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In a college town like San Luis Obispo, California, the local economy relies heavily on student spending.Since the pandemic hit in mid-March, however, COVID-19 has been costing colleges and this community big bucks.“It’s affected us business-wise; it’s not as many employees nor as many students,” said Darnell Harris, manager of Firestone Grill.Harris says pre-COVID, the college hotspot was selling up to 3,000 meals a day. Now, that number has been cut almost in half.“It affects me and it hits me because it is my livelihood,” Harris said. “This is what I’ve done for a living for 25 years.”Coronavirus concerns have resulted in fewer college students living in this area, especially on campus at nearby California Polytechnic State University, San Luis Obispo.“I can’t remember the last time a had a full night’s sleep,” said Keith Humphrey, Cal Poly Vice President of Student Affairs.Humphrey is projecting a million operating deficit for 2020-21 after the college refunded about million in student rent and food plans after the school went all online back in March.With the dorms now about half full, Cal Poly is spending about 5,000 a month in COVID testing.“There’s no playbook or script for something like this,” Humphrey said. “We will be okay. We budget for rainy days. It’s raining.”San Luis Obispo city leaders say the last economic impact report shows Cal Poly’s and nearby Cuesta College’s direct impact to this entire region was worth .1 billion.With more classes being taught virtually, some students say the cost of college during this crisis doesn’t add up.“It’s not worth it to pay out-of-state tuition to essentially have online school,” said Keaton Foster-Adams, who left the University of Colorado, Boulder and returned to his hometown on California’s Central Coast, where he’s now studying automotive technology at Cuesta College.“I’m hesitant to go back just because I’m feeling less and less connected to what I was doing there,” Foster-Adams said of CU Boulder. “I’m kind of thinking about just going to a trade school at this point.”The California State University system, which includes Cal Poly, SLO, is the nation’s largest four-year public university system.It recently announced classes will continue being held online during the upcoming spring term, which means an economic rebound for college towns could take a while.Despite the economic challenges college towns are facing, businesses like Firestone Grill are focusing on keeping people healthy and keeping their doors open.“As long as we stay together, we’ll make it to the end of this,” Harris said. “We’ll get back to whatever our new normal is going to be.” 2671

How does someone who relies on his voice for a living, such as an auctioneer, keep it in top form?You may be surprised to find out what it takes to keep talking up success.As exciting as it is to be in the seats during a live auction, imagine being the man behind the microphone.  "I just love excitement," said professional auctioneer John Korrey. "It's an art."Korrey has been a professional auctioneer for more than 20 years, time he's spent solidifying his sound."There's not any two auctioneers that sound alike," said Korrey. "I can sit here and say countfive, 10, 15, 20, but when I put a chant to it, 'I bid five dollar bid now ten now fifteen fifteen twenty now twenty twenty thirty,' see I'm rolling my tongue and I'm adding some rhythm and I'm breathing."Leading auctions, sometimes for hours on end, has taught Korrey one important thing."We're not a machine," said Korrey. "If it's equipment breaks ... a starter down ... you put a new one in."When my voice goes down I have no wage, I'm done," he said.That's why Korrey spends so much time at the Colorado Voice Clinic, working with Kathe Perez to make sure his voice is okay."Let's start off with an easy feeling of breathing," Perez instructed Korrey. Then the two go through vocal exercises together. "Let's bring it down a key," Perez said. "A big brown bug bit a big brown bear, a big brown bug bit a big brown bear."It's not just vocal exercises that keep his voice in check. A camera goes down Korrey's throat and gives doctors a look at his vocal chords in action."The strobe exam is an artificial form of slow motion that lets us look at the actual vocal folds as they produce sound," said Dr. David Opperman with Presbyterian/St. Luke's Medical Center. "We can pick up subtle abnormalities in the way the chords are moving, if there's a tension difference between the right and left side.  And it's really revolutionized what we do in the voice industry."Opperman said it's not just people like John who need to take care of their voice. Really it's anyone from teachers to customer service operators who does a lot of talking. He says staying germ-free, resting your voice for a time and rinsing your nose with salt water, can all help.From old-school voice training, to high-tech analysis, who knew it takes a combination of care you can't see from the stage, to keep Korrey's voice, and the auction, going strong. 2468

IMPERIAL BEACH, Calif. (KGTV) — Though it stands nearly 20-feet tall, The Spirit of Imperial Beach eludes some residents.  The 18-foot tall statue of a bronze surfer holding a longboard at his side stands tall just north of Imperial Beach Pier. At the foot of the statue, two children building sandcastles.The statue, designed by artist A. Wasil, was dedicated on Jan. 3, 2009, and aims to honor the IB community's cherished surfing and sandcastle history.Many consider IB one of the birthplaces of surfing.SURFINGImperial Beach has continued to provide both challenging and easy-going waves for surfers. Not only those who take to the waves, but those who design and shape boards have called IB home.According to the city, pioneers of surfing came to the Tijuana Sloughs as early as 1937 to shape their sport. While at times the waters in IB close to Mexico are in no condition to swim, the city remains proud of its place in surfing history.Not only does the statue commemorate surfing culture, but IB's outdoor surfboard museum also honors 25 prominent surfboard shapers, nine of which are local.SAND CASTLESSandcastles played a prominent role at Imperial Beach for more than 30 years. Castles, sea animals, and more were carefully crafted on the shoreline during the U.S. Open Sandcastle Competition.The event was canceled in 2011, due to increasing costs and a lack of volunteers.This gave rise to IB's Sun & Sea Festival, which has given a home for sand sculptors to continue their creative work. 1554

