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Many of us dream about being our own boss, but the thought of actually doing it can be daunting. A new survey suggests many of us share the same concerns about starting our own business. One woman knows that fear all too well, but she overcame it and says you can too.“Every client I try to know their name,” said Whitney Herman, the owner of Shift Cycle. “Everyone who walks in the business I want to be their friends. I want them to feel like this is their home because I feel like it's my home."It’s been two years since Herman officially became a small business owner by opening Shift Cycle, a boutique indoor cycling studio offering 45-minute indoor cycling classes.The new mom couldn't find a place where she could work out and bring her newborn daughter along. “Pretty much everywhere that I wanted to go, none of them offered childcare,” Herman said.So, she decided to create a place of her own.Turns out many of us see ourselves as entrepreneurs as well. The UPS Store talked with people as part of its Inside Small Business Survey and found 66 percent of them dream of opening a small business. But fears may be holding many back, something Herman understands.“Terrifying,” Herman said. “I mean it's still scary.”Forty-five percent of people are concerned about financial security, and 39 percent are concerned about the financial commitment required to open the business.“I think the funding and financing for most people is the hardest part about starting a business,” Herman said.  She struggled to get a loan because many lenders require two years of business experience.“I mean there were times where we were like, ‘I don't think we're going to do it,’” Herman said.  “We would get so close and then we had a bank be like, ‘Oh sorry, we can't do it.’”She was able to get funding through a non-profit, but still struggled with a fear 37 percent of people in the study share; fear of failure.“I have no MBA,” Herman said. “I have no degree in anything business related. I've never really managed people. I don't really know anything about finance, so I was kind of going it's completely blind.”Luckily her husband knew more about those things. And what she lacked in those areas, she made up in passion and desire to learn along the way. If you have a dream of starting a business, Herman says you can do the same thing.“You just have to believe in your product,” Herman said. “And you have to believe in yourself that you're strong enough and motivated enough to just kind of fight. And you know you get where you want to go because no one's going to do it but you.” 2643

MARINE CORPS AIR STATION MIRAMAR, Calif. (KGTV) -- A Marine Corps helicopter crashed during a routine training mission over the El Centro area Tuesday afternoon, according to officials. The CH-53E Super Stallion helicopter from 3rd Marine Aircraft Wing crashed around 2:35 p.m. Four crew members were aboard the aircraft.In a press release, the Marine Corps wrote that the status of all four crew members is, "presumed dead pending positive identification."The cause of the crash is currently under investigation. The names of the deceased will be withheld until family has been notified.  617

Mall Santa didn’t want to give Michael a Nerf gun for Christmas and made him cry. The @NRA made it our mission to fix this and make Michael’s Christmas the best EVER. pic.twitter.com/wpGAzcpqAs— NRA (@NRA) December 14, 2020 237

Millions of people are about to update the most essential device in their lives -- their iPhone -- to Apple's new iOS operating system, iOS 11.Should you take the plunge and do it now, or wait until all the reviews are in, and all the bugs are out?iPhone users have concernsSome iPhone owners, like Ally Knestrict, have a few concerns. While having lunch outdoors, she was reading reviews, and decided she would wait a few days."I might hold off and wait a few days just to see what the issues are, and if it works well," she said.She had already heard of some problems with battery life. Others in the lunch crowd said they heard that it needs a lot of free space to download. Janelle Bagneski said, "I won't have enough space on my phone, if it requires two gigabytes." She is correct.So we compiled the pros and cons of Apple's newest iOS.The GoodThe look: iOS 11 is not as dramatic an update as iOS 9 and 10 were, when the whole look changed, and there was a learning curve.You will immediately notice some new looks, especially of the app store, and your options at the bottom of messages.Control Center: The control center is much simpler to use than iOS 10, which gave you three screens to swipe between. Now, music, flashlight, and the icons for Bluetooth and WiFi are all there on one screen, just like on Android phones. It's customizable, so you can change the widgets that appear there.Photos: Apple says the camera is improved, and photos will take up less space due to its new high efficiency image file format (HEIC), which takes up less room than JPEGs. (Though you will still have to option to save them as JPEGs). The Verge explains the file issues in detail.Do Not Disturb: A wonderful new Do Not Disturb improvement now alerts people who text you that you are driving, and cannot text back. You can turn this on or off manually, or with the iPhone 6 or newer, it will do it automatically when it senses you are diving. (Yes, you can turn it off if you are in a bus or a passenger). MetroUK has a good article explaining how this works.Do Not Disturb is just one of several new safety features, according to a good review in The Independent.Siri: The Siri voice assistant has too many improvements to list, but the biggest one is that she will do audio translations into French, Spanish and several other languages. This is a huge improvement for foreign travelers who don't know a word of their new country's language.Maps:  Maps now give more detailed information, and even speed limits of highways, as explained in a report in MacWorld.iPad: The iPad version now lets you easily run multiple screens and apps, making it look more like a Microsoft product (did I just say that?)The website TechDotMatrix lists a number of other good improvements with iOS 11.The BadOlder apps:  iOS 11 no longer supports older 32-bit apps, so if your favorite old app is not 64 bits, you will have to update or delete it.iPhone 5:  If you are still using a four- or five-year-old iPhone 5, you cannot download iOS 11 (here's a full list of devices that are compatible). It will work on the iPhone 5s, though some users report it slows the phone down. (If you still have the iPhone 4, you shouldn't be even reading this column. Please buy a new phone, then get back to me). I have a 5s, and so far everything is fine, though the phone feels a bit slower opening apps.Photo compatibility: The new HEIC photo format (to save space) may not be compatible with PCs and Microsoft-based photo editors without conversion to JPEG files. The Verge has a good writeup on this.? Microsoft Exchange issues: While we are talking Microsoft, some users report problems with the Exchange for iOS app, and with Outlook 365. I have not noticed this problem on my iPhone 5s, with the update.The UglyBattery Drain: Really, there's not much ugly with iOS 11, unless you find it dramatically draining your battery, as some early users report. Gotta Be Mobile explains what to do if your battery is now running down fast. Apple forums are already filled with suggestions for improving battery life if this happens, such as shutting off automatic app refreshing.Not enough space: Also, keep in mind you need two?gigs of free space to install the update. If you have an older iPhone with lots of videos on it, you may have to delete some videos or music.One hour download: Anticipate the whole download, updating and installation to take an hour on average.Don't try to do it on the fly, like 20 minutes before an important meeting (as I tried to do, oops). Also, there is a 10-minute period late in the installation process where you cannot use your phone at all, as all you will see is a slow bar moving.So it is best to do the update at home, at night, when there is no urgency. Finally, you may want to have the phone plugged in during the update, or you'll be stunned how much battery power that one-hour process will take. I was down to 25 percent at the end of the update. Glad I had a spare power cord in my desk.Otherwise enjoy, and don't waste your money.________________Don't Waste Your Money” is a registered trademark of Scripps Media, Inc. (“Scripps”)."Like" John Matarese on FacebookFollow John on Twitter (@JohnMatarese)For more consumer news and money saving advice, go to www.dontwasteyourmoney.com 5457

