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There is arguably no industry in the US that has been harder hit by the coronavirus pandemic than restaurants. A combination of restrictions placed on restaurants and public health experts advising the public to avoid restaurants has resulted in a decline for many eateries.The National Restaurant Association said it expects that 10,000 restaurants will close in the next three months, based on a survey of its members.The National Restaurant Association is hoping to get some additional relief from Washington. Last week, a bipartisan group of legislators put forth a stimulus bill that would include additional funding for the Paycheck Protection Program, which helped businesses make payroll early in the pandemic."In short, the restaurant industry simply cannot wait for relief any longer," said Sean Kennedy from the National Restaurant Association. "We appreciate the efforts of a group of moderate members of the House and Senate to advance a true compromise between the competing proposals from Democratic and Republican leaders. If this moderate plan represents a 'down payment' for a larger relief package in early 2021, it will provide restaurants with immediate relief to hold on through the most dangerous point in our business year."While restaurants are having receding revenues, restaurant costs are not declining, and in some cases, increasing, according to the National Restaurant Association’s survey. The survey found that 58% of full service restaurants are expecting to furlough or layoff additional employees over the next three months. That’s with 89% of full service restaurants already operating at below pre-pandemic staffing levels.The National Restaurant Association says that 17% of bars and restaurants fully closed either permanently or temporarily in November due to the pandemic."What these findings make clear is that more than 500,000 restaurants of every business type—franchise, chain, and independent—are in an economic free fall," said Kennedy.The restaurant industry is a major factor in the US economy. The National Restaurant Association says that 15.6 million jobs are tied to the restaurant industry spread across over 1 million locations.Public health experts have warned that indoor dining is problematic as masks cannot be worn while eating and drinking.“It’s clear when you do contact tracing about where you get these outbreaks, it’s bars, indoor seating at restaurants, particularly at full capacity,” Dr. Anthony Fauci said last week in a Facebook conversation with Colorado’s governor. “When you’re in a restaurant, it’s very tough to eat with a mask on unless you figure out something I don’t know about.” 2668

There are options when it comes to getting a car. You can lease or buy, and now, you can get a car subscription.Luxury car makers like BMW, Jaguar, and Cadillac offer subscription services to their high-end cars, but it’s set you back a couple thousand. That’s why Ford is offering a more affordable service with used vehicles."You're going to be looking at around 0 monthly subscription cost, but that's inclusive of the vehicle the driving insurance your maintenance,” explains Allison Braley with Canvas, Ford’s subscription service. “You don't have to worry about out-of-pocket maintenance costs. There's no down payment."  Braley says it's an all-inclusive bundle, unlike with a lease. Many subscription services don’t' have a down payment or require car insurance. "A lease is great solution for people who know what kind of car they want for two to three years or more,” Braley says.  Through subscriptions, you pay a fee to swap out a car. For example, when winter comes around and you want to trade in your sedan for an SUV, with Canvas you pay a fee to swap cars.  FiveCentNickel.com says, on average, a car owner will spend ,200 a year on maintenance.  If your car breaks down or needs an oil change, most subscription services will pay for out of pocket maintenance. Subscription services are great if you want convenience, flexibility and a lifestyle where you change vehicle often.However, convenience often comes with a price. If you’re on a budget, financial expert Jonathan Duong says it may not be worth it. 1572

This time of year, inboxes are flooded with holiday deals and promotions, as well as phishing emails and texts that claim to have information on online orders and deliveries.“It might be your item is delayed that’s going to cause alarm. Or, it’s on its way that causes hope. So, we have a tendency to want to look at this information,” said Angie Barnett, president & CEO with the Better Business Bureau serving greater Maryland.When consumers click on the links, they’re asked for personal information, or malware capturing keystrokes and password information could be downloaded onto the device.An easy way to avoid being tricked is to keep a folder in your inbox just for emails containing order and tracking information.“Move it over there, and if you get a notification of shipping that tells you your order’s delayed or something, verify did you really order something that’s going to be delivered from that particular shipping handling entity? And verify that it is true and look at the tracking numbers that’s critical,” Barnett said.Other giveaways include poor grammar or spelling errors.If you receive one of these emails, you can forward it to USPS, Amazon, or UPS to investigate.This story was originally published by Mallory Sofastaii at WMAR. 1269

