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WILBRAHAM, Mass. (AP) — Friendly’s Restaurants, an East Coast dining chain known for its Fribble milkshake and ice cream sundaes, is filing for bankruptcy protection.All 130 of its locations will remain open while it restructures under Chapter 11 bankruptcy protection.Substantially all of its assets are being sold to the restaurant company, Amici Partners Group.“Over the last two years, Friendly’s has made important strides toward reinvigorating our beloved brand in the face of shifting demographics, increased competition, and rising costs,” said George Michel, the company's CEO. “We achieved this by delivering menu innovation, re-energizing marketing, focusing on take-out, catering and third-party delivery, establishing a better overall experience for customers, and working closely with our franchisees and restaurant teams. Unfortunately, like many restaurant businesses, our progress was suddenly interrupted by the catastrophic impact of COVID-19, which caused a decline in revenue as dine-in operations ceased for months and re-opened with limited capacity."The pandemic has hit the restaurant sector hard, particularly those that rely on people in their dining rooms.At least 10 chains have filed for bankruptcy protection since the pandemic began this year.But Friendly’s Restaurant, like most other chains that have stumbled this year, had been struggling. The Wilbraham, Massachusetts, company filed for bankruptcy protection in 2011 as well. 1470

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 he was a US attorney in Florida, Labor Secretary Alexander Acosta gave accused pedophile Jeffrey Epstein the "deal of a lifetime," the Miami Herald reported Wednesday.In a sweeping review of the politically connected multimillionaire's case, the Herald explained how Acosta made an agreement with Epstein to avoid major repercussions for the hedge fund manager, even though a federal investigation identified 36 underage victims.The report said Acosta forged a deal with one of Epstein's attorneys where he pleaded to two state prostitution charges, ultimately serving only 13 months and avoiding a federal trial. The agreement, the Herald said, "essentially shut down an ongoing FBI probe" and further granted immunity to "any potential co-conspirators" in the case.Epstein also registered as a sex offender and paid restitution to the victims identified by the FBI.The paper said it learned that Epstein provided information to federal investigators, but did not detail what the information was. It did note, however, that the Epstein case occurred around the same time as the economic crisis of 2008 and that records showed Epstein was a witness in the prosecution of executives at the failed investment bank Bear Stearns.The Herald said neither Epstein nor his attorney Jack Goldberger responded to its requests for comment. CNN has also reached out to Goldberger for comment.Eric Holland, a spokesperson for the Department of Labor, said in an emailed response to the report that "this matter has been publicly addressed previously, including during confirmation hearings.""The US Attorney's Office for the Southern District of Florida has defended the actions in this case across three administrations, and the US Attorney's Office for the Southern District of Florida is the appropriate office for your inquiry," Holland said.Sarah Schall, a spokesperson for the Southern District of Florida, told CNN the office declined to comment.The Herald said it found about 80 women Epstein allegedly molested or sexually abused over a five-year period, and the report charged that even Epstein's state prison time was lax, being housed in a private wing at the Palm Beach County jail and allowed work release privileges.Epstein was friends with President Donald Trump and former President Bill Clinton, and his legal team included Alan Dershowitz and Kenneth Starr, the report noted.Trump nominated Acosta to lead the Department of Labor last year after his first choice, Andrew Puzder, withdrew himself from contention.Acosta defended his handling of the Epstein case during his confirmation hearing."At the end of the day, based on the evidence, professionals within a prosecutor's office decide that a plea -- that guarantees that someone goes to jail, that guarantees that someone register generally and that guarantees other outcomes -- is a good thing," he said last year.The report noted a pair of lawsuits await further action in the courts, and in one, the Herald said, women argue Acosta and other federal prosecutors broke the law in their handling of the case.The-CNN-Wire 3095