Los latinos constituyen de aproximadamente un tercio de los votantes elegibles en esta elección presidencial en los Estados Unidos. Según un estudio reciente de El Centro de Investigación Pew, votantes latinos nombraron la Corte Suprema como unos de los temas más importantes para la comunidad. Christine Rodríguez es una abogada que sera juramentada en la barra de la Corte Suprema en enero. Ella dice que la preocupación de el tema viene por la falta de representación.Rodríguez recuerda haber so?ado con ser abogada cuando tenía solo 9 a?os, pero le faltaba alguien que la asesorara. “Nadie que yo conocia era abogado”, explica Rodríguez. No fue hasta su último a?o de secundaria, durante un viaje educativo a Washington, D.C. que encontró su inspiración. “Está mujer es todo lo que yo quiero ser“, dijo Rodríguez sobre el momento en cual pudo observar a la magistrada de la Corte Suprema, Ruth Bader Ginsburg. Rodríguez incluso guardó las notas que tomó mientras observaba. Cerca del nombre del magistrado Antonin Scalia, ella escribió una nota describiéndolo como divertido. Junto al nombre de Ginsburg Rodriguez escribió, "inteligente y seria."Veinte a?os después de esta experiencia, Rodríguez sera juramentada en la Barra de Abogados de la Corte Suprema, lo que le permitirá argumentar casos ante la Corte Suprema. La ceremonia de confirmacion sera el próximo enero. Pero faltara Ginsburg,quien hubiera estado presente. “Quería agradecerle su incansable labor como abogada, y como mujer y campeona en este campo”, dijo Rodríguez.Como latina, Rodríguez dice que tiene algunas preocupaciones sobre algunas decisiones clave que tomará la Corte Suprema en el próximo período. Un ejemplo es el caso de Obama Care. “El cuidado de la salud es un tema que estará ante la Corte Suprema”, dijo Rodríguez. Quienes se oponen a Obama Care esperan que la Corte decida suspender el programa. El presidente Donald Trump ha dicho que reemplazará Obama Care con algo mejor.Otros votantes dicen que la Corte Suprema necesita diversidad.El voto latino nunca ha sido tan poderoso como lo es ahora. “Quien es estados unidos? Estados unidos no es solamente 8 hombres blancos y una mujer latina. Tiene que haber mas representación”, dijo Mari Carmen Puente Castellano. Según un estudio de el Centro de Investigación Pew, hay 32 millones de latinos quienes son elegibles para votar. “No me importa de qué lado usted vota, pero vote, para que se de a conocer que estamos aquí ”, dijo Castallano sobre la participación de votantes.Rodríguez dice que la comunidad latina ha sido ignorada por los políticos por demasiado tiempo, pero ahora que el número de votantes es lo suficientemente significativo, la comunidad necesita presentarse en las urnas. “Cuanto votamos, los políticos se van a dar cuenta que tienen que escucharnos”, dijo Rodríguez. 2833

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