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Whenever you get vaccinated for the coronavirus, there is a good chance you will need to get two doses of the vaccine. Two types of vaccines are expected to begin being distributed this month and both require two doses 28 days apart.Dr. Anthony Fauci said during a CNN town hall on Friday that the first vaccine is the “prime” vaccine dose, and the second one is a booster. The two vaccines, one from Pfizer and the other Moderna, are expected to receive an FDA emergency use authorization in the coming weeks.Fauci said another vaccine, one produced by Johnson and Johnson, would only require one shot. But Fauci cautioned that the data from that vaccine candidate has not been reviewed. The Moderna and Pfizer vaccines are showing an efficacy of 95%, and both vaccines had a near 100% effectiveness against severe coronavirus cases.While the first shot will offer some protection against the virus, Fauci says that the boost will give Americans “optimal” protection against the virus.“What you have is you get some degree, not optimal, but some degree of immunity a couple of weeks after the first dose,” Fauci said. “That's not optimal. After the second dose, you get optimal immunity anywhere from seven to 10 days after the second dose."As vaccine doses begin to make their way to health care workers and high risk patients, Fauci says it will be important for everyone, even those who are vaccinated, to still wear masks and conduct social distancing. Fauci says that those who are vaccinated could potentially carry the virus, even if they will not become symptomatic.Fauci said that it will take a vast majority of Americans getting vaccinated before the US reaches herd immunity. When the US reaches herd immunity, that is when social distancing measures can be eased, Fauci says. "Even if you're vaccinated, you may be protected against getting sick, but you may not necessarily be protected against getting infections. So you may have some virus in your nasal pharynx. It wouldn't bother you, and maybe it wouldn't even infect anybody else, but it would be there. That's the reason why you can't abandon all public health measures." 2151

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

WILLIAMSVILLE, NY — Rep. Chris Collins, who was charged with insider trading Wednesday, has announced in a statement that he will be suspending his campaign for re-election to Congress in New York's 27th District. Collin's Statement: 266

WILMINGTON, Del. – Joe Biden said in a speech Wednesday that his campaign believes it’s clear that they’re on track to win enough states to reach the 270 electoral votes needed to win the presidency.“I’m not here to declare that we’ve won, but I am here to report that when the count is finished, we believe we'll be the winners,” said the former vice president from Wilmington, Delaware.Watch his speech below:Biden’s remarks came around the same time that The Associated Press projected he would win Wisconsin, bringing him to 248 electoral votes as of about 4 p.m. ET. At that same time, President Donald Trump had racked up 214.“Of all the votes counted, we have won Wisconsin by 20,000 votes, virtually the same margin as when Trump won that state four years ago,” said Biden.Biden is also leading in Michigan and Nevada, but by slim margins. If he were to claim those two states as well, he would reach the crucial 270-vote threshold.“In Michigan, we lead by over 35,000 votes and it’s growing,” said Biden. “It’s a substantially bigger margin than when President Trump won Michigan in 2016.”As for Pennsylvania, The Associated Press still had Trump leading, but Biden had made steady advances throughout Wednesday.“I feel very good about Pennsylvania. Virtually all the remaining ballots to be counted were cast by mail and we’ve been winning 78% of the votes by mail in Pennsylvania,” said Biden.The Democratic candidate said it’s been a long and difficult campaign, but admitted it’s been a more difficult time for our country. He said once the election is over, he hopes to bring Americans together, despite the partisan nature of the country.“I know this won’t be easy. I’m not na?ve, neither of us are,” said Biden referring to him and his running mate, Sen. Kamala Harris. “I know how deep and hard the opposing views are in our country on so many things, but I also know this as well. To make progress, we have to stop treating out opponents as enemies. We are not enemies.”He said what brings us together as Americans stronger than anything that can tear us apart and promised to be a president to the whole country, not just those who voted for him.“The presidency itself is not a partisan institution,” he said. “It’s the one office in this nation that represents everyone, and it demands a duty of care for all Americans and that is precisely what I will do. I will work as for those who didn’t vote for me as I will for those did vote for me.”Biden stressed that every vote must be counted to determine the winner of the election. His comments were likely in reaction to the Trump campaign's lawsuits that are asking for vote counts in Pennsylvania and Michigan to be stopped, claiming lack of “transparency.” The president's campaign is also requesting a recount in Wisconsin, where Biden was narrowly declared the winner.“No one is going to take our democracy away from us, not now, not ever,” he said. “America has come too far. America has fought too many battles. America has endured too much to ever let that happen. We the people will not be silenced. We the people will not be bullied. We the people will not surrender.”Biden ended by saying that he’s confident he will emerge victorious, but it won’t just be his win.“It will be a victory for the American people, for our democracy, for America. And there will be no blue states and red states when we win, just the United States of America.” 3429

When Trey Ganem heard about the shootings in Sutherland Springs, he jumped in his car and drove 100 miles to the mourning town.The 46 year-old businessman didn't come just to bear condolences. He had something more tangible to offer: coffins.Ganem runs a casket design company in Edna, Texas, another small town east of Sutherland Springs.His seven employees build personalized coffins that usually sell for about ,500. He is offering to provide free custom-made coffins for the people slain Sunday at First Baptist Church. So far, he's gotten requests to make 15 caskets."When I first started five years ago, children burned in a fire in Edna, Texas. I donated caskets to the family. I knew the kids" he told CNN. "It was the most emotional time in my life."The tragic news out of Sutherland Springs stirred up the same emotions for Ganem."Immediately my heart opened up and I was like 'yes, we can do this,'" he said. "It's a small town. People that felt like they were safe ended up in this tragedy.""What we want to do is start the healing process here," Ganem said. "I want to make sure that we celebrate the lives of the people who were there."Ganem's caskets are always personalized. For some of the younger victims, he plans to paint coffins with princesses and Barbie. The smallest one will fit a 1-year-old girl.He sees his gesture as a way to help grieving families get through their darkest time."We want people to know that we are here for them. We are praying for these families that were affected and we will continue to." 1547

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