Many in Bengals organization remain livid at NFL’s decision that could let a coin flip take home-field advantage from Cincinnati, sources told ESPN.
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Pennsylvania Democratic Senate nominee John Fetterman used his stroke recovery to target his Republican opponent during a rally Saturday, joking that he has an excuse for his verbal mix-ups while mocking Dr. Mehmet Oz’s viral mispronunciation of a grocery store chain.
“As you know, I had a stroke,” Fetterman told a crowd in Pittsburgh during a rally. “Oh and I’m so grateful to be here today now after surviving that better and better, you know?”
Fetterman, the current lieutenant governor of Pennsylvania, has taken criticism for not being open about his health since his May stroke, which occurred days before he handily won the Democratic nomination for Senate. Oz and others have raised questions about whether the 52-year-old former mayor of Braddock, Pennsylvania, is up to the task of serving in the Senate.
“You know, the only lingering issue that I have after that stroke is sometimes auditory processing, sometimes. And, every now and then, I might miss a word or, sometimes, you know, I might mush two words together,” Fetterman said before bringing up a video of Oz that his campaign has mocked all summer.
JOHN FETTERMAN WIPES BLACK LIVES MATTER SECTION FROM CAMPAIGN SITE AMID ATTACKS OVER CRIME
“Let me give you an example. OK, now imagine, let’s assume, I maybe want to go shopping at Wegmans, and I’m actually standing in a Redner’s, but I actually think I’m shopping in Wegner’s. That’s what it’s like to kind of mush two words together, but something that doesn’t really exist. Thank you, Dr. Oz, for that,” Fetterman said.
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In a now-famous video — which Oz tweeted in early April, before the Pennsylvania primaries and before Fetterman’s stroke — Oz can be seen in a grocery store lambasting inflation and the high cost of vegetables that he said he needed for a crudité platter.
Fetterman’s campaign circulated the video this summer, frequently using it to paint Oz as out of touch for using the word crudité instead of the more common phrase “veggie tray.” Fetterman’s campaign even sells campaign merchandise based on the incident. Fetterman said Saturday he needed to look up the word when he first saw the video.
“How many of you, how many have you ever heard the word crudités? Anyone? Anyone ever heard it?” Fetterman said. “I actually thought it was about my stroke. … I had to Google it to find out what it is.”
After Fetterman said he would not participate in an early September debate due to his continued stroke recovery, Oz accused his opponent of being in too poor health to serve in the Senate or too scared to present his views to voters. The pair have agreed to one debate, scheduled weeks before the Nov. 8 midterm election.
“John Fetterman has been ducking, dodging these debates, which is insulting to the voters of Pennsylvania,” Oz told Fox News Digital last month. “And he has to own the reasons for his desire to avoid a debate with me. Either he’s healthy, which he says he is, and doesn’t want to answer for his radical positions in past statements, or he’s lying about his health. Either way, the voters of Pennsylvania deserve an answer, and I think they deserve that answer pretty quickly, since the absentee ballots will be mailed out in the next two to three weeks.”
Fetterman has attempted to brush off criticism of his health as unfair and out of place for a physician.
“Dr. Oz never stops reminding everybody that I had a stroke. Yeah. In fact, I’m sure there’s probably at least one person here that are filming it. Trying to have me miss some words on video. What an inspiring campaign for you. Dr. Oz,” Fetterman said Saturday.
The Senate race in Pennsylvania has tightened considerably in the past few weeks after Fetterman appeared the favorite earlier in the summer, according to public opinion polls. A Fox News poll released Wednesday showed Fetterman ahead of Oz by 45%-41%. A four-point edge is within the poll’s margin of sampling error and down from an 11-point advantage in late July.
This week, Fetterman has put out several fundraising calls warning that Oz was closing in on him in the polls.
“Dr. Oz is catching up to me in the polls. Seriously, he’s only three points behind within the margin of error,” Fetterman tweeted Saturday.
MSNBC contributor and NBC News historian Michael Beschloss called to “vote like your life depends on it” during an appearance on “The Sunday Show with Jonathan Capehart” during which he also told the host, “I don’t know” if the country will survive this.
Capehart discussed President Biden meeting with Beschloss and other journalists and historians to discuss the “trends toward autocracy” worldwide and the threat of losing democracy in the country. Beschloss agreed with Biden that this could be “a battle for the soul of America” comparable to the Civil War and Nazi Germany.
“If we were living in 1940 you and I would have said, ‘There is a serious danger that America would not be a democracy because A. there are people from within who want to make this an authoritarian system. And B. the Nazi Germans, the Italians, the Japanese, were living in a world where fascism was on the march,’” Beschloss said. “What we all said to the president was, this, 2022, is like a moment like that.”
