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For so many Americans, 2020 has been one of the most challenging years of their lifetimes. From an unprecedented pandemic, to the fight for racial justice, there are scars that still show as we prepare to usher in the new year. But amid the struggle, there have been signs of hope for a better future.The working manTens of millions of Americans have felt the devastating blows the year has brought with it, particularly Chad Whitenmeyer.“Some of [the conversations we had this year] were very scary,” he said. “We had the ‘what are we going to do for money?’”Whitenmeyer, 39, worked for a factory where he relied on the 12-hour days to feed his family of six. But when COVID-19 hit, he was one of the first people he knew to contract the virus.“When I took a breath, it felt like I wasn’t taking a full breath,” he said inside of his mobile home in Loveland, Colorado. “I thought I was in the process of dying.”Chad first lost some motor function as he stayed quarantined at home. Then, he lost his job and along with it, his family’s insurance.“You go down this black hole that you can’t get out of,” he said.After four months of short-term disability, Whitenmeyer applied for unemployment, but because he contracted COVID-19 so early in the pandemic, he was not able to get a test, meaning he had no proof he was actually diagnosed.It forced his wife to find temporary employment while Chad, a man who had prided himself on being the family’s breadwinner for two decades, to stay at home and provide for their kids in a different way.“It’s one of the worst feelings I’ve had about myself in my entire life,” he said. “It feels as though you can’t provide any worth to anyone around you.”The transplant patientOn June 26, 52-year-old Carl Werden was like so many other Americans: trying to stay healthy, while leading a modest life as a contractor.But on June 27, everything changed when Werden, a man with no underlying conditions, contracted the virus when he went to visit his daughter in Massachusetts.In only a matter of days, Werden’s condition deteriorated and he was sent to the hospital, a place he would remain for the next six months.“I think a lot of people think if they get sick with COVID, they’ll just be in the hospital for a few days and then they can go home, but that’s not how it works,” he said from his hospital bed over a Zoom call.For four months, Werden slipped in and out of consciousness as he battled the virus, but in October, his lungs had finally given up. Doctors said if he did not get a double lung transplant, it would only be a matter of days until he died.“Because of the COVID, there was a lot of fibrosis in my lungs and it just kept getting worse,” said Werden. “They cut me open, then they cut my rib cage in half.”Much like COVID-19, Werden does not know where those donated lungs came from. But, no longer paralyzed by fear, he is thankful to still be here.“I want people to realize there are people who are perfectly healthy, like I was, that go from being perfectly healthy to having a double lung transplant,” he said.The pastorIn San Diego, while still grappling with the effects of the pandemic, Pastor Miles McPherson, 60, was dealing with the fallout of a different virus that had taken control of the country in May.“The symbolism of how [Derek Chauvin] killed George Floyd, how I received it was, you are nothing, there’s nothing you can do about it,” said McPherson.After watching the 8 minute and 43 second video of George Floyd’s death in Minneapolis, McPherson saw the country come to grips with an outspoken racial reckoning that took hold of his community, as it did so many others across the country.“This was protracted, lengthened out murder,” he said. “It was as cold-hearted as I’ve seen.”McPherson, a Black man, grew up watching his father serve as a police officer, a path his son is now following as well.“There are a lot more people saying we have to do something, what that is, a lot of people don’t know, but that’s something,” he said. “And that’s the beginning of change.”McPherson is working to be a part of that change through a program called The Third Option Similarity Training. He developed it after publishing his book "The Third Option," recognizing the need for a racial reconciliation training program based on honor.The program is being used by schools, churches, and businesses, teaching people how to honor the similarities between us and use those similarities to establish connection and mutual understanding. The training provides actionable steps and creates space for conversations aimed at creating real change.The resolutionAs we come to the final chapter of 2020, it is easy to look at the negatives, but that’s not where the sights of Whitenmeyer, Werden, and McPherson lie. They are focused on a brighter future.As a stay-at-home dad, Whitenmeyer has invested in a camera where he shoots and edits videos of the daily adventures he has with his kids and posts them on YouTube.“Even though this year, for my body, physically speaking, has been the worst year of my life, I’ve gotten to do what I’ve wanted to do, which is to be a dad,” he said.Carl Werden, while still in the hospital, has not only regained the function of his new lungs, but has started walking as he progresses through rehab.“I’m thankful every day,” he said.Pastor Miles McPherson, along with many of his congregants, feel that in the face of extreme racial tension, our country is well on its way to becoming more unified.“I am always hopeful there’s going to be a victory in the end, not only for Black people, but us as a people, because we’re all one race,” he said.In a year that has left us all paralyzed in so many different ways, there are still reasons to keep moving forward, to put one foot in front of the other and work towards a better tomorrow. 5833

