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Both Uber and Lyft are suspending their Pool and Shared ride options as the companies work to limit personal interactions amid the outbreak of COVID-19, the illness caused by the new coronavirus. Uber was first to announce Tuesday morning that it’s suspending its Pool option in the United States, Canada, London and Paris. The Pool option matches riders heading in the same direction, so they can share the ride and cost. “Our goal is to help 456

Depression. Exhaustion. Burnout. Stress. Those are just some of the words people are using to describe their experiences as caregivers. Helping care for a family member or loved one can be hard work. People don't often talk about the emotional toll it can take on the actual caregiver. Now the 307

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

CANARY ISLANDS -- Imagine rowing almost non-stop across the Atlantic Ocean with a group of four people. No bathroom, no shade and a limited supply of food. “You’re totally exposed to the elements,” said Evan Stratton, a U.S. veteran. Evan and three others rowed across the Atlantic Ocean from the Canary Islands off of Spain to Antigua, near Puerto Rico, as part of the Talker Whiskey Atlantic Challenge — a yearly ocean rowing race. The path is 3,000 nautical miles. “Our row took 50 days, 11 hours, and 35 minutes,” he said. “Which seems like a really long time, but we actually set a world record for our boat class.” The team, titled Fight Oar Die, was the only American team to compete this year. More than just a physical challenge, the race is a test of the mind as well. We sat down with Evan, who walked us through it. “It’s really a challenge in mental strength,” he said. “It’s an introspective look at yourself whether you want one or not because you remove all inputs,” he explained. “There’s no work phone calls, no e-mails, no TV, no radio.” Through their journey, psychologists are hoping to learn something. “We got involved as part of that research component,” said Dr. Trey Cole, a clinical psychologist and former veteran himself. Dr. Cole oversees the researchers from the University of Denver that have been working with the Fight Oar Die rowing team throughout their experience. “There’s a lot to do with motivation and sleep and purpose and those type of factors we’re trying to take a closer look at,” Dr. Cole said. He helped the men prepare beforehand too — with conflict resolution, stress management, and other skills. “It’s hilarious to be sitting in your off shift in the cabin hearing two guys on the boat yell at each other but they’re still just rowing,” Evan said. “The end goal is you gotta get there.” It was a team effort with personal mental challenges each rower dealt with individually. Part of Evan’s way of getting through was the photos and cards his wife packed for him, cards he could open when he hit “the wall,” when he was “almost home,” and on his son’s first birthday that he missed while rowing. Evan said a challenge like this took the support of his family, but it all starts with motivation. “It just takes getting out and doing it,” he said.Evan spent four years of his life as a Marine earlier on in his life. “I went through my own battles with PTSD and mental health,” he said. Bringing awareness to mental health was part of his motivation for joining the rowing team this year. “We really wanted to show veterans that life doesn’t end after the military, that you can still go out and do really big things and really hard things and really incredible things,” Evan said. This awareness is at the forefront of Fight Oar Die’s mission — to provide a platform for veterans' mental health issues.“The hope is that we can generate some conclusions from that that could be helpful in informing the future of veteran and service member care,” Dr. Cole said. Cole and other researchers will continue to look into the data from the rowing teams each year. 3122

View this post on Instagram Sincere apologies everyone. I am sorry for causing undue panic around my earlier post. I was feeling feverish and hence as a precautionary measure, admitted myself into hospital in New York. I was hugely anxious about my state of health and my post was highly irresponsible causing panic in several quarters. I returned to New York on March 8th via Frankfurt A post shared by Floyd Cardoz (@floydcardoz) on Mar 17, 2020 at 1:34pm PDT 494