济南包皮太长影响性生活(济南主治阳痿中药) (今日更新中)

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

Who would be willing to pay upward of 0 for Payless shoes?Hoodwinked social media influencers, that's who.Payless, a brand known for budget-friendly shoes, opened a fake pop-up store called "Palessi" in a Los Angeles mall and invited influencers to the grand opening. The store was stocked with Payless shoes in disguise."I would pay 0 or 0," a woman says in a TV ad, holding a pair of .99 sneakers. Another shopper calls the Payless shoes "elegant and sophisticated." 488

West Virginia public school teachers will strike for an eighth day Monday because the state legislature didn't meet their demand for higher pay and better benefits over the weekend.All 55 counties announced school closures for Monday. About 20,000 teachers walked out February 22, keeping almost 277,000 students out of class.Union leaders say the teachers won't return to work until they get a 5% raise.The pay raise remains in legislative limbo. At the state capitol in Charleston, a conference committee has been appointed?to resolve the differences between the state Senate and House.It's not known when the committee will meet, so it's possible the strike could stretch out for days.The waiting frustrates parents, students and union leaders, who've marched and crowded the state capitol for legislative hearings."We're playing with people's emotions, their livelihoods and it directly affects our students," said Christine Campbell of the American Federation of Teachers. "This is unprecedented. It's confusing and I think (teachers are) disheartened by the process."West Virginia public teachers earn?an average salary of about ,000, making them among the lowest paid educators in the United States.Gov. Jim Justice and the union leaders agreed earlier in the week that teachers and service personnel would receive a 5% pay raise.However, that raise must be passed as a law, since West Virginia is not a collective bargaining state.The bill quickly passed in the House Wednesday, but Senate lawmakers expressed concern about how the state will fund the raise.Democrats say new revenue projections show the money is there and that a difference of one percent would amount to million.On Saturday, after hours of passionate argument and discussion by lawmakers, the state Senate passed a version of the bill that provides a 4% raise.The House voted not to adopt the 4% version of the bill. With no agreement between the chambers, the conference committee was created.Three members from the House and three from the Senate -- two Republicans and one Democrat -- were selected. The group will have three days to come to a decision about the bill.A brief period of confusion occurred Saturday night after the Senate believed it had voted for the 4% raise. But a House version of the bill, which favored the higher pay raise, had somehow been entered into the Senate voting system and was approved by unsuspecting Senate members. When the error was discovered, the Senate corrected the mistake and re-voted for the lower pay raise.Elizabeth Yost, a teacher from Mercer County, said she was not discouraged by the votes in the legislature."When the events unfolded from there, it was evident we have a representative government in the Senate that abused power last night," she said. "Today, my determination, and that of my colleagues, is stronger." 2868

Will be going to Georgia for a big Trump Rally in support of our two great Republican Senators, David and Kelly. They are fantastic people who love their Country and love their State. We must work hard and be sure they win. #USA— Donald J. Trump (@realDonaldTrump) December 2, 2020 289

White House officials and House Democrats said Friday they’re no closer to a deal with on a stimulus package, a week after extended unemployment benefits expired.While the White House said they believe a compromise can be made on some issues, the two sides remain far apart on funding state and local governments. Many states and municipalities are struggling due to decreased revenues and increased costs amid the pandemic.There is also disagreement among the parties, including Senate Republicans, on unemployment supplements as unemployment figures remain over 10%. From April into July, unemployed workers received an additional 0 unemployment supplement on top of standard unemployment benefits. But many Republicans grumbled that the supplement gave incentive for workers to stay home amid the pandemic.Generally, however, if an employer calls an employee back to work, they're no longer eligible for unemployment benefits.Treasury Secretary Steven Mnuchin told reporters on Capitol Hill Friday that he is going to recommend executive orders addressing student loan payments, evictions and unemployment supplements. Currently, federal student loan payments are frozen into October. Also, protection ended last week on evictions.President Donald Trump told reporters late Friday that he plans on signing the order "by the end of the week." But Trump said he expects there will be legal challenges to his order. Mnuchin and White House Chief of Staff Mark Meadows said that there is broad agreement on some issues, such as funding for schools to safely operate amid the pandemic. Previously, the sides also said there is agreement on providing Americans with ,200 stimulus checks for the second time this year. But Mnuchin and Meadows pointed the finger at House Democrats for not compromising on the unresolved issues.“Just to hear the comments from Senator Schumer and Speaker Pelosi saying they “want a deal” when behind closed doors, their actions do not indicate the same thing,” Meadows said.Meanwhile, Democrats pointed the finger back at the White House for not reaching a compromise.While the White House suggested that it would be okay with a partial stimulus package, Democrats are calling for a more comprehensive bill.“We’re asking them to be fair, to meet us in the middle, not to have a my way or the highway attitude, which they seem to have,” Senate Minority Leader Chuck Schumer said. “We can really get this done, because there are some areas where we didn’t come to an agreement on many things, but we narrowed our differences.”Both the House and Senate have adjourned for the weekend. 2622

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