“And therefore, this midterm election, and the presidential election of 2024, they said it was always the most important election in history. It’s pretty close to it. I would say to our friends, who are watching us today, vote as if your life depends on it. Because it might,” he added.
Several Democrats and media pundits have invoked the mantra “vote like your life depends on it” for midterm and presidential elections. Former President Barack Obama similarly told young people to “vote like your life depends on it, because it does” last November to combat climate change.
Beschloss implied that the threat increased after the FBI raid against former President Donald Trump’s Mar-a-Lago home based on Trump and the GOP’s response afterwards.
“What, you know, what is even worse than that? Kevin McCarthy, threatened—the possible next Speaker of the House if the Republicans win—threatened an attorney general, and said, ‘You better lay off,’ essentially, ‘You better lay off Trump, or else there’s going to be violence.’ When have we ever seen that before in American history? And even reports that Trump himself tried to send a message to Merrick Garland, that unless you get some kind of immunity, you’re going to have a civil war. That’s a threat. No one should make it, [especially not] an ex-president of all people,” Beschloss said.
DAN BONGINO: THE FBI RAID ON MAR-A-LAGO WAS ‘TYRANNY,’ NOT LAW ENFORCEMENT
“And your last answer is truly the most frightening thing that I’ve heard, or that we can even contemplate. Are we going to survive this?” Capehart asked.
“I don’t know,” Beschloss answered.
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Jonathan Capehart’s paper, The Washington Post, previously published a piece from fellow columnist Max Boot that warned Trump returning to the presidency would be the “death knell” for democracy.
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Cryptocurrency giant Coinbase Global’s stock-market debut on Wednesday is expected to be a blockbuster, though doubts persist about a lofty valuation for the digital currency exchange.
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With the coronavirus pandemic delaying the F1 season indefinitely, Laurence Edmondson looks at how F1 can salvage anything close to a full season once normality resumes.
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If you have a business credit card, you probably think it isn’t affecting your personal credit profile. While ideally this would absolutely be the case, the fact it, it could be. There are ways to keep your business debt off your personal credit report, but it isn’t something that happens automatically. There is a very specific process that actually takes some time.
It also has to be intentional. A business owner must be active about building business credit. It doesn’t happen passively. The idea is to set up your business in a way that it easily exists in the eyes of credit reporting agencies (CRAs) and lenders as an entity separate from yourself. How do you do that? After you do, how do you get accounts that will report to the CRAs before you have a business credit score?
We can answer all these questions and more. We can walk you through the process and show you not only how to establish business credit that will not show up on your personal credit profile, but how to build it so that it is strong enough to qualify for any financing you may need.
One major misunderstanding when it comes to business credit is that if you have a business credit card, it isn’t on your personal credit profile. While this can be true, if you haven’t actively built business credit and you did not apply for the credit card with your business information, it likely is not true. The fact is, that card is a personal credit card that has a few extra perks due to its business designation. It is not actually a credit card that is based on the merits of your business credit profile. If a business credit card is in the owner’s name, it is on the owner’s personal credit profile.
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The question then becomes how do you separate your business from yourself. Many new small business owners operate as a sole proprietorship because it is just easier. They simply use their own contact information as their business contact information, and business finances mingle with personal finances.
When it comes to establishing business credit however, this just will not work. Here is what you need to do.
The first step is to incorporate. There are three options for this.
The option you choose will depend on your specific tax and liability needs, as they each offer different levels of protection and expenses.
You need to apply for an EIN. Stop using your Social Security Number as the identifying number for your business. Your SSN is a direct link to you personally. It is virtually guaranteed that anything connected to it credit wise will end up on your personal credit reports.
In fact, even if you follow all the other steps for establishing business credit but skip this one, accounts could end up on both reports. You don’t want that.
The process of applying for and EIN is easy. The IRS has an online form, and as soon as they verify all the information, you receive your number. It typically happens almost immediately.
Dun and Bradstreet (D&B) is the most widely used business credit reporting agency. They issue each business on file a 9-digit D-U-N-S number. Application is easy and free, and once you have that number, you will be even closer to establishing credit for your business separate from your own.
Your business needs its own phone number and address. This way, when you apply for credit, you can enter contact information that is separate from your own. When information is reported to agencies, sometimes the phone number and address are used as identifying factors. If you and your business share a number and address, that just decreases the level of separation.
Be sure you get your contact information listed in the directory under your business name.
