Alabama Local & Small Business News, Economics & Finance News Articles

","type":"facebook-video","version":"1.0","url":"https://www.facebook.com/gatoralleyfarm/videos/606043459985970/","width":500,"_id":"https://www.facebook.com/gatoralleyfarm/videos/606043459985970/","additional_properties":{"comments":[],"_id":"TEA6U5ZMGFDMFIB25HTEMOQANY"}},"referent":{"id":"https://www.facebook.com/gatoralleyfarm/videos/606043459985970/","service":"oembed","type":"facebook-video","provider":"https://www.facebook.com/plugins/video/oembed.json/?url=","referent_properties":{"additional_properties":{"comments":[],"_id":"TEA6U5ZMGFDMFIB25HTEMOQANY"}}}},{"_id":"3WRAUWT5WZD23OJZZVP2M5ROKI","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587569409493},"content":"“The bigger stuff we feed them, the more people watch,” Moore said."},{"_id":"OTNXHCRQU5C4XJ4LO25WST65EU","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587569409494},"content":"The Facebook videos are nothing new – Alligator Alley, which started in 2004, has been broadcasting live videos year-round. But the videos, before coronavirus, were not done on a daily basis. Moore and his staff had other priorities in tending with the visiting public that show up and watch the daily feedings live and in person."},{"_id":"CQZ7H7ROTNDBJPYWEHHHMPFY5E","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587569409495},"content":"“It’s kind of hard to break off and do things like that when you have a massive crowd watching it in person,” said Moore."},{"_id":"SWF6543VERARPIHON3HR7KSBEI","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587569409496},"content":"The daily videos during the pandemic while the park is closed, Moore said, “helps keep my sanity.”"},{"_id":"7EHOY5W765GCDHJUNAKJLIMKSQ","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587569409497},"content":"The Facebook videos begin around 11 a.m. every weekday morning. At the same time, he’s preparing the sanctuary for its reopening by addressing social distancing requirements and other measures."},{"_id":"VXDSYGNRERDC7J2IEKM2UFNQ6E","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587569409498},"content":"A reopening date is unknown. Ivey, on Tuesday, said that Alabama’s “stay at home” order is in effect until April 30, and did not hint that a reopening of the economy is imminent. She said she’s concerned about a lack of widespread testing for the virus."},{"_id":"XTDXQKQRL5FWNNFWD3NOJCPNZQ","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587569409499},"content":"Alligator Alley has been closed to the public since March, after the strict social distancing guidelines went into effect. The sanctuary is operated similar to a zoo in that essential staff need to stay on site to feed the animals and clean up after them."},{"_id":"DNFAYRST2VEHXKWGXPVSFZN7QM","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587569409500},"content":"“Animals still have to eat, and they still have their routines and you have to maintain them up to a standard of care,” said Moore."},{"_id":"72R3T2M7CJAOHASROXSRBDP3YU","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587569409501},"content":"He said his staff has been planting more flower beds and gardens throughout the sanctuary since the shutdown started."},{"_id":"ACGKH7ZZ4ZGCPOU325KZZYU3QQ","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587569409502},"content":"“I have more flower gardens now than Bellingrath Gardens,” said Moore, jokingly referring to the famed Mobile County estate and floral gardens that draws more than 110,000 visitors annually."},{"_id":"XYOHS6L7EZDVFBT76TGACWML2M","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587569409503},"content":"Moore said he has enough of a stockpile of food for the alligators to last another six weeks, even if additional feral pigs are not dropped off on site."},{"_id":"QF2FAZPOPBHUVJAWDM5DR6IUR4","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587569409504},"content":"The longer the shutdown goes, Moore said, the likelihood of Alligator Alley’s food reserves being somewhat depleted goes up."},{"_id":"XOPTNHIJO5DGRFXOA4GHH7ZPKU","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587569409505},"content":"“I typically don’t like to reach into my reserves until August or September,” he said. “Here I am dragging stuff out of the freezer and it’s April. But we’ll get through it.”"},{"_id":"GXPMCQ52SBE4FBQS64ZHS3PSQU","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587569409506},"content":"Moore started up Alligator Alley in 2004, as a sanctuary for alligators rescued from dangerous places at an unassuming Baldwin County farm that had been in operation since 1939."},{"_id":"DDMNO2WMR5FMBJWYP5IZGKSBBU","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587569409507},"content":"The animals transported to Alligator Alley are considered “nuisance animals,” in that they are unafraid of humans, which makes them dangerous for remaining in the wild. According to the sanctuary’s website, any alligator over 4 feet in length is determined to be dangerous to humans or their property and must be removed."},{"_id":"DYEE5GIVTBGK3CIQTS2DJNTRPM","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587569409508},"content":"Moore said he has about 10 alligators that exceed 13 feet, and another 30 that exceed 12 feet in length."},{"_id":"BBKP47ML3FB65BJ67QUR6LNYXA","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587569409509},"content":"“We’re like Jurassic Park,” he said."},{"_id":"4QZE4LRWRRDVLPW3AONTC3PW7M","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587569409510},"content":"Moore said he’s received criticism from some online viewers, but said it’s less than 1% of those who watch."},{"_id":"3QZ2DCW73FBNLDRQJU47J7VNK4","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587569409511},"content":"“I get a tenth of a percent of people who say, ‘that’s so cruel and you feed pigs (to the alligators) and should be shot,’” said Moore. “Some people toss in physical violent threats my way. Some people you cannot argue with and I am not going to argue.”"},{"_id":"SXMXK2WWXBF47BQYPPJVLXZCOE","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587569409512},"content":"The alligators raised at Alligator Alley are donated to zoological parks, nature centers and educational centers. And he doesn’t have anything in common with Joe Exotic, star of Netflix’s “Tiger King: Murder, Mayhem and Madness.” He doesn’t kill the animals on site."},{"_id":"IIYNIF27RRENRLPO7WTDMRW4TQ","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587569409513},"content":"“I don’t hatch but 30 hatchlings a year,” said Moore. “I have an agreement. I don’t eat alligators and they don’t eat me.”"},{"_id":"RSE3OZCJ2VGDNEDWLIUE6USPFM","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587569409514},"content":"The sanctuary has been a little-known tourist attraction over the years. Its located off Alabama State Route 59, north of Foley and is stop-off for families and touring groups who visit Alabama’s beaches. But the sanctuary is hidden behind a winding road far removed from the bustle of the vacationing travelers."},{"_id":"ZUYAEVUMWBCVXEUDYTR6KLO3AE","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587569409515},"content":"The Facebook videos have spurred interest, he said, even from people who live near the sanctuary who were previously unaware it existed."},{"_id":"W33A3KPMAFH7LN2QSHWQVBWGKU","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587569409516},"content":"“It’s surprising how many people who live in Baldwin County don’t realize we exist,” said Moore. “I’ve had several people say that they don’t live but 10 to 15 minutes from here (and didn’t know the sanctuary existed). The folks who know about us are chomping at the bit to get back and we’ve had a lot of emails and messages from people across the country who say we are booked for June and July and that they are coming.”"},{"type":"oembed_response","subtype":"facebook-video","_id":"W4JK3ZIPPZBL3JYZZ47T66G46E","raw_oembed":{"author_name":"Alligator Alley","author_url":"https://www.facebook.com/gatoralleyfarm/","provider_url":"https://www.facebook.com","provider_name":"Facebook","success":true,"height":889,"html":"

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He waved, he twirled, he clicked his heels and he pointed cars toward the shop behind him."},{"_id":"454PAK5KNNCA7NYHN3NFIDYMS4","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587513126049},"content":"Ben Wilson’s antics worked."},{"_id":"CD76T5NKVNFQVNMJNWMADTNGTY","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587513126050},"content":"The barista brought in several new customers to the Ross House Coffee Roastery in Auburn nestled next to a giant apartment building. Wilson’s dancing coffee cup routine is one of many creative and proactive measures coffee shops are taking to not only keep their regular customers coming in but to try to add new business during the coronavirus pandemic."},{"type":"oembed_response","subtype":"instagram","_id":"YTJ3VDJJ4RD6ZFQYF4P33SLNC4","raw_oembed":{"version":"1.0","title":"Jumping into and dancing through Friday! Give us a wave as you drive by and Remember... even if things feel strange right now God is still on the Throne. If we can all give him our attitudes, fears and opinions... he can give us what is so much better! Choose joy! Choose kindness! Choose faith, support and prayer! And laugh a little for the right reasons. I promise it really does boost your immune system... and your mood and outlook.","author_name":"rosshousecoffee","author_url":"https://www.instagram.com/rosshousecoffee","author_id":4910815455,"media_id":"2274161689905417736_4910815455","provider_name":"Instagram","provider_url":"https://www.instagram.com","type":"instagram","width":658,"height":null,"html":"

View this post on Instagram

Jumping into and dancing through Friday! Give us a wave as you drive by and Remember... even if things feel strange right now God is still on the Throne. If we can all give him our attitudes, fears and opinions... he can give us what is so much better! Choose joy! Choose kindness! Choose faith, support and prayer! And laugh a little for the right reasons. I promise it really does boost your immune system... and your mood and outlook.

