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President Donald Trump’s campaign is blasting Joe Biden’s vice presidential pick, calling Sen. Kamala Harris “phony.”In a statement, Trump adviser Katrina Pierson says Harris “will abandon her own morals, as well as try to bury her record as a prosecutor, in order to appease the anti-police extremists controlling the Democrat Party.”Pierson says Harris has “gleefully embraced the left’s radical manifesto, calling for trillions of dollars in new taxes and backing Bernie Sanders’ government takeover of healthcare.”Pierson calls Harris “proof that Joe Biden is an empty shell being filled with the extreme agenda of the radicals on the left.”For weeks, Trump’s campaign promised an aggressive response against whomever was selected by Biden as his running mate.Says Pierson, “At the ballot box, Americans will resoundingly reject the abysmal failures of Biden-Harris in favor of the America First strength of President Donald Trump and Vice President Mike Pence.”__4:17 p.m.Joe Biden has chosen California Sen. Kamala Harris as his running mate. It’s a move that fulfills the wish of Democrats clamoring to see a woman of color on a major party’s presidential ticket for the first time in history.The 55-year-old Harris was elected to the Senate in 2016 after serving as California’s attorney general. Harris competed against Biden for the Democratic presidential nomination but left the race before voting began as she struggled to raise money.One of Harris’ standout moments of her presidential campaign came at the expense of Biden, when she slammed his past opposition to school busing. 1601

President Donald Trump's son-in-law and senior adviser, Jared Kushner, had his White House security clearance restored Wednesday, a person familiar with the matter said, after months of uncertainty stemming in part from his role in the ongoing investigation by special counsel Robert Mueller.Kushner was stripped of his interim clearance in February amid an overhaul of procedures governing access to the nation's most sensitive secrets following the resignation of Rob Porter, the President's staff secretary, who had been allowed to remain in his post for months despite allegations of spouse abuse.The Mueller probe has also hung over Kushner's status in the White House, in part because some of the matters under investigation relate to his role during the campaign and the transition, including contacts with Russians, as well as events that occurred in the early months of the Trump presidency, such as the firing of former FBI Director James Comey.In April, Kushner met with Mueller's investigators for a second time and answered questions for seven hours, according to his attorney, Abbe Lowell. He had previously sat for an interview last November that was largely focused on former national security adviser Michael Flynn, who soon after pleaded guilty to charges of making false statements to the FBI.White House officials have blamed the delay in Kushner receiving his security clearance on administrative backlogs normal to a new administration, as well as the complicated nature of his application. But Kushner's troubles were compounded at least in part because his initial security clearance application didn't list dozens of foreign contacts that he later included in updated submissions to the FBI.Kushner's initial SF-86 form did not mention any foreign contacts, though he quickly supplemented it to indicate that he would provide that information. He updated the form in the spring, listing about 100 contacts, but did not mention the June 2016 Trump Tower meeting he attended with Russian lawyer Natalia Veselnitskaya, Donald Trump Jr., and former Trump campaign chairman Paul Manafort. Kushner updated the SF-86 forms once more in June to include that meeting. 2191

