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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." 382
While Tuesday's election wasn't quite the "Blue Wave" that Democrats had hoped for, the Democratic Party won a majority of seats in the U.S. House once the new Congress is seated in January. Democrats needed to turn over at least 23 Republican seats for a total of 218 and the party claimed 222 on Tuesday night, according to numbers from CNN.Although Democrats will lose seats in the Senate, taking the House gives Democrats the ability to conduct investigations, which could pose issues for President Donald Trump pending the result of Special Counsel Robert Mueller's investigation. Ushering in a crop of new Democrats into the House, Alexandria Ocasio-Cortez, 29, will become the youngest woman in history to be elected to Congress. She upset New York Democratic Rep. Joe Crowley in the primary election earlier this year. Michigan Democrat Rashida Tlaib and Ilhan Omar, the Minnesota Democratic-Farmer-Labor Party's nominee, were elected on Tuesday as the first Muslim women in the House. Former Tennessee Titans linebacker Colin Allred, a Democrat in Dallas, defeated incumbent Pete Sessions to win his first time as a candidate. 1184
When you leave the big cities and head out to lesser populated areas of the United States, you realize President-elect Joe Biden may have won but President Donald Trump still enjoys plenty of support. "Since I was 18, I voted for Democrats, every time, but this year I voted for Trump," Scott Will, a new Trump voter in Westmoreland County, Pennsylvania, said. "My dad, he is a Joe Biden fan. He is calling me and teasing me about," Will said jokingly. While Trump is projected to lose the 2020 election, he did set voting records. Thus far, Trump has received more than 10 million more votes than four years ago. That is more votes than any American presidential candidate in history, except Biden. CHANGING REGIONS POLITICALLY While he lost the election, Trump did improve his margins in several key areas around the country. In Kenosha County, Wisconsin, Trump did 3% better. In Miami-Dade County, Florida, Trump did `12% better. And in Mahoning County, Ohio Trump actually flipped this county for the first time since Eisenhower. For perspective, this county, which includes Youngstown, Ohio, went for the Obama/Biden ticket in 2008 by 30 points. "The funny thing here is Trump stole the Democratic message. Can the Democrats steal it back?" Paul Sracic, a political scientist at Youngstown State University, said. Sracic said in defeat, Trump's legacy maybe forever changing politically places like Youngstown. Sracic said old trade deals, like NAFTA, were particularly toxic in this part of Ohio and voters rewarded Trump for getting rid of it and promising old jobs would come back. "Trump didn’t create these voters, they were waiting for Trump," Sracic said.WILL THESE VOTERS RESPECT BIDEN? At Thanos Restaurant in Mahoning County, Ohio, diners here know how Trump changed this area's politics. Ken Morrow eats here twice a day. In 2016, he voted for Bernie Sanders. In 2020 he voted for Trump. "For me, it's confusing," Morrow said, commenting on the election results and Trump's refusal to concede. His advice to Biden? "We need a lot of good paying jobs around here, everything is gone," Morrow said. Every Trump voter we spoke with said they would respect Biden come January 20th."I am very conservative," Jean Hasey said. "He’s going to be my president because I'm an American and a patriot," Hasey added. But she said -- uniting the country may be a tall task. "I think it’s going to be hard, very very hard," Hasey added. 2447
WINDSOR, N.C. — At least six people were killed as Tropical Storm Isaias spawned tornadoes and dumped rain Tuesday along the U.S. East Coast after making landfall as a hurricane in North Carolina, where it caused floods and fires that displaced dozens of people.Two people died when Isaias spun off a tornado that struck a North Carolina mobile home park. Another person died in Pennsylvania when their vehicle was overtaken by water and swept downstream. Two others were killed by falling trees toppled by the storm in Maryland and New York City, and a sixth person died in Delaware when a tree branch fell on them, authorities said.Isaias sustained top winds of up to 65 mph more than 18 hours after coming ashore, but it was down to 45 mph max winds as of 10:50 p.m. EDT Tuesday, according to the National Hurricane Center. The storm's center was about 45 miles southeast of Montreal, moving northeast into Canada at about 38 