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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

With billions of dollars in federal aid slated to expire within hours, thousands of airline employees are bracing for potential job layoffs and furloughs in the coming days.The CARES Act, passed by Congress and signed into law by President Donald Trump in March, allocated billion in federal aid for U.S. airline companies who were floundering amid the COVID-19 pandemic. However, those bills were only allocated through Oct. 1 — meaning that aid expires on Thursday.Several airlines have already announced that they will be forced to lay off thousands of workers if Congress does not pass a bill that would allocate more bailouts to the airline industry.In August, Delta issued a WARN notice of potential mass layoffs with the state of Georgia that more than 2,500 more could face extended furloughs. The company has already offered early retirement packages to thousands of pilots.According to the Associated Press, American Airlines informed employees in August that it will cut more than 40,000 jobs — 19,000 of them through furlough and layoffs — in October if the business environment did not improve.On Monday, pilots with United Airlines approved a plan that would avoid the furlough of 2,850 pilots which would have begun Oct. 1. In exchange, pilots agreed to reduce their minimum work hours. The airline still plans to cut 19,000 jobs in October, according to CNBC.CNBC also reports that there is bipartisan support to offer more federal aid to the airline industry. However, Republicans and Democrats have not reached a deal on a larger stimulus package, leaving airlines lost in the shuffle. The Democrats included additional airline bailout funds in a .2 trillion stimulus package on Monday, and talk regarding funds for the industry has "progressed" with the White House in recent days.According to figures from the Transportation Security Administration, the agency is routinely screening more than a million fewer airline passengers every day than it would have at the same point a year ago — an indication that demand for air travel is still lagging amid the COVID-19 pandemic. 2108

While it has been suggested to hold a vigil in the Memorial, we are asking that we stand together to confront hate - BUT NOT physically stand together in the Memorial. Let us each stand up and be a force of goodness. Let us stand together as a community of compassion.— Wassmuth Center (@IdaHumanRights) December 9, 2020 337

White House press secretary Sarah Sanders maintained Wednesday that President Donald Trump "did nothing wrong" relating to the hush money payments made to women who claimed affairs with him during the 2016 campaign."As the President has said and we've stated many times, he did nothing wrong. There are no charges against him and we've commented on it extensively," Sanders said. "Just because Michael Cohen made a plea deal, doesn't implicate the President on anything."Sanders declined to answer additional questions about what the President knew about the payments and when he knew it.Asked whether the President has lied to the American people, Sanders called the accusation "ridiculous.""I think that's a ridiculous accusation. The President, in this matter, has done nothing wrong and there have been no charges filed against him," she said.She responded to inquiries about the President's tweets about Cohen from earlier in the day, in which he said Cohen "broke" and recommended no one use Cohen as a lawyer, saying, "The President has expressed his views on that, I don't have anything further to add."Asked whether Trump would pardon Paul Manafort, Sanders sought to distance the former campaign chairman from the President."The Manafort case doesn't have anything to do with the President, it doesn't have anything to do with his campaign, doesn't have anything to do with the White House," Sanders said.She added that she was "not aware" of any conversations regarding a Manafort pardon beyond when the President was asked about it last week. 1562

When it comes to eating healthy we tend to think about weight loss. But the impact on our blood pressure and cholesterol is just as important.Just ask a young woman who's survived not one, but two heart attacks. She talks about overcoming the odds, and how a heart-healthy diet is helping her fight back.In a small room, it's dinner time. But it's more than a love of food that's bringing these people together. It's a love and appreciation for life."So my name is Michelle," says one woman seated at the table. "I've had two heart attacks."Michelle Melvin and everyone at the table has had at least one close call with their hearts."What did you think when the doctor told you you'd had a heart attack?" The NOW's Kumasi Aaron asked Melvin. "It was disbelief," she responded.Melvin was 41, active and healthy overall when she felt a pain in her temples and her forearms went numb."But, did I ever think heart attack?" Melvin recalls. "No. I was 41 years old. That doesn't happen happen when you're 41." Her first thoughts? Her 8 and 10 year old sons.Melvin says, "It was just more of that sacredness of I can't, I can't die. With these babies at home still."She changed her diet and lifestyle but five years later, she had another heart attack."It wasn't supposed to happen again you know?" Melvin says. "You're not supposed to get it twice."Doctors diagnosed her with SCAD, a rare heart disease that mostly affects young women."The patients that it affects frequently are super healthy patients," says Kasier Permanente Cardiac Registered Nurse Amanda Bloom. "These are women who are out there doing marathons, they really take good care of themselves that's kind of what's so scary about it."Bloom started the support group. She wanted to make healthy eating a big part of it, because of its impact."It can really greatly reduce your risk of having another heart incident," Bloom says. "And for someone who hasn't had one it really reduces the risk of ever having one."Bloom prepares the dishes herself. Kale apple and pecan salad, and butternut squash and lentil soup. When it comes to eating heart healthy, Bloom says fruits, dark leafy greens and vegetables are key.For Melvin, the guidance she gets from Bloom about eating heart healthy is giving her important confidence."It kind of like jump starts," Melvin says. "It's like okay I can do this. I can go back and I can be strong again."Becoming stronger with each bite, for whatever life might bring.You can find more more healthy recipes from Kaiser Permanente here. If you want to try the heart healthy dishes Bloom made for her patients, the recipes are below:Kale, Apple and Pecan SaladIngredients:2 bunches laccinato Kale-tear into bite size pieces, remove ribs-Also called Dinosaur Kale2 apples, chopped into  bite size pieces.1 cup pecans, toasted, roughly chopped? cup dried Cranberries or datesScant lemon juiceDressing:? cup Dijon mustard? cup apple cider vinegar? cup honeyDirections:Place kale in a bowl and sprinkle with a pinch of salt. Drizzle with one teaspoon of olive oil. Massage kale for a couple minutes to tenderize.Sprinkle a little lemon juice over apples to keep them from browning.Mix together kale, apple, pecans, and cranberries.Toss with dressing and serve. Start with ? cup of dressing then add more as needed to taste. Butternut Squash and Lentil SoupIngredients:1?4 cup olive oil4 cloves garlic, finely chopped3 medium carrots, finely chopped2 stalks celery, finely chopped1 medium white onion, finely chopped1 tsp. ground cumin1 small butternut squash (about 1 lb.) peeled, seeded, and finely choppedKosher salt and freshly ground black pepper, to taste6 cups diluted low sodium veggie stock1 cup red lentilsFinely chopped parsley, for garnishYogurt sauce:? cup non-fat Greek yogurt? tsp smoked paprika2 TBSP of olive oilPepper, salt to tasteDirections:Heat oil in a 6-qt. saucepan over medium-high heat. Add garlic, carrots, celery, and onion; cook, stirring occasionally, until slightly caramelized, 12–14 minutes. Stir in cumin, chile flakes, squash, salt, and pepper; cook until squash is soft, about 15 minutes. Add stock and lentils; bring to a boil. Reduce heat to medium-low; cook, slightly covered, until lentils are very tender, about 20 minutes. Let soup cool slightly, then, working in batches, purée soup until smooth. Stir paprika and 2 TBSP olive oil into yogurt to make sauce. Ladle soup into bowls and garnish with parsley and paprika.  Add a dollop of yogurt sauce and swirl in.  4532