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Paycheck Protection Program funds helped keep more than 5 million American small businesses alive through the first half of 2020, but one woman has a warning for anyone applying for aid.Kelleye Thomas, who runs a home daycare, had to shut down for three months due to the pandemic.Her income dropped to zero during the shutdown, but like so many small business and independent workers, she was saved by the government's Paycheck Protection Program."I applied for that through the Small Business Administration, and I was granted a forgivable loan for ,500," she said.That lifeline turned into a financial nightmare because of where she deposited the funds. Before she could even begin using the money, she said, Fifth Third Bank locked her account pending a fraud investigation."The check was deposited, and a few days later I noticed there was a freeze on my account," she said.Panicked, she called the bank."They let me know I needed a business account to receive the funds from this loan," Thomas said.Risk of using your personal accountA lot of independent workers and small business owners use just one account for everything because it is so much easier.But doing that can be very risky if you are getting any sort of federal aid.Business Insider says PPP loans must be put into a separate account to prevent:Payroll errors.Accidental misuse.Questions from your bank.That's what happened here, where the bank's investigation locked her out from all her money.As a result, she was unable to pay some of her most essential bills."I couldn't pay my mortgage or buy food or pay my credit card bills," she said.So we contacted her bank, Fifth Third Bank, where spokeswoman Laura Trujillo told us: "We take potential fraud seriously and are diligent stewards of our customers' money."Because the bank found no fraud in this case, it unlocked Thomas' accounts after our inquiry.Now, she's warning others about mixing pandemic aid with personal funds."I have always had my daycare money deposited into my personal account, and no one ever said anything about it or said I needed to open up a business account," she said.Business Insider says there is one more reason to keep PPP money separate: Eventually having the loan forgiven. Getting forgiveness can be much tougher if all your funds are commingled.So keep tight records, so you don't waste your money._________________Don't Waste Your Money" is a registered trademark of Scripps Media, Inc. ("Scripps").Like" John Matarese Money on FacebookFollow John on Instagram @johnmataresemoneyFollow John on Twitter (@JohnMatarese)For more consumer news and money saving advice, go to www.dontwasteyourmoney.com 2682

A baby male giraffe was born last week at Busch Gardens Tampa Bay!The park says Bea, a 14-year old reticulated giraffe, delivered her third calf on June 19. The Busch Gardens zoological team has been monitoring Bea and her male calf as they continue to bond behind the scenes at the park. As important developmental milestones are reached over the next few months, Bea and her calf will soon join the herd on the park’s Serengeti Plain where they can be spotted by guests.WFTS' Zack Perry was the first to report this story. 544

CHICAGO, Ill. -- Karate is well-known for teaching discipline, but its focus on core strength, balance and confidence-building could be effective for something else – helping people living with brain disorders such as Parkinson’s. Twice a week, inside a karate dojo in Chicago, students learn the fundamental movements of Kihon technique. “We did something called KoGo Kumite which is partner work, working on rhythm, working on distancing, working on timing and working on technique.” But for Fonseca Martial Arts head instructor Brian Ramrup this is a class like none other he’s taught before. “These guys all have Parkinson's,” said Ramrup. More than 1 million Americans have Parkinson’s disease. The progressive neurological disorder affects balance and movement. Tremors and stiffness are common symptoms, but the disease can also lead to depression and anxiety. For Sonia Vargas, diagnosed with Parkinson’s in 2005, it started with tingling in her legs. “It felt like I was carrying some piece of some heavy equipment on my legs,” said Vargas. A year ago, on the recommendation of her neurologist, Vargas joined the Chicago-area martial arts academy.“These guys are learning how to go to the ground safely, how to break falls,” said Ramrup. It’s a skill that can help avoid injuries for patients who begin to lose balance and fall frequently. It’s part of a program studying the potential for karate to slow the progression of the disorder. “When I went to the first class, the next day, I felt a difference. It was so remarkable,” said Vargas. Dr. Jori Fleisher is the principal investigator of the study and a neurologist at Rush University Medical Center. She says initial results are promising. “We found clinically significant changes in quality of life which is huge,” said Fleisher. “It's a great exercise covering a lot of the areas: balance, core strength, big large amplitude movements when people are kind of tiny or smaller, stiffer. They're sort of fighting back actively against that.” Camaraderie is also a key component. The group now competes together, cheering for one another on good days and bad. “The exercises help tremendously the competitions. I mean really gets you going. I mean my first competition I got I got the orange belt,” said Vargas. The year-long randomized program concludes next month, and Dr. Fleisher remains cautiously optimistic about the outcome.“I don't think karate will be the end all be all. It's not the answer, but could it be an answer? I think so.” 2521

Baltimore protesters pulled down a statue of Christopher Columbus and threw it into the city’s Inner Harbor on Saturday. Demonstrators used ropes to take down the monument in the Little Italy neighborhood. Baltimore Police stated, "we have no new updates to provide at this time." In a statement, Maryland Gov. Larry Hogan said on Twitter: "While we welcome peaceful protests and constructive dialogue on whether and how to put certain monuments in context or move them to museums through a legal process, lawlessness, vandalism, and destruction of public property is completely unacceptable. That is the antithesis of democracy and should be condemned by everyone, regardless of their politics." 721

TAMPA, Fla. — Attention Chick-fil-A fans! The fast-food chain is adding three new sweet treats to their menu starting September 14. A new chocolate fudge brownie and specialty-grade coffee will join the menu all year, while a seasonal cold brew will only be available for a limited time. The national chain says the brownie features a "rich semi-sweet chocolate melted into the batter along with tasty, fudgy chunks" and is sold individually wrapped. The treat can be purchased separately or by the tray. While the seasonal Mocha Cream Cold Brew gives you a boost and satisfies your sweet tooth. “We are always looking to add fun and flavorful offerings to our menu, and these new dessert and snack options make perfect additions as we enter the fall season,” said Leslie Neslage, director of menu and packaging at Chick-fil-A. “We received positive responses when we tested the Chocolate Fudge Brownie and Mocha Cream Cold Brew in select markets last year, and we hope our customers will be as excited as we are to have these sweet treats join our menu nationwide.”The new THRIVE Farmers coffee joining the menu features a blend of beans grown in Central and South America. This story originally reported by Emily McCain on abcactionnews.com. 1269

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