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Stroll your local mall and you may spot some empty storefronts where mannequins once stood draped in the latest fashions ¡ª possible casualties of what some have dubbed the ¡°retail apocalypse.¡±Not everyone agrees it¡¯s all doom and gloom for brick-and-mortar stores, but challenges certainly exist. Major retailers have announced plans to close thousands of locations in the U.S., and the final tally for 2017 could number around 9,500 stores, according to projections from Fung Global Retail & Technology, an industry think tank.But just because a store turns out its lights doesn¡¯t mean the end is also nigh for your store credit card. Its fate depends on the retailer¡¯s business plans and decisions made by the bank that issues the card. The better you understand the process, the better you can manage your credit and keep it in good standing. 857

The banana phone is back.A startup that licenses the Nokia phone brand has unveiled a new version of the 8110, a curved mobile phone that was first released in 1996 and featured in "The Matrix."The phone, which is offered in banana yellow and black, will sell for €79 (). It comes loaded with a new version of the game Snake, Finnish startup HMD said in a statement."This is a return to the glory years of Nokia," said Ian Fogg, senior analyst at IHS Markit. "But it also includes all the new technology."The 8110 comes with 4G, and a handful of apps including Google Maps, Facebook and Twitter. But it doesn't have a flashy operating system and users won't be able to download other popular apps.Fogg said that basic -- or "feature" -- phones are appealing because they are reliable, and can run for a long time on a single charge. The 8110 goes 25 days in standby mode, for example.Nokia used to be the world's largest maker of mobile phones, but it struggled to adapt to the era of smartphones and compete with the likes of Apple and Samsung.Microsoft purchased the company's handset business in 2013, but later unwound the deal. Nokia now focuses on making technology for telecommunications networks.HMD, which has licensed the Nokia brand since 2016, sold over 70 million handsets in 2017, according to IHS. That puts its sales, on an annualized basis, in the same league as Sony and Lenovo."HMD's strategy clearly aims to return Nokia to be a mobile market leader, even if it's too early for HMD to realistically target displacing Samsung or Apple," Fogg said.Nokia marketed the original 8110 as "the first of its kind in terms of its ergonomics." Its battery lasted up to six days, and it was able to store 16 ring tones and up to 324 names and numbers."It feels good in the hand and fits into any pocket. The revolutionary curved design fits the natural shape of your face," the company said in a press release at the time.  1948

Stitch by stitch, Juanita Martinez is creating a better future for her family and her community.¡°As a woman and a Hispanic, I think that I¡¯m really proud of what we¡¯ve done,¡± she said.Martinez is a co-owner of Three Amigos Graphics, a mother daughter-run business in Houston, Texas, with the third amigo being their neighborhood.¡°They love us,¡± Martinez said of her community. ¡°I don¡¯t know how else to put it. They take care of us and they make sure that we¡¯re okay and that¡¯s part of the community that we¡¯re in.¡±Martinez runs one of more than 600,000 thousand Hispanic-owned businesses in the United States. According to the Houston Hispanic Chamber of Commerce, those businesses account for almost trillion in annual economic spending in areas ranging from, what experts describe as, the barrio to the boardroom.¡°That community has continued to mature in terms of their education and their buying power, so the number trillion doesn¡¯t surprise me,¡± said Randy Velarde, president of The Plaza Group, an international petrochemical marketing group.While Hispanics continue to add and impact the nation¡¯s economy, Velarde is promoting quality over quantity.¡°I¡¯m hopeful and encouraged by our ability to be more influential in other parts of society,¡± he said.In 2019, the number of Hispanics reached 60.6 million, making up 18% of the U.S. population, according to the Houston Hispanic Chamber of Commerce.¡°As go Hispanics goes Houston and in this case as go Hispanics so goes the United States,¡± said Dr. Laura Murillo, president the Houston Hispanic Chamber of Commerce. She says Hispanics account for roughly a quarter of the U.S. gross domestic product and she hopes corporate America starts taking better notice.¡°Latinos have made many strides,¡± Murillo said. ¡°We should continue to aspire to be in high places but never forget that many of us came from Navigation.¡±Back on Navigation Blvd., Three Amigos Graphics continues working to better their local economy and their community.¡°It¡¯s nice to have money but we¡¯re not in it to be rich,¡± Martinez said. ¡°We want to make sure when I do good my neighborhood is doing well.¡± 2140

The ACT, the standardized test used for college admissions, has a backlog of scores that still have not gone out to students, and it is causing some to miss out on applying to schools and scholarships.¡°There¡¯s a lot of anxiety riding on it,¡± said Sarah Horner, whose daughter, Riley, who hopes to go to the University of Illinois next year. ¡°I¡¯ve watched her get all excited to take [the ACT], and [now] she¡¯s just done, and that¡¯s how a lot of the kids are.¡±As a senior in high school, Horner is waiting on scores from her ACT, a test she was scheduled to take in April but was not able to until June.¡°It¡¯s been very tough watching her struggle,¡± said Horner ¡°And it¡¯s not just me. There are parents all over the United States that are just as upset about this.¡±Once COVID hit, ACT tests were canceled and rescheduled for the summer. At the same time, the ACT had scheduled to launch a new website feature that overloaded its system and caused it to crash.For parents and students who typically receive scores within two to three weeks of the test, it left them scrambling to find recourse.¡°It¡¯s devastating. Yes, it is honestly devastating,¡± said Cecilia Walker, whose son, Seth, was supposed to take the test in March but was rescheduled for July.¡°It¡¯s pretty much universal,¡± Seth Walker said. ¡°All of my friends are having the same issues of getting hung up on by the ACT.¡±Walker is confident he will get into Auburn University. What he is not confident about is the ,000 per year scholarship he is applying for since he hasn't received his ACT score.¡°It¡¯s the difference between a ,000 a year scholarship and nothing,¡± said Cecilia Walker. ¡°[For] parents that have been planning that, all of that has been pulled out within a year of your student going to college.¡±In an email, the ACT said, "We know this has been extremely frustrating for parents and students. For weeks, we¡¯ve been working non-stop to improve the experience of engaging with ACT, and we¡¯ll continue to do so to ensure students have every opportunity to achieve success.¡±It added it will continue to roll out scores through August 31. 2123

The American Heart Association highlighted findings on Friday indicating the coronavirus may cause more heart damage than previously believed.The AHA says that inflammation of the vascular system and injury to the heart occurs in 20 to 30 percent of all hospitalized coronavirus patients. The heart damage results in the 40% of all coronavirus-related deaths, the American Heart Association said.Studies have suggested that 8 to 12 percent of all coronavirus infections have caused heart damage. There is also concern that the resulting heart damage causes a greater risk for heart attacks, strokes, and other cardiovascular-related illnesses even following recovery.¡°Much remains to be learned about COVID-19 infection and the heart. Although we think of the lungs being the primary target, there are frequent biomarker elevations noted in infected patients that are usually associated with acute heart injury. Moreover, several devastating complications of COVID-19 are cardiac in nature and may result in lingering cardiac dysfunction beyond the course of the viral illness itself,¡± said Mitchell S. V. Elkind, president of the American Heart Association.The American Heart Associated is working with 150 US hospitals and 14,000 patients to better understand the virus¡¯ impact to the heart. 1301

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