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WASHINGTON, D.C. – Louisiana is a state dealing with not one, but two multi-billion-dollar natural disasters within the span of six weeks: Hurricanes Laura and Delta.“This family had just moved in less than a week ago,” said Chuck Robichaux, mayor of the town of Rayne, Louisiana. “They’re just getting settled in, haven’t even put all their things in place, and they’re having to move out until we can get it repaired.”It’s a heartbreaking scenario playing out across the country this year.Up until Hurricane Delta, the National Oceanic and Atmospheric Administration said the country experienced 16 natural disasters this year, each with damages over a billion. Those included wildfires and droughts in the West, tornadoes, severe weather and flooding in the Midwest and hurricanes along the East and Gulf Coast.That number, 16, tied the record for the most billion-dollar disasters ever recorded in a single year, until Hurricane Delta broke the record with at least billion in damages.“The overall trend is one of an increasing number of billion-dollar disasters,” said Jeff Schlegelmilch, director of the National Center for Disaster Preparedness at Columbia University.He said there are two main reasons there have been more of these high-priced disasters.The first is climate change.“To deny climate change is to deny one of the critical drivers of these disasters,” Schlegelmilch said.The other reason, he said, comes down to where people choose to live. The population is growing, which is leading to more development in vulnerable areas, like in hurricane-susceptible coastlines and in wooded areas susceptible to wildfires.“Are we prepared to accommodate such large numbers of people in areas that are increasingly vulnerable to disasters?” Schlegelmilch said. “And, if not, what investments do we need to make in order to do that?”That might mean putting stricter building codes in place and rethinking disasters beyond just responding to them when they happen, the way FEMA and states do now.“It's not just about responding to the disaster, it's about preventing it, it's about mitigating it,” Schlegelmilch said. “So, looking at this more holistically, I don't think we yet have a great model for doing this federally or at the states or at the community level.”It’s more than just about the numbers, though, when it comes to billion-dollar disasters. There is a tremendous personal cost, too.“What we don't really capture as accurately within those numbers are the loss of lives, the loss of livelihoods and the communities that can actually be held back for a generation or more,” Schlegelmilch said.That leaves impacts felt both now and potentially by generations that follow. 2707

We're in some strange times right now and it may be hard to tell if it's appropriate to ask for a raise at work. Career experts say it's all about reading the room.“If your company has decided to freeze bonuses and they've laid off or furloughed people, you should still have a conversation with your boss about where that means your compensation will currently be, but you may not go into a nitty gritty negotiation conversation,” said Vicki Salemi, a career expert at Monster.com.If your company is doing well, has been able to keep employees, and has offered different work from home options, then it's fair game to begin negotiating with your manager.Make sure you walk into the conversation informed, though. Do your research on what someone with your experience and your location should make.And most importantly, don't start this conversation over email. Simply ask your manager if they have 15 minutes for a video chat and talk to them face to face.In the case where maybe a raise isn't possible right now, be open to negotiating about perks instead.“In addition to compensation, you can ask for additional personal time and perhaps you can also ask for extended working from home arrangements, after the pandemic or different arrangements, where you can have different things reimbursed to you that they previously didn't approve,” said Salemi.If both a raise and perks are denied, see if there's a chance those could happen later. If not, experts say it could be time to start looking for a job outside the company that will pay you your worth. 1562

We all know processed foods can be bad for you, but with recent technology, some processed foods may be becoming the healthier alternative.When it comes to living a healthier lifestyle, many of us are willing to jump on the bandwagon of trying healthier alternatives. Right now, there are plenty of options for different types of milk, such as almond milk, soy milk, cashew milk and coconut milk. But, none of those have the kind of protein as the real thing.Innovative food technology is changing that. For example, there is now a milk made out of peas. The pea milk claims to have the same texture and same 9 grams of protein as the real stuff. Adam Lowry, the founder of Ripple says, “I think that technology responsibly applied can be a great way of creating more delicious plant base foods.”The plant-based milk that nutritionists say has the most similar benefits to the real deal is not meant for just vegans and vegetarians.Lowry says, “What I think is a much broader trend is people just wanting to eat more plant base or to eat a little bit less animal protein.”Jessica Crandall is a registered dietitian and says, there is a benefit to plant-based products. However, like any packaged food, she says you should still pay attention to the label.Crandall says, “So it might be a plant-based product but are there any added oils to get that flavor. So, if you are using a chicken nugget product or plant-based protein product again just be aware of the nutrition you need or your child needs that’s important.”Whether you want to live a healthier lifestyle, one thing we learned is that flavor matters. But, remember not to neglect the nutritional benefits food is meant to give us. 1723

WASHINGTON, D.C. – Tuesday is the last day for small businesses to apply for a loan through the Paycheck Protection Program.About 4.8 million businesses received a PPP loan, with a total of 9 billion lent out. But as of Tuesday, there's still more than 0 billion left in the pot.As to why that is, the Small Business and Entrepreneurship Council says there's a few reasons, like concerns over how much would actually be forgiven, constantly changing rules, and strict limits to how the money can be used.“Not all businesses are the same. So, you know you've got businesses with high overhead, maybe few on payroll,” said Karen Kerrigan, President and CEO of the SBE Council. “This program really didn't align with their needs.”Business owners and advocacy groups complain that the money in the PPP was not fully put to work because it created obstacles that stopped countless small businesses from applying.A report from a research group says the program’s shortcomings also made it more difficult for minority businesses to get loans.The owners of a Colorado brewery who got a PPP loan say it helped, but only goes so far."It didn't solve the problems. What it did was sustain us for a few more months."The SBE Council is working with lawmakers on both sides of the aisle for further policy solutions. They're pushing to broaden what expenses can be forgiven, especially when it comes to technology.Through a survey, the group found 87% of small businesses said they wouldn't have been able to survive without cloud-based services.“We know that consumers are on social media and technology platforms looking for new businesses, looking for new brands, looking for new things that they need, and that's where small businesses can really fill that gap,” said Kerrigan.The Small Business Administration says it will be up to Congress to decide what to do with leftover funds from the PPP. 1900

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