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☆ Biden administration moves to ban medical debt from credit reports
▼ + stars: | 2024-06-11 | by ( Rob Wile | ) www.cnbc.com time to read: +2 min

The Biden administration is moving to ban medical debt from credit reports. Medical debt, she said, "makes it more difficult to get by, much less get ahead. A recent study estimated that one in five U.S. households live with medical debt, including people with health insurance; and that on average, a typical American household owes about $4,600 in medical debts. "Medical bills on credit reports too often are inaccurate and have little to no predictive value when it comes to repaying other loans." The association said it had also extended the time before medical collections debt appears on credit reports and deleted resolved debts and medical collection debts below $500.

Persons: Joe Biden, Kamala Harris, North Carolina Governor Roy Cooper, Biden, Harris, Rohit Chopra Organizations: U.S, North Carolina Governor, Chavis Community Center, Consumer Financial Protection Bureau, Consumer Data Industry Association Locations: Chavis, Raleigh , North Carolina, U.S

Sen. Joe Manchin (D-WV) speaks during a "Politics & Eggs" event at the New Hampshire Institute Politics at St. Anselm College on January 12, 2024 in Manchester, New Hampshire. MORGANTOWN, W.Va. — Sen. Joe Manchin, D-W.Va., announced Friday that he is not running for president after spending months mulling a bid that would have shaken up the 2024 campaign. I will not be involved in a presidential run," Manchin said during a speech. In a statement following Manchin's announcement, former Connecticut Sen. Joe Liberman, former North Carolina Gov. Democrats feared a Manchin candidacy would have pulled votes away from President Joe Biden and boost former President Donald Trump, the 2024 Republican frontrunner, in a general election.

Persons: Sen, Joe Manchin, — Sen, Manchin, Connecticut Sen, Joe Liberman, Pat McCrory, Benjamin Chavis Jr, Mitt Romney, Rob Portman, Joe Biden, Donald Trump Organizations: New Hampshire, St, Anselm College, Democracy, White, North Carolina Gov Locations: Manchester , New Hampshire, MORGANTOWN, W.Va, Connecticut, R, Utah, Ohio

MACON, Ga. (AP) — A man shot and wounded himself Monday when officers sought to question him about four escapees from a Georgia jail, authorities said. Davis said that person might have information on the escapees, who broke out of the Bibb County jail Oct. 16. Anderson, 24, is a Black male with dreadlocks and is 5 feet, 9 inches tall and weighs 165 pounds. Barnwell, 37, is a Black male with braids and is 5 feet, 9 inches tall and weighs 190 pounds. Stokes, 29, is a Black male with short black hair and is 5 feet, 7 inches tall and weighs 160 pounds.

Persons: David Davis, Davis, Joey Fournier, Marc Kerry Anderson, Johnifer Dernard Barnwell, Chavis Demaryo Stokes, Fournier, Anderson, Stokes Organizations: U.S, SWAT, Dodge Challenger, Challenger Locations: MACON, Ga, Georgia, Bibb County, Macon, Bibb, Barnwell

Fontes’s office told the group last month that it is obligated to accept filings from candidates even if party leaders reject them. No Labels has drawn extra scrutiny in Arizona, one of a dozen states where it has secured ballot access for a potential presidential candidate. By refusing to nominate candidates for state offices, No Labels argues it is not subject to Arizona’s campaign finance disclosure laws. The party argues state law allows political parties to participate only in elections that they choose and the U.S. Constitution protects the party’s right to freely associate or not associate with candidates. Candidates have filed statements of interest to run for U.S. Senate and Arizona Corporation Commission, the state’s utility regulator.

Persons: Adrian Fontes, who's, Joe Biden, Biden, they're, ”, Benjamin Chavis Jr, Colleen Connor, Richard Grayson, Donald Trump Organizations: PHOENIX, Democratic, Constitution, NAACP, Fontes, Democrat, U.S . Senate, Arizona Corporation Commission, Corporation Locations: Arizona, Phoenix, U.S

The very existence of the No Labels group is fanning Democratic anxiety about Trump’s chances against an incumbent president facing questions about his age and record. If even a small number of those voters were to back a No Labels candidate next year, Biden could fall short. No Labels party members skew younger. Twelve percent of them live in the 4th Congressional District, which includes Arizona State University. Such a poll would be meaningless because a large swath of voters won’t know anything about the No Labels candidate before a campaign is run, he said.