Restaurant servers dodged a bullet this week with a provision tucked into the .3 trillion federal spending bill.Late last year, the Department of Labor proposed a rule?that would have authorized restaurants to share tips between servers and cooks. That would allow employers to keep some tip money for themselves, as long as each worker made at least the full federal minimum wage of .25 an hour.Workers' rights groups argued the rule change would lower the pay of those who work at restaurants, hotels and bars. Opponents of the rule held splashy public protests. The Labor Department received more than 218,000 mostly negative comments on the proposal.It appeared to have worked. The spending bill, which President Donald Trump signed into law on Friday, includes a section that makes it clear that employers may not pocket any portion of tips that diners leave for workers."We beat them," said Saru Jayaraman, president of the nonprofit Restaurant Opportunities Center. "I think they realized how outrageous what they were proposing sounded to the public, and basically they backed down."Representatives for the restaurant industry, however, are also pleased.The National Restaurant Association said it never asked for employers to be allowed to keep tips in the first place. Angelo Amador, senior VP at the trade group, argued that most employers wouldn't skim tips even if they were allowed to."A decision by a restaurant to retain some or all of the customer tips rather than distributing them to the hourly staff would be unpopular with employees and guests alike, and it could severely damage the public's perception of the restaurant," Amador wrote in his comment on the proposed rule.The left-leaning Economic Policy Institute disagreed, saying that many employers take a portion of tips even in places where it's forbidden, and would do so even more often if it were legal. In a recent report, it estimated that servers would lose some .8 billion in tips annually to their employers.The language in the spending bill also effectively does another big thing: It allows employers to pool tips and distribute them among staff, as long as the employer also pays the full minimum wage. Many owners have long sought to boost the pay of kitchen workers and bussers by forcing servers to share their tips."We want to ensure that servers, bussers, dishwashers, cooks, and others who work as a team to provide great customer service in the industry have access to share in tips left by customers, as this legislation clearly allows," said Amador.That's fine with labor advocates at the National Employment Law Project, who say that pooling tips is a good way to create wage equity, as long workers are paid the full minimum wage and tips aren't shared with managers or any other supervisors. "We enthusiastically support this compromise," said Judy Conti, the group's director of federal affairs.Going forward, however, there may be less agreement between workers' rights advocates and the National Restaurant Association.Currently, the federal minimum wage for workers who get tips is .13 an hour. Seven states have done away with the two tiers and made the minimum for tipped workers the same as it is for employees who earn regular wages.Many cities and states have already raised their overall minimum wages, as the federal level has remained unchanged since 2009. The question of eliminating lower tipped minimum wages will be on the ballot this year in Washington, D.C., and Michigan and New York is considering the proposal.All of these efforts have generally come over the objections of the restaurant industry, which argues that the economy and nature of the jobs have changed."The minimum wage, with all due respect, is a 1938 income support system for a workforce that worked in manufacturing and agriculture," said Cicely Simpson, executive vice president for public affairs at the National Restaurant Association, at a panel discussion?last month. "In our workforce, we have people who drive an Uber during the day and work in restaurants at night. They have no desire to spend their entire career in an entire industry."Simpson later softened her stance and said that the National Restaurant Association would like to see policies such as the minimum wage and overtime thresholds be "updated," not trashed entirely. 4411

President Donald Trump's moves on the Deferred Action for Childhood Arrivals program found an unlikely defender Wednesday night: former President Jimmy Carter.The Democratic former commander in chief told town hall attendees at Emory University to "give him credit" for not doing away with the deferred action program completely."To give Trump some due, he hasn't ended DACA yet," Carter said. "What he's said is he has given Congress six months to address the issue, which is long overdue.""It's very difficult because when (President Barack) Obama had a Democratic House and Senate, he didn't do it," he added, pointing to a long history of failed -- and often bipartisan -- efforts to pass comprehensive immigration reform.Carter suggested that a highly publicized six-month ultimatum might be what's needed to spur Congress to action."I don't think it's a hopeless case. I think the pressure and the publicity that Trump has brought to the immigration issue may have stimulated both Democrats and Republicans in the House and Senate to be more accommodating in this longstanding argument," he said.Carter's comments happened before reports emerged from a Wednesday evening meeting at the White House, at which it appeared that the President and Democratic leaders were moving closer to a deal to protect the hundreds of thousands of undocumented immigrants brought to the US as minors. However, the parameters of such a deal -- including whether it will include pathway to citizenship or funding for a border wall -- remain unclear. Although Trump asserted numerous times Thursday that House Speaker Paul Ryan and Senate Majority Leader Mitch McConnell are "very much on board" with his plans, Republicans on Capitol Hill maintain that there has been "no agreement."Carter also gave advice to his successor."I would say to promote human rights, to keep our country at peace, and to tell the truth," Carter said of his words of wisdom for Trump. "I would like to see the United States of America, I'd say once again, become the foremost champion of human rights on earth."At a separate town hall the night before, Carter slammed Trump's response to North Korea, saying the North Koreans needed to be treated with respect. He also cast doubt on Trump's ability to engineer peace in the Middle East.The 92-year-old lamented the extreme partisanship in government affairs, saying he believes the US is at its most fragmented since the Civil War. He also slammed the increase in lobbying and campaign contributions in contemporary elections."I would say the most serious threat to our democracy is making ourselves even more like an oligarchy," he said. "America ... used to be one of our finest democracies on Earth and as I said, it's become primarily an oligarchy." 2800

