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Small businesses employ roughly half of all Americans, but new data is showing many of these businesses are closing permanently.“It’s an excruciatingly hard decision,” said Martha Studstill. “You know small business owners put their heart and soul into their business.”For more than a decade Studstill has owned a small gift shop, Uptown Gifts, in South Carolina.“Until COVID came along we were buzzing,” said Studstill.Originally, in March, the plan for Uptown Gifts was to close temporarily for a few weeks. However, the shop has now been closed for more than three months. She has only been able to list items online, resulting in sales being down by 75%.However, sales aside and more importantly to Studstill, the danger of COVID-19, especially for someone her age, hasn’t subsided.“When we closed on March the 16, I really had no idea we would be where we are at today,” said Studstill.Studstill thought she would be reopening, not only earlier, but to fewer cases of COVID-19.Cases have actually been on the rise in her state. The uptick started most distinctly after reopenings. So, with the financial risk and uncertainty added to Studstill’s health risk of running the shop, she feels closing is her only choice.“I think if I were younger, I would not have made the same decision, but I am where I am at,” she added.Around the country, there is a wave of permanent business closures happening. One report done by Yelp shows more than 143,000 businesses listed on its platform closed between March and June. Now, roughly 35% of those businesses have indicated their closures are permanent. Most of those businesses closing are small businesses.“The numbers that are coming out are really sad,” said Frank Knapp with Small Business for America’s Future.Knapp heads the newly formed organization, pushing for better help for small businesses in Congress’ next stimulus package.“Our proposal for Small Business for America’s Future is that we need to put together grants for the really small businesses to help them get through this recession so that they are healthy on the other side and our economy can get back up and running again,” said Knapp.Saving small businesses could save jobs and be the fastest way to rebound the economy.“Small businesses hire about 50% of all workers in this country,” said Knapp, “We know from the last recession, it was small businesses that got us back on our economic feet again, not big businesses. Small businesses did the hiring right away.”“I think that this could be a defining moment where the general public could see just how important small businesses are to their community,” added Studstill. 2651

SOLANA BEACH, Calif. (KGTV) -- Solana Beach’s alternative to San Diego Gas and Electric appears to be in store for financial headwinds. A new city report says that the Solana Energy Alliance could run at a deficit for the next two years, which look to be more challenging than originally forecast. The city launched the alliance in June to help the city reach its goal of 100 percent renewable energy by 2035 and provide competition to SDG&E. Currently, more than 90 percent of Solana Beach energy and businesses buy their electricity from the alliance. It saves them about 2 percent from SDG&E. “They’re definitely stepping into deep water to try to do this themselves,” said Solana Beach resident Ed Radcliffe. “I hope they do it right.”Solana Beach City Councilman Peter Zahn said overall the energy program is healthy. It has high enrollment and is paying off expenses from the launch. He said it had higher revenues than expected while also having higher expenses than expected. Zahn said the report examined the alliance’s first three months, so it’s still early. He added a big hit came from a recent Public Utilities Commission decision to hike the exit fees residents pay SDG&E to buy it elsewhere. The Solana Beach city report says the fees could rise by as much as 50 percent. “While we are not happy with some of the factors that have influenced this - like the exit fee - we are really optimistic about going out into the future,” Zahn said.The report said higher energy prices and lower SDG&E electricity generation rates are also impacting revenue.In October, the city of San Diego announced plans to create its own alternative to SDG&E, called a Community Choice Aggregator. A spokesman for Mayor Kevin Faulconer says comparing Solana Beach’s organization to what is in store in San Diego is apples to oranges. That’s because the city would have a much larger group of customers, hence buying power. The San Diego program could launch in 2021. 1988

Sharpen your pencils and zip up your backpack because it’s time to go back to school San Diego! That nervous excitement which comes only once a year can mean lots of anxiety for both children and parents as you prepare. Starting off the school year can be easy if you take a few minutes to plan. This includes looking at children’s health and readiness. Vaccinations are an important way of keeping kids safe and healthy particularly when they’re going back to school. What do parents need to be aware of this coming school year?· Make sure to get your school medical checkups and records in order as early as possible. In California, that means No Proof, No School. The only reason not to have a vaccine is because of a medical reason. How serious are vaccine preventable diseases?· Kids are in close quarters on a daily basis so stopping the spread of infectious disease such as measles, mumps and other virus is extremely important. The most recent outbreak of measles in the U.S. have focused attention on this very contagious disease. · “Flu season” occurs in the fall and winter. The CDC recommends that people 6 months and older get vaccinated against the flu. · Whooping cough is particularly severe for young infants. Immunize your school-aged child so that they don't bring whooping cough into the household.What if you don’t have a regular physician or can’t get into see your family doctor before the school year starts? · You can find a community health center in your town. · If you don’t know of one call or go online to 2-1-1 to find the nearest clinic. Getting prepped for the first day. · Build in extra time that morning · Make it a return to routine vs a big day· Arrive at school early so kids can get the jitters out by visiting with friends· Go by the school a couple of days in advance to see what your child’s room is. · Check your school supplies: generally, a list available onlineTransitioning to a new grade or school? · Find out the teachers, class rules and schedules in advance. This is particularly important for incoming kindergarteners, middle and high school students. · Talk to your child about what they are learning in a positive way without imposing your own experiences on them · Be patient. Reinforce successes and discuss learning through failure. · Lastly, we cannot stress enough the importance of Parent Involvement! · It’s easy to be involved in the elementary grades, but equally important if your child is an older student – just different.For more info and a lot more resources be sure to visit the San Diego County Office of Education. Have fun and enjoy the new school year. You got this San Diego! 2659

