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"content": "\u003cp>Things were looking up for Jenn Thomas. In September, she bought her first home in Citrus Heights, which is a part of Sacramento County. And for a while, her hair salon was getting lots of clients and making “pretty good money.”\u003c/p>\n\u003cp>Then, a month ago today, county officials ordered all non-essential businesses to close in response to the COVID-19 pandemic. This included Thomas’ business.\u003c/p>\n\u003cp>As a single mother with two young children, Thomas says that not being able to cut hair has put her in a tough financial position. Cash is running out to make her mortgage payments and she can’t afford to put her children into day care to then look for work.\u003c/p>\n\u003cp>“I don’t want to lose my house,” Thomas, 40, said. “It scares me to death. My livelihood is in dire straits. When is this going to end?”\u003c/p>\n\u003cp>Thomas joins a growing segment of Californians who are frustrated, anxious and confused with the state’s current shelter-in-place order. Some want to know just how much longer they won’t be able to work. Others question the seriousness of the COVID-19 virus.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>In response to her growing fears, Thomas says she’ll be participating in a protest tomorrow at the state’s capitol, where hundreds are expected to show up — while promising to stay put in their cars — demanding that officials reopen the state’s businesses. Thomas also helps run a Facebook group called “Californians Against Excessive Quarantine,” which has over 5,000 members.\u003c/p>\n\u003cp>The Sacramento event coincides with a much larger debate occurring across the country. Last Wednesday, in Lansing, Michigan, thousands of protestors carrying Trump flags, and in some cases, firearms, rallied against the state’s Democratic governor, Gretchen Whitmer, whose most recent shelter-in-place order\u003ca href=\"https://www.nytimes.com/2020/04/18/us/politics/gretchen-whitmer-michigan-protests.html\" target=\"_blank\" rel=\"noopener noreferrer\">is one of the most restrictive in the country\u003c/a>.\u003c/p>\n\u003cp>At the same time, President Trump has provided tacit support for these protests in a series of tweets on Friday when the president posted “LIBERATE MINNESOTA,” as well as Michigan and Virginia.\u003c/p>\n\u003cfigure id=\"attachment_11813080\" class=\"wp-caption aligncenter\" style=\"max-width: 640px\">\u003cimg class=\"size-large wp-image-11813080\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/04/GettyImages-1210050168-1020x680.jpg\" alt=\"\" width=\"640\" height=\"427\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2020/04/GettyImages-1210050168-1020x680.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2020/04/GettyImages-1210050168-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2020/04/GettyImages-1210050168-800x533.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2020/04/GettyImages-1210050168-1920x1280.jpg 1920w\" sizes=\"(max-width: 640px) 100vw, 640px\">\u003cfigcaption class=\"wp-caption-text\">People take part in a protest for 'Michiganders Against Excessive Quarantine' at the Michigan State Capitol in Lansing, Michigan, on April 15, 2020. \u003ccite>(Jeff Kowalsky/Getty Images)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>While protesters with the most extreme views have been sucking up the media attention nationwide, a series of interviews with Californians critical of the restrictions shows that some in this movement carry a more nuanced view. All of the people KQED spoke to believed the threat of the coronavirus is real. Some of the people didn’t take issue with the initial order to shelter in place.\u003c/p>\n\u003cp>But with the restrictions easing the burden on the health care system, they are skeptical as to whether California should remain in complete shutdown.\u003c/p>\n\u003cp>In the interviews, one point of doubt comes from the comparison of deaths from the flu, heart disease and cancer. Are they any deadlier than the new virus?\u003c/p>\n\u003cp>From a numbers standpoint, cancer and heart disease together kills close to 1 million U.S. adults per year, making the country’s coronavirus deaths, a little over 40,000, so far, look small.\u003c/p>\n\u003cp>But it’s the uncertainty of COVID-19, experts say, that makes these comparisons not exactly appropriate. Dr. Anthony Fauci, director of the National Institute of Allergy and Infectious Diseases, \u003ca href=\"https://www.livescience.com/new-coronavirus-compare-with-flu.html\" target=\"_blank\" rel=\"noopener noreferrer\">addressed this in a January press conference\u003c/a>, saying that the year-to-year deaths from the flu, for example, can be predicted, whereas calculations for COVID-19 deaths are harder to determine.\u003c/p>\n\u003cp>And COVID-19 \u003ca href=\"https://www.cdc.gov/flu/about/burden/2018-2019.html\" target=\"_blank\" rel=\"noopener noreferrer\">has already killed more people\u003c/a> than the U.S. 2018-19 flu season.\u003c/p>\n\u003cp>But Thomas and others say that with the health care systems stabilized, more weight needs to be given to the economic hardship and desperation a complete shutdown is creating.\u003c/p>\n\u003cp>“We can’t just continue to keep closing things up and disrupting people’s lives where [COVID-19] is not affecting people like myself physically,” said Thomas. \u003cspan style=\"font-weight: 400\">[aside tag='covid-19' label='More Coronavirus Coverage']\u003c/span>\u003c/p>\n\u003cp>Thomas rents a small, 139-square-foot office space for her salon, and she is the only employee. She said that if she were to reopen, she would be happy to wear personal protective equipment while cutting hair.\u003c/p>\n\u003cp>Which leads to the next question: Health experts said hospitals would be overloaded with COVID-19 patients. Has this actually happened in California?\u003c/p>\n\u003cp>Manav Dutta, who also helps run “Californians Against Excessive Quarantine,” was taking precautions in response to the growing coronavirus threat. He maintained social distance and washed his hands regularly. But on March 19, the governor enacted a shelter-in-place order. Then, municipalities across the state started shutting down parks and beaches. And like Thomas, Dutta is concerned that these measures don’t take into account the need for people to make money.\u003c/p>\n\u003cp>Dutta, a software engineer at the Georgia-based Movius, said that fears over the country’s health care system being overrun are “unfounded.”\u003c/p>\n\u003cp>He’s partially right. As the COVID-19 threat started to grow in March, hospitals started canceling elective surgeries to free up beds for a potential surge. That left UCSF Medical Center \u003ca href=\"https://www.kqed.org/science/1962104/thousands-of-bay-area-patients-wait-for-surgery-while-hospitals-brace-for-coronavirus-surge\" target=\"_blank\" rel=\"noopener noreferrer\">with hundreds of unused beds not filled by coronavirus patients\u003c/a>.\u003c/p>\n\u003cp>In addition, the Navy hospital ship docked in Los Angeles \u003ca href=\"https://abcnews.go.com/Health/wireStory/navy-hospital-ship-los-angeles-scale-back-mission-70174804\" target=\"_blank\" rel=\"noopener noreferrer\">may scale back its operations\u003c/a> since hospitals in the region are stable.\u003c/p>\n\u003cp>But that doesn’t mean a surge won’t still happen.\u003c/p>\n\u003cp>At a press conference in the beginning of April, Gov. Gavin Newsom \u003ca href=\"https://www.usnews.com/news/best-states/california/articles/2020-04-06/california-governor-sticking-with-mid-may-as-covid-19-peak\" target=\"_blank\" rel=\"noopener noreferrer\">said the state should expect to see a hospital surge\u003c/a> in mid-May. And a recent study by the UC Berkeley School of Public Health and Kaiser Permanente found that COVID-19 patients who stay in the hospital for the long term \u003ca href=\"https://www.mercurynews.com/2020/04/17/california-hospitals-warned-to-brace-for-surge-if-social-distancing-measures-lifted/\" target=\"_blank\" rel=\"noopener noreferrer\">could overwhelm the state’s health care infrastructure\u003c/a>, especially if shelter-in-place orders are prematurely lifted.\u003c/p>\n\u003cp>Dutta hopes that if there are to be more protests in California, it is done in a “cordial” manner and without the more “concerning” elements of the Michigan protest, like people getting out of their cars.\u003c/p>\n\u003cp>At a press conference yesterday about homelessness and COVID-19, Newsom said that if people are to protest the shelter-in-place order, they should do so “safely” and make sure they’re “not infecting others,” since the virus has “doesn’t know political ideologies.”\u003c/p>\n\u003cp>But Newsom also provided a staunch warning about the state of COVID-19 in California, and the fact that 87 people had died the night before from the virus, the highest the state has seen since the pandemic started.\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n\u003cp>“Those who think we’re out of the woods,” he said, “I caution you on the basis of that 87 number.”\u003c/p>\n\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>In response to her growing fears, Thomas says she’ll be participating in a protest tomorrow at the state’s capitol, where hundreds are expected to show up — while promising to stay put in their cars — demanding that officials reopen the state’s businesses. Thomas also helps run a Facebook group called “Californians Against Excessive Quarantine,” which has over 5,000 members.\u003c/p>\n\u003cp>The Sacramento event coincides with a much larger debate occurring across the country. Last Wednesday, in Lansing, Michigan, thousands of protestors carrying Trump flags, and in some cases, firearms, rallied against the state’s Democratic governor, Gretchen Whitmer, whose most recent shelter-in-place order\u003ca href=\"https://www.nytimes.com/2020/04/18/us/politics/gretchen-whitmer-michigan-protests.html\" target=\"_blank\" rel=\"noopener noreferrer\">is one of the most restrictive in the country\u003c/a>.\u003c/p>\n\u003cp>At the same time, President Trump has provided tacit support for these protests in a series of tweets on Friday when the president posted “LIBERATE MINNESOTA,” as well as Michigan and Virginia.\u003c/p>\n\u003cfigure id=\"attachment_11813080\" class=\"wp-caption aligncenter\" style=\"max-width: 640px\">\u003cimg class=\"size-large wp-image-11813080\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/04/GettyImages-1210050168-1020x680.jpg\" alt=\"\" width=\"640\" height=\"427\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2020/04/GettyImages-1210050168-1020x680.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2020/04/GettyImages-1210050168-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2020/04/GettyImages-1210050168-800x533.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2020/04/GettyImages-1210050168-1920x1280.jpg 1920w\" sizes=\"(max-width: 640px) 100vw, 640px\">\u003cfigcaption class=\"wp-caption-text\">People take part in a protest for 'Michiganders Against Excessive Quarantine' at the Michigan State Capitol in Lansing, Michigan, on April 15, 2020. \u003ccite>(Jeff Kowalsky/Getty Images)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>While protesters with the most extreme views have been sucking up the media attention nationwide, a series of interviews with Californians critical of the restrictions shows that some in this movement carry a more nuanced view. All of the people KQED spoke to believed the threat of the coronavirus is real. Some of the people didn’t take issue with the initial order to shelter in place.\u003c/p>\n\u003cp>But with the restrictions easing the burden on the health care system, they are skeptical as to whether California should remain in complete shutdown.\u003c/p>\n\u003cp>In the interviews, one point of doubt comes from the comparison of deaths from the flu, heart disease and cancer. Are they any deadlier than the new virus?\u003c/p>\n\u003cp>From a numbers standpoint, cancer and heart disease together kills close to 1 million U.S. adults per year, making the country’s coronavirus deaths, a little over 40,000, so far, look small.\u003c/p>\n\u003cp>But it’s the uncertainty of COVID-19, experts say, that makes these comparisons not exactly appropriate. Dr. Anthony Fauci, director of the National Institute of Allergy and Infectious Diseases, \u003ca href=\"https://www.livescience.com/new-coronavirus-compare-with-flu.html\" target=\"_blank\" rel=\"noopener noreferrer\">addressed this in a January press conference\u003c/a>, saying that the year-to-year deaths from the flu, for example, can be predicted, whereas calculations for COVID-19 deaths are harder to determine.\u003c/p>\n\u003cp>And COVID-19 \u003ca href=\"https://www.cdc.gov/flu/about/burden/2018-2019.html\" target=\"_blank\" rel=\"noopener noreferrer\">has already killed more people\u003c/a> than the U.S. 2018-19 flu season.\u003c/p>\n\u003cp>But Thomas and others say that with the health care systems stabilized, more weight needs to be given to the economic hardship and desperation a complete shutdown is creating.\u003c/p>\n\u003cp>“We can’t just continue to keep closing things up and disrupting people’s lives where [COVID-19] is not affecting people like myself physically,” said Thomas. \u003cspan style=\"font-weight: 400\">\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/span>\u003c/p>\n\u003cp>Thomas rents a small, 139-square-foot office space for her salon, and she is the only employee. She said that if she were to reopen, she would be happy to wear personal protective equipment while cutting hair.\u003c/p>\n\u003cp>Which leads to the next question: Health experts said hospitals would be overloaded with COVID-19 patients. Has this actually happened in California?\u003c/p>\n\u003cp>Manav Dutta, who also helps run “Californians Against Excessive Quarantine,” was taking precautions in response to the growing coronavirus threat. He maintained social distance and washed his hands regularly. But on March 19, the governor enacted a shelter-in-place order. Then, municipalities across the state started shutting down parks and beaches. And like Thomas, Dutta is concerned that these measures don’t take into account the need for people to make money.\u003c/p>\n\u003cp>Dutta, a software engineer at the Georgia-based Movius, said that fears over the country’s health care system being overrun are “unfounded.”\u003c/p>\n\u003cp>He’s partially right. As the COVID-19 threat started to grow in March, hospitals started canceling elective surgeries to free up beds for a potential surge. That left UCSF Medical Center \u003ca href=\"https://www.kqed.org/science/1962104/thousands-of-bay-area-patients-wait-for-surgery-while-hospitals-brace-for-coronavirus-surge\" target=\"_blank\" rel=\"noopener noreferrer\">with hundreds of unused beds not filled by coronavirus patients\u003c/a>.\u003c/p>\n\u003cp>In addition, the Navy hospital ship docked in Los Angeles \u003ca href=\"https://abcnews.go.com/Health/wireStory/navy-hospital-ship-los-angeles-scale-back-mission-70174804\" target=\"_blank\" rel=\"noopener noreferrer\">may scale back its operations\u003c/a> since hospitals in the region are stable.\u003c/p>\n\u003cp>But that doesn’t mean a surge won’t still happen.\u003c/p>\n\u003cp>At a press conference in the beginning of April, Gov. Gavin Newsom \u003ca href=\"https://www.usnews.com/news/best-states/california/articles/2020-04-06/california-governor-sticking-with-mid-may-as-covid-19-peak\" target=\"_blank\" rel=\"noopener noreferrer\">said the state should expect to see a hospital surge\u003c/a> in mid-May. And a recent study by the UC Berkeley School of Public Health and Kaiser Permanente found that COVID-19 patients who stay in the hospital for the long term \u003ca href=\"https://www.mercurynews.com/2020/04/17/california-hospitals-warned-to-brace-for-surge-if-social-distancing-measures-lifted/\" target=\"_blank\" rel=\"noopener noreferrer\">could overwhelm the state’s health care infrastructure\u003c/a>, especially if shelter-in-place orders are prematurely lifted.\u003c/p>\n\u003cp>Dutta hopes that if there are to be more protests in California, it is done in a “cordial” manner and without the more “concerning” elements of the Michigan protest, like people getting out of their cars.\u003c/p>\n\u003cp>At a press conference yesterday about homelessness and COVID-19, Newsom said that if people are to protest the shelter-in-place order, they should do so “safely” and make sure they’re “not infecting others,” since the virus has “doesn’t know political ideologies.”\u003c/p>\n\u003cp>But Newsom also provided a staunch warning about the state of COVID-19 in California, and the fact that 87 people had died the night before from the virus, the highest the state has seen since the pandemic started.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>“Those who think we’re out of the woods,” he said, “I caution you on the basis of that 87 number.”\u003c/p>\n\n\u003c/div>\u003c/p>",
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"disqusTitle": "California’s Unemployment Rate Soars, But Worst Yet to Come",
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"content": "\u003cp>California lost nearly 100,000 jobs in March, state officials announced Friday, signaling a sudden end to a record 10-year streak of growth because of a coronavirus outbreak that has shuttered nonessential businesses and overwhelmed the state’s unemployment office.\u003c/p>\n\u003cp>The unemployment rate in the nation’s most populous state was 5.3% in March — a 1.4 percentage point increase that is the largest jump on record since 1976, when state officials began using the current formula for tracking job losses.\u003c/p>\n\u003cp>“We are now in a pandemic-induced recession here in the state of California,” Gov. Gavin Newsom said.\u003c/p>\n\u003cp>Still, the numbers are just a glimpse of the pain people are already suffering. The job losses were based on a survey taken the week that included March 12. That was one day after the NBA suspended its season and Newsom banned gatherings of more than 250 people, prompting the closure of Disneyland and other iconic attractions.\u003c/p>\n\u003cp>Most of the state’s job losses occurred after that date, accelerating once Newsom issued a mandatory stay-at-home order on March 19. On Friday, Newsom announced 3.1 million people have filed for unemployment benefits since mid-March.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>When the April job numbers are released next month, it’s likely California’s unemployment rate will be well over 12.5% — the highest it ever got during the Great Recession, according to Michael Bernick, an attorney at the Duane Morris law firm and the former director of the state Employment Development Department.\u003c/p>\n\u003cp>“These numbers indicate only a small part of the devastation,” Bernick said.\u003c/p>\n\u003cp>California posted job losses in six of the state’s 11 industry sectors. More than 67% of the losses — or 67,200 jobs — came in the leisure and hospitality industry, which includes restaurants. But the National Restaurant Association said a survey of its California members shows job losses of 560,000 in the first three weeks of March. \u003cspan style=\"font-weight: 400\">[pullquote size='large' align='right' citation='Zachary Davis, Co-Owner of The Penny Ice Creamery']'It was surreal, calling every single employee and saying we’re not going to be open.'[/pullquote]\u003c/span>\u003c/p>\n\u003cp>In Santa Cruz, Zachary Davis and Kendra Baker opened an artisanal ice cream shop 10 years ago using federal stimulus funds following the Great Recession. They became local celebrities early on when then-Vice President Joe Biden made a thank-you call to their shop, The Penny Ice Creamery, after they had posted a YouTube video praising the economic stimulus act that provided their startup loan.\u003c/p>\n\u003cp>Their success steadily grew, they opened a second ice cream parlor, a beachside cafe and a taco bar. But when Santa Cruz County public health officials issued a shelter-in-place order on March 16, Davis and Baker laid off 70 workers.\u003c/p>\n\u003cp>“It was surreal, calling every single employee and saying we’re not going to be open. We don’t have a place for you to come to work, and we don’t know when that will change,” Davis said. “We knew the best thing we could do for them was allow them to file for unemployment.”\u003c/p>\n\u003cp>They are still doing small-scale takeout that pulls in about 17% of their normal revenue, but it’s not enough to pay the rent and salaries of a skeletal staff they have kept on. They are going into credit card debt, drawing down on limited savings.\u003c/p>\n\u003cp>Newsom announced Friday he tapped billionaire businessman and former Democratic presidential candidate Tom Steyer as an unpaid adviser for “business and jobs recovery.” Newsom also announced a task force that includes former Federal Reserve Chairwoman Janet Yellen, Disney board chair Bob Iger, Apple CEO Tim Cook and International Longshore Workers Union President Willie Adams, among others.\u003c/p>\n\u003cp>Friday’s jobs report marks the end of a historic run of growth in the Golden State. Since 2010, California added more than 3.4 million jobs, accounting for 15% of the nation’s job growth as it emerged from the Great Recession.\u003c/p>\n\u003cp>But with remarkable speed, California is now leading in the opposite direction. Its unemployment claims since mid-March account for 14% of the nation’s total, said Sung Won Sohn, a business economist at Loyola Marymount University.\u003c/p>\n\u003cp>“Unemployment is in a free fall, and no bottom is yet in sight,” he said.\u003c/p>\n\u003cp>However, Sohn said there is hope California could be in a better position to weather this downturn because of the state’s dominance in the technology industry, which has seen record demand for streaming services and remote work applications. \u003cspan style=\"font-weight: 400\">[aside tag='coronavirus' label='More Coronavirus Coverage']\u003c/span>\u003c/p>\n\u003cp>But others aren’t so optimistic. The speed of job losses is unlike anything that California — the world’s fifth-largest economy — has ever seen. The government will likely lift stay-at-home restrictions gradually, meaning spooked consumers and employers will be slow to re-engage.\u003c/p>\n\u003cp>“That’s what worries me,” Bernick said. “We’re going to have to be very innovative on how we get out of this.”\u003c/p>\n\u003cp>Davis has always thought of himself and his business partner as embodying the definition of entrepreneurs, with no experience in business but “optimism and the belief that you can figure anything out that you put your mind to.”\u003c/p>\n\u003cp>His optimism is fading.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>“There are days when I think we’re not going to make it,” said Davis, who is married with three small children. “What kind of position am I putting my family in if I’m digging us into a hole that I can’t get out of?”\u003c/p>\n\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/span>\u003c/p>\n\u003cp>In Santa Cruz, Zachary Davis and Kendra Baker opened an artisanal ice cream shop 10 years ago using federal stimulus funds following the Great Recession. They became local celebrities early on when then-Vice President Joe Biden made a thank-you call to their shop, The Penny Ice Creamery, after they had posted a YouTube video praising the economic stimulus act that provided their startup loan.\u003c/p>\n\u003cp>Their success steadily grew, they opened a second ice cream parlor, a beachside cafe and a taco bar. But when Santa Cruz County public health officials issued a shelter-in-place order on March 16, Davis and Baker laid off 70 workers.\u003c/p>\n\u003cp>“It was surreal, calling every single employee and saying we’re not going to be open. We don’t have a place for you to come to work, and we don’t know when that will change,” Davis said. “We knew the best thing we could do for them was allow them to file for unemployment.”\u003c/p>\n\u003cp>They are still doing small-scale takeout that pulls in about 17% of their normal revenue, but it’s not enough to pay the rent and salaries of a skeletal staff they have kept on. They are going into credit card debt, drawing down on limited savings.\u003c/p>\n\u003cp>Newsom announced Friday he tapped billionaire businessman and former Democratic presidential candidate Tom Steyer as an unpaid adviser for “business and jobs recovery.” Newsom also announced a task force that includes former Federal Reserve Chairwoman Janet Yellen, Disney board chair Bob Iger, Apple CEO Tim Cook and International Longshore Workers Union President Willie Adams, among others.\u003c/p>\n\u003cp>Friday’s jobs report marks the end of a historic run of growth in the Golden State. Since 2010, California added more than 3.4 million jobs, accounting for 15% of the nation’s job growth as it emerged from the Great Recession.\u003c/p>\n\u003cp>But with remarkable speed, California is now leading in the opposite direction. Its unemployment claims since mid-March account for 14% of the nation’s total, said Sung Won Sohn, a business economist at Loyola Marymount University.\u003c/p>\n\u003cp>“Unemployment is in a free fall, and no bottom is yet in sight,” he said.\u003c/p>\n\u003cp>However, Sohn said there is hope California could be in a better position to weather this downturn because of the state’s dominance in the technology industry, which has seen record demand for streaming services and remote work applications. \u003cspan style=\"font-weight: 400\">\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/span>\u003c/p>\n\u003cp>But others aren’t so optimistic. The speed of job losses is unlike anything that California — the world’s fifth-largest economy — has ever seen. The government will likely lift stay-at-home restrictions gradually, meaning spooked consumers and employers will be slow to re-engage.\u003c/p>\n\u003cp>“That’s what worries me,” Bernick said. “We’re going to have to be very innovative on how we get out of this.”\u003c/p>\n\u003cp>Davis has always thought of himself and his business partner as embodying the definition of entrepreneurs, with no experience in business but “optimism and the belief that you can figure anything out that you put your mind to.”\u003c/p>\n\u003cp>His optimism is fading.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>“There are days when I think we’re not going to make it,” said Davis, who is married with three small children. “What kind of position am I putting my family in if I’m digging us into a hole that I can’t get out of?”\u003c/p>\n\n\u003c/div>\u003c/p>",
