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It’s National Blood Donation Week and as countries around the world deal with the coronavirus pandemic, America is also suffering from a blood shortage.“We need 5,500 units or donations of blood everyday across our country,” said Brittany Calvert with Vitalant, one of the country’s oldest and largest nonprofit blood service providers.Helping try to fill that need are people like lifelong blood donor Karl Baines who donated blood at the Downtown Denver YMCA.“We waited a couple months until we felt things were safe but this is the second time we’ve given since COVID hit,” he said.Since COVID-19 hit, many blood drives have been canceled.“Typically, we partner with corporations, businesses and schools,” Calvert said. “Right now, they really can’t commit to host blood drives.”Calvert says with COVID-19 making blood drives much more difficult to hold, YMCAs across the country started helping by providing large indoor spaces that can accommodate social distancing and allow for blood to be collected safely.“They really stepped up and opened their doors,” she said. “We’re doing multiple blood drives a month in the YMCAs.”In addition to the blood drive, Vitalant is also testing for COVID-19 antibodies, a move questioned by some medical experts, but blood donor leaders say it’s well worth the investment.“We know that this is an experimental and investigational treatment,” Calvert said. “But hospitals want it and so we are doing everything that we can to provide them with what they need to support the patients that they are treating right now for COVID-19.”With bags of donated blood having a shelf life of about six weeks, Calvert is calling on more people to be like Baines and become a blood donor during this crisis. 1742

It’s a tough time to do your banking if you prefer going to a branch. Hours have been cut at many locations, and social distancing guidelines mean bank lobbies are limiting traffic — assuming they are open at all.For customers who absolutely need to visit branches, banks are taking steps to prevent the spread of COVID-19. Sean Potter of Minneapolis, who blogs at My Money Wizard, saw these precautions during a recent meeting at his local bank. “It was awkward because I had an appointment with the relationship manager, and we still had to maintain 6 feet of distance even though we had to review the same documents together,” he says.Potter appreciates that the branch was trying to ensure his safety, but says he’s now considering other ways to bank. “From now on, it’s online or on the phone,” he says.Here are some ways you can bank without leaving home, along with safety tips if you do need to venture out to a brick-and-mortar branch.Explore online options“A lot of banking can be done with the click of a button,” says Brian Milton, head of retail banking at Union Bank. Union and most other banks and credit unions have robust websites and apps you can use for many banking tasks.Deposit checks. With mobile check deposit, you can snap a photo of a paper check and submit it online, via app or your bank’s secure website.Pay bills. With online bill pay, you can log in to your bank’s webpage and enter the name of the recipient and their contact information. Your bank handles the rest by making an electronic funds transfer or mailing a paper check.Apply for an account. Opening a new checking or savings account can be as easy as going to a bank’s website and submitting an online application. To apply, have your driver’s license and Social Security number handy to prove your identity.Sign documents. Some institutions use digital services such as DocuSign to prepare documents, including loan and account opening paperwork. They can be securely emailed to you, and you can sign them electronically by clicking highlighted prompts.Request payment assistance. Need some leeway with loan payments? Some banks are allowing customers to request arrangements online, including delaying due dates for bills, temporarily reducing monthly payments or asking for fee waivers.Or pick up the phoneKeep your bank’s customer service number nearby. You can use it to speak to a real person about account questions or issues.For example, some banks have announced that customers can call and request to waive non-sufficient funds fees, overdraft fees and monthly service charges.But keep this in mind: If you’re faced with steep fees, it may be better to simply switch to a cheaper bank. Online-only institutions, for example, tend to have low or no monthly service fees, and some offer toll-free customer service numbers staffed 24 hours a day, seven days a week. To learn more, read our primer on online banks.Bank safely at a branchIf you still need to visit a bank branch, here are some ways to protect yourself.Get it on the calendar. “Before you visit your local branch, it’s a good idea to call ahead and schedule an appointment,” Milton says. He adds that doing so helps branches manage occupancy and social distancing requirements.Calling ahead can also help the bank make sure it has a staffer on hand who can help you with a specialized transaction or request, he says.Consider drive-up services. Some banks have drive-up lanes where customers can receive the same services offered inside a branch, such as making cash deposits and withdrawals, and getting money orders, all at a safe distance from other people. You could also withdraw cash from an on-site ATM without the need to interact with a teller.Bring your protective gear. Since you’ll be touching screens, door handles and other public surfaces, consider bringing hand sanitizer or wearing gloves. If you do need to step inside a lobby, you may also be asked to wear a mask for everyone’s protection.Accept the changes. Steve Turner, a publicist in Chesterfield, Missouri, says he visits his local branch a few times a month to make business deposits. “There are signs on the floor showing where people should stand to keep their distance,” he says. Turner has also noticed there’s less small talk with the tellers, and reasons it’s because everyone is wearing a mask. He believes these changes will remain for a while. “It was odd at first, but now it seems like a new normal,” he says.More From NerdWallet3 Ways to Skip Your Bank’s Long Phone LinesLooking for Safer Ways to Pay? Go ContactlessIs My Money Safe in a Bank During the COVID-19 Crisis?Margarette Burnette is a writer at NerdWallet. Email: mburnette@nerdwallet.com. Twitter: @Margarette. 4731

