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4-26-2020
Richmond Times-Dispatch (Commentary & Business Section) April 26th, 2020
Richmond Times-Dispatch
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Recommended Citation Richmond Times-Dispatch, "Richmond Times-Dispatch (Commentary & Business Section) April 26th, 2020" (2020). Covid-19 Archive: Documents. 131. https://digitalcommons.carleton.edu/covid19archive_documents/131
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PERSPECTIVES ltf ll10IIER EDUCATION
COURTESY Of SWEET IIIIWI COlllGl SWNt Briar College Is one of the largest employers In Amherst County, a,ntrllUtlng more than $25 million a year to Its economy. Ties that bind rural America OVID-19 has arrived in rural e_mplo~ers in distressed commtmi· closest to super highways, leaving enterprises, and over time, these America. The impact of the ues, to investment to attract ven;re rural towns automatically crossed off colleges became some of the big- pandemic, and in its wake, capital. Nothing seems to work, d through the logistics matrix. gest employers in their rural com- the recession, will be pro- now the pandeml In many rural towns, however, munities. They also are the ties that found. The most rural and has it reeling. ' you often find small independent bind the rural communities, keeping Cisolated of American towns already One of the most colleges. Founded in happier days them from being decimated. have the highest rates of poverty, un- powerful forces of for small towns, these colleges are Yet, like the rural towns they hold employment and population loss, economic deve/Qp- an unusual American invention. Un- together, these srnallcolleges are panicularly among young people. ment is agglomera- like large public universities and "left behind.• In the past year, four Those who remain are aging, with Meredith lion. High-tech finns land-grant institutions, which were small liberal arts colleges closed in rising morbidity rates. woo move to where there created to train skilled labor in a Vermont alone, with devastlng con- As farms slide into bankruptcy is a ready pool of growing and modernizing economy, sequences for their towns. Many and factories shut down, crime highly skilled work- these colleges aimed at creating rural communities along the Eastern and opioid abuse have become a ers and talents, who learn from each democratic citizens with inquiring Seaboard and Midwest also rely on rural problem. There is no shortage the colleges within them, including other and attract others to join them. habits of the mind. a half-dozen independent colleges of proposals for how to turn rural Manufacturing firms move to areas Small bucolic towns were the per- America around, from a tax credit for with pre-existing broadband that are fect location for such lnteUectUal W00.111111>3 The importance of community · in times of COVID-19 which we live. · nelin · ess , isolation, soci al di s- While nobody welcomes what amyotrophic lateral sclerosis (AI.5) a Era tried to create bonds of human ancing. Our lives have been gh h thrneurologlcal disease that took his life affection in the wake of the social Usrupted in ways we could not we are going throu • we . ave an h ee years later. In a flash oflight fragmentation caused by the mas- have imagined just a few weeks ago. opportunity to find mearui:ig and , e said those things that mattered sive immigration, industrialization, While we know that now is not the purpose anud our . versus those things that did not were urbanization and inequality of the time to leave our homes or relax our Ii collective suffering. t separated as clearly as life and death Gilded Age. It has not been lost on commitment to social !listancing, In fact, suffering lays jtself. What mattered, of course, me that the centrifugal·forces of that now is the time to think about our bare those things that were the thousands of people who time are comparable to the social, lives after the pandemic ends. What infuse our lives with had touched his life in ways both big economic and political polarization will we have learned? purpose in contraSt and small. What didn't? Well, you ofourday. I_am dubious of attempts to ex- TroyD. to those things, while probably can guess. My hope is that we come out of plam the particularities of anyone's PIIIDo costly in time, energy, Thirty years ago, when I left the this crisis with a better understand- sorrow or the reasons for the more and money, that offer practice oflaw to pursue a career in ing of how meaning and purpose general suffering visited upon hu- little in the way of en- education, I did so because of my in- grow in direct proportion to how manity in times of war, famine, natu- · during happiness and terest in how we form communities much we invest in other people's ral disasters or pandemics. But amid meaning. 8;1Did_times of alienation, polariza- lives, in how much we contribute to the suffering. it is important to try to I remember when my oldest tion; ISOiation and loneliness. As a what Martin Luther King Jr. called learn what the experience has taught brother, Tommy, spoke about the historian, I examined how American the "Beloved Community" - a us about ourselves and the world in moment he was diagnosed with communities during the Progressive PAINO, Pait D3
