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West Virginia is a red state, and not just in presidential politics.Just take a look at the "School Closings - At a Glance" map put out by the state Department of Education on its website.The map -- which sports different colors for delayed opens, early dismissals and closings -- is a solid red (for closings) since all 680 public schools in the state's 55 counties are closed because of the ongoing teachers' strike there.West Virginia employs nearly 20,000 classroom teachers in its public schools and has more than 277,000 students enrolled.Teachers hit the picket lines last week, demanding higher wages and better benefits. In 2016, West Virginia ranked 48th in the nation for average teacher salary, according to the National Education Association.Gov. Jim Justice signed legislation Wednesday giving teachers a pay raise, but educators said it wasn't enough and it didn't address other areas of concern like insurance and health care costs, so they went on strike. 990

What to keep in mind with credit card bill payments (READ)Tips on handling your credit cards amid virus outbreak (READ)Help available for renters, homeowners struggling to pay for housing during pandemic (READ)3 ways credit cards can help you ride out a crisis (READ)SAN DIEGO (KGTV) -- Tens of thousands of people in California are being sued for not paying their credit card bills and other types of loan payments. The lawsuits are what's known as rule 3.740 collection cases."A lot of worrying after that, like oh my god, what am I going to do," said Chris Madden. "Stressed out now and just didn't need it."In February, Madden was served with a lawsuit from a debt collection company.During an interview with 10 News that month Madden said he needed to borrow money a few years ago to keep his car. He turned to a lender that could get him money quickly."I figured it was going to be a high-interest rate, like 22% or something," he said. "I started making the payments on it, and then I found out more about it."Madden admits he didn't do a great job getting all the details when he took the money, saying the interest rate wasn't clear. When he finally did look at the fine print, he saw the interest rate was 135%. Court documents show a ,000 loan turned into ,000 owed."They were threatening to take any assets that I have, garnish my wages," Madden said.Madden said he stopped paying. He's being sued by a debt buyer under what's known as a rule 3.740 collections case.According to the 2020 California Rules of Court, "Collections case" means an action for recovery of money owed in a sum stated to be certain that is not more than ,000, exclusive of interest and attorney fees, arising from a transaction in which property, services, or money was acquired on credit."Team 10 discovered a 157% increase in the number of rule 3.740 collections lawsuits filed in San Diego County court from 2015 to 2019. 1927

While many hair salon and gym owners across the country understood why they had to shut down during the pandemic, those closures created a financial hardship. A hardship that some are finding difficult to overcome."Economically, it's been devastating to us. We opened up our gym three years ago and sort of like a little miracle. We took over an existing gym that was probably not fitting the community. We came in there with our life savings, we opened up this beautiful gym and we were becoming very successful," said John Pena, the owner of GYM NYC in New York City.Pena says their business was shut down for nearly six months. Now, he's finally excited to reopen. Pena applied for and received money from the Paycheck Protection Program but it only did so much. "There is no income coming in from the business, obviously. The extra 0 on the unemployment has really been a big help but that’s going away. I’ve been able to pay my bills and that's it," said Pena. Pena and other gym owners in New York are hoping for more government help for small businesses to help them get back on their feet."In general, I think there is a set of overhead expenses that I’m sure owners in any industry would tell you play a huge factor. Rent, utilities, payroll, insurance etc., and those are fixed costs that you sort of wonder whether they’ll be any concessions made," said Elvira Yambot, COO of Tone House.In Tennessee, the Shelby County Commission is offering small brick and mortar businesses ,000 each as part of the Beautiful Comeback Grant. "It applies to any business that is in the personal care contact industry. So right off the bat you'd think of barber shops, beauty salons, nail salons but you also think about people who work in the massage industry, as well," said Shelby County Commissioner Mickell Lowery.Gyms also qualify, along with any other business where close physical contact with clients is required."Even when they’re allowed to open they still have to incur additional costs because now they have to open under certain stipulations. You have to have either have PPE which we all have to have now, you have to have that, that's a cost you might have to have, disposable capes and that nature, maybe plexiglass between you and a client, things of that nature depending what type of work you’re doing," said Lowery. Commissioner Lowery hopes other local governments across the country are also able to give something back to small businesses."If you're going to tell businesses to shut down, you have to give me something back so I don't starve," says Pena. For Pena, he's concerned that not helping businesses reopen could have a devastating economic impact. "The quicker we can get back on our feet, the quicker we can get back and people can start walking around and feeling confident, because not making any money, not being able to feed your family is far worse than this coronavirus," said Pena. 2929

