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Starbucks wants to transform some of its stores to prioritize customers who order online, according to an SEC filing.The coffee chain says it is accelerating plans to improve drive-thru and curbside pick-up options due to the coronavirus pandemic.In its filing, Starbucks says it plans to open 300 locations that "specialize" in pick-up and carry-out orders. The company also says the move will require the closure of about 400 of its current cafes.Starbucks says it will make the change over the next 18 months.CNN reports that Starbucks was already re-evaluating its strategy prior to the pandemic, as "80% of transactions at nearly 15,000 US stores are 'on-the-go' purchases."At the peak of the pandemic, when local governments forced the closure of restaurant dining rooms, Starbucks continued to operate many of its locations exclusively through drive-thrus and online ordering. 891

The 2017 World Series is one for the ages and it seems as though every game was decided by the smallest of margins – that's why one gambler's undefeated record is amazing.The mystery gambler was discovered by Pregame.com's R.J. Bell and Bell has been following his earnings from the start.After Game 5 of the World Series, attention picked up around the large amounts of money the gambler was laying down at sports books. 429

The biggest shopping day on the planet raked in an eye-popping .4 billion.Chinese e-commerce giant Alibaba said Saturday that sales soared past billion after just 13 hours of the retail blitz known as Singles Day, eclipsing the .8 billion it managed in the full 24 hours last year.Singles Day, a bonanza of online spending in China, has for years racked up more sales than Black Friday and Cyber Monday combined.Earlier in the day, Alibaba said eager shoppers had managed to spend billion in just 2 minutes.As the clock struck midnight in Shanghai, the final sales tally rang in at ,386,927,848, marking about a 40% increase over last year's record-setting sales total.Singles Day started out as an informal holiday in China celebrating single people on a day that epitomizes not being paired off: 11/11. Alibaba turned it into a festival of discount deals in 2009.Alibaba has used the now-massive event to lure international companies onto its platforms. More than 40% of the brands taking part this year came from outside China, according to research firm eMarketer Retail.And while Singles Day still mostly targets Chinese consumers, it's also increasingly spreading to other countries, experts say.Local players in Southeast Asia like Lazada (an Alibaba subsidiary), Zalora and Shopee launched their own Singles Day promotions this year, said Xiaofeng Wang, an analyst with research firm Forrester.The event is also evolving beyond its original conception as an online shopping spree.Alibaba and its main Chinese rival, JD.com, have both made significant investments in brick-and-mortar businesses. And they're using the popularity of Singles Day to drive shoppers to offline stores, too.Cosmetics giant L'Oreal, for example, set up an interactive mirror at its Shanghai store where shoppers could try on virtual makeup using augmented reality and then order products on a touch screen linked to an Alibaba platform.But beyond the blockbuster sales, Singles Day also creates an enormous amount of waste.Greenpeace said the manufacturing, packaging and shipping linked to the event produced 258,000 tons of carbon dioxide emissions last year. It would take about 2.6 billion trees to absorb it all.The environmental activist group estimates this year's shopping blitz is on track to leave an even bigger carbon footprint."More over-consumption means more CO2 emissions and waste," said Greenpeace campaigner Nie Li. 2442

SYLMAR, Calif. (KGTV) -- Authorities announced that a missing Los Angeles mother and her three children were safely located at the San Ysidro Port of Entry in south San Diego County.The young family disappeared from their home in Sylmar on Oct. 9, according to authorities.Liliana Lopez's three children, who were also missing since Oct. 9, were found when they entered the U.S. from Mexico at the border crossing.Los Angeles police detectives were interviewing Lopez to determine the circumstances of her and her children's disappearance.A man who was identified as a possible suspect in their kidnapping, Esteban Lopez, is believed to be still in Mexico, according to authorities.Police were called to the 13600 block of Fellows Avenue at 9:27 p.m. on Oct. 9 and found that a possible kidnapping had occurred. Police continued to search for them even as the Saddleridge Fire started up the next day and raged throughout the area.Anyone with information on the case is asked to contact LAPD Det. Chamberlain or Det. Arroyo at (213)-486-6840. During non-business hours, calls can be directed to 1-877-LAPD-24-7. Anonymous tips can be provided to LA Regional Crime Stoppers at 1-800-222-TIPS.Information from station KABC in Los Angeles was used in this report. 1268