TINY PROCEDURAL WRINKLE, HUGB POLITICAL IMPLICATIONS
Simon, D-Fairfax, who opposed the commission as approved A Trump-dealt wild card by the legislature, wonders if a lawsuit would be necessary for guidance from the VJ.rginia Su- in Virginia redistricting preme Court, which is already Jeff E. Sdlaptro suspect among Democrats /[email protected] given its potential map-drawing or some Vrrginia legislators, four months. If Congress agrees, by the Virginia Constitution to duties. redistricting is a topic as ap- that could stop before it begins draw seats without regard for Then again, maybe not Fpetizing as Mark Warner's congressional and legislative re- party preference or personal stripping the General Assembly Voters get the final say on the microwave-zapped tuna melt districting in states that would ambition. of its mapping power by brand- commission this November in a sandwich: It is not much to look draw maps in 2021. Then again, maybe not ing it unfair to racial minorities. constitutional referendum con- at It requires stomach-churning Among them: Vrrginia. This is a tiny Procedural wrin- Further, redistricting-be- · cum;nt with the presidential Ingredients. It leaves a bad taste. Rather than next March, kle with huge political impli- cause the state Constitution election. A recent poll by Vir- And it could get worse. numbers would be delivered cations. ~ostnotably, it could was adopted in a year ending in ginia Commonwealth University • The Trump administration July 31, 2021. That's 94 days be- accomplish through the calen- one, 1971-is supposed to next suggests the commission will - because, it says, the COVID- fore elections in which candi- dar what foes- nearly all of · occur in a year ending in one, be easily approved-65% favor 1~ pandemic is slowing the dates for the House of Delegates them members of the Demo- 2021. it, with backing for it greatest decennial census - wants to would stand in districts set for cratic majority- failed to do But if the General Assem- among Democrats.
COVID•19 AHD IIUBLIC SAFETY A Q&A with Brian Moran safety personnel who are on We asked Brian Moran, V"rr- ployed to Institute reforms. the front llnesoftheCOVID-19 ginia's secretary of public safety Having worked in the crimi- response? and homeland security, about nal justice system for more than In partnership with the state the COVID-19 pandemic and the 30 years, I am familiar with al- Department of Genera) Services, challenges facing the agencies tematives to incarceration and we have evaluated more than·50() he oversees. Moran has served in existing legal remedies, allow- vendors offering COVID-19-re- the position for six years; he was ing us to take early and aggres- lated supplies since the crisis appointed by Gov. Terry McAu- sive action to protect the health began. More than a dozen con- liffe in 2014 and reappointed by and safety of those incarcerated tracts have been awarded to PPE Gov. Ralph Northam in 2018. in our jails and prisons. Shortly suppliers to support the needs of Disasters and emerpndes after declaring an emergency, our localities and state agencies. come In many forms, from active Gov. Northam issued guidance These contracts include supplies shooters and terrorist threats jointly with state and local pub- such as millions of masks, gloves, to floods and fires. When the lie safety officials, encouraging gowns and face shields.~ pandemic arrlvlld, how did your the use of these alternatives, the week of April 20-26, 122 lo- networkoflOqencllsevolvlto pretrial services and bail, and calities received significant deliv- manage the addict demand of a summonses in lieu of arrests. eries of PPE materials from our public health alsls? These efforts have been success- state warehouse. We also have My secretariat's public safety ful, resulting in a 67% decline coordinated withmorethan30 and homeland security agencies in the number of new misde- AUXA WILCH EOLUND/TIMES-DISPI\TCH members of industry who are be- have responded to crises rang- meanor commitments. Virginia StcretarY of Public Safety and Homeland Security Brian ginning to manufacture critical ing from hurricanes to floods, This past Wednesday, the Moran answered a IIUIStlon durlna a coronavlrus brlefln& on Aprll lS. needs such as masks, hand sani- civil unrest and public health General Assembly approved tizer and gowns. emergencies. The foundation of the governor's proposed bud- collaborating with public health the beginning of this pand~mic, Hurricane season begins In our success is our comprehen- get amendment authorizing the partners to complete point prev- we have worked collaboratively alence testing. Recently, 1,031 with public safety agencies six weeks. If we stlll are SOdal sive preparedness and ability to DOC to release individuals with dlstancln& how will that Impact quiclcly respond to and recover less than one year left to serve - inmates and 446 staff at Deer- across all levels of government, field Correction~ Center, with