Federal student loan borrowers haven’t had to make payments since March. But without continued government intervention, those unable to pay can expect long waits for help come October when bills are scheduled to restart.Automatic, interest-free forbearance provided by the first coronavirus relief package was not extended by the Health, Economic Assistance, Liability Protection and Schools Act proposed by Senate Republicans. There’s no additional relief for student loan borrowers in the proposal.While that legislation could still change, your best safeguard if your job or finances are shaky is to act now.“It’s a disaster waiting to happen,” says Seth Frotman, executive director of the Student Borrower Protection Center, a Washington, D.C.-based nonprofit.Restarting payments for tens of millions of student loan borrowers will likely lead to delinquencies and defaults, says Frotman. And there’s precedent for his assertion: Data from the Education Department in 2019 shows defaults increased when forbearances expired after natural disasters.On top of that, the number of borrowers affected by the pandemic dwarfs any previous challenge for student loan servicers.The servicing system was “never meant to handle high volatility moments; it was built to handle servicing on a normal cycle,” says Scott Buchanan, executive director of Student Loan Servicer Alliance, a nonprofit trade association representing student loan servicers. Buchanan urges borrowers to contact their servicers today for guidance.You don’t have to wait for congressional approval to take control. If you don’t think you can handle your monthly payments, an income-driven repayment plan is your best option to avoid default. Here’s why you should enroll now and what your other choices are.Opt for income-driven repaymentFederal loan borrowers can — and should — apply now for income-driven repayment. Each of the four plans available will cap payments at a percentage of your income and extend repayment to 20 or 25 years, with any remaining balance forgiven at the end.The most broadly available plan, Revised Pay As You Earn, or REPAYE, caps payments at 10% of discretionary income. If you have no income, or your income is at or below the poverty line, your payments would be zero.It’s vital to enroll as soon as possible. Many student loan borrowers who are out of work may apply for income-driven repayment all at once, which is likely to overwhelm the servicers. You’re more likely to get your application approved sooner if you apply now.“This is the moment for you to reach out and call us so we can talk specifically about your situation,” says Buchanan.He adds that servicers are planning outreach to borrowers in the coming weeks. In the meantime, they’re internally discussing increased staffing to meet an influx of demand from student loan borrowers.Recertify your existing income-driven repayment planFederal loan borrowers already enrolled in income-driven repayment must recertify their income each year or revert to a standard repayment plan.If you’ve had a change in income, now is a good time to update the amount with your servicer. Recertification will make sure your payments are updated and affordable.The fastest way to recertify your plan is at studentaid.gov, but a paper form is also available.Request another payment pause — this time with interestYour alternate option is to pause payments through forbearance or an unemployment deferment. Neither is quite like the payment pause you currently have — you have to request it, and interest will likely accrue during the entire pause and increase the total you owe. To prevent this, you can ask to make interest-only payments during these periods.An unemployment deferment allows you to postpone repayment for up to 36 months. You must be receiving unemployment benefits or working part time while seeking full-time work. Only apply for an unemployment deferment if you know you’ll be out of work for a short period of time and if you can prove you have looked for a job at least six times within the last six months. Otherwise, an income-driven repayment plan is the way to go. Interest won’t accrue on subsidized loans during an unemployment deferment.A forbearance is a last-ditch effort to avoid student loan default, which could lead to your wages being garnished or your tax refund being seized. Interest will accrue on all your loans and be added to your balance at the end. Only use forbearance if you can’t pay your loans, you plan to restart repayment soon and you won’t qualify for an unemployment deferment. You can request a forbearance with your servicer.Ask your private lender about hardship optionsPrivate student loan borrowers were left out of the original Coronavirus Aid, Relief, and Economic Security Act as well as the HEALS Act.But private lenders usually offer student loan forbearance or can temporarily lower your payments, though these options are far less generous than federal ones. Private lenders are also making relief options available temporarily to borrowers facing financial challenges. Options like additional temporary forbearance periods won’t count against existing limits.More From NerdWalletHow to Get Student Loan Relief During the Coronavirus and BeyondEmergency Financial Aid for College Students: What Are Your Options?Don’t Fall for COVID-19 Student Loan Relief ScamsAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 5475

