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WILMINGTON, Del. – In a prime-time speech after the Electoral College vote, President-elect Joe Biden is set to declare that “not even ... an abuse of power” can stop a peaceful transition of power in the U.S. after last month’s election.That’s an overt swipe at President Donald Trump’s refusal to accept defeat and the top Republicans who have continued to stand by him.Biden is set to speak in Wilmington at about 7:30 p.m. ET Monday after the Electoral College formally votes to declare him president.According to excerpts released ahead of time by his campaign, Biden plans to call for unity and again express his intentions to be a president for everyone, regardless of whether they voted for him.“As I said through this campaign, I will be a president for all Americans,” Biden will say. “I will work just as hard for those of you who didn’t vote for me, as I will for those who did.But he also will say that “In America, politicians don’t take power — the people grant it to them.”“The flame of democracy was lit in this nation a long time ago,” Biden is set to say. “And we now know that nothing — not even a pandemic —or an abuse of power — can extinguish that flame.”As electors gathered in all 50 states and the District of Columbia on Monday to formally vote for the next president, the U.S. reached two major milestones in the COVID-19 pandemic. The nation’s death toll from the coronavirus surpassed 300,000 people and the first doses of Pfizer’s COVID-19 vaccine were administered to health care workers in several states.During his remarks, Biden is also expected to touch on the state of the pandemic and what he’ll do to help get the country through it.“There is urgent work in front of all of us. Getting the pandemic under control to getting the nation vaccinated against this virus. Delivering immediate economic help so badly needed by so many Americans who are hurting today — and then building our economy back better than ever,” Biden is set to say. 1983

While congressional leaders continue to search for viable solutions to address America's gun violence, not even some of the more limited proposals are likely to make it to the Senate floor this week, and other issues are starting to crowd Capitol Hill's agenda.It's been more than two weeks since a gunman killed 17 people at a high school in Parkland, Florida, but mixed messages from the White House and reluctance in Congress to tackle anything more than narrow changes has led to a legislative paralysis in Washington.At the forefront of the uncertainty on guns is President Donald Trump. Congressional leaders, as well as rank-and-file members, had been waiting for Trump to take the lead on the issue or at least clearly spell out his priorities, but after a week's worth of confusing and seemingly conflicted statements, the President's contributions have done little to move legislation forward.  917

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 a young sperm whale washed up on a beach in southern Spain, scientists wanted to know what killed it. They now know: waste -- 64 pounds of it. Most of it plastic, but also ropes, pieces of net and other debris lodged in its stomach.The discovery has prompted authorities in Murcia, Spain, to launch a campaign to clean up its beaches."The presence of plastic in the ocean and oceans is one of the greatest threats to the conservation of wildlife throughout the world, as many animals are trapped in the trash or ingest large quantities of plastics that end up causing their death," Murcia's general director of environment, Consuelo Rosauro said in a statement.A sperm whale's diet is usually comprised of giant squid. But the 33-foot long mammal that washed up on the beach of Cabo de Palos on February 27 was unusually thin. 839

When police in Winfield, Kansas, pulled Rudy Samuel over, the 31-year-old felt he had done nothing wrong. So he started recording the encounter on Facebook Live."Officer says I failed to put my signal light on within a hundred feet," he says to the camera. "And it wasn't a hundred feet, but whatever."The video, shot on May 13, begins after Samuel provides Winfield police officers with his license and registration.When the two policemen approach Samuel's car again, they offer a different reason for the traffic stop."Hey Mr. Samuel, what caught my attention was this vegetation stuff right here," one of them says, pulling something from the seal of the car's driver's-side window. 693

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