hosting weelcly calls and ad- responses to a significant IQ. from disasters regardless of their a historic action. Inmates with rlcane? In the event IVICUltlons nature or complexity. This pre- nonviolent convictions will be a large geriatric population that dressing issues with a data- has an assisted living unit and driven approach. We remain become mandatory, It would paredness and experience al- prioritized. Legislators further seem manytemporarysheftn lowed us to efficiently execute approved the governor's emer- an Infirmary, were tested for committed to upholding the our existing plans and irnple- gency clause on House Bill 33 COVID-19. Additionally, tar- laws of the commonwealth, and such as school gymnasiums are ment innovative solutions in our and Senate Bill 793 allowing for geted point prevalence testing are working tirelessly to respond no longer options. response to COVID-19. For ex- parole consideration of offend- was completed at Haynesville to this biological war while pro- Even as we respond to the ample, the Virginia Department ers impacted by the Fishback Correctional Center and Har- tecting our front-line respond- COVID-19 threat, we are well of Corrections (DOQ is manu- ruling, which would give people risonburg Community Correc- ers and communities. prepared to manage a statewide facturing sanitation solutions sentenced by a jury between lions Alternative Program. These As we begin to think about hurricane response. As state of• and facial coverings for staff and 1995 and 2000 a chance at pa- results will lnfonn our data- reopenlngs, these partnerships ficials, we are accustomed to offenders. The Vrrginia Alcoholic role. These measures - coupled driven approach and strategic will be even more essential, and managing numerous issues at Beverage Control Authority Is- with the V"uginia Parole Board's response to keep ~ ,and of- we will need the continued co- once, Including crises. Our pub- sued new regulations regarding expeditious review of parole-eli- fenders safe and heJ}thy: operation of'all Virginians. The lic safety agencies are trained service of food and beverages gible Individuals and the Depart- Part of •~IflOPIII" VIrglnla State Police recently and have extensive experience In restaurants. The Vrrginia De- ment ofJuvenile Justice's review lngofVlrglnla'seconomylsa reported a58% decrease in ar- in responding to hurricanes. partment of Emergency Man- and release of youths with safe 111111 of public confidence that rests In March 2020 compared Virginians also should prepare agement's private sector team home plans who are not a threat ountreetsaresaft.Whatsteps to March 2019. We also know for hurricane season by mak· helped manufacturers transi- to public safety - represent our areyoutakln&toPl'IParlfora that there have been few cita- ing an emergency kit, creating lion their existing production humane and responsible ap- smooth transition? lions issued In relation to the an evacuation plan and regi.,ter· to medical personal protective proach to the COVID-19 crisis. Virginians should feel con- g.ovvepior's orll~rs. :rhat tells me ing their phones to receive local equipment (PPE), We are proud Public safety will continue to be fident that our streets nM and that y,i ....1~ 1ans are co· m lyi will remain, safe. In211~9:,.•the ' · ···th·u~ u P ng emergency alerts. There is no of how our teams have adapted the administration's top priority, , ~th &stay-at-home order and question that a strong bunlcane to this monumental challenge. even as we take these extraordi- FBI reported Virglnli1119 having we ere,grateful.for that. it is this could require shelters top- Vlrglnla's prison system hu nary measures. the fourth lowest vlo~ t crime depicatjon fro.~ bile safety the public. Should sheltels be· worked to addrtu safety lullll What II the state's plan for rate in the nation. Wea1so· have officlft'•""'an d VI Ia •s citizens for Inmates, Including the re- tatlng all employees and In· enjoyed the lowest retjdivfsm that allow\lS·to emerge come necessary, wewouldhelp will m!tigate risk by using{uial_cov· luN of some nonviolent offend- mates at Virginia's correc:tJonal rate in the nation for fi>ur years, stronger ori the other side of lrl. Walk UI thl'OUlhthl ltl'IIIII facllltles for the c:oronavtrus? at 23.1 %. Thismeansihatin- COVID•l9. ~ · . enngs or masks, and pursuilC you're 111lng Inside our )Ills and While statewide llmitations dividuals who are rele1Qed are wt\lt stepurt . ... isolation techniques. . the thought proceu you em- on testing remain, the DQC,!,s not returning to the DQt. Since to IIIIUl'lthe lafei'j ·· pijli{fc, - Pamela StallsmitARo/Jill Beres a11d Chris centi/l-' . LETTERS TO Tast:DITOR
