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It's time to ring in the holidays as the Otay Ranch Town Center lights a Christmas tree. The event included unique street foods, handicraft items, free holiday crafts for kids and free cookies and hot chocolate while supplies last. Watch the entire tree lighting ceremony in the player below:  331

It will cost a little less to buy Obamacare coverage in 2019.The average premium for the benchmark silver plan will decline by 1.5%, the Centers for Medicare & Medicaid Services said Thursday.It's the first time average premiums have fallen since the Affordable Care Act exchanges opened in 2014 ¡ª but the decline comes after a 37% spike for this year's benchmark silver plan.Americans who buy those plans will save a month over this year's rate, on average, but will still be paying 5 more a month than in 2017.Premiums vary across the 39 states that use the federal exchange. The biggest drop will be in Tennessee, where premiums will fall by more than 26%.The vast majority of Obamacare enrollees are not affected by annual premium changes because they receive federal subsidies to offset the cost. 819

In post-Brexit Britain, trips to the European Union will get a little more expensive for millions of Brits in search of a continental break.The European Commission confirmed on Friday that UK travelers will be required fill out an online form and cough up €7 (.90) for visa-free travel, which will be valid for three years.Natasha Bertaud, a spokeswoman for the commission's President Jean-Claude Juncker, likened the "simple form" to the Electronic System for Travel Authorization (ESTA) scheme used by the United States -- which requires travelers to pay to apply for permission to enter the country.She also pointed out that the EU's version, called ETIAS, will be "way cheaper."But this all comes with a major caveat. If the UK crashes out of the EU with no agreement in place, Brits will be required to get a visa to travel to the EU, a commission spokeswoman told Reuters on Friday.ETIAS, which is expected to come into force in 2021, will apply to countries outside the EU whose citizens can currently travel in Europe visa free. There are currently 61 such countries, including the United States, Israel and Singapore.It will cover the so-called Schengen group of 26 European countries that share largely open land borders.The electronic visa waiver system was conceived to "identify any security or irregular migratory risks posed by visa-exempt visitors traveling to the Schengen area while at the same time facilitate crossing frontiers for the vast majority of travelers who do not pose such risks,"?according to the commission. 1554

INDIANAPOLIS -- Warren Township, Indiana Schools says no students or teachers were seriously injured Wednesday when pepper spray was released inside a middle school.Medical responders were called to Stonybrook Middle School and Stonybrook Intermediate Academy around 2 p.m. Wednesday for a report of more than a dozen people affected in an apparent pepper spray release.According to Warren Township Schools, a student released the pepper spray inside the building ¨C although it was not immediately clear whether the release was accidental.A district spokesman said 15 students and two teachers were affected by the pepper spray. All were checked out and released on scene by EMS.The school was temporarily evacuated following the incident and was back to normal conditions as of 2:30 p.m., the district said.School police were reportedly examining surveillance footage to determine how the pepper spray was released. 934

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