A post shared by Ross House Coffee (@rosshousecoffee) on Mar 27, 2020 at 8:00am PDT

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Many either closed their cafes earlier than the day the state demanded that all dining rooms close, or were ready to do so by the day the order came."},{"_id":"NXH4LWVIAZB4FO66DILFPSPLRU","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587513126053},"content":"In some ways, it was easier for coffee shops to make that call than restaurants, Sarah Gill, the owner of Mama Mocha’s in Auburn said. Baristas are usually paid at least minimum wage plus tips while restaurant servers are paid less than minimum wage and rely on tips for their income. Switching to carry out, which doesn’t usually generate as many tips, would have less of an impact on the baristas who have that guaranteed wage. Coffee shops also run on a smaller staff, so less shifts would have to be cut."},{"_id":"6TGUGP6TA5B3TG3JOXLFXMGHGE","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587513126054},"content":"Beyond the logistics, the coffee industry is a proactive industry in general, Gill said. Gill, who keeps in contact with shop owners from all over, said they tend to be very socially aware. On a global level, they need to know what’s happening because America imports its beans from other countries, so Gill had a good idea of what was happening in Italy. Christian and Courtney Hilley, the owners of Chaleur in Mobile, said they started planning as early as March 9 because of what they had been reading."},{"_id":"B6HXD2GSMBCFVGLUWOZZIBPE7Y","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587513126055},"content":"Successful coffee shops are also very in tune with their communities because most of them serve as a gathering place. The friendly neighborhood culture many of them cultivate allows them to know how their community is feeling about topics, like worries over the coronavirus, but it also became a big reason the shops decided to close their cafes."},{"_id":"ELKE6ZCSD5FUJDTLY7HLDHBDEI","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587513126056},"content":"With schools shut down, people were flooding to their coffee shops. As the baristas tried to sanitize everything, they saw people sneezing and coughing and then touching things, and they realized they just couldn’t keep up, Gill said. It was also hard to police customers, Christy Grazes, the owner of Honest Coffee in Huntsville said. Grazes had placed tables six feet apart, but people still moved closer."},{"_id":"M6O5I4SWUZE6XDYTURI64T3VXE","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587513126057},"content":"“We just thought for simplicity’s sake and public safety, it would just be a lot easier to go to to-go only,” Grazes said. “Honestly, it was just kind of an easy decision to make.”"},{"_id":"5M3QNBBY2JGQDMBCWDULLXLUJU","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587513126058},"content":"Once their cafes closed, the owners and their baristas started brainstorming ways to make themselves stand out in ways that were both accessible and safe beyond carryout, delivery and pickup options. Fortunately, creativity and survival instincts are two things that characterize those who find success in the coffee business."},{"_id":"VTUJHBRPKFFTJNHIRPPUGARYKU","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587513126059},"content":"As small businesses, coffee shops are already used to finding ways to stand out through their aesthetic, seasonal menus and roasting techniques. If they don’t, then they won’t survive, whether there’s a pandemic or not."},{"_id":"CJZ2LSUAYRDO3NC6EC4XEPKYFU","type":"header","level":4,"additional_properties":{"comments":[],"inline_comments":[],"_id":1587564830969},"content":"READ: Ivey urges Congress to replenish tapped out business loan program"},{"_id":"7TQFEYEMPFGI5AFAXIX3JDY7DE","additional_properties":{"fullSizeResizeUrl":"/photo/resize/neXGBaOg6XXWmdEO71tU9uNGLJE=/arc-anglerfish-arc2-prod-advancelocal/public/7TQFEYEMPFGI5AFAXIX3JDY7DE.jpg","galleries":[],"ingestionMethod":"manual","keywords":[""],"mime_type":"image/jpeg","originalName":"Han_Giana_Coronavirus-2.jpg","originalUrl":"https://arc-anglerfish-arc2-prod-advancelocal.s3.amazonaws.com/public/7TQFEYEMPFGI5AFAXIX3JDY7DE.jpg","owner":"gh[email protected]","proxyUrl":"/photo/resize/neXGBaOg6XXWmdEO71tU9uNGLJE=/arc-anglerfish-arc2-prod-advancelocal/public/7TQFEYEMPFGI5AFAXIX3JDY7DE.jpg","published":true,"resizeUrl":"http://thumbor-prod-us-east-1.photo.aws.arc.pub/neXGBaOg6XXWmdEO71tU9uNGLJE=/arc-anglerfish-arc2-prod-advancelocal/public/7TQFEYEMPFGI5AFAXIX3JDY7DE.jpg","restricted":false,"takenOn":"2020-04-06T10:43:24Z","thumbnailResizeUrl":"http://thumbor-prod-us-east-1.photo.aws.arc.pub/mbSeM23DMPUJ-aS1OIlLBnKk3rE=/300x0/arc-anglerfish-arc2-prod-advancelocal/public/7TQFEYEMPFGI5AFAXIX3JDY7DE.jpg","version":0,"template_id":7,"comments":[],"_id":"AYTYSZEXPNB6NKFVT3UZWDUEXE"},"address":{},"caption":"Ross House Coffee Roastery has come up with a seasonal menu during the coronavirus pandemic shutdown. (Photo by Giana Han)","created_date":"2020-04-21T23:43:16Z","credits":{"affiliation":[],"by":[{"byline":"Giana han","name":"Giana han","type":"author"}]},"height":4000,"image_type":"photograph","last_updated_date":"2020-04-21T23:43:16Z","licensable":false,"owner":{"id":"advancelocal","sponsored":false},"source":{"additional_properties":{"editor":"photo center"},"edit_url":"https://advancelocal.arcpublishing.com/photo/7TQFEYEMPFGI5AFAXIX3JDY7DE","system":"photo center"},"subtitle":"Ross House Coffee","taxonomy":{"associated_tasks":[]},"type":"image","url":"https://arc-anglerfish-arc2-prod-advancelocal.s3.amazonaws.com/public/7TQFEYEMPFGI5AFAXIX3JDY7DE.jpg","version":"0.10.3","width":6000,"resized_urls":{"original":"https://arc-anglerfish-arc2-prod-advancelocal.s3.amazonaws.com/public/7TQFEYEMPFGI5AFAXIX3JDY7DE.jpg","large":"https://www.al.com/resizer/dD_EOIr2KnmD6J4izDXFpxFaCOI=/1280x0/smart/arc-anglerfish-arc2-prod-advancelocal.s3.amazonaws.com/public/7TQFEYEMPFGI5AFAXIX3JDY7DE.jpg","medium":"https://www.al.com/resizer/7JG0dGqfDCgVnThrzbp3HlqfhXU=/700x0/smart/arc-anglerfish-arc2-prod-advancelocal.s3.amazonaws.com/public/7TQFEYEMPFGI5AFAXIX3JDY7DE.jpg","small":"https://www.al.com/resizer/hSXw_t0Hn4_Sl9l0Fhtbsh_n2CI=/450x0/smart/arc-anglerfish-arc2-prod-advancelocal.s3.amazonaws.com/public/7TQFEYEMPFGI5AFAXIX3JDY7DE.jpg","x_small":"https://www.al.com/resizer/hlBcx7hX1aJoDq89igVNy9Dvfto=/180x0/smart/arc-anglerfish-arc2-prod-advancelocal.s3.amazonaws.com/public/7TQFEYEMPFGI5AFAXIX3JDY7DE.jpg"}},{"_id":"X6ITPS2AAZHVVE2TE4RAQJQEIQ","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587513126061},"content":"The shops have added online ordering, something several were already looking to do, and they have started to emphasize the retail aspect of their business, selling beans, mugs and shirts, among other things. They’ve also expanded their menus. Ross House added drinks with themed names like “No COVID-19,” “Sanitizer” and “Wash your hands” as it sells from its coffee stand (which is like a lemonade stand but with coffee). Mama Mocha’s and Honest Coffee have started to sell locally produced items, such as milk from a local dairy to help support local business and “keep supply chains clean.” Chaleur is selling cold brew concentrate that allows customers to get several days worth of cold brew from one bottle. For a twist, it’s also added ramen to its typically French-inspired menu."},{"_id":"3JYZBZTILJFRFDU5HYB43FMR4Q","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587513126062},"content":"“It’s kind of out of left field, but it just seemed like something really fun,” Christian Hilley said. “And it’s something inexpensive because people are not looking to spend a lot of money right now… We got a pretty good response so far. It’s really kind of funny.”"},{"_id":"77YWYJLJOZC3DNGM7IPIB6Z74U","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587513126063},"content":"For the most part, people, from the customers to those in the business, have responded well. Chaleur’s social posts are being shared more. Customers are buying gift cards from Ross House. Baristas are jumping in with ideas at Mama Mocha’s. The local coffee shops are banding together in Huntsville."},{"_id":"ASJCNMGVRJGC3IQZGAMX6PR5UE","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587513126064},"content":"Coffee shops have an advantage of an emotional connection."},{"_id":"PKKLNFYTT5FCBBHJXD5PHY2XOM","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587513126065},"content":"“We have it to our coffee shops, and we (the shops) have it to our guests,” Grazes said."},{"_id":"TGT25XLZ3ZAXDBVHGUKM7S7Q7A","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587513126066},"content":"Peoples’ bonds with their coffee shops are different than the bonds they have with favorite bars, restaurants and stores, and people are very invested in making sure “their” space will still be there after the crisis is over. The act of going out and supporting the businesses also gives people a chance to get out and participate in an action that reminds them of better times."},{"_id":"U6G7S3CLI5H6ZCQC5TY2VJZ4XA","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587513126067},"content":"“I think coffee shops give people a feel of normalcy,” Grazes said."},{"_id":"4MX7KETUMNG6TFOHN7WGWRGN2A","type":"header","level":4,"additional_properties":{"comments":[],"inline_comments":[],"_id":1587564830978},"content":"READ: How much should I tip during coronavirus?"},{"_id":"JY5NTSPU4NANDBVWFPBO4JLYFM","additional_properties":{"fullSizeResizeUrl":"/photo/resize/-QLotG-P9SfEM2IsO2u65egamsc=/arc-anglerfish-arc2-prod-advancelocal/public/JY5NTSPU4NANDBVWFPBO4JLYFM.jpg","galleries":[],"ingestionMethod":"manual","keywords":[""],"mime_type":"image/jpeg","originalName":"Han_Giana_Coronavirus-5.jpg","originalUrl":"https://arc-anglerfish-arc2-prod-advancelocal.s3.amazonaws.com/public/JY5NTSPU4NANDBVWFPBO4JLYFM.jpg","owner":"[email protected]","proxyUrl":"/photo/resize/-QLotG-P9SfEM2IsO2u65egamsc=/arc-anglerfish-arc2-prod-advancelocal/public/JY5NTSPU4NANDBVWFPBO4JLYFM.jpg","published":true,"resizeUrl":"http://thumbor-prod-us-east-1.photo.aws.arc.pub/-QLotG-P9SfEM2IsO2u65egamsc=/arc-anglerfish-arc2-prod-advancelocal/public/JY5NTSPU4NANDBVWFPBO4JLYFM.jpg","restricted":false,"takenOn":"2020-04-06T11:15:12Z","thumbnailResizeUrl":"http://thumbor-prod-us-east-1.photo.aws.arc.pub/j5F5CVck_EtpIjkRUVrMzKi1rA8=/300x0/arc-anglerfish-arc2-prod-advancelocal/public/JY5NTSPU4NANDBVWFPBO4JLYFM.jpg","version":0,"template_id":7,"comments":[],"_id":"2WLMQVP6YVAMDIRZDJJWY3PUSE"},"address":{},"caption":"Mama Mocha's baristas meet the customers at the door, and they all wear gloves and masks while they work. 