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Many of us dream about being our own boss, but the thought of actually doing it can be daunting. A new survey suggests many of us share the same concerns about starting our own business. One woman knows that fear all too well, but she overcame it and says you can too.“Every client I try to know their name,” said Whitney Herman, the owner of Shift Cycle. “Everyone who walks in the business I want to be their friends. I want them to feel like this is their home because I feel like it's my home."It’s been two years since Herman officially became a small business owner by opening Shift Cycle, a boutique indoor cycling studio offering 45-minute indoor cycling classes.The new mom couldn't find a place where she could work out and bring her newborn daughter along. “Pretty much everywhere that I wanted to go, none of them offered childcare,” Herman said.So, she decided to create a place of her own.Turns out many of us see ourselves as entrepreneurs as well. The UPS Store talked with people as part of its Inside Small Business Survey and found 66 percent of them dream of opening a small business. But fears may be holding many back, something Herman understands.“Terrifying,” Herman said. “I mean it's still scary.”Forty-five percent of people are concerned about financial security, and 39 percent are concerned about the financial commitment required to open the business.“I think the funding and financing for most people is the hardest part about starting a business,” Herman said.  She struggled to get a loan because many lenders require two years of business experience.“I mean there were times where we were like, ‘I don't think we're going to do it,’” Herman said.  “We would get so close and then we had a bank be like, ‘Oh sorry, we can't do it.’”She was able to get funding through a non-profit, but still struggled with a fear 37 percent of people in the study share; fear of failure.“I have no MBA,” Herman said. “I have no degree in anything business related. I've never really managed people. I don't really know anything about finance, so I was kind of going it's completely blind.”Luckily her husband knew more about those things. And what she lacked in those areas, she made up in passion and desire to learn along the way. If you have a dream of starting a business, Herman says you can do the same thing.“You just have to believe in your product,” Herman said. “And you have to believe in yourself that you're strong enough and motivated enough to just kind of fight. And you know you get where you want to go because no one's going to do it but you.” 2643

Many experts believe Pennsylvania will be a pivotal state in deciding the presidential election, and Joe Biden is holding his final rally before Election Day outside of Pittsburgh’s Heinz Field on Monday.Standing alongside Biden will be pop superstar Lady Gaga, who will be performing at Monday’s rally.Polls in Pennsylvania have tightened in recent weeks. Recent polls have given Biden an average of a 5% lead in the state. With Biden showing stronger leads in Michigan and Wisconsin, polling is suggesting that Pennsylvania could be the state that puts either Biden or Donald Trump over 270 Electoral College votes.In prepared remarks released by the Biden campaign, he is expected to sharpen his attack on Trump’s handling of the coronavirus pandemic.“The people of this nation have suffered and sacrificed for nine months, none more so than our doctors and front-line health care workers and this president is questioning their character, their integrity, their commitment to their fellow Americans?” Biden is expected to say, according to prepared remarks.Meanwhile, the Trump campaign is attacking the Biden campaign for including Lady Gaga, who they claim is an “anti-fracking activist.”“Nothing exposes Biden’s disdain for the forgotten working men & women of PA like campaigning with anti-fracking activist Lady Gaga,” said Trump campaign spokesperson Tim Murtaugh said. “This desperate effort to drum up enthusiasm is actually a sharp stick in the eye for 600,000 Pennsylvanians who work in the fracking industry.”The number of jobs mentioned by the Trump campaign is a gross exaggeration of fracking jobs in the state, according to federal statistics. Other recent reports show the number of those employed by fracking in Pennsylvania to be far lower than the Trump campaign suggests.Lady Gaga hit back at Murtaugh. 1838

McDonald's and its franchisees are investing hundreds of millions of dollars into transforming its restaurants across the United States this year and next. 168

