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House Republicans released a tax reform plan Thursday that would eliminate a tax break for Americans with student debt.The student loan interest tax deduction saves people as much as 5 a year, though most see a smaller benefit.The sweeping legislation was described by House Speaker Paul Ryan as a series of tax cuts aimed at helping most Americans. But it eliminates or limits some tax deductions and exemptions to fund those cuts.The student loan interest tax deduction is just one on the chopping block. The bill still needs to be approved by both the House and Senate, and signed by President Trump, who has said it will be done "before Christmas."Here's how it currently works: Those eligible can claim up to ,500 of what they paid toward the interest on their student loans, but not the principal.It's an "above the line" deduction that can be claimed without itemizing. But it's only available to borrowers with a modified adjusted gross income of less than ,000 (0,000 for married couples filing jointly.) The benefit is gradually reduced once you earn at least ,000 (or 0,000 for couples).About 12 million people claimed the student loan interest deduction in 2015, according to the IRS. More than 40 million Americans have student debt.The student loan interest deduction cost the federal government billion in foregone revenue during 2016, according to a report from The Pew Charitable Trusts.The cost has more than doubled since 2007 as student loan balances grew, even though the maximum deduction (,500) hasn't changed since 2001, the report said.Still, it costs less than the American Opportunity Tax Credit. That allows families who are paying for college out-of-pocket to claim up to ,500 per student. The benefit, which cost nearly billion in 2016, would be preserved under the House Republican plan.Even if the federal student loan interest deduction is repealed by Congress, you may still qualify for a state deduction. Thirty-seven states and D.C. offer a similar benefit, according to The Pew Charitable Trusts.The House bill also proposes nearly doubling the standard deduction. It would raise it for singles to ,000 and for married couples filing jointly to ,000. 2279

In a typical year, you might expect to see holiday decor start to crowd out the Halloween candy around mid-October. But in 2020, the holiday shopping season has felt like it started even earlier due to the changes brought about by the pandemic.Social distancing concerns have forced retailers to rethink their promotional plans, and Amazon’s rescheduled Prime Day in mid-October kicked off the seasonal incentives to shop early and often.So far it seems to have worked: Plenty of people have gotten a head start on their holiday shopping this year. Forty-two percent of holiday shoppers said they started earlier this year than they normally do, according to a November survey from the National Retail Federation and Prosper Insights & Analytics.The survey also found that 59% of holiday shoppers had already started making purchases well ahead of Black Friday. Compare that to 10 years ago, when only 38% of respondents had already gotten a running start in early November.As the holiday stretches out into a multi-month marathon, will Black Friday matter this year? Well, sort of. The holiday isn’t going anywhere—and stores won’t let you forget about it. But it’s going to look a lot different in 2020.1. Black Friday Won’t Start on Thanksgiving DayIn recent years, retailers were kicking off Black Friday by starting in-store sales nearly 24 hours early: on Thanksgiving Day itself. But pandemic concerns may have put an abrupt end to this trend.Major retailers like Kohl’s, Dick’s Sporting Goods, and Target announced as early as July that they would break their traditions of opening stores early for Black Friday and simply stay closed on Thanksgiving Day.“Let’s face it: Historically, deal hunting and holiday shopping can mean crowded events, and this isn’t a year for crowds,” Target said in a blog post outlining its holiday plans.Walmart will also be closed on Thanksgiving Day, opting instead to keep regular Wednesday hours, then reopen at 5 a.m. on Friday. It’s the first time the retail giant has opted against Thanksgiving Day hours since the 1980s.Experts say people will still shop on Thanksgiving, but will do so online. “After the pumpkin pie, they’ll go to the couch with their computer and that’s where they’ll start their Black Friday shopping,” said Rod Sides, vice chairman and U.S. leader of retail and distribution at Deloitte.Although stores may keep their locations closed or limit their hours on Thanksgiving, their websites are always open, meaning a company can still pull in revenue that day without incurring the cost of staffing stores. Retailers have seen a huge increase in online sales, after years of declining foot traffic in stores, so cutting Thanksgiving Day hours is unlikely to be a huge stretch even without coronavirus concerns.