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On one hand, the number of customers has dropped. On the other, the dollar amount per purchase has gone up, and the online stores have taken off. It’s also helped that treating yourself to a cup of coffee is cheaper than a nice meal to go in these tough economic times, so business has continued."},{"_id":"FRZJRZWLW5HOVM2ZV6FXD6IYJM","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587513126070},"content":"With the ever-changing situation, it’s hard to predict what will happen. Many of the shops are focused on the day-to-day, but some worry that if things continue to worsen, the entire industry — not just the individual shops — might be in danger."},{"_id":"I2TGGGFZSBEOZPJQAA2GIC4VJY","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587513126071},"content":"About 90 percent of the coffee beans in the US are imported. Only two states, Hawaii and California, and Puerto Rico, an American territory, have the climate to grow beans. Other places are experimenting, but the bulk of the beans come from other countries, particularly South American ones."},{"_id":"SDTIUSSIRRF63IXGF7EV4E4FMY","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587513126072},"content":"At the moment, that’s not a huge problem for smaller coffee shops because they get their beans through importers who still have warehouses full of green beans, Hilley said. But for bigger companies who go to farms in other countries, buy up the stock and import it themselves, supply may become an issue if they can’t travel."},{"_id":"AOIGGVHCFVGNNKITNFYIUKDLGA","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587513126073},"content":"Even though it’s not a problem yet, some of these shops who roast their own beans, like Chaleur and Mama Mocha’s, are keeping a close eye on international trade."},{"_id":"NBZLZUL5XRFXXIIQZZP74XOQFY","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587513126074},"content":"“If this gets really serious, to the point where we’re zeroing out on how much comes in — I mean, coffee has to come in from all over the world,” Gill said. “It’s not grown here. So it’s kind of hard to make any predictions, but this could be really, really bad if we don’t get it under control.”"},{"_id":"EWELYTHENJDIZBU5CNJKZPNELE","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587513126075},"content":"Coffee shortages are a valid concern, although Joel Eastlick thinks that’s something that may happen gradually down the line. Eastlick, the co-founder of Yellow Rooster Coffee Imports, said there are many things that could affect the coffee trade. There may be less containers available because more are being dedicated to shipping medical supplies. People from coffee companies can’t go visit farms to sample new beans. However, the real problem is how the shutdown in America could affect the supply chain."},{"_id":"3F3OM3Q2YFCL7GF73CX6V4XYKE","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587513126076},"content":"Travel is not necessary when it comes to trading beans. As a small importer who deals with small shops and small farms, Yellow Rooster has a close relationship with its partners and that trust will allow the trade to continue. Eastlick said he can’t speak for other types of companies, but he’d imagine big companies like Starbucks have a strong enough infrastructure to keep supplying America with beans."},{"_id":"7ZJ4RADKSJBMBH6GBXIFXYHEOM","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587513126077},"content":"The problem is, America isn’t demanding as many beans right now. Yellow Rooster has had to be lenient with its contracts with different shops since some have had to temporarily close and all of them have lost some of their business. As a result, Yellow Rooster still has beans in its warehouse left over from the shipment it received right before the shutdown. It can’t bring in new beans if it still has the old ones, which means the farmers will then have to decide what to do with their crops."},{"_id":"7VHLETNYCNBKZK6U54IW7YTQ2U","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587513126078},"content":"“You can’t stop nature,” Eastlick said. “So then the producer has to ask himself, do I put in all this work, all this labor? Do I hire laborers to come out to the farm and do all this harvesting?”"},{"_id":"CZ6PAF6SL5CA7FBMF4FY4AA7KE","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587513126079},"content":"If the answer is no, not only will the beans rot and the following harvest will be lost, but the farmers and laborers will lose a portion of their income. The cash flow problem will leave its mark all the way down the line."},{"_id":"4BIU4JXAUBBT7ANTXIJYZKX34M","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587513126080},"content":"The coffee supply chain is very complex, Eastlick said. If you love the way your coffee tastes, he said, then it’s probable a lot of people put a lot of effort and heart into making it. And all those people, Hilley said, are putting in that effort to make sure it’s still safe for you to drink."},{"_id":"2N2CV2VXNBA7XMWMQGUBI7YAF4","type":"text","additional_properties":{"comments":[],"inline_comments":[]},"content":"Here are some places to buy coffee, mugs and coffee makers:"},{"_id":"DOGCP7QAC5HBNDWYJKEKGSXDXE","type":"text","additional_properties":{"comments":[],"inline_comments":[]},"content":"Lecreuset.com"},{"_id":"GMPYVUHTD5FLVH4F3ZQMYPC7TU","type":"text","additional_properties":{"comments":[],"inline_comments":[]},"content":"Sur la Table"},{"_id":"67PS2A4WWZE2VGGKOCITKVD5KE","type":"text","additional_properties":{"comments":[],"inline_comments":[]},"content":"Coffeebean.com"},{"_id":"XSZIXZ2X4VB3ROSWSKW6HUULPY","type":"text","additional_properties":{"comments":[],"inline_comments":[]},"content":"Breville.com"},{"_id":"QF6EY7PECNFQ5LSQDIW25LIFUU","type":"text","additional_properties":{"comments":[],"inline_comments":[]},"content":"Illy.com"},{"_id":"CLTZZQKZIVDAROHJ7KDVSJWBOE","type":"text","additional_properties":{"comments":[],"inline_comments":[]},"content":"Wayfair"},{"_id":"FBDCVMCFPVDTXPDNCD5RIFXYMU","type":"text","additional_properties":{"comments":[],"inline_comments":[]},"content":"Keurig"},{"_id":"WSLCPB7SM5D4HJU6S6IIVIHV2Q","type":"header","level":4,"additional_properties":{"comments":[],"inline_comments":[],"_id":1587513126081},"content":"Read more from AL.com:"},{"_id":"MQP2HH5ZLNBOBFNWDIBKSK52RQ","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587564830993},"content":"From how much to save to student loan payments, what young people need to know to survive a recession"},{"_id":"FDMBVFJM7ZGZ5JD4TS7TQVAJWQ","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587564830994},"content":"No food delivery time slots available? Try these online services, apps during COVID-19 pandemic"},{"_id":"GEFNOEPTPRE53MDKZVKNB2Z4QA","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587564830995},"content":"For small business owners, questions abound with loan program"}],"created_date":"2020-04-21T23:52:04.411Z","revision":{"revision_id":"2UDKGGMK4FHBBCGFTVBPHKPBVA","parent_id":"FSS6B4TT2BEHVDOZKML67K6DGY","editions":["default"],"branch":"default","user_id":"[email protected]","published":true},"last_updated_date":"2020-04-22T14:58:10.192Z","canonical_url":"/business/2020/04/coffee-shops-create-sense-of-normalcy-amidst-coronavirus-shutdown.html","headlines":{"basic":"Coffee shops create sense of ‘normalcy’ amidst coronavirus shutdown","https://r.search.aol.com/mobile":"How coffee shops have adapted to stay open","native":"","print":"","tablet":"","web":"","meta_title":""},"owner":{"sponsored":false,"id":"advancelocal"},"address":{},"workflow":{"status_code":1},"subheadlines":{"basic":""},"description":{"basic":"Coffee shops have had to get creative to survive, but they've received a lot of support from their communities."},"language":"","source":{"system":"composer","name":"advancelocal","source_type":"staff"},"label":{},"taxonomy":{"sites":[],"tags":[{"text":"coffee","description":"coffee","slug":"coffee"},{"text":"coffee industry","description":"coffee industry","slug":"coffee-industry"},{"text":"Mama Mocha's","description":"Mama Mocha's","slug":"mama-mocha-s"},{"text":"Chaleur","description":"Chaleur","slug":"chaleur"},{"text":"Ross House Coffee","description":"Ross House Coffee","slug":"ross-house-coffee"},{"text":"Honest Coffee","description":"Honest Coffee","slug":"honest-coffee"}],"sections":[{"_id":"/business","_website":"al","type":"section","version":"0.6.0","name":"Business","description":"Alabama Business News","path":"/business","parent_id":"/","parent":{"default":"/"},"additional_properties":{"original":{"_id":"/business","site":{"site_description":"Alabama Business News","site_keywords":"business, news, Alabama","site_title":"Alabama Local & Small Business News, Economics & Finance News Articles","headline":"Alabama Business News","site_section":"News"},"navigation":{"nav_title":"Business","nav_display":"true","is_this_a_link_or_a_section":"Both"},"_admin":{"default_content":null,"alias_ids":["/business"],"tracking_node":null,"commercial_node":null,"url_path":"https://www.al.com/business/"},"_website":"al","name":"Business","order":{"default":1002,"toprail":1003,"ellipsis":2006},"parent":{"default":"/","ellipsis":"/news","toprail":"/","footer":null},"ancestors":{"default":[],"ellipsis":["/news"],"toprail":[],"footer":[]},"inactive":false,"node_type":"section"}},"_website_section_id":"al./business"},{"_id":"/news","_website":"al","type":"section","version":"0.6.0","name":"News","description":"Get Alabama latest news. 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(graphic by Giana Han | [email protected]).","created_date":"2020-04-20T19:45:40Z","credits":{"affiliation":[],"by":[{"_id":"ghan2","type":"author","version":"0.5.8","name":"Giana Han","image":{"url":"https://s3.amazonaws.com/arc-authors/advancelocal/878ced86-c54c-4771-859c-ccd83bfe8083.jpg","version":"0.5.8"},"description":"Covering Auburn sports. Joined Al.com in 2019. Graduated from Penn State in 2019 after covering Penn State football for three years. Interned with the Reading Eagle and The Baltimore Sun.","url":"","slug":"","social_links":[{"site":"email","url":"[email protected]"},{"site":"twitter","url":"@giana_jade"},{"site":"instagram","url":"@ghanvisuals"}],"socialLinks":[{"site":"email","url":"[email protected]","deprecated":true,"deprecation_msg":"Please use social_links."