Michael Cohen has asked a US judge for no prison time, citing, as he reveals in a new court filing, more details about his conversations with then-candidate Donald Trump about plans for a Trump Tower in Moscow.Cohen's attorneys argued that his cooperation with multiple investigations, including the special counsel's Russia probe, and the impact and suffering on Cohen and his family merits avoiding jail. But the filing late Friday night goes even further in tying the President to Cohen's actions.The new filing suggests in the clearest language yet the extent to which Cohen kept Trump informed of his efforts to move the project to build a Trump Tower in Moscow forward well into June 2016, including consideration of a trip to Moscow that summer, while Trump was moving closer to becoming the presumptive nominee for the Republican Party."In fact, Michael had a lengthy substantive conversation with the personal assistant to a Kremlin official following his outreach in January 2016, engaged in additional communications concerning the project as late as June 2016, and kept Client-1 apprised of these communications," the lawyers wrote. Trump is referred to as "Client-1" throughout the filing.On Friday morning, Trump defended his business dealings in a tweet, saying his dealings during the campaign were "very legal and very cool."Cohen pleaded guilty on Thursday to lying to Congress about plans to develop Trump Tower in Moscow when he told lawmakers they had ended in January 2016 and the extent of his conversations with the president, but he did not provide a lot of detail about those discussions in court.The details were part of a sentencing memo filed with the federal court in Manhattan, where Cohen will be sentenced on December 12 in two separate criminal cases. In addition to admitting he lied to Congress, Cohen pleaded guilty to eight criminal charges brought on by the US Attorney's Office for the Southern District of New York in August, including tax fraud, making false statements to a bank and campaign finance violations relating to hush-money payments made to women alleging affairs with Trump. As part of his plea deal with the US attorney's office, Cohen faces 46 to 62 months in prison.Cohen's lawyers Guy Petrillo and Amy Lester asked for the cases to be consolidated so Cohen could be sentenced for all of his crimes at once. They're also seeking leniency for Cohen, saying that he has cooperated extensively, amid intense public pressure from Trump, who has called the investigation a "witch hunt," and will agree to cooperate in the future.In the filing, his attorneys write that Cohen has had seven voluntary interviews with the special counsel and continues to make himself available as needed. Cohen's attorneys said he declined a traditional cooperation agreement because he wanted to be sentenced as scheduled so he can "begin his life virtually anew."They said Cohen is also cooperating with prosecutors from the US attorney's office "concerning an ongoing investigation," the New York state attorney general's office's civil lawsuit against the Trump Foundation and state tax authorities. CNN has previously reported that Cohen met with representatives of these offices.His lawyers note that Cohen's legal problems aren't over and he "will be named in a parallel tax case brought by New York State." The filing does not provide further details.Cohen, his lawyers say, committed the campaign finance violations and lied to Congress out of his loyalty to Trump and to stay on message even while he was preparing for his 2017 testimony to Congress."In the weeks during which his then-counsel prepared his written response to the Congressional Committees, Michael remained in close and regular contact with White House-based staff and legal counsel to Client-1," the filing says. At the time, Cohen's then attorney had a joint defense agreement with Trump's legal team.The filing doesn't go so far as to say there was coordination between Trump's legal team and Cohen on what Cohen would tell Congress, but it says the campaign finance and false statement allegations are addressed together "because both arose from Michael's fierce loyalty to Client-1. In each case, the conduct was intended to benefit Client-1, in accordance with Client-1's directives."In Cohen's cooperation agreement with the special counsel's office, it notes that Cohen will not be prosecuted for "obstructing" or conspiring to obstruct or commit perjury "before congressional or grand jury investigations."Cohen's sentencing submission also describes how Cohen's life changed following the April FBI raid on his home, office and hotel room."Nearly every professional and commercial relationship that he enjoyed, and a number of long standing friendships have vanished," it reads.Cohen, the filing says, could have "continued to hold the party line, positioning himself perhaps for a pardon or clemency," but instead, "he took responsibility for his own wrongdoing and contributed and is prepared to continue to contribute to an investigation that he views as "thoroughly legitimate and vital."Cohen, the lawyers argue, should be commended for his cooperation "in the context of this raw, full-bore attack by the most powerful person in the United States."The government will file their response to the submission next week. 5350

Members of the migrant caravan traveling through Mexico may have to wait up to six weeks at the US-Mexico border before they begin to seek asylum in the United States, a senior Customs and Border Protection official said Tuesday."Upon the caravan arrival, by virtue of the folks that are, again, here already lawfully presenting themselves, we estimate that the first arrivals of the caravan will get processed in about five or six weeks of presenting themselves here," Customs and Border Protection Deputy Commissioner Robert Perez told CNN in an interview at the San Ysidro, California, port of entry.Tensions on the border have been running high following the groups' extensive trek to the US -- with President Donald Trump citing incidents over the weekend as part of his desire for Congress to fund a border wall.On Sunday, a peaceful protests turned to chaos as migrants coming from Tijuana, Mexico, were met at a pedestrian border crossing by Mexican police who were looking to block them, according to San Diego Union-Tribune reporter Wendy Fry."Frustrations kind of started to rise. It definitely got more heated ... and then people just started running in all different directions,"?Fry told CNN.Customs and Border Protection officials said protesters then pushed past the Mexican police barricade, and as they attempted to cross the US border, CBP officials used tear gas to disperse the group -- which included families with young children.Anytime there is a use of force incident on the border, including non-lethal methods, an internal review is done to determine that all policies are followed."Because I anticipate this chain of events could easily happen again at any minute, I actually asked for an expedited review of the use of force," said San Diego sector Chief Patrol Agent Rodney Scott.Perez said the officers who deployed the tear gas are trained and certified to do so, and added that those individuals attempting to cross the border were throwing rocks and other projectiles at the border patrol agents."It was a very dynamic and very dangerous situation," Perez said. "It is very unfortunate ... that we had a situation where folks who were particularly vulnerable -- children and females -- chose to immerse themselves in that type of an unlawful activity."On Monday, Tijuana Mayor Juan Manuel Gastélum said although he was "a little bit mad" when people would take their children and put them in a dangerous environment, he did not condone the use of force by the US."I cannot agree on the use of force, not even that type of force that is tear gas or rubber bullets," he said. 2625

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