Senate Minority Leader Chuck Schumer is pushing the incoming Biden administration to cancel up to ,000 in federal student loans when the president-elect takes office in January.His announcement comes as the nonpartisan Congressional Budget Office released data indicating that America’s student loan debt had increased by 700% during the period from 1995 through 2017.Schumer said that Biden can forgive the debt by executive action due to the Higher Education Act. The Trump administration previously cited the Higher Education Act in authorizing a freeze in student loan payments, which has been extended through the end of January.If Schumer has his way, the freeze would be made permanent for millions of student loan customers."College should be a ladder up but student debt makes it an anchor down. For far too many students and graduate students, some years out of school, student loans and federal student loans are becoming a forever burden," Schumer said. "They stand in the way of people getting the job they want, they stand in the way of buying a home, of starting a family, of buying a car and they hurt our economy dramatically.”Biden has not indicated support for the plan, and has instead offered a more modest recommendation of canceling up to ,000 in federal student loans.Loan burden increasingData released this week by the Congressional Budget Office shows that America’s collective student loan burden has increased seven times from 1995 through 2017 for a multitude of reasons.The CBO lays out a number of reasons why this has happened. One culprit is that borrowing from private, for-profit colleges has skyrocketed. Adding insult to injury, those who attend for-profit colleges and universities are more likely not to graduate, resulting in fewer job opportunities.The CBO also says that enrollment increased at universities across America through the late 90s and 00s, meaning there were simply more students to go into debt. The number of students taking out new loans did subside some after a 2011 peak, but remained higher in 2017 than they did in the 90s and much of the 00s.There has also been an arms race at universities to increase services to students, which increases costs. This comes while state support for public universities has decreased in recent years.Are student loans themselves responsible for increases to tuition?The CBO says that until recently, there was no evidence that an expansion to the federal student loan program was responsible for tuition increases at universities. But the CBO claimed that more recent data has suggested that federal student loans could result in increased tuition.The CBO cited a study conducted by Dr. Robert Kelchen of Seton Hall called “An Empirical Examination of the Bennett Hypothesis in Law School Price” among other studies.“Using data from 2001 to 2015 across public and private law schools and both interrupted time series and difference-in-differences analytical techniques, I found rather modest relationships across both public and private nonprofit law schools,” Kelchen wrote.College grads still fare better overallDespite all of the debt many college graduates face in the years, and even decades, after attending school, those with bachelor’s degrees or higher fare much better in the job market.According to the US Census’ 2019 data, the median income for a householder with a bachelor’s degree was ,036, with those with advanced degrees making even more. For those with an associate’s degree, a degree generally given to community college graduates, the median income was ,242. Those who attended some college, but did not have a degree, earned ,380 a year, while those who were high school graduates earned ,803.During the height of the pandemic, those with at least a four-year college degree were more likely to hang on to their job. The unemployment rate increased from 2.5% to 8.4% for those with a bachelor’s degree from March to April of 2020. Those with an associate’s degree or some college experience, but not a four-year degree, saw an unemployment rate increase from 3.7% to 15%.For those who graduated high school but did not attend college, the unemployment rate during the same period jumped from 6.8% to 21.2%.The most recent job figures, which were for the month of October, showed an unemployment rate of 4.2% for those with at least a four-year degree, 6.5% for those with an associate’s degree or some college, and 8.1% for those with a high school diploma and no college experience. 4529

SORRENTO VALLEY (KGTV): An 11-year old volunteer is proving that age doesn't matter when it comes to helping the hungry.Aiden Gruby has been volunteering at Feeding San Diego since he was six. His parents brought him as part of a family activity. He was hooked immediately."I think it’s really great. I love that feeling of helping people," he says.He loved it so much that his family started coming every week. When Aiden turned 10, Feeding San Diego asked him to become a team leader.Typically, the organization waits until people are 13 before they can take a leadership role.As a leader, Aiden helps with orientation and rules. He also directs volunteers as they sort food."I’m just so proud of him wanting to give back to our community," says mom Janessa Gruby. "There are kids who would rather spend their weekend playing sports, or playing video games, and he has asked us to come every weekend."Aiden says his favorite part of the job is "reclamation," which is the process of checking all incoming food for package integrity, expiration date and then sorting it by category.He has no plans to slow down any time soon."I think it’s really good to help people in need of food," he says. "These are people who have everyday lives and work like full-time jobs but can’t get enough food."If you want to help Feeding San Diego, click here to donate to 10News' Month of a Million Meals. There is also a telethon planned for Giving Tuesday (November 27) from 4-7 pm. Every dollar donated will buy four meals for a family in need. 1543

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