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When Brooke Harrison picked up her backpack Sunday during orientation day at Marjory Stoneman Douglas High School, there were two things different about it. A blue name tag made out of tape and a bullet hole near the bottom. FULL COVERAGE: Parkland school shooting“(The bullet) could have gone through my backpack, but I’m pretty sure it just grazed it or slightly passed it. The fact that my backpack was so close to me is really mind blowing,” Brooke said.It was left in her freshman classroom where five classmates were shot. Three of them died: Alyssa Alhadeff, Alex Schachter and Alaina Petty. Seventeen people died in total. “We know how lucky we are,” said Brooke’s mom, Denise Harrison. “From the stories we already heard in the classroom, we go pick up the backpack we saw this. Everyday, we’re saying to ourselves, we’re so lucky.”On Wednesday, Brooke and the student body return to campus.“It’s going to be sad because I’m going to remember the fact that three of my classmates won’t be able to go back to school and that three of them won’t be able to see their friends and see that everyone is okay,” Brooke said. Her parents aren’t worried about Wednesday or the next day. They know security will be tight when they return, but beyond that there's uncertainty.“One of the greater concerns that we have is, what happens next?” said Robert Harrison, Brooke’s dad. “When the news cycle ended and six months have gone by, what actions will have been taken to ensure this doesn’t ever happen again? At this school or any other.” For starters, they want more armed school resource officers and a review of code red protocol. “To give ourselves as parents, to give us the ability to know when you drop your kid off, they’re going to be safe,” Harrison said. On top of the friends they lost, they lost their innocence. Every hug and every “I love you” means more now. “Time just feels more precious now. It feels like we have to reaffirm that. I know they love me, and I know I love them, but it feels like we need to say it more now,” Brooke said. Brooke’s parents have been through tragedy before. They lived just two blocks away from the World Trade Center during the 9/11 attack. 2277

With coronavirus cases spreading among White House staff, the Commission on Presidential Debates confirmed Monday evening that a Plexiglas partition will be used on stage during Wednesday’s vice presidential debate.Peter Eyre, a senior adviser to the debate commission, said that the candidates will be seated 12 feet, 3 inches apart, and that there will be no handshakes allowed on stage between the candidates or moderator.Eyre added that the candidates, Vice President Mike Pence and Senator Kamala Harris, will be tested for the coronavirus before the debate. For the previous debate, the candidates were responsible for their own coronavirus testing.Only the candidates and moderator will be allowed to not wear a mask during the debate, also a change from last week’s presidential debate. During last week’s presidential debate, members of President Donald Trump’s entourage took off their masks during the debate.Eyre said that a small number of ticketed guests will be allowed into the debate hall in Utah.“If anyone does not wear a mask, they will be escorted out,” Eyre confirmed.Plexiglas was also used in last Saturday's US Senate debate between Republican Lindsey Graham and Democrat Jamie Garrison. A Pence aide said a divider was "not needed."“If she wants it, she’s more than welcome to surround herself with plexiglass if that makes her feel more comfortable,” Marc Short, the vice president’s chief of staff, told the Washington Post. “It’s not needed.” 1479

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

What if there was a way to make money, while saving money?An app called Grand claims to do just that, motivating people to save by entering them into a sweepstakes.How does it work?You'll need to link up your bank account to the app.Then, you’ll designate how much money you want to set aside each week.Each dollar gives you an entry into a sweepstakes; you get extra entries if you refer friends or reach certain milestones, like paying off debt.The prize money varies. You could win a prize, or you could win up to ,000. If you wait until October, you could win ,000!But even if you don't win, you are still making some money off your savings.Grand guarantees users a 1% return on their savings.You will, however, need to pay /month to keep your account.So if you do all the math, that means you'll need to keep about ,100 in your account to make it count.If you feel hesitant about linking up your bank account to an app, just know that the app is FDIC insured. 984

WEST PALM BEACH, Fla. (AP) — Unemployment benefits for millions of Americans are set to lapse at midnight unless President Donald Trump signs an end-of-year COVID relief and spending bill that had been considered a done deal before his objections. He is demanding larger COVID relief checks for Americans and complaining about "pork" spending. But Congress has already passed the package by large margins in both houses. Failing to sign it will mean pain for those struggling to make ends meet and a potential federal government shutdown in the middle of a global pandemic. 581

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