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The “chicken wars” may be heating up again in the fast-food industry.McDonald’s announced Tuesday that it will soon be introducing spicy chicken nuggets to its menu, an item popularized by competitor Wendy’s.McDonald’s says it will start offering both Spicy Chicken McNuggets and Mighty Hot Sauce in the United States starting on September 16.“Breaded with a sizzling tempura coating made of both cayenne and chili peppers, these craveable, dippable and downright-delicious Spicy Chicken McNuggets are joining our classic McNugget line up, and pack plenty of spice and flavor into each bite,” wrote McDonald’s in a press release.The spicy nuggets and sauce will only be available for a limited time and at participating restaurants.“This is the first time we’ve introduced a new flavor of our classic Chicken McNuggets in the U.S. since they came to menus in 1983,” said Vice President of Menu Innovation, Linda VanGosen.The fast-food chain says the Mighty Hot Sauce is its first new sauce since 2017 and it will be the hottest one available at its restaurants.“For those who care to dial up the heat, we’ve crafted our new Mighty Hot Sauce, boasting a powerful blend of crushed red peppers and spicy chilis,” said McDonald’s.Additionally, McDonald’s says it will start selling a new McFlurry made with Chips Ahoy!“This delicious treat features vanilla soft-serve, caramel topping and Chips Ahoy! cookie pieces blended throughout,” said McDonalds.The Chips Ahoy! McFlurry will also be available for a limited time starting Sept. 16, in snack and regular sizes. 1568

The 2020 hurricane season is already breaking records.Hurricane Isaias, which just passed through the Carolinas and the northeast, killing several people, was the season’s ninth named storm, making it the earliest in a year we have ever reached that number.It was also the fifth storm of the season to make landfall. It’s the fastest we’ve gotten to five land-falling storms since the old record set back in 1916."From a landfall perspective, this has already been a very, very active landfall season,” said Dr. Phil Klotzbach, from Colorado State University’s Tropical Weather and Climate Research Center.The group released its final predictions for the 2020 hurricane season on Wednesday, predicting above-average activity with 24 named storms and 12 hurricanes, five of them being major hurricanes of Category 3 strength or greater."Typically, we do one final update in early August to give you one final last best estimate to see what the season’s going to be like, and if we realized we really screwed things up until now, it’s one last shot at a mulligan,” Klotzbach explained.Before you say these records are just par for the course in 2020 there is a caveat. The 2020 season has not produced nearly the same amount of Accumulated Cyclone Energy, or ACE, as past years.For example, there were fewer named storms by this time in 2005, but the storms that did form in the Atlantic through the end of July of that year produced far more energy, including Hurricane Dennis, a Category 4, and Emily, a Category 5. That hurricane season went on to produce Hurricane Katrina, which battered New Orleans, and Hurricane Wilma, making it the worst hurricane season in recorded history.“Normally, a lot of storm activity in June and July doesn’t say much about how active the season is,” said Klotzbach.Klotzbach says the two big predictors of a hurricane season are ocean temperature in the deep tropics and wind shear, which is how wind direction changes at different levels of the atmosphere.This year, water in the Tropical Atlantic is the fourth warmest on record, meaning there is more fuel for hurricanes. July also had the second-lowest vertical wind sheer on record, meaning there is not much to cap a storm’s potential.It is why Klotzbach thinks once the peak of hurricane season arrives on August 20, we will have to make sure we are ready for whatever is thrown our way.“The primary reason why we’re forecasting such an active season isn’t as much the storm activity that we’ve already had, but the large-scale conditions we’ve observed during July and what we expect to see during the peak of the season,” said Klotzbach. 2638

Stores across the country are starting to advertise and display back-to-school sales. From electronics to clothes, the National Retail Federation is tracking buying trends as the new school year approaches."Parents may not know how their children are attending classes, whether it’s in-person or online, a mix, and that is certainly reflected in how people are shopping right now. So, when we did our study in early July most consumers did not know what they needed to buy yet," said Katherine Cullen, the Senior Director for Industry and Consumer Insights at the National Retail Federation. She says there's a lot of uncertainty surrounding the upcoming school year and most consumers are hesitant to buy back to school supplies right now, but many already have plans to spend more."For grade school and high school shoppers it is over 0 on average which is about 0 more than last year. So, some of that is definitely being driven by this current environment and it's shaping how people are planning to buy right now," said Cullen. Cullen says consumers will likely spend more than last year on school supplies and just as much on new clothes. She said there are some things kids need no matter where they learn. "Kids keep growing even if they're not going to school in person, they will likely still need some new items."But the big ticket items families will be spending money on is electronics. "We are certainly seeing that many families, over half, are expecting there will be at least some online learning component and as a result they're planning to make some extra purchases around that: laptops, computers, head phones and speakers are a big component of that," said Cullen.The National Retail Federation says grade school and high school shoppers plan to spend more on average on electronics. Amy Cunningham, a parent in South Carolina, says her family decided to purchase two laptops to help their children with online remote learning this fall. This past spring, the children shared their parents' computers. "Having to juggle the kids’ distance learning with what we were doing was hard so we knew if we were going to do it this year, which was our plan, that we were going to need to get additional laptops," said Cunningham. Cunningham says she likely won't need many other school supplies and doesn't anticipate needing to buy new clothes for the school year."I’d probably get notebooks and stuff like that just because we don’t have a lot of that sitting around. Clothes, no. They live in their play clothes at home now so there’s no point really," says Cunningham.As for how parents will be back-to-school shopping this year, for many, gone are the days of traditional in-store browsing. The National Retail Federation says 40% of families will only be back-to-school shopping online. 2827

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

Thanksgiving 2018 marks the 55 years since President John F. Kennedy was shot and killed while making a visit to Dallas, Texas.On November 22, 1963, President Kennedy, his wife Jackie, Texas Gov. John Connally and his wife, Nellie, rode in an open car down Dealey Plaza in downtown Dallas. At that point, Lee Harvey Oswald shot and killed Kennedy from the Texas School Book Depository building.Relive the events of the Kennedy assassination in the timeline below.Timeline (all times are Central Standard Time unless otherwise noted): 541