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It's true that you can maintain a credit score without a credit card, but you have to have some type of revolving account. Most credit models require recent credit history to generate a score. Your FICO score will disappear if a creditor hasn't reported activity in your name to the credit...

I've found that having at least one credit card is a necessary evil to maintain a credit score if you don't have any type of debt. I keep one that I pay off monthly for this specific purpose.

Scenario 1: Trump wins a second term Scenario 2: Biden wins and Republicans hold the Senate Scenario 3: Biden wins and Democrats take the Senate The last scenario would obviously be the worst for the stock market, but which of the first 2 scenarios would be the best?

https://www.pewsocialtrends.org/2015/04/09/chapter-1-statistical-portrait-of-the-u-s-black-immigrant-population/ https://www.cato.org/publications/immigration-research-policy-brief/their-numbers-demographics-countries-origin These links illustrate some of the differences between African...

It's my understanding that there are two very different types of intelligence, fluid & crystallized. Fluid intelligence is someone's natural ability to solve problems. Crystallized intelligence is someone's ability to apply the knowledge they've learned both through education & experience to...

If systemic racism is the cause of inequality of outcome, why is a non-white racial group succeeding at a higher rate than everyone else? Why are African American immigrants significantly more successful that regular African Americans? Why would systemic racism affect different segments of the...

Single parent household rates by race: 1. Asian - 15% 2. White - 24% 3. Hispanic - 41% 4. Black - 65% Test scores by race (high to low): 1. Asian 2. White 3. Hispanic 4. Black Unemployment rates by race (low to high): 1. Asian 2. White 3. Hispanic 4. Black Average median income by race (high...

80% of African Americans lived in poverty in the 40's. That percentage had fallen steadily until the 60's when the war on poverty started and single parent households were incentavized. Then little progress was made for the next 25 years. Welfare was reformed in the 90's, but single parent...

Parents need to be present in their children's lives to help instill values, and you can make a strong argument that we should be more focused on rehabilitation after someone has been convicted of a crime instead of just throwing them in a jail cell. But suggesting that we should round up "black...

You can't make this stuff up...

People are fickle. Trump's approval rating was at an all time high less than 3 months ago. He still has time to shift sentiment back in his favor before the election. Watch the economy. This could be a really tight race if the economic recovery stays on track.

Her quote makes sense in context. The media just cherry picked that quote to create controversy.

His numbers are way off because he doesn't account for mild & asymptomatic cases that go undetected. Most health experts estimate that the actual number of infections is 10-20X higher than testing has shown. I don't think we should be shooting for natural herd immunity, but his estimates are...

There are certain unique athletes like offensive lineman that require a calorie surplus to build & maintain their massive body structures. They tend to carry some excess body fat, but that doesn't mean they aren't in perfect shape for their profession. This guys is obviously carrying some excess...

It isn't total BS, but it doesn't account for muscle mass. Most professional athletes are overweight by its metrics.

This is a really difficult situation. I heard an educator say recently that many children didn't retain much of what they learned from home last year. He said another year of this type of learning could really set them back in life. Statistics show that a child is much more likely to die...

I would love to see that series. The Warriors were loaded after they signed KD. At times they could put 5 all-stars on the floor. Jordan's accomplishments are all that more impressive when you consider the fact that the Bulls never had more than 2 players make the all-star team during the years...

Lebron is the best player of his era. He probably has more natural ability than any player that's every played. You don't see players built like a power forward with the skill set of a point guard very often. Despite all of his ability, he's fallen short of greatness. He's 3-6 in the finals and...

The county medical examiner ruled homicide as manner of death as well, but the rest of the report is completely different. Both sides need to present their evidence for their conclusions, because someone is obviously lying.

I didn't know that Floyd started to complain that he couldn't breath while he was still standing. I wonder if he was starting to suffer from a cardiac event prior to being restrained on the ground.