Persons: Joe Biden, Donald Trump, hasn't, ”, Rodd McLeod, Biden, Adrian Fontes, Fontes, Richard Grayson, Kamala Harris, Republican Sen, Jeff Flake, Cindy McCain, Sen, John McCain —, Ross Perot, George H.W, George H.W . Bush, Jill Stein, Hillary Clinton ’, Stein, Trump, Matt Bennett, Benjamin Chavis, Sam Almy, they've, they’ll, Democratic Sen, Joe Manchin, Joe Lieberman, Jon Huntsman, Larry Hogan, Larry Hogan of Maryland, Ryan Clancy, we’re, ” Clancy Organizations: PHOENIX, Trump, White, Democratic, Biden, Democratic Party, Phoenix, Trump Republicans, Republican, Green, NAACP, Republicans, Congressional, Arizona State University, Super, Republican Gov Locations: Arizona, Pinal County, George H.W ., Michigan , Pennsylvania, Wisconsin, Arizona , Georgia, Washington, Phoenix, Tucson, Dallas, West Virginia, Joe Lieberman of Connecticut, Utah, Larry Hogan of

☆ How to Build Credit Without a Credit Card
▼ + stars: | 2023-07-31 | by ( Emily Sherman | ) www.wsj.com time to read: +11 min

The problem: The best way to build your credit score is to make regular payments on your credit card — and often you can’t get a credit card until you already have a good credit score. Become an authorized userThe fastest and easiest way to build your credit score — if it’s an option for you — is for a family member or friend with a good credit to add you as an authorized user to their credit card. Once a cardholder adds you to their account, you’ll get your own credit card, earn rewards (if applicable) and get credit for on-time payments and a credit utilization ratio. Get a secured credit cardIf you don’t have any of the loans listed here or find you need another option for building credit, a credit card is still an option. Specifically designed for those just getting started building credit, secured credit cards use a deposit as collateral to reduce risk, so even those with poor credit can qualify.

Persons: Emily Sherman, ”, Emily Irwin, Wells, Irwin, you’ll, doesn’t, it’ll, Freddie Huynh, isn’t, Huynh, Kenneth Chavis, You’re, “ Organizations: Debt, Experian, Versant Capital Management, Digital Federal Credit Union Locations: Wells Fargo, Minneapolis, It’s, Phoenix

☆ At No Labels Event, a Few Disagreements on Policy Seep In
▼ + stars: | 2023-07-17 | by ( Jonathan Weisman | More About Jonathan Weisman | ) www.nytimes.com time to read: +1 min

As the ostensibly bipartisan interest group No Labels discovered on Monday, consensus campaigning and governance is all well and good until it comes time for the details. At an event at Saint Anselm College in Manchester, N.H., the group had something of a soft launch of its potential third-party bid for the presidency when Senator Joe Manchin III, Democrat of West Virginia, and Jon Huntsman Jr., the former Republican governor of Utah, formally released No Labels’ policy manifesto for political compromise. The two men took pains to say they were not the bipartisan presidential ticket of a No Labels candidacy, and that no such ticket would be formed if the Republican and Democratic nominees for 2024 would just embrace their moderation — “that won’t happen if they’re not threatened,” Mr. Manchin said threateningly. On the lofty matter of cooperation and compromise, both men were all in, as were their introducers, Joseph I. Lieberman, a former Democratic senator turned independent, Benjamin Chavis, a civil rights leader and Democrat, and Pat McCrory, a former Republican governor of North Carolina.

Persons: Joe Manchin III, Jon Huntsman Jr, they’re, Mr, Manchin, Joseph I, Lieberman, Benjamin Chavis, Pat McCrory Organizations: Saint Anselm College, Democrat, Republican, Democratic Locations: Manchester, N.H, West Virginia, Utah, North Carolina

☆ Third-party No Labels will not be a 'spoiler' in 2024 election, chair says
▼ + stars: | 2023-07-16 | by ( David Morgan | ) www.reuters.com time to read: +3 min

Lieberman, a former U.S. senator and unsuccessful vice presidential candidate, said No Labels hopes to offer a legitimate "third choice" candidate. "We're not in this to be spoilers," Lieberman told ABC's "This Week" program. Former Democratic Senator Doug Jones said a third-party No Labels candidate could not secure the 270 Electoral College votes needed to win. But he said a No Labels candidate could help Trump regain the White House he lost to Biden in 2020. Republican presidential candidate Chris Christie rejected the group's approach outright on Sunday.

