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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

While Congress takes its time, major brands are stepping up to help small businesses.“That grant helped us tremendously to kind of keep everybody, give everybody a level of comfort that the company was on a solid financial footing, at least for a couple of months,” said Rohan Freeman, owner of 7 Summits Construction.Freeman owns a small construction company in Hartford, Connecticut, which received a ,000 dollar grant from Lowe’s that kept them from having to lay people off.Monday, Lowe’s opened its grant application process for small businesses, again. It runs through Sunday. Lowe’s says it will give million in grants.“We're seeing the impact that, you know, us having the ability to stay afloat and stay in business, having the community and now some of our nonprofits and some of our smaller clients are moving forward with their projects,” said Freeman.“As soon as we get to 2021, the pandemic doesn't go away and small businesses don't pick up from where they left. We need to continue to support them and ensure their future viability online,” said Liz Austin with eBay.eBay has helped small businesses during the pandemic by giving another 0,000 to 50 small businesses in grants.You can apply for a grant from eBay through December 11. Click here to learn more.eBay is also featuring small businesses on their holiday marketplace Pinterest and Instagram accounts. 1395

Wisconsin Gov. Tony Evers and the Department of Health Services issued a new order Tuesday limiting the capacity of bars, restaurants and stores in the state to 25% on Tuesday, as Wisconsin becomes a hot spot for COVID-19 in the U.S.Evers directed DHS Secretary-Designee Andrea Palm to issue the order Tuesday afternoon.The order is capping capacity to 25% in public spaces beginning on Thursday. Gatherings in indoor spaces without an occupancy limit are limited to 10 people."We're seeing increased COVID-19 hospitalizations across the state, and every region is reporting current and imminent hospital staffing shortages in one or more of their facilities," Palm said.Wisconsin has become a hot spot for coronavirus cases in the country after schools reopened this fall. The state has tallied record numbers of cases, hospitalizations and deaths in recent days. Areas that have been hit particularly hard include the state's two largest cities — Milwaukee and Madison — as well as smaller cities like Fox Valley, Green Bay and Wausau.The governor's top attorney, Ryan Nilsestuen, says he's confident the restrictions will withstand legal challenges from the GOP-controlled legislature. Evers' "Safer at Home: order issued last March was eventually blocked by the Wisconsin Supreme Court, after the legislature raised objections with a potential overreach of authority by the health department and the governor's office.“At the end of the day, doing orders and having them challenged in court maybe makes for great theater,” Evers said during a press conference Tuesday. “But it frankly does nothing in making sure people are safer in the state of Wisconsin.”The order goes into effect at 8 a.m. local time on Thursday and will remain in effect until Nov. 6. Violators could face forfeitures of up to 0, according to the governor.The order does not apply to outdoor spaces.The DHS tallied 2,020 new cases on Tuesday and 18 new deaths caused by complications from the coronavirus. Wisconsin has recorded 136,379 confirmed cases and 1,399 deaths since the pandemic began.“We’re in a crisis right now and need to immediately change our behavior to save lives,” Evers said in a statement. “We are continuing to experience a surge in cases and many of our hospitals are overwhelmed, and I believe limiting indoor public gatherings will help slow the spread of this virus. Folks, we need your help and we need all Wisconsinites to work together during this difficult time. The sooner we get control of this virus, the sooner our economy, communities, and state can bounce back.”Criticism to the news was swift. State Rep. Shae Sortwell, R-Two Rivers, went after the new orders in a Facebook video."Apparently he’s bound to determine to just completely destroy the hospitality industry in the state of Wisconsin because that’s what he’s looking to do here," Sortwell said.The Wisconsin Manufacturers & Commerce issued a statement in response to the new order."Unfortunately, Gov. Evers’ order will cause even more harm to already-suffering businesses while failing to actually slow the spread of COVID-19 in Wisconsin," the business association said in a statement.The Metropolitan Milwaukee Association of Commerce also released a statement following the new orders."The measures introduced today by Governor Evers are well-intentioned, but are a blunt instrument that knocks down too many business establishments in metro Milwaukee that have gone to great lengths to develop comprehensive operational safety plans and have had them approved by the Milwaukee Public Health Department," the association said.Read the full order below:FULL ORDER.pdf by TODAY'S TMJ4Read the full FAQ below:FAQs.pdf by TODAY'S TMJ4"The Society supports the Department of Health Services’ action to temporarily limit indoor public gatherings because the state simply must halt its current trajectory," the society said. "We want to continue being the state leading the country in high-quality health care, not having one of the highest COVID-19 infection rates in the country.”You can read their full statement below.This story was originally published by Mayra Monroy and Jackson Danbeck on WTMJ in Milwaukee. 4200

