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The neon lights of Broadway’s Honky Tonk bars are still shining brightly each night in downtown Nashville, Tennessee. But across this city that's soul heavily beats to the pulse of local musicians’ songs, many independent music venues are in danger of going dark for good.Since 1971, Exit/In near the city’s west end neighborhood has long been a beacon for smaller artists looking to make it big. Over the years, everyone from Billy Joel to Cheryl Crow to Jimmy Buffet has graced the stage here. But it’s the smaller, less well-known artists who truly rely on a black box venue like this one.“It’s a purist’s room. It’s just a great old school style place,” explained owner Chris Cobb.Since March though, Exit/In and thousands of other venues like it across the country have been shut down--forced to close their doors because of the coronavirus.“It’s just not safe. It’s not safe to do what we do right now, unfortunately, and there’s no pivot option. We can’t curbside a concert, we can’t to-go a concert,” Cobb lamented.It’s that kind of daunting reality facing owners of clubs, venues and smaller music halls across the country. Many have already run out of money and most are out of time. Aside from the 57 employees that Cobb had to lay off, there are also closed signs now popping up on businesses around the neighborhood who rely on live shows to bring customers in.“We’re on the edge of a cliff with a huge number of venues right there at the edge and about to go over, and they won’t come back,” he added.While it’s not a giant stadium, venues like Exit/In are the kind of spaces where smaller artists get their start. In cities across the country, independent venues are deeply engrained in the culture of the communities they operate in.For musician Daniel Donato, not having a stage like Exit/In to play on has been difficult.“I want to create memories that people can go back to. I want to be somebody’s Friday night. And the first thing a musician plays is the venue, they don’t play their instrument, they play the venue they’re in,” Donato said.In addition to the income he’s lost, the 25-year-old musician is also missing out on a chance to refine his craft. There are countless musicians like him across the country stuck in a kind of painful limbo.“I have to have the energy of the people in the room, take that, put it in a guitar and make it something great,” he added.By the end of the year, live performance venues are expected to lose about billion on ticket sales alone. Because of the impending crisis facing smaller venues, nearly 2,800 have banded together to form the National Independent Venue Association (NIVA).A stunning 90 percent of venues in the organization say they will close by the end of the year without any federal assistance.“It’s happening and every day that goes by is a risk that it happens more, people have run out of money,” explained Audrey Fix Schaefer, who serves as the director of communication for the group.In recent months, NIVA has created the "Save Our Stages Act." It’s a billion grant program for independent venues with bi-partisan support. Now, all they need is a vote in Congress.“People have run out of money and they’re running out of hope,” she added.As for Cobb, it's not just about the jobs that have been lost, it's about the music that the country may never hear if independent venues go silent forever.“It’s hard to think about American music without this network of independent music venues that have existed in this country for decades now. American music, as we know it, would not exist. I’m afraid that’s what we’re about to learn the hard way is it can’t exist the way we know it if these venues go away,” Cobb said.But for now, that's a song Cobb is trying not to write, hoping that the sun doesn't permanently set on some of the nation's most beloved stages. 3854

The Macomb County (Michigan) Sheriff's Office is investigating after a teacher was hit by a minivan outside of a school on Friday morning.According to the sheriff's office, the 57-year-old Lenox Township woman is a teacher at Prevail Academy in Mt. Clemens and was working as a crossing guard.She was taken to the hospital and is in critical condition. No one else was injured.The sheriff's office say the driver is cooperating with deputies and the investigation is ongoing.Cass Ave. is shut down between Rose St. and Mary St. while they investigate. 574

The next few weeks mark the beginning of serious financial uncertainty for millions of people, because a slew of debt, from income tax payments to several months of rent, are going to be due at the same time. “It is going to be a perfect storm of financial difficulty for many, many people,” said Andrea Bopp Stark, an attorney at the National Consumer Law Center (NCLC).The center recommends three steps for anyone that finds themselves in a financially difficult situation regarding debt.Step one: create a list of priority bills and debt to pay off. “People are going to be barraged with debt collectors calling and trying to get them to pay on a medical debt or a credit card debt, but those debts are less important,” said Stark. “Pay debts that if you didn’t pay them it would cause immediate harm to your family.”Those are things like your rent and a car payment, especially if you need your car to go to work.“If you have a judgment against you, a court judgment against you for a debt, it is important to try and make a payment plan to pay that because creditor could issue a garnishment against your wages,” Stark added. Step two: contact your lender to make a payment plan on those priority debts.“We are seeing data come in that there are people who are delinquent and don’t have a forbearance agreement when they could very easily be in a forbearance agreement,” Stark added. “I know wait times on the phone are horrible right now, but you have to be persistent and get through and find out what help is available.”Data collected by the U.S. Census shows that delinquency rates are higher in communities of color.“It is mostly Black and Latinx borrowers who are not getting these forbearance agreements,” said Stark. “Whether they don’t know about it or nobody is reaching out to them to let them know this is available, we don’t know why but that is a population that is going to be disparately impacted and has already been disparately impacted by this whole crisis.”Step three: find a way to stick to your prioritized debt list. “It may sound obvious but if you have it on paper and you have created a budget, stick that to the refrigerator or wherever, then you know these are the priority spending items,” said Stark. “If your son or daughter say, ‘Oh, I want this or that,' ‘no, look at the fridge these are our priority spending items, sorry.’” Because every situation may not be solved in three steps, the NCLC has now made its in-depth guide to Surviving Debt available for free. It has template letters to send to debt collectors and hundreds of pages of help to get you through this tough time. 2626

The National Retail Federation expects the average shopper to spend roughly ,000 on gifts this Christmas —up about from the year before.You could end up spending even more, depending on how you pay for it.According to the U.S. Federal Reserve, nearly half of Americans say they couldn't cover an emergency expense over 0. Consumer protection attorney Gordon Leech explains how the interest rate can vary wildly after those flashy offers expire."Good credit helps you it certainly helps you but it doesn't mean that whoever you're getting the credit from is actually giving you the best rate you ought to get," Leach said.Layaway is another option to get what you want without it affecting your credit or paying interest.The Better Business Bureau Serving Wisconsin points out the drawbacks include down payments and fees."What if you're halfway through and you decide you don't want it anymore what kind of refund do you get? Do you get any of it back do you get all of it back?" said Jim Temmer, president of BBB Serving Wisconsin.The number one point the BBB president says is to make sure to stick to your budget. As hard as it is, do not buy what you cannot afford. 1191

The only way this stops is if people rise up. You get what you accept. #FreedomMatters #StepUp https://t.co/8QKBszgKTM— Scott W. Atlas (@SWAtlasHoover) November 15, 2020 177