“The pandemic has made that choice [to close] a lot easier,” said Seth Basham, a retail analyst at Wedbush Securities.2. Some Retailers Are Rejecting Black FridayFor some retailers, going against the Black Friday grain is a big part of company culture.Outdoor retailer REI will be closed on Black Friday for the sixth year in a row in 2020. The co-op’s “Opt Outside” campaign closes its stores, distribution centers and call centers on Black Friday in an effort to encourage people to spend the day outside with family and friends instead of shopping.But while REI was once the outlier, it may have some company this year. Ecommerce footwear brand Allbirds will actually raise prices on Black Friday, increasing the price for every item on its website by with the spare buck going toward organizations mitigating climate change.Even stores you might not immediately think of for Black Friday savings are changing things up this year. California grocery store chain Gelson’s announced it will have reduced hours on Thanksgiving, then be closed all day on Nov. 27 to acknowledge employees’ response to the pandemic.3. Doorbusters Are DoneForget waking up at 4 a.m. to be first in line for a great deal on Black Friday. The doorbuster deal, which offers a low price for a period of just a few hours, is a thing of the past.“There will be less emphasis on doorbuster-type offers this year, because social distancing makes it harder to queue up,” said Sides. There will still be limited-time or limited-quantity offers for some sale items, but Sides expects fewer people will feel compelled to line up to access deals. Deloitte’s research shows that people are planning to start shopping later in the day if they venture out on Black Friday.Instead, retailers are encouraging people to shop during far wider discounting windows. Macy’s, for example, is promoting “All-day specials” on Black Friday, while Best Buy’s newspaper ad for Black Friday sales notes which prices are available starting on Sunday, Nov. 22, Thanksgiving Day (online) or Nov. 28.4. Deals Are Everywhere, All The TimeWhy wait for Black Friday to shop when there’s a sale around every corner?By November 10—just 10 days into what Adobe considers the start of the holiday season, .7 billion had been spent online—21% higher than the same period in 2019.Retailers of all sizes have rethought how they will present holiday discounts this year. Walmart, for one, is breaking its usual Black Friday deals into “Black Friday Deals for Days,” rolling out sale prices at regular intervals during the entire month of November rather than wait until Nov. 27. On days when stores open early to offer in-store savings, customers will need to wait in a socially-distanced line and employees will limit the number of people who can enter.But before the pandemic, holiday shopping was already spreading out over the long Thanksgiving weekend instead of being concentrated on Black Friday. Now, the holiday shopping season has given rise to Small Business Saturday for supporting local shops and Cyber Monday for online shopping, plus big days like Green Monday (the second Monday of December), Free Shipping Day (usually around December 15) and Super Saturday (the last Saturday before Christmas).If every day is a shopping holiday, the need to cram all your shopping into Black Friday feels unnecessary.Read more: How To Budget For Holiday Shopping When The Season Is Now Twice As LongThe Name Will Remain, Even if Black Friday’s Luster FadesIt’s not impossible for Black Friday to have a post-pandemic rebound, Sides said, but the impact of the day has already waned.“We all like the hustle and bustle a little bit, but folks have figured out they don’t need additional stress” during the holidays, Sides said. There are just as many sales taking place online as there are in stores, and not everyone who goes to their local store is actually shopping on the spot—many will choose to buy online, pick up in-store or via curbside.Basham predicted that we won’t see as much of a peak in revenue during the five-day period over Thanksgiving weekend—even for online purchases. This has already been evident with other holidays in this pandemic-adjusted year: Labor Day purchases usually concentrated into a week or less were spread out over a three-week period, Basham said. By giving shoppers a longer period of time to snag a deal, it helps retailers manage demand around those high-excitement times.And that excitement will still drive consumers. “They want a call to action,” Basham said. While the right price may be the thing that convinces a shopper to make the purchase at that moment, they still need cues on the calendar to know when to start looking for those discounts. 7523

