sales for Halloween candy happen in the last few weeks before the holiday.The NCA data also suggested Americans are getting more excited for Halloween in 2020. They found 80 percent believe they will find creative and safe ways to celebrate this year. The response was just 63 percent in July. 2125

When Madame Tussauds Wax Museum reopens on Friday, President Donald Trump's wax figure will greet anyone who walks in, while donning a mask. 148

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