IMPERIAL BEACH, Calif. (KGTV) -- Imperial Beach is known for its surfing, sandcastle competitions, and stunning pier, and now you can add scavenger hunt to the list, with a July event created to showcase the city's history and culture."We really want to make sure we're providing something that gives people the opportunity to get out and enjoy the community," says Imperial Beach City Councilman Mark West.Imperial Beach has partnered with IB Active and the San Diego Bike Coalition to put on the scavenger hunt. "It hunts down beautiful and historical places throughout our community, and it's been a great event," says West.Families can make their way around Imperial Beach searching for clues, problem solving, and completing tasks."We've had over 200 families throughout Imperial Beach who are out every weekend riding their bikes, looking for clues on the Scavify app."West says the scavenger hunt is quite fun, and you might call it "The Amazing Race," Imperial Beach style"It is very similar, but we don't quite go to the extremes they do. It is very fun and a lot about solving problems. I mean there are questions on there like where is the oldest house in IB?" says West.Family fun is what it's all about, especially during the COVID-19 pandemic. "We wanted to provide something for our community that could get them out as a family, and enjoy the outdoors. They can also learn about their community, and see the art we have done," West says. 1461

In a crisis, long-term planning may lose out to quick and dirty solutions — regardless of the consequences.As the pandemic and its economic fallout continues, more cash-strapped consumers could fall into this trap if the Great Recession is any indicator.A recent report by the Consumer Financial Protection Bureau found that from 2007 through 2010, debt settlements — which can be financially risky — increased. Meanwhile, credit counseling, a debt relief option that keeps consumers in good standing with their creditors, declined.Before you hit a moment of crisis decision-making, understand how to think through debt relief options.Why debt settlement isn’t all it’s marketed to beYou’ve probably heard the radio ads or maybe received a robocall promising a solution to your debt that can cut what you owe by 50% or more.Debt settlement claims are as lofty as the industry’s marketing budget. But these programs aren’t all they’re hyped up to be — and the ads gloss over the downsides.With debt settlement, you stop making payments to creditors and instead direct your money to the debt settlement company, which holds it in an escrow account. Then, typically after several months, the company contacts your creditors and haggles to cut a deal where the creditor accepts less than originally owed. This period of waiting between when you stop paying creditors and the debt is settled (which isn’t guaranteed) is where things can go awry.“There’s no free lunch,” says Glenn Downing, a Miami certified financial planner. “There really are some significant trade-offs with debt settlement. I’d try to make it a last resort.”Debt settlement risks include:Leaving yourself open to lawsuits: When you stop making payments to creditors and debts go delinquent, you can be sued by the original creditor or by a debt collector who purchases the debt. Until the debt is resolved, either through full payment, settlement or bankruptcy, you’re at risk of being sued.Owing a tax bill: The IRS considers any amount of debt settled as taxable income.Saving less than what was advertised: Debt settlement companies often take a fee of around 30% of your original debt balance. So even if you did settle for 50% of what you originally owed, you won’t come out as far ahead as you might expect after you pay the fee to the settlement company. Additionally, your debt can continue to grow when you stop making payments, as late fees and interest are added to your balance.Credit damage: Missing payments and defaulting on your debts are among the worst things you can do to your credit. These marks stay on your credit reports for around seven years and will make you look risky to future creditors, which can result in you not being approved for credit or having to pay higher interest rates.A better choice for long-term financial healthWhat if there was a way to roll multiple credit card payments into one, at a lower interest rate — while preserving your good standing with your creditors?That’s what nonprofit credit counseling agencies offer. These organizations have arrangements with many credit card companies that provide a lower interest rate in exchange for regular monthly payments over three to five years to resolve your debt.But many consumers aren’t aware of these benefits, according to a 2018 Harris Poll survey commissioned by Money Management International, a nonprofit credit counseling agency. It found that 62% of the 2,012 respondents didn’t know credit counseling can roll multiple credit card debts into one payment. And 73% weren’t aware that credit counseling offers lower interest rates on credit card debt.There are some drawbacks if you use a credit counseling agency’s debt management plan. You typically need a regular income to qualify, and if you miss a payment, the agreement can be dissolved, leaving you to manage on your own.But for the long-term health of your credit profile, credit counseling is the clear winner. This debt relief tool generally keeps consumers in good standing with creditors since they’re making good on their obligations. The only harm to their credit profile would come from closing credit accounts, which some agencies require.To find a reputable nonprofit credit counseling agency, look for one that has been certified by the National Foundation for Credit Counseling or the Financial Counseling Association of America.Know when a third option might be bestBefore choosing debt settlement or credit counseling, consider whether:You’re barely able to make regular debt payments.Your monthly debt payments — excluding student loans and housing costs — exceed 40% of your take-home pay.Your debt burden is interfering with your quality of life, for instance keeping you up at night.If so, you might want to consider bankruptcy. Although it’s been stigmatized, this debt relief tool can resolve what you owe faster than credit counseling or debt settlement. In addition, credit scores can start to rebound quickly in the months after filing.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletHow Credit Counseling Can Help YouDebt Settlement: How It Works and Risks You FaceWhen Bankruptcy Is the Best OptionSean Pyles is a writer at NerdWallet. Email: spyles@nerdwallet.com. Twitter: @SeanPyles. 5312