When those Amazon Prime Day orders start arriving, they will come in slightly different boxes.Amazon is encouraging people to get a little creative and have some seasonal fun before recycling those boxes.The box designs are part of the launch of a new augmented reality application by Amazon to create interactive and shareable experiences. Amazon describes it as a “fun way to reuse your Amazon boxes until you’re ready to drop them in the recycling bin.”The boxes coming soon have a white pumpkin and a QR code printed nearby. Images for the Amazon Augmented Reality app show drawings on the pumpkin seeming to come to life as a jack-o-latern.Images on the app description page show different box designs with a corgi dog and car option. No word on when those box designs could be hitting doorsteps.The boxes are also made with less material as part of Amazon’s ongoing effort to create less packaging. 912

When you go out to eat or visit the grocery store, you’ll probably spot an employee wiping down tables or spraying carts with disinfectant. These sanitizers can kill the novel coronavirus, but doctors warn some can also cause chemical burns and allergic reactions on your skin.“Depending on the strength of these disinfectants, they can cause damage to the skin. They can react like a burn would, which can appear with significant redness or swelling to the skin,” said Dr. Frederick Davis, who works in the emergency department at the Long Island Jewish Medical Center.One Florida family believes their baby got a chemical burn after sitting in a Walmart cart sprayed with disinfectant.Davis said alcohol, bleach and ammonia, often used in commercial sanitizers, can create that reaction.“A lot of these cases, unfortunately, happen because people think it’s a disinfectant, it kills bacteria and viruses, it’s safe to apply to the skin, but it definitely isn’t,” he said.Environmental Biology Professor at the University of Arizona Dr. Charles Gerba said commercial disinfectant can be harmful to skin until it dries completely.“You don’t want to put the child down in the seat if it’s wet with disinfectant,” warned Gerba.Parents should dry carts or any surface covered in disinfectant before letting kids touch them, but experts caution, disinfectants may not work properly if they cannot dry on their own.So, to keep your kids safe and kill the germs, Dr. Gerba recommends placing a towel down in the cart or using a baby wipe to remove harsh chemicals that can build up over time.“That’s one of my concerns,” said Gerba. “You keep adding these chemical disinfectants on every single day, they’re subject to misuse, like not drying enough, so you might get some exposure,” he said.Because of these dangers, Dr. Gerba is experimenting with a replacement for commercial grade sanitizers with a company called Allied Bioscience. It’s a spray coating that sticks to any surface, even touch screens, and kills bacteria and viruses for months at a time.“It’s the same principle as odor eater socks,” said Gerba. “The reason the socks didn’t smell is it killed the bacteria that caused the odors,” he explained.Michael Ruley is the CEO of Allied Bioscience and said he hopes this coating will make its way onto airplanes, into schools and grocery stores soon. “With this coating going down, it gets ahead of the threat and is proactive instead of reactive,” Ruley said.This new technology is still getting approved by the EPA, but studies show it can fight the coronavirus.“They killed the coronavirus pretty well, like 99 percent or more, within a few minutes sometimes,” Gerba said.This product needs to be applied once every 90 days to remain effective, which would lift much of the workload off employees to clean places.“That’s the whole goal is to get people back feeling comfortable in the environment and be able to go out and enjoy their environment,” said Ruley.But until the frequent sanitizing ends, Dr. Gerba warns just because a surface is clean, doesn’t mean it’s safe for you or your kids to touch. He said the best way to protect your skin is to immediately wash your hands after touching anything that’s been sanitized. 3243

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