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William Nordhaus and Paul Romer were awarded the 2018 Nobel Prize in economics on Monday for their work on climate change and innovation.Story is developing... 172

While not as many Americans are expected to travel for Thanksgiving as usual, 56% of Americans are intending on traveling according to data from Tripadvisor. Tripadvisor says that this year's figures are down from an estimated 70% of Americans travelling in 2019.Tripadvisor surveyed Americans from October 16 to 20, so it is possible increased travel restrictions associated with a rise in cases could scare off some from traveling by Thanksgiving. Many states are telling travelers to quarantine for two weeks before coming into contact with others. The vast majority of those traveling, 76%, say they will drive to their Thanksgiving destination, compared to just 11% who say they will fly.The survey found that 22% are staying in a hotel or vacation rental to practice social distancing from friends and family."Despite COVID-19 concerns, the majority of Americans are still traveling this Thanksgiving. The way in which consumers travel, however, will look very different from past years," said Christopher Hsi, Consumer Market Research Lead Analyst for Tripadvisor. "This year, we can expect shorter trips with smaller groups of people for more intimate, close knit gatherings. Many are taking day trips (24%) or spending one night at their destination. Americans are also continuing to avoid big cities, instead opting for warm weather and beach destinations in southern states. We do see, however, that Boomers are less likely to travel this year compared to last (29% vs. 51%)."Whether Americans can safely travel for the holidays remains up for debate, as many public health experts warn that informal gatherings have contributed to the spread of the virus, which has been killing roughly 1,000 Americans per day in recent days.“Unfortunately, the COVID-19 epidemic is worsening, and small household gatherings are an important contributor to the rise in COVID-19 cases,” the CDC said.The CDC issued guidance for holiday gatherings. Part of the recommendations say masks should be worn at holiday gatherings involving people who are not from the same household, and that guests stay 6 feet apart. The CDC also advises against handshakes and hugs.One public health expert says following these guidelines is dependent on your risk tolerance.“I am very risk tolerant,” Dr. Amesh A. Adalja, a senior scholar at the Johns Hopkins Center for Health Security, said in August. “I am an infectious disease physician. I have taken care of people with the coronavirus. Both of my parents are physicians. I don’t take any special precautious with my parents. I don’t think they take any special precautious with me.“I think physicians might be risk tolerant, but I have not changed my behaviors with people I see regularly, other than if they’re telling me they have a fever, and then I might say ‘stay away’ because I don’t want to be quarantined and not be able to work.”Adalja agrees, however, that there is a risk in attending family gatherings, and while face coverings are effective, they're not a panacea.If you ask Dr. Christopher Murray, the director of the Institute for Health Metrics and Evaluation at the University of Washington, he is opting not to see extended relatives amid the pandemic.“Personally, in our family, we will not have our family get together,” Murrays said about Thanksgiving. “I am particularly cautious. That would be our strategy. Certainly, we have avoided, on a personal level, we have avoided any indoor exposure to friends or family and have restricted any exposure at all to outdoor interaction where we can maintain 6 feet or more.” 3579

When it comes to voting, laws, deadlines and Election Day minutiae vary state-by-state, and there's some important things to know before you head to the polls.Here's a rundown of some important questions (and answers) for voters. 237

When United Flight 93 crashed in Shanksville, PA, on Sept. 11, 2001, John Gerula was one of the first on the scene as a volunteer firefighter. The experience inspired John, still in high school, to enlist in the Marines. He shipped out to Iraq two years later, and today he bears the invisible wounds of war.Over the course of 18 months in Fallujah and Operation Phantom Fury, Gerula survived 21 improvised explosive device blasts, resulting in a severe traumatic brain injury that gave him migraines and memory loss, and post-traumatic stress that left him anxious, isolated and abusing alcohol.“I would spend a lot of time by myself at home on my property, just away from people,” Gerula says. “I didn't like large crowds, just the things that brought me back to what caused my issues, the flashbacks and everything.”That all changed this summer when Oliver, Gerula’s service dog, came into his life.”He can sense when I start to breathe heavy, when my heart rate's high, things of that nature, he comes up to me allows me to pet him,” Gerula says. “Since I’ve had Oliver, I’ve not had a drop of alcohol. I gave up drinking altogether. So he has made huge changes in my life.”Gerula and Oliver are among the first four pairs of veterans and service dogs to graduate from American Humane’s “Shelter to Service” program, created to combat the staggering statistics of 20 veterans committing suicide daily due to PTSD and TBI, and the 670,000 dogs euthanized every year in America’s animal shelters.“We saw a great opportunity to uplift the healing power of the human-animal bond by taking incredible dogs who were abandoned, who needed a second chance at life, giving them unbelievable, rigorous training, and then matching them with our veterans, allowing these veterans a chance for healing, hope, compassion, and love,” says American Humane’s President and CEO Robin Ganzert.Ganzert’s organization is currently training its second “Shelter to Service” class while advocating for a bill on Capitol Hill to establish national training standards and speed up the service dog waitlist, which currently runs from 18 to 24 months.And Gerula has a message to veterans seeking the help with their own struggles.“Don't give up,” he says. “The best thing to do is to keep going and just go do every option you can.” 2346

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