},{"site":"twitter","url":"@giana_jade","deprecated":true,"deprecation_msg":"Please use social_links."},{"site":"instagram","url":"@ghanvisuals","deprecated":true,"deprecation_msg":"Please use social_links."}],"additional_properties":{"original":{"_id":"ghan2","firstName":"Giana","lastName":"Han","secondLastName":"","byline":"Giana Han","role":"Auburn beat reporter","image":"https://s3.amazonaws.com/arc-authors/advancelocal/878ced86-c54c-4771-859c-ccd83bfe8083.jpg","email":"[email protected]","affiliations":"","beat":"Auburn","author_type":"Staff","education":[{"name":"Penn State University, Print Journalism and Integrative Arts, 2019"}],"awards":[],"books":[],"podcasts":[],"twitter":"@giana_jade","bio_page":"","bio":"Covering Auburn sports. 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There are companies that are still hiring essential workers or making offers on a deferred basis or work-from-home basis. Some are making offers with the right to withdraw -- “I expect in the event that they do not necessarily recover in time or may no longer need that particular position.” Continue to apply so that you can be shortlisted and interviewed. Also consider whether graduate school is an alternative."},{"_id":"2F7IKBGEIBDKVH56LFGGQVANKQ","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632007},"content":"“Please don’t hold off on looking,” Addye Buckley-Burnell, the associate director of Auburn’s career center, said."},{"_id":"RMS5DLSAVZHEBJA554BIPGNVBA","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632008},"content":"Some of the positions may look different or it may not be the employer you were hoping, but there are options out there. This website tracks how different employers are handling things."},{"_id":"C5CQITXEDZA2XOR2HCAJON4YHI","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632009},"content":"Networking is going to be even more important at this time. It will help students find out about more positions and to have an advantage when applying. Career fairs are still occurring virtually. You should also work with your school’s career center. Many work with recent graduates as well."},{"_id":"Y6BKFEMLINFY7C5BGPL73MC2DA","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632010},"content":"My company cut my wages. Will they stay cut? At what point will it go back up? Can I get government assistance because they were cut?"},{"_id":"V2DACZZJE5F3XDYNIQGD74Z72Q","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632011},"content":"It’s hard to know exactly what your employer will do. However, the CARES Act does provide assistance for people whose wages have been cut due to COVID-19, and you may also qualify for a stimulus check based on your income and tax filing status."},{"_id":"IYB4FKWCR5FO5IIBVE5KNOKJUY","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632012},"content":"It’s most likely that your wages will stay cut until the company or the market feels it has recovered. If the company does not feel it has recovered enough but the market has, then the market will drive general wage levels up, pressuring the company to respond so that it can retain its workforce."},{"_id":"JMFWO3ZJOJG2TGNZ2I52AUIYOA","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632013},"content":"What will the job market look like in the coming months?"},{"_id":"NACUNOJF2VDQVDDJ7H3QKOWW2E","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632014},"content":"“The job market will continue to contract over the next couple of months despite the economic fuel intended by the CARES Act,” McIntosh said. Looking at the longer term, like the last quarter of the year (September-December), the job market will remain tight because there will be an oversupply of labor and companies will still be trying to figure out what strategies and models they need to implement to combat the adverse impact of the pandemic."},{"_id":"SKHKP7CSCBFQFHLT4YAWUW6JGQ","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632015},"content":"However, some economists aren’t comfortable trying to predict what will happen in the future."},{"_id":"ZRXIWS6OLVF57G4MRQNKKT5WPA","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632016},"content":"I’m starting a job in another state. Will I make enough money to relocate? Is that a smart choice?"},{"_id":"5UCUIWTZUBHOZGUVGIK466QTWI","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632017},"content":"Relocating is a decision not to be taken lightly. Cooper encouraged people looking to move or buy a home to consider the long-term future of their employment. If you’re comfortable with your situation, now is a great time to take advantage of low interest rates. But don’t rush to buy a house just because interest rates are low. Like any time, be sure to weigh not just your present finances, but your future when choosing to make a large purchase, like a home."},{"_id":"XEB2WXFGHRGQJJLDBTIWDXLFMU","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632018},"content":"McIntosh said people should look at the decision from both a financial and health perspective. If the job pays much more than what you’re earning now or you’re a young graduate without a job to compare it to, then you should go ahead. When looking at how much you’d make, factor in the cost of living. Now, if that spot is recognized as a hotspot for the coronavirus, then you should consider if you can take that risk. You can also ask to work from home. Your employer should be understanding. If not, then that may be cause to rethink if you want to work for that company."},{"_id":"Y3WECUNSD5BPNNNOFT3CMHAINQ","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632019},"content":"What kind of government aid will I receive from the stimulus package as a young professional?"},{"_id":"STV5VU6QWBH3NA2DPBHM2O5EUM","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632020},"content":"The stimulus provides $1,200 for individuals earning up to $75,000 and $2,400 for married couples filing jointly who earn up to $150,000. Recipients who earn more than those amounts will see their payments reduced by $5 for each $100 above the income threshold. Single filers who earn more than $99,000 and joint filers who earn more than $198,000 are not eligible. The stimulus also provides $500 for each qualifying child."},{"_id":"MUVV6R2NTFDQJNBPUQT3OV6I3A","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632021},"content":"You may also be entitled to unemployment benefits or the Paycheck Protection Program if you operate a small business."},{"_id":"EAK3GMJPZZFKTLIVB4ASFPTFYM","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632022},"content":"I’m an Uber driver or other gig worker and don’t have business right now. Can I file for unemployment?"},{"_id":"U2APDKEZNBEFVO5KSHR2ECJJFQ","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632023},"content":"The CARES Act expanded unemployment benefits for self-employed individuals. Freelancers, independent contractors and gig workers (such as Uber drivers) don’t typically qualify for unemployment benefits when they lose their jobs. The CARES act established a new program called Pandemic Unemployment Assistance, which provides unemployment benefits for these workers."},{"_id":"4VL3E3WOLBE37OAFE3SGPXFMIU","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587419210470},"content":"However, the Alabama Department of Labor said some claims made by self-employed workers were denied. However, ADOL officials say those people should continue filing weekly claims. Because of the CARES Act, those claims should be approved. Once they’re approved, those claims will be paid retroactively, according to ADOL."},{"_id":"HLC5NGOIWNEFHJCB5LNVGBAM4Q","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587419210471},"content":"When filing a claim, self-employed people should enter their name as their employer and use either their own address or business address."},{"_id":"NNBAYWQRMZCCBDBMKO6X4QT2EI","type":"raw_html","additional_properties":{"_id":"BW2DYYZCLNA55MPEWPE4UEYQZQ","comments":[]},"content":" "},{"_id":"YUTTJSDOAJELDBYFI7VRH2OR3Y","type":"header","level":1,"additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632025},"content":"Finance questions"},{"_id":"GDFKOPQKQFECVKEHHRIJVS6IAU","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632026},"content":"How much should I be saving? Should I be increasing the amount? And to what accounts, 401(k)s, IRAs, CDs, general growth accounts?"},{"_id":"U2MZHFQ6X5DCFKDY4XXKZ3QYXA","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632027},"content":"If you don’t already have savings, Cooper encourages those who are still working to look at their expenses, cut where they can and then start saving a small amount each month."},{"_id":"4X6JDH55G5HBFIRODEPK6XA5LE","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632028},"content":"“Even if it’s $25, the fact that you completed that action is good. You can adjust the amount you save later. It’s like working out. I won’t be able to pick up the 50 pound weight at first, but will pick up the 10 pound weight,” Cooper said."},{"_id":"2KOISL3OX5GBJHGAA2LDJGMWTM","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632029},"content":"McIntosh also believes you should always have an emergency fund, separate from the investment fund you may have for retirement. Now, if your income level remains the same, you should maintain a similar saving pattern and direct the excess from reduced expenses into the emergency fund. If you didn’t already have an emergency fund, you should be creating one with the excess money you have from reduced expenses. If you haven’t reduced your expenses, look at what you can cut and start that emergency fund."},{"_id":"HNNHMPNQM5D7DNPWVYP4C6IHHE","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632030},"content":"With low interest rates, you should be focused on wealth accumulation rather than income generation to help protect yourself in the event of an emergency."},{"_id":"NI7XLQT42BFIZI62FOFJT7VIR4","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632031},"content":"“Once we have exited this emergency, then you can now be focused on which are the best accounts that will allow me to maximize my return?” McIntosh said."