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"content": "\u003cp>\u003cb>US Rep. Ro Khanna\u003c/b>\u003cbr>\n\u003cspan style=\"font-weight: 400\">On Wednesday, millions of Americans received economic impact payments in their bank accounts — up to $1200 per person. Also this week, another five million people filed for unemployment. Altogether, 22 million Americans have lost their jobs due to the coronavirus. Economists don’t yet know how long or deep the recession will be. Several legislators say Americans need some sort of ongoing financial relief. \u003c/span>\u003c/p>\n\u003cp>\u003cb>Guest:\u003c/b>\u003c/p>\n\u003cul>\n\u003cli style=\"font-weight: 400\">\u003cspan style=\"font-weight: 400\">U.S. Rep. Ro Khanna, D-Santa Clara\u003c/span>\u003c/li>\n\u003c/ul>\n\u003cp>\u003cb>San Francisco Economic Forecast\u003c/b>\u003cbr>\n\u003cspan style=\"font-weight: 400\">This week, San Francisco shared new economic data with current and future impacts from COVID-19 on the city. Immediate losses include hotel, sales, parking and transfer taxes. In the long-term, there will be losses from property and business taxes. Just how hard will the city be hit by this economic downturn? We’ll \u003c/span>\u003cspan style=\"font-weight: 400\">discuss new revenue predictions from San Francisco’s chief economist, with a focus on the city’s massive tourism industry.\u003c/span>\u003c/p>\n\u003cp>\u003cb>Guests:\u003c/b>\u003c/p>\n\u003cul>\n\u003cli style=\"font-weight: 400\">\u003cspan style=\"font-weight: 400\">Ted Egan, San Francisco chief economist\u003c/span>\u003c/li>\n\u003cli style=\"font-weight: 400\">\u003cspan style=\"font-weight: 400\">Joe D’Alessandro, CEO, San Francisco Travel Association\u003c/span>\u003c/li>\n\u003c/ul>\n\u003cp>\u003cb>Pet Adoption Surge\u003c/b>\u003cbr>\n\u003cspan style=\"font-weight: 400\">Many people stuck at home have decided that now is the perfect time to adopt a pet. So many, in fact, that shelters have reported record numbers of people looking to adopt or foster animals. But as the financial impacts of COVID-19 settle in, shelters are also taking in a high volume of abandoned animals.\u003c/span>\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\u003cb>Guest:\u003c/b>\u003c/p>\n\u003cul>\n\u003cli style=\"font-weight: 400\">\u003cspan style=\"font-weight: 400\">Ilsa Jule, executive director, Family Dog Rescue\u003c/span>\u003c/li>\n\u003c/ul>\n\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>\u003cb>US Rep. Ro Khanna\u003c/b>\u003cbr>\n\u003cspan style=\"font-weight: 400\">On Wednesday, millions of Americans received economic impact payments in their bank accounts — up to $1200 per person. Also this week, another five million people filed for unemployment. Altogether, 22 million Americans have lost their jobs due to the coronavirus. Economists don’t yet know how long or deep the recession will be. Several legislators say Americans need some sort of ongoing financial relief. \u003c/span>\u003c/p>\n\u003cp>\u003cb>Guest:\u003c/b>\u003c/p>\n\u003cul>\n\u003cli style=\"font-weight: 400\">\u003cspan style=\"font-weight: 400\">U.S. Rep. Ro Khanna, D-Santa Clara\u003c/span>\u003c/li>\n\u003c/ul>\n\u003cp>\u003cb>San Francisco Economic Forecast\u003c/b>\u003cbr>\n\u003cspan style=\"font-weight: 400\">This week, San Francisco shared new economic data with current and future impacts from COVID-19 on the city. Immediate losses include hotel, sales, parking and transfer taxes. In the long-term, there will be losses from property and business taxes. Just how hard will the city be hit by this economic downturn? We’ll \u003c/span>\u003cspan style=\"font-weight: 400\">discuss new revenue predictions from San Francisco’s chief economist, with a focus on the city’s massive tourism industry.\u003c/span>\u003c/p>\n\u003cp>\u003cb>Guests:\u003c/b>\u003c/p>\n\u003cul>\n\u003cli style=\"font-weight: 400\">\u003cspan style=\"font-weight: 400\">Ted Egan, San Francisco chief economist\u003c/span>\u003c/li>\n\u003cli style=\"font-weight: 400\">\u003cspan style=\"font-weight: 400\">Joe D’Alessandro, CEO, San Francisco Travel Association\u003c/span>\u003c/li>\n\u003c/ul>\n\u003cp>\u003cb>Pet Adoption Surge\u003c/b>\u003cbr>\n\u003cspan style=\"font-weight: 400\">Many people stuck at home have decided that now is the perfect time to adopt a pet. So many, in fact, that shelters have reported record numbers of people looking to adopt or foster animals. But as the financial impacts of COVID-19 settle in, shelters are also taking in a high volume of abandoned animals.\u003c/span>\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"disqusTitle": "More 'Peace of Mind' for Undocumented Californians, Still May Not Be Enough",
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"content": "\u003cp>Aurelio, a 41-year-old undocumented Oakland resident, has worked for 15 years as a server at a hotel. But a month ago, as California’s stay-at-home order pushed Aurelio’s employer and thousands of other businesses to close, he was furloughed with no pay.\u003c/p>\n\u003cp>The father of three kids hasn’t earned any income since. His family is relying on food pantries to get by, and won’t have the money to pay bills or rent, he said.\u003c/p>\n\u003cp>“I have faith that the economy will recover,” said Aurelio. “For now, I have hope that someone will help us make ends meet.”\u003c/p>\n\u003cp>That hope came closer to reality Wednesday, when Gov. Gavin Newsom \u003ca href=\"https://www.gov.ca.gov/2020/04/15/governor-newsom-announces-new-initiatives-to-support-california-workers-impacted-by-covid-19/\" target=\"_blank\" rel=\"noopener noreferrer\">announced that the state\u003c/a> is providing an unprecedented $75 million in cash payments to undocumented adults impacted by the COVID-19 pandemic.\u003c/p>\n\u003cp>Starting next month, undocumented Californians will be able to apply for a one-time emergency grant of $500 dollars per adult, with a cap of $1,000 per household.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>The Disaster Relief Fund, which will be distributed through nonprofits, is expected to help roughly 150,000 people left out of unemployment insurance benefits and federal stimulus aid because of their immigration status.\u003c/p>\n\u003cp>“Every Californian, including our undocumented neighbors and friends, should know that California is here to support them during this crisis,” said Newsom in a statement. “We are all in this together.”\u003c/p>\n\u003cp>The governor also announced a network of private foundations, Grantmakers Concerned with Immigrants and Refugees (GCIR), an immigrant-focused philanthropy organization is\u003ca href=\"http://www.immigrantfundCA.org\" target=\"_blank\" rel=\"noopener noreferrer\"> raising\u003c/a> $50 million dollars to provide financial assistance to struggling unauthorized immigrants in the state.\u003c/p>\n\u003cp>An estimated 1.5 to nearly 2 million workers in California are undocumented, and many work in industries hard hit by shelter-in-place orders, such as leisure and hospitality.\u003c/p>\n\u003cp>A coalition of more than 120 immigrant and workers rights advocates \u003ca href=\"https://legalaidatwork.org/releases/undocumented_workers_fund/\" target=\"_blank\" rel=\"noopener noreferrer\">applauded\u003c/a> Newsom’s initiative as a “crucial stopgap for the survival of many immigrant families.” But they also said it won’t be enough to cover everyone who needs help.\u003c/p>\n\u003cp>“We need to do a lot more,” said Kim Ouillette, an attorney at Legal Aid at Work, a member of the Safety Net for All coalition. “A single one-time payment of $500 that's only going to be available for some portion of the workforce is not going to solve the problem that a huge portion of the undocumented workforce is out of work and has no means of support.”\u003c/p>\n\u003cp>In a \u003ca href=\"https://legalaidatwork.org/wp-content/uploads/2020/04/Undocumented-Workers-Advocacy-Letter.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">letter\u003c/a>, the coalition called on Newsom to establish a fund that provides weekly payments of $600 to jobless undocumented immigrants until the emergency proclamation is lifted. The proposal is supported by the \u003ca href=\"https://twitter.com/LatinoCaucus/status/1244768784272863233/photo/1\" target=\"_blank\" rel=\"noopener noreferrer\">Latino\u003c/a> and Asian Pacific Islander Legislative Caucuses.\u003c/p>\n\u003cp>https://twitter.com/LatinoCaucus/status/1244768784272863233\u003c/p>\n\u003cp>Aurelio, the undocumented server in Oakland, has applied for cash assistance from \u003ca href=\"https://onefairwage.com/\" target=\"_blank\" rel=\"noopener noreferrer\">One Fair Wage\u003c/a>, which offers $213 for restaurant and other service workers impacted by the pandemic.\u003c/p>\n\u003cp>One Fair Wage has distributed more than $1 million and received 143,000 applications for relief nationwide, including more than 15,000 applications from California, said Saru Jayaraman, the organization’s president.\u003c/p>\n\u003cp>She called California’s plan to provide checks to undocumented immigrants “a huge step forward.”\u003c/p>\n\u003cp>“But even with our $213 and California's $500, this will not be enough for families to live on,” said Jayaraman. “We need universal unemployment insurance… and living wages when workers go back to work, so that they are in a better situation the next time a crisis occurs.” [aside tag=\"coronavirus, immigration\" label=\"More Coronavirus Coverage\"]\u003c/p>\n\u003cp>Aurelio, a dad to two U.S. citizen daughters, said he intends to apply for the state’s cash assistance.\u003c/p>\n\u003cp>“For me, as an undocumented person, it gives me more confidence and peace of mind to know that California cares about us,\" Aurelio said. \"Even though the federal government doesn’t care we contribute.”\u003c/p>\n\u003cp>Unauthorized immigrants in California collectively pay about $3 billion in state and local taxes each year, according to the nonprofit Institute on Taxation and Economic Policy.\u003c/p>\n\u003cp>To be eligible for aid from the Disaster Relief Fund, undocumented adults must have experienced hardship as a result of COVID-19 and not be eligible for federal emergency help.\u003c/p>\n\u003cp>The list of nonprofits that will screen applicants and provide them with checks will be available in May, said Scott Murray, a spokesman with the California Department of Social Services.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>The state has put together a \u003ca href=\"https://covid19.ca.gov/guide-immigrant-californians/\" target=\"_blank\" rel=\"noopener noreferrer\">guide\u003c/a> for immigrants in California with information about assistance related to COVID-19, including public benefits.\u003c/p>\n\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>Aurelio, a 41-year-old undocumented Oakland resident, has worked for 15 years as a server at a hotel. But a month ago, as California’s stay-at-home order pushed Aurelio’s employer and thousands of other businesses to close, he was furloughed with no pay.\u003c/p>\n\u003cp>The father of three kids hasn’t earned any income since. His family is relying on food pantries to get by, and won’t have the money to pay bills or rent, he said.\u003c/p>\n\u003cp>“I have faith that the economy will recover,” said Aurelio. “For now, I have hope that someone will help us make ends meet.”\u003c/p>\n\u003cp>That hope came closer to reality Wednesday, when Gov. Gavin Newsom \u003ca href=\"https://www.gov.ca.gov/2020/04/15/governor-newsom-announces-new-initiatives-to-support-california-workers-impacted-by-covid-19/\" target=\"_blank\" rel=\"noopener noreferrer\">announced that the state\u003c/a> is providing an unprecedented $75 million in cash payments to undocumented adults impacted by the COVID-19 pandemic.\u003c/p>\n\u003cp>Starting next month, undocumented Californians will be able to apply for a one-time emergency grant of $500 dollars per adult, with a cap of $1,000 per household.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>The Disaster Relief Fund, which will be distributed through nonprofits, is expected to help roughly 150,000 people left out of unemployment insurance benefits and federal stimulus aid because of their immigration status.\u003c/p>\n\u003cp>“Every Californian, including our undocumented neighbors and friends, should know that California is here to support them during this crisis,” said Newsom in a statement. “We are all in this together.”\u003c/p>\n\u003cp>The governor also announced a network of private foundations, Grantmakers Concerned with Immigrants and Refugees (GCIR), an immigrant-focused philanthropy organization is\u003ca href=\"http://www.immigrantfundCA.org\" target=\"_blank\" rel=\"noopener noreferrer\"> raising\u003c/a> $50 million dollars to provide financial assistance to struggling unauthorized immigrants in the state.\u003c/p>\n\u003cp>An estimated 1.5 to nearly 2 million workers in California are undocumented, and many work in industries hard hit by shelter-in-place orders, such as leisure and hospitality.\u003c/p>\n\u003cp>A coalition of more than 120 immigrant and workers rights advocates \u003ca href=\"https://legalaidatwork.org/releases/undocumented_workers_fund/\" target=\"_blank\" rel=\"noopener noreferrer\">applauded\u003c/a> Newsom’s initiative as a “crucial stopgap for the survival of many immigrant families.” But they also said it won’t be enough to cover everyone who needs help.\u003c/p>\n\u003cp>“We need to do a lot more,” said Kim Ouillette, an attorney at Legal Aid at Work, a member of the Safety Net for All coalition. “A single one-time payment of $500 that's only going to be available for some portion of the workforce is not going to solve the problem that a huge portion of the undocumented workforce is out of work and has no means of support.”\u003c/p>\n\u003cp>In a \u003ca href=\"https://legalaidatwork.org/wp-content/uploads/2020/04/Undocumented-Workers-Advocacy-Letter.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">letter\u003c/a>, the coalition called on Newsom to establish a fund that provides weekly payments of $600 to jobless undocumented immigrants until the emergency proclamation is lifted. The proposal is supported by the \u003ca href=\"https://twitter.com/LatinoCaucus/status/1244768784272863233/photo/1\" target=\"_blank\" rel=\"noopener noreferrer\">Latino\u003c/a> and Asian Pacific Islander Legislative Caucuses.\u003c/p>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\n\u003cp>Aurelio, the undocumented server in Oakland, has applied for cash assistance from \u003ca href=\"https://onefairwage.com/\" target=\"_blank\" rel=\"noopener noreferrer\">One Fair Wage\u003c/a>, which offers $213 for restaurant and other service workers impacted by the pandemic.\u003c/p>\n\u003cp>One Fair Wage has distributed more than $1 million and received 143,000 applications for relief nationwide, including more than 15,000 applications from California, said Saru Jayaraman, the organization’s president.\u003c/p>\n\u003cp>She called California’s plan to provide checks to undocumented immigrants “a huge step forward.”\u003c/p>\n\u003cp>“But even with our $213 and California's $500, this will not be enough for families to live on,” said Jayaraman. “We need universal unemployment insurance… and living wages when workers go back to work, so that they are in a better situation the next time a crisis occurs.” \u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Aurelio, a dad to two U.S. citizen daughters, said he intends to apply for the state’s cash assistance.\u003c/p>\n\u003cp>“For me, as an undocumented person, it gives me more confidence and peace of mind to know that California cares about us,\" Aurelio said. \"Even though the federal government doesn’t care we contribute.”\u003c/p>\n\u003cp>Unauthorized immigrants in California collectively pay about $3 billion in state and local taxes each year, according to the nonprofit Institute on Taxation and Economic Policy.\u003c/p>\n\u003cp>To be eligible for aid from the Disaster Relief Fund, undocumented adults must have experienced hardship as a result of COVID-19 and not be eligible for federal emergency help.\u003c/p>\n\u003cp>The list of nonprofits that will screen applicants and provide them with checks will be available in May, said Scott Murray, a spokesman with the California Department of Social Services.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>The state has put together a \u003ca href=\"https://covid19.ca.gov/guide-immigrant-californians/\" target=\"_blank\" rel=\"noopener noreferrer\">guide\u003c/a> for immigrants in California with information about assistance related to COVID-19, including public benefits.\u003c/p>\n\n\u003c/div>\u003c/p>",
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"disqusTitle": "Over 40% of California's Workers Face Unemployment Risk, New Study Finds",
"title": "Over 40% of California's Workers Face Unemployment Risk, New Study Finds",
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"content": "\u003cp>More than 40% of California's workforce — many of whom were already in precarious financial positions — are at high risk of unemployment due to the coronavirus pandemic.\u003c/p>\n\u003cp>That's according to a \u003ca href=\"https://economicrt.org/publication/in-harms-way/\">new report\u003c/a> from the Economic Roundtable, a Los Angeles-based nonprofit group that profiled the state's workforce using federal census and economic data.\u003c/p>\n\u003cp>The report underscores that the burden of unemployment is \"unequally distributed,\" resting most heavily on \"young adults, Latinos and workers in restaurant, hotel, personal care and janitorial jobs.\"\u003c/p>\n\u003cfigure id=\"attachment_11812651\" class=\"wp-caption aligncenter\" style=\"max-width: 1920px\">\u003cimg class=\"wp-image-11812651 size-full\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/04/RS42789_Screen_Shot_2020-04-16_at_12.08.10_PM_1920x-qut.jpg\" alt=\"\" width=\"1920\" height=\"1329\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2020/04/RS42789_Screen_Shot_2020-04-16_at_12.08.10_PM_1920x-qut.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2020/04/RS42789_Screen_Shot_2020-04-16_at_12.08.10_PM_1920x-qut-160x111.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2020/04/RS42789_Screen_Shot_2020-04-16_at_12.08.10_PM_1920x-qut-800x554.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2020/04/RS42789_Screen_Shot_2020-04-16_at_12.08.10_PM_1920x-qut-1020x706.jpg 1020w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003cfigcaption class=\"wp-caption-text\">Using these three predictive factors, researchers determined that 43% of California's workforce do not have any of these protections, and are at risk of losing — or in some cases have already lost — their jobs. \u003ccite>(Courtesy of Economic Roundtable)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>While these findings may come as little surprise given the staggering surge of new statewide \u003ca href=\"https://www.latimes.com/business/story/2020-04-02/california-unemployment-claims-surge\">unemployment claims\u003c/a> in the last month, the report is intended to serve as a kind of atlas to highlight where workers currently stand and help the state determine where to allocate resources, said Daniel Flaming, president of the Economic Roundtable and one of the report's authors.\u003c/p>\n\u003cp>\"The economic downturn has been so sudden that there's a lot of chaos. There's truly high levels of uncertainty of where it's all going to lead and when it's going to end and how far down the floor is,\" Flaming explained. \"So we're not trying to make a prediction of how many jobs will be lost. But we think it's important to understand who is most vulnerable and where we can find them.\"\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Flaming said there is a \"real risk\" of many workers and communities being overlooked.\u003c/p>\n\u003cp>The report relies on three predictive factors established by the \u003ca href=\"https://www.stlouisfed.org\">Federal Reserve Bank of St. Louis\u003c/a> to determine the risk faced by different types of workers in California. It suggests that those least likely to lose work during the state's ongoing shelter-in-place restrictions have groups that are either essential to public health and safety, can be conducted remotely or are typically salaried positions.\u003c/p>\n\u003cp>Researchers determined that 43% of California's workforce do not fit within any of these categories and are at risk of losing — or in some cases have already lost — their jobs.\u003c/p>\n\u003cp>The report also notes that certain groups of typically low-wage workers — including those \"who prepare and serve food, do janitorial work, [and] provide personal care such as child care\" — are at extremely high risk of losing their jobs, with little likely savings to fall back on.\u003c/p>\n\u003cp>\u003ca href=\"https://ww2.kqed.org/app/uploads/sites/10/2020/04/Screen-Shot-2020-04-16-at-12.09.14-PM.png\">\u003cimg class=\"alignright wp-image-11812645\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/04/Screen-Shot-2020-04-16-at-12.09.14-PM.png\" alt=\"\" width=\"500\" height=\"990\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2020/04/Screen-Shot-2020-04-16-at-12.09.14-PM.png 676w, https://ww2.kqed.org/app/uploads/sites/10/2020/04/Screen-Shot-2020-04-16-at-12.09.14-PM-160x317.png 160w\" sizes=\"(max-width: 500px) 100vw, 500px\">\u003c/a>\u003c/p>\n\u003cp>And things could get worse, the report's authors caution, emphasizing that as \"many more workers in high-risk jobs will become unemployed in the coming months as demand for goods and services by both businesses and workers continues to shrink.