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ATLANTA, Ga. – Frank Reiss has a deep love for books. "I think they're beautiful," he said. "I love looking at them I love holding them."The success of the titles, authors and tales on the shelves of his Atlanta shop are a big part of the twists and turns in the story of his small business.He opened A Capella Books in 1989. In the beginning, he focused on books that were hard to find."Used books, ordinary used books, scarce and rare books," Reiss said. Then, people started to turn to the internet for books. "When Amazon showed up, books came pretty available, anyone with a computer could find a book anywhere and it got more and more that way," Reiss said. "A lot of our inventory that used to be scarce, out of print, to to even 0 books became pretty common," Reiss said. "Became and books and it became difficult to make a living selling those."Reiss says his expenses continued to rise while his sales didn't. To keep his business and his job alive, he had to climb into a hole. He says he started putting expenses on credit cards. He says 15 years ago, the debt was at its worst."I probably got to about a quarter million dollars in debt," he said. The plot twist that changed his store was figuring out what to offer the internet couldn't. "We could really capture an audience for books when you could bring the authors to town or store or other venues in town and give their fans the opportunity to meet them and get their books signed," Reiss said. Reiss started to work with the Carter Presidential Library, not far from A Capella, to hold book signings and events. He also started to sell newer books and moved his business to a cheaper location. "Sales versus our low point versus now is probably six times the revenue that we had at its low point," Reiss said.He also says an independent bookstore has a human element the internet does not. "We know our customers reading taste, they know our taste, we have conversations and its a very real experience," Reiss said.Independent book sales rose steadily at the end of last decade, according to the Independent Booksellers Association. “I think you can open a book and just be they can take you anywhere,” said Reiss. While commerce is king, for the characters with a more personal touch, the end hasn't been written. 2318
As the pandemic hits the economy hard, lenders and credit card issuers are offering payment modification programs such as forbearance and deferrals.The coronavirus relief package enacted March 27 requires that accounts that were in good standing before modification be reported as current as long as the consumer abides by the agreement.But for many consumers with federal student loans, relief over a 6-month automatic pause on payments turned into dismay as credit scores plummeted. Consumers complained on social media that their accounts were wrongly reported as delinquent or in non-payment status.That’s not how it was supposed to work, says credit expert John Ulzheimer, who has worked for credit bureau Equifax and scoring company FICO. He says student loan servicers are working to address problems, and he hasn’t heard of similar issues involving other types of lenders or credit card issuers.If your credit score drops, here’s how to diagnose what’s going on and what to do next.First, check your credit reportsWhether you have payment modifications or not, it’s a good idea to regularly check that your credit activity is being reported correctly.Through April 2021, consumers can access free credit reports weekly from each of the three major credit bureaus — Equifax, Experian and TransUnion — by 1323

Bird populations in the United States and Canada have dropped by 29% since 1970, signifying 2.9 billion birds lost in almost 50 years, according to a new study.The scientists involved in the study warn that like a canary in a coalmine, birds reveal environmental health. This steep loss of bird populations, including some of the most common birds like sparrows and finches, shows that human impacts on the continent's environment mean it can no longer support the wildlife systems it once did.Normally, it's hard to track animal populations this way. But birds are much easier to monitor. The study combines almost 50 years of data, including information collected by citizen scientists and weather radar data of migratory birds from 143 stations across North America. Observations by people were shared with the North American Breeding Bird Survey at the US Geological Survey, the Canadian Wildlife Service, the Audubon Christmas Bird Count and Manomet's International Shorebird Survey."Citizen-science participants contributed critical scientific data to show the international scale of losses of birds," said John Sauer, study co-author at the US Geological Survey. "Our results also provide insights into actions we can take to reverse the declines."The study was published Thursday in the journal 1315
Attorneys general from 10 states and Washington, D.C., are suing the U.S. Environmental Protection Agency for tougher regulation of asbestos, a known carcinogen.Back in April, the EPA passed a new rule they say closed a loophole in a decades-old law that prevented the agency from restricting the sale of certain asbestos products, according to 357
California Gov. Gavin Newsom signed a bill Monday aimed at tightening standards for when police will be allowed to use deadly force. The legislation will give the state one of the toughest use-of-force standards in the country, 240
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