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What impact will the new administration have on your money? Experts think another relief package could be one of their first actions in office.“There are a variety of ideas by lawmakers on both sides on how to either build on those ideas or even use new ideas, for example, expanding the child tax credit, and the earned income tax credit to help with economic relief,” said Garrett Watson, Senior Policy Analyst at Tax Foundation.The earliest anyone would see additional stimulus money would be early next year, separate from a stimulus bill.The Biden campaign talked about increasing overall spending or raising taxes on wealthier Americans and businesses to pay for it.“The most likely ones being the corporate tax increase raising from 21% up to 28%, and bringing the top individual income tax rate from 37% up to 39.6%, where it was prior to the Trump tax law in 2017,” said Watson.Which party has control of the Senate will impact if taxes are raised. Same goes for possibly raising the federal minimum wage. Congress would need to approve that.Experts say that likely puts us into 2022 before any major financial changes would take place. That's also the midterm elections and when another shift in balance of power could happen.Something that could affect your money and gain bipartisan support is changes in retirement savings.“The Biden campaign has come out with an interesting retirement proposal that if it did get traction, it would change the way traditional retirement accounts work by essentially converting the deductibility under current law of those traditional retirement accounts when you contribute into a matching credit instead,” said Watson. “And so that would change the way in which folks operate their traditional retirement accounts.”Bottom line, the outcome of the remaining Senate races will determine any changes to either providing or taking more money from Americans. 1910

WESTLAKE VILLAGE (CNS) - Westlake Village-based Guitar Center, the country's largest retailer of instruments and musical equipment, joined a growing list of companies impacted by the economic toll of the COVID-19 pandemic, filing for bankruptcy, according to a report Sunday.Guitar Center has about 300 stores across the U.S., and its sister brands include Music & Arts, which has more than 200 stores specializing in band and orchestral instruments for sale and rent, according to the Los Angeles Times.The filing in the Eastern District of Virginia gives the company a break on its debts by letting it stay in business as it seeks to carry out a restructuring plan, the Times reported.According to the report, a restructuring support agreement announced Nov. 13 requires new financing backed by existing creditors, in addition to 5 million in new equity investments from its parent company, Ares Management Corp., as well as the Carlyle Group and Brigade Capital Management.Moody's Investor Service explained that the coronavirus shutdown has hit nonessential retailers hard, and that Guitar Center was particularly vulnerable because musical instruments are highly discretionary item. The company's stores were shut down in mid-March when the pandemic began in earnest. Since then, the Times reported, it has reopened some locations while maintaining online operations.Guitar Center claims it has liabilities of between billion and billion, with a similar range for its assets, according to the filing.According to the report, Ares acquired the company in 2014 in an out-of-court restructuring of Guitar Center's substantial debt load, the result of a deal by Bain Capital LP in 2007 to take it private. 1728

When Allison Weiss Brady and Michael Ladin emerged from weeks of locking down during the pandemic, they needed new clothes in new sizes — for different reasons.Brady, 49, a charity fundraiser from a Philadelphia suburb, had been pulling back on her candy buying sprees during the lockdown and stepped up the cardio workouts at her home gym out of boredom. She lost 20 pounds and went down two sizes. In contrast, Ladin, 58, of Oak Park, Illinois, gained 10 pounds this past spring after sitting around eating chips and dip.“I’m not surprised. If I don’t work out consistently, I gain weight,” said Ladin, who works in marketing.Many Americans like Ladin and Brady are changing clothing sizes depending on how they spent their time sheltering at home. And brands from Levi Strauss & Co. to lingerie label Cosabella are taking note. So are body measuring technology companies, which report that shoppers are changing their measurements on their online profiles.The trend could be good for clothing companies — new sizes likely mean that customers’ wardrobes need to be updated. But retailers, already feeling the pain of decreased spending during uncertain economic times, are also facing an increase in costly returns as shoppers try to figure out their new sizes.“Anecdotally, we’re seeing shoppers come back into stores unsure of their size,” said Marc Rosen, executive vice president and president of Levi Strauss Americas, in a statement to The Associated Press. “For most, it’s been a long time since they’ve tried on a pair of jeans, and they may be up or down a size.”Some companies are even adding larger sizes in response to shoppers’ gaining weight, or what has been dubbed COVID-15.Guido Campello, co-CEO of luxury lingerie brands Cosabella and Journelle, said that his two brands have been adding more generous cuts of some of its most popular styles in bras and sleepwear in recent weeks because of interest from its 2,100 store accounts. Loyal customers at its store locations are also requesting new sizes while making more exchanges.Size fluctuations are bearing out in data from body measuring app Perfitly LLC. It cites a 20% increase in users redoing their avatars in April and May, compared with the same period a year ago, according to the company’s co-founder and CEO Dave Sharma. That spike is similar to what it sees in January after the winter holidays, he says.“Because it is a huge spike, we think it is because of the weight gain,” said Sharma, whose app has about 50,000 users nationwide. “They are sitting around, they don’t go to the gym, and they don’t go for jogs.”Fit Match, a startup firm that’s rolling out 3D technology to scan customers bodies at malls, found only one-third of the hundred women it surveyed in Texas where it piloted its first program had no weight change during the lockdown, says founder and CEO Haniff Brown. Of the remainder, 15% gained more than 5 pounds, while 20% lost more than five pounds. Brown called this change “pronounced,” noting two-thirds of customers typically don’t have any weight change during such a short time period.Narvar Inc., a software company that powers returns for more than 200 brands, says online returns have doubled from mid-March to early June, according to founder and CEO Amit Sharma. Retailers face more than 0 million in expenses from the additional returns in the second quarter, in part because of sizing issues but also because of buyers’ remorse and shipping delays.Brady took advantage of sales and spent several thousands of dollars in recent weeks on a new wardrobe that included, T-shirts, inexpensive summer dresses, and designer sweatshirts. She also sent her new measurements to her personal shoppers at Neiman Marcus and Saks.“I feel great. My (old) clothes are huge,” said Brady, who hadn’t modeled in years but was recently hired on by a local agency.Still, weight fluctuations may be here to stay as surges in new cases around the country force states like California to re-close businesses like gyms and encourage shoppers to shelter at home again.Lauren Wire a 32-year-old publicist who lives in Manhattan, says she worries that another lock down could keep her gym closed during the winter months.She gained back 12 of the 50 pounds she lost leading up to the pandemic because she was ordering in a lot from restaurants and partaking in social distance cocktails with friends. She says she bought new shorts and swimwear when she gained the weight but now she’s starting to shed pounds again by biking outside.Ladin went to a local Kohl’s to buy several pairs of shorts.“This will be enough to get me through the summer,” he said, trying on his new clothes in the Kohl’s parking lot because the store’s fitting room was temporarily closed out of safety concerns. “I am not buying any more clothes until I lose weight.”__________Follow Anne D’Innocenzio: http://twitter.com/ADInnocenzio 4912

