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In South Tampa, close to the Hillsborough Bay, people didn’t get the flooding that usually comes with heavy rain. Instead they are dealing with the aftermath of high wind; downed trees and branches.The sound of saws cutting through bark will become a familiar one in the next few days, as people try to get rid of the trees uprooted by Irma.Nancy Callahan might not be excited about the work, but would choose it over a different outcome.“My son and his three-year-old and his friend were up in the attic space which is a big big room and bathroom,” Callahan explains. “And if it had gone across the house they could've been killed.”Just a few streets away, another tree fell taking the street's power along with it. “Well I was sure glad the tree felt that way and not the other way,” says Domenic Massari who rode out the storm across the street.The tree barely missed Marcy Mixon’s home.“There was a horrible explosion two of them,” Mixon remembers. “And I knew that the cable box was hit, the tree came down and the whole house shook.”It wasn’t just trees we saw in places they shouldn’t be. This stop light wasn’t doing much good on the ground. This downed billboard was no match for Irma’s wind.At the Dill’s family home clean-up is a family affair. Mia Dill describes Hurricane Irma as scary.“I've never been through a hurricane before,” Dill says. “I didn't know what to expect.”And after making it through the storm, her father says these are moments they appreciate even more.“As a father, you know, of three young children it's very scary,” Tony Dill says. “For someone like me I travel a lot. I am out of town so just grateful that we could be home together as a family and all be together.”Overall people, especially those who live close to downed trees are grateful because they know the damage could have been much worse. 1859

INDIANAPOLIS, Indiana — After 15 suspicious packages containing pipe bombs were mailed to prominent Democrats, a former president and media across the country by a serial bomb maker, now there are new questions being raised about why the packages made it through the post office system without being caught. The mail bombs never detonated, but how did the packages get dropped off, sorted and sent to places across the country without ever getting stopped for being suspicious? WRTV television station in Indiana dug into what happens to your mail after it goes into the system and found that most mail never goes through any type of security screening during its travel to you. In fact, the post office says many items never get screened at all.The United States Post Office handles more than 500 million pieces of mail every single day. They say they simply deal with too much mail to screen every package individually. So, how does the post office keep us safe with so much stuff traveling through the system? The USPS Postal Inspectors say it has a specific program called the Dangerous Mail Investigations Program, which takes over when suspicious packages come through a facility.Recognizing suspicious mail starts with post office employees, according to USPS’ Domestic Mail Manual. Each post office employee is specifically trained to notice packages that are out of place or look odd. They also have specialized technology in some facilities that sniffs out explosives or chemicals that are inside mail. The employees and technology don't catch everything, but the post office says they do catch suspicious items. USPS also says they rely on people also receiving the mail to be on the lookout for suspicious items.According to USPS, the appearance of mail bombs may vary greatly, here are some characteristics that have repeatedly shown up: 1908

It's Hispanic Heritage Month.Sites like Yelp and Nextdoor are encouraging people to support Hispanic-owned businesses in their communities.This week, Yelp launched a tag that allows businesses to mark themselves as Latinx-owned.Nextdoor is teaming up with the group We Are All Human to provide resources to Hispanic-owned small businesses. They'll also provide free advertising during the month.The U.S. Hispanic Chamber of Commerce represents more than 4 million Hispanic-owned businesses. It says Latino business owners have been hit particularly hard during the pandemic and need support.Many have limited relationships with banks and are in neighborhoods considered “challenging” to lend to. Many were left out of the Paycheck Protection Program.“In round one, we saw many Latino-owned businesses were really largely left out of those opportunities,” said Ramiro Cavazos, President of the U.S. Hispanic Chamber of Commerce. “Half of our businesses have banking relationships. If you did not have a bank relationship, many of them were shut out.”On average, Hispanic-owned businesses only have about 27 days’ worth of capital reserved. A quarter of them have had to close, at least temporarily, since the pandemic began.“Our Latino-owned businesses provide jobs for our community,” said Cavazos. “They also pay taxes and make investments in their community. And these businesses really are the lifeblood of consumer spending."According to a study by Stanford University, Latino-owned businesses contributed 0 billion to the U.S. economy in the past decade. 1570

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

It’s not always what you teach, but rather how you teach.And at the University of California, Irvine, lecturer Thomas Eppel, Ph.D. is helping educate others for the digitally driven world.“I spend more time, or at least as much time, teaching online as I do in a traditional face-to-face format,” he said.Eppel is talking about is UCI’s Digital Learning Lab at the Paul Merage School of Business, a full-on production studio designed for remote learning which was built before COVID-19 forced campuses to close.“I always say the Paul Merage School of Business was maybe the most prepared school, certainly here on campus, when the pandemic hit,” Eppel said.He believes the digital learning lab offers three distinct advantages to traditional learning: convenience, flexibility and mastery.“To be able to watch a video over and over again and until you truly master the material, I think is another huge advantage of online education,” Eppel said.It's an academic advantage students say has helped them prepare for life post pandemic.“In terms of COVID, I think it did mean we were better prepared for what was happening,” said Sarah Kutner, an MBA candidate at UCI.Kutner has taken online classes at other schools before but says the DLL is online learning at a higher level.“I think it definitely has moved our transition because we already did have some focus on how can digital technology augment our learning experience,” she said.With more colleges transitioning to remote learning, a lot of them are reaching out to leaders at UCI, looking at ways they can improve their digital learning experiences.“We’re also able to help our sister schools here at UCI along with the central campus,” said Natalie Blair, UCI’s director of digital learning.She says with more schools investing in this kind of education, her staff is committed to helping others.“We’re definitely leading and if you stop learning you stop leading,” Blair said. “So, we’re always iterating and improving our methods.”Blair added that even though more students are now learning from a distance, this technology means that they’re not learning alone. 2130

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