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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

COLUMBIA, S.C. – Former Vice President Joe Biden has won South Carolina's Democratic primary.It was his first victory in three tries at the Democratic nomination, and it came during the fourth Democratic primary contest of the 2020 election season. The top finish came in a do-or-die campaign that followed three underwhelming performances. Shortly after the race was called in Biden's favor, the 77-year-old 423

DENVER, Colo. -- When a cop receives a call about a suspect with a gun from dispatch, their mind starts racing. “You start going over tactics in your mind. You start walking through the worst-case scenario, typically, of how you’re going to respond to and handle this incident,” said Don Mihalek, a former Secret Service agent. But what if that info wasn’t quite right? The person calling 911 made a mistake. That can end in tragedy. Paul Taylor is a former police officer and officer trainer. When running simulations with officers, he noticed something that caused some concern. “One of the things that I saw is that I could drastically change use of force decision making and outcomes with small pieces of information at the front end,” said Taylor. The use of force can mean a lot of things to police, but in this case, we’re talking about firing a gun. Taylor noticed if he changed some of the information officers received in the simulations, it could change the whole outcome. So, when he moved to academics with the University of Colorado Denver, he decided to test the theory. “A person appeared on the screen with their hands in their pockets, the person matched the description from the dispatch call. And after a little bit of time, a person rapidly produced a cell phone from their pocket,” said Taylor. He ran a simulation where officers responded to a trespassing call. Sometimes, they got an update saying the suspect was on a phone or they had a gun. “The group got the gun dispatch or gun update. They shot the person more than twice as often. So, when the person produced a cell phone, they shot them 62 percent of the time,” said Taylor. That’s more than twice as often as the group that got no update. Only six percent of the officers who were told the suspect had a cell phone fired a shot. “All studies have shown that eyewitnesses tends to be the most unreliable testimony, and also you need to take into adrenaline, fear, people are trying to process this dynamic situation that they’re not used to seeing,” said Mihalek. “Unfortunately, sometimes eyewitnesses may not get things 100 percent accurate,” said April Heinze with the National Emergency Number Association. Heinze works with an advocacy group for 911 dispatchers. “The intake that’s received by the callers that are in extreme circumstances is based on their emotions and perceptions. There’s a lot of adrenaline going through your system,” said Heinze. Heinze says the 911 system is 50 years old and isn’t taking advantage of new technology that could help get officers more accurate information. “You know we’re talking about texts, and pictures, and video, and two way video and things like that,” said Heinze. Taylor doesn’t disagree that witnesses give inaccurate information. “We know that, from the time we’ve been playing tin cans or telephone as a kid, that information changes as it passes between people,” said Taylor. But Taylor doesn’t want law enforcement to rely on the public getting better at reporting crimes. Instead, he wants authorities to develop policies and procedures around the human element. That means assuming that people calling 911 are going to make mistakes and learning from your mistakes. “Where we find human error, whether that’s in aviation, nuclear power plant operation, medicine, we find an opportunity to improve, but that doesn’t seem to be the case in policing,” said Taylor.  3436

Ali Schroer was on board when her doctor told her she could save hundreds of dollars a month on her allergy medication by ordering it online. “I was a new professional and just trying to save some money, because it was so expensive,” Schroer says. She ordered the prescription on a website that claimed to be an online Canadian pharmacy. “It looked exactly like what I had been taking for years and years, and so, I really didn't think anything of it,” she says. But in a few weeks, she started to feel strange. “I had stomach pains and headaches and kind of achiness,” she recalls. “I would go almost into shock, like I would really get clammy and hot and get like these fever spikes.”When she told a family member about the medication she got online, they did some research and found the site had a reputation for selling counterfeit drugs. Schroer says she threw the medication away, and in within weeks, she felt completely better. Her story is a cautionary tale of the dangers of purchasing medications online. The FDA recently issued a warning letter about the Canadian drug distributor CanaRx, saying it supplied "unapproved" and "misbranded" drugs to consumers in the United States. “If you order medicines online and think they're getting them from Canada, they're probably not coming from Canada,” says Dr. Carmen Catizone, executive director of the National Association of Boards of Pharmacy. “If you walk into a pharmacy in Canada, then those are medications that are safe enough that are approved by Canada.” An attorney for the company says CanaRx only facilitates the sale of drugs by American pharmaceutical companies licensed by the FDA in original packaging. However, Dr. Catizone says because the U.S. can't regulate drugs from other countries, it's hard to know exactly where drugs you buy online come from. “If something sounds too good to be true, it's probably too good to be true for something that's licensed for a site, where you can get information from a state agency or federal government about,” Dr. Catizone explains. As for Schroer, she has decided to stop online shopping for her prescriptions.“You just don't know enough about where it comes from,” Schroer says. 2210

DENVER — Pavilion M is just one of the almost two dozen buildings at Denver Health’s medical campus. From the outside it’s really nondescript, but it really is one of a kind. Inside is the 208