},{"_id":"V76GO3A7QVA6TG6KDB3O3CGUIM","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632032},"content":"Auburn’s career center recommends you save five to ten percent of your income. It also recommends the 50-30-20 plan. Fifty percent should go to your needs -- housing, utilities, etcetera. Thirty percent should go into your spending down to pay off debts, student loans and credit card debts. The rest should go to your savings, investments and retirement funds, although in this situation your savings account is the most important. You should put that money into your savings when you first get it because if you wait until the end of the money, it’s likely you’ll have less leftover than you planned."},{"_id":"ZV5X2PRLCRHY5GTOIR33GUUFR4","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632033},"content":"Should I be investing in anything?"},{"_id":"7KHEGKBBPNH2TKETJB6IEBVS6A","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632034},"content":"McIntosh offered the professional disclaimer that he cannot give financial or investment advice."},{"_id":"FK754FHUDFGMHACG5HOBVWCJGI","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632035},"content":"People should always be looking for opportunities to invest, no matter the situation McIntosh said. He provided a professional disclaimer that he cannot give financial or investment advice. And as young people, the fluctuation of the stock market should not make too much of a difference. Young investors are going for capital accumulation purposes, especially for retirement. Over the time between when they start investing and when they need the money, the market will fluctuate many times."},{"_id":"HBOUUK5VERBPVEXEDALBH434MU","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632036},"content":"“That should be irrelevant to you because you’re investing long term,” McIntosh said."},{"_id":"NO2PYXJWJFCABORRD4AZMLFENY","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632037},"content":"Right now, the market is performing at a significantly lower place, so young people will have the advantage of buying cheaper stocks. The low pace should not be a trigger to sell because the market will rebound eventually. Young people should look for companies they believe will rebound well or take advantage of new markets. However, it is best to speak with a financial advisor if you decide to proceed. He or she will be able to develop an investment profile and then recommend investment products."},{"_id":"362VPSQLYZFNFHYHZYWFJFPRFA","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632038},"content":"How much should I be giving to help others versus saving and being safe?"},{"_id":"MXLTP72OP5GOVNY37GRZA4AZLA","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632039},"content":"It’s all about balance. When deciding how much to spend versus save, you need to consider your current and future needs first. The local economy needs to survive, but so do you. Be mindful how much money comes from the excess you have from reduced spending after you’ve covered all your essential expenses and saving objectives."},{"_id":"UMZDSAMFKZEADPU4I2IGZ2SEEE","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632040},"content":"“I think it's best to find that right balance. So it might be once per week you choose a local restaurant or a local business that you support in that endeavor,” McIntosh said. He also mentioned that your charity does not have to be monetary. You can also give time or items."},{"_id":"2KHUYF6JSNDJTFXUWG2URPZTGY","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632041},"content":"If you’re able to pay all your bills and want to give some of your remaining funds, Cooper encourages people to give to their local nonprofit or small business."},{"_id":"TUCHIO5A2RCYLBEPF4WEE5V774","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632042},"content":"Is it a good idea to have kids right now?"},{"_id":"Q5HLC6VVB5F2ZJIRI3FYJ4QJOA","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632043},"content":"This is a very personal decision, so McIntosh addressed it from a financial perspective. He said that couples should recognize the costs that go with raising kids and make sure they can cover them. Those costs also increase in extenuating circumstances, like these. The expenses associated with raising children are not sensitive to a crisis and cannot be cut out of a budget."},{"_id":"A2CUEQRUYBBT5AYOKU4NWKA2LU","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632044},"content":"“I am aware of parents now who are shocked at how much their kids eat because now they're home with them,” McIntosh said."},{"_id":"62JWBNQ2WVCB7IQNBLXWBOR6WE","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632045},"content":"According to the USDA, the average cost per year of caring for a child 2 years old and younger was $12,680 in 2015, the most recent data year available. The actual birth costs an average of $5,230.46 in Alabama if there are no complications and you have health insurance, according to an article Business Insider released in 2019."},{"_id":"DRXFX5QSCJBNPNBNAZS5AJV6WY","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632046},"content":"Beyond that, if you have lost your job or are furloughed, then the elevated costs will become more difficult to cover. The decision should not just be an emotional one. It should include an element of financial planning."},{"_id":"VC5BEF7SI5BTNK64TSNEU6MPHY","type":"raw_html","additional_properties":{"_id":"NR5EEGYZIZG3XI7JSL72WDKWAQ","comments":[]},"content":" "},{"_id":"ZXPVKALKCNBC5P7H2FJJOYIJPY","additional_properties":{"fullSizeResizeUrl":"/photo/resize/5L8uVpPY6VtF1VUyWlekF1elh8s=/arc-anglerfish-arc2-prod-advancelocal/public/ZXPVKALKCNBC5P7H2FJJOYIJPY.png","galleries":[],"ingestionMethod":"manual","mime_type":"application/octet-stream","originalName":"tax.png","originalUrl":"https://arc-anglerfish-arc2-prod-advancelocal.s3.amazonaws.com/public/ZXPVKALKCNBC5P7H2FJJOYIJPY.png","owner":"[email protected]","proxyUrl":"/photo/resize/5L8uVpPY6VtF1VUyWlekF1elh8s=/arc-anglerfish-arc2-prod-advancelocal/public/ZXPVKALKCNBC5P7H2FJJOYIJPY.png","published":true,"resizeUrl":"http://thumbor-prod-us-east-1.photo.aws.arc.pub/5L8uVpPY6VtF1VUyWlekF1elh8s=/arc-anglerfish-arc2-prod-advancelocal/public/ZXPVKALKCNBC5P7H2FJJOYIJPY.png","restricted":false,"thumbnailResizeUrl":"http://thumbor-prod-us-east-1.photo.aws.arc.pub/Hy7snUG3znOXoZmb3gN60x9YR7M=/300x0/arc-anglerfish-arc2-prod-advancelocal/public/ZXPVKALKCNBC5P7H2FJJOYIJPY.png","version":0,"template_id":5,"comments":[],"_id":"6FUTS4WCTNEGRD6XDXDFZZ2I4E"},"address":{},"caption":"We answered 20-something common questions 20-somethings sent us about work, finances and higher education during the coronavirus pandemic. 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I have a job and pay several of my own bills, but I’m still listed as a dependent on my parents’ tax returns. Will I get a check?"},{"_id":"LHGTKRRACZCVXED2UN4ZAKJSSI","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632050},"content":"If you are claimed as a dependent or if you qualify for dependent status, you are not eligible for a stimulus check. If your parents qualify for the stimulus and you are 17 or younger, your parents will get an additional $500. If you’re over the age of 17, your parents will not get the additional $500, even if you are a dependent or live in their home."},{"_id":"6HMWJAIKXZGKFGYTMLMNXUV4PQ","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632051},"content":"Knowing if you qualify as a dependent can seem complicated. Here are some general guidelines:"},{"_id":"NF6T4FPYKNH4XPNCTUNUHJUCOQ","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632052},"content":"You may qualify as a dependent if you are under 19 or a full-time student under the age of 24"},{"_id":"SV3KHFQ3MJATDMXKTGB5UFSFHY","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632053},"content":"· If your parent(s) or guardian(s) provide more than half of your income"},{"_id":"SRL3IKBOLVFWFPHJ6QHG43LIHM","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632054},"content":"· If you've lived with your parent(s) or guardian(s) more than half the year, though exceptions apply"},{"_id":"LCJ2ITVPH5FOBCPCV5ILBNNM5I","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632055},"content":"However, being eligible to receive a stimulus check doesn't all depend on your age. If, for example, you are 22, married and work and file joint tax returns with your spouse, you are not eligible to be claimed as a dependent, even if you are a full time student. In that scenario you would be a potential candidate for a stimulus check."},{"_id":"G3MCSHLJI5ACNNUBJIE6RFTPBI","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632056},"content":"If you are 23, a full time student, and rely on your parent(s) or guardian(s) for more than half of your annual income, you are eligible to be claimed as a dependent and are likely not a potential candidate for a stimulus check."},{"_id":"HU2DQXVQGNBH7GDIB2PPF3BEU4","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632057},"content":"To qualify as a full-time student according to the IRS, the person must be, during some part of five months of the year be a full-time student at a college or university or be a student taking a full-time, on-farm training course given by a school or by a state, county, or local government agency. The five months do not have to be consecutive."},{"_id":"IH6MTDECLJDPBOV3XW5LRW6G4I","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632058},"content":"“It’s also important to be aware that a parent can’t just choose NOT to claim a child as a dependent in order to let the child claim himself, if he qualifies under the rules for dependents below age of 24. In other words, parents of a child under 24 they support can’t just say ‘we release you,’” said Brad Garland, a certified public accountant at Brand Blackwell & Co. in Huntsville."},{"_id":"MEUNEBUXMBHETIETDAE32BBC5Y","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632059},"content":"However, everyone should take the time to check their own status using the “Get My Payment” tool provided by the IRS. "},{"_id":"CZFGM2NLVFHRXKMHZJOPS45DEY","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632060},"content":"If you’re still unsure about your dependent status, talk to a tax professional."