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President-elect Joe Biden said on Wednesday that his transition team’s response to the COVID-19 pandemic is being put in jeopardy as he awaits the Trump administration to recognize his victory in this month’s presidential election.“I am optimistic but we should be further along,” Biden said during a virtual call with first responders. “One of the problem that we are having now is the failure of the administration to recognize (the results).Since the Associated Press projected Biden as the winner of the election on Nov. 7, President Donald Trump and his campaign has made multiple claims that the election was stolen, and accusing election officials of fraud. So far, Trump’s campaign has not been able to substantiate any evidence of fraud in court, and has had a number of lawsuits dismissed.Regardless, the Trump administration has prevented the Government Services Administration from assisting Biden with his transition. After past presidential elections, the apparent winner is given funding and access to documents to begin the transition.Biden pointed to the Presidential Transition Act of 1963, which says that government services and documents be made available to the “apparent” victor of the presidential election.Given that 1,700 Americans died from the coronavirus on Tuesday, Biden says that it’s important his transition has access to data and information to ensure the continuity of the country’s response to the pandemic.“We need to know about the depth of the stockpiles, we know there aren’t much at all,” Biden said. “We get to the point where we have a sense of when these vaccines come out, how they’ll be distributed, who will be first in line, what the plan is.”And if the administration continues to hold up the transition?"There are a whole lot of things that we just don’t have available to us, which unless it’s made available soon, we’re going to be behind by weeks or months being able to put together the whole initiative relating to the biggest progress we have with two drug companies coming along and finding 95% effectiveness efficiency in the vaccines,” Biden saidThe White House says that calling for recounts and holding up the transition is due diligence, even though there is nothing stopping the Trump campaign from allowing the transition to move forward while contesting the results.“Actually, I think at this point, the American people just want to make sure that every legitimate vote is counted, and that nobody's discounted,” White House chief of staff Mark Meadows said.Meanwhile, some staunch Trump supporters, while not calling on Trump to concede, are saying that Biden should be included in intelligence briefings.“The president is contesting the election, and I would urge him to give intel briefings to Biden... to Joe Biden. How much further to go, I don't know,” Senator Lindsey Graham of South Carolina said.Without access to top government experts, such as Dr. Anthony Fauci, Biden has called upon outside experts to advise him on the coronavirus. Among them is Dr. Rick Bright, who was dismissed from his post in the Trump administration after criticizing the administration’s response to the pandemic.Outside organizations have also expressed concern over the transition, including Amnesty International. "Trump administration's refusal to cooperate with President-Elect Biden is worsening COVID-19 human rights crisis," the organization tweeted on Wednesday. Today, the U.S. topped 250,000 deaths from COVID-19 but President Trump continues to reject cooperation with President-Elect Biden’s team on the pandemic." 3589

RANCHO SANTA FE, Calif. (KGTV) - North County’s Helen Woodward Animal Center will get “pawliticians” involved in Tuesday’s elections with special poll visits by adoptable dogs.The animal shelter will take four puppies to the Rancho Santa Fe library at 17040 Avenue De Acacias to meet voters between 7 and 9 a.m. “The political temperature is tough right now,” said Helen Woodward Adoption Services Manager Ashley Freeman.  “We are hearing that a record-number of people plan to vote tomorrow and that party lines are more sharply drawn than ever before.  It could be tense out there but a cute fuzzy face is something we can all get behind.” Pets are known to lower blood pressure, decrease anxiety, and increase positivity, shelter officials say.For more information on the candiPETS or to apply to adopt them, please visit the center's website, call 858-756-4117 ext. 313 or visit Helen Woodward Animal Center at 6461 El Apajo Road in Rancho Santa Fe. 986

President Donald Trump urged his supporters Friday not to boycott two Senate runoff elections in Georgia in January that will determine which party has control of the chamber.His tweet comes after Politico reported Thursday that his continued attacks on Georgia's electoral system have disillusioned his voters and caused some to call for a boycott of the vote.In addition, Politico reports that some of Trump's most ardent supporters on Twitter and the conservative-learning social media platform Parler are accusing the two Republican candidates up for election — Sens. Kelly Loeffler and David Perdue — of being "insufficiently pro-Trump" and complicit in the voter fraud conspiracies.On Friday morning, Trump retweeted a Newsmax story about a potential boycott of the Georgia vote. In his tweet, Trump tried to walk the line between continuing to push fraud claims while still rallying the vote."No, the 2020 Election was a total scam, we won by a lot (and will hopefully turn over the fraudulent result), but we must get out and help David and Kelly, two GREAT people," he tweeted. "Otherwise we are playing right into the hands of some very sick people. I will be in Georgia on Saturday!" 1202

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

RAMONA, Calif. (CNS) - A teenage boy was fatally struck by a pickup truck while riding a skateboard on a residential road in the San Diego Country Estates neighborhood of Ramona, authorities said Wednesday.The fatality occurred around 7:20 p.m. Tuesday on Barona Mesa Road near La Plata Court, in a neighborhood south of San Vicente Road, California Highway Patrol Officer Jeff Christy said.Two teenage boys were riding skateboards to the east in the eastbound lane of Barona Mesa Road and another teen was riding a bicycle eastbound in the westbound lane, Christy said. He said that when a 20-year-old Ramona man driving a 2001 Ford F-150 eastbound on Barona Mesa Road came around a left-hand curve in the road, the front of the truck one of the boys, who was riding his skateboard in the middle of the eastbound lane.The driver stopped immediately and began rendering medical aid to the victim, the officer said. Medical personnel also responded, but the youth was pronounced dead at the scene. His name was withheld pending family notification.Intoxication was not a factor in the crash, Christy said. 1112

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