Persons: Joe Lieberman, Lieberman, We're, ABC's, we're, John Hope Bryant, Benjamin Chavis Jr, Larry Hogan, Pat McCrory, Joe Manchin, Joe Biden, Donald Trump, Ross Perot, Bill Clinton, Ralph Nader, George W, Bush, Doug Jones, Trump, Jones, Chris Christie, Al Gore's, David Morgan, Howard Goller Organizations: Democratic, Republican, North Carolina, Democrats, Former Democratic, Electoral, Biden, ABC, U.S . Capitol, New, Senate, Thomson Locations: U.S, New Hampshire, New Jersey

☆ MLB roundup: Cycle helps Reds run win streak to 12
▼ + stars: | 2023-06-24 | by ( ) www.reuters.com time to read: +9 min

Jhoan Duran handled the ninth inning for his 10th save as Minnesota's pitchers recorded 16 strikeouts. Pirates 3, Marlins 1Carlos Santana stroked a two-out, tiebreaking single in the ninth inning as Pittsburgh snapped a 10-game losing streak by rallying to beat Miami. The Pirates were down 1-0 entering the ninth inning before getting the best of Marlins closer A.J. Patrick Corbin (4-9) gave up seven runs on seven hits in five innings. Logan Webb (7-6) allowed four runs (three earned) in seven innings, helping the Giants to their 11th win in 12 games.

Persons: Elly De La Cruz, David Kohl, De La, Joey Votto, Collin McHugh, Alex Young, Alexis Diaz, Matt Olson, Mookie Betts, Emmet Sheehan, Angeles, Michael Busch, James Outman, Sheehan, Mauricio Dubon, Kyle Tucker, J.P, Jose Siri, Zach Eflin, Siri, Salvador Perez swatted, Nick Pratto, Zack Greinke, Trea Turner, Brandon Marsh, Bryce Harper, Taijuan Walker, Brandon Nimmo, Kodai Senga, Adolis Garcia, Joe Barlow, Anthony Rizzo, Will Smith, Michael King, Isiah Kiner, Aaron Judge, Logan Gilbert, Tom Murphy, Teoscar Hernandez, Ty France, Eugenio Suarez, Hernandez, Gilbert, Anthony Santander, Kyle Gibson, Kenta Maeda, Max Kepler, Maeda, Tommy John, Jhoan Duran, Royce Lewis, Andy Ibanez, Joey Wentz, Carlos Santana, Luis Arraez, Jesus Luzardo, Joe Musgrove, Musgrove, Seong Kim, Xander Bogaerts, Juan Soto, Michael Chavis, Patrick Corbin, Michael Conforto, Patrick Bailey, Logan Webb, Camilo Doval, Corbin Carroll, Zach Davies, Shea Langeliers, JJ Bleday, Langeliers, Oakland's Lucas Erceg, Trevor May, Vladimir Guerrero Jr, Jordan Romano, George Springer, Willy Adames, Wade Miley, Miley, Jose Ramirez, Shane Bieber, Brayan Bello, Rafael Devers, Devers, Bello, Lucas Giolito, Chicago's, Tim Anderson's, Elias Diaz, Diaz, Elehuris Montero, Coco Montes, Jurickson Profar, Shohei Ohtani, Mike Trout, Pierce Johnson, Justin Lawrence, Sam Bachman, Chris Devenski Organizations: Cincinnati Reds, Atlanta Braves, Reds, Cincinnati, Braves, Dodgers, Astros, The Astros, Rays, Royals, Tampa Bay, Kansas City, Phillies, Mets, Philadelphia, New, Rangers, Yankees, Texas, Mariners, Orioles, Seattle, Tigers, Detroit, Pirates, Marlins, Pittsburgh, Miami, The Pirates, Padres, Nationals, San Diego, Washington, Giants, Diamondbacks, San Francisco, Arizona, Athletics, Blue Jays, Oakland, Toronto, Brewers, Cleveland, Guardians, Red Sox, White Sox, Boston, Chicago, Angels, Colorado, Los Angeles, Rockies, Thomson Locations: Cincinnati , Ohio, USA, De La Cruz, Cincinnati, Houston, France, St . Petersburg, Fla, New York, Seattle, Baltimore, Minnesota, San, Milwaukee, Los, Denver, Colorado

