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The holiday season leads the mad dash to the end of the year for businesses, but this year’s dash may look entirely different because of the pandemic.“Especially the grassroots efforts, connecting with them face-to-face. Unfortunately, right now, we can’t do that. So, we need to be thinking about now, ‘How can we get in front of people more frequently?’” said Lacey Book, a business consultant specializing in helping small businesses succeed. “Essentially, we need to get in front of people and cut through the noise of everything else.”In these challenging times, she offered specific tips for navigating through December.Among her ideas:Make sure your business has a web presence that is easy to navigate. It's critical to reaching customers, who are now mostly shopping online.Reach out to repeat customers you’ve had over the months and years through email and social media.Create connections with other businesses by collaborating on marketing and see how you can help them. Being benevolent, she said, goes a long way.Discounts help as well“I think it would really be important to look at, ‘Where in my business can I offer maybe a discount or extend the opportunity for people to buy something at a lower price point?’” Book said. “Because people are also price shopping, where in the past, people were really able to find money for the things that they really wanted. But now, what they’re doing is spending money on what they actually need.”While these tips are aimed at helping businesses get through the pandemic, Lacey Book said it is likely some of the advice will be relevant beyond that, because our shopping habits and expectations may have changed for the long haul. 1694

The number of people unable to make house payments on time has reached a nine-year high, according to a recent analysis of the data.Mortgage delinquencies were at 8.22 percent of all loans for the second quarter of 2020, says the Mortgage Bankers Association.At the end of June, an estimated 4.2 million Americans were on a forbearance plan, meaning they have an agreement with their mortgage lender to delay foreclosure."The COVID-19 pandemic's effects on some homeowners' ability to make their mortgage payments could not be more apparent. The nearly 4 percentage point jump in the delinquency rate was the biggest quarterly rise in the history of MBA's survey," said Marina Walsh, MBA's Vice President of Industry Analysis in a press release. "The second quarter results also mark the highest overall delinquency rate in nine years, and a survey-high delinquency rate for FHA loans."FHA, or Federal Housing Administration, loans are designed for low-to-moderate income borrowers and require a smaller down payment when purchasing a home. The survey found 15.65 percent of FHA loans were delinquent in the second quarter of 2020. That’s the highest rate since the Mortgage Bankers Association began keeping records in 1979.The survey asks loan servicers to report any loan that is not paid back according to the terms in the agreement.The high rate of mortgage delinquencies appear to be connected with availability of jobs. The five states with the largest increases in delinquency rate were New Jersey, Nevada, New York, Florida and Hawaii; all states with a high number of leisure and hospitality jobs that are now in flux because of the COVID-19 pandemic. 1669

The importance of darkness is not something many think about, but it's becoming abundantly clear just how much our bodies need it. Dr. Courtney Hunt with Desert Jewel Wellness in Scottsdale says when looking at a blue light after dark, it turns off the body's ability to make melatonin, which is the hormone responsible for deep sleep.Blue light can come from a variety of sources like phones, tablets, computers, televisions or household LED lights. Medical studies have shown that blue light disrupts the circadian rhythm (the body's internal clock) and that could lead to health issues. A report published in 2016 by the American Medical Association showed, "a long-term increase in the risk for cancer, diabetes, cardiovascular disease and obesity from chronic sleep disruption or shiftwork and associated with exposure to brighter light sources in the evening or night."So what can we do to protect ourselves?Dr. Hunt recommends getting blue-blocking glasses and wearing them in front of a screen, especially when working on a computer or tablet at night. Smartphone users can also downlaod apps like f.lux on your devices that change the color temperature of the screen. 1219

The housing market halted at the start of the coronavirus pandemic in the United States, but now that sector of the economy is seeing the strongest recovery.“Housing economist have been optimistically surprised by the return of buyers to the market,” said Zillow Economist Skylar Olsen. “The overall availability of inventory is more constrained now than it was last year and that is putting upward pressure on prices, meaning that prices are stable.”Over the last few weeks, realtors like Michelle Pfeffer in New York City have noticed not only a strong market, but a new trend with the most competitive sales being homes located in the suburbs.“A lot of properties that are coming on the market are having showings within a couple of days and a lot of multiple offer situations,” Pfeffer said about homes in the suburbs. “We are definitely seeing more people moving out of the city.”Lingering uncertainty around the pandemic, and a possible second round of closures and self-quarantines have motivated many of these moves.“We are getting people who have been in quarantine for a couple of months now in small quarters and maybe have decided that it is more of a priority to have a yard and space,” Pfeffer added. “Also, because we have had a big technological shift, companies that weren’t offering remote work options previously were sort of forced into it and found that it was effective. Which means that they don’t have to be in the office every day and it gives them the opportunity to live in further distances.”According to research by Zillow, New York City, Miami, and San Jose are so far one of three cities seeing the trend of a substantially higher number of people moving out of the city and to the suburbs.Economist at Zillow are monitoring sales and home searches to see if this is a trend that will spread to other major cities or not, in addition to other possible trends the pandemic may cause in the housing market.“This experience can bring a lot of changes to housing, but it is a little bit too early to see how we’ll actuate that out and you can imagine a lot of different ways that can play out,” said Olsen. 2141

The number of people filing for unemployment for the first time is dropping slightly. Just over 800,000 people filed last week, which is less than what was expected. For perspective, only about 287,000 filed the same time last year.The total number of people still receiving some kind of benefits is just under 21 million. Meanwhile, some people who do have jobs are leaving a lot of money on the table in 2020.“If you don’t take time off, you are basically giving the company back almost a paycheck, like here you go, here's my one-week salary,” said Vicki Salemi, Monster Career Expert.Career website Monster found almost half of workers didn't take their full paid time off this year.The pandemic turned work life balance into an all-at-home blended mess for many. Many workers said they didn't take their time because there was nothing to do, nowhere to go, or they were worried about their jobs.Only a small amount of workers are able to rollover their unused time into 2021.Taking time off has been especially critical this year.“You can see things more clearly. You may even be happier thinking about your time off even if that just meant you stayed on your living room couch and binged the latest show,” said Salemi.Some employers, like Monster, even added mental health or additional days off this year, recognizing the extreme stress many were under.Salemi says even if you don’t have big plans for your time away from work, create some sort of framework.“It doesn't have to be rigid, but just so you feel like at the end of the day or the end of the time off, you don’t want to feel like it was for not, like its OK if you're just going to rest this whole time,” said Salemi.If you didn't get in all that paid time this year, depending on your circumstance, it’s worth asking to see if you could carry some over into next year.Now is also a good time to plan for 2021. Monster suggests even starting small with some three-day weekends in January and February. 1978

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