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WASHINGTON, D.C. – Tuesday is the last day for small businesses to apply for a loan through the Paycheck Protection Program.About 4.8 million businesses received a PPP loan, with a total of 9 billion lent out. But as of Tuesday, there's still more than 0 billion left in the pot.As to why that is, the Small Business and Entrepreneurship Council says there's a few reasons, like concerns over how much would actually be forgiven, constantly changing rules, and strict limits to how the money can be used.“Not all businesses are the same. So, you know you've got businesses with high overhead, maybe few on payroll,” said Karen Kerrigan, President and CEO of the SBE Council. “This program really didn't align with their needs.”Business owners and advocacy groups complain that the money in the PPP was not fully put to work because it created obstacles that stopped countless small businesses from applying.A report from a research group says the program’s shortcomings also made it more difficult for minority businesses to get loans.The owners of a Colorado brewery who got a PPP loan say it helped, but only goes so far."It didn't solve the problems. What it did was sustain us for a few more months."The SBE Council is working with lawmakers on both sides of the aisle for further policy solutions. They're pushing to broaden what expenses can be forgiven, especially when it comes to technology.Through a survey, the group found 87% of small businesses said they wouldn't have been able to survive without cloud-based services.“We know that consumers are on social media and technology platforms looking for new businesses, looking for new brands, looking for new things that they need, and that's where small businesses can really fill that gap,” said Kerrigan.The Small Business Administration says it will be up to Congress to decide what to do with leftover funds from the PPP. 1900

WASHINGTON (AP) — The Democratic-controlled House has approved a bill that would make the District of Columbia the 51st state, but the legislation faces strong opposition from Republicans.The House vote was prompted by the White House's move to use federal forces to clear peaceful protesters so President Donald Trump could walk to a nearby church for a photo op earlier this month.D.C. statehood is an issue that advocates say has become far more important in the aftermath of protests for racial justice in both Washington and across the nation.Democratic lawmakers say Congress has both the moral obligation and constitutional authority to ensure that the city’s 700,000 residents are allowed full voting rights, no longer subject to "taxation without representation."Del. Eleanor Holmes Norton, the district’s non-voting representative in Congress, sponsored the bill, saying it has both the facts and Constitution on its side.D.C.'s population is larger than those of Wyoming and Vermont, and its budget is larger than 12 states.Action on the bill in the GOP-controlled Senate is unlikely.If the measure was signed into law, the state of “Washington, Douglass Commonwealth” would be admitted into the U.S. and the new state would elect two U.S. senators and one U.S. representative. The seats would likely go to the Democrats, due to the community’s largely liberal population.The state would consist of all D.C. territory except federal buildings and monuments, including the principal federal monuments, the White House, the Capitol Building, the U.S. Supreme Court Building, and the federal executive, legislative, and judicial office buildings located adjacent to the Mall and the Capitol Building. 1716

We are now in the midst of Black Friday week (not day), during a topsy turvy pandemic year, when everything is upside down.So should you shop Wednesday night, Thanksgiving or Friday, the traditional big shopping day in malls?It all depends what you are looking for and where you prefer to shop.The big sale day will look very different this year, with almost all major retailers closed Thanksgiving night. No more day-long lines to grab a 65-inch TV at half price.But that makes timing Black Friday tough. So, we scanned the ads to find some of the key times for deals.All week long dealsBest Buy, Target, Amazon and Kohl's started their biggest sales last Sunday morning, but say they will add new deals on Thanksgiving Day, online.So, you should browse their ads and sites early and often.Wednesday night dealsAt Walmart, the key time to start shopping is Wednesday at 7 p.m., the night before Thanksgiving, this year.That's when Walmart's hottest deals go online, such 70-inch TVs for below 0.Note that its electronics deals are online only this year, not in-store.Thanksgiving Day dealsAt Kohl's, they will launch a virtual Black Friday sale at 11 p.m. Wednesday, which will run all day Thursday.While Kohl's may not always have lowest price, its bonus Kohl's Cash often makes their deal better than anyone else's on similar items.Best Buy started its sale last Sunday, but promises more items popping up Thursday.Friday dealsBlack Friday traditionalists will still want to shop Friday, either in store or online.If you want kitchen gadgets, like blenders, air fryers, and the new Instant pot Duo, Thursday and Friday will bring the biggest sales.Plus on Friday, you will be able to shop in store at Macy's, JC Penney, Target, Kohl's and more for home goods (though note that stores will be limiting crowds, so you may have to wait in the parking lot).Buy this the moment you find itBut from the doesn't that stink file, one item you should buy the instant you find it, never mind that it's not on sale.We're talking Microsoft's new XBox Series S, and Sony's new PlayStation 5, which have sold out instantly.The PS5 is now selling for as much as ,600 on eBay.The XBox is going for 0 to well over ,000. Doesn't that stink?If you see one at the list price of 9 at a store website, grab it.Walmart promises to put them online in limited batches starting Wednesday at 7 p.m., while Gamestop promises a few in each store early Friday morning.You can wait for clothing and toysFinally, if you are shopping for clothing or toys, don't worry. Prices usually drop around December 15, so you have plenty of time.That way, you don't waste your money.__________________________Don't Waste Your Money" is a registered trademark of Scripps Media, Inc. ("Scripps").Like" John Matarese Money on FacebookFollow John on Instagram @johnmataresemoneyFollow John on Twitter (@JohnMatarese)For more consumer news and money saving advice, go to www.dontwasteyourmoney.com 2973

