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William and Catherine, the Duke and Duchess of Cambridge, have chosen an autumnal photo of their family sitting on a tree trunk for this year's Christmas card, which was made public on Friday.The Duchess can be seen smiling broadly as she holds baby Louis, while three-year-old Charlotte and five-year-old George hold on to their father.At the same time, Harry and Meghan, the Duke and Duchess of Sussex, released their own Christmas card that shows the pair embracing on their wedding night in May. 507

When students across the US walk out of class for 17 minutes today, many of them will be wearing orange.It's more than just a simple choice in clothing — it's meant to send a powerful message.The color choice dates back to at least 2013 when 15-year-old Hadiya Pendleton was shot and killed in Chicago. Hadiya was an honor student who was killed in a case of mistaken identity -- a week after she performed at one of the events surrounding President Obama's second inauguration.Her parents, Cleopatra Cowley-Pendleton and Nathaniel Pendleton, picked the color orange to honor her and to call for gun reform.Why? It's what hunters wear to protect themselves — from other hunters.This is how their organization, We are Orange, explains it:"Orange is what hunters wear in the woods to protect themselves and others from harm. Orange is a bright, bold color that demands to be seen. Orange expresses our collective hope as a nation — a hope for a future free from gun violence."The group published a video that ends with the quote "So tell me, can you see me now?"Everytown for Gun Safety, a gun-control advocacy nonprofit, learned of the movement and brought it to the national level.The movement and choice of color has not gone without criticism, however. The National Rifle Association called the campaign "pointless" and a "thinly veiled anti-gun stunt" in a statement in its journal, America's 1st Freedom.It's not just students who have been wearing orange since the Parkland shooting. Celebrities at the Oscars this year also wore orange pins. 1565

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

While families prepare to sit down together this Thanksgiving, there are many people across the country who aren't as fortunate. Charities and homeless shelters that normally prepare a warm Thanksgiving meal for those in need are having to make some changes this year due to the pandemic."The importance of Thanksgiving is not these big celebrations with the bells and whistles -- of course it is incredible to be able to be there with one another -- but it's really about providing that meal for those who are experiencing homelessness. And so, we really focused on how to still be able to provide that meal during Thanksgiving to those people," says Nicole Tschetter with the Denver Rescue Mission.The Denver Rescue Mission usually has a large banquet and celebration with the Colorado Governor and other prominent members of the community coming out to bring attention to homelessness, and serve hot meals to those in need. This year, the organization is scaling down, serving meals at two smaller locations."The people that are eating there are the people that are staying at those specific locations," says Tschetter.Tschetter still expects the Denver Rescue Mission will serve several thousand meals this Thanksgiving, just in a safe, physically distant manner.Union Station Homeless Services in Los Angeles County is serving many of their Thanksgiving meals "to go.""It's both a to-go meal for the pre-prepared ones or a fix-it-yourself, kind of like a grocery box full of lunch. So, whichever is the easiest for people. We want people to be able to share meals with their friends or family in their safe bubble and this provides two opportunities for people to get food," says Union Station Homeless Services CEO Anne Miskey.Miskey says they have fewer volunteers than normal this year, but the need they're seeing is great. A need not just for food or shelter but also human kindness."How do we recognize other people’s humanity? How do we have touch points even if we can’t physically touch people or get closer than 6 feet? How do we continue to show people we care, we’re here, we continue to help and support you," says Miskey.Tschetter recalls the story of a prior guest of the Denver Rescue Mission."It makes the world of a difference to be able to sit down and have food and, you know, I don’t remember the last time I had a warm meal and to just feel loved and feel a sense of dignity and a sense of normalcy is just such a huge thing for people who are experiencing homelessness," says Tschetter.These organizations are recognizing the importance of giving back and appreciating all we have to be thankful for in the midst of a pandemic. 2663

With election day looming, the candidates vying to replace Duncan Hunter in East County's 50th Congressional District say they are leaving no stone uncovered.The race is pitting Republican Darrell Issa against Democrat Ammar Campa-Najjar. The two want to fill the seat Hunter vacated in January, when he resigned after pleading guilty to one felony campaign fraud charge. Campa-Najjar narrowly lost to a then-indicted Hunter in 2018 and is running again in 2020."The whole district, we're just going to be traveling across town, meeting people at local diners and saying 'hey, I'm here for you,'" Campa-Najjar said Monday. Issa represented coastal North County's 49th for nearly two decades. In 2018, he decided not to run for re-election as that district shifted blue. This year, however, Issa launched a campaign for the seat in the 50th after Hunter resigned. The district comprises much of East County, and stretches into south Riverside County. It is the only district in San Diego County in which Republicans outnumber Democrats. Issa said his campaign made 10,000 calls Sunday and knocked on more than 1,500 doors. He said if he is elected to Congress, he'd use his experience to help move the country forward. "Many of my Republican and Democratic friends are coming back after two years of very little progress and a lot of hostility," he said. "I'm hoping to get past that with people I have a working relationship with and get some things done."After months of polling showing the two neck-and-neck, an Oct. 27 ABC-10 Union-Tribune poll showed Issa with an 11 point lead over Campa-Najjar. Thad Kousser, a political scientist at UC San Diego, said, however, that Tuesday's early results could show Campa-Najjar starting in the lead due to increasingly Democratic early voting."Things are going to look good for Ammar Campa-Najjar by 8:05, 8:15, the next set of returns that come in are going to be the ones between 9 and 10:30 that will come from polling places," he said. noting that could be as much as a 10 or 15 point swing for Issa, until the rest of the balance come in. 2096