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While Tuesday's election wasn't quite the "Blue Wave" that Democrats had hoped for, the Democratic Party won a majority of seats in the U.S. House once the new Congress is seated in January. Democrats needed to turn over at least 23 Republican seats for a total of 218 and the party claimed 222 on Tuesday night, according to numbers from CNN.Although Democrats will lose seats in the Senate, taking the House gives Democrats the ability to conduct investigations, which could pose issues for President Donald Trump pending the result of Special Counsel Robert Mueller's investigation. Ushering in a crop of new Democrats into the House, Alexandria Ocasio-Cortez, 29, will become the youngest woman in history to be elected to Congress. She upset New York Democratic Rep. Joe Crowley in the primary election earlier this year. Michigan Democrat Rashida Tlaib and Ilhan Omar, the Minnesota Democratic-Farmer-Labor Party's nominee, were elected on Tuesday as the first Muslim women in the House. Former Tennessee Titans linebacker Colin Allred, a Democrat in Dallas, defeated incumbent Pete Sessions to win his first time as a candidate.  1184

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

Widespread flash flooding along small streams, urban areas, and roadways is expected to begin this afternoon into Thursday from far eastern Texas, across Louisiana and Arkansas. This will also lead to minor to isolated moderate freshwater river flooding. #Laura pic.twitter.com/z71y3icU29— National Hurricane Center (@NHC_Atlantic) August 26, 2020 356

Whether kids learn at school or at home this fall, Nick Rose wants them to learn and practice music. That's Rose’s goal behind his Band In A Box program.Rose has been distributing hundreds of plain brown boxes with the gift of music inside. It's a spinoff from his Band In A Bus program.“We believe it’s like giving away a box of joy,” said Rose.With more and more questions about what classes and extracurriculars will look like as the coronavirus pandemic continues, Band In A Bus is changing its approach to hand out recorders and drum sticks to as many kids as possible.“The least we can do in these trying times is help kids feel some type of happiness and excitement every day,” Rose said. "That’s kind of why we’re trying to pilot this program.”Band In A Bus says budget cuts due to the coronavirus are forcing some schools to cut back music programs even more, which makes these free boxes even more important for kids.“The worst thing that we can do to a kid is strip them of this creative outlet,” Rose said. “As a growing young person, the most valuable thing is learning who you are and your tone of voice.”The Band in a Box program has enough money to help about 500 kids, but it is raising more money to try to impact as many families as possible.“That’s the experience that every kid can kind of relate to – that excitement, that fun,” Rose said. “You could see their smiles as they were drumming. It’s such a powerful emotion.”You can donate to Band In A Box at GoFundMe.com.WCPO's Josh Bazan first reported this story. 1543

When two hijacked passenger planes crashed into the World Trade Center towers on September 11, 2001, a massive cloud of dust swept across the New York skyline.The looming cloud, caused by the twin towers' collapse and the digging in ground zero, carried chemicals and carcinogens such as perfluoroalkyl substances or PFASs, a class of chemicals used to make products stain-resistant, nonstick or waterproof. 415