Updated 7:18 am PDT, Monday, July 16, 2018 Photo: AP Image 1of/1 CaptionClose Image 1 of 1 FILE - This April 2017 file photo provided by NerdWallet shows Liz Weston, a columnist for personal finance website NerdWallet.com. (NerdWallet via AP, File) FILE - This April 2017 file photo provided by NerdWallet shows Liz Weston, a columnist for personal finance website NerdWallet.com. (NerdWallet via AP, File) Photo: AP Why traditional credit scores still matter 1 / 1 Back to Gallery Researchers and startups say all kinds of weird data can predict your creditworthiness. What kind of smartphone you have, who your friends are and how you answer survey questions may foretell how likely you are to pay back a loan. Don't expect this alternative data to displace the three-digit number most lenders use, however. Credit … [Read more...] about Why traditional credit scores still matter
Why credit unions are better
If you want higher pay, the time to act is now. After a decade of tremendous job growth – but with little to no corresponding increase in wages – economic conditions are finally lining up to give employees bargaining power for bigger paychecks. But getting a big raise often requires you to find a new job. It may even require you to switch professions. The national unemployment rate in June was only 4 percent. In many areas of the country and in many industries, employers are willing to pay a premium for top talent. However, pay increases, on average, are currently hovering below 3 percent across the country. And when you factor in rising inflation, the purchasing power of those raises is actually shrinking. But that’s the “tyranny of averages” at work. Those average numbers hide the potential for major – even life-changing – pay raises, because the truth is there are hot spots for employment. Fortunately, more on-the-job … [Read more...] about It’s a good time to change jobs — Here’s why
PORTSMOUTHA Portsmouth sheriff’s investigator told a special grand jury Councilman Mark Whitaker treated his church’s credit union as his “own piggy bank” and that it still owed customers $240,000 when it shut down in 2015, according to new court documents.But Whitaker’s attorneys say Investigator Brett Johnson’s testimony last year was false – and that the Sheriff’s Office already had records at the time that proved all of the loans were paid off.The defense asked for Johnson’s testimony and their attack on it to be sealed in the court file. But it wasn’t, giving the public its first glimpse at what witnesses told the grand jurors before they indicted the councilman.Special prosecutor Andrew Robbins and defense attorneys Don Scott and Jon Babineau declined to comment on the court filings.Whitaker, an assistant pastor at New Bethel Baptist Church, is charged with 20 felonies, including identity fraud and forgery. He was set to … [Read more...] about Mark Whitaker’s credit union was missing $240,000, sheriff’s official testified. Defense says that’s false.
From the U.S. to the European Union to Australia, the West is waging war on plastic. It’s the latest moral panic. Soon, we’re told, there will be more plastic in the sea than there are fish. The floating island of plastic known as the Great Pacific Garbage Patch is now three times the size of France. Fish are becoming so addicted to pollution they actually prefer plastic microbeads to real food. It’s killing whales. Etc.Of course I can see why governments are keen to be seen responding to this terrible threat. If you’re as desperately useless as Theresa May’s UK government, for example, it makes perfect sense to try to distract everyone from your incompetence by launching bold anti-plastic initiatives which get you a big thumbs up from national treasures like Sir David Attenborough and which don’t cost the public purse much money. But I wish they wouldn’t bother. As this article from Inside Sources demonstrates – and it really … [Read more...] about Delingpole: Plastic Bans Are Stupid, Unconservative and Won’t Save the Whales
John McCain, seen here in a Hanoi hospital as a prisoner of war, was shot down over Vietnam during a bombing mission on Oct. 26, 1967. (AP) With Breanne Deppisch and Joanie Greve. THE BIG IDEA: What’s legal and what’s moral are different. “Right and wrong” are subjective. Not everyone’s “moral compass” points them to the same true north. Gina Haspel, President Trump’s pick to lead the Central Intelligence Agency, repeatedly declined to say during her Senate confirmation hearing on Wednesday whether “enhanced” interrogation techniques were immoral. The controversial methods, which have subsequently been outlawed, were used against terrorism suspects during the years after the Sept. 11 attacks, when Haspel oversaw a secret CIA prison in Thailand. This is why John McCain, who suffered mightily at the hands of his Vietnamese captors during five-and-a-half years as a prisoner of war, is urging his colleagues to reject … [Read more...] about The Daily 202: Why John McCain is voting against Gina Haspel to lead the CIA — and why it matters