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When Francesca Marie McNally was born, she was the perfect baby. “Perfectly healthy. Beautiful. Very interactive,” describes her dad, Sean McNally. He and his wife Veronica were in love with their little girl. Just before she turned three months old, she started coughing.  “We saw four doctors,” said Veronica. “None of the doctors we were seeing, and there were so many, really knew what it was,” said Sean.After not getting answers from their pediatrician's office and local emergency rooms, they took their baby to Children’s Hospital of Michigan in Detroit. Doctors there immediately recognized how serious the situation was. She was rushed into intensive care. She did not make it. “It is with me every day. I think about her every day. I feel that loss every day,” said Veronica. Doctors found out too late that Francesca had whooping cough and they also found out how she caught it. “I had whooping cough. I don’t know where I got it from. I look back and wish that I would have known more about the way I could have protected myself and my family,” said Veronica. Babies cannot be vaccinated against whooping cough, but doctors recommend those who care for them are. Veronica says she asked why she wasn’t told this during her pregnancy. According to medical records, on the day of her delivery, a nurse offered her the Tdap shot, which is the whooping cough vaccine. 1449

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

What's in a name? A lot, if you happen to be a member of Britain's royal family.As the Duke and Duchess of Cambridge on Monday announced the arrival of their son and third child, speculation turned to a possible name.The baby boy was born at St. Mary's Hospital in London at 11 a.m. local time, Kensington Palace said in a statement.But as with the royal couple's older children, Prince George, 4, and Princess Charlotte, 2, it is likely to be a few days until a name is announced.Among the bookmaker's favorites for the boy, who will be fifth in line to the throne, are Arthur, Albert and James.Tradition plays a huge role when choosing a royal name. Albert could be a nod to both Queen Victoria's husband, Prince Albert, and Queen Elizabeth II's father, King George VI, who was called Albert until his accession to the throne."We haven't had so many called Arthur, but it does hark back to the mythical first king of Britain," said royal commentator Kate Williams.Given Prince William and Catherine's previous choices, royal commentators are predicting the couple will stick with a traditional name for their third child."George and Charlotte are very traditional, historic, English names," said Williams. "Although this is slightly different in that their first child, Prince George, is likely to be the monarch, and this child will likely not. So they can be a little bit different with the name."The latest edition to the royal family is fifth in line to the throne -- after his grandfather Prince Charles, father William and two siblings -- bumping William's brother Prince Harry further down the order.A change in the law in 2011, after William and Kate were married, gave women the same rights of accession to the throne as men.Whichever name the Duke and Duchess choose, it will first need to be cleared with Queen Elizabeth II, though ultimately the final decision rests with the parents."The Queen has the power to say what their title is -- she'll decree that they are the Prince of Cambridge," explained Williams."But in the case of names, it is more of an informal conversation. Of course they have such respect for the Queen that if she says 'I really don't like that name,' they'd definitely take that into account," Williams added.One thing is certain, their chosen name is likely to shoot to the top of British baby name lists -- as it did with George and Charlotte.And with the royal wedding of Prince Harry and Meghan Markle set to take place on May 19, Williams had one final prediction: "I wouldn't be surprised if Harry and Meghan are popular baby names in the coming year."  2611

With a second surge in COVID-19 cases underway, a family from the Midwest is sharing their harrowing story about surviving the coronavirus illness.A father, mother and son were all on ventilators, on life-support at one point.Chuck Drungelo was the first to feel sick right after Easter. He stayed home from work but his family, including his 81-year-old mother-in-law, all eventually landed in the hospital with the virus.“They said it looks like you have COVID pneumonia, so by Monday I was in the hospital and I gave it to my whole family,” said the dad.“How could this happen? How could all four members of their family get this? And it just shows you how contagious it is,” said Raeann Shedd, Drungelo’s sister.Chuck got the sickest. The ventilator wasn't enough. He was moved to an ECMO machine, which is life-support for the lungs and heart, for 19 days. He eventually got virus antibody plasma treatment that helped him turn a corner.“You can still hear my trachea. I got a hole from the feeding tube,” said Drungelo.Drungelo’s sister and his sister-in-law ended up having to make all the medical decisions while they were incapacitated. He was finally able to come home from a rehabilitation facility July 1.“It’s awful because your family is struggling, and you can’t be there for them. You can’t go to the hospital. You can’t hold their hand and talk to the doctor and look them in the eye. People think it’s their right to not wear a mask. I guess in a way it is, but we should do everything we can to save each other,” said Shedd.“My wife said the other day, if you don’t like wearing a mask, you’re not going to like wearing a ventilator,” said DrungeloAs you can imagine the family is facing a massive amount of medical bills. They have a GoFundMe page for those who would like to help. 1809

WILLIAMSVILLE, NY — Rep. Chris Collins, who was charged with insider trading Wednesday, has announced in a statement that he will be suspending his campaign for re-election to Congress in New York's 27th District. Collin's Statement: 266