Trade war fears and a presidential attack on Amazon are rocking Wall Street.The Dow dropped more than 700 points on Monday, and the Nasdaq plunged 3%. The S&P 500 hit its low for the year and was on track for its lowest close since November. The sell-off left all three major indexes in the red for 2018.By the end of the day Monday, the Dow slightly recovered, closing down 458 points for the day.The sell-off on the first day of the second quarter came after President Trump once again attacked Amazon on Twitter. Amazon, one of the biggest drivers of the 2017 market rally, tumbled 5%, wiping out more than billion of its market value.Trump once again accused Amazon of taking advantage of the US Postal Service, and he suggested that Amazon does not pay its fair share of tax.In fact, Amazon pays the same lower rate that the post office charges other bulk shippers, and it collects sales tax in every state that charges it. Amazon does not collect sales tax on purchases made from third-party vendors."You've got the president of the United States attacking a single company over what he considers to be unfair practices," said Ian Winer, head of equities at Wedbush Securities.Amazon wasn't the only tech stock in trouble. Tesla, Netflix and Cisco all dropped by at least 4%. Intel plunged 8% on a?Bloomberg News report that Apple plans to switch to its own chips. Almost every stock in the Nasdaq 100 lost ground.The Nasdaq has plunged more than 10% from its all-time high on March 12."When investors see market leaders suddenly stumble, they become more cautious about the entire group," said Kate Warne, investment strategist at Edward Jones.Wall Street is also fretting about rising trade tensions, especially with China. Beijing responded to Trump's steel and aluminum tariffs on Monday by following through on its threat to impose tariffs on billion of US imports. The tariffs apply to 128 products, ranging from pork and meat to steel pipes.Trump plans to place additional tariffs on about billion worth of Chinese goods — and Beijing has promised to respond.John Toohey, head of equities at USAA, blamed the sell-off on concerns about the China tariffs. "Global trade could slow down, global supply chains could be impacted, and CEOs could be more cautious on capital spending," Toohey said.NAFTA worries are also on the rise after Trump took aim at the trade deal between the United States, Canada and Mexico. Trump on Sunday linked NAFTA to his efforts to build a wall along the border with Mexico."They must stop the big drug and people flows, or I will stop their cash cow, NAFTA. NEED WALL!" Trump tweeted."It's a cause for concern. That mixing of issues is contributing to uncertainty," said Kristina Hooper, chief global market strategist at Invesco.No matter the cause, signs of fear abounded. The VIX volatility index jumped more than 15%. CNNMoney's Fear & Greed Index of market sentiment dropped further into "extreme fear." Crude oil plunged about 3%. Gold, which tends to do well when investors are worried, climbed more than 1%."None of it makes a lot of sense," said Michael Block, chief strategist at Rhino Trading Partners. "I don't know what we learned that was new. Chinese tariffs are not surprising."After spiking last year, the stock market hit extreme turbulence during the first three months of the year as investors worried about tariffs, inflation and tech stocks. The Dow snapped its longest quarterly winning streak in 20 years.Stocks may be volatile, but the backdrop looks bright. Global economic growth is expected to accelerate and corporate profits are likely to surge, thanks in part to Trump's corporate tax cuts."It's unlikely to be the end of the bull market," Warne said. "The underlying fundamentals remain positive." 3823

Three motorcyclists stopped traffic at a busy Mesa, Arizona intersection Sunday afternoon to help a woman cross the street.The three riders; Eduardo Plascenia, Patrick Patterson, and Damon Pruit, were passing through 8th Avenue and Alama School Road around 1 p.m when one of the riders noticed and signaled to the others that a woman was stuck and stranded in the middle of the crosswalk. "No one seemed to care," explained Eduardo Plascencia. "No one slowed down and no one offered assistance." Video captured from Patterson's helmet shows Patterson and Plascenia turn around and head back to the intersection where Pruit had already stopped.The riders used their bikes to stop traffic and assure that the woman would be able to cross safely.The video shows the woman give a friendly wave to the riders who drive off after the woman is safely across. "She thanked us adamantly. She waved at us and thanked us. She had stopped shaking and had extended her hand to Eduardo and Damon and I behind her," said Patterson.  1060

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