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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

Carl Goldman and his wife Jeri couldn’t have written a more perfect script for the first 15 days of their Southeast Asia cruise.But the last day marked the beginning of an unpredictable story.“We were fortunate because we had a mini-suite so we had a balcony and could look at the craziness out there, which was like a scene out of the movie the Andromeda Strain, with 60, 70, 80 ambulances at each time, media was all around,” said Carl. They were among thousands of passengers quarantined on the Diamond Princess cruise ship in Japan. One passenger tested positive for coronavirus and hundreds more followed.Passengers were initially told the delay would be one day but that became two weeks. “We made the best of it, over the 12 days, and decided to go public with it at the time, and had a tremendous response.”The Southern California radio station owners 872

Chris Kraft, NASA's first flight director, died Monday, two days after the agency celebrated the 50th anniversary of the Apollo 11 moon landing, according to NASA. He was 95."America has truly lost a national treasure today with the passing of one of NASA's earliest pioneers -- flight director Chris Kraft," said 326

CRAWFORD COUNTY, Ga. – The body of a missing college student was discovered in a wooded area in Georgia and the young woman’s boyfriend has been arrested on unrelated charges. The Georgia Bureau of Investigation (GBI) says the death of 23-year-old Anitra LaShay Gunn is being investigated as a homicide. She 320

Correction: The offer of a deferred prosecution agreement with several conditions to first time offenders is standard in cases like this. 150