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My dad has only ever liked one video game - Galaga. He and my mom used to go play it on date nights when they were newly-weds and broke. This year, me and my siblings all pitched in to get him a Galaga arcade machine for Christmas. I don't think I've ever seen him more excited to get a present! 311

Paycheck Protection Program funds helped keep more than 5 million American small businesses alive through the first half of 2020, but one woman has a warning for anyone applying for aid.Kelleye Thomas, who runs a home daycare, had to shut down for three months due to the pandemic.Her income dropped to zero during the shutdown, but like so many small business and independent workers, she was saved by the government's Paycheck Protection Program."I applied for that through the Small Business Administration, and I was granted a forgivable loan for ,500," she said.That lifeline turned into a financial nightmare because of where she deposited the funds. Before she could even begin using the money, she said, Fifth Third Bank locked her account pending a fraud investigation."The check was deposited, and a few days later I noticed there was a freeze on my account," she said.Panicked, she called the bank."They let me know I needed a business account to receive the funds from this loan," Thomas said.Risk of using your personal accountA lot of independent workers and small business owners use just one account for everything because it is so much easier.But doing that can be very risky if you are getting any sort of federal aid.Business Insider says PPP loans must be put into a separate account to prevent:Payroll errors.Accidental misuse.Questions from your bank.That's what happened here, where the bank's investigation locked her out from all her money.As a result, she was unable to pay some of her most essential bills."I couldn't pay my mortgage or buy food or pay my credit card bills," she said.So we contacted her bank, Fifth Third Bank, where spokeswoman Laura Trujillo told us: "We take potential fraud seriously and are diligent stewards of our customers' money."Because the bank found no fraud in this case, it unlocked Thomas' accounts after our inquiry.Now, she's warning others about mixing pandemic aid with personal funds."I have always had my daycare money deposited into my personal account, and no one ever said anything about it or said I needed to open up a business account," she said.Business Insider says there is one more reason to keep PPP money separate: Eventually having the loan forgiven. Getting forgiveness can be much tougher if all your funds are commingled.So keep tight records, so you don't waste your money._________________Don't Waste Your Money" is a registered trademark of Scripps Media, Inc. ("Scripps").Like" John Matarese Money on FacebookFollow John on Instagram @johnmataresemoneyFollow John on Twitter (@JohnMatarese)For more consumer news and money saving advice, go to www.dontwasteyourmoney.com 2682

It’s been more than two weeks since federal workers, like Lila Johnson, have been to work.Johnson says it’s been hard, but she takes it day by day. At the age of 71, Lila works part-time at the Department of Agriculture as a janitor to supplement her retirement income. However, she's been out of work since December, because of the shutdown.“My biggest concern is when are we gonna go back to work. That's number one,” she says. “Number two is how I’m going to continue making ends meet.” For now, she has to rely on friends and family to help pay her bills and groceries. Because she's a contract worker, it's likely she will not get the back pay Congress usually gives to federal workers once a shutdown is over. “When I do go back to work, I’m still gonna be behind,” she explains. “I'm gonna have to work at least two months before I can see myself climbing out of the hole.” Other federal workers wonder what they'll do when they don't get paid this week. “I just bought a house,” says furloughed worker Christine Vitel. “I'm not gonna be able to pay my mortgage, so yes, this is affecting me personally. Other people are married. They do have another income. I do not.”As the shutdown stretches into its third week, federal workers are stretched thin trying to find ways to make ends meet. 1309

As we get closer to the end of this election cycle, voters will find many different fliers and postcards in their mailboxes.All sorts of groups and campaigns are trying to reach voters before November 3, so the mailers are not unusual. However, one voter in Kentucky got a postcard that didn't sit well with him. The handwritten postcard started with a simple greeting: "Allan, thank you for being a previous voter!"But the next few lines left the recipient, Allan Carr, feeling intimidated."Who you vote is secret, but who you vote for is public information," said the postcard. "After the election on Tuesday, November 3, local organizations may follow up with you on your voting record.""It didn't scare me, but I saw it as threatening," explained Carr. "So, I can see somebody else being threatened by it."Carr said he received the postcard about two days after he voted early."I didn't understand it a bit," said Carr. "I don't even know what side - which campaign - it came from."The postcard didn't come from a political campaign. According to the fine print on the front of the card, it was paid for by Indivisible Chicago Alliance. According to the group's website, Indivisible Chicago Alliance describes itself as "a group of Chicago-area residents alarmed by the 2016 election and committed to resisting the Trump agenda." According to its mission statement, the group "engages with public servants to create a just society by promoting progressive values and grassroots engagement."One of the group's projects is "Postcards to Swing States." They're using volunteers to handwrite more than 15 million postcards to voters in 14 swing states. Kentucky is on their list, and the group confirms 865,000 postcards were sent out to Kentucky voters."The messaging on our postcards is designed to encourage people to vote and uses language that has been tested and proven to do so," said Marj Halperin with Indivisible Chicago Alliance. "This is a nonpartisan message that does not ask or encourage anyone to vote for specific candidates."According to the frequently asked questions section on the group's website, volunteers can choose between two approved messages."Message A" is listed as a "social pressure" message. It is written to say: "Thank you for being a [previous/first time] voter! Who you vote for is secret, but whether you vote is public information. After the election on Tuesday, November 3, local organizations may follow up with you on your voting record."The message is very similar to what Carr received. However, unlike the approved message that should say "whether you vote is public information," Carr's said, "who you vote for is public information."Halperin said the group did not authorize the message Carr received."Unfortunately, this volunteer did not write our approved message, which is solely designed to encourage people to vote," said Halperin. "With many volunteers writing multiple cards, this would seem to be an error, resulting in a message that not only is contrary to our approved language but also doesn't quite make sense."The message on Carr's postcard is also untrue. Kentucky has a secret ballot system, so the Secretary of State is certain no one will know who a voter votes for unless that voter tells someone."Whether you're voting in-person or voting absentee, there's no way anybody knows who you voted for," said Secretary of State Michael Adams. "I don't know. The poll workers don't know, and certainly, some shady out-of-state interest group doesn't know who you voted for."While Indivisible Chicago Alliance says their postcard to Carr was a mistake, there are confirmed situations in other states where voters have gotten intimidating messages by other groups. In Kentucky, intimidating voters is illegal."A person cannot intimidate, coerce, or attempt to interfere with someone's right to vote," said Assistant Attorney General Alex Garcia.Garcia says the Attorney General's Office has received a complaint involving an intimidating message, and they're looking into it currently."That complaint received - the language that was used was really vague. It was from an out-of-state organization," said Garcia. "We are looking into it."Garcia encourages anyone who witnesses election irregularities or election law violations to call the state's election law violations hotline. This article was written by Karolina Buczek for WLEX. 4454

Gluttony and greed are typically the main hallmarks of Thanksgiving and Black Friday, but they certainly don’t have to be. While devouring a plate full of hot food and shopping for the hottest items can provide a dose of satisfaction, nothing compares to giving back. There are endless ways to volunteer or donate your time around Thanksgiving. Here are a few ideas: Run in a Turkey Trot race It has become a tradition for some in the United States to participate in Turkey Trot races around Thanksgiving. Not only do they help you burn off the calories from all the food, the proceeds from many races are donated to local organizations to help those in need. These types of races vary in names and length. They’ve also been called things like “Drumstick Dash” or “Mashed Potato Mile." Most Turkey Trots are in the 3-to 5-mile distance category, but some are longer or shorter. Volunteer your time If running’s not your thing, there are other ways to get out and help your community. The amount of opportunities can be overwhelming, but resources like 1068