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Tesla says Tuesday it wants to raise up to billion in capital through a stock offering. The move came the same day that CEO Elon Musk said he has moved from California to Texas. The stock offering is the second for the company in three months. In September Tesla said that it planned to sell up to billion worth of common shares just one day after its 5-for-1 stock split took effect.According to the Associated Press, 10 different brokerage houses will sell the stock offerings, and each will get up to a 0.25% commission. Musk told The Wall Street Journal in an interview that he has switched states, saying that California is complacent with innovators and has taken them for granted.According to the AP, earlier this year, Musk threatened to relocate Tesla’s Palo Alto, California, headquarters and future manufacturing to Texas over a spate with county officials on whether Tesla’s San Francisco Bay Area factory should stay closed due to coronavirus restrictions.Next year, Tesla is scheduled to roll out its new “Cybertruck” pickup and a semi. 1064

Students watching the COVID-19 pandemic play out have reason to be wary of taking on additional loans for college. With what could be a slow economic recovery, signing up for an additional bill that comes each month, no matter what, might sound like a bad idea.Federal student loan payments are currently paused. But those repayments are scheduled to resume next year before current students can take advantage of the halt. And while government income-based repayment plans and forbearance can offer a respite for economic hardships, interest still continues to add up. Private loans are even less forgiving and almost always require a co-signer.But there’s an alternative emerging: income share agreements, or ISAs. With these agreements, students borrow money from their school or a third-party provider and repay a fixed percentage of their future income for a predetermined amount of time after leaving school.Depending on the terms of the agreement and the student’s post-graduation salary, the total repaid could be much more or far less than the amount borrowed. It’s a gamble that could be worth it for students who’ve exhausted federal aid and scholarships. Here’s why.No co-signer requiredMost students need a co-signer to qualify for private student loans. Co-signers are on the hook for any missed payment, and a large balance can be a burden on their credit report. As families look to make ends meet, they may need that borrowing leverage for themselves.Income share agreements are co-signer-free. Instead of credit history, students typically get an ISA based on their year in school and major. The best terms are often reserved for students in high-earning majors near graduation, like seniors studying STEM fields. But high earners also risk having to repay a larger amount.If an income share agreement isn’t the right fit for you and you need additional funding without a co-signer, consider a private student loan designed for independent students. These loans are often based on your earning potential and don’t require co-signers. They may also offer flexible repayment options based on salary or career tenure.Unemployment safety netWith an income share agreement, if you’re unemployed — or if your salary falls below a certain threshold, which can be as low as ,000 or as high as ,000 — you don’t make payments. No interest accrues, and the term of your agreement doesn’t change.That makes these agreements a good option for students in times of economic uncertainty, says Ken Ruggiero, chairman and CEO of consumer finance company Goal Structured Solutions, which is the parent company of student loan providers Ascent and Skills Fund and provides funding for school-based ISAs.“I like the idea of not having to make a payment when you’re going into a recession or right after the recovery happened,” he says.If you’re a junior, senior or graduate student poised to enter the workforce soon, that could make an income share agreement more attractive. Tess Michaels, CEO of income share agreement provider Stride Funding, says she’s seen a significant increase in inquiries since the pandemic forced schools to shut down in March.But freshmen and sophomores have more time to wait out the economic fallout. If you’re further from starting your career, weigh the recession-related benefits of an income share agreement against the risk of giving up a percentage of your future income. Remember, you won’t know the total cost of an ISA when you sign up.But it’s not right for all studentsSome colleges offer income share agreements to all students regardless of major or tenure. Still, many of these programs prioritize upperclassmen, making it harder for freshmen and sophomores to qualify.But an income share agreement might be the wrong move even if you’re graduating soon. If your income is higher than average after graduation, you might pay much more than you received.Let’s say you get ,000 from a private ISA company and agree to pay 9% of your salary for five years. If you earn ,000 a year (the average starting salary for a college graduate) for the length of your term, you’ll repay ,950. That is equivalent to a 10.6% interest rate. In that case, a private student loan could be a better option. Fixed rates on private student loans are hovering around 4%, though independent students will likely pay more.And income share agreements have fewer protections for borrowers than student loans. Tariq Habash, head of investigations at the Student Borrower Protection Center, says that while consumer protection laws apply to these agreements, “ISA providers will say there isn’t really legal clarity because they’re new and different.” He said that he saw the same thing with payday loans and fears ISAs will take advantage of the most vulnerable students.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletHow to Get Student Loan Relief During the Coronavirus and BeyondCollege During COVID-19: Your Aid Questions AnsweredWhat to Do if There Isn’t COVID-19 Student Loan ForgivenessCecilia Clark is a writer at NerdWallet. Email: cclark@nerdwallet.com. 5166

