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Stroll your local mall and you may spot some empty storefronts where mannequins once stood draped in the latest fashions — possible casualties of what some have dubbed the “retail apocalypse.”Not everyone agrees it’s all doom and gloom for brick-and-mortar stores, but challenges certainly exist. Major retailers have announced plans to close thousands of locations in the U.S., and the final tally for 2017 could number around 9,500 stores, according to projections from Fung Global Retail & Technology, an industry think tank.But just because a store turns out its lights doesn’t mean the end is also nigh for your store credit card. Its fate depends on the retailer’s business plans and decisions made by the bank that issues the card. The better you understand the process, the better you can manage your credit and keep it in good standing. 857
Tax refunds, a lifeline for many Americans to help get caught up on bills, or to buy much-needed items, could once again take some time to reach Americans in 2021.Earlier this year, many tax payers complained about delayed refunds amid the early days of the coronavirus pandemic. The IRS sent many of its employees to work from home, resulting in delays in processing refunds. It was also difficult for many Americans to contact the IRS.Meanwhile, the IRS was processing millions of economic impact payments as most American adults were eligible to receive a ,200 payment from the federal government.The IRS advised tax payers on Tuesday to not rely on a tax refund coming by a certain date.“The IRS always cautions taxpayers not to rely on receiving a refund by a certain date, especially when making major purchases or paying bills,” the IRS said on Tuesday. “Some returns may require additional review and processing may take longer. For example, the IRS, along with its partners in the tax industry, continue to strengthen security reviews to help protect against identity theft and refund fraud. Just like last year, refunds for tax returns claiming the Earned Income Tax Credit or Additional Child Tax Credit [lnks.gd], cannot be issued before mid-February. This applies to the entire refund, even the portion not associated with these credits.”The IRS said that the fastest way for tax payers to obtain a refund is to file electronically and request payment via direct deposit.The IRS said that once a tax return is received, Americans can track their refund using the “Where’s My Refund” tool on its website.According to the IRS, the agency issued 122 million refunds for tax year 2019, totaling 2 billion. The average refund was ,704. All told, the IRS processed 253 million tax returns for last year. 1825

Texas Governor Greg Abbott told KTSA radio on Monday that he plans to send nearly 1,000 Texas National Guard troops to the US/Mexico border, after already committing to send 250 troops last week. The announcement came a week after President Donald Trump said he would send the National Guard to the border. Trump said the move was needed to help secure the border. Defense Secretary James Mattis said that up to 4,000 National Guard troops could end up staffing the border.The National Guard will work in a support role along the border, as troops are not allowed to make arrests or perform law enforcement functions. Abbott said troops along the border could be "in this for the long haul.”Troops from New Mexico and Arizona also will work the border. California has yet to commit troops to the border. Although Trump wants to bolster border security, it appears that illegal border crossings are down. Immigration and Customs Enforcement officials said that arrests at the border in 2017 were at a 46-year low. The decrease in arrests continues a nearly two-decade trend. 1112
The ashes of world famous physicist Steven Hawking will be interred in London's Westminster Abbey near the graves of ground-breaking scientists Sir Isaac Newton and Charles Darwin.In a statement released by the Abbey on Tuesday, the Very Reverend Dr John Hall, Dean of Westminster, said it was a "fitting" tribute to the British scientist who passed away last week at the age of 76."We believe it to be vital that science and religion work together to seek to answer the great questions of the mystery of life and of the universe," Hall said in the statement. 567
Surprise! April the Giraffe may be pregnant again.One of the spokespeople for Animal Adventure Park in New York said on Good Morning America that they "can't confirm nor deny" the possibility of April being pregnant again.April took the world by storm when millions tuned into a live stream daily, waiting for her to go into labor at the zoo. April gave birth to Tajiri earlier this year. 412
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