},{"_id":"FBRE5FFSVFCCJCGIAHBRIBLYHM","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632061},"content":"I’m in my early 20s and this is my first year working. I haven’t filed a tax return based on my current income. Will I be able to get adequate unemployment? Will I get a stimulus check?"},{"_id":"QQUWFH6B2BGFVDAMPE3NFX6R2M","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632062},"content":"Typically, unemployment is based on your past income, but you may be able to receive unemployment benefits based on the limited work history you have if you meet the eligibility requirements. That also applies if you are now partially employed or unable to work because of COVID-19-related issues, McIntosh said."},{"_id":"SZX3VCZQE5HK3I7LNDGEVFWMX4","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632063},"content":"For the stimulus checks, you should meet the requirements if you have a valid social security number and are not claimed as a dependent. If you didn’t file a 2019 tax return because you didn’t make enough to file taxes in 2019 (under $12,200 for individuals or under $24,400 for couples) or for some other reason aren’t required to file taxes and can’t be claimed as a dependent, you can report your income and bank information through the IRS website. Garland said you should be eligible for a stimulus check, even if you made zero income last year. You’ll ultimately qualify for the relief credit based on your 2020 income tax situation, he said."},{"_id":"2VFCSTTGNVF5DOUSMXHP5L6QE4","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632065},"content":"Garland is urging people to only submit income and bank information through the IRS website. He said the IRS will never initiate a phone call with you."},{"_id":"DW6IJWCI6ZHJ5OPLWQOTNJM5MU","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632066},"content":"“[You] want to be sure you do everything through irs.gov. Don’t use a third party website.”"},{"_id":"JNBMHVLLEVCEPL54KXH3AB3URA","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632067},"content":"My parents still support me but I have a job. Should I file independently to get a check?"},{"_id":"TBJJITDAZBAUPPVF3JN7Q6BNPU","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632068},"content":"If you are eligible for dependent status (see above for more on dependent status), you are not eligible for a stimulus check. However, you may be eligible for unemployment. Alabama residents can file unemployment claims at labor.alabama.gov."},{"_id":"YEU5KVIFMNDYDDQVCXTGWLVIAU","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632069},"content":"If you could file independently or as a dependent, you should consider how much your parents’ tax liability will increase."},{"_id":"PLJTNGY7DJALHCEOXCEUAZCAEU","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632070},"content":"“If their tax liability increases more than what their kids will get as their stimulus check, then it makes no sense that their children file independently,” McIntosh said."},{"_id":"3YQDW56XRBHANJCAMLD726TN2U","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632071},"content":"What if I’m not making enough to file a tax return? What do I do?"},{"_id":"NALGROHDJ5DYPBNSITTVVHH7IA","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632072},"content":"For the stimulus checks, if you didn’t file a 2019 tax return because you didn’t make enough to pay taxes in 2019 (under $12,200 for individuals or under $24,400 for couples) or for some other reason aren’t required to pay taxes and can’t be claimed as a dependent, you can use the “Get My Payment” IRS tool to submit your information. You should be eligible for a stimulus check, even if you made zero income last year."},{"_id":"SQJ45SXIZVC2FGDSMVRAHD53AQ","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632074},"content":"My parents claimed me as a dependent already for 2019. But I have a job now because I just graduated. Can I still get a check?"},{"_id":"PNN5ZARAOJABJKYMC6B322QX4U","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632075},"content":"If you no longer qualify for dependent status (see question #12 and #13), you may qualify for a stimulus check. However, Garland said he’s not received any further guidance from the IRS on eligibility for individuals whose dependent status has changed this year. Check with a tax professional for guidance on dependent status."},{"_id":"ERHWDMLDTNHUPLOHSAF5VNXP6I","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632076},"content":"Does it make sense to get married right now? Does it make sense to file jointly?"},{"_id":"D2YEK3GH5BHNZHGRSES5FYNFGI","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632077},"content":"If a couple marries by December 31, tax law will recognize the couple as being married all year. In that case, the couple will have the option to file jointly or separately. When deciding which way to file, couples should compute their tax liability and refund if they were to file jointly and if they were to file separately and then choose the option that minimizes their tax liability and maximizes their tax refund. If filing jointly is the better option, it makes sense to marry sooner. If filing separately is more beneficial, then it doesn’t matter when they marry. However, with government assistance during the pandemic, it may not make as much of a difference in the future."},{"_id":"PTEF2NNN7FC77PRYNGPHQNXFJQ","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632078},"content":"“From a tax perspective, because of the extent to which the pandemic is affecting everything, irrespective of marital status, if there are tax credits, tax exemptions that are going to be granted by the federal government, everyone is going to benefit,” McIntosh said."},{"_id":"UO62QQFOOFBDBHFBZZ7MNEXBLM","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632079},"content":"From a financial perspective, McIntosh believes it’s better to wait. That will both defer the expense of a wedding as well as allow the couple time to decide if a wedding is the right choice."},{"_id":"KEVKWBKA35E4NFNI62UTZYI6MI","type":"raw_html","additional_properties":{"_id":"VRNUVJQWF5ADTL32ZPAKI3QCOI","comments":[]},"content":" "},{"_id":"25IG3XSNPRAWBOXOMQF6JUC7D4","additional_properties":{"fullSizeResizeUrl":"/photo/resize/mehNhsVy4D2wGXVtGy-fWcJNjnE=/arc-anglerfish-arc2-prod-advancelocal/public/25IG3XSNPRAWBOXOMQF6JUC7D4.png","galleries":[],"ingestionMethod":"manual","mime_type":"application/octet-stream","originalName":"college.png","originalUrl":"https://arc-anglerfish-arc2-prod-advancelocal.s3.amazonaws.com/public/25IG3XSNPRAWBOXOMQF6JUC7D4.png","owner":"[email protected]","proxyUrl":"/photo/resize/mehNhsVy4D2wGXVtGy-fWcJNjnE=/arc-anglerfish-arc2-prod-advancelocal/public/25IG3XSNPRAWBOXOMQF6JUC7D4.png","published":true,"resizeUrl":"http://thumbor-prod-us-east-1.photo.aws.arc.pub/mehNhsVy4D2wGXVtGy-fWcJNjnE=/arc-anglerfish-arc2-prod-advancelocal/public/25IG3XSNPRAWBOXOMQF6JUC7D4.png","restricted":false,"thumbnailResizeUrl":"http://thumbor-prod-us-east-1.photo.aws.arc.pub/l-cdWJWXOWRm89_zxqxi5Pb8uP8=/300x0/arc-anglerfish-arc2-prod-advancelocal/public/25IG3XSNPRAWBOXOMQF6JUC7D4.png","version":0,"template_id":5,"comments":[],"_id":"P7IFDKSB7RG4JPGOY6EZOYZ3FY"},"address":{},"caption":"We answered 20-something common questions 20-somethings sent us about work, finances and higher education during the coronavirus pandemic. (graphic by Giana Han | [email protected]).","created_date":"2020-04-20T19:45:40Z","credits":{"affiliation":[],"by":[{"_id":"ghan2","type":"author","version":"0.5.8","name":"Giana Han","image":{"url":"https://s3.amazonaws.com/arc-authors/advancelocal/878ced86-c54c-4771-859c-ccd83bfe8083.jpg","version":"0.5.8"},"description":"Covering Auburn sports. Joined Al.com in 2019. Graduated from Penn State in 2019 after covering Penn State football for three years. Interned with the Reading Eagle and The Baltimore Sun.","url":"","slug":"","social_links":[{"site":"email","url":"[email protected]"},{"site":"twitter","url":"@giana_jade"},{"site":"instagram","url":"@ghanvisuals"}],"socialLinks":[{"site":"email","url":"[email protected]","deprecated":true,"deprecation_msg":"Please use social_links."},{"site":"twitter","url":"@giana_jade","deprecated":true,"deprecation_msg":"Please use social_links."},{"site":"instagram","url":"@ghanvisuals","deprecated":true,"deprecation_msg":"Please use social_links."}],"additional_properties":{"original":{"_id":"ghan2","firstName":"Giana","lastName":"Han","secondLastName":"","byline":"Giana Han","role":"Auburn beat reporter","image":"https://s3.amazonaws.com/arc-authors/advancelocal/878ced86-c54c-4771-859c-ccd83bfe8083.jpg","email":"[email protected]","affiliations":"","beat":"Auburn","author_type":"Staff","education":[{"name":"Penn State University, Print Journalism and Integrative Arts, 2019"}],"awards":[],"books":[],"podcasts":[],"twitter":"@giana_jade","bio_page":"","bio":"Covering Auburn sports. 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Interned with the Reading Eagle and The Baltimore Sun.","longBio":"","slug":"","instagram":"@ghanvisuals","native_app_rendering":false,"fuzzy_match":false,"contributor":false,"status":true,"last_updated_date":"2019-09-04T21:00:38.946Z"}}}]},"height":324,"image_type":"graphic","last_updated_date":"2020-04-20T19:45:40Z","licensable":false,"owner":{"id":"advancelocal","sponsored":false},"source":{"additional_properties":{"editor":"photo center"},"edit_url":"https://advancelocal.arcpublishing.com/photo/25IG3XSNPRAWBOXOMQF6JUC7D4","system":"photo center"},"subtitle":"How to financially survive coronavirus","type":"image","url":"https://arc-anglerfish-arc2-prod-advancelocal.s3.amazonaws.com/public/25IG3XSNPRAWBOXOMQF6JUC7D4.png","version":"0.10.3","width":576,"resized_urls":{"original":"https://arc-anglerfish-arc2-prod-advancelocal.s3.amazonaws.com/public/25IG3XSNPRAWBOXOMQF6JUC7D4.png","large":"https://www.al.com/resizer/d7hYhovZLb50hadgRIsSHJfOFU4=/1280x0/smart/arc-anglerfish-arc2-prod-advancelocal.s3.amazonaws.com/public/25IG3XSNPRAWBOXOMQF6JUC7D4.png","medium":"https://www.al.com/resizer/ED9yENuaQGxEbbRBDGe68RXrUDw=/700x0/smart/arc-anglerfish-arc2-prod-advancelocal.s3.amazonaws.com/public/25IG3XSNPRAWBOXOMQF6JUC7D4.png","small":"https://www.al.com/resizer/pwNF4tUGTA3KPZOGqEuyGSsv6lQ=/450x0/smart/arc-anglerfish-arc2-prod-advancelocal.s3.amazonaws.com/public/25IG3XSNPRAWBOXOMQF6JUC7D4.png","x_small":"https://www.al.com/resizer/hzWJ21Cl6LzV8H4K9TMf96mmCdA=/180x0/smart/arc-anglerfish-arc2-prod-advancelocal.s3.amazonaws.com/public/25IG3XSNPRAWBOXOMQF6JUC7D4.png"}},{"_id":"ZYVH5M2JINHK5KOGJKMWIJVZCY","type":"header","level":1,"additional_properties":{"comments":[],"inline_comments":[],"_id":1587419210529},"content":"College questions"},{"_id":"35WY2EBR3VAQHECEVZ2UHLFNN4","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632082},"content":"I was just furloughed, but I have student loans. Can I defer my loans? How long can I defer them?"