President-elect Joe Biden’s proposal to forgive ,000 of federal student debt as COVID relief could erase loan balances for 15 million borrowers and reduce balances for millions more, according to federal data.Broad student loan forgiveness could affect 45.3 million borrowers with federal student loan debt who owe a total of .54 trillion to the government. Wiping out ,000 each — as Biden calls for — would result in up to 9 billion canceled.Seth Frotman, executive director of the Student Borrower Protection Center, says removing the student loans “albatross around their financial lives” could mean the difference for consumers who aspire to buy a house, save for retirement or start a business.“Student loan borrowers across the spectrum — old, young, urban, rural, high-balance, low-balance, Black, white — are hurting with their student loans, and that was before COVID even hit,” Frotman says.For now, Biden’s proposal is just an amount, with no details to answer questions about which loans might be canceled, whether forgiven amounts would be taxed and if borrowers would have defaulted loans removed from their credit history. It also faces huge hurdles politically.But here’s how ,000 in forgiveness could affect some categories of borrowers.For 15 million borrowers, a slate wiped cleanMore than a third of federal borrowers could see their balances fall to zero with ,000 in debt cancelation. Among those, 7.9 million owe less than ,000 in student loans and 7.4 million owe between ,000 and ,000, according to federal data.These are also the borrowers most likely to default on their loans. Over half of those who default (52%) have less than ,000 of federal undergraduate debt, according to an analysis of federal data by The Institute for College Access and Success, or TICAS.That’s because those with lower debt amounts often have not completed their schooling, so they don’t reap the benefits of a degree that leads to a better paying job. Among those who default, 49% did not complete their program of study, TICAS found.Default has severe consequences: It can sabotage credit scores and trigger collection efforts that can include seizure of tax refunds and Social Security payments.Many of these borrowers are current on their payments. For them, forgiveness could help, but it might not be much of a boon to the overall economy, says Betsy Mayotte, president and founder of The Institute of Student Loan Advisors.“If you owe ,000 and your payment is 0 — and that’s a lot of money to a lot of people — but you all of a sudden don’t have to pay 0 a month, I don’t see that 0 being put toward something that will stimulate the economy,” Mayotte says.For 19 million borrowers, some breathing roomThe typical student leaves school with around ,000 in debt, according to TICAS, an amount that can grow quickly with interest if students pause payments or go on repayment plans that allow them to make lower payments.Nearly 19 million borrowers owe between ,000 and ,000 in federal student loans, according to federal data. Without detailed execution plans from the Biden team, it’s trickier to say how these borrowers would be affected.For example, cancellation might not reduce the amount they pay each month, but it could draw their end date closer and lower the total amount they’d pay overall, due to interest. Or it might wipe out one loan completely but leave payments on others intact.For 11 million borrowers, a drop in the bucketHigher income households, as a whole, are the ones that hold the most debt.The high debt/high earner correlation makes sense because those who make more money tend to have more advanced education, according to findings from Georgetown University Center for Education and the Workforce. To get those advanced degrees, students rack up debt in the process.More than 8 million people owe the government between ,000 and 0,000 in student loans. An additional 3.2 million borrowers owe more than 0,000 on their federal loans, data show.A borrower repaying 0,000 on the standard federal 10-year plan at 5% interest would pay off the loans 15 months early if ,000 were forgiven.Forgiveness is still a big maybeThere’s also the question of how loan forgiveness could move forward: Will it be through Congress or executive action or not at all?“If anything can be done by executive action, [forgiveness] could happen very quickly,” says Robert Kelchen, associate professor of higher education at Seton Hall University. “I’m just not sure whether forgiving debt would withstand legal scrutiny.”Experts say any executive action could face lawsuits or be subject to judicial review, which would leave the fate of an order for forgiveness in the hands of the Supreme Court.“There are a lot of conservative judges, so I can imagine that many of them could be hostile to the policy,” says Wesley Whistle, senior advisor for policy and strategy, higher education at the public policy think tank New America.Mayotte said she is doubtful borrowers will see straight forgiveness since the reach of this type of pandemic relief wouldn’t be as broad as, say, providing supplemental unemployment or propping up small businesses.Forgiveness won’t happen before payments restartBiden proposed his forgiveness measure as part of COVID-related relief, but experts say there’s an even more pressing student loan concern that will come to a head before Biden starts his term — the end of the payment pause for student loan borrowers, which is set to sunset after Dec. 31.Doug Webber, associate professor of economics at Temple University, says he’s worried about the pitfalls of going “zero to 60” in one day with reinstating loan payments for a population that isn’t ready.“Once you give people a benefit, it’s always harder to take it back,” Webber says.The payment pause, known as a forbearance, has been in effect since March as part of the first coronavirus relief bill. President Donald Trump extended the relief through the end of the year, but neither the outgoing or incoming administration has committed to extending it again.While borrowers await the fate of forgiveness, they should contact their servicer to get enrolled in an income-driven repayment plan if they won’t be able to afford their payments. These plans set payments at a portion of their income and can be as low as zero if they’re unemployed.NerdWallet writer Ryan Lane contributed additional reporting to this story.More From NerdWallet10+ Student Loan Forgiveness Programs That Discharge LoansFederal Loans Are Paused Until 2021 — Should You Pay Anyway?Income-Driven Repayment: Is It Right for You?Anna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 6765

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