While answering a question about how she would rule in potential Supreme Court cases involving LGBTQ+ people's rights during her confirmation hearing Tuesday, Judge Amy Coney Barrett used the term "sexual preference" — a term classified as "offensive" by GLAAD.Barrett used the term while denouncing discrimination against gay and lesbian people, during questioning by Senate Judiciary Committee Ranking Member Dianne Feinstein, D-California."Senator, I have no agenda, and I do want to be clear: I have never discriminated on the basis of sexual preference and would not ever discriminate on the basis of sexual preference," Barrett said. "Like racism, I think discrimination is abhorrent."Later in the day, Sen. Mazie Hirono, D-Hawaii, followed up with Barrett about the term."Sexual preference is an offensive and outdated term. It is used by anti-LGBTQ activists to suggest that sexual orientation is a choice. It is not. Sexual orientation is a key part of a person's identity," Hirono said.In response, Barrett apologized, saying "I certainly didn't mean and would never mean to use a term that would cause any offense in the LGBTQ community. So if I did, I greatly apologize for that."The term "sexual preference" is generally deemed to be outdated. On its website, GLAAD lists the term on its website as "one to avoid" as it implies that sexuality is a "choice" that can be "cured."Instead, GLAAD says the preferred term to use is "sexual orientation," saying it is the "accurate description" of "an individual's enduring physical, romantic and/or emotional attraction" to another person.Prior to Barrett's initial comment, Feinstein asked how she would rule in potential cases regarding LGBTQ+ rights given the judge's relationship with Justice Antonin Scalia, who dissented in the case that gave gay people the right to marry in 2015.While Barrett gave credit to Scalia, her former mentor, in her opening statements, she stated multiple times during Tuesday's questioning that she would be her own judge."You'll be getting Justice Barrett, not Justice Scalia," if confirmed, Barrett said Tuesday. 2114

WEST PALM BEACH, Florida — An Ohio man who flew to Palm Beach County in order to smoke a joint with President Donald Trump at Mar-a-Lago ended up under arrest instead, according to a sheriff's office report.The report says 27-year-old Tyler Jon Marrone of Columbus, Ohio, arrived at Palm Beach International Airport on April 18, the same day the president was hosting?Japanese Prime Minister Shinzo Abe in Palm Beach.Marrone said he found a credit card that he thought was a gift from God so: "I bought myself a plane ticket to Florida to go see the President," the report states.A detective investigating the case said Marrone intended to drive to Mar-a-Lago, walk in and talk to Mr. Trump about "the static and frequency feedback that I constantly hear emanating from my basement and from fans and in my head." He wanted to figure out what they are saying, the report noted.Marrone also admitted that he had been kicked out of the Supreme Court Building in Ohio as well as several courthouses, according to the report.It was decided that Marrone met criteria for the Baker Act, which allows for an individual to be involuntarily committed.An investigator said while checking Marrone's bag a white substance was discovered that later tested positive for methamphetamine. The sheriff's office charged Marrone with possession of a schedule II substance. 1400