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The average Thanksgiving feast for a family of 10 is expected to cost less in 2020 despite a surge in meat prices. The America Farm Bureau Foundation says that the average feast for 10 will cost .90, which is .01 less than in 2019.While other types of meat are more expensive this year, according to USDA data, turkey prices have dropped. A 16-pound turkey is expected to cost .39, which is down 7% from a year ago. Conversely, meat prices in general have jumped more than 6% from October 2019 through October 2020.“The average cost of this year’s Thanksgiving dinner is the lowest since 2010,” said AFBF Chief Economist Dr. John Newton. “Pricing whole turkeys as ‘loss leaders’ to entice shoppers and move product is a strategy we’re seeing retailers use that’s increasingly common the closer we get to the holiday.”Whipped cream and sweet potatoes have also seen a modest decrease in cost over the last year.The data was compiled from 230 pricing surveys spread across all 50 states. 1001

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

The ACT, the standardized test used for college admissions, has a backlog of scores that still have not gone out to students, and it is causing some to miss out on applying to schools and scholarships.“There’s a lot of anxiety riding on it,” said Sarah Horner, whose daughter, Riley, who hopes to go to the University of Illinois next year. “I’ve watched her get all excited to take [the ACT], and [now] she’s just done, and that’s how a lot of the kids are.”As a senior in high school, Horner is waiting on scores from her ACT, a test she was scheduled to take in April but was not able to until June.“It’s been very tough watching her struggle,” said Horner “And it’s not just me. There are parents all over the United States that are just as upset about this.”Once COVID hit, ACT tests were canceled and rescheduled for the summer. At the same time, the ACT had scheduled to launch a new website feature that overloaded its system and caused it to crash.For parents and students who typically receive scores within two to three weeks of the test, it left them scrambling to find recourse.“It’s devastating. Yes, it is honestly devastating,” said Cecilia Walker, whose son, Seth, was supposed to take the test in March but was rescheduled for July.“It’s pretty much universal,” Seth Walker said. “All of my friends are having the same issues of getting hung up on by the ACT.”Walker is confident he will get into Auburn University. What he is not confident about is the ,000 per year scholarship he is applying for since he hasn't received his ACT score.“It’s the difference between a ,000 a year scholarship and nothing,” said Cecilia Walker. “[For] parents that have been planning that, all of that has been pulled out within a year of your student going to college.”In an email, the ACT said, "We know this has been extremely frustrating for parents and students. For weeks, we’ve been working non-stop to improve the experience of engaging with ACT, and we’ll continue to do so to ensure students have every opportunity to achieve success.”It added it will continue to roll out scores through August 31. 2123

The beloved 1990 classic "The Witches" gets a star-studded and charming rebirth on HBO Max, which adds diversity that the original movie lacked.Jahzir Kadeem Bruno plays an orphaned child who uncovers a secret society of witches who specialize in tormenting kids -- either eating them or transforming them into animals. Consistently funny and loaded with cheeky dialogue and stunning visuals, the film nails a storybook feel, and will no doubt cast a spell over families looking for something new to watch together amid the pandemic.A turbo mode Anne Hathaway guzzles an overacting potion for her role as the Grand High Witch, which is exactly the right approach. Allowing no restraint or nuance to taint her performance, she relishes her character's cartoonishly evil ways and commands every scene.Octavia Spencer serves as the emotional core as Agatha, a tough love-dealing, home remedy-loving grandmother. Stanley Tucci and Kristin Chenoweth cut it up in supporting roles, and Chris Rock serves as the disarming narrator.Remaking a beloved 1990 family film is a task lined with pitfalls, but director Robert Zemeckis uses the skills he developed in the likes of "Back to the Future," "Forrest Gump" and "Cast Away" to tiptoe the fine line between reinvention and paying tribute to the classic. In some ways, he stays truer to the 1983 Roald Dahl book than the original film, while taking enough creative license to make the story his own.While there's no budging the original out of the hearts and minds of those who grew up with it, this new version of "The Witches" is a skilled, welcome change-up that is as well built to last as its predecessor. RATING: 3 stars out of 4.Phil Villarreal TwitterPhil Villarreal FacebookPhil Villarreal Amazon Author PagePhil Villarreal Rotten Tomatoes 1798

The Barron County Sheriff said the possible sighting of a missing and endangered Wisconsin teen in Miami, Florida doesn't appear to be credible. An AMBER Alert was issued Monday afternoon for 13-year-old Jayme Closs after her parents were found dead in their home. Gas station surveillance video from Miami shows the girl a witness thought to be Jayme. The FBI has yet to confirm it was. Barron County Sheriff Chris Fitzgerald indicated Tuesday it isn't credible. A witness claims to have seen Jayme inside this black SUV with Wisconsin plates Monday afternoon at a Miami gas station. That's 1,700 miles away from where Jayme's last confirmed sighting Sunday afternoon in her hometown. Surveillance video briefly shows a teenage girl sitting in the front passenger seat as the driver pulled up to a gas pump. She doesn't appear to be restrained at the time. Moments before, a man got out of that same vehicle and walked up to another SUV and a truck to talk with others. Miami police shared the possible sighting via social media on Monday night. "We are actively researching that tip," said Fitzgerald. Fitzgerald appeared frustrated at news conference Tuesday that Miami police released information about a possible tip. "Every tip continues to be followed up on and if it's something we need to get out to you, you will get that information and it will come directly from me out to you," Fitzgerald said. Authorities were first alerted to Jayme's disappearance early Monday morning when a 911 call led sheriff's deputies to her home in Barron. Jayme's parents were found shot to death. Fitzgerald is asking Barron County residents to keep an eye out for others acting out of character. He said they've questioned a lot of people while following up on tips, however Jayme is still believed to be missing and in danger. 1883