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COVID-19 has claimed the lives of thousands of people around world. It has sent financial markets into a downward spiral and now, the backbone of the American economy, roughly 30 million small businesses, is in jeopardy.“Most small businesses really don’t have much in the way of cashflow,” said Todd McCracken. “They are in the position to last for days maybe weeks, for the most part, if they don’t have money coming in the door.”McCracken is with the National Small Business Association. Many of NSBA’s 65,000 members have had to shutter their doors temporarily in the name of public health, but the longer these businesses remain closed, the more concern there is over whether some will ever reopen.“Small businesses are half our economy,” McCraken added. “Most new jobs are provided by smaller companies and about half of all non-governmental employment is provided by smaller businesses.”So, what exactly do small businesses in America need right now to survive this pandemic, the financial side at least?“They need liquidity, they need cash. That’s the bottom line,” said McCracken.Some small businesses are getting cash from bigger companies, like Facebook. Last week, the social media giant pledged 0 million in grants for 30,000 small businesses struggling right now.In addition, the U.S. small business administration has begun offering up to million in low-interest disaster relief loans to small businesses effect by COVID-19. The loans are 2.75 to 3.75 percent.Meanwhile, a growing number of states, like Florida, are offering no-interest loans. Typically though, they max out at ,000 per small business.Importantly to note, whether a business is applying for private sector grants or government loans, they should expect the process for both to take a few weeks. A few weeks could just be too long for many of the small business feeling the financial impact of this pandemic, and that is why organizations like the NSBA are closely watching the second stimulus package being proposed in congress.The latest version of the package would offer 0 billion in small business loans that are expected to be issued in a faster timeframe and with more substantial benefits. The catch is small businesses who get this money have to commit to not to laying off their current employees.“This is a really good package for small companies,” said McCracken. “It would allow them to get a loan, we hope very quickly to support their operations but importantly the amount they spent on staffing and their rent payments can be completely forgiven.”What is loaned but not used for rent and staffing would have to be paid back, but the business has a year to do so. “There are still going to be hiccups I am sure, because we’ve never tried anything like this before,” said McCracken, “because this is literally going to be millions of small businesses applying for these loans in a very tight window.”McCracken, most financial analysts and even economist believe if small businesses can stay afloat, then the economy and average Americans should be able to bounce back faster post-COVID-19. 3110

CAPE CORAL, Fla. -- A once-in-a-lifetime radio sweepstakes helped a Cape Coral, Florida, couple start their own family.Back in 2017, B103.9 held a 'Win a Baby' contest in which the winner gets a round of in vitro fertilization treatments and required medication.Now, Krista and Anthony Rivera can call themselves parents. “When we thought we couldn’t have a baby, it was crushing,” said Krista.Things made an unexpected turn a few years ago. “Out of nowhere, we got the news that I was diagnosed with testicular cancer,” said Anthony.Their only option was IVF treatment but it’s expensive. Then they 613

Dog's aren't just our best friends, they're also good for our health, new research suggests.A study published Friday in the journal Mayo Clinic Proceedings says that owning a pet, especially a dog, may help maintain a healthy heart -- in case you needed any more reason to head to your local animal shelter.The study began in 2013 and 2014, when researchers gathered health and socioeconomic information on over 2,000 people in Brno, Czech Republic, and scheduled follow-up evaluations for every five years until 2030.The latest was this year, in 2019, when researchers again looked at about 2,000 people with no history of heart disease. They scored the participants on the American Heart Association's list of seven ideal health behaviors and factors, also known as "Life's Simple 7": body mass index, diet, physical activity, smoking status, blood pressure, blood glucose and total cholesterol.The researchers compared the cardiovascular health scores of pet owners with those of petless people. In general, people who owned a pet were more physically active than those who did not, with healthier diets and blood sugar levels.But then they compared dog owners with everyone else and found that no matter their age, sex or education level, they benefited the most in terms of cardiovascular health.Take that, cat people.The findings are consistent with research that has shown that dog ownership leads to more physical activity. Meanwhile, pet ownership in general reduces stress, betters our self-esteem and makes us more social.Francisco Lopez-Jimenez, one of the lead researchers on the team, said what makes this study so significant is that it showed the benefits of having a dog go beyond just increased physical activity. The study included many factors that determined the health of the heart and arteries, like showing that dog-owners tend to also have a healthier diet than other pet-owners -- thus contributing to a better cardiovascular health.It's "putting everything together and not just focused on a single factor," he told CNN.But he also pointed out that the results may be skewed, simply because so many people own dogs. Of the 42 percent of subjects that owned any type of pet, 24 percent were owned dogs. 2240

EL CAMPO, Texas – A small camera was found hidden in a boy’s restroom at a Texas elementary school on Monday.The camera, containing video/photographs of unknown male students, was discovered at Northside Elementary school during routine maintenance, according to the 279

Estevan Almanza has worked in the construction industry for nearly a decade, with his pay increasing from to 22 an hour.Over the past few years, he’s seen this industry struggle to find qualified workers. That has been putting extra stress on him and his crew.“A lot of work on us,” Almanza said. “It’s more tiring, but I guess more hours.”And now, it's more concerning because the impact of this labor shortage is being felt across the country.Associated Builders and Contractors projects the construction industry will need nearly half a million more workers in 2020 and an additional 740,000 more in 2021.This shortage of construction workers could end up costing you.“The laborers, they affect everybody’s lives,” said Zsuzsa Balogh, Ph.D., the program coordinator in the Department of Civil Engineering Technology at Metropolitan State University of Denver.She says the reasons for the shortage range from retirement to construction workers retraining themselves for other industries.With less skilled laborers and more of the qualified workers clocking overtime, Balogh believes that extra cost is passed on to consumers.“You can see the increase of the cost,” she said. “Basically, somewhere that money has to show, and the consumers will be the ones to pay that extra money.”In an attempt to help attract more skilled workers, some contractors are offering improved incentives like health care, 401k options and yearly raises.“It’s as bad as we’ve ever seen,” said Todd Smith, vice president of operations for Lawrence Construction Company. “Very few people are going into this industry.” Smith says this shortage of skilled workers is creating a timeline of concern.“Right now, we’ve had ads out for certain positions for six months and haven’t gotten any responses yet,” he said. Smith believes in addition to the spike in retirements, there’s also fewer construction workers because there’s less vocational training available.“We’ve pushed all of our young people into college which college is great for some people for some people but not for everyone,” Smith said.As companies like Lawrence Construction continue to struggle to find staff, bids keep getting higher.“It’s going to be driving the prices up, because it’s now with the labor shortage, now the people can demand a higher pay,” Smith said.Though construction is hard work, Smith says its can also be very rewarding.“You can drive down a stretch of road and tell you family, ‘I worked on this job’” he said. “And you can do that for many years to come.” 2543