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WEST SENECA, N.Y. —From the running water to the statues and perfectly trimmed plants, Pam and Dave Hubert's backyard in West Seneca, New York, is a place the couple can sit back and relax.But last fall was anything but relaxing for the family."I had a lump in the right side of my throat that I've had many times from having sinus infections," explained Dave. "I went to the doctor and he said something's not right this time.""His words were: you have cancer," Dave said. "You're going to go through hell, but you're going to survive."Dave was diagnosed with throat cancer at the end of August. He had 35 radiation treatments and two rounds of chemo. After months of grueling recovery, he was cancer-free, and could finally sleep and eat again.Pam was by his side throughout it all."We said there's got to be other purpose here than us being sick," Dave said. "I didn't get sick to get sick. I got sick cause someone else needs us to help them get through this."As fall approached this year, Dave had one question for his wife."He said to me, 'do you plan on decorating the yard for the fall?'" Pam recalled. "And I said 'yeah I usually do.' And he said, 'I was hoping you would say that, because last year I just couldn't, I was too tired, too weak I just didn't enjoy it the way I wanted to enjoy it.'""I tried to be out here doing some work," Dave said. "But I was just so tired. I was just so exhausted from the treatment."Pam decided this year needed to be different, so she put out a call on Facebook to people she knew, and to strangers."If there's somebody you know battling cancer or survived cancer, or may have lost a battle to cancer, I would like to honor them," Pam said. "And if you have a pumpkin I'm happy to put it in my yard and we'll display it."That's when the pumpkins started showing up. They have names of patients who have fought cancer, and also messages to those who were lost to the disease. 1929

When Sen. Bernie Sanders did this in 2013, he did it alone.On Wednesday, nearly four years later, Sanders introduced a new "Medicare for all" health care bill with a third of the Senate Democratic caucus by his side.Flanked at first by New York Sen. Kirsten Gillibrand and Connecticut Sen. Richard Blumenthal, Sanders called the costs of the current system "insane and unaffordable," promising that the average family would benefit financially under his plan "because you will no longer be writing checks to private insurance companies."For those whose taxes would go up, he added, "that expense will be more than offset by the money are you are saving with the elimination of private insurance costs." 710

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

With Democrats set to take control of the House in January, speculation abounds about whether the new majority would impeach the President.Americans break against that idea, according to a new CNN poll conducted by SSRS. Half, 50%, say they don't feel that Trump ought to be impeached and removed from office, while 43% say he should be. Support for impeachment has dipped some since September, when 47% favored it, and is about the same as in a June poll (42% favored it then). Support for impeachment of Trump remains higher than it was for each of the last three presidents at any time it was asked. It's on par with President Richard Nixon, who 43% of Americans said should be impeached and removed from office in a March 1974 Harris poll.The shift on impeachment comes mostly from political independents. In September, they were evenly split on the question, with 48% behind impeachment and 47% opposed. Now, 36% favor impeachment and 55% are opposed.There's also been a meaningful shift on the question among younger adults (53% of those under age 45 backed impeachment in September, now that's down to 45%) and racial and ethnic minorities (66% favored it in September, 50% do now).Related: Full poll resultsTrump himself warned his supporters during the 2016 midterm campaign that Democrats would try to impeach him, although Democratic leaders like soon-to-be House Speaker Nancy Pelsoi have dismissed the idea.More recently, Trump has been worrying about the prospect, according to reporting by CNN's Jim Acosta, as a number of his former associates cooperate with the special counsel investigation into possible collusion by Trump's campaign with Russians interfering in the 2016 election.The incoming Democratic chairman of the House Judiciary Committee, Jerry Nadler of New York, told CNN's Jake Tapper that if allegations by Michael Cohen that Trump directed him to issue illegal payments to women alleging affairs to keep them quiet during the 2016 election were true, those would constitute "impeachable offenses." At the same time, Nadler made no suggestion Democrats would pursue impeachment against Trump.One reason Democrats might not impeach Trump even if he is ultimately implicated by special counsel Robert Mueller is that while they control the House, and so could potentially impeach him in that chamber with a simple majority, Republicans will still control of the US Senate. It would require the defection of 20 Republican senators to remove Trump from office if he were impeached by Democrats in the House.That defection among the President's partisans failed to happened when Republicans in the House impeached Bill Clinton in the late 1990s. There were nowhere near the 67 votes needed in the Senate to remove Clinton from office.Trump, however, is not nearly as popular now as Clinton was then. Clinton reached more than 70% approval when the House voted to impeach him in December of 1998, according to CNN/Gallup/USA Today polling.Former President Richard Nixon, who resigned rather than be impeached, had a much lower approval rating than Trump has now. He was under 30% approval when he resigned in August of 1974. Trump's approval rating has remained remarkably steady, in the high 30s and low 40s -- much less than Clinton, but much higher than Nixon.All of this remains academic since Democratic leaders have not expressed any interest in impeaching Trump.The CNN Poll was conducted by SSRS December 6 through 9 among a random national sample of 1,015 adults reached on landlines or cellphones by a live interviewer. Results for the full sample have a margin of sampling error of plus or minus 3.8 percentage points, it is larger for subgroups. 3691

When I told friends that my wife and I were heading to Johannesburg -- which had just been hit by torrential rain and flooding — for a family wedding over Easter, they joked about how lucky we were to be able to take deep baths and long showers.Like many Capetonians, we've endured months of quick 90-second showers, bucket washes or baths that are only centimeters deep and grey water to flush the toilet or water our parched garden. 447

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