},{"_id":"4WM3MQ2UPBGVLJYEKJOPL4S3IY","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632083},"content":"You typically have the choice to defer student loans, Buckley-Burnel said, although it is entirely up to the lender. Normally, if they agree to allow you to defer your payments, the loans will still accrue interest, so that’s a serious decision you need to make. Students and recent graduates are recommended to talk to their university’s financial services to make the best decision."},{"_id":"KABJO6UTW5AQBEOCVTCI7MPJ7Q","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632084},"content":"Because of the coronavirus, many student loan companies are offering deferments until September, and all federal student loan borrowers have been granted automatic forbearance (the loans will not accrue interest) through September because of the CARES Act. Borrowers are still allowed to make payments during the forbearance period."},{"_id":"XT5UE72VXJA2VJUHFU34E3IVZI","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632085},"content":"However, you should check with your loan company to be sure of what your options are, Cooper said. “You don’t want to skip a payment because you assumed it was deferred.”"},{"_id":"RSPTNOD2LBEJFE7KY7A54ECCSI","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632086},"content":"I’m a college student and work for my school. Can I file for unemployment? Will I get a check?"},{"_id":"XMLDILMWEFGBLJSQ4JVCJU4OM4","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632087},"content":"While some student workers may qualify for unemployment, students who are part of the federal work-study program or financial aid job programs may not be eligible for unemployment benefits. If you’re not sure, ask your manager at your university job or check with the university human resources office."},{"_id":"F77RKI5TIBAMNBLZQH7QYH3WQU","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632088},"content":"“Students currently enrolled in a program … might find it difficult proving to the Department of Labor that they are available to work and are actively seeking employment as this will likely conflict with their status as a student,” McIntosh said."},{"_id":"ZHV5YIV775AZDMVACUTPXCUMAA","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632089},"content":"However, those workers would still be entitled to a check if they have a valid social security number and can’t be claimed as a dependent by another taxpayer."},{"_id":"7BVPIR2QPBEQDC5776BVECWGSI","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632090},"content":"Some universities, such as Auburn, are still paying their student workers, so those students would not qualify."},{"_id":"KNAJ3IRWYJGWZIZJDT74LVJOLY","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632091},"content":"Should I keep paying my student loans while there’s no interest or save that money?"},{"_id":"C4JJXMC6VFBDDG3OVRGO7L3ZQE","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632092},"content":"If you can afford to keep paying those loans, then do so, McIntosh said. Since there’s no interest, each payment will reduce the principal by 100 percent of the payment amount. In the long run, that will be more helpful than saving the money you typically put towards loans. Any extra money you put into your emergency fund should come from the excess you may have from reduced spending rather than from dipping into the money set aside for paying off debt."},{"_id":"YEVY62G6YNFBLBQEUDVTGIIOPQ","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632093},"content":"“Interest rates are so low right now that the return you will get from saving that money is significantly less than the cost of interest on the student loan,” McIntosh said. “It’s not worth it. Keep paying!”"},{"_id":"AYOGVNRIT5FNRGIQ4IAT3RMOVY","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632094},"content":"Will colleges waive tuition next year? Will there be a payment plan? Will my loans be adjusted / will the government help me based on what I’m making now?"},{"_id":"BXY4OHNQGZFSDJNOBJAU77MUV4","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632095},"content":"No one has heard any conversation about colleges waiving tuition. It is unlikely because many colleges couldn’t afford to do that. Payment plans are more likely, but the advisors we spoke to have not heard about that. However, if universities stick to online classes, students will save money in other areas like rent, transportation and food. McIntosh has also heard of textbook companies that plan to offer free access online, which could save students hundreds of dollars."},{"_id":"5IUIOTBTWFADXLEU5FLP6KBQLQ","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632096},"content":"I was going to hold off on grad school. Is now the time to go while the job market may be down?"},{"_id":"LMIXUD5RMJCQLJCZFFGWI2MHFY","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632097},"content":"If that was a debate you were having, and you have the means, then start applying. You’d have to be flexible about completing grad school online since there hasn’t been a decision about upcoming semesters, but it’s a good time to start the process."},{"_id":"I4TMEV5KCZG25MA4PPE2SA6AKE","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632098},"content":"“Now is the time to go ahead and do that if the job market is down because when it picks back up, it might be just around the time when you are graduating,” McIntosh said. “Not only will you be better placed in 2 years’ time but your earning capacity would have improved as well.”"},{"_id":"BTLZD5ORHFANLNSUG5T3IRH5HM","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632099},"content":"On top of that, many schools have waived the entrance exam requirement for upcoming application days, Buckley-Burnell said. The guidelines are a bit vague, and it’s based on the program, so you should check with the specific programs you are interested in."},{"_id":"7XEVNRVODZBPBAEQSNK34D4SLA","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632100},"content":"If you’re about to begin graduate school or if you are considering going to graduate school, now is a good time to reevaluate the “why,” Cooper said."},{"_id":"3WJAUDAUO5HIZJV4POR263MXYE","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632101},"content":"“Be honest with yourself about how that degree or added skill set will develop or refine and if that career will exist post-pandemic,” he said. “A number of industries are being challenged as we speak.”"},{"_id":"JV4O3LABMNGBZGHOXK66F5OAN4","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632102},"content":"Cooper said you should also consider if you have a good financial plan to make loan payments before any expected salary increase from getting a graduate degree."},{"_id":"TYIQ3PFTY5H7NE44YNL4GPJOEA","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632105},"content":"My internship was delayed. 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It will look different for students depending on if they were taking it for course credits or not."},{"_id":"TGVUYVWRW5E6DJF2GVQXAJWV5U","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632107},"content":"“Many of the programs are working with students because it’s not as if it’s the students’ fault in any way that all this is going on,” Buckley-Burnell said. “Any kind of blips on your resume, in your employment, that are going on right now are going to pretty much be forgiven.”"},{"_id":"MF3OXATEEBDSFOMKHHLOGR2MYA","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632108},"content":"Other advice and information"},{"_id":"HIUZJUKAWJFTTF2TIKSCVOCSAA","type":"text","additional_properties":{"comments":[],"inline_comments":[],"_id":1587409632109},"content":"McIntosh: Most of his students are asking these same questions, about job markets, savings and investments. 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"},{"_id":"SANN2FO75VHKNLHN3Y3TAEHMUU","type":"text","additional_properties":{"comments":[],"inline_comments":[]},"content":"Prices for West Texas Intermediate fell to negative $37.63 a barrel which, improbably, means the company will actually have to pay to get companies to take the oil off its hands. It is the first time an oil futures contract finished as a negative price, according to multiple reports."},{"_id":"5L5ST2YJBNEZHEIYVSSRMP5CTE","type":"text","additional_properties":{"comments":[],"inline_comments":[]},"content":"With the majority of the country shut down and not traveling like normal, the demand for crude oil has crumbled. The International Energy Agency warned last month that April oil demand could be 29 million barrels per day -- yes, you read that correctly -- than they were a year ago. With less demand and usage of the oil, storage facilities keeping already owned oil have filled up creating the situation WTI experienced Monday. 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AL.com’s Matt Wake talked to two etiquette experts on how you should adjust your tipping these days. ","_id":"J46UQUDJLRCJVKN6CCLA3MGBWA","additional_properties":{"comments":[],"inline_comments":[]},"block_properties":{}},{"type":"text","content":"Coronavirus wreaks economic havoc on basketball circuit: The coronavirus didn’t just impact March Madness. In a well-reported story, Mark Heim looks at all the different ways it has impacted basketball in Alabama, from high school players unable to impress college coaches to referees unable to earn needed money. ","_id":"LCJ6VUPPAJG5BCEDDMIAKFGVYI","additional_properties":{"comments":[],"inline_comments":[]},"block_properties":{}},{"type":"text","content":"Business owners tell Alabama congressman they are ready to reopen: An Alabama congressman is using results from a recent Facebook poll to push for the economy to crank back up. ","_id":"QDWCB3DCQZBFBH3VHRK6GAC25Y","additional_properties":{"comments":[],"inline_comments":[]},"block_properties":{}}]},{"_id":"YQXMNWM7DBAJZLKVBEHW6ZGPVY","type":"header","level":2,"additional_properties":{"comments":[],"inline_comments":[]},"content":"What we’re watching"},{"_id":"R5PKDMBSTRBFBKSRZKXKZYJZCU","type":"text","additional_properties":{"comments":[],"inline_comments":[]},"content":"AL.com reporters Anna Beahm and Giana Han will have a comprehensive explainer on many of the financial questions 20-somethings have right now, from whether it’s a good idea to go back to school to family planning to tax questions. "},{"_id":"OT4A5HKRWVFE3GKKVASNYJPXVE","type":"header","level":2,"additional_properties":{"comments":[],"inline_comments":[]},"content":"Resources"},{"_id":"7IR2N3SGORDZ3PSWKE2E5JX5OY","type":"text","additional_properties":{"comments":[],"inline_comments":[]},"content":"Coronavirus in Alabama: How many infected; where to get tested; key information you need"},{"_id":"QFT3ZDJ3IFADTFSUPLALESCSUY","type":"text","additional_properties":{"comments":[],"inline_comments":[]},"content":"Coronavirus in Alabama: How to help, how to get help"},{"_id":"QQZD2NEJ2JE3LE6F3DF2S3RIG4","type":"text","additional_properties":{"comments":[],"inline_comments":[]},"content":"What happens if you lose your job due to coronavirus?"