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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

Even with businesses starting to reopen, we're getting a better picture of not just who is still out of work but how much money was lost.About .3 trillion is estimated to be lost by American workers, according to the Society of Human Resource Management (SHRM) and Oxford Economics. That includes people who still have their jobs but may have been furloughed or had pay cuts.The estimates are that only between 11 and 20% of communities will have employment return to what it used to be.“Employers don’t have to respond to a generalized since of fear, so if you say I’m just not comfortable until there is a vaccine or I’m just not comfortable until you can give me certainty, what we're learning is they don’t have to do that and many of them won’t do that and I would just caution employees to realize that we are now for good or for bad in a buyer’s market,” said Johnny Taylor, Jr., the president and CEO of SHRM. SHRM found only 31% of employees said they were more productive working remotely, while 69% said they were less productive or the same.The group cautions employees about demanding remote work.“I’ve encouraged CEOs who've called me. You just have to be true to what your culture is. It is ok to say to an employee even if you are more productive at home, I want as senior management our culture to be more of a face to face one,” said Taylor.OSHA already requires companies to provide safe workplaces, and that includes new guidance about the coronavirus. 1486

Costco's Kirkland Signature Three Berry Blend has been recalled due to possible Hepatitis A contamination. According to the FDA, a recent FDA test indicated that a "domestic conventional frozen blackberry product" manufactured by Townsend Farms, Inc., may be contaminated with Hepatitis A. Townsend Farms, Inc. uses the blackberry product to manufacture the Kirkland Signature Three Berry Blend, which is sold at Costco.Townsend Farms, Inc. notified Costco of the possible contamination "out of an abundance of caution," according to the FDA. 555

DAYTON, Ohio — The city of Dayton battened down the hatches Saturday for a rally event held by the Ku Klux Klan.After the events of Charlottesville, city officials in Ohio weren't taking any chances as the notorious hate group exercised their first amendment rights. Officers and security aid came in from Cincinnati, Columbus and even Toledo as counterprotesters poured into Dayton.The city of Dayton blocked streets with large trucks Saturday and brought in officers from other jurisdictions to keep protesters separated from members of an obscure Klan group called the Honorable Sacred Knights.The group obtained a permit for the rally months ago. City officials and community leaders organized an effort called Dayton United Against Hate.In the end, only nine members of the Klan showed up, and could barely be seen through the double chain-link fence and wall of police. Protesters rallied around the fence, chanting anti-hate rhetoric and waving signs at the members inside.Although the event ended without a hitch, or even a single arrest, Dayton itself didn't get through as unscathed as things may have looked.Dayton City Manager Shelley Dickstein said the city estimated it spent about 0,000 on security costs for the event.City officials said many of the security measures implemented Saturday were intended specifically to keep Dayton residents safe with concealed carry and open carry of weapons.Dickstein said the city estimated around 0,000 was spent on personnel costs and 0,000 on materials needed for the rally.“We have very little way to recapture that spent money,” Dickstein said.Richard Biehl, Dayton police chief, said he was “very pleased” with security Saturday.“This clearly was a safety challenge for our city and our community,” he said.Biehl said his department did not make any arrests, and no use of force or injuries were reported. Watch video from the rally below: 1918

DENVER, Colo. – Aches, pains and stress are just a way of life as we get older, but there’s a new trend that claims to reduce all of those issues. It’s called light therapy.Fitness instructor Christa Dellebovi is among those using the therapy. “I teach seven to eight classes a week here at Rise Nation and I do my own workouts as well I lift weights 3 or 4 times a week,” said Dellebovi. "I feel it a lot of times at night. I lay down after the day and everything just tightens up, tenses up and after sitting at a desk for a while, I start to feel it in my hips and my joints just get tight."It wasn't until Dellebovi was introduced to light therapy that she started noticing a difference.It can be in the form of a face mask, a sauna or just a room filled with a certain colored light that's said to penetrate deep into the skin."Recently it has become popular with celebrities and the public in general in regard to inferred saunas, the idea being that it can help with inflammation,” said said Dr. Zeina Dajani. "Although, some studies have found the opposite."Dr. Dajani says light therapy comes with claims of reducing stress and pain while improving sleep.It’s become so popular, the Venetian Hotel in Las Vegas opened the Blu Room using UV-B light, but Dr. Dajani says there are people who shouldn't use light therapy – those with autoimmune disorders."So, in that case, red and blue light may be harmful, but for the general public, they are safe."This new trend isn't cheap. A single session can cost around .So, whether you try it out, Dellebovi says it’s about more than just sitting under a light."The amount of noise we experience and constantly all day every day, I think anyone can benefit to take 10 minutes and just disconnect and spend a little time for yourself," said Dellebovi. 1816