\"\u003c/p>\n\u003cp>And Flaming says prospects for those entering the job market are also grim.\u003c/p>\n\u003cp>\"I think that's one thing that should be on our radar screen — is the needs of young people and, conceivably, the need to create programs that can employ them and use their talents and give them a chance to earn a livelihood,\" he said.\u003c/p>\n\u003cp>The unemployment threat is also highly concentrated in certain geographic areas, according to the report, which identifies Stockton, Bakersfield, the Los Angeles metropolitan area and the Inland Empire as the highest risk areas.\u003c/p>\n\u003cp>The report includes a list of recommendations of resources that federal, state and local leaders will need to provide to support the communities hardest hit during this prolonged period of crisis. For example, it stresses the importance of ensuring food banks have \"adequate food inventories and staffing in communities where there is a high need\" and providing legal aid and outreach staff who can help residents take advantage of full economic relief benefits.\u003c/p>\n\u003cp>Flaming said providing that financial support now could help mitigate some of the economic impact to the state down the road.\u003c/p>\n\u003cp>\"A lot of families don't have a financial cushion. And with sudden unemployment, families really can't put food on the table,\" he said. \"Food banks and community outreach and education and legal assistance services are a lot cheaper than income maintenance.\"\u003c/p>\n\u003chr>\n\u003cp>\u003c/p>\n\u003cp>\u003cstrong>Here's a list of KQED resource guides for workers impacted by the coronavirus:\u003c/strong>\u003c/p>\n\u003cul>\n\u003cli>\u003ca href=\"https://www.kqed.org/news/11806938/how-to-file-for-unemployment-in-california-during-the-coronavirus-pandemic\">How to File for Unemployment in California During the Coronavirus Pandemic\u003c/a>\u003c/li>\n\u003cli>\u003ca href=\"https://www.kqed.org/news/11812172/how-to-navigate-bills-right-now-from-student-loans-to-phone-plans\">How to Navigate Bills Right Now, From Student Loans to Phone Plans\u003c/a>\u003c/li>\n\u003cli>\u003ca href=\"https://www.kqed.org/news/11810146/need-money-during-the-coronavirus-pandemic-how-to-avoid-loan-sharks-and-debt-traps\">Need Money During the Coronavirus Pandemic? How to Avoid Loan Sharks and Debt Traps\u003c/a>\u003c/li>\n\u003cli>\u003ca href=\"https://www.kqed.org/news/11809833/stressed-about-paying-your-april-rent-check-here-first\">Stressed About Paying Rent? Check Here First\u003c/a>\u003c/li>\n\u003c/ul>\n\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>More than 40% of California's workforce — many of whom were already in precarious financial positions — are at high risk of unemployment due to the coronavirus pandemic.\u003c/p>\n\u003cp>That's according to a \u003ca href=\"https://economicrt.org/publication/in-harms-way/\">new report\u003c/a> from the Economic Roundtable, a Los Angeles-based nonprofit group that profiled the state's workforce using federal census and economic data.\u003c/p>\n\u003cp>The report underscores that the burden of unemployment is \"unequally distributed,\" resting most heavily on \"young adults, Latinos and workers in restaurant, hotel, personal care and janitorial jobs.\"\u003c/p>\n\u003cfigure id=\"attachment_11812651\" class=\"wp-caption aligncenter\" style=\"max-width: 1920px\">\u003cimg class=\"wp-image-11812651 size-full\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/04/RS42789_Screen_Shot_2020-04-16_at_12.08.10_PM_1920x-qut.jpg\" alt=\"\" width=\"1920\" height=\"1329\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2020/04/RS42789_Screen_Shot_2020-04-16_at_12.08.10_PM_1920x-qut.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2020/04/RS42789_Screen_Shot_2020-04-16_at_12.08.10_PM_1920x-qut-160x111.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2020/04/RS42789_Screen_Shot_2020-04-16_at_12.08.10_PM_1920x-qut-800x554.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2020/04/RS42789_Screen_Shot_2020-04-16_at_12.08.10_PM_1920x-qut-1020x706.jpg 1020w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003cfigcaption class=\"wp-caption-text\">Using these three predictive factors, researchers determined that 43% of California's workforce do not have any of these protections, and are at risk of losing — or in some cases have already lost — their jobs. \u003ccite>(Courtesy of Economic Roundtable)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>While these findings may come as little surprise given the staggering surge of new statewide \u003ca href=\"https://www.latimes.com/business/story/2020-04-02/california-unemployment-claims-surge\">unemployment claims\u003c/a> in the last month, the report is intended to serve as a kind of atlas to highlight where workers currently stand and help the state determine where to allocate resources, said Daniel Flaming, president of the Economic Roundtable and one of the report's authors.\u003c/p>\n\u003cp>\"The economic downturn has been so sudden that there's a lot of chaos. There's truly high levels of uncertainty of where it's all going to lead and when it's going to end and how far down the floor is,\" Flaming explained. \"So we're not trying to make a prediction of how many jobs will be lost. But we think it's important to understand who is most vulnerable and where we can find them.\"\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Flaming said there is a \"real risk\" of many workers and communities being overlooked.\u003c/p>\n\u003cp>The report relies on three predictive factors established by the \u003ca href=\"https://www.stlouisfed.org\">Federal Reserve Bank of St. Louis\u003c/a> to determine the risk faced by different types of workers in California. It suggests that those least likely to lose work during the state's ongoing shelter-in-place restrictions have groups that are either essential to public health and safety, can be conducted remotely or are typically salaried positions.\u003c/p>\n\u003cp>Researchers determined that 43% of California's workforce do not fit within any of these categories and are at risk of losing — or in some cases have already lost — their jobs.\u003c/p>\n\u003cp>The report also notes that certain groups of typically low-wage workers — including those \"who prepare and serve food, do janitorial work, [and] provide personal care such as child care\" — are at extremely high risk of losing their jobs, with little likely savings to fall back on.\u003c/p>\n\u003cp>\u003ca href=\"https://ww2.kqed.org/app/uploads/sites/10/2020/04/Screen-Shot-2020-04-16-at-12.09.14-PM.png\">\u003cimg class=\"alignright wp-image-11812645\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/04/Screen-Shot-2020-04-16-at-12.09.14-PM.png\" alt=\"\" width=\"500\" height=\"990\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2020/04/Screen-Shot-2020-04-16-at-12.09.14-PM.png 676w, https://ww2.kqed.org/app/uploads/sites/10/2020/04/Screen-Shot-2020-04-16-at-12.09.14-PM-160x317.png 160w\" sizes=\"(max-width: 500px) 100vw, 500px\">\u003c/a>\u003c/p>\n\u003cp>And things could get worse, the report's authors caution, emphasizing that as \"many more workers in high-risk jobs will become unemployed in the coming months as demand for goods and services by both businesses and workers continues to shrink.\"\u003c/p>\n\u003cp>And Flaming says prospects for those entering the job market are also grim.\u003c/p>\n\u003cp>\"I think that's one thing that should be on our radar screen — is the needs of young people and, conceivably, the need to create programs that can employ them and use their talents and give them a chance to earn a livelihood,\" he said.\u003c/p>\n\u003cp>The unemployment threat is also highly concentrated in certain geographic areas, according to the report, which identifies Stockton, Bakersfield, the Los Angeles metropolitan area and the Inland Empire as the highest risk areas.\u003c/p>\n\u003cp>The report includes a list of recommendations of resources that federal, state and local leaders will need to provide to support the communities hardest hit during this prolonged period of crisis. For example, it stresses the importance of ensuring food banks have \"adequate food inventories and staffing in communities where there is a high need\" and providing legal aid and outreach staff who can help residents take advantage of full economic relief benefits.\u003c/p>\n\u003cp>Flaming said providing that financial support now could help mitigate some of the economic impact to the state down the road.\u003c/p>\n\u003cp>\"A lot of families don't have a financial cushion. And with sudden unemployment, families really can't put food on the table,\" he said. \"Food banks and community outreach and education and legal assistance services are a lot cheaper than income maintenance.\"\u003c/p>\n\u003chr>\n\u003cp>\u003c/p>\n\u003cp>\u003cstrong>Here's a list of KQED resource guides for workers impacted by the coronavirus:\u003c/strong>\u003c/p>\n\u003cul>\n\u003cli>\u003ca href=\"https://www.kqed.org/news/11806938/how-to-file-for-unemployment-in-california-during-the-coronavirus-pandemic\">How to File for Unemployment in California During the Coronavirus Pandemic\u003c/a>\u003c/li>\n\u003cli>\u003ca href=\"https://www.kqed.org/news/11812172/how-to-navigate-bills-right-now-from-student-loans-to-phone-plans\">How to Navigate Bills Right Now, From Student Loans to Phone Plans\u003c/a>\u003c/li>\n\u003cli>\u003ca href=\"https://www.kqed.org/news/11810146/need-money-during-the-coronavirus-pandemic-how-to-avoid-loan-sharks-and-debt-traps\">Need Money During the Coronavirus Pandemic? How to Avoid Loan Sharks and Debt Traps\u003c/a>\u003c/li>\n\u003cli>\u003ca href=\"https://www.kqed.org/news/11809833/stressed-about-paying-your-april-rent-check-here-first\">Stressed About Paying Rent? Check Here First\u003c/a>\u003c/li>\n\u003c/ul>\n\n\u003c/div>\u003c/p>",
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"content": "\u003cp>While President Trump is pushing to ease restrictions quickly, Gov. Gavin Newsom said reopening businesses and easing social distancing will be \"\u003ca href=\"https://bit.ly/fioreeaserestrictions\">more like a dimmer\u003c/a>\" than flipping a light switch.\u003c/p>\n\u003cp>Never mind the household wiring analogies, some researchers are now saying we may be in for \u003ca href=\"https://www.kqed.org/science/1962089/some-physical-distancing-may-be-necessary-in-the-u-s-for-years-researchers-say\">years of physical distancing\u003c/a>.\u003c/p>\n\u003cp>I sure hope the world's dimmer switch doesn't take that long to get back to full power.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>\u003c/p>\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>While President Trump is pushing to ease restrictions quickly, Gov. Gavin Newsom said reopening businesses and easing social distancing will be \"\u003ca href=\"https://bit.ly/fioreeaserestrictions\">more like a dimmer\u003c/a>\" than flipping a light switch.\u003c/p>\n\u003cp>Never mind the household wiring analogies, some researchers are now saying we may be in for \u003ca href=\"https://www.kqed.org/science/1962089/some-physical-distancing-may-be-necessary-in-the-u-s-for-years-researchers-say\">years of physical distancing\u003c/a>.\u003c/p>\n\u003cp>I sure hope the world's dimmer switch doesn't take that long to get back to full power.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cp>At a time when doctors are more in demand than ever because of COVID-19, they are also being laid off and struggling to keep their practices open.\u003c/p>\n\u003cp>Since hospitals began canceling non-essential surgeries in mid-March to preserve medical resources, and patients have been too afraid to see their doctor for routine care, physicians are watching their revenues plummet.\u003c/p>\n\u003cp>“We had such a decrease in patient volume, we had to furlough about 75% of our staff,” said Dr. Sean Liston, an ophthalmologist and partner at Chico Eye Center. “So we’re still paying their health insurance, but we’re not paying them for hours they’re not working.”\u003c/p>\n\u003cp>About half the medical care in California is delivered by solo and small practice physicians, according to the California Medical Association. In a recent survey of its members, 50% of doctors said they’ve had to lay off fellow physicians, nurses and office staff because of the downturn, and 11% closed down temporarily.\u003c/p>\n\u003cp>Liston specializes in corneal transplants, but he hasn’t done one in weeks. He shut down his surgery center, furloughing 90% of the surgery staff, and the medical office where he does eye exams is only open in the mornings now. The four doctors who own the business suspended their own salaries for March and are considering the same for April.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>“We didn’t pay ourselves because we needed to make certain that we have enough cash reserves to be able to weather this,” Liston said.\u003c/p>\n\u003cp>They have had to weather a lot. They shut down their office in Paradise after the \u003ca href=\"https://www.kqed.org/news/tag/camp-fire\">2018 Camp Fire\u003c/a> burned through town, then watched dozens of doctors leave Chico when there was already a shortage.\u003c/p>\n\u003cp>“We had almost the same number of patients and significantly less physicians. So it was even worse,” said Liston, who recently served as the president of the local Butte-Glenn Medical Society.\u003c/p>\n\u003cp>He’s worried that another wave of doctors might close shop if the coronavirus shutdown lasts much longer. That could leave patients scrambling to find a primary care doctor, a pediatrician or a psychiatrist.\u003c/p>\n\u003cp>The California Medical Association is lobbying the governor to direct health insurance companies to give doctors “retention grants.” Patients are paying their premiums, but insurers aren’t paying claims, the association said, so why not share some of that money around to keep the physician network stable.\u003c/p>\n\u003cp>[aside label=\"More Coronavirus Coverage\" tag=\"coronavirus\"]\u003c/p>\n\u003cp>“Three months down the road, we’re going to have high demand for physician services, surgical and primary care, and we’ve got to be able to meet that,” said Dustin Corcoran, CEO of the California Medical Association. “Physician practices operate on very, very thin margins. They don’t have the reserves that payers have to weather the storm.”\u003c/p>\n\u003cp>Blue Shield of California is distributing $200 million to doctors in advance payments and loans, but they will have to be paid back. The federal government is depositing $30 billion in the bank accounts of ailing physician practices, but these grants are based on how many Medicare patients they typically see. So while the grants provided a welcome relief to some doctors, for others they only covered a fraction of their losses.\u003c/p>\n\u003cp>“If only one payer steps up, that’s not going to be enough to sustain physician practices,” Corcoran said. “That requires a state effort and private payers to do their part.”\u003c/p>\n\u003cp>Dr. George Scott, an OB-GYN in Manteca, sees very few patients over 65, so he got virtually nothing from the Medicare payment, according to his wife, Debbie Rood, who manages all the finances for the practice.\u003c/p>\n\u003cp>Their patient load has dropped by half, she said, as women skip their annual exams. Pre-natal visits are all over video now, which takes more time but pays less because there’s no physical contact. On top of everything, their landlord tripled the rent. Rood has been begging her husband and their three employees to conserve medical equipment and even electricity.\u003c/p>\n\u003cp>“For three weeks I have been telling them, ‘We are not going to have any money. ‘We’re not going to have any money’,” she said.\u003c/p>\n\u003cp>Insurance companies are sensitive to doctors’ struggles, but not to the point of handing out grants.\u003c/p>\n\u003cp>“It’s a pretty simple solution to a very complex problem — and we think too simple,” said Charles Bacchi, CEO of the California Association of Health Plans, a trade group for health insurance companies.\u003c/p>\n\u003cp>Insurers have their own financial obligations and government regulations they must abide by, Bacchi said, and they would rather decide on a case-by-case basis who to help and how. Advance payments or loans might make more sense than grants, because, eventually, patients will come back for their cancer screenings and cornea transplants.\u003c/p>\n\u003cp>“You can’t pay dollars now to keep this doctor’s office open and then pay again when someone comes in in four months to have their health care services,” Bacchi said.\u003c/p>\n\u003cp>But doctors like George Scott have to pay rent and salaries now and in four months, as well as the months in between. Scott and his wife really don’t want to lay off any of their staff.\u003c/p>\n\u003cp>“If we have to take out a second mortgage on our house, then we’ll have to take it out, and we just won’t be able to retire,” Scott said.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>Scott is 66. If he has to, he said, he’ll just keep delivering babies until he’s 80.\u003c/p>\n\n",
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"excerpt": "When doctors don't do surgeries, they don't get paid. Canceled operations and appointments have three-quarters of California physicians worried about their finances. ",
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"title": "Doctors Offices Are Small Businesses Too. And They're Struggling to Stay Afloat During the Pandemic | KQED",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>At a time when doctors are more in demand than ever because of COVID-19, they are also being laid off and struggling to keep their practices open.\u003c/p>\n\u003cp>Since hospitals began canceling non-essential surgeries in mid-March to preserve medical resources, and patients have been too afraid to see their doctor for routine care, physicians are watching their revenues plummet.\u003c/p>\n\u003cp>“We had such a decrease in patient volume, we had to furlough about 75% of our staff,” said Dr. Sean Liston, an ophthalmologist and partner at Chico Eye Center. “So we’re still paying their health insurance, but we’re not paying them for hours they’re not working.”\u003c/p>\n\u003cp>About half the medical care in California is delivered by solo and small practice physicians, according to the California Medical Association. In a recent survey of its members, 50% of doctors said they’ve had to lay off fellow physicians, nurses and office staff because of the downturn, and 11% closed down temporarily.\u003c/p>\n\u003cp>Liston specializes in corneal transplants, but he hasn’t done one in weeks. He shut down his surgery center, furloughing 90% of the surgery staff, and the medical office where he does eye exams is only open in the mornings now. The four doctors who own the business suspended their own salaries for March and are considering the same for April.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>“We didn’t pay ourselves because we needed to make certain that we have enough cash reserves to be able to weather this,” Liston said.\u003c/p>\n\u003cp>They have had to weather a lot. They shut down their office in Paradise after the \u003ca href=\"https://www.kqed.org/news/tag/camp-fire\">2018 Camp Fire\u003c/a> burned through town, then watched dozens of doctors leave Chico when there was already a shortage.\u003c/p>\n\u003cp>“We had almost the same number of patients and significantly less physicians. So it was even worse,” said Liston, who recently served as the president of the local Butte-Glenn Medical Society.\u003c/p>\n\u003cp>He’s worried that another wave of doctors might close shop if the coronavirus shutdown lasts much longer. That could leave patients scrambling to find a primary care doctor, a pediatrician or a psychiatrist.\u003c/p>\n\u003cp>The California Medical Association is lobbying the governor to direct health insurance companies to give doctors “retention grants.” Patients are paying their premiums, but insurers aren’t paying claims, the association said, so why not share some of that money around to keep the physician network stable.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>“Three months down the road, we’re going to have high demand for physician services, surgical and primary care, and we’ve got to be able to meet that,” said Dustin Corcoran, CEO of the California Medical Association. “Physician practices operate on very, very thin margins. They don’t have the reserves that payers have to weather the storm.”\u003c/p>\n\u003cp>Blue Shield of California is distributing $200 million to doctors in advance payments and loans, but they will have to be paid back. The federal government is depositing $30 billion in the bank accounts of ailing physician practices, but these grants are based on how many Medicare patients they typically see. So while the grants provided a welcome relief to some doctors, for others they only covered a fraction of their losses.\u003c/p>\n\u003cp>“If only one payer steps up, that’s not going to be enough to sustain physician practices,” Corcoran said. “That requires a state effort and private payers to do their part.”\u003c/p>\n\u003cp>Dr. George Scott, an OB-GYN in Manteca, sees very few patients over 65, so he got virtually nothing from the Medicare payment, according to his wife, Debbie Rood, who manages all the finances for the practice.\u003c/p>\n\u003cp>Their patient load has dropped by half, she said, as women skip their annual exams. Pre-natal visits are all over video now, which takes more time but pays less because there’s no physical contact. On top of everything, their landlord tripled the rent. Rood has been begging her husband and their three employees to conserve medical equipment and even electricity.\u003c/p>\n\u003cp>“For three weeks I have been telling them, ‘We are not going to have any money. ‘We’re not going to have any money’,” she said.\u003c/p>\n\u003cp>Insurance companies are sensitive to doctors’ struggles, but not to the point of handing out grants.\u003c/p>\n\u003cp>“It’s a pretty simple solution to a very complex problem — and we think too simple,” said Charles Bacchi, CEO of the California Association of Health Plans, a trade group for health insurance companies.\u003c/p>\n\u003cp>Insurers have their own financial obligations and government regulations they must abide by, Bacchi said, and they would rather decide on a case-by-case basis who to help and how. Advance payments or loans might make more sense than grants, because, eventually, patients will come back for their cancer screenings and cornea transplants.\u003c/p>\n\u003cp>“You can’t pay dollars now to keep this doctor’s office open and then pay again when someone comes in in four months to have their health care services,” Bacchi said.\u003c/p>\n\u003cp>But doctors like George Scott have to pay rent and salaries now and in four months, as well as the months in between. Scott and his wife really don’t want to lay off any of their staff.\u003c/p>\n\u003cp>“If we have to take out a second mortgage on our house, then we’ll have to take it out, and we just won’t be able to retire,” Scott said.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>Scott is 66. If he has to, he said, he’ll just keep delivering babies until he’s 80.\u003c/p>\n\n\u003c/div>\u003c/p>",
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"disqusTitle": "How to Navigate Bills Right Now, From Student Loans to Phone Plans",
"title": "How to Navigate Bills Right Now, From Student Loans to Phone Plans",
"headTitle": "KQED News",
