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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

When Dr. Harold Bornstein described in hyperbolic prose then-candidate Donald Trump's health in 2015, the language he used was eerily similar to the style preferred by his patient.It turns out the patient himself wrote it, according to Bornstein."He dictated that whole letter. I didn't write that letter," Bornstein told CNN on Tuesday. "I just made it up as I went along."The admission is an about face from his answer more than two years when the letter was released and answers one of the lingering questions about the last presidential election. The letter thrust the eccentric Bornstein, with his shoulder-length hair and round eyeglasses, into public view."His physical strength and stamina are extraordinary," he crowed in the letter, which was released by Trump's campaign in December 2015. "If elected, Mr. Trump, I can state unequivocally, will be the healthiest individual ever elected to the presidency."The missive didn't offer much medical evidence for those claims beyond citing a blood pressure of 110/65, described by Bornstein as "astonishingly excellent." It claimed Trump had lost 15 pounds over the preceding year. And it described his cardiovascular health as "excellent."The White House didn't respond to a request for comment about Bornstein's claim.Later, as questions mounted over the health both of Trump and his rival Hillary Clinton, Bornstein offered a more businesslike assessment, listing things such as Trump's height, weight and prescription medications.He later told CNN's Drew Griffin he'd dashed off the first letter as he was seeing patients."I was just rushed for time," he said in September 2016. "I had people to see."He insisted then that the words were his own."Did I really write that letter? Yeah," he said.Now, as Bornstein re-enters the spotlight claiming Trump's ex-bodyguard Keith Schiller robbed his office when Schiller retrieved Trump's medical records, the story behind the letter is becoming clearer."That's black humor, that letter. That's my sense of humor," he said. "It's like the movie 'Fargo': It takes the truth and moves it in a different direction."He said Trump read out the language as Bornstein and his wife were driving across Central Park."(Trump) dictated the letter and I would tell him what he couldn't put in there," he said. "They came to pick up their letter at 4 o'clock or something." 2369

When we were made aware of Nick Cannon’s interview with Richard Griffin on YouTube, we immediately began a dialogue with Nick. He is clear and remorseful that his words were wrong and lacked both understanding and context, and inadvertently promoted hate.— FOX (@FOXTV) July 16, 2020 291

When you enter the building at Daybreak Senior Services, pictures of blushing brides and anxious grooms greet you.“This is such a historic place,” said Scott Rasmussen, as he looked at the dozens of pictures lining the walls.Although the fashion trends may have faded, the memories have not.For 50 years, the building was a reception hall. It was a place of celebration, a symbol of new life beginning. Now, it’s a home base for those not ready to give up on life.“It’s a gap that needs to be filled and that’s why we’re here,” said Rasmussen, who is the program director at Daybreak Senior Services.Some days, that means joining a rousing game of indoor badminton or laying down the law playing some board games.Instead of wedding gowns, everyone now wears masks. Though you can’t see the smiles, you know they’re under there."One of our participants loves coming here and she calls it, ‘the club,’” Rasmussen said. “She tells everyone that she wants to go to the club, and I think it’s because we’re doing cool stuff.”Sure, they are doing cool stuff, but the biggest goal for Rasmussen is to help seniors from feeling isolated and alone."It is a real thing,” Rasmussen said. "I’ve known seniors that get so depressed that they say they’d rather just be done than have to go through another week of this because it’s just too hard.”Rasmussen said there is a real need in our country to help seniors who aren’t quite ready for full-time assisted living but are not getting all they need at home."If you’re loved one is just staying home all the time, they’re missing out on a part of their life, where they'd still be growing even as an advanced age 65 to 105,” Rasmussen said. “We can always still be growing.”The adult day care partners with programs through the VA and Medicaid and participants can drop in whenever they want. Programs like this are available all over the country."We love all of our participants. We absolutely love them, and we love what we do here because it’s such a valuable thing,” Rasmussen said.COVID-19 may be affecting their numbers some, but Rasmussen says it’s even more reason for people to reach out to their loved ones and check-in.“You need to just ask those questions, because if you don’t ask you just have a feeling of despair and it just gets harder and harder and that makes it difficult on everyone,” Rasmussen said.There may not be a lot of dancing going on or tossing of bouquets but there is hope and commitment to keep on going. 2482

While negotiations continue between Megyn Kelly and NBC, the network announced on Friday that her 9 a.m. talk show has been canceled."Megyn Kelly Today is not returning," the network said in a statement. "Next week, the 9 a.m. hour will be hosted by other 'Today' co-anchors."Her exit from NBC News is not official yet. But it will be soon. It's a foregone conclusion among all the players involved, multiple sources said Thursday.Kelly's newly-hired attorney Bryan Freedman reacted to Friday's NBC announcement with a statement of his own."Megyn remains an employee of NBC News and discussions about next steps are continuing," Freedman said. 651