☆ Spring training roundup: Nats score 8 in ninth to beat Astros
▼ + stars: | 2023-03-18 | by ( ) www.reuters.com time to read: +5 min

Blake Rutherford hit an RBI single, Cody Wilson -- who pinch-ran for Arcia -- hit a two-run double and Vargas singled home Wilson. The Yankees had 15 hits, led by Wilmer Difo (2-for-4, home run), Benjamin Cowles (homer) and Estevan Florial (2-for-4, three RBIs). Cardinals 16, Marlins 2Masyn Winn went 3-for-4 with four RBIs and Willson Contreras doubled and went 2-for-3 with three RBIs as St. Louis throttled Miami in Sarasota, Fla. The Cardinals collected 17 hits, with Dylan Carlson contributing two hits, two RBIs and two runs. The Marlins' Jerar Encarnacion went 2-for-3 with one RBI.

Between out-of-control inflation and the Federal Reserve's attempts to temper it with rate hikes, just about everything in America became more expensive in 2022 — including credit card debt. Credit card interest rates soared in 2022, and they did so with mind-boggling speed. According to Bankrate, credit card rates had the steepest single-year increase since the company began tracking them in 1985. This means that if you have any credit card debt, it's become more expensive than ever. Get a balance transfer credit cardA balance transfer allows you to move debt from a high-interest credit card to one with a promotional 0% APR period.

☆ How to Improve Your Credit Score, According to Experts
▼ + stars: | 2022-10-12 | by ( ) www.wsj.com time to read: +10 min

That’s why we asked three credit experts what they think of common credit score tips—and how you can really make the most of them. In the scenario above, if you doubled your credit limit—or got an additional credit card with the same credit limit—your credit utilization would go down to 5%. What experts say: Experts agree that getting more available credit can indeed help your credit utilization and credit scores. You might see positive changes to your credit as soon as your new credit limit makes it to your credit report. Some of the easiest options include becoming an authorized user on a family member’s credit card or applying for a secured credit card, which involves depositing money with the credit card issuer.

☆ How to Cancel a Credit Card
▼ + stars: | 2022-08-24 | by ( ) www.wsj.com time to read: +9 min

If you have a metal credit card, return it by mail to the credit card issuer—your bank can send you a prepaid envelope at your request. According to popular credit advice, cancelling a credit card is a bad idea since it can hurt your credit. Say, you have two credit cards with a $2,000 credit limit and a total of $500 in credit card debt. First, if you have another credit card, you can try to request a credit limit increase to make up for the loss of available credit. Keep in mind, however, that a credit card application triggers a hard inquiry on your credit report, which can cost you some credit points.

☆ Thinking of investing for the first time? Experts say you should figure out your 'why' before putting a single dollar in the market
▼ + stars: | 2021-08-23 | by ( Rickie Houston | ) www.businessinsider.com time to read: +5 min

They discussed DIY investing and offered advice for beginners using online brokerages. The year 2020 was a big one for first-time DIY investors (also known as "retail investors"). "The first piece of advice that I would give is: Make sure that you feel really educated and confident about what you're investing in and why." The best time to start investing is todayIf you're new to self-directed investing, it can be a daunting feat. "If you're feeling overwhelmed or unsure, just find one place to start learning more about how to manage your money and how to start investing," Tran said.

Whether you're self-employed or your employer doesn't offer one, 401(k) plans simply aren't available to everyone. According to financial planners, there are several ways you can keep saving or start saving, even without a 401(k) plan. Financial planner Kenneth Chavis IV of Lourd Murray recommends a Roth IRA for many people who are just starting to save. If you're self-employed, consider a solo 401(k)When you're self-employed, a solo 401(k) should be the first place to go, financial planners say. Advertisement"That's actually one of the best retirement savings vehicles there is if you know how to use it," said financial planner Brian Bruggeman of Baker Boyer Bank.

Persons: Roth, —, Kenneth Chavis IV, Lourd Murray, Chavis, Brian Bruggeman Organizations: Service, IRA, Baker Boyer Bank Locations: Baker

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