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RICHMOND, Va. — Despite a recent extension of student loan relief, experts suggest borrowers should begin preparing now for repayments to begin."The best thing you can do right now is to set a plan forward for your repayment," said Andrew Pentis, who works with LendingTree. "It's possible that this moratorium could be extended by the Biden administration or the newly-elected Congress. But Biden takes office on Jan. 20 and the current moratorium is expected to end right now at Jan. 31. So that only leaves you know less than two weeks for a decision to be made on whether the moratorium will be extended."Pentis said that since March, millions of student loan borrowers have been given an administrative forbearance, which suspended payments and interest and stopped collections on all defaulted student loans. He said borrowers with government-held federal student loans did not incur penalties during the moratorium."If you have an eligible federal student loan and you're seeing any of those negative impacts such as your credit score being affected your credit report showing and delinquent account, it's best to contact your federal loan servicers," Pentis said.For borrowers struggling to afford payments, Pentis suggested they enroll in an income-driven repayment plan to lower monthly payments. "You could also pause your payments via a deferment for unemployment or other economic hardship reasons," he said.He said hoping the government will simply wipe away the more than trillion in student loan debt is not a wise option."There are billions of dollars worth of private student loans and student loans that are no longer in the hands of the federal government," he said. "So even if both major political parties got together and decided this is what they wanted to do, it's unlikely that we would see more than a trillion dollars actually went away."While Pentis says it is best to plan to restart payments at the end of January, reports surfaced on Thursday that Congress is close to striking a deal on more COVID-19 stimulus that could include more student loan relief.This story was originally published by Shelby Brown on WTVR in Richmond, Virginia. 2181

RIVERSIDE, Calif. - A California couple's fiery Halloween decorations are so hot it's prompting people to call 911.According to KABC, Carmen and Travis Long of Riverside decorated their home with a "Pirates of the Caribbean" theme, along with a realistic fire coming from the house.Riverside County Media captured video of the home's decorations. 354

SACRAMENTO (KGTV) -- As summer travel heats up, California's gas tax is rising again on July 1. The 5.6 cent increase per gallon comes as GasBuddy reports that prices in the rest of the country could fall below by the end of the year. The gas tax hike also comes amid reports of an increased number of bridges around the state in poor condition. RELATED: Newsom proposes plan to withhold gas tax funds from cities that don't meet housing requirementsSB1 was signed into law by then Governor Jerry Brown in 2017 and increased the gas tax by 12 cents per gallon and registration fees by as much as 5.In November of 2018, an effort to repeal the gas tax increase, Proposition 6, failed to pass in a statewide vote."The test of American strength is whether we defeat this stupid repeal measure which is nothing more than a Republican stunt to get a few of their losers returned to Congress," Brown said of the repeal effort at a 2018 event. Those who support the taxes say they're estimated to generate billion over a decade. 1040

Retailers and logistics experts say, like everything else in 2020, this year's holiday shopping season will be like no other. You can expect delays, out of stock items and missed deadlines.David Bolotsky is the founder and CEO of the online retailer Uncommon Goods, which connects independent artists, designers and makers with customers. The Brooklyn-based company was at the epicenter of the pandemic and had to shut down for three months. Then, when everyone started shopping again, they did well.Now, they, and many other businesses, are encouraging people to get started on their shopping. No need to wait for Black Friday. In fact, they're warning people to start before Thanksgiving. Like now.“Demand has been strong and a friend of mine calls it ‘Shipaggedon,' concern about what’s going to happen in the transportation network,” says Bolotsky, who also says the supply chain will be limited. “What I think it means for shoppers is if you see something you want, I would buy it now; stick it under the tree.”Kirsten Newbold-Knipp, chief growth office at Convey, a technology company that helps retailers with on time deliveries said, “All the delivery trucks are out and they are busy, you may not have heard of it but there’s sort of a shortage going on right now. They’re having a capacity crunch, not enough drivers, not enough trucks not enough warehouses right now, because of all the things the pandemic has done. We’ve started shopping online more and more and no one anticipated it.”Logistics and shipping are her expertise.“We help them think about what are the trucks doing what are the packages doing what’s happening with on time delivery what kind of damage is happening so they can give consumers the best delivery experience- holidays or not,” Newbold-Knipp said.This year, holiday gifts will undergo a true supply and demand issue, magnified by a pandemic and already backfilled orders. Add in staffing made difficult by things like social distancing and we've got problems.“The other thing that consumers don’t think about is that the actual warehouse space to be able to fulfill orders is limited. They might not have the inventory so fulfillment times are delaying, the pick and pack piece is taking longer and the trucking piece is taking longer,” said Newbold-Knipp.She said consumers need to think ahead, have a backup plan, look for alternatives, use multiple retailers, shop locally, and sign up for text alerts."Only 5% are signing up for SMS alerts, but by regulation the retailer can’t spam you. They’re only allowed to send you a transactional note via text,” Newbold-Knipp said.She also said things that tend to sell out are the items that don't have much variation, such as televisions, toys and specific electronics.“If we see the kind of growth at Christmas that we’ve seen the last few months, we could be looking at 50% growth over last year in terms of online demand,” BolotskyHe recommends having Santa come early, and hide those items until the big day. 3006

SACRAMENTO, Calif. (AP) -- California's confirmed coronavirus cases have topped 409,000, surpassing New York for most in the nation.John's Hopkins University data showed Wednesday that California now has about 1,200 more cases than New York.However, New York's 72,302 deaths are by far the highest total in the country and nine times more than California's tally.RELATED: SD County COVID-19 TrackerNew York's rate of confirmed infections of about 2,100 per 100,000 people is twice California's rate.U.S. government data published Tuesday found that reported and confirmed coronavirus cases vastly underestimate the true number of infections. 649

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