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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

When you're facing a medical emergency, you trust your life to the doctors at in the emergency room. Those doctors sometimes have just seconds to make life or death decisions. Four in Your Corner is giving you an inside look as to what it's like to be an ER doctor."I love the pace of things and it takes a certain person to be an ER doctor," Dr. Keith Burley, who works in Cape Coral Hospital's emergency room, said/ "Emergency medicine is a true team sport. It takes the whole department to really resuscitate someone who is very sick.""Say someone comes in in cardiac arrest. They come in right through our trauma bay doors. They're dropped into one of our resuscitation rooms. Our team organizes very quickly. Everyone knows their jobs," Dr. Burley said.\In cases like this, techs will be running IVs; nurses will be hooking up defibrillation pads. Pharmacists will be running drugs. Staff will be trying to find out a patient's name. Dr. Burley said it's all about balancing quickness with efficiency while making sure patients are safe during triage."It's very important we triage effectively, making sure we point out and pick up the really sick people early on so we dedicate most of our resources to those sick people," Dr. Burley said. "We do need to triage because we have limited resources we need to effectively implement."Dr. Burley said when he sees a patient, he's trained to think worst case-scenario first."So someone coming in with a headache, we think, could this be a stroke? Could this be a subarachnoid hemorrhage? Could this be something else going on? Before we think it's just a headache," he said.Dr. Burley has known he's wanted to be a doctor since he was four years old after he was in a life-changing, dangerous situation."Like a good Canadian, I was tobogganing down a hill. We were going down the hill and my brother bailed. We continued to go down the hill and I hit a tree with my head," he said.He had a fractured skull and lost hearing in his left ear."I was seen by ER doctors, trauma doctors, a pediatric neurologist, had multiple MRIs," he said. "From that point on, as a young child, I always wanted to be a doctor."He said one of his most bizarre cases was just hours before Hurricane Irma hit. A dog was brought into the ER with it's eye hanging out."I'm not a veterinarian and I don't pretend to be one. I have a dog but it's a little out of my realm," Dr. Burley said. "We placed a pressured dressing and one of the staff members was able to call around to get a vet to see that dog just before the storm."For that dog and family, it was a happy ending, but Dr. Burley said the hardest part about emergency medicine are the days he deals with death and dying."It takes a certain person to deal with death and dying every day and then come back. It's a resiliency characteristic that all the ER staff have," Dr. Burley said.Whether their patients survive or not, the doctors have to learn to compartmentalize -- going from patient to patient until the end of their eight to 10 hour shift."We'll see a pediatric drowning, and then the next case we'll see someone with an eyeball injury, or someone with a simple laceration, and we have to give that patient the same amount of attention we gave the other patient and reset," he said."It's a privilege to be in a discipline where you get to see someone on their worst day of their entire life, and if you can make that a little better, you've done your job," he said.Dr. Burley said to unwind, he spends a lot of time at the beach and kite surfing. 3562

While active-shooter training is not new to houses of worship, the massacre this month at a Texas church has renewed attention to their vulnerability and the fine line religious leaders walk as they try to create a welcoming atmosphere that doesn't tempt a would-be shooter."One of the responsibilities I have as a pastor, as a shepherd of the church, is to protect the people, and that includes spiritually, but it also includes the physical protection," said Pastor Jack Graham of Prestonwood Baptist Church in Plano, Texas.The deadliest-ever mass shooting in Texas -- in which a gunman walked among pews at First Baptist Church in Sutherland Springs, killing 25 parishioners and an unborn child -- has become the latest in a string of attacks directed at religious institutions. 789

Which is worse? Aggressive driving, drunk driving or distracted driving?They're all bad, but new information out on Thursday shows when it comes to risky behavior on the road, distracted driving now tops the list. Nearly nine out of 10 drivers believe it's on the rise. But experts say there are things you can do about it.From reaching for something to the increasing danger of technology, it has become easier to become distracted while driving. In a study out Thursday, the AAA Foundation found drivers talking on a cellphone are up to four times more likely to crash than those not using a cellphone. Those who text and drive are eight times more likely.Mark Stolberg, the Vice President of training at Masterdrive, said many of us look at distractions as small interruptions we can stop at any time.“The problem with it is the traffic situation can become threatening very quickly,” said Stolberg. “So even a little distraction is very dangerous.”“So if you have to check something else, if you have to check the mirror, if you have to check your navigation right, check that then get back focused on driving," Stolberg added. "Get right back focused on driving.”Stolberg demonstrated that when a text message is received, drivers have a tendency to take their eyes off the road. In a split second, Stolberg said that drivers could miss a changing traffic light, causing potential accidents. Turning off cellphones while driving is one way drivers can remove the temptation of taking their eyes off of the road.  1585

White House adviser Stephen Miller is pushing to expedite a policy that could penalize legal immigrants whose families receive public benefits and make it more difficult to get citizenship, three sources familiar with the matter tell CNN.The White House has been reviewing the proposal since March at the Office of Management and Budget, which is the last stop for regulations before they are final. But concerns over potential lawsuits have delayed the final rule, and the draft has undergone numerous revisions, multiple sources say.The crux of the proposal would penalize legal immigrants if they or their family members have used government benefits -- defined widely in previous drafts of the policy.The law has long allowed authorities to reject immigrants if they are likely to become a "public charge" -- or dependent on government. But the draft rule in its recent forms would include programs as expansive as health care subsidies under the Affordable Care Act, as well as some forms of Medicaid, the Children's Health Insurance Program, food stamps and the Earned Income Tax Credit.The rule would not explicitly prohibit immigrants or their families from accepting benefits. Rather, it authorizes the officers who evaluate their applications for things like green cards and residency visas to count the use of these programs against applicants and gives them authority to deny visas on these grounds -- even if the program was used by a family member.Two non-administration sources close to US Citizenship and Immigration Services, which would publish and enforce the proposal, say that Miller has been unhappy by the delay and has pushed the agency to finish it quickly. The sources say Miller even instructed the agency to prioritize finalizing the rule over other efforts a few weeks ago.Miller is an immigration hardliner within the administration, a veteran of Attorney General Jeff Sessions' Senate office who has been at President Donald Trump's side since the early stages of his presidential campaign.But two other administration sources downplayed the idea of any instructions to defer other policies until it's done, though they acknowledged Miller is keenly interested in the rule.The White House and Department of Homeland Security did not respond to a request for comment.Earlier this year, DHS spokesman Tyler Houlton said the administration is concerned about taxpayer dollars."The administration is committed to enforcing existing immigration law, which is clearly intended to protect the American taxpayer," Houlton said. "Any potential changes to the rule would be in keeping with the letter and spirit of the law -- as well as the reasonable expectations of the American people for the government to be good stewards of taxpayer funds."In one illustration of how many avenues there may be to challenge the complex rule, it was sent over to the Office of Management and Budget designated as not "economically significant" despite the possible impact to millions of immigrants and federal spending.Executive director of the pro-immigration group America's Voice Frank Sharry alleged that Trump and Miller are using a "deeply cynical and cruel strategy" and accused Republicans of "race-baiting.""Trump and Miller have concluded that the best 2018 political strategy is a divisive and desperate three-step: 1) do something cruel to immigrants; 2) sit back as Democrats, the fact-based media and the majority of Americans denounce the cruelty; 3) step in and claim that the President is standing up for his white base and against 'the other' while working to define Democrats as doing the opposite," Sharry said. "They did this on DACA. They did this on family separation. Now they are planning to do the same on public charge."The-CNN-Wire 3775