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The ,000 purchase of a soundproof booth for Environmental Protection Agency Administrator Scott Pruitt's office violated federal law, the Government Accountability Office concluded Monday.The GAO, a government spending watchdog that reports to Congress, cites a requirement that executive branch agencies must notify Congress before spending more than ,000 on certain office improvements."Because EPA violated this statutory requirement, we also conclude that EPA violated the Antideficiency Act and should report its violation to the Congress and the President as required by law," GAO said in a statement by one of its attorneys, Julie Matta.GPO's conclusions, outlined in a letter to congressional Democrats, follows a string of revelations about Pruitt's often pricey measures at the agency, including first class travel and 24/7 security.Pruitt is the first EPA administrator to employ an around-the-clock security detail. He has flown first or business class when traveling. He installed biometric locks on his office and closed the area around it to EPA personnel who are not on an approved list. The agency paid ,000 to a business partner of his security chief to check his office for spying technology.It is not yet clear what the consequences, if any, may be. President Donald Trump has repeatedly backed Pruitt through the revelations -- about expensive travel, a below-market-rate lease from an energy lobbyist, and raises given to aides against White House direction -- calling him a "good man" who "is doing a great job!"The ,570 "privacy booth for the administrator" was ordered in August from a Virginia-based company that specializing in soundproofing materials. The total price of around ,000 included renovations to prepare space for the booth, including removing a closed circuit camera system.EPA did not immediately respond to a request for comment.The-CNN-Wire 1904

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

The Boston Marathon clarified on Sunday its policy on allowing transgender athletes to compete in its annual event, saying that athletes do not have to share their gender history with race officials, NPR reported. The Marathon also confirmed that transgender runners have competed in past events. "We don't require that runners outline their gender identity history with us, so we can't say for certain how many trans runners are in our race," the Boston Athletic Association, organizer of the annual Boston Marathon, said in a statement to NPR. "We do know that we have had several transgender runners in the past."Last month in the Canadian publication "Running Magazine," three transgender women told the magazine that they plan on competing as women in this year's Boston Marathon, which will be held on April 16. The story drew questions on whether transgender athletes competing as women would be at an advantage. Although the Boston Marathon is generally considered a competition for amateur athletes, it has strict qualification standards based on athletes' age and gender. Before the 2016 Summer Olympics, the International Olympic Committee developed criteria to ensure that transgender athletes could compete in their desired gender, while trying not to give any competitive advantage. The IOC developed limits to the testosterone levels of transgender female athletes. For transgender males, they are able to compete in the Olympics without restriction. 1538

TAMPA, Fla. — A 0,000 reward is being offered for information on the 1997 disappearance of Don Lewis, the Tampa man whose case was featured in Netflix's "Tiger King."Lewis' family held a press conference Monday morning at Riverhills Church of God in Tampa.“Amazingly, our little family tragedy has become your tragedy. Our search for closure and truth has become your mission also,” said Lewis’ daughter, Gale Rathbone.The family has retained Jacksonville attorney John Phillips to conduct their own independent investigation into the circumstances surrounding the disappearance.Phillips says he will represent anyone willing to come forward with information pro-bono.RELATED: Hillsborough sheriff asks for new leads for missing man featured in Netflix's 'Tiger King'Lewis was reported missing in 1997 by his wife, Carole Baskin.In the wake of Lewis' disappearance, viewers of the Netflix series have shared theories about what happened.“Think about your grandfather being rumored to either have been eaten by alligators, be under a septic tank of feces or in a meat grinder,” said Phillips.But as wild as it may sound, Phillips says there may be merit to those theories.Baskin, the owner of Tampa's Big Cat Rescue, was featured in the Netflix hit series, which briefly touched on Lewis' disappearance.Since the show's release, Baskin and her current husband, Howard, said producers duped them into thinking the series would be about stopping the abuse of big cats."Anyone who spends an hour with Carole would come away knowing that there was no way that she had any involvement in Don's disappearance and that the vicious rumors that were spread by his family are absolute nonsense stuff about meat grinders and septic tanks," said Howard Baskin.There have been renewed calls from authorities for tips in Lewis' case since the show was released. An anonymous donor helped the family raise the reward to 0,000,“Whomever that person is, we are so grateful. We are hoping that with those funds someone will have the courage to come forward,” said daughter Donna Pettis. 2081

The American Academy of Pediatrics is clarifying their stance on reopening schools this fall, pushing for science-based decisions and calling on Congress to provide necessary federal funding for campuses to reopen safely.The AAP, joining together with the American Federation of Teachers (AFT), National Education Association (NEA) and AASA, The School Superintendents Association, said they share the desire to welcome children back to schools this fall, however safety concerns must be considered.“Returning to school is important for the healthy development and well-being of children, but we must pursue re-opening in a way that is safe for all students, teachers and staff. Science should drive decision-making on safely reopening schools. Public health agencies must make recommendations based on evidence, not politics,” the statement reads.They go on to say a one-size-fits-all approach is not appropriate, given the nature of the pandemic across the country. 975

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