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Will be going to Georgia for a big Trump Rally in support of our two great Republican Senators, David and Kelly. They are fantastic people who love their Country and love their State. We must work hard and be sure they win. #USA— Donald J. Trump (@realDonaldTrump) December 2, 2020 289

Whataburger is getting into the game with its own spicy chicken sandwich.The San-Antonio based fast-food chain introduced the sandwich last week.“At Whataburger, we’ve spent time meticulously crafting the Spicy Chicken Sandwich recipe – and it shows with each bite. It packs a delicious blend of marinated, crispy chicken that’s spicy from within and is paired with fresh veggies, cool, crisp lettuce, tomatoes, pickles, and mayo,” said Whataburger Vice President of Marketing and Innovation Rich Scheffler in the press release. “We can’t wait for our guests to enjoy this extremely flavorful new, limited-time sandwich.”Whataburger said the new item is available for a limited time only at all 840 locations. 717

While the vast majority of us only get to vote for one candidate on the ballot, voters in Maine are allowed to vote for multiple candidates.Maine's unique election process was approved by voters in 2016. Although this might sound like a strange way of voting, the process allows for “instant runoffs.” Election officials continually eliminate the last-place candidate until there are only two candidates left or a candidate receives a majority of the vote.For instance, if your first choice is eliminated, your second choice becomes your vote until that candidate is eliminated or is declared the winner.On Tuesday, the Maine Supreme Judicial Court ruled against a GOP-led initiative that attempted to delay the use of ranked choice voting in the presidential election. The court struck down a lower-court ruling.The process had already been used in the primary and the 2018 midterm. Governor Paul LePage protested the results from the 2018 election, and threatened not to certify the results. In Maine’s House District 2, Democrat Jared Golden won the election despite not receiving a plurality of first-choice votes. Golden ended up garnering a majority after two independent candidates were eliminated.Maine is also unique as it is only one of two US states that divvy up Electoral College votes based on congressional districts. While the winner of Maine’s statewide vote automatically garners two Electoral College votes, the state’s other two votes are given to the candidate who wins within a congressional district.In 2016, Hillary Clinton won the state’s overall vote, but failed to win both of the state’s congressional districts, which resulted in Donald Trump taking one of the state’s four Electoral College votes.For this year’s election, while the Maine’s first congressional district is expected to lead Joe Biden to a statewide victory, the second district is expected to be a tight race. 1915

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 I told friends that my wife and I were heading to Johannesburg -- which had just been hit by torrential rain and flooding — for a family wedding over Easter, they joked about how lucky we were to be able to take deep baths and long showers.Like many Capetonians, we've endured months of quick 90-second showers, bucket washes or baths that are only centimeters deep and grey water to flush the toilet or water our parched garden. 447

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