In a survey of 1,000 small business owners conducted by the US Chamber of Commerce, 57% ranked the economy as the first or second most important issue influencing their vote in the 2020 Election. With 30.2 million small businesses in the US, according to 2018 US figures, these voters make up a significant chunk of the electorate. “Small businesses provide so much to our economy,” Pete Mikulin, CEO of 3R Technology Solutions said. The company focuses on electronics recycling and data destruction.“We’re fortunate in that we’re OK. We’re just OK,” he said. The pandemic hit businesses hard like Mikulin's hard. “It wouldn’t take much right now to ruin, completely destroy the small business landscape.”Many are not sure what the future holds.“Your plans go out the window,” Mikulin said. “So you deal with it everyday, day by day, and it’s survival.”“It feels like we’re alone. It feels like there's no one in our corner as a small business owner,” he added.“There’s concern of the small businesses that not enough attention is being paid to them in Washington, that Washington is looking at some of the bigger items in the election and they’re forgetting about the fact that small businesses is the major driver of our economy,” Mac Clouse, business expert for over 40 years and professor at University of Denver, said.“The stock market is a general indicator of what's going on with stock prices, and stock prices are usually reflective of your larger firms, firms that are publicly traded,” he said. “That really doesn't measure what's happening with the mom and pop businesses, the small businesses. The only way we know how they’re doing is to ask them.”Of those surveyed, 78% said the economy was “average," “somewhat average," or “very poor” in August.“When you have people saying the stock market is doing great but 78% of business owners are saying the opposite, clearly there's a breakdown, not in what's being discussed, but what is meaningfully being discussed and taken action on,” Carlin Walsh, Owner and CEO of Elevation Beer Company, said. His business was impacted by shutdowns and restrictions.“Total, our revenue was cut 60% for what we normally would be,” he said. “I am not comfortable with what the next three to four months brings, so because of that, we've been putting more money than usual into savings.”Without the same safety net some of the larger companies have, small businesses are taking things day by day.“For them, what’s important is what’s going to happen in the next three to six months,” Clouse said.Many are waiting to see if they’ll see any help from the government. Surveys from the U.S. Chamber of Commerce show a majority of small business owners are more interested in the 2020 election compared to 2016.“We need our elected leaders to come together and provide targeted relief to the industries of small businesses that have been most deeply impacted, and that doesn't necessarily mean financial help although that's required as well,” Mikulin said. “All we’d like to do is keep our doors open and people employed. That’s it. That’s all.” 3095

In 2135, NASA says an asteroid the size of the Empire State Building could slam into Earth.According to the Washington Post, scientists say, though the chance is small, the asteroid could slam into Earth on September 22, 2135, destroying lots of living things on the planet.The odds of the asteroid, named Bennu, actually hitting Earth are one in 2,700. If the asteroid does get too close for comfort, the geniuses at NASA have hatched a plan.NASA says they could send a nine-ton “bulk impactor” to push the asteroid out of Earth’s orbit. The plan is called HAMMER, which stands for (deep breath) Hypervelocity Asteroid Mitigation Mission for Emergency Response.Though the odds are slim that the massive asteroid will hit Earth, in 1908, what is believed to be an asteroid crashed in Siberia with force 185 times as powerful as the bomb dropped on Hiroshima.The impact flattened 80 million trees and killed hundreds of reindeer. Scientists say Bennu isn’t all bad.The asteroid is giving scientists a chance to test theories. NASA’s OSIRIS-Rex will also map Bennu and figure out what the asteroid is made of.To learn more about Bennu, click here. 1153

If you're planning on receiving or sending mail on Wednesday, you may have to wait an extra day as mail service will be suspended due to Wednesday being declared a national holiday for President George H.W. Bush's state funeral.According to USPS, all post offices will close on Wednesday, and regular mail service will be suspended. USPS says package delivery will also be limited on Wednesday. Wednesday's suspension of mail service is part of a federal government closure ordered by President Donald Trump. Trump issued an executive order on Saturday to close the federal government "as a mark of respect for George Herbert Walker Bush, the forty-first President of the United States."Many other government offices will be closed on Wednesday, including the Social Security Administration. Also, the major domestic stock markets will not open on Wednesday.  892