Stores across the country are starting to advertise and display back-to-school sales. From electronics to clothes, the National Retail Federation is tracking buying trends as the new school year approaches."Parents may not know how their children are attending classes, whether it’s in-person or online, a mix, and that is certainly reflected in how people are shopping right now. So, when we did our study in early July most consumers did not know what they needed to buy yet," said Katherine Cullen, the Senior Director for Industry and Consumer Insights at the National Retail Federation. She says there's a lot of uncertainty surrounding the upcoming school year and most consumers are hesitant to buy back to school supplies right now, but many already have plans to spend more."For grade school and high school shoppers it is over 0 on average which is about 0 more than last year. So, some of that is definitely being driven by this current environment and it's shaping how people are planning to buy right now," said Cullen. Cullen says consumers will likely spend more than last year on school supplies and just as much on new clothes. She said there are some things kids need no matter where they learn. "Kids keep growing even if they're not going to school in person, they will likely still need some new items."But the big ticket items families will be spending money on is electronics. "We are certainly seeing that many families, over half, are expecting there will be at least some online learning component and as a result they're planning to make some extra purchases around that: laptops, computers, head phones and speakers are a big component of that," said Cullen.The National Retail Federation says grade school and high school shoppers plan to spend more on average on electronics. Amy Cunningham, a parent in South Carolina, says her family decided to purchase two laptops to help their children with online remote learning this fall. This past spring, the children shared their parents' computers. "Having to juggle the kids’ distance learning with what we were doing was hard so we knew if we were going to do it this year, which was our plan, that we were going to need to get additional laptops," said Cunningham. Cunningham says she likely won't need many other school supplies and doesn't anticipate needing to buy new clothes for the school year."I’d probably get notebooks and stuff like that just because we don’t have a lot of that sitting around. Clothes, no. They live in their play clothes at home now so there’s no point really," says Cunningham.As for how parents will be back-to-school shopping this year, for many, gone are the days of traditional in-store browsing. The National Retail Federation says 40% of families will only be back-to-school shopping online. 2827

Supporters and opponents of the recent toppling of a Confederate monument in North Carolina turned out in Chapel Hill on Saturday to assert their stances.Seven arrests were made in connection to a gathering on McCorkle Place, the University of North Carolina-Chapel Hill media relations office said."Three arrests were for assault, the fourth for destruction of property and the fifth arrest for resisting an officer. The sixth arrest was for assault, destruction of property and inciting a riot. We are awaiting information on charges for the seventh arrest," the school said.Photos: Protesters topple Confederate statue at University of North Carolina at Chapel Hill?The rival rallies came after 250 protesters knocked over the University of North Carolina's controversial "Silent Sam" Confederate statue at the school on Monday night.On Saturday people congregated at and near the spot where the statue was torn down, news footage showed. Police were on the scene in numbers as people held banners, chanted and marched. Confederate flags could be seen. 1063

The battle over MCAS flight paths continues. For years, residents have expressed concerns about noise, pollution and potential crashes. Earlier this month, councilwoman Barbara Bry wrote a letter to MCAS asking pilots ot adhere to flight corridors that avoid direct traffic over University City. Neighbors in the area are still coping from the 2008 crash that killed four people when a jet went spiraling into two homes. "We’ve already had one accident in UC years ago," said Don Hoetz. "Right below that flight path and we just don’t want to see that happen again."MCAS released a statement to 10news, saying in part;"All aircraft routes, including departures over University City, depend on a myriad offactors including weather, other air traffic, and the flight characteristics of the aircraft. In all cases, aircraft use navigable airspace in a manner authorized by the FAA."Colonel Charles Dockery responded to councilwoman Bry's letter Thursday morning. He reiterated that all of the flights they use are approved by the FAA and said they must prioritize safety over noise. 1089