济南治疗阳痿早泄的药有那些济南阴囊肉粒痒,济南去济南哪里医院治疗男科好,济南怎么办早射,济南男的早泄能治得好吗,济南鬼头敏感了怎么办,济南怎么样治前列腺增生,济南经常勃起是怎么回事

SOLANA BEACH, Calif. (KGTV) - A Solana Beach cafe closed its doors after their outdoor dining furniture was stolen.Owner Marie Brawn stood in the vacant concrete pad in front of her beloved Homestead Cafe and Market Friday morning telling surprised customers they weren't opening today."I just couldn't do it this morning, so we closed," she said disheartened.Seven tables and chairs were stolen in a rash of thefts down Cedros Avenue on Tuesday morning before dawn.Brawn said when she and her husband arrived to open later that day, they were confused. Tables and chairs were knocked over and about a fourth were missing. At first, Brawn thought a neighbor borrowed the tables, then it sunk in."It was just this moment of defeat, just one more notch, like really, just one more thing we need in our way," she said.Brawn achieved her dream of opening a restaurant with her husband just 18 months before the pandemic. Her whole life has centered around food. She started working in the restaurant business at 15 years old and met her husband through work. It took 10 years to open Homestead.When the pandemic hit, she said, "we just pivoted, we became an organic market with our cafe and we moved everybody outside."Neighbors pitched in, the farmer's market loaned tables, the landlord allowed them to expand to the parking lot. They were rebounding from the closure. Brawn said each time the business was doing well and they saved up enough money, they would buy another umbrella for the outdoor seating."Small businesses are struggling, we're all struggling and to be hit with something like this on top of it all, sometimes you wake up and wonder what is the purpose of it all," she said.Looking around after the theft, it's barren. Brawn said they felt obligated to return the loaned tables, "we gave them their stuff back because we can't afford to replace it."Now they have seven tables and no way to scrape by. Brawn said they have to have maximum capacity with COVID-19 standards in place to start to make a profit.Brawn said she's fueled to continue because of the charity work she and her husband do with +Box."Right now he's dropping off about 600 meals, so each box feed about a family of four," Brawn said. The non-profit was created to fill a need during the pandemic, feeding struggling families. Brawn and her husband have donated 14,000 meals so far.The boxes hold grains, vegetables, and other items Brawn said are hard for families to get. The non-profit helps neighborhoods all over North County and Brawn hopes others will extend the same kindness."When you're down, help someone else because if we all do that it's like a domino effect and before you know it we're all going to be in a better place so we have to stick together," she said.Brawn created a GoFundMe for their restaurant and to help them continue giving to the community. If you would like to donate, please click here.Brawn says she will announce when they reopen on Instagram. 2971

