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Ten eastern states are under winter storm warnings, and an additional five states are under winter weather advisories or storm watches ahead of a nor’easter headed for the region this week. The worst of the storm is expected to hit the region on Wednesday.The winter storm warnings extend in a line from North Carolina to Massachusetts. A number of major cities, including New York, Philadelphia, Boston and Pittsburgh, are in the winter storm warnings that were issued by the National Weather Service. The National Weather Service says that the heaviest snow is expected in South-Central Pennsylvania, where up to 2 feet is expected to accumulate. The National Weather Service says that dangerous travel conditions and isolated power outages are likely.The National Weather Service says that for areas along the I-95 corridor, there is concern of significant freezing rain, which would lead to widespread power outages, tree damage. Up to a quarter inch of ice accretion is possible.The National Weather Service says that the nor’easter’s rain/snow line is still being determined, and a small change to the track could make a major difference for the amount of snow for major Northeast cities. 1202

The Australian refugee deal that US President Donald Trump once derided as "stupid" and "horrible" is happening.The first group of refugees being held at Australian offshore detention centers on Nauru and Papua New Guinea's Manus Island will leave for the US in the "coming weeks," the Australian government has confirmed in a statement."There will be about 25 (refugees) from both Manus and Nauru, will be going to the United States and I just want to thank again President Trump for continuing with that arrangement," Australian Prime Minister Malcolm Turnbull?said in an interview with CNN's Australia affiliate Seven News.Under the terms of the arrangement, refugees selected by the Australian authorities for resettlement in the US are not guaranteed entry into the country. They must first pass a strict vetting process -- which can take months.An official at the US State Department told CNN on Wednesday that to date, they have determined one individual meets resettlement requirements and will be moved in "the coming weeks." The official said he expects the first batch of approved refugees to be notified within days."We expect refugees to travel to the United States in the coming weeks," the official said.Trump made it clear to Turnbull he was not a fan of the deal during their first phone call following Trump's inauguration in January, details of which were later revealed in a?leaked transcript?published by the Washington Post in August."I am the world's greatest person that does not want to let people into the country. And now I am agreeing to take 2,000 people and I agree I can vet them, but that puts me in a bad position. It makes me look so bad and I have only been here a week," Trump said."This is a big deal," Turnbull responded. "It is really, really important to us that we maintain it. It does not oblige you to take one person that you do not want.""This is a stupid deal. This deal will make me look terrible," Trump said, adding later "I think it is a horrible deal, a disgusting deal that I would have never made."The deal was negotiated by former US President Barack Obama and involved the transfer of 1,250 refugees from Australia in exchange for a group of Central American refugees from camps in Costa Rica.Towards the end of their phone call, Trump appeared to concede that he would stick with the deal, but he said he would tell the American people that "I hate it." 2432

