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TEMPERANCE, Mich. — A high school football coach has lost his job and now a mom and dad are calling for a priest to be fired after events at their son’s funeral.Eighteen-year-old Maison Hullibarger died on December 4. His parents say they knew him to be a young man with dreams and potential.“He was at the University of Toledo. He was a freshman, studying criminal justice. All A's,” said Linda Hullibarger, Maison’s mom.It is hard for his parents to talk about even the good times: How Maison loved his family, enjoyed eating the home cooked meals his mom made, camping and football.“He was strong. He was confident. He enjoyed life,” said Jeff Hullibarger, Maison’s dad .Everyone who knew and loved Maison is trying to come to terms with why he took his own life December 4. 810

The ,000 purchase of a soundproof booth for Environmental Protection Agency Administrator Scott Pruitt's office violated federal law, the Government Accountability Office concluded Monday.The GAO, a government spending watchdog that reports to Congress, cites a requirement that executive branch agencies must notify Congress before spending more than ,000 on certain office improvements."Because EPA violated this statutory requirement, we also conclude that EPA violated the Antideficiency Act and should report its violation to the Congress and the President as required by law," GAO said in a statement by one of its attorneys, Julie Matta.GPO's conclusions, outlined in a letter to congressional Democrats, follows a string of revelations about Pruitt's often pricey measures at the agency, including first class travel and 24/7 security.Pruitt is the first EPA administrator to employ an around-the-clock security detail. He has flown first or business class when traveling. He installed biometric locks on his office and closed the area around it to EPA personnel who are not on an approved list. The agency paid ,000 to a business partner of his security chief to check his office for spying technology.It is not yet clear what the consequences, if any, may be. President Donald Trump has repeatedly backed Pruitt through the revelations -- about expensive travel, a below-market-rate lease from an energy lobbyist, and raises given to aides against White House direction -- calling him a "good man" who "is doing a great job!"The ,570 "privacy booth for the administrator" was ordered in August from a Virginia-based company that specializing in soundproofing materials. The total price of around ,000 included renovations to prepare space for the booth, including removing a closed circuit camera system.EPA did not immediately respond to a request for comment.The-CNN-Wire 1904

Ten journalists were among 31 people killed in a series of attacks in Afghanistan on Monday, including a BBC reporter and a well-known photographer who had written of the dangers of reporting in the Afghan capital.Nine journalists were killed in suicide bombings in the capital, Kabul. Shah Marai of Agence France Presse was among a group of journalists who died when a bomber disguised as a TV cameraman detonated a second bomb at the site of an earlier explosion. Both attacks were claimed by Islamic State.In a separate incident, Ahmad Shah, a 29-year-old reporter with the BBC's Afghan service, was shot dead by unknown gunmen in Khost province, the BBC said. Najib Sharifi, director of the Afghan Journalists Safety Committee, said Shah was on his way home when the attack took place. 797

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

Taking a Disney vacation can be pure magic.That’s what it feels like for Becca Robins of Boise, Idaho. She travels to Disneyland in Anaheim, California, about twice a year with her husband and three sons — one 7-year-old and 3-year-old twins.“We really fell in love with it when we had our first son,” says Robins, who runs the travel blog This Crazy Adventure Called Life. She and her husband first took their oldest son there when he was 10 months old. “You’d see his eyes light up when he saw his favorite characters and the rides, and the whole experience was magical.”But going on these trips isn’t cheap, Robins acknowledges. That’s why she’s always looking for ways to trim costs for tickets, food, transportation and accommodations. If you’re planning to visit a Disney park — such as Disneyland in Anaheim or Walt Disney World Resort in Orlando, Florida — you can cut costs, too. Here’s how. 938

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