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White House looking at stricter travel banThe Trump administration is considering a new travel ban to replace its original executive order, which has had its legality questioned and is up for a Supreme Court hearing next month, White House national security adviser H.R. McMaster said Sunday.READ MORE 315
When a Minnesota teacher learned that her school's custodian was in dire need of a new kidney, she didn't hesitate to step up to the plate.According to the Minneapolis Star Tribune and CNN, teacher Erin Durga and custodian Part Mertens have been co-workers at Kimball Elementary School in Kimball, Minnesota, for nine years.The two were well acquainted — they often exchanged pleasantries in the hall, and Durga's children attended a daycare ran by Merten's wife.Recently, Mertens had been leaving school early three days a week to attend dialysis treatments. Earlier this year, the school organized a "Hats for Pat" fundraiser to help pay for his treatments. But school officials didn't realize how dire Mertens' situation was until his daughter posted a plea for help on Facebook.According to Mertens' daughter, Kayla Matten, none of her fathers' relatives was a match for a kidney transplant."We are now in the process of trying to find someone with an O blood type and someone who is willing to donate their kidney," she wrote, according to CNN.When Durga saw the post, she didn't hesitate. She knew she wanted to donate her kidney to a co-worker in need."Why wouldn't you [do it]?" she told the Star Tribune.In late spring, Durga and Mertens found out they were a match."It brought a few tears to my eyes," Mertens told the Star Tribune. "I'm not much for expressing myself."Despite the COVID-19 pandemic, the two underwent the transplant surgery on July 3. Months later, Mertens is doing well, and the Star Tribune reports that he is no longer "tethered" to dialysis treatments."I can live again," Mertens told the Star Tribune. 1642
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 Christina and Tarek El Moussa announced in late 2016 they were ending their marriage after seven years, fans worried it would mean an end to their wildly popular HGTV series, "Flip or Flop."The series continued, even as the couple divorced, but news that Christina was branching out with a new show again stirred concerns that "Flip or Flop" would soon end.Well, worry no more: Christina announced Wednesday that the show is definitely still on."We're baaacckkk!!! #FlipOrFlop was just picked up by @hgtv for 15 new episodes!!" read the caption on a video she posted of her and her ex on Instagram. "Look for Season 8 to premiere in Spring 2019."The pair, who have a young son and daughter, released a statement at the time of their split."Like many couples, we have had challenges in our marriage," they said. "We had an unfortunate misunderstanding about six months ago and the police were called to our house in an abundance of caution. There was no violence and no charges were filed."They also said they were planning to focus on their children and continue to work together.HGTV execs said they were fully supportive of however the former couple planned to handle it."When it comes to matters related to their own family, we respect their privacy and honor any decision that works best for them and their children," the network said in a statement provided to CNN. "HGTV is currently airing episodes of 'Flip or Flop' and the series will continue production as scheduled."In the video posted Wednesday, Tarek El Moussa sounded just as stoked as his ex-wife that the eighth season was happening."I know we've been around for a really, really long time, but we are back," he said. "We're ready to flip some houses!" 1732
Wisconsin and Pennsylvania, two of the most important states in this year’s presidential election, are still waiting on a large number of ballots, and voters are running out of time to return them to election officials.As of Friday morning, election officials in Wisconsin were still awaiting 200,000 mail-in ballots, which must be received by Tuesday evening in order to be counted in this year’s presidential election.By comparison, the presidential race in election was decided by 23,000 votes in 2016.Earlier this week, the Supreme Court denied Democrats who asked for ballots that are postmarked on time but not received by Election Night to be counted. Election officials in Wisconsin say that mail delivery could take up to one week, so for those who have yet to return a ballot, they should do so at a county clerk’s office.“The absentee by mail deadlines in law don’t correspond with the amount of time it may take to receive and return your ballot by mail,” said Meagan Wolfe, administrator for the Wisconsin Elections Commission. “That is why the Wisconsin Elections Commission since the start of the pandemic earlier this year has been urging voters who wish to vote absentee by mail to request them as soon as possible.”In Pennsylvania, the state has mailed out 3 million ballots to voters, said Secretary of State Kathy Boockvar. Of the 3 million, some 27% were yet to be returned. Boockvar is recommending voters in Pennsylvania utilize drop boxes throughout the state in order to have their vote tabulated.The Pennsylvania Supreme Court extended the deadline for the state to receive ballots to November 6. Republicans appealed to the US Supreme Court, but the high court refused to overturn the state ruling.There are also questions about how long it will take in Pennsylvania to tabulate mail-in votes. Boockvar is urging counties to begin counting on the morning of Election Day, which is the earliest by law officials can begin counting."We are directly reaching out to the counties to explain why it matters to get started with pre-canvassing on Election Day, even if they can only do part of it," Boockvar said. "The overwhelming majority of counties are already planning to start pre-canvassing mail ballots the moment they can. I urge those few counties thinking about waiting until after the election to reconsider." 2349