If you don’t have one already, you need a dedicated business bank account in the business name. Make sure all business expenses run through this account. Not only does this help separate you from your business, but it will keep business expenses separate from personal expenses for tax purposes as well.
A lot of business owners do not realize how important this is. Truly, these days if you do not have a website, you do not exist. However, your business website needs to be professionally built and hosted on a paid service such as GoDaddy. The email address needs to have the same URL as the website. Free web hosting and free email services such as Gmail and Yahoo do not work well.
These things make your business look fundable to lenders. This is the first step to building business credit.
If you are a new business and just starting with vendors, look for those that will extend credit and report to the top credit agencies. We call this the vendor credit tier.
Share our foolproof business credit building checklist and tell your friends about how you’re building business credit the quick and easy way.
If you have been around for a while and do not have credit with your existing vendors, ask for it. If they comply, ask if they currently report to the credit agencies, or if they will. Not all vendors do because it is not required. Not all are willing either. If your current vendors do not want to cooperate in this endeavor, consider switching to vendors that will.
Here are some of the starter vendors that are the easiest to get started with.
o Use Quill to order supplies you use every day, including pens, pencils, folders, printer ink, copy paper, and even cleaning supplies.
o Order shipping supplies, janitorial equipment, and more through Uline.
o Grainger offers industrial supplies as well as tools that you will need in the course of regular business.
It may be necessary to place a few initial orders with each of these before you can get net terms. There is no need to order anything you do not need however. They each sell things that business owners need in the everyday operations of a business. Once you make your on-time invoice payments and they begin reporting those payments to the credit agencies, your credit score will start to grow.
Sometimes utility companies are willing to report payments to credit agencies. However, you almost always have to ask. The worst they can do is refuse. If they do, no damage is done. If they agree, you will only establish your business credit faster.
Talk to them all, including telephone, electric, gas, and even internet. Before you do this, be certain that all of these utilities are in your business name with your business contact information.
Taking these steps will help you establish separate credit for your business. That means your business credit cards and other business credit accounts will not show up on your personal credit profile. However, it is virtually impossible for the reverse of this to hold true all the time.
It’s true, your personal credit accounts will not show up on your business credit report. However, your personal credit can still affect your ability to get a loan even if you are using business credit. It doesn’t always, but it can. Here’s how.
First, some lenders insist on checking personal credit even if you have business credit. The thing is, if your personal credit isn’t up to par but you have strong business credit, you are more likely to get the loan anyway. That not so great personal credit score can affect your terms and rates however.
The other way that your personal credit profile can affect your business credit is this. Some CRAs actually use your personal credit in the calculation of your business credit score. While not all of them do this, there is really no way to know which of the CRAs your lender will choose to use.
The moral of this story is that you cannot ignore your personal credit profile while you are building business credit. You have to stay on top of your complete credit history.
You may be wondering why it matters. If your personal credit can affect things anyway, wouldn’t it be easier to just have everything in one place? The answer is a resounding no. In the long term, not having separate business credit is a bad idea.
The thing is, even if you make all your payments on time, your personal credit cannot handle the level of spending that running a business requires. Business credit cards that you get on your business credit have higher spending limits. These higher limits are designed to handle the larger spending amounts necessary to run a business.
Why does that matter? Well, when you carry balances at or near your credit limit, your debt-to-credit ratio goes up. A high debt-to-credit ratio has a negative impact on your personal credit score. With the level of monthly spending that most businesses require regularly, it is all but impossible to keep a low debt-to-credit ratio with business accounts on your personal credit profile, even with an immaculate credit history. This can impede your ability to get personal financing for things such as houses, home renovation, automobiles, and more.
Share our foolproof business credit building checklist and tell your friends about how you’re building business credit the quick and easy way.
How can you know if your business cards are affecting your personal credit? Well, if you have not taken the steps necessary to separate your business credit from your personal credit, you can bet for sure this is happening. To know for certain, get a free copy of your personal credit report from each of the main personal credit CRAs. These include Experian, Equifax, and Transunion. You should be able to see them on there.
If you have strong business credit, call the credit card company and inquire about shutting down the card on your personal account and switching to a card on your business credit. If you do not yet have strong business credit, start building it now. When you have a high enough business credit score, take the steps necessary to remove the card that is on your personal credit and open new ones using your business credit.
If you aren’t sure if this is happening to you, or if you didn’t even know it was possible, find out now. Get copies of your personal credit profile and see what is on there. At the same time, start building business credit if you do not have it already. Then you can access all the funding you need to ensure your business is able to continue to grow and thrive.
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