When Missy Owen heard that the non-profit National Safety Council was putting together a memorial for opioid victims called "Prescribed to Death" and was, in effect, looking for personal stories to help put a human face on the crisis, she was excited. “I was like, 'oh yes, this is a great idea,'” Owen said, “This is an awesome project, yes I’ll do that!”The project would be another way to try and keep the memory of her son Davis alive. Not only that, but it could potentially help make an impact on others in the hopes of one day ending the epidemic that takes 22,000 lives a year.“I knew that it would help other people,” she said.But months went by.“I procrastinated, and I procrastinated," she said.Owen said bringing herself to fill out the paperwork — to spell out, in detail, the pain she suffered when she lost her 20-year-old son, an honor student and class president — was so painful that she waited until the very last day the organization would accept submissions.But in the end, she said she knew this memorial would be something people would remember.“You look at all this, and you go up to it, and you see it, and you see those faces so close,” she said.With this exhibit, being close is the only way to experience it because it consists of 22,000 pills, one for each opioid death that occurs in the U.S. each year.Owen said when she sees the enormity of it, she thinks of 22,000 families that learned to “live differently,” as she had to.“(These families) learned their new normal, and learned to live without someone that they loved and cared for deeply,” she said.But there’s one more layer to the exhibit — each of the 22,000 pills has a likeness carved into it by a 3D printer. The faces are modeled after actual victims of the crisis. Among the 22,000 pills is Davis Owen.“I haven’t found him,” Missy Owen said, staring closely at the rows and columns of tiny white pills. “But I know he’s here.”Owen has seen it several times now. But it’s still an emotional experience. She recalls how Davis fell down the path of addiction.Davis was gifted, Missy said, but his brain had trouble “shutting off.” He had trouble sleeping when he was stressed, and one night he took a seemingly innocuous trip to the family medicine cabinet. “I’m supposing he was looking for something like Advil PM or Tylenol PM, something like that,” she said.He grabbed an old, leftover Vicodin prescription that Missy estimates may have had 30 pills in it. Its label: ‘May cause drowsiness.’“And he was one of those one in 10 people that have that euphoric experience when taking an opioid medication. And he continued to use that bottle until it was gone. By that time he was completely addicted,” she said.It soon turned into a need for the recreational opioid heroin, and that, in turn, led to his overdose in 2014.She and her family have since started the Davis Direction Foundation and The Zone, which helps former addicts to stay sober, to stay “in the zone,” as she put it.One of the hardest aspects for Missy Owen come to terms with is that his death, and those of so many others whose faces are now etched onto that wall, was preventable.“Davis’s story is so sad,” Owen said, “and so awful.”“But it’s not uncommon,” she said.She said she hopes the memorial can help to humanize the epidemic for people who haven’t had to suffer the loss of a loved one, in the hopes that we can stem the epidemic.Maureen Vogel, spokesperson for the National Safety Council, said people have walked away visibly moved.“(People say) ‘it’s encouraging me to change. It's encouraging me to talk to my doctor,’ and ‘it's encouraging me to talk to my own family,'” Vogel said.The exhibit premiered in Chicago late last year, and it goes on display outside the White House this month. Vogel says 14 other cities have expressed interest in hosting the memorial so far. “Data only tells part of the story,” Vogel said. “You have to put a face on the statistic for people to really relate to it,” she said.Missy Owen said she hopes this year is the year the epidemic turns a corner.“We are losing a whole generation of people. It has to be a turning point," she said.  4228

With California hospitals dealing with an extreme number of patients, nurses are terrified of what’s next.It comes as California hits 2 million infections just 44 days after reaching 1 million. Hospitals in California have been pushed to the brink, and it’s expected to get worse as people travel and gather for Christmas and New Year’s.The state is urgently searching for 3,000 temporary medical workers to meet the demand, focusing on nurses trained in critical care. Hospitals are also confronting the shortage by trying to free up staff any way they can, including postponing certain medical procedures.The state has also temporarily loosened some restrictions. Typically, California requires one nurse for every two ICU patients. Regulators have temporarily relaxed that requirement to one nurse for every three ICU patients.The state has sent more than 600 temporary healthcare workers to hard-hit counties from the National Guard, the California Health Corps, and other partnerships, but officials are still looking for more.State officials have even started reaching out to other countries like Australia and Taiwan to get much-needed medical workers.Elected leaders and health officials across the U.S. are asking people to stay home for the holidays while also trying to show the public that the COVID-19 vaccines trickling out to health care workers and nursing home residents are safe.The Associated Press contributed to this report. 1453