"content": "\u003cp>When officials began issuing local and statewide \u003ca href=\"https://www.kqed.org/news/11806988/sheltering-in-place-what-you-need-to-know\">shelter-in-place orders \u003c/a>in March to stem the spread of the coronavirus, scores of businesses across the country were forced to shutter, leaving \u003ca href=\"https://www.npr.org/sections/coronavirus-live-updates/2020/04/09/830216099/6-6-million-more-file-for-unemployment-as-coronavirus-keeps-economy-shut\">a historic number\u003c/a> of Americans unemployed and grappling with overwhelming financial loss.\u003c/p>\n\u003cp>To help soften the blow, Congress passed the \u003ca href=\"https://www.npr.org/2020/03/26/821457551/whats-inside-the-senate-s-2-trillion-coronavirus-aid-package\">CARES Act\u003c/a>, a massive $2.2 trillion stimulus package. Among many other things, the bill includes one-time payments of up to $1,200 per person for millions of Americans with adjusted gross incomes of up to $75,000, plus $500 for each qualifying child. On April 11, the Internal Revenue Service \u003ca href=\"https://twitter.com/IRSnews/status/1249062356077944832?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1249062356077944832&ref_url=about%3Asrcdoc\">announced\u003c/a> it had issued the first set of checks.\u003c/p>\n\u003cp>But $1,200 only goes so far — especially in the Bay Area — and if you find yourself still unable to pay your bills, there are other forms of financial assistance potentially available. But before contacting creditors and lenders, it's crucial to come up with a solid game plan.\u003c/p>\n\u003cp>“I think the very first step that you need to take is to sit down and look at all of your financial resources and take into account everything that you have available to survive a reduction or loss of income,” said Bruce McClary, a spokesperson for the \u003ca href=\"https://www.nfcc.org\">National Foundation for Credit Counseling\u003c/a>, a nationwide network of nonprofit financial counseling organizations.\u003c/p>\n\u003cp>McClary suggests that everyone — even those with substantial savings — implement an emergency budget and be aware of relief options. “Things are changing on this front, and there are more programs that are likely to be announced,” he said.\u003c/p>\n\u003cp>If you’re experiencing financial hardship due to the pandemic, navigating available relief options can be a downright overwhelming process. So, here’s what you need to know about paying the bills that might be on your plate:\u003c/p>\n\u003cul>\n\u003cli>\u003cstrong>\u003ca href=\"#1\">Calling About Payment Options? Read This First\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"#2\">Banks and Credit Card Lenders\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"#3\">Utilities\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"#4\">Phone and WiFi\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"#5\">Student Loans\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"#6\">Car Payments and Insurance\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"#7\">Rent, Mortgage and Property Taxes\u003c/a>\u003c/strong>\u003c/li>\n\u003c/ul>\n\u003ch3>\u003ca id=\"1\">\u003c/a> Calling About Payment Options? Read This First\u003c/h3>\n\u003cp>Before contacting your creditors or lenders, make sure you’re prepared and know what to say in order to access the full range of payment relief options available, whether it be loan deferments and fee waivers options or payment plans and continued service guarantees.\u003c/p>\n\u003cp>[aside postID=\"news_11806938\" label=\"Guide: Filing for Unemployment\" hero=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2020/03/RS42106_004_KQED_EDD_UnemploymentApplication_03162020_8407-qut-1-1020x680.jpg\"]\u003c/p>\n\u003cp>“It could be a lot of phone calls, but it's very important that you start the process and that you're the one who initiates these conversations,” McClary said.\u003c/p>\n\u003cp>According to the\u003ca href=\"https://www.consumerfinance.gov/about-us/blog/protect-yourself-financially-from-impact-of-coronavirus/\"> Consumer Protection Finance Bureau\u003c/a>, you should have the following information in hand before contacting lenders:\u003c/p>\n\u003cul>\n\u003cli>Your financial and employment status\u003c/li>\n\u003cli>How much you can afford to pay\u003c/li>\n\u003cli>When you’re likely to be able to restart regular payments\u003c/li>\n\u003cli>Detailed information about your income, expenses and assets\u003c/li>\n\u003c/ul>\n\u003cp>“It's always best to enter into the conversation with a broader question about what programs are available for people who are experiencing financial hardships that are related to COVID- 19,\" McClary said.\u003c/p>\n\u003cp>Beginning the call with an open-ended question allows the lender or creditor the opportunity to tell you what kind of relief options are available. Explain your situation and be sure to explicitly say you’re experiencing financial hardship due to the coronavirus. Some lenders may have certain processes already in place for borrowers who are impacted by the crisis, but not necessarily for those experiencing unrelated financial hardship.\u003c/p>\n\u003cp>If possible, make sure you request in writing any assistance options that are offered by your financial institution, and at the very least, take good notes.\u003c/p>\n\u003cp>It could also be beneficial to consult a financial or housing counselor before reaching out to creditors to make sure you're prepared. You can access free or low-cost financial counseling through the \u003ca href=\"https://www.nfcc.org\">NFCC\u003c/a> or the \u003ca href=\"https://fcaa.org\">Financial Counseling Association of America\u003c/a>.\u003c/p>\n\u003cp>If you've lost a significant chunk of your income, one commonly offered form of relief is known as a forbearance program. It allows you to skip one or more bill or loan payments, usually without penalties like late fees or having services turned off.\u003c/p>\n\u003cp>If forbearance isn’t an option, other programs may also be available, like reduced payment plans.\u003c/p>\n\u003cp>“If someone says 'We don't have forbearance programs,' don't hang up the phone and think that you're out of options,” said McClary. “Ask leading questions to identify what other options are available.”\u003c/p>\n\u003cp>And if you don't think you're getting the assistance you're entitled to, some experts suggest filing a complaint to federal and state consumer protection agencies (which you can do \u003ca href=\"https://www.consumerfinance.gov/complaint/\">here \u003c/a>and \u003ca href=\"https://oag.ca.gov/consumers/general/financial-services\">here\u003c/a>).\u003c/p>\n\u003cp>\"Sometimes that can make a difference,\" said Kevin Stein, deputy director of the \u003ca href=\"http://calreinvest.org\">California Reinvestment Coalition\u003c/a>. \"And there are people in the agency who are supposed to be looking for trends and bad actors, so maybe it's information they would act upon.”\u003c/p>\n\u003cp>Below is a list of specific relief programs available if you're struggling to pay your bills. But remember, creditors and lenders may be able to provide relief on a case-by-case basis, even if certain options aren't listed on their websites.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003ch3>\u003ca id=\"2\">\u003c/a>Banks and Credit Card Lenders\u003c/h3>\n\u003cp>Many banks and credit card lenders are now offering forms of assistance to help borrowers impacted by the pandemic, including options like fee waivers and forbearance. Again, when speaking to a lender, make sure you explicitly explain you are suffering financial hardship due to the coronavirus pandemic and allow them to tell you what programs are available.\u003c/p>\n\u003cp>The American Banker Association compiled a \u003ca href=\"https://www.aba.com/about-us/press-room/industry-response-coronavirus\">directory of U.S. banks\u003c/a> and what they’re doing to assist customers who are financially impacted by the crisis. Even if a bank or credit card lender’s policy doesn’t explicitly outline the kind of assistance you’re looking for, relief may be available on a case-by-case basis.\u003c/p>\n\u003cp>If you do receive forbearance or other forms of assistance from a lender, routinely \u003ca href=\"https://www.consumerfinance.gov/ask-cfpb/how-do-i-get-a-copy-of-my-credit-reports-en-5/\">check your credit report\u003c/a> to ensure no inaccuracies are being reported. You can access a free credit report once a year from each of the following companies: \u003ca href=\"https://www.equifax.com/personal/\">Equifax\u003c/a>, \u003ca href=\"https://www.experian.com\">Experian\u003c/a> and \u003ca href=\"https://www.transunion.com\">TransUnion\u003c/a>.\u003c/p>\n\u003ch3>\u003ca id=\"3\">\u003c/a>Utilities\u003c/h3>\n\u003cp>Many of us are spending a lot more time at home these days and because of that, we're likely using more electricity than normal. Coupled with coronavirus-related financial pressure, you may find that you need assistance paying your monthly utility bill and making sure the lights stay on.\u003c/p>\n\u003cp>[aside postID=\"news_11810146, science_1961210\" label=\"How to Avoid Getting Scammed\" hero=\"https://ww2.kqed.org/app/uploads/sites/10/2020/04/002_KQED_SanFrancisco_CheckCashing_03202020-1020x680.jpg\"]\u003c/p>\n\u003cp>Across California, many utility companies — including Pacific Gas & Electric, Southern California Edison, San Diego Gas & Electric, Los Angeles Department of Water and Power and Sacramento Municipal Utility District — have all \u003ca href=\"https://calmatters.org/california-divide/2020/03/utilities-wont-shut-off-power-coronavirus/\">promised they won't shut off \u003c/a>power to customers who can't pay their bills during the coronavirus crisis.\u003c/p>\n\u003cp>Additionally, people who have lost their jobs due to COVID-19 may qualify for PG&E’s \u003ca href=\"https://www.pge.com/en_US/residential/save-energy-money/help-paying-your-bill/longer-term-assistance/care/care.page\">California Alternate Rates for Energy Program\u003c/a>, which provides a 20% to 35% discount on utility bills. Households with three or more people may also qualify for an 18% discount on electricity through the utility's Family Electric Rate Assistance Program. Text “CARE” to 20283 to find out if you’re eligible.\u003c/p>\n\u003ch3>\u003ca id=\"4\">\u003c/a>Phone and WiFi\u003c/h3>\n\u003cp>Federal Communications Commission Chairman Ajit Pai asked telephone and broadband service providers to take the Keep Americans Connected Pledge, which ensures a continuation of service to customers during the coronavirus crisis.\u003c/p>\n\u003cp>More than 700 companies have signed on to pledge so far. Here is a \u003ca href=\"https://www.fcc.gov/keep-americans-connected\">list\u003c/a>.\u003c/p>\n\u003cp>That means, for at least 60 days, those companies have promised to do the following:\u003c/p>\n\u003cul>\n\u003cli>Not terminate service to any residential or small business customers because of their inability to pay their bills due to disruptions caused by the coronavirus.\u003c/li>\n\u003cli>Waive any late fees that any residential or small business customers incur because of their economic circumstances related to the crisis\u003c/li>\n\u003cli>Open Wi-Fi hotspots to anyone who needs them\u003c/li>\n\u003c/ul>\n\u003cp>Below are some additional offerings available from the largest internet providers in the Bay Area for people who have been impacted by the coronavirus crisis. This list is not all-inclusive, so contact your WiFi provider to inquire about assistance available for your specific situation. All of the following companies are also promising no disconnects or late fees during this period:\u003c/p>\n\u003cul>\n\u003cli>\u003ca href=\"https://corporate.comcast.com/press/releases/internet-essentials-low-income-broadband-coronavirus-pandemic\">Comcast\u003c/a>: Comcast is making 1.5 million of its\u003ca href=\"https://www.xfinity.com/prepare\"> Xfinity WiFi hotspots free\u003c/a> across the country during the pandemic. To locate a hotspot near you, search \u003ca href=\"https://www.xfinity.com/mobile/network/map\">this interactive map\u003c/a>. Qualified new low-income customers can also get 60 days of free internet. The company is also giving customers unlimited data for 60 days with no additional charges.\u003c/li>\n\u003cli>\u003ca href=\"https://mobile.spectrum.com/support/article/360040980371/coronavirus-covid19-update\">Spectrum\u003c/a>: Spectrum is making its \u003ca href=\"https://www.spectrum.net/support/internet/spectrum-wifi\" target=\"_self\" rel=\"noopener noreferrer\">WiFi hotspots\u003c/a> available for public use. The company is also offering free internet access for 60 days to households with students and educators.\u003c/li>\n\u003cli>\u003ca href=\"https://about.att.com/pages/COVID-19.html\">AT&T\u003c/a>: AT&T is providing three months of free wireless service for frontline nurses and physicians nationwide.\u003c/li>\n\u003cli>\u003ca href=\"https://www.verizon.com/support/covid-19-faqs/\">Verizon\u003c/a>: Verizon is offering customers additional mobile hotspot data.\u003c/li>\n\u003cli>\u003ca href=\"https://www.sonic.com/cov19\">Sonic\u003c/a>: Sonic is offering three months of free internet access and unlimited nationwide home telephone service to households with students or residents 60 and older.\u003c/li>\n\u003c/ul>\n\u003ch3>\u003ca id=\"5\">\u003c/a>Student Loans\u003c/h3>\n\u003cp>Under the CARES Act, you may be able to suspend student loan payments through Sept. 30, 2020, but only \u003ca href=\"https://www.consumerfinance.gov/about-us/blog/what-you-need-to-know-about-student-loans-and-coronavirus-pandemic/\">if they’re federal loans\u003c/a>, not ones issued through private banks, credit unions, schools or other entities.\u003c/p>\n\u003cp>Payments for student loans owned by the federal government will be suspended automatically, so you don’t need to worry about contacting your loan-service provider. The interest rate is set to 0% through Sept. 30.\u003c/p>\n\u003cp>Many private lenders, however, are offering reduced payment plans or ways to postpone your payments. Contact your lender directly to find out about payment options.\u003c/p>\n\u003cp>If you don’t know who your loan servicer is, call the \u003ca href=\"https://studentaid.gov/manage-loans/repayment/servicers\">Federal Student Aid Information Center\u003c/a> at 1-800-433-3243 to find out.\u003c/p>\n\u003cp>You should never be asked to pay a fee to suspend your federal student loans. If this occurs, report it to the \u003ca href=\"https://www.ftccomplaintassistant.gov/#crnt&panel1-1\">Federal Trade Commission\u003c/a>.\u003c/p>\n\u003ch3>\u003ca id=\"6\">\u003c/a>Car payments and Insurance\u003c/h3>\n\u003cp>If you can't pay your auto loan, your lender may be able to work with you to provide some relief. Several major lenders have offered options to help people paying off a car or buying a new one, such as waiving late fees or allowing deferred payments.\u003c/p>\n\u003cp>The \u003ca href=\"https://www.consumerfinance.gov/about-us/blog/worried-about-making-your-auto-loan-payments-your-lender-may-have-options-to-help/\">Consumer Financial Protection Bureau recommends\u003c/a> following these steps:\u003c/p>\n\u003cul>\n\u003cli>Ask to change the date your payment is due\u003c/li>\n\u003cli>Request a payment plan\u003c/li>\n\u003cli>Ask for a payment extension/deferral\u003c/li>\n\u003cli>Consider refinancing your auto loan\u003c/li>\n\u003c/ul>\n\u003cp>For your auto insurance, you're likely eligible to receive a rebate or payment deferrals. As shelter-in-place orders have reduced traffic on the road, California insurance commissioner \u003ca href=\"http://www.insurance.ca.gov/0400-news/0100-press-releases/2020/release038-2020.cfm\">Ricardo Lara ordered\u003c/a> insurance companies to return premiums to drivers and businesses during the coronavirus crisis.\u003c/p>\n\u003cp>Reach out to your insurance company to find out the full range of financial relief they may be offering during the pandemic.\u003c/p>\n\u003ch3>\u003ca id=\"7\">\u003c/a>Rent, Mortgage and Property Taxes\u003c/h3>\n\u003cp>For tenants: \u003ca href=\"https://www.kqed.org/news/11809833/stressed-about-paying-your-april-rent-check-here-first\">KQED created a guide\u003c/a> outlining what to do and what protections are available if you can't pay rent during the coronavirus crisis.\u003c/p>\n\u003cp>If you can’t pay your mortgage, or can only pay part of it, you should reach out to your mortgage servicer, according to the Consumer Financial Protection Bureau, which has \u003ca href=\"https://www.consumerfinance.gov/about-us/blog/guide-coronavirus-mortgage-relief-options/\">a guide on mortgage relief options\u003c/a>, including information about protections through the CARES Act for homeowners with federally backed mortgages.\u003c/p>\n\u003cp>In most California counties, property taxes were due April 10, but nearly all counties in the state have agreed to waive penalties for late payments on a case-by-case basis if you can demonstrate that you've been financially impacted by the crisis.\u003c/p>\n\u003cp>San Mateo and San Francisco counties also both extended their property tax deadlines to May 4. Check out \u003ca href=\"https://www.kqed.org/news/11811552/most-property-taxes-are-still-due-april-10-heres-what-you-need-to-know\">KQED's guide to paying property taxes\u003c/a> in all nine Bay Area counties.\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>When officials began issuing local and statewide \u003ca href=\"https://www.kqed.org/news/11806988/sheltering-in-place-what-you-need-to-know\">shelter-in-place orders \u003c/a>in March to stem the spread of the coronavirus, scores of businesses across the country were forced to shutter, leaving \u003ca href=\"https://www.npr.org/sections/coronavirus-live-updates/2020/04/09/830216099/6-6-million-more-file-for-unemployment-as-coronavirus-keeps-economy-shut\">a historic number\u003c/a> of Americans unemployed and grappling with overwhelming financial loss.\u003c/p>\n\u003cp>To help soften the blow, Congress passed the \u003ca href=\"https://www.npr.org/2020/03/26/821457551/whats-inside-the-senate-s-2-trillion-coronavirus-aid-package\">CARES Act\u003c/a>, a massive $2.2 trillion stimulus package. Among many other things, the bill includes one-time payments of up to $1,200 per person for millions of Americans with adjusted gross incomes of up to $75,000, plus $500 for each qualifying child. On April 11, the Internal Revenue Service \u003ca href=\"https://twitter.com/IRSnews/status/1249062356077944832?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1249062356077944832&ref_url=about%3Asrcdoc\">announced\u003c/a> it had issued the first set of checks.\u003c/p>\n\u003cp>But $1,200 only goes so far — especially in the Bay Area — and if you find yourself still unable to pay your bills, there are other forms of financial assistance potentially available. But before contacting creditors and lenders, it's crucial to come up with a solid game plan.\u003c/p>\n\u003cp>“I think the very first step that you need to take is to sit down and look at all of your financial resources and take into account everything that you have available to survive a reduction or loss of income,” said Bruce McClary, a spokesperson for the \u003ca href=\"https://www.nfcc.org\">National Foundation for Credit Counseling\u003c/a>, a nationwide network of nonprofit financial counseling organizations.\u003c/p>\n\u003cp>McClary suggests that everyone — even those with substantial savings — implement an emergency budget and be aware of relief options. “Things are changing on this front, and there are more programs that are likely to be announced,” he said.\u003c/p>\n\u003cp>If you’re experiencing financial hardship due to the pandemic, navigating available relief options can be a downright overwhelming process. So, here’s what you need to know about paying the bills that might be on your plate:\u003c/p>\n\u003cul>\n\u003cli>\u003cstrong>\u003ca href=\"#1\">Calling About Payment Options? Read This First\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"#2\">Banks and Credit Card Lenders\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"#3\">Utilities\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"#4\">Phone and WiFi\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"#5\">Student Loans\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"#6\">Car Payments and Insurance\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"#7\">Rent, Mortgage and Property Taxes\u003c/a>\u003c/strong>\u003c/li>\n\u003c/ul>\n\u003ch3>\u003ca id=\"1\">\u003c/a> Calling About Payment Options? Read This First\u003c/h3>\n\u003cp>Before contacting your creditors or lenders, make sure you’re prepared and know what to say in order to access the full range of payment relief options available, whether it be loan deferments and fee waivers options or payment plans and continued service guarantees.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>“It could be a lot of phone calls, but it's very important that you start the process and that you're the one who initiates these conversations,” McClary said.\u003c/p>\n\u003cp>According to the\u003ca href=\"https://www.consumerfinance.gov/about-us/blog/protect-yourself-financially-from-impact-of-coronavirus/\"> Consumer Protection Finance Bureau\u003c/a>, you should have the following information in hand before contacting lenders:\u003c/p>\n\u003cul>\n\u003cli>Your financial and employment status\u003c/li>\n\u003cli>How much you can afford to pay\u003c/li>\n\u003cli>When you’re likely to be able to restart regular payments\u003c/li>\n\u003cli>Detailed information about your income, expenses and assets\u003c/li>\n\u003c/ul>\n\u003cp>“It's always best to enter into the conversation with a broader question about what programs are available for people who are experiencing financial hardships that are related to COVID- 19,\" McClary said.\u003c/p>\n\u003cp>Beginning the call with an open-ended question allows the lender or creditor the opportunity to tell you what kind of relief options are available. Explain your situation and be sure to explicitly say you’re experiencing financial hardship due to the coronavirus. Some lenders may have certain processes already in place for borrowers who are impacted by the crisis, but not necessarily for those experiencing unrelated financial hardship.\u003c/p>\n\u003cp>If possible, make sure you request in writing any assistance options that are offered by your financial institution, and at the very least, take good notes.\u003c/p>\n\u003cp>It could also be beneficial to consult a financial or housing counselor before reaching out to creditors to make sure you're prepared. You can access free or low-cost financial counseling through the \u003ca href=\"https://www.nfcc.org\">NFCC\u003c/a> or the \u003ca href=\"https://fcaa.org\">Financial Counseling Association of America\u003c/a>.\u003c/p>\n\u003cp>If you've lost a significant chunk of your income, one commonly offered form of relief is known as a forbearance program. It allows you to skip one or more bill or loan payments, usually without penalties like late fees or having services turned off.\u003c/p>\n\u003cp>If forbearance isn’t an option, other programs may also be available, like reduced payment plans.\u003c/p>\n\u003cp>“If someone says 'We don't have forbearance programs,' don't hang up the phone and think that you're out of options,” said McClary. “Ask leading questions to identify what other options are available.”\u003c/p>\n\u003cp>And if you don't think you're getting the assistance you're entitled to, some experts suggest filing a complaint to federal and state consumer protection agencies (which you can do \u003ca href=\"https://www.consumerfinance.gov/complaint/\">here \u003c/a>and \u003ca href=\"https://oag.ca.gov/consumers/general/financial-services\">here\u003c/a>).