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Stroll your local mall and you may spot some empty storefronts where mannequins once stood draped in the latest fashions — 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

Texas Democrat Beto O'Rourke is trailing in the polls in his race to unseat Republican Sen. Ted Cruz, but his effort is raising an unprecedented amount of money.O'Rourke's Senate campaign announced Friday a record-smashing third quarter fundraising haul of .1 million. It's the most ever raised in a quarter by a US Senate campaign.O'Rourke's campaign has obliterated fundraising records throughout the race, even as polls have consistently shown Cruz with a comfortable lead in the high-profile Senate contest. Last quarter, O'Rourke made headlines with what was then a record-breaking haul of .4 million.Cruz's campaign had an impressive third quarter itself, raising in million between July and the end of September. Neither campaign has yet announced their cash-on-hand total at the end of the third quarter, though O'Rourke led Cruz by over million at the end of the second quarter.The O'Rourke campaign, which has rejected PAC money, announced that the .1 million haul was "powered by 802,836 individual contributions," and said that the "majority of the fundraising c[ame] from Texas.""The people of Texas in all 254 counties are proving that when we reject PACs and come together not as Republicans or Democrats but as Texans and Americans, there's no stopping us," O'Rourke said in a statement. "This is a historic campaign of people: all people, all the time, everywhere, every single day -- that's how we're going to win this election and do something incredible for Texas and our country at this critical moment."Even as O'Rourke has enjoyed a fundraising bonanza driven by a series of viral campaign moments and the national media spotlight, the fundamentals of the race continue to favor Cruz. CNN rates the race as lean Republican.No Democrat has won statewide office in Texas since 1994, and a Quinnipiac University poll released this week found Cruz leading O'Rourke by 9 points, 54% to 45%. 1952

Ten people were killed in a series of wildfires thisweek in California, Oregon and Washington, the Associated Press reported. Another 16 people in Butte are listed as missing.The fires in Northern and Central California are so prevalent that the smoke and debris turned the sky over San Francisco bright orange on Wednesday evening.The New York Times reports that two people were found dead in a vehicle in connection with a wildfire just east of Salem, Oregon. Sheriff Joe Kast of Marion County, Oregon, told The Times that he feared officials could discover more bodies as rescue efforts continue. A third fatality in the stat was recorded about four hours south of Salem in the town of Ashland.Officials told The Times that the fatality in Washington was a 1-year-old boy who was killed by the Cold Springs Fire, which is currently burning in the northeast part of the state.According to USA Today, there are wildfires currently burning in 13 Western states. There are currently reports of 90 major wildfires burning 5,300 square miles in the western U.S. — a size equivalent to the state of Connecticut. 1116

Student loan borrowers were targets for scams before the coronavirus pandemic hit. The longer people struggle, the more desperate they become, and that’s when scammers and fraudsters thrive.“They’re using the same playbook, but more aggressively,” says Seth Frotman, executive director of the Student Borrower Protection Center, a Washington, D.C.-based nonprofit.There’s no single scam related to coronavirus relief or specific company to pinpoint that is being prosecuted right now, says Leslie Tayne, a debt-relief attorney and founder of Tayne Law Group. But fraudsters are still out there.There are two main types of scams, says Frotman. In one scam, a company will charge to enroll you in a benefit you could have accessed for free, such as a federal income-driven repayment plan.Tayne says she most often sees scammers promising to get borrowers into a loan deferment program in exchange for payment.In another scam, you’re promised something too good to be true — like forgiveness — in exchange for payment. Then they take your money and run.“It used to be called the Obama Loan Forgiveness scam, and now there’s the CARES Act Forgiveness scam,” says Persis Yu, director of the nonprofit National Consumer Law Center’s Student Loan Borrower Assistance Project.“Borrowers should always look upon advertising that is promising forgiveness with skepticism,” says Yu. No student loan forgiveness was included in the March coronavirus relief package.How to figure out what is legitAs you’re assessing what is real and what is not, take a beat to independently verify a company on third-party sites like the Better Business Bureau’s. Here’s what else you can do:See if there are news stories about scams alongside a business’s name in an online search. Remember: Anyone can pay for a domain name and start a website. Logos, addresses and mailers are easy to replicate, too.Be wary of solicitations that arrive in your inbox or that you see on social media ads. Even if you’re contacted by a party that has your personal information, it doesn’t mean it’s a legitimate organization, says Tayne.If you get a robocall regarding student loan repayment during the coronavirus pandemic, don’t call back. The Federal Communications Commission has seen these and is warning consumers not to fall for these scams.Real relief measures available for borrowersThe coronavirus relief package did include provisions for most federal student loan borrowers, but not private loan borrowers. Individual private lenders are offering benefits such as short-term emergency deferment or waived late fees.Federal loan borrowers are in the midst of a six-month automatic forbearance — with no interest — retroactive to March 13 and lasting through Sept. 30, 2020. Borrowers with loans in default also get relief from collection activities like wage garnishment.However, the implementation of these benefits hasn’t been smooth, says Yu. The National Consumer Law Center and another nonprofit, Student Defense, sued the U.S. Department of Education over allegations that the department continued garnishing wages despite the provision in the law that prohibits it.Implementation mistakes have left borrowers more vulnerable to getting scammed, says Yu.“They’re desperate, and they might be entitled to relief and they’re not getting it,” she says. “Our policymakers and the Department of Education need to step up to get this right so borrowers are not driven to companies leeching off their desperation.”You should be receiving all relief automatically for federal loans. If you’re not, contact your servicer and make a complaint in writing.What to do if you’ve been scammedIf you’ve been scammed, the first thing you need to do is get control of your accounts.“One common iteration of these scams is the company will take over the FSA ID or servicer account and redirect any communications to that company,” says Yu. (The FSA ID is the unique username and password used to log into the federal student aid online system.)? If you’ve given a scam company your password, change your password. You may need to change the email address your account is linked to.? Make sure to report the scam to authorities as well, says Tayne, and hold onto copies of those reports.? The Federal Trade Commission, your state attorney general and the Consumer Financial Protection Bureau are options for reporting scams. Each one actively pursues student loan scammers, but they rely on borrowers to self-report.? If you’re looking to take legal action, contact a legal services organization (if you’re income-eligible) or hire a lawyer.Frotman, Yu and Tayne each said that borrowers sometimes get their money back, but it takes effort.More From NerdWalletPrivate Student Loan Relief for Borrowers in the Coronavirus CrisisFederal Loans Are Paused for 6 Months — Should You Pay Anyway?Student Loan Customer Service: What Your Servicer Can DoAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 4999

Tempe, Arizona police are investigating a deadly crash involving a self-driving Uber vehicle early Monday morning.  The Uber vehicle was reportedly headed northbound when a woman walking outside of the crosswalk was struck. The woman, identified as 49-year-old Elaine Herzberg, was taken to the hospital where she died from her injuries.Tempe Police says the vehicle was in autonomous mode at the time of the crash and a vehicle operator was also behind the wheel. No passengers were in the vehicle at the time. An Uber spokesperson said they are aware of the incident and are cooperating with authorities.They released the following statement: "Our hearts go out to the victim’s family. We are fully cooperating with local authorities in their investigation of this incident."Uber's CEO Dara Khosrowshahi also acknowledged the incident on Twitter: 906