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Paycheck Protection Program funds helped keep more than 5 million American small businesses alive through the first half of 2020, but one woman has a warning for anyone applying for aid.Kelleye Thomas, who runs a home daycare, had to shut down for three months due to the pandemic.Her income dropped to zero during the shutdown, but like so many small business and independent workers, she was saved by the government's Paycheck Protection Program."I applied for that through the Small Business Administration, and I was granted a forgivable loan for ,500," she said.That lifeline turned into a financial nightmare because of where she deposited the funds. Before she could even begin using the money, she said, Fifth Third Bank locked her account pending a fraud investigation."The check was deposited, and a few days later I noticed there was a freeze on my account," she said.Panicked, she called the bank."They let me know I needed a business account to receive the funds from this loan," Thomas said.Risk of using your personal accountA lot of independent workers and small business owners use just one account for everything because it is so much easier.But doing that can be very risky if you are getting any sort of federal aid.Business Insider says PPP loans must be put into a separate account to prevent:Payroll errors.Accidental misuse.Questions from your bank.That's what happened here, where the bank's investigation locked her out from all her money.As a result, she was unable to pay some of her most essential bills."I couldn't pay my mortgage or buy food or pay my credit card bills," she said.So we contacted her bank, Fifth Third Bank, where spokeswoman Laura Trujillo told us: "We take potential fraud seriously and are diligent stewards of our customers' money."Because the bank found no fraud in this case, it unlocked Thomas' accounts after our inquiry.Now, she's warning others about mixing pandemic aid with personal funds."I have always had my daycare money deposited into my personal account, and no one ever said anything about it or said I needed to open up a business account," she said.Business Insider says there is one more reason to keep PPP money separate: Eventually having the loan forgiven. Getting forgiveness can be much tougher if all your funds are commingled.So keep tight records, so you don't waste your money._________________Don't Waste Your Money" is a registered trademark of Scripps Media, Inc. ("Scripps").Like" John Matarese Money on FacebookFollow John on Instagram @johnmataresemoneyFollow John on Twitter (@JohnMatarese)For more consumer news and money saving advice, go to www.dontwasteyourmoney.com 2682

BOWIE, Md. -- Nestled away on a college campus sits a student lounge unlike any found at a typical college. “You're thinking someplace you can relax, you know, some place you can kind of just let your hair down for a moment,” said Christina Becton, a nursing student at Bowie State University in Maryland. On more than one occasion she’s found herself hungry and headed to the university’s new “nutritional lounge.” It’s a place where students can come and get food they can’t afford. “There is certainly a financial constraint being in college,” Becton said. Inside, there’s comfy seating, a flat screen TV and a jar for “suggestions” of food students would like to see featured on the shelves. Yet, the words “food pantry” are nowhere to be found there, for one main reason. “There is a stigma and we want the students to know that we're here to support them. We want to make sure that you know they don't feel this any sense of shame,” said Dr. Aminta Breaux, president of Bowie State, Maryland’s first Historically Black College and University.She said most of their 6,100 students are commuter students. Many work while going to school, but still, hunger abounds. According to 1196

BOWIE, Md. -- Nestled away on a college campus sits a student lounge unlike any found at a typical college. “You're thinking someplace you can relax, you know, some place you can kind of just let your hair down for a moment,” said Christina Becton, a nursing student at Bowie State University in Maryland. On more than one occasion she’s found herself hungry and headed to the university’s new “nutritional lounge.” It’s a place where students can come and get food they can’t afford. “There is certainly a financial constraint being in college,” Becton said. Inside, there’s comfy seating, a flat screen TV and a jar for “suggestions” of food students would like to see featured on the shelves. Yet, the words “food pantry” are nowhere to be found there, for one main reason. “There is a stigma and we want the students to know that we're here to support them. We want to make sure that you know they don't feel this any sense of shame,” said Dr. Aminta Breaux, president of Bowie State, Maryland’s first Historically Black College and University.She said most of their 6,100 students are commuter students. Many work while going to school, but still, hunger abounds. According to 1196

Governor Greg Abbott has issued an executive order requiring all Texans to wear a face covering over the nose and mouth in public spaces. The order applies to counties with 20 or more positive COVID-19 cases, with few exceptions. The governor also issued a proclamation giving mayors and county judges the ability to impose restrictions on some outdoor gatherings over 10 people and making it mandatory that, with certain exceptions, people cannot be in groups later than 10 and must maintain six feet of social distancing from others. "Wearing a face covering in public is proven to be one of the most effective ways we have to slow the spread of COVID-19,” said Governor Abbott. “We have the ability to keep businesses open and move our economy forward so that Texans can continue to earn a paycheck, but it requires each of us to do our part to protect one another—and that means wearing a face covering in public spaces. Likewise, large gatherings are a clear contributor to the rise in COVID-19 cases. Restricting the size of groups gatherings will strengthen Texas’ ability to corral this virus and keep Texans safe. We all have a responsibility to slow the spread of COVID-19 and keep our communities safe. If Texans commit to wearing face coverings in public spaces and follow the best health and safety practices, we can both slow the spread of COVID-19 and keep Texas open for business. I urge all Texans to wear a face covering in public, not just for their own health, but for the health of their families, friends, and for all our fellow Texans.”The governer released a new video message to coincide with the executive order, encouraging Texans to do their part to mitigate the spread of COVID-19 and keep communities safe. To view the video, visit the top of this article. This article was written by Sydney Isenberg for KXXV. 1863

DENVER, Colo. – The Colorado Department of Public Safety will start using more ground-based teams and aircraft to investigate the 143