\u003c/p>\n\u003cp>\"Sometimes that can make a difference,\" said Kevin Stein, deputy director of the \u003ca href=\"http://calreinvest.org\">California Reinvestment Coalition\u003c/a>. \"And there are people in the agency who are supposed to be looking for trends and bad actors, so maybe it's information they would act upon.”\u003c/p>\n\u003cp>Below is a list of specific relief programs available if you're struggling to pay your bills. But remember, creditors and lenders may be able to provide relief on a case-by-case basis, even if certain options aren't listed on their websites.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003ch3>\u003ca id=\"2\">\u003c/a>Banks and Credit Card Lenders\u003c/h3>\n\u003cp>Many banks and credit card lenders are now offering forms of assistance to help borrowers impacted by the pandemic, including options like fee waivers and forbearance. Again, when speaking to a lender, make sure you explicitly explain you are suffering financial hardship due to the coronavirus pandemic and allow them to tell you what programs are available.\u003c/p>\n\u003cp>The American Banker Association compiled a \u003ca href=\"https://www.aba.com/about-us/press-room/industry-response-coronavirus\">directory of U.S. banks\u003c/a> and what they’re doing to assist customers who are financially impacted by the crisis. Even if a bank or credit card lender’s policy doesn’t explicitly outline the kind of assistance you’re looking for, relief may be available on a case-by-case basis.\u003c/p>\n\u003cp>If you do receive forbearance or other forms of assistance from a lender, routinely \u003ca href=\"https://www.consumerfinance.gov/ask-cfpb/how-do-i-get-a-copy-of-my-credit-reports-en-5/\">check your credit report\u003c/a> to ensure no inaccuracies are being reported. You can access a free credit report once a year from each of the following companies: \u003ca href=\"https://www.equifax.com/personal/\">Equifax\u003c/a>, \u003ca href=\"https://www.experian.com\">Experian\u003c/a> and \u003ca href=\"https://www.transunion.com\">TransUnion\u003c/a>.\u003c/p>\n\u003ch3>\u003ca id=\"3\">\u003c/a>Utilities\u003c/h3>\n\u003cp>Many of us are spending a lot more time at home these days and because of that, we're likely using more electricity than normal. Coupled with coronavirus-related financial pressure, you may find that you need assistance paying your monthly utility bill and making sure the lights stay on.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Across California, many utility companies — including Pacific Gas & Electric, Southern California Edison, San Diego Gas & Electric, Los Angeles Department of Water and Power and Sacramento Municipal Utility District — have all \u003ca href=\"https://calmatters.org/california-divide/2020/03/utilities-wont-shut-off-power-coronavirus/\">promised they won't shut off \u003c/a>power to customers who can't pay their bills during the coronavirus crisis.\u003c/p>\n\u003cp>Additionally, people who have lost their jobs due to COVID-19 may qualify for PG&E’s \u003ca href=\"https://www.pge.com/en_US/residential/save-energy-money/help-paying-your-bill/longer-term-assistance/care/care.page\">California Alternate Rates for Energy Program\u003c/a>, which provides a 20% to 35% discount on utility bills. Households with three or more people may also qualify for an 18% discount on electricity through the utility's Family Electric Rate Assistance Program. Text “CARE” to 20283 to find out if you’re eligible.\u003c/p>\n\u003ch3>\u003ca id=\"4\">\u003c/a>Phone and WiFi\u003c/h3>\n\u003cp>Federal Communications Commission Chairman Ajit Pai asked telephone and broadband service providers to take the Keep Americans Connected Pledge, which ensures a continuation of service to customers during the coronavirus crisis.\u003c/p>\n\u003cp>More than 700 companies have signed on to pledge so far. Here is a \u003ca href=\"https://www.fcc.gov/keep-americans-connected\">list\u003c/a>.\u003c/p>\n\u003cp>That means, for at least 60 days, those companies have promised to do the following:\u003c/p>\n\u003cul>\n\u003cli>Not terminate service to any residential or small business customers because of their inability to pay their bills due to disruptions caused by the coronavirus.\u003c/li>\n\u003cli>Waive any late fees that any residential or small business customers incur because of their economic circumstances related to the crisis\u003c/li>\n\u003cli>Open Wi-Fi hotspots to anyone who needs them\u003c/li>\n\u003c/ul>\n\u003cp>Below are some additional offerings available from the largest internet providers in the Bay Area for people who have been impacted by the coronavirus crisis. This list is not all-inclusive, so contact your WiFi provider to inquire about assistance available for your specific situation. All of the following companies are also promising no disconnects or late fees during this period:\u003c/p>\n\u003cul>\n\u003cli>\u003ca href=\"https://corporate.comcast.com/press/releases/internet-essentials-low-income-broadband-coronavirus-pandemic\">Comcast\u003c/a>: Comcast is making 1.5 million of its\u003ca href=\"https://www.xfinity.com/prepare\"> Xfinity WiFi hotspots free\u003c/a> across the country during the pandemic. To locate a hotspot near you, search \u003ca href=\"https://www.xfinity.com/mobile/network/map\">this interactive map\u003c/a>. Qualified new low-income customers can also get 60 days of free internet. The company is also giving customers unlimited data for 60 days with no additional charges.\u003c/li>\n\u003cli>\u003ca href=\"https://mobile.spectrum.com/support/article/360040980371/coronavirus-covid19-update\">Spectrum\u003c/a>: Spectrum is making its \u003ca href=\"https://www.spectrum.net/support/internet/spectrum-wifi\" target=\"_self\" rel=\"noopener noreferrer\">WiFi hotspots\u003c/a> available for public use. The company is also offering free internet access for 60 days to households with students and educators.\u003c/li>\n\u003cli>\u003ca href=\"https://about.att.com/pages/COVID-19.html\">AT&T\u003c/a>: AT&T is providing three months of free wireless service for frontline nurses and physicians nationwide.\u003c/li>\n\u003cli>\u003ca href=\"https://www.verizon.com/support/covid-19-faqs/\">Verizon\u003c/a>: Verizon is offering customers additional mobile hotspot data.\u003c/li>\n\u003cli>\u003ca href=\"https://www.sonic.com/cov19\">Sonic\u003c/a>: Sonic is offering three months of free internet access and unlimited nationwide home telephone service to households with students or residents 60 and older.\u003c/li>\n\u003c/ul>\n\u003ch3>\u003ca id=\"5\">\u003c/a>Student Loans\u003c/h3>\n\u003cp>Under the CARES Act, you may be able to suspend student loan payments through Sept. 30, 2020, but only \u003ca href=\"https://www.consumerfinance.gov/about-us/blog/what-you-need-to-know-about-student-loans-and-coronavirus-pandemic/\">if they’re federal loans\u003c/a>, not ones issued through private banks, credit unions, schools or other entities.\u003c/p>\n\u003cp>Payments for student loans owned by the federal government will be suspended automatically, so you don’t need to worry about contacting your loan-service provider. The interest rate is set to 0% through Sept. 30.\u003c/p>\n\u003cp>Many private lenders, however, are offering reduced payment plans or ways to postpone your payments. Contact your lender directly to find out about payment options.\u003c/p>\n\u003cp>If you don’t know who your loan servicer is, call the \u003ca href=\"https://studentaid.gov/manage-loans/repayment/servicers\">Federal Student Aid Information Center\u003c/a> at 1-800-433-3243 to find out.\u003c/p>\n\u003cp>You should never be asked to pay a fee to suspend your federal student loans. If this occurs, report it to the \u003ca href=\"https://www.ftccomplaintassistant.gov/#crnt&panel1-1\">Federal Trade Commission\u003c/a>.\u003c/p>\n\u003ch3>\u003ca id=\"6\">\u003c/a>Car payments and Insurance\u003c/h3>\n\u003cp>If you can't pay your auto loan, your lender may be able to work with you to provide some relief. Several major lenders have offered options to help people paying off a car or buying a new one, such as waiving late fees or allowing deferred payments.\u003c/p>\n\u003cp>The \u003ca href=\"https://www.consumerfinance.gov/about-us/blog/worried-about-making-your-auto-loan-payments-your-lender-may-have-options-to-help/\">Consumer Financial Protection Bureau recommends\u003c/a> following these steps:\u003c/p>\n\u003cul>\n\u003cli>Ask to change the date your payment is due\u003c/li>\n\u003cli>Request a payment plan\u003c/li>\n\u003cli>Ask for a payment extension/deferral\u003c/li>\n\u003cli>Consider refinancing your auto loan\u003c/li>\n\u003c/ul>\n\u003cp>For your auto insurance, you're likely eligible to receive a rebate or payment deferrals. As shelter-in-place orders have reduced traffic on the road, California insurance commissioner \u003ca href=\"http://www.insurance.ca.gov/0400-news/0100-press-releases/2020/release038-2020.cfm\">Ricardo Lara ordered\u003c/a> insurance companies to return premiums to drivers and businesses during the coronavirus crisis.\u003c/p>\n\u003cp>Reach out to your insurance company to find out the full range of financial relief they may be offering during the pandemic.\u003c/p>\n\u003ch3>\u003ca id=\"7\">\u003c/a>Rent, Mortgage and Property Taxes\u003c/h3>\n\u003cp>For tenants: \u003ca href=\"https://www.kqed.org/news/11809833/stressed-about-paying-your-april-rent-check-here-first\">KQED created a guide\u003c/a> outlining what to do and what protections are available if you can't pay rent during the coronavirus crisis.\u003c/p>\n\u003cp>If you can’t pay your mortgage, or can only pay part of it, you should reach out to your mortgage servicer, according to the Consumer Financial Protection Bureau, which has \u003ca href=\"https://www.consumerfinance.gov/about-us/blog/guide-coronavirus-mortgage-relief-options/\">a guide on mortgage relief options\u003c/a>, including information about protections through the CARES Act for homeowners with federally backed mortgages.\u003c/p>\n\u003cp>In most California counties, property taxes were due April 10, but nearly all counties in the state have agreed to waive penalties for late payments on a case-by-case basis if you can demonstrate that you've been financially impacted by the crisis.\u003c/p>\n\u003cp>San Mateo and San Francisco counties also both extended their property tax deadlines to May 4. Check out \u003ca href=\"https://www.kqed.org/news/11811552/most-property-taxes-are-still-due-april-10-heres-what-you-need-to-know\">KQED's guide to paying property taxes\u003c/a> in all nine Bay Area counties.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cp>Since the COVID-19 pandemic began sweeping the world, hospitals have been scrambling to acquire enough personal protective equipment (PPE) to allow workers to care for those who’ve contracted the disease, without contracting it themselves.\u003c/p>\n\u003cp>As traditional manufacturers struggle to produce PPE fast enough, tech companies and members of the 3D printing community have stepped up to create the supplies desperately needed by doctors and nurses.\u003c/p>\n\u003cp>For the uninitiated, 3D printers can create objects from a digital file by stacking layers of material on top of each other until the design is finished.\u003c/p>\n\u003cp>In the interest of helping out first responders, small-time manufacturers and at-home printers have been sharing \u003ca href=\"https://m.facebook.com/groups/670932227050506\">open-source designs online\u003c/a> to help meet the need for PPE. But that desire to help isn’t without limitations. Many items that hospitals need — like N95 masks or nasal swabs — have complex designs and have to go through an approvals and sterilization process before they can be shipped out to hospitals.\u003c/p>\n\u003cp>But some items are easier to get through the process than others, like face shields.\u003c/p>\n\u003cfigure id=\"attachment_11811876\" class=\"wp-caption aligncenter\" style=\"max-width: 1920px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-11811876\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/04/RS42634_014_KQED_SanFrancisco_Moddler3DPrinting_04082020-qut.jpg\" alt=\"\" width=\"1920\" height=\"1280\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2020/04/RS42634_014_KQED_SanFrancisco_Moddler3DPrinting_04082020-qut.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/04/RS42634_014_KQED_SanFrancisco_Moddler3DPrinting_04082020-qut-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/04/RS42634_014_KQED_SanFrancisco_Moddler3DPrinting_04082020-qut-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/04/RS42634_014_KQED_SanFrancisco_Moddler3DPrinting_04082020-qut-1020x680.jpg 1020w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003cfigcaption class=\"wp-caption-text\">Face shields being 3D printed at Moddler in San Francisco on April 8, 2020. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Jared Murnan, director of operations at San Francisco’s Moddler, a service-based 3D printing company, said he was wondering how the company could contribute to the PPE effort when officials with UCSF reached out for help.\u003c/p>\n\u003cp>“One of the people we talked to was almost in tears, explaining the situation and how dire it was,” said Murnan.\u003c/p>\n\u003cp>Since then, Murnan and his colleagues have been working with UCSF to create a face shield design that workers could use. As of April 7, the design has been approved by the hospital, and Murnan said they’re now in contact with Sutter and Kaiser to get the design approved there.\u003c/p>\n\u003cp>One roadblock Murnan said he and his more small-time colleagues encounter is capacity.\u003c/p>\n\u003cfigure id=\"attachment_11811877\" class=\"wp-caption aligncenter\" style=\"max-width: 1920px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-11811877\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/04/RS42633_013_KQED_SanFrancisco_Moddler3DPrinting_04082020-qut.jpg\" alt=\"\" width=\"1920\" height=\"1280\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2020/04/RS42633_013_KQED_SanFrancisco_Moddler3DPrinting_04082020-qut.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/04/RS42633_013_KQED_SanFrancisco_Moddler3DPrinting_04082020-qut-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/04/RS42633_013_KQED_SanFrancisco_Moddler3DPrinting_04082020-qut-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/04/RS42633_013_KQED_SanFrancisco_Moddler3DPrinting_04082020-qut-1020x680.jpg 1020w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003cfigcaption class=\"wp-caption-text\">Jared Murnan pauses the 3D printing machine at Moddler in San Francisco on April 8, 2020. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>“Most people have … one to 10 machines. Most people don’t have a fleet bigger than that unless they’re a company that actually makes the printers themselves,” said Murnan. “And so this is going to be a collective thing. Where we’re only going to be one piece of the puzzle.”\u003c/p>\n\u003cp>And some large companies \u003cem>have\u003c/em> stepped up to meet that need.\u003c/p>\n\u003cp>HP, which manufactures the HP Multi Jet Fusion 3D printer, has several 3D printing centers with capacity — more than 100 systems — in Spain, Oregon and California. To meet the global need for PPE, the company has teamed up with its partners and customers to widely manufacture it.\u003c/p>\n\u003cp>“Basically what we’re doing is working with partners and customers, but also internally … to come up with these designs, make them available, use our own capacity, actually reach out to some of our customers and partners and use their capacity for their local areas and provide parts to the medical industry,” said Tim Weber, HP’s global head for 3D metals.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>So far, Weber said HP and its affiliates have delivered tens of thousands of parts to hospitals and service providers across the world.\u003c/p>\n\u003cp>One of those partners is Oakland-based FATHOM, which has been working to create face shields, masks, ventilators and nasal swabs for COVID-19 test kits.\u003c/p>\n\u003cp>Rich Stump, the co-founder of FATHOM, says they’re currently partnering with multiple different stakeholders — including experts at HP, Harvard, Stanford and Lawrence Livermore National Labs — to get the swabs approved by the U.S. Food and Drug Administration, and then put into production.\u003c/p>\n\u003cp>“We’ve been driving the swabs from Livermore to Stanford, getting feedback and changing the design very quickly to try to get this into production,” said Stump.\u003c/p>\n\u003cp>FATHOM is currently leveraging those bigger partners to try to find medical companies who can help get the 3D printed swabs “sterilized, packaged and [then] get them out with their test kits.”\u003c/p>\n\u003cp>Stump said they hope to get the swabs into production over the next week.\u003c/p>\n\u003cp>So far, the PPE printed by FATHOM has been delivered to several different organizations, including the Alameda County Fire Department.\u003c/p>\n\u003cp>And some of the designs they’ve made are rather surprising. Stump said the company has partnered with Dolphin Scuba Center in Sacramento to convert scuba masks into PPE.\u003c/p>\n\u003cfigure id=\"attachment_11811914\" class=\"wp-caption aligncenter\" style=\"max-width: 1920px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-11811914\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/04/RS42666_FATHOM_ScubaMasksON_50-qut.jpg\" alt=\"\" width=\"1920\" height=\"1280\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2020/04/RS42666_FATHOM_ScubaMasksON_50-qut.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/04/RS42666_FATHOM_ScubaMasksON_50-qut-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/04/RS42666_FATHOM_ScubaMasksON_50-qut-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/04/RS42666_FATHOM_ScubaMasksON_50-qut-1020x680.jpg 1020w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003cfigcaption class=\"wp-caption-text\">FATHOM, in partnership with Dolphin Scuba, is manufacturing adaptors that attach filters to scuba masks, allowing them to be repurposed by medical personnel who need PPE. \u003ccite>(Courtesy of Dolphin Scuba)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>According to HP’s Weber, that kind of innovation and quick turnaround is one of the highlights of 3D printing.\u003c/p>\n\u003cp>“The power of 3D is you can design and react very quickly and go straight into digital manufacturing,” said Weber. But he also notes that the dynamic nature of the pandemic requires a flexible response. “We will do what we can to help as this thing evolves on us.”\u003c/p>\n\u003cp>For Moddler’s Jared Murnan, he said having a way to contribute and help people get through this pandemic has helped him process what’s happening.\u003c/p>\n\u003cp>“There was a significant call to action and then there’s a little bit of a game plan moving forward,” said Murnan. He said having something to do “feels rewarding and like we’re doing something to help.”\u003c/p>\n\u003cp>\u003ci>If you have a 3D printer and want to get involved, you can find the design for Moddler’s face shield \u003ca href=\"https://www.prusaprinters.org/prints/25857-prusa-face-shield\">here.\u003c/a> They plan to add the updated face shield design to their website once they have approval from Sutter and Kaiser.\u003c/i>\u003c/p>\n\u003cp>\u003ci>You can find HP’s designs \u003c/i>\u003ca style=\"font-style: italic\" href=\"https://enable.hp.com/us-en-3dprint-COVID-19-containment-applications\">here\u003c/a>\u003ci>. Hospitals can also make \u003ca href=\"https://app.smartsheet.com/b/form/86efe6ce7d70463da130e4d6be670d6b\">printing requests\u003c/a> or requests for \u003ca href=\"https://app.smartsheet.com/b/form/0f85fb04e2d44f09a799ba9475fd5d0a\">new designs\u003c/a>.\u003c/i>\u003c/p>\n\u003cp>\u003cem>If you have manufacturing capacity, or would like to request PPE from FATHOM, you can sign up \u003ca href=\"https://studiofathom.com/blog/covid-19-response\">here\u003c/a>.\u003c/em>\u003c/p>\n\u003cp>\u003c/p>\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>Since the COVID-19 pandemic began sweeping the world, hospitals have been scrambling to acquire enough personal protective equipment (PPE) to allow workers to care for those who’ve contracted the disease, without contracting it themselves.\u003c/p>\n\u003cp>As traditional manufacturers struggle to produce PPE fast enough, tech companies and members of the 3D printing community have stepped up to create the supplies desperately needed by doctors and nurses.\u003c/p>\n\u003cp>For the uninitiated, 3D printers can create objects from a digital file by stacking layers of material on top of each other until the design is finished.\u003c/p>\n\u003cp>In the interest of helping out first responders, small-time manufacturers and at-home printers have been sharing \u003ca href=\"https://m.facebook.com/groups/670932227050506\">open-source designs online\u003c/a> to help meet the need for PPE. But that desire to help isn’t without limitations. Many items that hospitals need — like N95 masks or nasal swabs — have complex designs and have to go through an approvals and sterilization process before they can be shipped out to hospitals.\u003c/p>\n\u003cp>But some items are easier to get through the process than others, like face shields.\u003c/p>\n\u003cfigure id=\"attachment_11811876\" class=\"wp-caption aligncenter\" style=\"max-width: 1920px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-11811876\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/04/RS42634_014_KQED_SanFrancisco_Moddler3DPrinting_04082020-qut.jpg\" alt=\"\" width=\"1920\" height=\"1280\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2020/04/RS42634_014_KQED_SanFrancisco_Moddler3DPrinting_04082020-qut.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/04/RS42634_014_KQED_SanFrancisco_Moddler3DPrinting_04082020-qut-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/04/RS42634_014_KQED_SanFrancisco_Moddler3DPrinting_04082020-qut-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/04/RS42634_014_KQED_SanFrancisco_Moddler3DPrinting_04082020-qut-1020x680.jpg 1020w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003cfigcaption class=\"wp-caption-text\">Face shields being 3D printed at Moddler in San Francisco on April 8, 2020. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Jared Murnan, director of operations at San Francisco’s Moddler, a service-based 3D printing company, said he was wondering how the company could contribute to the PPE effort when officials with UCSF reached out for help.\u003c/p>\n\u003cp>“One of the people we talked to was almost in tears, explaining the situation and how dire it was,” said Murnan.\u003c/p>\n\u003cp>Since then, Murnan and his colleagues have been working with UCSF to create a face shield design that workers could use. As of April 7, the design has been approved by the hospital, and Murnan said they’re now in contact with Sutter and Kaiser to get the design approved there.\u003c/p>\n\u003cp>One roadblock Murnan said he and his more small-time colleagues encounter is capacity.\u003c/p>\n\u003cfigure id=\"attachment_11811877\" class=\"wp-caption aligncenter\" style=\"max-width: 1920px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-11811877\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/04/RS42633_013_KQED_SanFrancisco_Moddler3DPrinting_04082020-qut.jpg\" alt=\"\" width=\"1920\" height=\"1280\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2020/04/RS42633_013_KQED_SanFrancisco_Moddler3DPrinting_04082020-qut.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/04/RS42633_013_KQED_SanFrancisco_Moddler3DPrinting_04082020-qut-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/04/RS42633_013_KQED_SanFrancisco_Moddler3DPrinting_04082020-qut-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/04/RS42633_013_KQED_SanFrancisco_Moddler3DPrinting_04082020-qut-1020x680.jpg 1020w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003cfigcaption class=\"wp-caption-text\">Jared Murnan pauses the 3D printing machine at Moddler in San Francisco on April 8, 2020. