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Hundreds of people had their homes foreclosed on after software used by Wells Fargo incorrectly denied them mortgage modifications.The embattled bank revealed the issue in a regulatory filing this week and said it has set aside million to compensate customers affected by the glitch.The same filing also disclosed that Wells Fargo is facing "formal or informal inquiries or investigations" from unnamed government agencies over how the company purchased federal low-income housing tax credits. The document states the probes are linked to "the financing of low income housing developments," but does not offer further details. 637

In a survey of 1,000 small business owners conducted by the US Chamber of Commerce, 57% ranked the economy as the first or second most important issue influencing their vote in the 2020 Election. With 30.2 million small businesses in the US, according to 2018 US figures, these voters make up a significant chunk of the electorate. “Small businesses provide so much to our economy,” Pete Mikulin, CEO of 3R Technology Solutions said. The company focuses on electronics recycling and data destruction.“We’re fortunate in that we’re OK. We’re just OK,” he said. The pandemic hit businesses hard like Mikulin's hard. “It wouldn’t take much right now to ruin, completely destroy the small business landscape.”Many are not sure what the future holds.“Your plans go out the window,” Mikulin said. “So you deal with it everyday, day by day, and it’s survival.”“It feels like we’re alone. It feels like there's no one in our corner as a small business owner,” he added.“There’s concern of the small businesses that not enough attention is being paid to them in Washington, that Washington is looking at some of the bigger items in the election and they’re forgetting about the fact that small businesses is the major driver of our economy,” Mac Clouse, business expert for over 40 years and professor at University of Denver, said.“The stock market is a general indicator of what's going on with stock prices, and stock prices are usually reflective of your larger firms, firms that are publicly traded,” he said. “That really doesn't measure what's happening with the mom and pop businesses, the small businesses. The only way we know how they’re doing is to ask them.”Of those surveyed, 78% said the economy was “average," “somewhat average," or “very poor” in August.“When you have people saying the stock market is doing great but 78% of business owners are saying the opposite, clearly there's a breakdown, not in what's being discussed, but what is meaningfully being discussed and taken action on,” Carlin Walsh, Owner and CEO of Elevation Beer Company, said. His business was impacted by shutdowns and restrictions.“Total, our revenue was cut 60% for what we normally would be,” he said. “I am not comfortable with what the next three to four months brings, so because of that, we've been putting more money than usual into savings.”Without the same safety net some of the larger companies have, small businesses are taking things day by day.“For them, what’s important is what’s going to happen in the next three to six months,” Clouse said.Many are waiting to see if they’ll see any help from the government. Surveys from the U.S. Chamber of Commerce show a majority of small business owners are more interested in the 2020 election compared to 2016.“We need our elected leaders to come together and provide targeted relief to the industries of small businesses that have been most deeply impacted, and that doesn't necessarily mean financial help although that's required as well,” Mikulin said. “All we’d like to do is keep our doors open and people employed. That’s it. That’s all.” 3095

IMPERIAL BEACH, Calif. (KGTV)— South Bay beaches are closed again, after millions of gallons of contaminated sewage water spilled from Tijuana, BC into Imperial Beach communities.It may look beautiful from afar, but up close, Giovanny Ceja says the waves were a little off Thursday afternoon. “We usually go to other beaches, and they look really clear, but that one was dirty and brown,” Ceja said.  Ceja and his little sister spent the day at Imperial Beach, near the south end of Seacoast Drive, boogie boarding and building sand castles. To get there, he walked right past many warning signs. Large yellow signs read: “KEEP OUT. SEWAGE CONTAMINATED WATER.”“It’s a completely unacceptable,” Imperial Beach City Councilwoman Paloma Aguirre says.According to the International Boundary Water Commission, a Tijuana water collector ruptured Wednesday night. That spilled 3.5 million gallons of sewage water into the Tijuana River, which gushed into South Imperial Beach. “It’s incredibly frustrating because this is the summer. This is our time to have open beaches in Imperial Beach,” Aguirre said. “It’s because of the incredible negligence that the state of Baja California authorities have shown and the lack of accountability and leadership from our federal agencies.”So far this year, there have been 50 beach closure days in Imperial Beach. Aguirre says as polluted water gushes into IB, quality of life gushes out. “At the end of the day Imperial Beach is at the end of the pipe,” Aguirre said. “We are the ones that are paying with economic losses, with illnesses to our kids, to our families, and to our environment.”As for little Giovanny, who did not notice the warning signs, now he is getting worried. “When I was boogie boarding the water wet in my mouth,” Ceja said. “I’ll shower. Maybe twice.”THe closure only affects beaches south of Seacoast Drive in Imperial Beach to the US-Mexico border. The IB Pier remains open. 1949

If you were waiting for the annual Kardashian-Jenner clan Christmas photo, or perhaps an invite to their annual Christmas Eve party, they are not coming.Khloe Kardashian tweeted this week that “taking this pandemic seriously is a must” and family traditions are being canceled.COVID-19 cases are spiking around the country, and in California, much of the state is under stay-at-home orders because of the dwindling number of available ICU beds. These orders include the most populous areas of the state, like Southern California where the majority of the Kardashian family lives.Responding to a question on Twitter about whether they were doing a Christmas party, Khloe responded, “The Covid cases are getting out of control in CA. So we decided that we’re not doing a Christmas Eve party this year. It’s the first time we will not be having a Christmas Eve party since 1978 I believe. Health and safety first though! Taking this pandemic seriously is a must.” 968

If you are looking to avoid being quarantined in Hawaii for up to 14 days due to COVID-19, United Airlines and Hawaii Airlines are looking to make it easier on you by offering same-day COVID-19 tests at the airports.On Thursday, United announced that beginning Oct. 15, passengers traveling from San Francisco to Hawaii can either take a rapid test at the San Francisco International Airport (SFO) or a self-collected, mail-in test ahead of their trip.If you opt for the self-collected test, you must submit your sample within 72 hours of travel via overnight mail or an airport dropbox, United said."Our new COVID testing program is another way we are helping customers meet their destinations' entry requirements, safely and conveniently," said Toby Enqvist, Chief Customer Officer at United in the press release. "We'll look to quickly expand customer testing to other destinations and U.S. airports later this year to complement our state-of-the-art cleaning and safety measures that include a mandatory mask policy, antimicrobial and electrostatic spraying and our hospital-grade HEPA air filtration systems."On Friday, Hawaii Airlines announced that passengers traveling to Hawaii from Los Angeles (LAX) or the Bay Area would be able to use drive-through services at Worksite Labs locations near LAX and SFO."As Hawai'i's leading airline, it is critical to ensure that access to testing does not impede travel to Hawai'i, for visitors or our kama‘āina (residents)," said Avi Mannis, senior vice president of marketing at Hawaiian Airlines in a press release. "Our testing option will offer Los Angeles and Bay Area travelers superior value, and we look forward to expanding the program and bringing additional choices to more of our gateway cities as we welcome guests back with our industry-leading Hawaiian hospitality while keeping our community safe. We're grateful to the state of Hawai'i for its partnership in developing the pre-travel testing program."You have the option to pay either for results within 36 hours or 0 for same-day results, the airliner said. The company said the Droplet Digital PCR shallow nasal swab tests do meet Hawaii's testing requirements. 2193