Starter credit cards, aimed at those who are new to credit, have been around since at least the 1970s — and they used to be much easier to qualify for.Card issuers once were able to lure young adults, particularly students, with a variety of incentives that federal regulations now prohibit under the Credit Card Act of 2009.“When you started college prior to the Card Act, you could get a Frisbee and a credit card at the same time, or a chance to win a computer and a credit card,” said Rod Griffin, senior director of public education and advocacy at Experian, a credit reporting agency.Credit card eligibility requirements are stiffer now, especially amid the COVID-19-related downturn, as banks tighten lending standards to mitigate risk. It all adds up to more obstacles for those seeking to start the clock on their credit history. About 20% of the U.S. adult population doesn’t have a scorable credit file with the three major credit bureaus, according to a report by the Consumer Financial Protection Bureau.Still, qualifying for a starter card is not impossible, and more options exist today.Eligibility for starter credit cardsThe same CFPB report also notes that credit cards are the most common way to establish a credit file for all income levels and age groups.But age matters in terms of your eligibility for a starter card.IF YOU’RE UNDER 21Applicants generally have to be 18 to apply for a credit card on their own. Applicants under 21 can only report independent personal income, including regular allowances. If you’re a student, you may also report scholarships and grants.“I got the Discover student credit card on the first try,” said Karumi Narasaki, a 20-year-old student based in Indiana and creator of the YouTube channel Rumi’s Life. When she applied for the card, she says she included part-time income from two jobs and school aid received to cover books, rent and food.IF YOU’RE OVER 21Once you turn 21, income restrictions loosen slightly. You can include any income to which you have reasonable access, such as the income of a partner or a spouse, for instance. Income is still a necessary requirement to demonstrate your ability to make payments on borrowed amounts. Other requirements may also exist, depending on the card.If you can’t meet the income requirement at any age, a co-signer could help you build credit with a credit card. You’ll get your own credit card and account, but the co-signer assumes responsibility for the bill if you can’t pay it. Not many issuers allow co-signers on credit card applications these days, but there are still some that do.Types of starter cardsThe ideal starter card should have no annual fee and report your payment history to the three major credit bureaus: TransUnion, Equifax and Experian. These bureaus compile the credit reports that form the basis of your credit scores.Creditors review your credit scores to determine the likelihood that you’ll pay them back. A good FICO credit score of 690 or higher can make it easier to get an apartment, set up utilities and access better interest rates on credit cards or loans, for example.Starter card options may include:AUTHORIZED-USER CARDSCredit cards for authorized users are tied to a primary cardholder’s account. You are issued a card with your name on it, but the primary cardholder is responsible for making the payments. If that person uses his or her credit card wisely, it could reflect well on your own credit history, but double-check with your issuer.“It’s still recommended if you’re going to become an authorized user that you ask the lender if they actually report the account for you,” Griffin said. “If they don’t, it’s not going to help you build a credit history.”SECURED CARDSSecured credit cards are easier to qualify for because they require a cash deposit as collateral, reducing the risk to the issuer. The deposit amount usually determines your credit limit.With a good payment history, you eventually get your deposit back when you close the account or upgrade to a traditional “unsecured” credit card with the same issuer.STUDENT CREDIT CARDSStudent credit cards may require enrollment at a college or university. They also may require that you have at least some existing credit history. You can find exceptions, though.Some student cards may even pack helpful, student-friendly features like waived late payment fees or incentives. Rewards on student cards are uncommon, but some options exist.“I also considered applying for a secured card initially, until I found out there’s a Discover card,” Narasaki said. “It had cash back, which is unlike any of the other cards that I looked up, so I thought it was a pretty beneficial card and it had a lot of perks.”ALTERNATIVE-UNDERWRITING CARDSAlternative-underwriting credit cards have joined the market in recent years with some game-changing approaches. Most of these cards don’t charge a security deposit, and many can use factors other than the traditional FICO scoring model to assess your creditworthiness.If you don’t have a credit history, issuers of these cards may instead look at your employment, income, spending or savings to determine your ability to pay. As a result, they may require government-issued documents, bank account information, employment verification requirements and other details as part of the application process.In some cases, you may not even need a Social Security number to apply, which is helpful for newcomers to the U.S. who have limited options.Starter card alternativesEven with more starter card options on the market, the eligibility requirements may still leave some applicants out. But credit cards aren’t the only way to build a credit history. Some services make it possible to report certain bill payments to the credit bureaus to establish a credit file.For instance, rent-reporting services can record rent payments on credit reports for a fee. Experian Boost records cell phone and utility payments on Experian credit reports for free.You can also consider applying for a credit builder loan.More From NerdWalletIf Credit Card Relief’s a No-Go, Check Out Debt ManagementFor Homeowners, Saving a Down Payment Is Only the Start6 Great Recession Money Lessons That Still Apply TodayMelissa Lambarena is a writer at NerdWallet. Email: mlambarena@nerdwallet.com. Twitter: @LissaLambarena. 6346

Tesla CEO Elon Musk said he may be willing to buy one of the plants General Motors is planning to close if the automaker is willing to sell the property to him."It's possible that we would be interested. If they were going to sell a plant or not use it that we would take it over," he said in an interview on "60 Minutes."GM announced late last month that it was planning to shut down five plants in North America next year including the Detroit Hamtramck assembly and Warren transmission plants.A plant in Lordstown, Ohio, is also scheduled to close.Tesle actually bought a plant jointly owned by General Motors and Toyota back in 2010 for million. It is now one of the company's main production facilities. 730

Swedish clothing company H&M is planning to close 250 stores next year.On Thursday, CEO Helena Helmersson said in a press release that the coronavirus pandemic had played a role in the retail chain's decision since more shoppers were buying online."More and more customers started shopping online during the pandemic, and they are making it clear that they value a convenient and inspiring experience in which stores and online interact and strengthen each other," Helmersson said.Helmersson added that sales declined 5% in September compared to the same time last year."Although the challenges are far from over, we believe that the worst is behind us and we are well placed to come out of the crisis stronger," Helmersson said.H&M has 5,000 stores worldwide. No word yet on which stores will be closing. 821