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>“Most people have … one to 10 machines. Most people don’t have a fleet bigger than that unless they’re a company that actually makes the printers themselves,” said Murnan. “And so this is going to be a collective thing. Where we’re only going to be one piece of the puzzle.”\u003c/p>\n\u003cp>And some large companies \u003cem>have\u003c/em> stepped up to meet that need.\u003c/p>\n\u003cp>HP, which manufactures the HP Multi Jet Fusion 3D printer, has several 3D printing centers with capacity — more than 100 systems — in Spain, Oregon and California. To meet the global need for PPE, the company has teamed up with its partners and customers to widely manufacture it.\u003c/p>\n\u003cp>“Basically what we’re doing is working with partners and customers, but also internally … to come up with these designs, make them available, use our own capacity, actually reach out to some of our customers and partners and use their capacity for their local areas and provide parts to the medical industry,” said Tim Weber, HP’s global head for 3D metals.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>So far, Weber said HP and its affiliates have delivered tens of thousands of parts to hospitals and service providers across the world.\u003c/p>\n\u003cp>One of those partners is Oakland-based FATHOM, which has been working to create face shields, masks, ventilators and nasal swabs for COVID-19 test kits.\u003c/p>\n\u003cp>Rich Stump, the co-founder of FATHOM, says they’re currently partnering with multiple different stakeholders — including experts at HP, Harvard, Stanford and Lawrence Livermore National Labs — to get the swabs approved by the U.S. Food and Drug Administration, and then put into production.\u003c/p>\n\u003cp>“We’ve been driving the swabs from Livermore to Stanford, getting feedback and changing the design very quickly to try to get this into production,” said Stump.\u003c/p>\n\u003cp>FATHOM is currently leveraging those bigger partners to try to find medical companies who can help get the 3D printed swabs “sterilized, packaged and [then] get them out with their test kits.”\u003c/p>\n\u003cp>Stump said they hope to get the swabs into production over the next week.\u003c/p>\n\u003cp>So far, the PPE printed by FATHOM has been delivered to several different organizations, including the Alameda County Fire Department.\u003c/p>\n\u003cp>And some of the designs they’ve made are rather surprising. Stump said the company has partnered with Dolphin Scuba Center in Sacramento to convert scuba masks into PPE.\u003c/p>\n\u003cfigure id=\"attachment_11811914\" class=\"wp-caption aligncenter\" style=\"max-width: 1920px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-11811914\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/04/RS42666_FATHOM_ScubaMasksON_50-qut.jpg\" alt=\"\" width=\"1920\" height=\"1280\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2020/04/RS42666_FATHOM_ScubaMasksON_50-qut.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/04/RS42666_FATHOM_ScubaMasksON_50-qut-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/04/RS42666_FATHOM_ScubaMasksON_50-qut-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/04/RS42666_FATHOM_ScubaMasksON_50-qut-1020x680.jpg 1020w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003cfigcaption class=\"wp-caption-text\">FATHOM, in partnership with Dolphin Scuba, is manufacturing adaptors that attach filters to scuba masks, allowing them to be repurposed by medical personnel who need PPE. \u003ccite>(Courtesy of Dolphin Scuba)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>According to HP’s Weber, that kind of innovation and quick turnaround is one of the highlights of 3D printing.\u003c/p>\n\u003cp>“The power of 3D is you can design and react very quickly and go straight into digital manufacturing,” said Weber. But he also notes that the dynamic nature of the pandemic requires a flexible response. “We will do what we can to help as this thing evolves on us.”\u003c/p>\n\u003cp>For Moddler’s Jared Murnan, he said having a way to contribute and help people get through this pandemic has helped him process what’s happening.\u003c/p>\n\u003cp>“There was a significant call to action and then there’s a little bit of a game plan moving forward,” said Murnan. He said having something to do “feels rewarding and like we’re doing something to help.”\u003c/p>\n\u003cp>\u003ci>If you have a 3D printer and want to get involved, you can find the design for Moddler’s face shield \u003ca href=\"https://www.prusaprinters.org/prints/25857-prusa-face-shield\">here.\u003c/a> They plan to add the updated face shield design to their website once they have approval from Sutter and Kaiser.\u003c/i>\u003c/p>\n\u003cp>\u003ci>You can find HP’s designs \u003c/i>\u003ca style=\"font-style: italic\" href=\"https://enable.hp.com/us-en-3dprint-COVID-19-containment-applications\">here\u003c/a>\u003ci>. Hospitals can also make \u003ca href=\"https://app.smartsheet.com/b/form/86efe6ce7d70463da130e4d6be670d6b\">printing requests\u003c/a> or requests for \u003ca href=\"https://app.smartsheet.com/b/form/0f85fb04e2d44f09a799ba9475fd5d0a\">new designs\u003c/a>.\u003c/i>\u003c/p>\n\u003cp>\u003cem>If you have manufacturing capacity, or would like to request PPE from FATHOM, you can sign up \u003ca href=\"https://studiofathom.com/blog/covid-19-response\">here\u003c/a>.\u003c/em>\u003c/p>\n\u003cp>\u003c/p>\n\u003c/div>\u003c/p>",
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"content": "\u003cp>\u003cb>Restaurants, Already Reeling, Face New Hurdle from Insurance Companies\u003cbr>\n\u003c/b>\u003cspan style=\"font-weight: 400\">This week, the San Francisco Board of Supervisors passed a resolution saying that COVID-19 results in property loss or damage and poses an “extreme danger” to the public. The action is intended to help small businesses such as restaurants which have been hit especially hard by the pandemic. According to the California Restaurant Association, 20 to 30 percent of restaurants in the state are at risk of closing permanently due to the crisis. Restaurants like Cassava in San Francisco and elsewhere in the state are staying open by shifting to takeout or delivery service only. Many of them have applied for federal or city funds to survive the crisis. But now they face a new hurdle as insurance companies deny claims filed for lost income because the coronavirus did not result in a direct physical loss or damage to their commercial property, according to the insurers. \u003c/span>\u003c/p>\n\u003cp>\u003cb>Guests:\u003c/b>\u003c/p>\n\u003cul>\n\u003cli style=\"font-weight: 400\">\u003cspan style=\"font-weight: 400\">Yuka Ioroi, co-owner and general manager, Cassava\u003c/span>\u003c/li>\n\u003cli style=\"font-weight: 400\">\u003cspan style=\"font-weight: 400\">Laurie Thomas, executive director, Golden Gate Restaurant Association\u003c/span>\u003c/li>\n\u003c/ul>\n\u003cp>\u003cb>Faith in the Age of Coronavirus\u003cbr>\n\u003c/b>\u003cspan style=\"font-weight: 400\">As millions of Americans stay at home to avoid the spread of the coronavirus, houses of worship are no longer places that people can gather for support and affirmation. So faith-based communities have had to adapt by conducting services online to keep their followers safe, yet spiritually connected. Still, delivering sermons in a house of worship empty of parishioners can be a challenge for religious leaders accustomed to communion with their congregation. It’s also provided an opportunity to reflect on and reimagine traditional religious holidays like Passover, Easter and Ramadan which are all taking places this month. \u003c/span>\u003c/p>\n\u003cp>\u003cb>Guests:\u003c/b>\u003c/p>\n\u003cul>\n\u003cli style=\"font-weight: 400\">\u003cspan style=\"font-weight: 400\">Rabbi Sydney Mintz, Congregation Emanu-El \u003c/span>\u003c/li>\n\u003cli style=\"font-weight: 400\">\u003cspan style=\"font-weight: 400\">Rev. Vanessa Rush Southern, First Unitarian Universalist Society of San Francisco\u003c/span>\u003c/li>\n\u003c/ul>\n\u003cp>[ad fullwidth]\u003c/p>\u003cp>\u003c/p>\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>\u003cb>Restaurants, Already Reeling, Face New Hurdle from Insurance Companies\u003cbr>\n\u003c/b>\u003cspan style=\"font-weight: 400\">This week, the San Francisco Board of Supervisors passed a resolution saying that COVID-19 results in property loss or damage and poses an “extreme danger” to the public. The action is intended to help small businesses such as restaurants which have been hit especially hard by the pandemic. According to the California Restaurant Association, 20 to 30 percent of restaurants in the state are at risk of closing permanently due to the crisis. Restaurants like Cassava in San Francisco and elsewhere in the state are staying open by shifting to takeout or delivery service only. Many of them have applied for federal or city funds to survive the crisis. But now they face a new hurdle as insurance companies deny claims filed for lost income because the coronavirus did not result in a direct physical loss or damage to their commercial property, according to the insurers. \u003c/span>\u003c/p>\n\u003cp>\u003cb>Guests:\u003c/b>\u003c/p>\n\u003cul>\n\u003cli style=\"font-weight: 400\">\u003cspan style=\"font-weight: 400\">Yuka Ioroi, co-owner and general manager, Cassava\u003c/span>\u003c/li>\n\u003cli style=\"font-weight: 400\">\u003cspan style=\"font-weight: 400\">Laurie Thomas, executive director, Golden Gate Restaurant Association\u003c/span>\u003c/li>\n\u003c/ul>\n\u003cp>\u003cb>Faith in the Age of Coronavirus\u003cbr>\n\u003c/b>\u003cspan style=\"font-weight: 400\">As millions of Americans stay at home to avoid the spread of the coronavirus, houses of worship are no longer places that people can gather for support and affirmation. So faith-based communities have had to adapt by conducting services online to keep their followers safe, yet spiritually connected. Still, delivering sermons in a house of worship empty of parishioners can be a challenge for religious leaders accustomed to communion with their congregation. It’s also provided an opportunity to reflect on and reimagine traditional religious holidays like Passover, Easter and Ramadan which are all taking places this month. \u003c/span>\u003c/p>\n\u003cp>\u003cb>Guests:\u003c/b>\u003c/p>\n\u003cul>\n\u003cli style=\"font-weight: 400\">\u003cspan style=\"font-weight: 400\">Rabbi Sydney Mintz, Congregation Emanu-El \u003c/span>\u003c/li>\n\u003cli style=\"font-weight: 400\">\u003cspan style=\"font-weight: 400\">Rev. Vanessa Rush Southern, First Unitarian Universalist Society of San Francisco\u003c/span>\u003c/li>\n\u003c/ul>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cp>Abdul Taleb, the owner of a mid-size market in Oakland’s Fruitvale district, sells meat, produce, dairy and other essential groceries to mostly Latino workers and elderly residents who live nearby.\u003c/p>\n\u003cp>But beginning last month, the coronavirus pandemic triggered panic shopping, and now Taleb and other independent grocers serving low-income Bay Area neighborhoods say they can’t replenish their stores with basic foods in high demand.\u003c/p>\n\u003cp>“It’s a problem because many of our customers depend on us to go buy their eggs, their rice, because they don’t have the resources or they don’t want to go to the big stores,” said Taleb, a Yemeni-American who speaks in fluent Spanish to his clientele at Mi Carnal Market. Many of his customers don’t have cars, he said.\u003c/p>\n\u003cp>While empty shelves are now a common sight at markets of all sizes, small store owners say they are bearing the brunt of a food supply chain strained by consumers overbuying groceries while under \u003ca href=\"https://www.kqed.org/news/11806988/sheltering-in-place-what-you-need-to-know\" target=\"_blank\" rel=\"noopener noreferrer\">shelter-in-place\u003c/a> orders. The increased demand has pushed up prices for some staples nationwide, say experts, raising costs for retailers and consumers.\u003c/p>\n\u003cp>“This hoarding behavior is unfortunate,” said Richard Sexton, a professor of agriculture and resource economics at UC Davis. “We can understand why people do it, but it is what’s causing these disruptions.”\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Members of the Bay Area Small Merchants Chamber of Commerce, which includes Taleb and about 60 other store owners, said wholesale distributors are rationing the amount of non-perishable items in high demand they can purchase, such as instant noodles, rice, beans and flour.\u003c/p>\n\u003cp>Taleb used to purchase 80 cases of flour per week, he said, but he can only get three cases these days.\u003c/p>\n\u003cp>Most alarmingly to Taleb and his customers, is that prices have skyrocketed. An 18-pack of eggs now costs him $5.50, more than double what distributors charged a month ago, he said.\u003c/p>\n\u003cp>“It’s very hard for us at this time when people are losing their jobs to charge that price,” said Taleb.\u003c/p>\n\u003cfigure id=\"attachment_11811765\" class=\"wp-caption aligncenter\" style=\"max-width: 1920px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"wp-image-11811765 size-full\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/04/RS42613_006_KQED_Oakland_MiCarnalMarket_04082020-qut.jpg\" alt=\"\" width=\"1920\" height=\"1280\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2020/04/RS42613_006_KQED_Oakland_MiCarnalMarket_04082020-qut.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/04/RS42613_006_KQED_Oakland_MiCarnalMarket_04082020-qut-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/04/RS42613_006_KQED_Oakland_MiCarnalMarket_04082020-qut-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/04/RS42613_006_KQED_Oakland_MiCarnalMarket_04082020-qut-1020x680.jpg 1020w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003cfigcaption class=\"wp-caption-text\">Taleb talks with a customer about eggs at Mi Carnal Market in Oakland on April 8, 2020. Egg prices have soared since last month. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>A regular at his market, Angeles Rocha said she has resorted to buying fewer groceries for her household and her 90-year-old mother, who lives near the store.\u003c/p>\n\u003cp>Rocha’s husband, a janitor, was recently furloughed with no pay. Rocha said she also lost her income from a childcare gig. The couple worries about how they’ll feed their three kids and pay the bills.\u003c/p>\n\u003cp>“We are not earning money. And with these prices, I don’t know what we’ll do,” she said.\u003c/p>\n\u003cp>One of Taleb’s wholesale distributors, Jetro Restaurant Depot, said manufacturers are charging higher prices and not sending enough supplies of coveted items, such as bottled water and gloves.\u003c/p>\n\u003cp>The company is limiting how much each customer can buy, to ensure there is enough to go around, said Richard Kirschner, Jetro’s president. As to the higher prices, he said that he is simply passing on the extra cost to grocery stores and other clients.\u003c/p>\n\u003cp>“We’re not making a nickel more than we used to make. We don’t charge any more,” said Kirschner.\u003c/p>\n\u003cp>[aside tag=\"coronavirus, small business\" label=\"More Coronavirus Coverage\"]For decades now, small store owners have gotten squeezed as the grocery industry consolidated, and giant corporations such as Walmart and Costco, bought higher volumes directly from producers — getting better bargains in the process.\u003c/p>\n\u003cp>The current shortages could deepen disadvantages for family-owned neighborhood stores, said Sexton, the UC Davis economist.\u003c/p>\n\u003cp>“The little guys, the small chains of just a few stores, could get the short end of the stick in this situation because food manufacturers and distributors are going to probably prioritize their biggest and best customers,” he said.\u003c/p>\n\u003cp>As California continues to fight the spread of COVID-19, Gov. Gavin Newsom issued an \u003ca href=\"https://www.gov.ca.gov/2020/04/03/governor-newsom-issues-executive-order-to-protect-consumers-from-price-gouging/\" target=\"_blank\" rel=\"noopener noreferrer\">executive order\u003c/a> last week prohibiting all merchants from raising prices on food, consumer goods, medical or emergency supplies and other items by more than 10 percent until Sept. 4, 2020.\u003c/p>\n\u003cp>Attorney General Xavier Becerra has encouraged people \u003ca href=\"http://oag.ca.gov/report\" target=\"_blank\" rel=\"noopener noreferrer\">to report\u003c/a> to his office or local law enforcement if they suspect price gouging, which is punishable as a misdemeanor.\u003c/p>\n\u003cp>But the law makes exceptions for sellers who can show that their price increase is due to additional costs imposed on them by suppliers.\u003c/p>\n\u003cp>Sexton believes that many of the grocery price increases may come from producers in other states or other parts of the world, so California authorities will be limited in their ability to enforce anti-gouging laws.\u003c/p>\n\u003cfigure id=\"attachment_11811764\" class=\"wp-caption aligncenter\" style=\"max-width: 1920px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-11811764\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/04/RS42620_013_KQED_Oakland_MiCarnalMarket_04082020-qut.jpg\" alt=\"\" width=\"1920\" height=\"1280\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2020/04/RS42620_013_KQED_Oakland_MiCarnalMarket_04082020-qut.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/04/RS42620_013_KQED_Oakland_MiCarnalMarket_04082020-qut-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/04/RS42620_013_KQED_Oakland_MiCarnalMarket_04082020-qut-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/04/RS42620_013_KQED_Oakland_MiCarnalMarket_04082020-qut-1020x680.jpg 1020w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003cfigcaption class=\"wp-caption-text\">Abdul Taleb, who has owned Mi Carnal Market in Oakland for 14 years, rings up a customer on April 8, 2020. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Oakland city councilman Loren Taylor has heard the concerns from independent grocers in his East Oakland district and other parts of the city, and he said he worries for low-income residents who rely on those markets.\u003c/p>\n\u003cp>“It’s the classic, ‘It’s more expensive to be poor,’” said Taylor, adding that there are no national brand supermarkets in District 6, which has about 64,000 residents.\u003c/p>\n\u003cp>The city’s Economic and Workforce Development department is poised to help grocers find other distributors or get \u003ca href=\"https://www.kqed.org/news/11808560/small-businesses-struggle-to-survive-during-the-coronavirus-crisis\" target=\"_blank\" rel=\"noopener noreferrer\">resources\u003c/a> for struggling businesses, said Taylor.\u003c/p>\n\u003cp>Another possibility is for Oakland to offer grocery vouchers that residents in need could use at small and medium-sized stores, said Taylor, who is exploring funding the idea with a portion of the city’s soda tax revenue.\u003c/p>\n\u003cp>Seattle has recently \u003ca href=\"https://www.seattletimes.com/seattle-news/politics/seattle-will-provide-800-in-supermarket-vouchers-to-thousands-of-families-during-coronavirus-crisis/\" target=\"_blank\" rel=\"noopener noreferrer\">dedicated\u003c/a> $5 million from its sugary beverage tax funds to provide supermarket vouchers to thousands of families who are already enrolled in city-subsidized child care and food assistance programs. The vouchers are aimed at helping families get through the coronavirus crisis.\u003c/p>\n\u003cp>In California, the current challenge to the supply chain has to do with the delivery of goods to warehouses and retailers, said Dave Heylen, a spokesman for the California Grocers Association.\u003c/p>\n\u003cp>“As one large manufacturer that produces paper products including toilet paper told me the other day, they are in production 24 hours a day but their plants only have so many docks and trucks,” said Heylen.\u003c/p>\n\u003cp>Once consumers stop overbuying, the supply chain should catch up and begin to normalize, said Heylen and other observers.\u003c/p>\n\u003cp>At Mi Carnal Market, Taleb said he hopes that happens sooner rather than later.\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n\u003cp>“At the end of the day, if we don’t have merchandise for the clients, then we don’t have business,” he said.\u003c/p>\n\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>Abdul Taleb, the owner of a mid-size market in Oakland’s Fruitvale district, sells meat, produce, dairy and other essential groceries to mostly Latino workers and elderly residents who live nearby.\u003c/p>\n\u003cp>But beginning last month, the coronavirus pandemic triggered panic shopping, and now Taleb and other independent grocers serving low-income Bay Area neighborhoods say they can’t replenish their stores with basic foods in high demand.\u003c/p>\n\u003cp>“It’s a problem because many of our customers depend on us to go buy their eggs, their rice, because they don’t have the resources or they don’t want to go to the big stores,” said Taleb, a Yemeni-American who speaks in fluent Spanish to his clientele at Mi Carnal Market. Many of his customers don’t have cars, he said.\u003c/p>\n\u003cp>While empty shelves are now a common sight at markets of all sizes, small store owners say they are bearing the brunt of a food supply chain strained by consumers overbuying groceries while under \u003ca href=\"https://www.kqed.org/news/11806988/sheltering-in-place-what-you-need-to-know\" target=\"_blank\" rel=\"noopener noreferrer\">shelter-in-place\u003c/a> orders. The increased demand has pushed up prices for some staples nationwide, say experts, raising costs for retailers and consumers.\u003c/p>\n\u003cp>“This hoarding behavior is unfortunate,” said Richard Sexton, a professor of agriculture and resource economics at UC Davis. “We can understand why people do it, but it is what’s causing these disruptions.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Members of the Bay Area Small Merchants Chamber of Commerce, which includes Taleb and about 60 other store owners, said wholesale distributors are rationing the amount of non-perishable items in high demand they can purchase, such as instant noodles, rice, beans and flour.\u003c/p>\n\u003cp>Taleb used to purchase 80 cases of flour per week, he said, but he can only get three cases these days.\u003c/p>\n\u003cp>Most alarmingly to Taleb and his customers, is that prices have skyrocketed. An 18-pack of eggs now costs him $5.50, more than double what distributors charged a month ago, he said.\u003c/p>\n\u003cp>“It’s very hard for us at this time when people are losing their jobs to charge that price,” said Taleb.\u003c/p>\n\u003cfigure id=\"attachment_11811765\" class=\"wp-caption aligncenter\" style=\"max-width: 1920px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"wp-image-11811765 size-full\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/04/RS42613_006_KQED_Oakland_MiCarnalMarket_04082020-qut.jpg\" alt=\"\" width=\"1920\" height=\"1280\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2020/04/RS42613_006_KQED_Oakland_MiCarnalMarket_04082020-qut.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/04/RS42613_006_KQED_Oakland_MiCarnalMarket_04082020-qut-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/04/RS42613_006_KQED_Oakland_MiCarnalMarket_04082020-qut-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/04/RS42613_006_KQED_Oakland_MiCarnalMarket_04082020-qut-1020x680.jpg 1020w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003cfigcaption class=\"wp-caption-text\">Taleb talks with a customer about eggs at Mi Carnal Market in Oakland on April 8, 2020. Egg prices have soared since last month. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>A regular at his market, Angeles Rocha said she has resorted to buying fewer groceries for her household and her 90-year-old mother, who lives near the store.