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In the midst of an economic downtown, small businesses had to figure out how to stay afloat. The website fundBLACKfounders launched earlier this year, and is providing a platform to help small businesses that are in need, or are looking to launch.“We offer a boutique movie-going entertainment experience,” Kendra Tucker explained. She helps run Next Act Entertainment. The idea for the Maryland business started in 2018, in part with co-owner Anthony Fykes.“2019 we opened up the theater. We took up a 1938 Art Deco theater right outside of Baltimore,” Fykes explained. “And we basically renovated it.”Then COVID-19 hit, forcing businesses like movie theaters to close temporarily.“During this time we knew that we just needed to survive as most small businesses do, and we had a lot of guests that were asking us about, How can we support you?'” Fykes said.For some businesses, closures weren’t temporary. A study out of Stanford University showed the drop in business owners from February to April 2020 was the largest on record, and black-owned businesses saw a 41 percent drop.So Fykes looked for help. “I basically just did a Google search and I found Renee, and the platform looked legit,” he said.He had come across fundBLACKfounders, a crowdfunding platform.“We were super nervous at first around even doing something like this. We were like, how are we going to be perceived, are our guests going to think we’re going belly up?,” Fykes said.“What I noticed with crowdfunding is that not a lot of African Americans were using it for ownership or for building businesses or startups,” Renee King said. She started fundBLACKfounders. She said anyone can start a campaign on the platform -- but unlike other crowdfunding sites, fundBLACKfounders coaches businesses through the process, and gives founders flexibility. The platform takes five percent commission on funds earned.“They can raise or lower their goal amount,” King explained. “As the money starts to come in and our merchant account clears it, the money goes straight to the founder.”“Starting in the end of January 2020 through now, we’ve raised over ,000…for 12 black entrepreneurs,” she said.For Next Act, the platform provided a way for the community to help.“It’s success is really built on the strength of the community that supports it, and fundBLACKfounders, it matches the type of strength and support that we get from our community,” Tucker said.For other companies like Saraa Green’s startup, the platform gives her a way to get an idea going. “We initially wanted to raise capital for our business to bring our tool out into the market,” she said.Her product is called The Braid Releaser. “My mom had to take out our braids and take down our braids and that would take hours, and the tools that she was currently using really wasn't doing its job,” Green explained. “She wanted to create a tool that would decrease the time in taking down braids, that is comfortable to use, and that essentially reduces the hair loss during the process.”That’s when she met Renee King. “I did not want my mother's dream to just come to an end because of this pandemic,” Green said.Nearly eight in 10 small businesses are now fully or partially open as of June, according to a poll by the U.S. Chamber of Commerce.“What's good is this is actually helping us think through how do we flex into the entertainment part of our business,” Tucker said. Next Act has expanded to become a broader entertainment space, and is even being used for private events to help stay in business.As fundBLACKfounders grows, King wants the platform to help connect businesses to their communities.“We need to start helping black entrepreneurs a little bit more, and getting them more funding so that they can scale the solutions they need for their communities or they need for the world in general,” King said. 3864

It appears another week on Capitol Hill will come to a close without any sort of agreement on another stimulus plan. The US Senate adjourned on Thursday for the weekend, and won't resume until Monday.While Congressional Democrats, Senate Republicans and the White House are largely in agreement on the need for a stimulus, agreeing to a framework remains in question. The two sides are at odds over how much of unemployment should be supplemented by the federal government. There is also a debate on offering businesses liability protection from coronavirus-related lawsuits.On Thursday, House Speaker Nancy Pelosi said Democrats won’t back down from their request to have a 0 weekly unemployment supplement.“We're not having a short-term extension... We have said that we're going to have the 0,” Pelosi said.But what about criticism from Republicans that a 0 a week supplement to unemployment is more lucrative than working?“There are all kinds of reasons that weigh in on this pandemic,” Pelosi said. “People have to stay home if their children are not able to go to school or if they don't have childcare. There are a number of reasons. But none of them is 'I want to stay home because I make more money this way than other', maybe some of these employers could pay their workers more."Meanwhile at the White House, President Donald Trump said he is ready to take action on a few items via executive order if need be. With a federal student loan freeze set to lift in eight weeks, and eviction protection ending last week, Trump tweeted, “I’ve notified my staff to continue working on an Executive Order with respect to Payroll Tax Cut, Eviction Protections, Unemployment Extensions, and Student Loan Repayment Options” 1740

INDIANAPOLIS -- If you believe the latest conspiracy theory you should probably take the next couple of days to finish your bucket list because the end of the world is coming this weekend.That said, we wouldn't suggest skipping work just yet.The latest theory suggests that on Saturday, September 23, “Planet X” will crash into Earth causing the apocalypse.The man behind that theory, David Meade, even authored a book called “Planet X – The 2017 Arrival.” His original theory suggested that the world would end a few days earlier, but it was adjusted based on the date of the most recent solar eclipse.Meade says his claims are rooted in Christianity – and that the date coincides with biblical history, falling 33 days after the total solar eclipse.  "Jesus lived for 33 years. The name Elohim, which is the name of God to the Jews, was mentioned 33 times (in the Bible)," he told the Washington Post. "It's a very biblically significant, numerologically significant number."Meade’s attempt to predict the end of the world is not the first one to go viral, and not even the first to claim the fictional planet, Niburu, would cause the end to come.NASA debunked claims of Nibiru’s existence years ago and dedicated an entire page to the December 21, 2012, apocalypse predictions, even creating a question and answer and a video titled “Beyond 2012: Why the World Didn’t End.”They have since updated that page in reference to the most recent “prediction.”“The planet in question, Nibiru, doesn’t exist,” said NASA. “There will be no collision.”The story of Nibiru has been around for years and has been recycled into numerous apocalyptic fables over time, this is just the latest one to surface - according to NASA – and it likely won’t be the last. 1772