Some presidential campaign promises are guaranteed to affect the lives and finances of everyday Americans. Banking industry reforms may not seem like one of them.After all, banking regulations can appear to be pretty remote from your day-to-day financial transactions. You may be surprised to learn that bank reforms implemented by past presidents and their cabinets have had material impacts on regular folks, and there’s no reason to believe that any regulatory changes brought about by a second Trump term or a Biden presidency would be any different.Here’s what you need to know about how presidential politics have affected your bank accounts in the past, and how the outcome of the 2020 election could affect your banking experience in the future.Historical Banking Changes That Continue to Affect ConsumersPresidential administrations of the past have implemented a number of different banking regulations and rule changes that continue to impact the consumer experience in 2020. It’s important to remember that the following banking changes were decided, in part, by the voters’ choosing the president who implemented the changes.Creation of the Federal ReserveInaugurated in 1913, President Woodrow Wilson signed The Federal Reserve Act into law later that same year. Prior to the creation of the Federal Reserve, banks could not count on any emergency reserves if customers all withdrew their funds at once.Such panic withdrawals were relatively common in response to widespread financial crises. The country plunged into a depression in 1907 after a big panic run on the banks led to the failure of several institutions.The Federal Reserve Act established the Federal Reserve System as the U.S. central bank, which not only serves as a lender of last resort to commercial banks that would otherwise go under during an economic crisis, but also supervises and regulates banks to provide a level of safety and soundness. The Fed also sets monetary policy to help ensure full employment and price stability.We’re still feeling the effects of Wilson’s policy every day. Due to the stability offered by the Federal Reserve, only two banks have failed in 2020, despite this year’s pandemic-related economic troubles. Compare this to the more than 600 bank failures per year between 1921 and 1929, prior to the Great Depression.Even more importantly, the Fed sets the federal funds rate, which is the benchmark interest rate for the entire U.S. economy. (It’s also the amount of interest banks charge each other for loaning money overnight to maintain their reserve requirements.) The federal funds rate is currently set at 0% to 0.25%.Financial institutions use the federal funds rate to set the interest rates they offer on interest-bearing accounts, such as savings accounts, CDs and money market accounts. When rates on these accounts are raised or lowered, it’s in part because of how the Fed has set the federal funds rate.The federal funds rate also may affect the rates financial institutions charge on loans, such as mortgages, auto loans, credit cards and the like. However, individual credit history and other factors also can affect these rates.Federal Deposit Insurance Corporation (FDIC)Franklin D. Roosevelt signed the Banking Act of 1933 into law within his first 100 days of taking office. This legislation, which is often referred to as the Glass-Steagall Act after its sponsors, Senator Carter Glass (D-Va.) and Representative Henry B. Steagall (D-Al.), set up the Federal Deposit Insurance Corporation (FDIC), among other provisions.The FDIC insures deposits at an individual bank for up to 0,000 per depositor, for each account ownership category. If your bank were to fail, the FDIC ensures that you would not lose your deposits, up to the applicable limits. As the FDIC proudly states on its website, “No depositor has ever lost a penny of insured deposits since the FDIC was created in 1933.”Few people spend much time thinking about FDIC deposit insurance, but it has had a stabilizing effect on consumer behavior. Prior to the passage of Glass-Steagall, banking customers did not feel confident that their money was safe in the bank, and so they would withdraw their deposits when concerned about an economic downturn.In fact, a rumor that Roosevelt would devalue the dollar caused panic and mass withdrawals in January and February of 1933, leading to the failure of 4,000 banks by the time his March inauguration arrived. Such panicked withdrawals feel unthinkable in 2020 because of the assurance provided by the FDIC coverage.Federal (and many state-chartered) credit unions enjoy similar protection through the National Credit Union Administration, or NCUA.Regulation CCIn 1987, under Ronald Reagan’s administration, Congress passed the Expedited Funds Availability Act to establish the maximum length of holds that banking institutions can place on deposits by their customers.This federal law established Regulation CC, which sets specific rules as to when various types of deposits will be made available to banking customers and provides guidelines to financial institutions for how to disclose their funds availability policies to their customers.Regulation CC specifies that banks can hold their customers’ deposits for a “reasonable” amount of time. The definition of reasonable depends partially on the size of the deposit and the origin of the funds. Still, checks written from an account within the same bank may be held up to two business days, while checks drawn on other banks may be held up to five business days.Banks also may impose longer holds, but they have the burden of proving that the longer hold is necessary and reasonable.Prior to the implementation of Regulation CC, there was concern about the length of time that banks held onto their customers’ deposits before the money appeared in their accounts. With these regulations in place, customers know what to expect from their deposits, making it far easier to handle their cash flow.Proposed Banking Policies in the 2020 ElectionBoth President Donald Trump and Democratic presidential candidate Joe Biden have proposed policies that could alter your banking habits. Here’s what to expect from each candidate’s proposed banking policies.Continued Deregulation Under Donald TrumpThroughout his first term, the incumbent has made bank deregulation a major part of his legislative agenda, with the rollback of some Dodd-Frank regulations in 2018 being his signature achievement in banking. Among other loosened rules, the Dodd-Frank rollback also raised the threshold under which banks are considered “too big to fail” from billion to 0 billion.While the president has not made his proposed banking policies a significant part of his reelection platform, he did propose major changes to the 1977 Community Reinvestment Act (CRA) as of January 2020. The CRA is legislation that prevents banks from discriminating against low-income or under-represented borrowers.As of June 2020, the Office of the Comptroller of the Currency (OCC) put the Trump administration’s proposals into effect. These proposals broaden the definition of what constitutes a bank and expand what types of loans offered to low-income borrowers qualify for improved CRA ratings.Specifically, it now includes credit cards and personal loans. In addition, the new rules give financial institutions credit for community reinvestment for loans for things like stadiums and hospitals. Should the president win his reelection bid, we can expect these new rules to take effect. (However, even if he wins and there is a change in leadership in the Senate, it is possible Democrats will work to reverse these rule changes.)The average bank customer may not notice the changes to the CRA on a day-to-day basis. However, lower-income borrowers may find it more difficult to qualify for a mortgage once these rules take effect.Updates to Older Legislation Under Joe BidenThe former vice president has plans to spruce up several pieces of old banking legislation. The specific items on his agenda include actions to:“Strengthen and enforce” the Dodd-Frank Act to help ensure equal access to banking. He specifically plans to back criminal penalties for reckless actions by bank executives.Protect consumers from predatory lending practices. Biden plans to strengthen consumer lending oversight, enforce remedies for abusive lending practices and pursue legislation to prevent predatory lending.Expand the CRA to include mortgage and insurance companies.Presuming it can enact all the plans it promises, a Biden presidency may provide banking customers with more reassurance that banks will handle their finances with care. Consumers may pay less for their personal loans, credit cards and mortgages if Biden is successful in ending predatory lending practices and if he is able to expand the CRA, thereby improving access to credit for under-represented communities.These rule changes also may place more of a regulatory burden on financial institutions, which could have ripple effects on banking customers. For instance, some consumers with a poor credit history may find that they cannot qualify for loans under a Biden-led crackdown on usurious interest rates, although they did previously qualify for loans that are now considered predatory.Election Costs and ConsequencesPolicy changes from our government’s executive branch can have enormous consequences for the banking industry and the consumers who rely on that industry. Although it may feel as if voting in a presidential election has little to do with how you bank, your vote can help to set policies that will affect banking consumers like yourself for decades to come.Protecting your own and your fellow Americans’ financial health is yet another reason why voting is so important. 9828