\u003c/p>\n\u003cp>Rocha’s husband, a janitor, was recently furloughed with no pay. Rocha said she also lost her income from a childcare gig. The couple worries about how they’ll feed their three kids and pay the bills.\u003c/p>\n\u003cp>“We are not earning money. And with these prices, I don’t know what we’ll do,” she said.\u003c/p>\n\u003cp>One of Taleb’s wholesale distributors, Jetro Restaurant Depot, said manufacturers are charging higher prices and not sending enough supplies of coveted items, such as bottled water and gloves.\u003c/p>\n\u003cp>The company is limiting how much each customer can buy, to ensure there is enough to go around, said Richard Kirschner, Jetro’s president. As to the higher prices, he said that he is simply passing on the extra cost to grocery stores and other clients.\u003c/p>\n\u003cp>“We’re not making a nickel more than we used to make. We don’t charge any more,” said Kirschner.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>For decades now, small store owners have gotten squeezed as the grocery industry consolidated, and giant corporations such as Walmart and Costco, bought higher volumes directly from producers — getting better bargains in the process.\u003c/p>\n\u003cp>The current shortages could deepen disadvantages for family-owned neighborhood stores, said Sexton, the UC Davis economist.\u003c/p>\n\u003cp>“The little guys, the small chains of just a few stores, could get the short end of the stick in this situation because food manufacturers and distributors are going to probably prioritize their biggest and best customers,” he said.\u003c/p>\n\u003cp>As California continues to fight the spread of COVID-19, Gov. Gavin Newsom issued an \u003ca href=\"https://www.gov.ca.gov/2020/04/03/governor-newsom-issues-executive-order-to-protect-consumers-from-price-gouging/\" target=\"_blank\" rel=\"noopener noreferrer\">executive order\u003c/a> last week prohibiting all merchants from raising prices on food, consumer goods, medical or emergency supplies and other items by more than 10 percent until Sept. 4, 2020.\u003c/p>\n\u003cp>Attorney General Xavier Becerra has encouraged people \u003ca href=\"http://oag.ca.gov/report\" target=\"_blank\" rel=\"noopener noreferrer\">to report\u003c/a> to his office or local law enforcement if they suspect price gouging, which is punishable as a misdemeanor.\u003c/p>\n\u003cp>But the law makes exceptions for sellers who can show that their price increase is due to additional costs imposed on them by suppliers.\u003c/p>\n\u003cp>Sexton believes that many of the grocery price increases may come from producers in other states or other parts of the world, so California authorities will be limited in their ability to enforce anti-gouging laws.\u003c/p>\n\u003cfigure id=\"attachment_11811764\" class=\"wp-caption aligncenter\" style=\"max-width: 1920px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-11811764\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/04/RS42620_013_KQED_Oakland_MiCarnalMarket_04082020-qut.jpg\" alt=\"\" width=\"1920\" height=\"1280\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2020/04/RS42620_013_KQED_Oakland_MiCarnalMarket_04082020-qut.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/04/RS42620_013_KQED_Oakland_MiCarnalMarket_04082020-qut-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/04/RS42620_013_KQED_Oakland_MiCarnalMarket_04082020-qut-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2020/04/RS42620_013_KQED_Oakland_MiCarnalMarket_04082020-qut-1020x680.jpg 1020w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003cfigcaption class=\"wp-caption-text\">Abdul Taleb, who has owned Mi Carnal Market in Oakland for 14 years, rings up a customer on April 8, 2020. \u003ccite>(Beth LaBerge/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Oakland city councilman Loren Taylor has heard the concerns from independent grocers in his East Oakland district and other parts of the city, and he said he worries for low-income residents who rely on those markets.\u003c/p>\n\u003cp>“It’s the classic, ‘It’s more expensive to be poor,’” said Taylor, adding that there are no national brand supermarkets in District 6, which has about 64,000 residents.\u003c/p>\n\u003cp>The city’s Economic and Workforce Development department is poised to help grocers find other distributors or get \u003ca href=\"https://www.kqed.org/news/11808560/small-businesses-struggle-to-survive-during-the-coronavirus-crisis\" target=\"_blank\" rel=\"noopener noreferrer\">resources\u003c/a> for struggling businesses, said Taylor.\u003c/p>\n\u003cp>Another possibility is for Oakland to offer grocery vouchers that residents in need could use at small and medium-sized stores, said Taylor, who is exploring funding the idea with a portion of the city’s soda tax revenue.\u003c/p>\n\u003cp>Seattle has recently \u003ca href=\"https://www.seattletimes.com/seattle-news/politics/seattle-will-provide-800-in-supermarket-vouchers-to-thousands-of-families-during-coronavirus-crisis/\" target=\"_blank\" rel=\"noopener noreferrer\">dedicated\u003c/a> $5 million from its sugary beverage tax funds to provide supermarket vouchers to thousands of families who are already enrolled in city-subsidized child care and food assistance programs. The vouchers are aimed at helping families get through the coronavirus crisis.\u003c/p>\n\u003cp>In California, the current challenge to the supply chain has to do with the delivery of goods to warehouses and retailers, said Dave Heylen, a spokesman for the California Grocers Association.\u003c/p>\n\u003cp>“As one large manufacturer that produces paper products including toilet paper told me the other day, they are in production 24 hours a day but their plants only have so many docks and trucks,” said Heylen.\u003c/p>\n\u003cp>Once consumers stop overbuying, the supply chain should catch up and begin to normalize, said Heylen and other observers.\u003c/p>\n\u003cp>At Mi Carnal Market, Taleb said he hopes that happens sooner rather than later.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"title": "Most Property Taxes Are Still Due April 10 — Here's What You Need to Know",
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"content": "\u003cp>Property taxes are still due on April 10 in most California counties — despite the fact that county offices are closed.\u003c/p>\n\u003cp>Nearly all counties across the state have agreed to waive penalties for late payments though if you can demonstrate you’ve been impacted by the COVID-19 emergency and can’t pay right now. Those exceptions will be determined on a case-by-case basis.\u003c/p>\n\u003cp>There are some exceptions to the due date — San Mateo and San Francisco counties both extended their deadlines to May 4. But those who are able to pay are encouraged to pay now.\u003c/p>\n\u003cp>Property taxes make up a huge portion of local governments’ revenue, said Graham Knaus, the executive director of the California State Association of Counties.\u003c/p>\n\u003cp>“It’s local revenue for local services,” he said. “It is the primary funding source for critical services in the community, like public health and public safety.”\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Local schools and county hospitals are also impacted.\u003c/p>\n\u003cp>Not paying taxes could lead to cash flow problems, Knaus said, causing some cities or counties to default on their loans, which could have serious long-term impacts. You might recall when \u003ca href=\"https://www.washingtonpost.com/news/wonk/wp/2013/07/18/detroit-isnt-alone-the-u-s-cities-that-have-gone-bankrupt-in-one-map/\" target=\"_blank\" rel=\"noopener noreferrer\">some cities went bankrupt\u003c/a> following the Great Recession.\u003c/p>\n\u003cp>Here’s what you need to know if you live in one of the nine Bay Area counties. Jump to the county where you live: \u003ca href=\"#alameda\">Alameda\u003c/a>, \u003ca href=\"#contra\">Contra Costa\u003c/a>, \u003ca href=\"#marin\">Marin\u003c/a>, \u003ca href=\"#napa\">Napa\u003c/a>, \u003ca href=\"#sf\">San Francisco\u003c/a>, \u003ca href=\"#sm\">San Mateo\u003c/a>, \u003ca href=\"#sc\">Santa Clara\u003c/a>, \u003ca href=\"#solano\">Solano\u003c/a> or \u003ca href=\"#sonoma\">Sonoma\u003c/a>.\u003c/p>\n\u003cp> \u003c/p>\n\u003ch3>Alameda\u003c/h3>\n\u003cp>\u003cstrong>Property tax due date:\u003c/strong> April 10\u003cbr>\n\u003cstrong>What if I can’t pay?\u003c/strong> Beginning April 10, the Treasurer-Tax Collector’s Office will post an online form property owners can fill out to request to waive late-payment penalties. Taxpayers will need to fill out the form and sign a statement under penalty of perjury detailing why they are unable to pay on time for reasons related to the coronavirus that are beyond their control. That could include illness, unemployment, business losses or loss of rental income. Responses will be given within 60 days.\u003cbr>\n\u003cstrong>Who’s eligible for penalty forgiveness?\u003c/strong> Homeowners, small businesses and small landlords.\u003cbr>\n\u003cstrong>I can pay. How do I do that?\u003c/strong> There are no in-person payments at this time. Pay \u003ca href=\"https://acgov.org/propertytax/online.htm\" target=\"_blank\" rel=\"noopener noreferrer\">online\u003c/a>, over the phone by calling 510-272-6800 or email \u003ca href=\"mailto:ttaxpublicmail@acgov.org\">ttaxpublicmail@acgov.org\u003c/a>. You can also pay by mail by sending checks to Alameda County Treasurer & Tax Collector at 1221 Oak Street, Room 131, Oakland, CA, 94612.\u003c/p>\n\u003cp> \u003c/p>\n\u003ch3>Contra Costa\u003c/h3>\n\u003cp>\u003cstrong>Property tax due date:\u003c/strong> April 10\u003cbr>\n\u003cstrong>What if I can’t pay?\u003c/strong> You have until June 30, 2020, to request a late-payment penalty cancellation, if you make your payment in full. Partial tax payments will not be accepted. You’ll need to provide documentation demonstrating why you were late. That could include, but is not limited to, a note from a physician or medical staff, hospital release form or employer notification letter for business closure, layoff, furlough or reduced hours. The request form for a penalty cancellation will be available online or the county can mail you a copy.\u003cbr>\n\u003cstrong>Who’s eligible for penalty forgiveness?\u003c/strong> Taxpayers who can demonstrate lost income or revenue due to the coronavirus pandemic.\u003cbr>\n\u003cstrong>I can pay. How do I do that?\u003c/strong> There is no in-person payment at this time. Cash payments are not accepted. Pay \u003ca href=\"https://taxcolp.cccounty.us/taxpaymentrev3/lookup\" target=\"_blank\" rel=\"noopener noreferrer\">online \u003c/a>or through an automated phone system at (925) 957-5280. If you need a receipt for proof of payment, a copy of your tax bill with the installment’s payment date is available in “View Bill” under \u003ca href=\"https://taxcolp.cccounty.us/taxpaymentrev3/lookup\" target=\"_blank\" rel=\"noopener noreferrer\">Account Lookup\u003c/a>. You can also email \u003ca href=\"mailto:taxinfo@tax.cccounty.us\">taxinfo@tax.cccounty.us\u003c/a>. You can pay by mail by sending checks to the Contra Costa Tax Treasurer-Tax Collector’s Office at P.O. Box 631, Martinez, CA, 94553.\u003c/p>\n\u003cp> \u003c/p>\n\u003ch3>Marin\u003c/h3>\n\u003cp>\u003cstrong>Property tax due date:\u003c/strong> April 10\u003cbr>\n\u003cstrong>What if I can’t pay?\u003c/strong> Property owners in Marin County have until May 15 to request a waiver for a late-payment penalty. You must provide documentation that demonstrates you were impacted by the coronavirus either through illness, or lost income or revenue. Tax payments should be made by June 10. Waivers will be considered on a case-by-case basis.\u003cbr>\n\u003cstrong>Who’s eligible for penalty forgiveness?\u003c/strong> Homeowners, small landlords and small businesses that have fewer than 25 employees and had annual gross receipts of $7.5 million or less over the past three years.\u003cbr>\n\u003cstrong>I can pay. How do I do that?\u003c/strong> Pay \u003ca href=\"https://www.marincounty.org/depts/df/divisions/tax-collector/cancellation-of-property-tax-penalty\" target=\"_blank\" rel=\"noopener noreferrer\">online\u003c/a>, over the phone at (800) 985-7277 or by mail postmarked April 10. Answers to frequently asked questions can be \u003ca href=\"https://www.marincounty.org/depts/df/divisions/tax-collector/cancellation-of-property-tax-penalty\">found here\u003c/a>. Send checks to Marin County Tax Collector at P.O. Box 4220, San Rafael, CA, 94913.\u003c/p>\n\u003cp> \u003c/p>\n\u003ch3>Napa\u003c/h3>\n\u003cp>\u003cstrong>Property tax due date:\u003c/strong> April 10\u003cbr>\n\u003cstrong>What if I can’t pay?\u003c/strong> Beginning April 11, property owners unable to pay on time for reasons related to COVID-19 may submit a \u003ca href=\"https://www.countyofnapa.org/DocumentCenter/View/16783/Penalty-Cancellation-Request-Form\" target=\"_blank\" rel=\"noopener noreferrer\">request for penalty cancellation online\u003c/a>. The county’s Tax Collector’s Office has set up a special team to process requests for those who can demonstrate they were affected by the outbreak.\u003cbr>\n\u003cstrong>Who’s eligible for penalty forgiveness?\u003c/strong> Property owners impacted by COVID-19.\u003cbr>\n\u003cstrong>I can pay. How do I do that?\u003c/strong> Pay \u003ca href=\"https://common2.mptsweb.com/mbc/napa/tax/search/\" target=\"_blank\" rel=\"noopener noreferrer\">online here\u003c/a> or call (855) 627-2121 to pay by phone. More information about how to pay your taxes can be found \u003ca href=\"https://www.countyofnapa.org/1260/Property-Tax-Payments\" target=\"_blank\" rel=\"noopener noreferrer\">here\u003c/a>. In-person payments are discouraged, but you can mail checks to the County Administration Building at 1195 Third Street, Suite 108, Napa, CA, 94559.\u003c/p>\n\u003cp> \u003c/p>\n\u003ch3>San Francisco\u003c/h3>\n\u003cp>\u003cstrong>Property tax due date:\u003c/strong> May 4\u003cbr>\n\u003cstrong>What if I can’t pay?\u003c/strong> If you are unable to pay by May 4, you may request a waiver for a late payment at that time. You can’t request the waiver before the date that taxes are due. You should provide documentation demonstrating why you weren’t able to pay. You can submit your request \u003ca href=\"https://sftreasurer.org/business/manage-your-business/penalty-waiver-refund-request\" target=\"_blank\" rel=\"noopener noreferrer\">here\u003c/a>.\u003cbr>\n\u003cstrong>Who’s eligible for penalty forgiveness?\u003c/strong> Any taxpayers who are unable to pay their property taxes.\u003cbr>\n\u003cstrong>I can pay. How do I do that?\u003c/strong> City Hall offices are closed, but you can pay \u003ca href=\"https://www.sftreasurer.org/property/make-property-tax-payment\" target=\"_blank\" rel=\"noopener noreferrer\">online\u003c/a>. There is no cost for e-check payments. Don’t send cash. Send checks by mail to Office of the Treasurer & Tax Collector at P.O. Box 7426, San Francisco, CA, 94120-7426.\u003c/p>\n\u003cp> \u003c/p>\n\u003ch3>San Mateo\u003c/h3>\n\u003cp>\u003cstrong>Property tax due date:\u003c/strong> May 4\u003cbr>\n\u003cstrong>What if I can’t pay?\u003c/strong> Penalty forgiveness will be determined on a case-by-case basis. Penalty waiver forms can be requested after May 4, when taxes are due.\u003cbr>\n\u003cstrong>Who’s eligible for penalty forgiveness?\u003c/strong> Taxpayers who can demonstrate causes beyond their control necessitate a late payment.\u003cbr>\n\u003cstrong>I can pay. How do I do that?\u003c/strong> If you can pay now, you are encouraged to do so by \u003ca href=\"https://tax.smcgov.org/using-tax-payment-system\" target=\"_blank\" rel=\"noopener noreferrer\">paying online here\u003c/a>. Do not come to the office to pay in person. Do not send cash. You can pay by phone at (866) 220-0308. Make checks payable to Sandie Arnott, San Mateo County Tax Collector. You can mail those checks to the San Mateo County Tax Collector at PO Box 45878, San Francisco, CA 94145-0878.\u003c/p>\n\u003cp> \u003c/p>\n\u003ch3>Santa Clara\u003c/h3>\n\u003cp>\u003cstrong>Property tax due date:\u003c/strong> April 10\u003cbr>\n\u003cstrong>What if I can’t pay?\u003c/strong> Property owners who cannot pay at this time can \u003ca href=\"https://www.sccgov.org/sites/dtac/tax/Pages/request-penalty-cancellation.aspx\" target=\"_blank\" rel=\"noopener noreferrer\">request a penalty cancellation online\u003c/a>. The forms should be submitted after April 10. You can also make partial payments until your balance is paid in full, but the full balance needs to be paid by June 30. There will still be penalties for an unpaid balance after April 10, but you might be eligible for a penalty cancellation. You will have to provide documentation demonstrating why you were unable to pay on time.\u003cbr>\n\u003cstrong>Who’s eligible for penalty forgiveness?\u003c/strong> Property owners who can demonstrate they were impacted by the COVID-19 emergency.\u003cbr>\n\u003cstrong>I can pay. How do I do that?\u003c/strong> Pay \u003ca href=\"https://payments.sccgov.org/propertytax/\" target=\"_blank\" rel=\"noopener noreferrer\">online here\u003c/a> or using the county’s \u003ca href=\"https://www.sccgov.org/sites/dtac/tax/Pages/property-tax-mobile-app.aspx\" target=\"_blank\" rel=\"noopener noreferrer\">mobile phone app\u003c/a>. Send a check to the Department of Tax and Collections at PO Box 60534, City of Industry, CA 91716-0534 or Department of Tax and Collections at 70 W Hedding St., East Wing, 6th Floor, San Jose, CA 95110-1767. For more information, visit the county’s \u003ca href=\"https://www.sccgov.org/sites/dtac/tax/Pages/property-taxes-FAQ.aspx\">FAQ page\u003c/a>.\u003c/p>\n\u003cp> \u003c/p>\n\u003ch3>Solano\u003c/h3>\n\u003cp>\u003cstrong>Property tax due date:\u003c/strong> April 10\u003cbr>\n\u003cstrong>What if I can’t pay?\u003c/strong> Penalty forgiveness will be determined on a case-by-case basis. Questions can be directed to the Treasurer-Tax Collector’s Office by phone at (707) 784-7485 or by e-mail at \u003ca href=\"mailto:ttccc@solanocounty.com\">ttccc@solanocounty.com\u003c/a>.\u003cbr>\n\u003cstrong>Who’s eligible for penalty forgiveness?\u003c/strong> Taxpayers who can demonstrate causes beyond their control necessitate a late payment.\u003cbr>\n\u003cstrong>I can pay. How do I do that?\u003c/strong> Pay \u003ca href=\"http://mpay.solanocounty.com/\" target=\"_blank\" rel=\"noopener noreferrer\">online here\u003c/a>. Send a check to the mailing address indicated on the bill or through bill-pay at your bank. There are also two payment drop boxes located at 675 Texas Street, Fairfield, CA 94533 — one inside the first floor main lobby and a 24-hour drop box located on the outside of the building’s Union Street entrance.\u003c/p>\n\u003cp> \u003c/p>\n\u003ch3>Sonoma\u003c/h3>\n\u003cp>[ad floatright]\u003c/p>\n\u003cp>\u003cstrong>Property tax due date:\u003c/strong> April 10\u003cbr>\n\u003cstrong>What if I can’t pay?\u003c/strong> After April 10, the Treasurer-Tax Collector’s Office will consider written requests for a penalty waiver on a case-by-case basis for property owners who can demonstrate they were impacted by the COVID-19 emergency.\u003cbr>\n\u003cstrong>Who’s eligible for penalty forgiveness?\u003c/strong> Property owners who can demonstrate they were impacted by the coronavirus outbreak.\u003cbr>\n\u003cstrong>I can pay. How do I do that?\u003c/strong> Pay \u003ca href=\"http://sonomacounty.ca.gov/ACTTC/Revenue-Accounting/Property-Tax-Payments/\" target=\"_blank\" rel=\"noopener noreferrer\">online here\u003c/a> or by calling toll-free at (888) 636-8418 or (707) 565-2281. Checks, cashier’s checks and money order payments can be sent to the County of Sonoma Auditor-Controller-Treasurer-Tax Collector at P.O. Box 3879, Santa Rosa, CA 95402-3879. For questions and customers who can only pay in cash, contact Tax Collection staff by email at \u003ca href=\"mailto:taxcollector@sonoma-county.org\">taxcollector@sonoma-county.org\u003c/a>.\u003c/p>\n\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>Property taxes are still due on April 10 in most California counties — despite the fact that county offices are closed.\u003c/p>\n\u003cp>Nearly all counties across the state have agreed to waive penalties for late payments though if you can demonstrate you’ve been impacted by the COVID-19 emergency and can’t pay right now. Those exceptions will be determined on a case-by-case basis.\u003c/p>\n\u003cp>There are some exceptions to the due date — San Mateo and San Francisco counties both extended their deadlines to May 4. But those who are able to pay are encouraged to pay now.\u003c/p>\n\u003cp>Property taxes make up a huge portion of local governments’ revenue, said Graham Knaus, the executive director of the California State Association of Counties.\u003c/p>\n\u003cp>“It’s local revenue for local services,” he said. “It is the primary funding source for critical services in the community, like public health and public safety.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Local schools and county hospitals are also impacted.\u003c/p>\n\u003cp>Not paying taxes could lead to cash flow problems, Knaus said, causing some cities or counties to default on their loans, which could have serious long-term impacts. You might recall when \u003ca href=\"https://www.washingtonpost.com/news/wonk/wp/2013/07/18/detroit-isnt-alone-the-u-s-cities-that-have-gone-bankrupt-in-one-map/\" target=\"_blank\" rel=\"noopener noreferrer\">some cities went bankrupt\u003c/a> following the Great Recession.\u003c/p>\n\u003cp>Here’s what you need to know if you live in one of the nine Bay Area counties. Jump to the county where you live: \u003ca href=\"#alameda\">Alameda\u003c/a>, \u003ca href=\"#contra\">Contra Costa\u003c/a>, \u003ca href=\"#marin\">Marin\u003c/a>, \u003ca href=\"#napa\">Napa\u003c/a>, \u003ca href=\"#sf\">San Francisco\u003c/a>, \u003ca href=\"#sm\">San Mateo\u003c/a>, \u003ca href=\"#sc\">Santa Clara\u003c/a>, \u003ca href=\"#solano\">Solano\u003c/a> or \u003ca href=\"#sonoma\">Sonoma\u003c/a>.\u003c/p>\n\u003cp> \u003c/p>\n\u003ch3>Alameda\u003c/h3>\n\u003cp>\u003cstrong>Property tax due date:\u003c/strong> April 10\u003cbr>\n\u003cstrong>What if I can’t pay?\u003c/strong> Beginning April 10, the Treasurer-Tax Collector’s Office will post an online form property owners can fill out to request to waive late-payment penalties. Taxpayers will need to fill out the form and sign a statement under penalty of perjury detailing why they are unable to pay on time for reasons related to the coronavirus that are beyond their control. That could include illness, unemployment, business losses or loss of rental income. Responses will be given within 60 days.\u003cbr>\n\u003cstrong>Who’s eligible for penalty forgiveness?\u003c/strong> Homeowners, small businesses and small landlords.\u003cbr>\n\u003cstrong>I can pay. How do I do that?\u003c/strong> There are no in-person payments at this time. Pay \u003ca href=\"https://acgov.org/propertytax/online.htm\" target=\"_blank\" rel=\"noopener noreferrer\">online\u003c/a>, over the phone by calling 510-272-6800 or email \u003ca href=\"mailto:ttaxpublicmail@acgov.org\">ttaxpublicmail@acgov.org\u003c/a>. You can also pay by mail by sending checks to Alameda County Treasurer & Tax Collector at 1221 Oak Street, Room 131, Oakland, CA, 94612.\u003c/p>\n\u003cp> \u003c/p>\n\u003ch3>Contra Costa\u003c/h3>\n\u003cp>\u003cstrong>Property tax due date:\u003c/strong> April 10\u003cbr>\n\u003cstrong>What if I can’t pay?\u003c/strong> You have until June 30, 2020, to request a late-payment penalty cancellation, if you make your payment in full. Partial tax payments will not be accepted. You’ll need to provide documentation demonstrating why you were late. That could include, but is not limited to, a note from a physician or medical staff, hospital release form or employer notification letter for business closure, layoff, furlough or reduced hours. The request form for a penalty cancellation will be available online or the county can mail you a copy.