Forget about drones and armies of people driving Amazon trucks. One big Wall Street firm thinks Amazon's plan to build up its air freight delivery service may be what really winds up hurting UPS and FedEx.Morgan Stanley analyst Ravi Shanker said in a report Tuesday that both delivery giants could lose 10% of their revenue to Amazon Air by 2025. Shanker cut his price targets on UPS (UPS) and FedEx (FDX) and both stocks plunged more than 6% as a result.It was a particularly gruesome day for transportation stocks due to worries about the broader economy and confusion about the status of US-China trade talks.The Dow Jones Transportation Average, which includes FedEx and UPS as well as leading airlines, truckers and railroads, fell 4.4% -- its worst drop since June 2016.But Shanker paints a picture that should be extremely worrisome to UPS and FedEx.He notes that Amazon (AMZN), which currently is leasing 40 cargo jets, could eventually have 100 planes running and estimates that the planned Amazon Air routes could overlap with more than two-thirds of the volume flown by UPS and FedEx.That's bad news for both companies since Shanker said that UPS and FedEx each generate nearly 20% of their overall revenue from US air deliveries.Amazon has made big investments to bulk up Amazon Air. In the past few years, it has bought stakes in two freight delivery airlines -- Air Transport Services Group (ATSG) and Atlas Air Worldwide Holdings (AAWW).It also announced plans to invest .5 billion in order to build an Amazon Air hub on more than 900 acres of land that it is leasing near the Cincinnati/Northern Kentucky International Airport. Amazon bought an additional 210 acres earlier this year.There's a simple reason why Amazon will want to handle more of its own air deliveries. According to Shanker, Amazon could save between billion and billion next year. That works out to about 3% to 6% of its global shipping costs.But on a day when the broader market was tanking, investors didn't seem too enthusiastic about Shanker's thoughts on Amazon either. Shares of Amazon fell nearly 6%. 2113

Former Democratic presidential candidate Hillary Clinton sent mixed messages when she said she did not want to run for president again, but after hesitating she added that she would like to be president someday.When asked by tech magazine Recode's Kara Swisher at a taping Friday of the Recode Decode podcast whether she wanted to run for president again, Clinton said, "No, no."But after a pause and some prodding from Swisher, Clinton said, "Well, I'd like to be president.""I think, hopefully, when we have a Democrat in the Oval Office in January of 2021, there's going to be so much work to be done," she elaborated, later adding, "The work would be work that I feel very well prepared for, having been at the Senate for eight years, having been a diplomat in the State Department, and it's just going to be a lot of heavy lifting."When Swisher asked whether Clinton would be doing that heavy lifting, Clinton replied, "Oh, I have no idea. ... I'm not even going to even think about it till we get through this November 6 election about what's going to happen after that."Swisher tweeted Monday morning that Clinton seemed to mean she would have preferred to win the presidency in 2016, not that she planned to pursue it again."Tweeps, simmer down!" Swisher tweeted. "While it perhaps sounded like @HillaryClinton refused to rule it out, my take is she was basically implying she wishes she were president but doesn't relish running again." 1468

Former New Jersey Gov. Chris Christie issued a statement Friday saying he has asked not to be considered for the White House chief of staff job after meeting with President Donald Trump to discuss the role.Christie met with Trump on Thursday, but two sources familiar with the discussion said no offer had been made."It's an honor to have the President consider me as he looks to choose a new White House chief of staff. However, I've told the President that now is not the right time for me or my family to undertake this serious assignment," Christie said in a statement obtained by CNN but first reported by The New York Times."As a result, I have asked him to no longer to keep me in any of his considerations for this post," Christie added.The former governor was just the latest in a long string of people to discuss the chief of staff position with Trump.Earlier this week, one source close to the White House said that Christie was under consideration for the role. Christie's experience as a prosecutor is seen as a plus given the Mueller investigation and Democrats itching to investigate on the Hill.CNN has previously reported Christie has said he only wanted the role of attorney general and told friends he was offered the Department of Homeland Security secretary position, but did not want it. While chief of staff is not a Cabinet-level position, but it is the top staff role at the White House.There continues to be tension between Christie and the President's son-in-law and key adviser, Jared Kushner. As US Attorney in 2004, Christie prosecuted Kushner's father, Charles Kushner, for tax evasion, witness tampering and illegal campaign contributions. Charles Kushner pleaded guilty and served two years in prison.If Christie is selected, Kushner and his wife, Ivanka Trump, would both report directly to Christie under the existing staff structure.Though on the surface Christie and Kushner have a cordial working relationship, Trump understood that the notion of his son-in-law being OK with reporting to the man who put his father in jail is unlikely. Multiple sources say the Trump children will have the most influence on this decision.Earlier this year, Christie suggested that Trump's family working in the White House was an impediment to his presidency."The situation is made much worse by the fact that we have family members in the White House," Christie said on ABC's "This Week" in March. "In a normal situation, you might terminate a staff member for that reason. (It) becomes a lot more difficult if you're going to be sitting at Thanksgiving dinner with that person. And so, for Jared and for Ivanka and for all the other members of the family we were involved in one way or the other, I think everybody's got to focus on what's best for the President." 2822