mph.As Isaias sped northward, flooding threats followed. The Schuylkill River in Philadelphia was projected to crest early Wednesday at 15.4 feet, its highest level in more than 150 years. By Tuesday night, the river had already topped its banks in low-lying Manayunk, turning bar-lined Main Street into a coffee-colored canal.Aerial video by WRAL-TV showed fields of debris where rescue workers in brightly colored shirts picked through splintered boards and other wreckage of the Windsor, North Carolina, mobile home park where two people were killed. Emergency responders searching the area Tuesday afternoon found no other casualties, and several people initially feared missing had all been accounted for, said Ron Wesson, chairman of the Bertie County Board of Commissioners. He said about 12 people were hospitalized.“It doesn’t look real; it looks like something on TV. Nothing is there,” Bertie County Sheriff John Holley told reporters, saying 10 mobile homes had been destroyed. “All my officers are down there at this time. Pretty much the entire trailer park is gone.”In eastern Pennsylvania, a 44-year-old Allentown woman was killed after encountering high waters on a street in Upper Saucon Township that swept her vehicle downstream Tuesday afternoon, the Lehigh County coroner’s office said.While in New York City, a massive tree fell and crushed a van in the Briarwood section of Queens, killing Mario Siles, a 60-year-old construction contractor who was inside the vehicle, police said. A woman in Mechanicsville, Maryland, died when a tree crashed onto her car during stormy conditions, said Cpl. Julie Yingling of the St. Mary’s County sheriff’s office.In Delaware, authorities said a woman was outside assessing storm damage when she was hit and killed by a falling tree branch.Isaias toggled between hurricane and tropical storm strength as it churned toward the East Coast. Fueled by warm ocean waters, the storm got a late burst of strength as a rejuvenated hurricane with top sustained winds of 85 mph before coming ashore late Monday near Ocean Isle Beach, North Carolina. Its tropical storm status was sustained, but weakened, as it headed north into Canada on Tuesday night.Before making landfall late Monday, Isaias killed two people in the Caribbean and battered the Bahamas before brushing past Florida.Tornadoes were confirmed by the National Weather Service in Virginia, Maryland, Delaware and New Jersey. Power outages also spread as trees fell, with more than 3.7 million customers losing electricity across multiple states as of 10:15 p.m. EDT Tuesday, according to PowerOutage.US, which tracks utility reports. New York City's power utility said it saw more outages from Isaias than from any storm except Superstorm Sandy in 2012.In Doylestown, Pennsylvania, officials said four children were treated for minor injuries after high winds partially tore the roof off a day care center. Also in the Philadelphia suburbs, rescue workers in Delaware County were searching for a young person who fell or jumped into the fast-moving water of a swollen creek, said Timothy Boyce, the county emergency services director.In New York City, fierce wind and rain forced the Staten Island ferry and outdoor subway lines to shut down. The New Jersey Turnpike banned car-pulled trailers and motorcycles.Some of the worst damage Tuesday seemed to be east and north of where the hurricane’s eye struck land in North Carolina.“Fortunately, this storm was fast-moving and has already left our state," Gov. Roy Cooper said Tuesday afternoon.In North Myrtle Beach, South Carolina, the storm sent waves crashing over the Sea Cabin Pier late Monday, causing a big section to collapse into the water as startled bystanders taking photos from the pier scrambled back to land.“I'm shocked it's still standing,” said Dean Burris, who watched from the balcony of a vacation rental.The Hurricane Center had warned oceanside dwellers near the North Carolina-South Carolina state line to brace for storm surge up to 5 feet and up to 8 inches of rain.Eileen and David Hubler were out early Tuesday cleaning up in North Myrtle Beach, where 4 feet (1.2 meters) of storm surge flooded cars, unhinged docks and etched a water line into the side of their home.“When the water started coming, it did not stop,” Eileen Hubler said. They had moved most items of value to their second floor, but a mattress and washing machine were unexpected storm casualties.“We keep thinking we’ve learned our lesson,” she said. “And each time there’s a hurricane, we learn a new lesson.” 5507
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