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Many of us dream about being our own boss, but the thought of actually doing it can be daunting. A new survey suggests many of us share the same concerns about starting our own business. One woman knows that fear all too well, but she overcame it and says you can too.“Every client I try to know their name,” said Whitney Herman, the owner of Shift Cycle. “Everyone who walks in the business I want to be their friends. I want them to feel like this is their home because I feel like it's my home."It’s been two years since Herman officially became a small business owner by opening Shift Cycle, a boutique indoor cycling studio offering 45-minute indoor cycling classes.The new mom couldn't find a place where she could work out and bring her newborn daughter along. “Pretty much everywhere that I wanted to go, none of them offered childcare,” Herman said.So, she decided to create a place of her own.Turns out many of us see ourselves as entrepreneurs as well. The UPS Store talked with people as part of its Inside Small Business Survey and found 66 percent of them dream of opening a small business. But fears may be holding many back, something Herman understands.“Terrifying,” Herman said. “I mean it's still scary.”Forty-five percent of people are concerned about financial security, and 39 percent are concerned about the financial commitment required to open the business.“I think the funding and financing for most people is the hardest part about starting a business,” Herman said.  She struggled to get a loan because many lenders require two years of business experience.“I mean there were times where we were like, ‘I don't think we're going to do it,’” Herman said.  “We would get so close and then we had a bank be like, ‘Oh sorry, we can't do it.’”She was able to get funding through a non-profit, but still struggled with a fear 37 percent of people in the study share; fear of failure.“I have no MBA,” Herman said. “I have no degree in anything business related. I've never really managed people. I don't really know anything about finance, so I was kind of going it's completely blind.”Luckily her husband knew more about those things. And what she lacked in those areas, she made up in passion and desire to learn along the way. If you have a dream of starting a business, Herman says you can do the same thing.“You just have to believe in your product,” Herman said. “And you have to believe in yourself that you're strong enough and motivated enough to just kind of fight. And you know you get where you want to go because no one's going to do it but you.” 2643

Melania Trump says she and President Donald Trump have faith in judges and the legal system to rule justly -- a statement that appears out of step with the president.At an event Monday in Pennsylvania, the president assailed as “very dangerous” a decision by Pennsylvania’s top court to allow mailed ballots received in the three days after Tuesday’s election to be counted.Later Monday, the first lady addressed a Trump rally in Huntersville, North Carolina. She expressed faith in the doctors, nurses, and scientists working on the coronavirus pandemic.Trump suggested Monday that he might fire Dr. Anthony Fauci after the election.Trump has disagreed with pandemic advice from Fauci, the nation’s leading infectious-disease expert and member of the White House coronavirus task force. 795

Melania Trump is slamming Joe Biden, Democrats, and the media as she campaigns for her husband in Pennsylvania.WATCH RECAP:In her first solo appearance of the presidential campaign, Mrs. Trump says Democrats focused on a “sham impeachment” instead of the coronavirus pandemic. "The Democrats have decided to put their own agenda ahead of the American people's well-being," Melania said. "Instead, they attempt a divide, a divide on something that should not be non-partisan. A divide that causes confusion and fear instead of hope and security."She denounced what she called Biden’s “socialist agenda” and criticized media coverage of “idle gossip and palace intrigue.”Melania Trump also defended President Donald Trump’s record on COVID-19 even as he continues to downplay the threat of a virus that has killed more than 226,000 Americans."We all know the American spirit is stronger than this virus," the First Lady stated to the crowd in Pennsylvania. "We have proven that we can and will overcome this unexpected challenge."Her husband's chief of staff, Mark Meadows, said over the weekend that the U.S. is not going to be able to contain the virus.The first lady’s event 50 miles (80 kilometers) west of Philadelphia drew a couple of hundred supporters who piled into a converted barn typically used for wedding receptions. The overwhelming majority wore masks, but there was little social distancing.Mrs. Trump was diagnosed with the coronavirus earlier this month along with her husband, and she decided against attending a rally with the president last week because she was still feeling lingering symptoms. 1623

MEXICO CITY (AP) - A magnitude 5.9 earthquake shook the southern Mexican state of Oaxaca on Monday, days after a more powerful temblor hit the same area. 161

MEXICO CITY (AP) — Residents of the town of Sonoyta, across from Lukeville, Ariz., briefly blocked the main road leading south from the U.S. border over fears of coronavirus outbreaks. Arizona has seen a major upsurge in infections, and there were worries about intensified contagion during the July 4 weekend. The mayor of Sonoyta issued a statement "inviting U.S. tourists not to visit Mexico." Local residents organized to block the road with their cars on the Mexican side. The road is the quickest route to the seaside resort of Puerto Pe?asco, also known as Rocky Point. 584