In one exceptional piece of journalism, content creators led readers to understand everything about "The Wall" that President Donald's Trump has proposed for the U.S.-Mexico border.That content includes an aerial video of every foot of the border. It allows people to explore every piece of fence and "even stand at the border in virtual reality." It was made as an effort of the Arizona Republic with the USA Today Network, and it is the winner of a prestigious journalism award.Go here to see "The Wall" project"The Wall" is one of many tireless journalism efforts named a winner of the 65th Scripps Howard Awards. WATCH THE 65TH SCRIPPS HOWARD AWARDSThe winner in the Scripps Howard Awards' "Topic of the Year — Divided America" category, VICE News sent a correspondent behind the scenes with white nationalist leaders as well as counterprotesters in Charlottesville, Virginia in the days after a "Unite the Right" rally in 2017 that left three dead.VICE News' content is called "Charlottesville: Race & Terror" and includes comments from residents of Charlottesville, members of the Black Lives Matter movement and the Charlottesville Police.Go here to see "Charlottesville: Race & Terror""Harassed" by the New York Times also won a Scripps Howard Awards honor in the "Investigative Reporting" category. The piece uncovers "the secret histories of prominent men across industries who were accused of sexual harassment and misconduct that affected women ranging from actresses to factory workers to food servers." The articles in this series were a catalyst for the #MeToo movement.See "Harassed" by the New York TimesThe Scripps Howard Awards aim to spotlight the very best in quality journalism that impacts the world in which we live. Journalists spend countless hours away from those in their personal lives in order to expose truths and bring about change and justice. Those being honored with these awards, in several categories, are journalism heroes. 2078

It’s a tough time to do your banking if you prefer going to a branch. Hours have been cut at many locations, and social distancing guidelines mean bank lobbies are limiting traffic — assuming they are open at all.For customers who absolutely need to visit branches, banks are taking steps to prevent the spread of COVID-19. Sean Potter of Minneapolis, who blogs at My Money Wizard, saw these precautions during a recent meeting at his local bank. “It was awkward because I had an appointment with the relationship manager, and we still had to maintain 6 feet of distance even though we had to review the same documents together,” he says.Potter appreciates that the branch was trying to ensure his safety, but says he’s now considering other ways to bank. “From now on, it’s online or on the phone,” he says.Here are some ways you can bank without leaving home, along with safety tips if you do need to venture out to a brick-and-mortar branch.Explore online options“A lot of banking can be done with the click of a button,” says Brian Milton, head of retail banking at Union Bank. Union and most other banks and credit unions have robust websites and apps you can use for many banking tasks.Deposit checks. With mobile check deposit, you can snap a photo of a paper check and submit it online, via app or your bank’s secure website.Pay bills. With online bill pay, you can log in to your bank’s webpage and enter the name of the recipient and their contact information. Your bank handles the rest by making an electronic funds transfer or mailing a paper check.Apply for an account. Opening a new checking or savings account can be as easy as going to a bank’s website and submitting an online application. To apply, have your driver’s license and Social Security number handy to prove your identity.Sign documents. Some institutions use digital services such as DocuSign to prepare documents, including loan and account opening paperwork. They can be securely emailed to you, and you can sign them electronically by clicking highlighted prompts.Request payment assistance. Need some leeway with loan payments? Some banks are allowing customers to request arrangements online, including delaying due dates for bills, temporarily reducing monthly payments or asking for fee waivers.Or pick up the phoneKeep your bank’s customer service number nearby. You can use it to speak to a real person about account questions or issues.For example, some banks have announced that customers can call and request to waive non-sufficient funds fees, overdraft fees and monthly service charges.But keep this in mind: If you’re faced with steep fees, it may be better to simply switch to a cheaper bank. Online-only institutions, for example, tend to have low or no monthly service fees, and some offer toll-free customer service numbers staffed 24 hours a day, seven days a week. To learn more, read our primer on online banks.Bank safely at a branchIf you still need to visit a bank branch, here are some ways to protect yourself.Get it on the calendar. “Before you visit your local branch, it’s a good idea to call ahead and schedule an appointment,” Milton says. He adds that doing so helps branches manage occupancy and social distancing requirements.Calling ahead can also help the bank make sure it has a staffer on hand who can help you with a specialized transaction or request, he says.Consider drive-up services. Some banks have drive-up lanes where customers can receive the same services offered inside a branch, such as making cash deposits and withdrawals, and getting money orders, all at a safe distance from other people. You could also withdraw cash from an on-site ATM without the need to interact with a teller.Bring your protective gear. Since you’ll be touching screens, door handles and other public surfaces, consider bringing hand sanitizer or wearing gloves. If you do need to step inside a lobby, you may also be asked to wear a mask for everyone’s protection.Accept the changes. Steve Turner, a publicist in Chesterfield, Missouri, says he visits his local branch a few times a month to make business deposits. “There are signs on the floor showing where people should stand to keep their distance,” he says. Turner has also noticed there’s less small talk with the tellers, and reasons it’s because everyone is wearing a mask. He believes these changes will remain for a while. “It was odd at first, but now it seems like a new normal,” he says.More From NerdWallet3 Ways to Skip Your Bank’s Long Phone LinesLooking for Safer Ways to Pay? Go ContactlessIs My Money Safe in a Bank During the COVID-19 Crisis?Margarette Burnette is a writer at NerdWallet. Email: mburnette@nerdwallet.com. Twitter: @Margarette. 4731