Senate Minority Leader Chuck Schumer is demanding the Federal Aviation Administration increase inspections of aircraft maintenance after his office reviewed agency records and found that enforcement and fines specifically for maintenance issues have dropped over the last several years.Schumer's office asserts that formal enforcement actions for airline maintenance issues decreased after 2014 and dropped dramatically in 2017. The data was compiled from the agency's quarterly reports on civil enforcement penalties, according to a statement from his office.The New York Democrat said the decline in maintenance enforcement raises serious concerns about whether the FAA is meeting its oversight mandates. He demanded the agency examine the data and report back on why that enforcement has decreased. 809

Shopping this holiday season is going to be very different for many people due to the pandemic. And the types of gifts are changing, too."There is no question that 2020 has been built around this pandemic. In every way our life has changed from how we work, to how we live, to, of course, how we shop. And this year we have seen the rise in COVID-related gifts," said Michael Parrish DuDell, Chief Strategy Officer for CouponFollow. CouponFollow conducted a Black Friday shopping survey and found 39% of surveyed shoppers say they're going to gift a face covering to their loved ones."About 33-34% expect to be giving some type of hand sanitizer. So, this year, the stockings might be full not so much of candy but of these more COVID-related products," said DuDell.CouponFollow also looked at how much money people will be spending this holiday season, and broke it down by generation. Millennials and Generation Z plan to spend more money, while Baby Boomers plan to spend less.The National Retail Federation found that, overall, people plan to spend ,000, which is less than last year. "Most of that decrease, , is coming from people saying, 'No, I'm going to spend on gifts, I'm going to spend on holiday items, but I might hold off on 'treat myself'-type purchases," said Katherine Cullen, Senior Director for Industry and Consumer Insights at the National Retail Federation.Cullen also said slightly more people than last year, about 60%, will be shopping online this holiday season, as well as using features like curbside pickup. But that still leaves a lot of people shopping in person."What we found is that people were willing to take that risk (of shopping in-person) but that 86-89% of folks say they know it's a little bit risky to shop, but 36% overall, that includes all the generations, about 36% say that they in fact are going to show up and a large portion of that is going to be the Baby Boomer generation," said DuDell.The NRF survey also showed a shift in the types of gifts people will be purchasing this year."You know, gifts of experience have been a real trend the last few years, but with everyone at home you can’t do as many of those experiences so we’re seeing a return to kind of buying physical things," said Cullen.Regardless of what you buy or how you buy it, the NRF is encouraging people to shop early this year, as many mail services and the post office could be inundated with online shopping deliveries. 2460

Several famous faces are coming together for a virtual table read of an episode of "Friends."Actress Gabrielle Union will host the "Zoom Where it Happens" event that will see an all-Black cast, that includes Sterling K. Brown, Uzo Aduba, Ryan Michelle Bathe, Aisha Hinds, Kendrick Sampson, and Jeremy Pope, reading the episode "The One Where No One’s Ready" from season 3.Salli Richardson-Whitfield will direct the episode.The virtual table read is Tuesday and is set to begin at 9 p.m. ET. 498