Students watching the COVID-19 pandemic play out have reason to be wary of taking on additional loans for college. With what could be a slow economic recovery, signing up for an additional bill that comes each month, no matter what, might sound like a bad idea.Federal student loan payments are currently paused. But those repayments are scheduled to resume next year before current students can take advantage of the halt. And while government income-based repayment plans and forbearance can offer a respite for economic hardships, interest still continues to add up. Private loans are even less forgiving and almost always require a co-signer.But there’s an alternative emerging: income share agreements, or ISAs. With these agreements, students borrow money from their school or a third-party provider and repay a fixed percentage of their future income for a predetermined amount of time after leaving school.Depending on the terms of the agreement and the student’s post-graduation salary, the total repaid could be much more or far less than the amount borrowed. It’s a gamble that could be worth it for students who’ve exhausted federal aid and scholarships. Here’s why.No co-signer requiredMost students need a co-signer to qualify for private student loans. Co-signers are on the hook for any missed payment, and a large balance can be a burden on their credit report. As families look to make ends meet, they may need that borrowing leverage for themselves.Income share agreements are co-signer-free. Instead of credit history, students typically get an ISA based on their year in school and major. The best terms are often reserved for students in high-earning majors near graduation, like seniors studying STEM fields. But high earners also risk having to repay a larger amount.If an income share agreement isn’t the right fit for you and you need additional funding without a co-signer, consider a private student loan designed for independent students. These loans are often based on your earning potential and don’t require co-signers. They may also offer flexible repayment options based on salary or career tenure.Unemployment safety netWith an income share agreement, if you’re unemployed — or if your salary falls below a certain threshold, which can be as low as ,000 or as high as ,000 — you don’t make payments. No interest accrues, and the term of your agreement doesn’t change.That makes these agreements a good option for students in times of economic uncertainty, says Ken Ruggiero, chairman and CEO of consumer finance company Goal Structured Solutions, which is the parent company of student loan providers Ascent and Skills Fund and provides funding for school-based ISAs.“I like the idea of not having to make a payment when you’re going into a recession or right after the recovery happened,” he says.If you’re a junior, senior or graduate student poised to enter the workforce soon, that could make an income share agreement more attractive. Tess Michaels, CEO of income share agreement provider Stride Funding, says she’s seen a significant increase in inquiries since the pandemic forced schools to shut down in March.But freshmen and sophomores have more time to wait out the economic fallout. If you’re further from starting your career, weigh the recession-related benefits of an income share agreement against the risk of giving up a percentage of your future income. Remember, you won’t know the total cost of an ISA when you sign up.But it’s not right for all studentsSome colleges offer income share agreements to all students regardless of major or tenure. Still, many of these programs prioritize upperclassmen, making it harder for freshmen and sophomores to qualify.But an income share agreement might be the wrong move even if you’re graduating soon. If your income is higher than average after graduation, you might pay much more than you received.Let’s say you get ,000 from a private ISA company and agree to pay 9% of your salary for five years. If you earn ,000 a year (the average starting salary for a college graduate) for the length of your term, you’ll repay ,950. That is equivalent to a 10.6% interest rate. In that case, a private student loan could be a better option. Fixed rates on private student loans are hovering around 4%, though independent students will likely pay more.And income share agreements have fewer protections for borrowers than student loans. Tariq Habash, head of investigations at the Student Borrower Protection Center, says that while consumer protection laws apply to these agreements, “ISA providers will say there isn’t really legal clarity because they’re new and different.” He said that he saw the same thing with payday loans and fears ISAs will take advantage of the most vulnerable students.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletHow to Get Student Loan Relief During the Coronavirus and BeyondCollege During COVID-19: Your Aid Questions AnsweredWhat to Do if There Isn’t COVID-19 Student Loan ForgivenessCecilia Clark is a writer at NerdWallet. Email: cclark@nerdwallet.com. 5166