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Suffering from slumping sales and mountains of debt, Toys 'R' Us has filed for bankruptcy.The 69-year old Toys R Us was once the mecca of kids' gifts. But it was eventually overtaken by Walmart and ultimately Amazon.In its fight to stay relevant, Toys R Us amassed billion in debt. That came from slashing prices, signing major,exclusive licensing deals with toymakers and buying up other toy giants FAO Schwartz and KB Toys over the past decade. 467

The Borderline Bar & Grill was packed as patrons danced, watched a Lakers' game or played pool. It was country college night, and people swayed to the beat as music blared through speakers.Suddenly, a man wearing a black trench coat and glasses approached the bar entrance and shot the security guard.Inside the bar, some people thought it was fireworks or sound effects from the music, and kept dancing, witnesses said.Within seconds, witnesses said, the gunman burst into the bar with a Glock .45-caliber handgun and shot someone at the cash register. People dropped to the ground and hid under pool tables and bar stools. Some piled atop one another while others slammed bar stools against windows to break them.Those who got out ran, the sounds of rapid gunfire echoing around them in the dark."They ran out of back doors, they broke windows, they went through windows, they hid up in the attic, they hid in the bathroom," Ventura County Sheriff Geoff Dean said.By the time the gun went silent, 12 people were dead, including sheriff's Sgt. Ron Helus, who had rushed to the scene. Thousand Oaks, California, described as one of the nation's safest cities, was now on the long list of places affected by a mass shooting.  1241

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

TAMPA, Fla. - A "Back the Blue" mural was painted outside the Tampa Police Department headquarters over the weekend.On Saturday, about 40 people came together and painted the mural on East Madison Street in downtown Tampa. The mural was created to show support for law enforcement."When they walk into the police department or when they go to work or they're patrolling the streets, they see that mural and they know they have a community behind them," said Cassandra Kistler.Kelli Campbell and Cassandra Kistler are members of Back the Blue Florida. The ladies helped organize the project.People from Community Patriots of Tampa also helped paint the mural."We had people just walking by that were inspired to pick up a brush and a roller and start helping us," said Campbell.Some people on social media are criticizing the mural or showing their support."We've been criticized a lot like it's not the best, it's not this, it's not that. It's community and community did it and brought it together and made it happen," said Cassandra Kistler.A Change.org petition said, "This mural seems to mock the Black Lives Matter movement and is a huge slap in the face for all the protesting we have been doing all over this country.""Everybody's entitled to voice their opinions and voice what they want," said Kistler."This has nothing to do with race. This is not against anyone. It's not to counter anyone. This is 100% showing support for law enforcement, all branches and truly all first responders," said Campbell.A City of Tampa spokesperson said the mural was not approved by the city.“Any tribute to honor their service is welcome. It’s unfortunate they didn’t see the permitting process through so that our community could participate in showing their appreciation for the brave men and women that service our residents every day," said Mayor Jane Castor.Kistler claims the group got verbal approval from Mayor Castor's office.This article was written by Julie Salomone for WFTS. 1989

Taco Bell is getting into the wine business.Taco Bell Canada debuted its custom Jalape?o Noir wine on social media.They stated the wine pairs well with their Toasted Cheesy Chalupa. 189