},{"_id":"UR75W2QMZJGEZKECZEY2IID4OQ","type":"text","additional_properties":{"comments":[],"inline_comments":[]},"content":"What to do if you can’t pay your bills"},{"_id":"3OMJXXYCTBHFPIIMYGDF5O6OPI","type":"text","additional_properties":{"comments":[],"inline_comments":[]},"content":"How much will I get from the coronavirus stimulus?"},{"_id":"ZKXNQZIJQ5DWJAFJA5ASIWFHDM","type":"text","additional_properties":{"comments":[],"inline_comments":[]},"content":"How do you apply for small business funds from the stimulus package?"},{"_id":"YMTZSEEIHRBNXH6YNYDMR3VA44","type":"text","additional_properties":{"comments":[],"inline_comments":[]},"content":"COVID-19 COVERAGE RESOURCES: Follow our live updates. 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"},{"_id":"XH4PR6AHJFCPTPQFCLH3F5N6KI","type":"text","additional_properties":{"comments":[],"inline_comments":[]},"content":"For food delivery, we should normally be tipping 18 to 20 percent, but during the pandemic, if you can, bump that up to 25 percent, Martin and Wells say. For restaurants that offer "touchless" delivery, with tip given in advance electronically and delivery instructions to leave your order at the door, knock and then leave, reducing interaction, that's a good idea. "},{"_id":"I26NSUZY5ZFZVKHTBDZM23D5MU","type":"text","additional_properties":{"comments":[],"inline_comments":[]},"content":"If touchless delivery isn't available or you don’t opt for it, thoroughly wash your hands, for 20 to 30 seconds with soap and hot water, before dealing with the delivery person at the door. "Just out of respect for them and yourself," Wells says. "And keep a space between you." If you’re using cash to pay, put it in an envelope if possible, to give the delivery person a safer way to handle the money, and further deal with that cash once they get back to the restaurant."},{"_id":"UIFAFXDRV5GU3HPOVLYFQT43DM","type":"text","additional_properties":{"comments":[],"inline_comments":[]},"content":"During the pandemic, many restaurants that previously didn’t deliver or do much take-out have switched to a curbside pickup emphasis, to keep their lights on. During normal times, for an inside pickup food situation, Martin suggests a $2, $5 or greater tip for the person bringing your food out. “A tip is especially appropriate in pandemic times, at least doubling the amount you would have (given) last year,” Martin says. “Take in mind how bulky and heavy the goods are and tip accordingly.”"},{"_id":"KICCLWHO75A6DLXOFXYWBRZUQM","type":"text","additional_properties":{"comments":[],"inline_comments":[]},"content":"Drive-thru is a mode of food service most of us haven't tipped for previously. But in our current situation, Martin and Wells both say, while not necessary generally, a tip of a dollar or few is a kind gesture. Which service industry workers can certainly use a bit of now."},{"_id":"4BHPO255KBHCXFKMEFOA3T23DA","type":"text","additional_properties":{"comments":[],"inline_comments":[]},"content":"Once restaurants reopen for dining room service, a 20 percent tip for solid service is customary. “If I visit an establishment that is still struggling when things get back to normal,” Wells says, “I probably will continue to tip a little more for about a month. Then, it’s back to looking for exceptional service to bring up that tip over 20 percent.” "},{"_id":"WWPMACKHIRFEPC527KWOI6KL6M","type":"text","additional_properties":{"comments":[],"inline_comments":[]},"content":"In cases of subpar dining service, not leaving a tip (or leaving a sarcastically tiny amount) reflects more on you than the server, who is the last in a chain of workers responsible for your order and might not be at fault. Instead, Martin says, to tactfully communication to management/ownership your dissatisfaction, so that problem can be corrected. In a dining situation, “it’s never appropriate to not tip,” Martin adds."},{"_id":"RLW6XP6J2NCCPPMFTZTFR65M5E","type":"text","additional_properties":{"comments":[],"inline_comments":[]},"content":"But what about deliveries for items other than food? Excluding UPS/FedEx type services, Martin says we should tip 15 to 20 percent, for, say, a pharmacy deliveries, etc. “If you can’t quite afford a percentage of the total bill, make it as much as you comfortably can,” Martin says. Wells feels going up to 25 percent for, say, home delivery of a dishwasher might be a bit much - but for dog food, light bulbs and other necessity items 25 percent would be generous, for the convenience."},{"_id":"SIDT6K2SLRA7XE7U4I3JPNALNU","type":"text","additional_properties":{"comments":[],"inline_comments":[]},"content":"Martin and Wells are big proponents of annual tips, typically given during the holidays, to those who provide consistently good service throughout that year. Think hairdressers, babysitters, house cleaners, pet groomers, landscapers, etc. “The amount given should equal the cost of one regular service,” Martin says. And come December, don’t forget sanitation workers. “During this pandemic and any time, our garbage collectors deserve special consideration,” Wells says. “They don’t know what’s in our garbage, yet they consistently pick it up, along with our other discards, at their own peril.”"},{"_id":"XWJDPNFHWJA55NVELTQI6CBMLM","type":"text","additional_properties":{"comments":[],"inline_comments":[]},"content":"After working around 30 years in corporate and non-profit sectors, Martin became interested in teaching etiquette after reading a magazine article about that subject. Over the years, she's taught everything from business etiquette to children's etiquette. Wells' professional background is in marketing. Her etiquette classes evolved from that, the marketing of a person essentially."},{"_id":"DH53KKL4LZB2DLEPYBVSOETRLQ","type":"text","additional_properties":{"comments":[],"inline_comments":[]},"content":"Wells says coronavirus could end up resulting in more generous tipping afterward. “I think people will have a better overall sense of appreciation for our service workers,” she says. “I hope so anyway.” For more on Etiquette School of Birmingham visit etiquettebham.com, and for more on Etiquette Manor of Alabama visit facebook.com/EtiquetteManorAlabama."},{"_id":"GMOYY27FGFDNTGL66YK7IGEDRI","type":"text","additional_properties":{"comments":[],"inline_comments":[]},"content":"MORE ON CULTURE"},{"_id":"7S7MZNO2GJA6BLX74TLHR7CUQA","type":"text","additional_properties":{"comments":[],"inline_comments":[]},"content":"‘Tiger King’: Alabama ties to bonkers Netflix hit"},{"_id":"YXT5DTT7GJEPTDU4MPTZBYJBLY","type":"text","additional_properties":{"comments":[],"inline_comments":[]},"content":"Can this star-studded startup revolutionize video streaming?"},{"_id":"3T5GLJOZPNAGVO5KEHUOXNLVEY","type":"text","additional_properties":{"comments":[],"inline_comments":[]},"content":"This Alabama band will record a vinyl single just for you"},{"_id":"GTWM4LT7LFCQ7FQV2FQP2GAVSY","type":"text","additional_properties":{"comments":[],"inline_comments":[]},"content":"John Prine’s Muscle Shoals album, Alabama inspirations"},{"_id":"46RZ3XCNGJAGJPPNEZ6CAVW4EY","type":"text","additional_properties":{"comments":[],"inline_comments":[]},"content":"How songwriting helped an Alabama vet’s PTSD"}],"created_date":"2020-04-20T13:05:37.325Z","revision":{"revision_id":"LHF4GGD3WZAZ5CNHKWKZKTVPGU","parent_id":"PQNNAASAXVCWLIPK4JY6HY3UAI","editions":["default"],"branch":"default","user_id":"[email protected]","published":true},"last_updated_date":"2020-04-20T19:11:26.879Z","canonical_url":"/business/2020/04/how-much-should-we-tip-during-coronavirus.html","headlines":{"basic":"How much should I tip during coronavirus?","https://r.search.aol.com/mobile":"","native":"","print":"","tablet":"","web":"","meta_title":""},"owner":{"sponsored":false,"id":"advancelocal"},"address":{},"workflow":{"status_code":1},"subheadlines":{"basic":""},"description":{"basic":"'It really is 'neighbor helping neighbor' more so than 'tipping etiquette.''"},"language":"","source":{"system":"composer","name":"advancelocal","source_type":"staff"},"label":{},"taxonomy":{"sites":[],"tags":[{"text":"@river-all","description":"@river-all","slug":"river-all"},{"text":"@mobile","description":"@mobile","slug":"https://r.search.aol.com/mobile"}],"sections":[{"_id":"/business","_website":"al","type":"section","version":"0.6.0","name":"Business","description":"Alabama Business News","path":"/business","parent_id":"/","parent":{"default":"/"},"additional_properties":{"original":{"_id":"/business","site":{"site_description":"Alabama Business News","site_keywords":"business, news, Alabama","site_title":"Alabama Local & Small Business News, Economics & Finance News Articles","headline":"Alabama Business News","site_section":"News"},"navigation":{"nav_title":"Business","nav_display":"true","is_this_a_link_or_a_section":"Both"},"_admin":{"default_content":null,"alias_ids":["/business"],"tracking_node":null,"commercial_node":null,"url_path":"https://www.al.com/business/"},"_website":"al","name":"Business","order":{"default":1002,"toprail":1003,"ellipsis":2006},"parent":{"default":"/","ellipsis":"/news","toprail":"/","footer":null},"ancestors":{"default":[],"ellipsis":["/news"],"toprail":[],"footer":[]},"inactive":false,"node_type":"section"}},"_website_section_id":"al./business"},{"_id":"/news","_website":"al","type":"section","version":"0.6.0","name":"News","description":"Get Alabama latest news. 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