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President Donald Trump, and former Presidents Barack Obama and George W. Bush were among many who expressed their sympathies late Friday following the death of President George H.W. Bush. Bush died on Friday. A cause of his death is unknown. "America has lost a patriot and humble servant in George Herbert Walker Bush," Obama said. "While our hearts are heavy today, they are also filled with gratitude. Not merely for the years he spent as our forty-first President, but for the more than 70 years he spent in devoted service to the country he loved – from a decorated Naval aviator who nearly gave his life in World War II, to Commander-in-Chief of our Armed Forces, with plenty of posts along the way. Ambassador to the United Nations. Director of Central Intelligence. U.S. Envoy to China. Vice President of the United States."George H.W. Bush’s life is a testament to the notion that public service is a noble, joyous calling. And he did tremendous good along the journey," President Donald Trump, who is attending the G20 conference in Buenos Aries, released a statement early Saturday morning hailing Bush as a person with "sound judgment, common sense and unflappable leadership." "President Bush always found a way to set the bar higher," Trump said. "As a young man, he captained the Yale baseball team, and then went on to serve as the youngest aviator in the United States Navy during the Second World War. Later in life, he rose to the pinnacle of American politics as a Congressman from Texas, envoy to China, Director of Central Intelligence, Vice President of eight years to President Ronald Reagan, and finally President of the United States."Bush's son George W. Bush, who served as the nation's 43rd president, released a statement on Friday on behalf of the entire family. "Jeb, Neil, Marvin, Doro, and I are saddened to announce that after 94 remarkable years, our dear Dad has died," President George W. Bush said in a statement. "George H. W. Bush was a man of the highest character and the best dad a son or daughter could ask for. The entire Bush family is deeply grateful for 41’s life and love, for the compassion of those who have cared and prayed for Dad, and for the condolences of our friends and fellow citizens." 2294

Retail stores everywhere are feeling the pressure. If they don't get people into their doors, they could be the next Sears, J.C. Penny or Toys “R” Us.  Retail experts say 3,000 stores have closed just this year.  It's a vicious cycle, with more people shopping online, more stores close. And malls take a hit with stores closing."If it's a three-anchor store and two anchors close, then you're probably done," explains real estate expert Greg Maloney.Maloney says don’t be fooled though. He says malls aren't dying, instead, they are reinventing themselves.  "We need to make the shopping experience a lot more exciting," he says.Just like it was in the 80s, the movie theater at malls made a comeback to get people in the doors.There's a mall in Nashville, Tennessee that opened a Madame Tussaud wax museum to attract shoppers. In providence, Rhode Island turned the second level into apartments to really keep people from leaving.With mall reinventing themselves, Maloney says you’ll really notice change at the department stores. "I don't think they will completely go away, but I think they will be downsized,” Maloney says. “They will be smaller and fewer of them.”As for vacant spots in malls: get ready to see more online stores like Bonobos, UNTUCKit and Amazon open up brick and mortar stores, allowing shoppers to have the best of both worlds. 1381

Republicans will keep control of the U.S. Senate following midterm elections on Tuesday.The GOP made good on a favorable map in the Senate and increased its majority after an acerbic midterm election that enshrined America's deep political divides and shaped a highly contentious battleground for the stirring 2020 presidential race.Republicans moved to close off the Democratic path to a Senate majority when challenger Mike Braun beat Indiana Sen. Joe Donnelly, and Marsha Blackburn won in Tennessee, according to CNN projections. Republicans later picked up their second Democratic Senate seat of the night when Kevin Cramer beat one Sen. Heidi Heitkamp in North Dakota, CNN projected.There was a blow for Democratic morale as Texas Sen. Ted Cruz held off a stronger than expected challenge from Beto O'Rourke to win a second term, CNN projected. In one result that did not come as a surprise, former Republican presidential nominee Mitt Romney won a Senate seat in Utah.Below is a timeline of how more races unfolded Tuesday evening:11 PM EASTERN — UPDATE: 1068

President Donald Trump started his Sunday morning by lashing out at special counsel Robert Mueller's team, former FBI Deputy Director Andrew McCabe, and former FBI Director James Comey.Just a day after news that Mueller had interviewed McCabe and asked him about Comey's firing, Trump attacked the special counsel's team, seeming to suggest it has a partisan bias."Why does the Mueller team have 13 hardened Democrats, some big Crooked Hillary supporters, and Zero Republicans? Another Dem recently added...does anyone think this is fair? And yet, there is NO COLLUSION!," Trump wrote on Twitter. 614

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