With coronavirus cases surging in Florida, President Donald Trump said Tuesday that he’s “flexible” on the size of the Republican National Convention in Jacksonville.The president spoke as a growing number of Senate Republicans said they’d skip the event, and even as the White House tried to tamp down nationwide concern about the virus’s spread.Asked in an interview Tuesday whether he’d want to limit the gathering if the state’s coronavirus cases continue to rise, Trump replied that the decision “really depends on the timing.”“We’re always looking at different things,” Trump said during an interview on Gray Television’s “Full Court Press with Greta Van Susteren.”“When we signed a few weeks ago, it looked good,” the president continued. “And now, all of a sudden, it’s spiking up a little bit. And that’s going to go down. It really depends on the timing. Look, we’re very flexible.”There were about 452 new reported cases per 100,000 people in Florida over the past two weeks, which ranks second to Arizona in the U.S. for new cases per capita.He spoke as Republican lawmakers increasingly expressed concern about the gathering. Republican Sens. Chuck Grassley of Iowa, 86, and Lamar Alexander of Tennessee, 80, were among those saying they would stay away from the event. The virus takes a high toll on older people.Grassley was explicit about the reason for skipping the convention for the first time in his 40 years in public office.“I’m not going to go, and I’m not going to go because of the virus situation,” he said on a conference call Monday with Iowa reporters.Alexander, who is retiring after this year, was more subtle.In a statement released by his office Tuesday, he acknowledged that choices must be made and that fewer people gathered for the event is desirable. Alexander did not mention Trump, the pandemic or the fact that health experts say the virus is more transmissible among people in close proximity for prolonged periods.“Sen. Alexander is an honorary chair of the Tennessee Trump campaign, but he will not be attending the convention because he believes the delegate spots should be reserved for those who have not had that privilege before as he has had,” the statement said.About a dozen states are reporting worrying spikes of cases. The White House is trying to tamp down the nationwide concern despite more than 2.9 million confirmed COVID-19 cases and more than 130,000 deaths.Trump has falsely declared that 99% of cases of COVID-19 are harmless, a claim that is not supported by science.Florida is one of the nation’s hardest-hit states, and hospitals are warning they’re in danger of being overwhelmed. Florida’s COVID-19 positive test rate is 18.7%, making it second only to Arizona among states where coronavirus infections are surging. According to public health experts, a rate of 10% or more indicates the virus is spreading in communities.The rate is a snapshot of current conditions, and measures like social distancing, wearing masks, avoiding crowded indoor locations and frequent hand-washing can bring it down.Florida reached a grim milestone over the weekend, with health officials reporting that more than 200,000 people have tested positive for the coronavirus since the start of the outbreak.The highest number of confirmed cases in one day came Saturday, when more than 11,400 cases were reported in the state. More than 3,700 people have died.The convention is scheduled to begin Aug. 24. Officials in Jacksonville, Florida, began requiring face masks in public a week ago.“If you want to have a convention, and I think we should have a convention, I think you should do whatever you can to make it as safe as possible, so that would be with face masks and social distancing,” Grassley said.Grassley said he plans to continue his tour of all of Iowa’s counties, visiting 29 counties during the current two-week break. He and his staff will wear masks, but he doesn’t plan on requiring it for Iowans who come to see him.“There’s no way a United States senator can force anybody in Iowa to wear a mask,” he said. “It’s going to be up to the individuals and I would say that there’s generally a rule that if you’re 6 feet apart, you don’t have to wear a mask, but I think doing both makes common sense and I’m going to encourage people to do both.”___Associated Press writers David Pitt in West Des Moines, Iowa, and Ricardo Alonso-Zaldivar in Washington contributed to this report.___Follow Kellman at http://www.twitter.com/APLaurieKellman 4509

WILMINGTON, Del. — Joe Biden's meeting Thursday with a group of Democratic and Republican governors is his latest attempt to fight through President Donald Trump's unprecedented attempt to block the president-elect's transition to power.Biden and vice president-elect Kamala Harris have planned a virtual session with the National Governors Association's leadership team for Wednesday afternoon, which includes five Republicans and four Democrats.All the Democrats and a majority of the Republicans involved have acknowledged Biden as the winner of the White House election.The president-elect's remarks come as Georgia is slated to release results of a hand recount of the 2020 presidential election in the state. While reports indicate that the tally will include a few more votes for Trump, he will still likely fall far short of overtaking Biden's current lead in the state.Georgia is the only state that the Associated Press has not called for either candidate. Even without Georgia's electoral votes, Biden would still have enough to win the presidency.Trump is continuing to push unsubstantiated claims of voter fraud. On Thursday, he continued to court Republican election officials in Wayne County, Michigan in an attempt to de-certify the results of the heavily Democratic county. 1298