\u003cbr>\n\u003cstrong>Who’s eligible for penalty forgiveness?\u003c/strong> Taxpayers who can demonstrate lost income or revenue due to the coronavirus pandemic.\u003cbr>\n\u003cstrong>I can pay. How do I do that?\u003c/strong> There is no in-person payment at this time. Cash payments are not accepted. Pay \u003ca href=\"https://taxcolp.cccounty.us/taxpaymentrev3/lookup\" target=\"_blank\" rel=\"noopener noreferrer\">online \u003c/a>or through an automated phone system at (925) 957-5280. If you need a receipt for proof of payment, a copy of your tax bill with the installment’s payment date is available in “View Bill” under \u003ca href=\"https://taxcolp.cccounty.us/taxpaymentrev3/lookup\" target=\"_blank\" rel=\"noopener noreferrer\">Account Lookup\u003c/a>. You can also email \u003ca href=\"mailto:taxinfo@tax.cccounty.us\">taxinfo@tax.cccounty.us\u003c/a>. You can pay by mail by sending checks to the Contra Costa Tax Treasurer-Tax Collector’s Office at P.O. Box 631, Martinez, CA, 94553.\u003c/p>\n\u003cp> \u003c/p>\n\u003ch3>Marin\u003c/h3>\n\u003cp>\u003cstrong>Property tax due date:\u003c/strong> April 10\u003cbr>\n\u003cstrong>What if I can’t pay?\u003c/strong> Property owners in Marin County have until May 15 to request a waiver for a late-payment penalty. You must provide documentation that demonstrates you were impacted by the coronavirus either through illness, or lost income or revenue. Tax payments should be made by June 10. Waivers will be considered on a case-by-case basis.\u003cbr>\n\u003cstrong>Who’s eligible for penalty forgiveness?\u003c/strong> Homeowners, small landlords and small businesses that have fewer than 25 employees and had annual gross receipts of $7.5 million or less over the past three years.\u003cbr>\n\u003cstrong>I can pay. How do I do that?\u003c/strong> Pay \u003ca href=\"https://www.marincounty.org/depts/df/divisions/tax-collector/cancellation-of-property-tax-penalty\" target=\"_blank\" rel=\"noopener noreferrer\">online\u003c/a>, over the phone at (800) 985-7277 or by mail postmarked April 10. Answers to frequently asked questions can be \u003ca href=\"https://www.marincounty.org/depts/df/divisions/tax-collector/cancellation-of-property-tax-penalty\">found here\u003c/a>. Send checks to Marin County Tax Collector at P.O. Box 4220, San Rafael, CA, 94913.\u003c/p>\n\u003cp> \u003c/p>\n\u003ch3>Napa\u003c/h3>\n\u003cp>\u003cstrong>Property tax due date:\u003c/strong> April 10\u003cbr>\n\u003cstrong>What if I can’t pay?\u003c/strong> Beginning April 11, property owners unable to pay on time for reasons related to COVID-19 may submit a \u003ca href=\"https://www.countyofnapa.org/DocumentCenter/View/16783/Penalty-Cancellation-Request-Form\" target=\"_blank\" rel=\"noopener noreferrer\">request for penalty cancellation online\u003c/a>. The county’s Tax Collector’s Office has set up a special team to process requests for those who can demonstrate they were affected by the outbreak.\u003cbr>\n\u003cstrong>Who’s eligible for penalty forgiveness?\u003c/strong> Property owners impacted by COVID-19.\u003cbr>\n\u003cstrong>I can pay. How do I do that?\u003c/strong> Pay \u003ca href=\"https://common2.mptsweb.com/mbc/napa/tax/search/\" target=\"_blank\" rel=\"noopener noreferrer\">online here\u003c/a> or call (855) 627-2121 to pay by phone. More information about how to pay your taxes can be found \u003ca href=\"https://www.countyofnapa.org/1260/Property-Tax-Payments\" target=\"_blank\" rel=\"noopener noreferrer\">here\u003c/a>. In-person payments are discouraged, but you can mail checks to the County Administration Building at 1195 Third Street, Suite 108, Napa, CA, 94559.\u003c/p>\n\u003cp> \u003c/p>\n\u003ch3>San Francisco\u003c/h3>\n\u003cp>\u003cstrong>Property tax due date:\u003c/strong> May 4\u003cbr>\n\u003cstrong>What if I can’t pay?\u003c/strong> If you are unable to pay by May 4, you may request a waiver for a late payment at that time. You can’t request the waiver before the date that taxes are due. You should provide documentation demonstrating why you weren’t able to pay. You can submit your request \u003ca href=\"https://sftreasurer.org/business/manage-your-business/penalty-waiver-refund-request\" target=\"_blank\" rel=\"noopener noreferrer\">here\u003c/a>.\u003cbr>\n\u003cstrong>Who’s eligible for penalty forgiveness?\u003c/strong> Any taxpayers who are unable to pay their property taxes.\u003cbr>\n\u003cstrong>I can pay. How do I do that?\u003c/strong> City Hall offices are closed, but you can pay \u003ca href=\"https://www.sftreasurer.org/property/make-property-tax-payment\" target=\"_blank\" rel=\"noopener noreferrer\">online\u003c/a>. There is no cost for e-check payments. Don’t send cash. Send checks by mail to Office of the Treasurer & Tax Collector at P.O. Box 7426, San Francisco, CA, 94120-7426.\u003c/p>\n\u003cp> \u003c/p>\n\u003ch3>San Mateo\u003c/h3>\n\u003cp>\u003cstrong>Property tax due date:\u003c/strong> May 4\u003cbr>\n\u003cstrong>What if I can’t pay?\u003c/strong> Penalty forgiveness will be determined on a case-by-case basis. Penalty waiver forms can be requested after May 4, when taxes are due.\u003cbr>\n\u003cstrong>Who’s eligible for penalty forgiveness?\u003c/strong> Taxpayers who can demonstrate causes beyond their control necessitate a late payment.\u003cbr>\n\u003cstrong>I can pay. How do I do that?\u003c/strong> If you can pay now, you are encouraged to do so by \u003ca href=\"https://tax.smcgov.org/using-tax-payment-system\" target=\"_blank\" rel=\"noopener noreferrer\">paying online here\u003c/a>. Do not come to the office to pay in person. Do not send cash. You can pay by phone at (866) 220-0308. Make checks payable to Sandie Arnott, San Mateo County Tax Collector. You can mail those checks to the San Mateo County Tax Collector at PO Box 45878, San Francisco, CA 94145-0878.\u003c/p>\n\u003cp> \u003c/p>\n\u003ch3>Santa Clara\u003c/h3>\n\u003cp>\u003cstrong>Property tax due date:\u003c/strong> April 10\u003cbr>\n\u003cstrong>What if I can’t pay?\u003c/strong> Property owners who cannot pay at this time can \u003ca href=\"https://www.sccgov.org/sites/dtac/tax/Pages/request-penalty-cancellation.aspx\" target=\"_blank\" rel=\"noopener noreferrer\">request a penalty cancellation online\u003c/a>. The forms should be submitted after April 10. You can also make partial payments until your balance is paid in full, but the full balance needs to be paid by June 30. There will still be penalties for an unpaid balance after April 10, but you might be eligible for a penalty cancellation. You will have to provide documentation demonstrating why you were unable to pay on time.\u003cbr>\n\u003cstrong>Who’s eligible for penalty forgiveness?\u003c/strong> Property owners who can demonstrate they were impacted by the COVID-19 emergency.\u003cbr>\n\u003cstrong>I can pay. How do I do that?\u003c/strong> Pay \u003ca href=\"https://payments.sccgov.org/propertytax/\" target=\"_blank\" rel=\"noopener noreferrer\">online here\u003c/a> or using the county’s \u003ca href=\"https://www.sccgov.org/sites/dtac/tax/Pages/property-tax-mobile-app.aspx\" target=\"_blank\" rel=\"noopener noreferrer\">mobile phone app\u003c/a>. Send a check to the Department of Tax and Collections at PO Box 60534, City of Industry, CA 91716-0534 or Department of Tax and Collections at 70 W Hedding St., East Wing, 6th Floor, San Jose, CA 95110-1767. For more information, visit the county’s \u003ca href=\"https://www.sccgov.org/sites/dtac/tax/Pages/property-taxes-FAQ.aspx\">FAQ page\u003c/a>.\u003c/p>\n\u003cp> \u003c/p>\n\u003ch3>Solano\u003c/h3>\n\u003cp>\u003cstrong>Property tax due date:\u003c/strong> April 10\u003cbr>\n\u003cstrong>What if I can’t pay?\u003c/strong> Penalty forgiveness will be determined on a case-by-case basis. Questions can be directed to the Treasurer-Tax Collector’s Office by phone at (707) 784-7485 or by e-mail at \u003ca href=\"mailto:ttccc@solanocounty.com\">ttccc@solanocounty.com\u003c/a>.\u003cbr>\n\u003cstrong>Who’s eligible for penalty forgiveness?\u003c/strong> Taxpayers who can demonstrate causes beyond their control necessitate a late payment.\u003cbr>\n\u003cstrong>I can pay. How do I do that?\u003c/strong> Pay \u003ca href=\"http://mpay.solanocounty.com/\" target=\"_blank\" rel=\"noopener noreferrer\">online here\u003c/a>. Send a check to the mailing address indicated on the bill or through bill-pay at your bank. There are also two payment drop boxes located at 675 Texas Street, Fairfield, CA 94533 — one inside the first floor main lobby and a 24-hour drop box located on the outside of the building’s Union Street entrance.\u003c/p>\n\u003cp> \u003c/p>\n\u003ch3>Sonoma\u003c/h3>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>\u003cstrong>Property tax due date:\u003c/strong> April 10\u003cbr>\n\u003cstrong>What if I can’t pay?\u003c/strong> After April 10, the Treasurer-Tax Collector’s Office will consider written requests for a penalty waiver on a case-by-case basis for property owners who can demonstrate they were impacted by the COVID-19 emergency.\u003cbr>\n\u003cstrong>Who’s eligible for penalty forgiveness?\u003c/strong> Property owners who can demonstrate they were impacted by the coronavirus outbreak.\u003cbr>\n\u003cstrong>I can pay. How do I do that?\u003c/strong> Pay \u003ca href=\"http://sonomacounty.ca.gov/ACTTC/Revenue-Accounting/Property-Tax-Payments/\" target=\"_blank\" rel=\"noopener noreferrer\">online here\u003c/a> or by calling toll-free at (888) 636-8418 or (707) 565-2281. Checks, cashier’s checks and money order payments can be sent to the County of Sonoma Auditor-Controller-Treasurer-Tax Collector at P.O. Box 3879, Santa Rosa, CA 95402-3879. For questions and customers who can only pay in cash, contact Tax Collection staff by email at \u003ca href=\"mailto:taxcollector@sonoma-county.org\">taxcollector@sonoma-county.org\u003c/a>.\u003c/p>\n\n\u003c/div>\u003c/p>",
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},
"closealltabs": {
"id": "closealltabs",
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"order": 1
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"title": "Code Switch / Life Kit",
"info": "\u003cem>Code Switch\u003c/em>, which listeners will hear in the first part of the hour, has fearless and much-needed conversations about race. Hosted by journalists of color, the show tackles the subject of race head-on, exploring how it impacts every part of society — from politics and pop culture to history, sports and more.\u003cbr />\u003cbr />\u003cem>Life Kit\u003c/em>, which will be in the second part of the hour, guides you through spaces and feelings no one prepares you for — from finances to mental health, from workplace microaggressions to imposter syndrome, from relationships to parenting. The show features experts with real world experience and shares their knowledge. Because everyone needs a little help being human.\u003cbr />\u003cbr />\u003ca href=\"https://www.npr.org/podcasts/510312/codeswitch\">\u003cem>Code Switch\u003c/em> offical site and podcast\u003c/a>\u003cbr />\u003ca href=\"https://www.npr.org/lifekit\">\u003cem>Life Kit\u003c/em> offical site and podcast\u003c/a>\u003cbr />",
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"id": "commonwealth-club",
"title": "Commonwealth Club of California Podcast",
"info": "The Commonwealth Club of California is the nation's oldest and largest public affairs forum. As a non-partisan forum, The Club brings to the public airwaves diverse viewpoints on important topics. The Club's weekly radio broadcast - the oldest in the U.S., dating back to 1924 - is carried across the nation on public radio stations and is now podcasting. Our website archive features audio of our recent programs, as well as selected speeches from our long and distinguished history. This podcast feed is usually updated twice a week and is always un-edited.",
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"source": "Commonwealth Club of California"
},
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"title": "Forum",
"tagline": "The conversation starts here",
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"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/Forum-Podcast-Tile-703x703-1.jpg",
"imageAlt": "KQED Forum with Mina Kim and Alexis Madrigal",
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"order": 9
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"meta": {
"site": "radio",
"source": "WNYC"
},
"link": "/radio/program/freakonomics-radio",
"subscribe": {
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"apple": "https://itunes.apple.com/us/podcast/freakonomics-radio/id354668519",
"tuneIn": "https://tunein.com/podcasts/WNYC-Podcasts/Freakonomics-Radio-p272293/",
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},
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"id": "fresh-air",
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"apple": "https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?s=143441&mt=2&id=214089682&at=11l79Y&ct=nprdirectory",
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"info": "A live production of NPR and WBUR Boston, in collaboration with stations across the country, Here & Now reflects the fluid world of news as it's happening in the middle of the day, with timely, in-depth news, interviews and conversation. Hosted by Robin Young, Jeremy Hobson and Tonya Mosley.",
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"hidden-brain": {
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"airtime": "SUN 7pm-8pm",
"meta": {
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"source": "NPR"
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"how-i-built-this": {
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"info": "Guy Raz dives into the stories behind some of the world's best known companies. How I Built This weaves a narrative journey about innovators, entrepreneurs and idealists—and the movements they built.",
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"airtime": "SUN 7:30pm-8pm",
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"link": "/radio/program/how-i-built-this",
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"hyphenacion": {
"id": "hyphenacion",
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"tagline": "Where conversation and cultura meet",
"info": "What kind of no sabo word is Hyphenación? For us, it’s about living within a hyphenation. Like being a third-gen Mexican-American from the Texas border now living that Bay Area Chicano life. Like Xorje! Each week we bring together a couple of hyphenated Latinos to talk all about personal life choices: family, careers, relationships, belonging … everything is on the table. ",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2025/03/Hyphenacion_FinalAssets_PodcastTile.png",
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"order": 15
},
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"jerrybrown": {
"id": "jerrybrown",
"title": "The Political Mind of Jerry Brown",
"tagline": "Lessons from a lifetime in politics",
"info": "The Political Mind of Jerry Brown brings listeners the wisdom of the former Governor, Mayor, and presidential candidate. Scott Shafer interviewed Brown for more than 40 hours, covering the former governor's life and half-century in the political game and Brown has some lessons he'd like to share. ",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/The-Political-Mind-of-Jerry-Brown-Podcast-Tile-703x703-1.jpg",
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"order": 18
},
"link": "/podcasts/jerrybrown",
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},
"latino-usa": {
"id": "latino-usa",
"title": "Latino USA",
"airtime": "MON 1am-2am, SUN 6pm-7pm",
"info": "Latino USA, the radio journal of news and culture, is the only national, English-language radio program produced from a Latino perspective.",
"imageSrc": "https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/04/latinoUsa.jpg",
"officialWebsiteLink": "http://latinousa.org/",
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"link": "/radio/program/latino-usa",
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"apple": "https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?s=143441&mt=2&id=79681317&at=11l79Y&ct=nprdirectory",
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"rss": "https://feeds.npr.org/510016/podcast.xml"
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},
"marketplace": {
"id": "marketplace",
"title": "Marketplace",
"info": "Our flagship program, helmed by Kai Ryssdal, examines what the day in money delivered, through stories, conversations, newsworthy numbers and more. Updated Monday through Friday at about 3:30 p.m. PT.",
"airtime": "MON-FRI 4pm-4:30pm, MON-WED 6:30pm-7pm",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/Marketplace-Podcast-Tile-360x360-1.jpg",
"officialWebsiteLink": "https://www.marketplace.org/",
"meta": {
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"source": "American Public Media"
},
"link": "/radio/program/marketplace",
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},
"masters-of-scale": {
"id": "masters-of-scale",
"title": "Masters of Scale",
"info": "Masters of Scale is an original podcast in which LinkedIn co-founder and Greylock Partner Reid Hoffman sets out to describe and prove theories that explain how great entrepreneurs take their companies from zero to a gazillion in ingenious fashion.",
"airtime": "Every other Wednesday June 12 through October 16 at 8pm (repeats Thursdays at 2am)",
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"meta": {
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"rss": "https://rss.art19.com/masters-of-scale"
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},
"mindshift": {
"id": "mindshift",
"title": "MindShift",
"tagline": "A podcast about the future of learning and how we raise our kids",
"info": "The MindShift podcast explores the innovations in education that are shaping how kids learn. Hosts Ki Sung and Katrina Schwartz introduce listeners to educators, researchers, parents and students who are developing effective ways to improve how kids learn. We cover topics like how fed-up administrators are developing surprising tactics to deal with classroom disruptions; how listening to podcasts are helping kids develop reading skills; the consequences of overparenting; and why interdisciplinary learning can engage students on all ends of the traditional achievement spectrum. This podcast is part of the MindShift education site, a division of KQED News. KQED is an NPR/PBS member station based in San Francisco. You can also visit the MindShift website for episodes and supplemental blog posts or tweet us \u003ca href=\"https://twitter.com/MindShiftKQED\">@MindShiftKQED\u003c/a> or visit us at \u003ca href=\"/mindshift\">MindShift.KQED.org\u003c/a>",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/Mindshift-Podcast-Tile-703x703-1.jpg",
"imageAlt": "KQED MindShift: How We Will Learn",
"officialWebsiteLink": "/mindshift/",
"meta": {
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"source": "kqed",
"order": 12
},
"link": "/podcasts/mindshift",
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"google": "https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vS1FJTkM1NzY0NjAwNDI5",
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},
"morning-edition": {
"id": "morning-edition",
"title": "Morning Edition",
"info": "\u003cem>Morning Edition\u003c/em> takes listeners around the country and the world with multi-faceted stories and commentaries every weekday. Hosts Steve Inskeep, David Greene and Rachel Martin bring you the latest breaking news and features to prepare you for the day.",
"airtime": "MON-FRI 3am-9am",
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"link": "/radio/program/morning-edition"
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"onourwatch": {
"id": "onourwatch",
"title": "On Our Watch",
"tagline": "Deeply-reported investigative journalism",
"info": "For decades, the process for how police police themselves has been inconsistent – if not opaque. In some states, like California, these proceedings were completely hidden. After a new police transparency law unsealed scores of internal affairs files, our reporters set out to examine these cases and the shadow world of police discipline. On Our Watch brings listeners into the rooms where officers are questioned and witnesses are interrogated to find out who this system is really protecting. Is it the officers, or the public they've sworn to serve?",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/On-Our-Watch-Podcast-Tile-703x703-1.jpg",
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"officialWebsiteLink": "/podcasts/onourwatch",
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"source": "kqed",
"order": 11
},
"link": "/podcasts/onourwatch",
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"google": "https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5ucHIub3JnLzUxMDM2MC9wb2RjYXN0LnhtbD9zYz1nb29nbGVwb2RjYXN0cw",
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},
"on-the-media": {
"id": "on-the-media",
"title": "On The Media",
"info": "Our weekly podcast explores how the media 'sausage' is made, casts an incisive eye on fluctuations in the marketplace of ideas, and examines threats to the freedom of information and expression in America and abroad. For one hour a week, the show tries to lift the veil from the process of \"making media,\" especially news media, because it's through that lens that we see the world and the world sees us",
"airtime": "SUN 2pm-3pm, MON 12am-1am",
"imageSrc": "https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/04/onTheMedia.png",
"officialWebsiteLink": "https://www.wnycstudios.org/shows/otm",
"meta": {
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},
"link": "/radio/program/on-the-media",
"subscribe": {
"apple": "https://itunes.apple.com/us/podcast/on-the-media/id73330715?mt=2",
"tuneIn": "https://tunein.com/radio/On-the-Media-p69/",
"rss": "http://feeds.wnyc.org/onthemedia"
}
},
"pbs-newshour": {
"id": "pbs-newshour",
"title": "PBS NewsHour",
"info": "Analysis, background reports and updates from the PBS NewsHour putting today's news in context.",
"airtime": "MON-FRI 3pm-4pm",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/PBS-News-Hour-Podcast-Tile-360x360-1.jpg",
"officialWebsiteLink": "https://www.pbs.org/newshour/",
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},
"link": "/radio/program/pbs-newshour",
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"apple": "https://itunes.apple.com/us/podcast/pbs-newshour-full-show/id394432287?mt=2",
"tuneIn": "https://tunein.com/radio/PBS-NewsHour---Full-Show-p425698/",
"rss": "https://www.pbs.org/newshour/feeds/rss/podcasts/show"
}
},
"perspectives": {
"id": "perspectives",
"title": "Perspectives",
"tagline": "KQED's series of daily listener commentaries since 1991",
"info": "KQED's series of daily listener commentaries since 1991.",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2025/01/Perspectives_Tile_Final.jpg",
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"officialWebsiteLink": "/perspectives/",
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"order": 14
},
"link": "/perspectives",
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},
"planet-money": {
"id": "planet-money",
"title": "Planet Money",
"info": "The economy explained. Imagine you could call up a friend and say, Meet me at the bar and tell me what's going on with the economy. Now imagine that's actually a fun evening.",
"airtime": "SUN 3pm-4pm",
"imageSrc": "https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/04/planetmoney.jpg",
"officialWebsiteLink": "https://www.npr.org/sections/money/",
"meta": {
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"source": "npr"
},
"link": "/radio/program/planet-money",
"subscribe": {
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