WASHINGTON, D.C. – The federal eviction moratorium is set to expire Friday, putting millions of Americans at risk of being kicked out of their homes during the COVID-19 pandemic.The CARES Act provided certain protections from eviction and late fees due to nonpayment of rent for most tenants in federally subsidized or federally backed housing. However, those protections were only in effect from March 27 to July 24.When the moratorium ends, landlords can give tenants who haven’t paid rent 30 days’ notice and then begin filing eviction paperwork in late August.The Urban Institute estimates that the eviction moratorium applied to about 12.3 million of the 43.8 million rental units in the United States, or around 28%. If the protections are not extended, those 12.3 million renters could be at risk.So far, there aren’t any plans to extend the moratorium.However, The Washington Post reports that the House has passed legislation to create a 0 billion rental assistance fund, which would help renters at the lowest income levels for up to two years. The Senate hasn't acted on that bill. The Trump administration and Senate Republicans are hurrying to present a new coronavirus relief bill of their own before the end of the session, but it doesn’t yet appear to include protections for renters. Majority Leader Mitch McConnell is expected to roll out the GOP’s bill next week, The Post reports.The expiration of the eviction moratorium comes as communities across the U.S. see spikes in coronavirus cases, especially in the south and west. On Thursday, the number of COVID-19 cases in the country surpassed 4 million, according to Johns Hopkins University. 1673

WASHINGTON, D.C. – One of the most contentious battles in politics isn’t just the current battle for the White House, it’s also the upcoming battle over who could ultimately end up in the halls of Congress and state capitols everywhere, in a process called redistricting.“The basic idea underlying that system is that we should form a constituency with people who live near us,” said Charles Blahous, a senior research strategist at the Mercatus Center at George Mason University in Virginia.New district maps are created based on census population numbers every 10 years. Yet, those maps can end up getting distorted to favor one political party over another when gerrymandering comes in to play.“I think gerrymandering is of concern to most voters because it seems to violate the foundational principle of our representative system, which is that we are divided into districts geographically,” Blahous said.Geography is something gerrymandering throws out the window. Some of the unusual congressional district maps can end up looking like animals.There is Maryland’s Democratic 3rd district, which looks like a snake, stretching from Baltimore into counties south. There is also northern Ohio’s Republican 4th district, known as “the duck.”So, who designed these?“The Constitution gives the power to state legislatures to draw these maps,” Blahous said.Since politicians draw the maps, they can be skewed to favor a particular party or incumbent. However, they can also be used to favor people from a particular racial or ethnic group, who have often been under-represented in the halls of power, in order to comply with federal Voting Rights Act rules on representation.Still, there are now efforts to take the map drawing out of the hands of politicians.In Virginia, voters will decide this November whether an independent commission should be in charge of the process instead. There are other ideas emerging, too: like using artificial intelligence to make the maps.“It takes an enormous computer capacity, which was not there 30 years ago, and writing the programming to make that all happen is also not a trivial matter,” said political science professor Bruce Cain, director of the Bill Lane Center for the American West at Stanford University.Prof. Cain said he and a colleague, Prof. Wendy Tam Cho of the University of Illinois at Urbana-Champaign, believe an algorithm they’ve developed might be the best alternative for making fairer maps.“What you want to be able to do is take every plan and classify it and say, ‘yeah, this one's better for minorities, this one's better for compactness,’ but is there something that combines both of them?” he said.It is all part of the ongoing effort to make sure America’s representative democracy remains truly representative of the people. 2801

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