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The House & Senate should IMMEDIATELY Approve 25 Billion Dollars for Airline Payroll Support, & 135 Billion Dollars for Paycheck Protection Program for Small Business. Both of these will be fully paid for with unused funds from the Cares Act. Have this money. I will sign now!— Donald J. Trump (@realDonaldTrump) October 7, 2020 344

The polls close at 8 p.m. and the first election results should be in shortly after. Follow the election results from the state of California below: 156

The IRS clarified on Friday that companies will be obligated not to take Social Security taxes from paychecks starting next week running through the end of the year.Nearly all Americans are taxed 6.2% per check to go toward Social Security. For now, barring any action from Congress, most Americans will see larger paychecks through the end of the year. The guidance is based on an executive order signed earlier this month by President Trump in hopes of stimulating the economy.Related: What a payroll tax deferral may mean for your paycheck and taxesThe Social Security tax deferment is applicable to workers who make up to ,000 on a bi-weekly basis. Those making more than ,000 every two weeks will continue to have their Social Security taxes withheld from checks.The deferment is not an actual tax cut, and because the deferment was done via executive order rather than an act of Congress, the taxes will need paid back by April 30, 2021.The White House has said they would like to see the elimination of the Social Security payroll tax be made permanent in an effort to lower the tax burden. Opponents say that eliminating the tax on Americans would make Social Security insolvent.Stephen Goss, the chief actuary for the Social Security Administration, told the US Senate this week that a hypothetical bill that would make the tax deferment permanent would cause Social Security to no longer be able to make payments to beneficiaries by the middle of 2023.For employees making ,000 a year, the elimination of Social Security taxes would result in an extra per paycheck every two weeks. Assuming the employee has eight paychecks left in 2020, that would result in 2 in taxes deferred in 2020, which would be repaid in 2021. For employees making ,000 per year, those figures would be doubled. 1821

The pandemic has added extra stress to our lives, but that's not stopping some of us from getting more sleep.New research from the University of Colorado Boulder and the University of Washington looked at how stay-at-home orders and social distancing guidelines have impacted college students' sleeping habits.They found that on average, students have been sleeping 30 minutes more per weekday and 24 minutes more per weekend day. They've also been keeping more consistent sleep schedules.This is similar to what a study of people ages 18 to 65 in Europe found during this same time.So, the big question now is whether these habits will continue now that stay at home orders are lifted.“One of the things we recognize is that when people who weren't getting enough sleep start to actually get better sleep because they can and they realize ‘wow that makes a difference in my life,’ a number of people choose behaviorally to go ahead and continue to get that better sleep,” said Ken Wright, integrative physiology professor at CU Boulder.As for the question about whether the quality of our sleep has improved, the study in Europe did look at that. It found on average, people have been seeing slight reductions in the quality of their sleep, but there are things you can do to help with this.“When they looked at the group as a whole, they found that those people who got exercise and got more sunlight during the COVID stay-at-home, they found that they actually had less reductions in their sleep quality,” said Wright.One negative result of the stay-at-home orders on our sleep in both studies – people have been going to bed later, both during the week and on weekends. Researchers say it will probably be healthier for us if we can start going to bed earlier now. 1776

The holiday season leads the mad dash to the end of the year for businesses, but this year’s dash may look entirely different because of the pandemic.“Especially the grassroots efforts, connecting with them face-to-face. Unfortunately, right now, we can’t do that. So, we need to be thinking about now, ‘How can we get in front of people more frequently?’” said Lacey Book, a business consultant specializing in helping small businesses succeed. “Essentially, we need to get in front of people and cut through the noise of everything else.”In these challenging times, she offered specific tips for navigating through December.Among her ideas:Make sure your business has a web presence that is easy to navigate. It's critical to reaching customers, who are now mostly shopping online.Reach out to repeat customers you’ve had over the months and years through email and social media.Create connections with other businesses by collaborating on marketing and see how you can help them. Being benevolent, she said, goes a long way.Discounts help as well“I think it would really be important to look at, ‘Where in my business can I offer maybe a discount or extend the opportunity for people to buy something at a lower price point?’” Book said. “Because people are also price shopping, where in the past, people were really able to find money for the things that they really wanted. But now, what they’re doing is spending money on what they actually need.”While these tips are aimed at helping businesses get through the pandemic, Lacey Book said it is likely some of the advice will be relevant beyond that, because our shopping habits and expectations may have changed for the long haul. 1694