It's called an "atmospheric river" -- basically a river in the sky -- that could unleash catastrophic amounts of rain.And the major storm is barreling right toward the fire-scarred regions of Southern California, with a potential to trigger flash flooding, mudslides and significant debris flow.The heaviest rainfall is expected Wednesday afternoon through Thursday, and officials have already ordered mandatory evacuations in Santa Barbara, Ventura and Los Angeles counties. Up to 1.5 inches of rain have fallen in the burn scar areas since late Tuesday."That's a concern when you put in the heaviest rainfall anywhere in the United States and put it right over Southern California, directly over burn scars," CNN meteorologist Pedram Javaheri said."Some of the areas could see 6 inches of rainfall over 36 hours. That's six to eight months of rainfall in 36 hours, right over what would be a significant Thomas Fire burn scar region," he said. 963

Inmates in Iowa's correctional system are suing the state to strike down a recently passed law that has banned pornography in prison, CNN affiliate KCCI reported. Iowa attempted to pass a similar law 30 years ago, but a federal judge struck the law down for being too vague. One expert told KCCI that the new law is more specific, and will likely withstand judicial review. "Prisoners generally have rights to access -- absent some incredibly dangerous person -- (including) reading materials," Drake University Constitutional Law Center Director Mark Kende. "And they have constitutional rights, even though they're in prison, the rights are diminished, but they have them."The law eliminates both viewing porn within individual jail cells, and in pornography reading rooms. Among the lawsuit, 58 inmates have joined the lawsuit, and are also asking the state to pay them ,000 each in damages.  931

In the midst of an economic downtown, small businesses had to figure out how to stay afloat. The website fundBLACKfounders launched earlier this year, and is providing a platform to help small businesses that are in need, or are looking to launch.“We offer a boutique movie-going entertainment experience,” Kendra Tucker explained. She helps run Next Act Entertainment. The idea for the Maryland business started in 2018, in part with co-owner Anthony Fykes.“2019 we opened up the theater. We took up a 1938 Art Deco theater right outside of Baltimore,” Fykes explained. “And we basically renovated it.”Then COVID-19 hit, forcing businesses like movie theaters to close temporarily.“During this time we knew that we just needed to survive as most small businesses do, and we had a lot of guests that were asking us about, How can we support you?'” Fykes said.For some businesses, closures weren’t temporary. A study out of Stanford University showed the drop in business owners from February to April 2020 was the largest on record, and black-owned businesses saw a 41 percent drop.So Fykes looked for help. “I basically just did a Google search and I found Renee, and the platform looked legit,” he said.He had come across fundBLACKfounders, a crowdfunding platform.“We were super nervous at first around even doing something like this. We were like, how are we going to be perceived, are our guests going to think we’re going belly up?,” Fykes said.“What I noticed with crowdfunding is that not a lot of African Americans were using it for ownership or for building businesses or startups,” Renee King said. She started fundBLACKfounders. She said anyone can start a campaign on the platform -- but unlike other crowdfunding sites, fundBLACKfounders coaches businesses through the process, and gives founders flexibility. The platform takes five percent commission on funds earned.“They can raise or lower their goal amount,” King explained. “As the money starts to come in and our merchant account clears it, the money goes straight to the founder.”“Starting in the end of January 2020 through now, we’ve raised over ,000…for 12 black entrepreneurs,” she said.For Next Act, the platform provided a way for the community to help.“It’s success is really built on the strength of the community that supports it, and fundBLACKfounders, it matches the type of strength and support that we get from our community,” Tucker said.For other companies like Saraa Green’s startup, the platform gives her a way to get an idea going. “We initially wanted to raise capital for our business to bring our tool out into the market,” she said.Her product is called The Braid Releaser. “My mom had to take out our braids and take down our braids and that would take hours, and the tools that she was currently using really wasn't doing its job,” Green explained. “She wanted to create a tool that would decrease the time in taking down braids, that is comfortable to use, and that essentially reduces the hair loss during the process.”That’s when she met Renee King. “I did not want my mother's dream to just come to an end because of this pandemic,” Green said.Nearly eight in 10 small businesses are now fully or partially open as of June, according to a poll by the U.S. Chamber of Commerce.“What's good is this is actually helping us think through how do we flex into the entertainment part of our business,” Tucker said. Next Act has expanded to become a broader entertainment space, and is even being used for private events to help stay in business.As fundBLACKfounders grows, King wants the platform to help connect businesses to their communities.“We need to start helping black entrepreneurs a little bit more, and getting them more funding so that they can scale the solutions they need for their communities or they need for the world in general,” King said. 3864