SolutJon to rldsm lies discrimination or prejudice, but stop reading and become siaves _j CORRESPONDENT OF THE DAY within the hearts of all should be part of any discussion to our electronic device$ ill biS of ways to strengthen America's column ''What we lost wbell V/8 Online teacher has tips distractions by dedicating i!mroo, TIME:s-l>LvATOI: uniqueness as the most suc-- stopped binge reading." J,le clte5 time and space to foeus on Justin Lo's recent opinion cessfully diverse culture on the Adam Garfinkle' s National Af'· tor homebound students classes and homework, column, "Pervasive patterns: It's planet fairs magazine article "'Jbe ErO· EorroR, TIMes-D1sPA1C11: • ~mmuni~tion is key in time .to confront racism against I'm not sure what Lo means sion ofDeep Llteracy," whi~ online schooling. Stay in con. . · Asian Americans,• should cause about having to "fight to belong The school year certainly makes several interestin8Po~ts- has taken a tum. Many stu_ tact with your teachers and all of us to think about which in this country,• but it is clear dictionary definition of racism Dependency on electronic gath dents have left the walls of make sure you're aware of an ' from his achievements that he gets diminishes the neural pa · assignments and due dates. If we are talking about when we has been victorious. Like my brick-and-mortar schools 1 ways of individuals who have for something new and !-In· you're used to reminders on a use the word. Is it "a belief that Chinese American daughter-in- become slaves to their gadgets. race is the primary detenninant law and my Filipino American · certain. My five years~~ classroom bo~d, write ~OWn They have shallow and short· online schooling at Virg~a important assignments where of human traits and capacities son-in-law, Lo took advantage ened attention spans. 1be m~s} and that racial differences pro- of opportunities open to all. Vrrtual Academy have given you'll see and remember to telling point in Garfinile's arnc e check them off your list duce an inherent superiority of Yes, there is discrimination. states: "Government's problem· me the tools to help oth- a particular race"? Or is it "racial It is part of the fallen nature of solving failures reflect not just ers navigate this transition. Most importantly, remem. prejudice or discrimination"? man. Is the problem as perva- hyper-partisanship and polar· Here's my advice and en- her that even though you're at Lo focuses on the latter defi- sive as Lo suggests? I don't know. iz.ation, but the thin tbinJcing of a couragement for this confus- home, youreducatiQnstillisa nition, but I wonder if he con- But I know the solution lies not political class of non-deep read- ing situation. necessary and important pan siders what motivates people to in proclamations by government ers who are comfortable only First, make sure that you're of your day. Put In the energy discriminate or show prejudice. leaders but in the hearts of us all. with the shallowne~oftweets. managing your time wisely. and commitment it deserves. Some might resent the When we remember that God Instantaneous digital interac- Online classes give you the It's your education and fin. achievements of Asian Ameri- has created all men equal and tions encourage superficiality, opportunity to have con· ishing this school year stroqg cans in academics and a vari- that race is not the primary de- insularity and tribalism." Garfin- trol over your schedule, but will keep you on the right foot ety of high-paying professions. tenninant of human traits, rac- kle goes on to say: •Cognitively you must remember that, for the next school year. Some might see Asian Americans ism no longer will plague Asian sped-up and multitasking yo1;111g even though you're at home, JuUAJ.wEN. J operating successful businesses Americans or anyone else. brains may not acquire_s~c1ent you're still a student. Limit Cl!f.SAP!AXE. in their communities when their BRIAN REGRIJT. capacities for critical thinking, neighbors were unable to do MIDLOTIIIAN, personal reflection, imagination, so. Some might mourn the loss and empathy, andhencewill be- based mental health treatment person might borrow or a steal a of jobs to Asians both overseas Gadget addiction harms come easy prey for charlatans as a condition of the ERPO. gun to kill. • ·, and at home. Some might have youth and politicians and demagogues.• That also • Any ex parte proceeding C.W. RICHARDSON, memories of facing, on distant goes for older brains. I leave it to should include admitting the FoR!ltER SPECIAL AGENT, UNITED battlefields, people who look like EDITOR, TIMES~DlSPATCH: readers to decide who fits this STATES Sf.CRET Sl!JMCE. individual for treatment. 8R1sro1.. Asian Americans. George Will made a good description. • A person's Second Amend- Those reasons do not justify point about what is Jost when we JoESH
SEPARATION Op _.0 ,Mt:BS Presidential purse snatching
equillbrium in the separation of that "both houses must con- w~HINGTON cur in untying." Because both ome constitutional lan- powers. Early in 2019, the political houses must agree on appro- guage is necessarily open- priations, each house can veto textured, as when it forbids branches were at daggers drawn. S Disagreement between the pres- spending. Given that the Fram- the •establishment" of religion ers intended each house to have or •unreasonable" searches, or ident and Congress about fund- ing a border wall had resulted independent power over appro- when it guarantees the "free ex- priations, the House argues, it erc1se• of religion, "due process" in the longest government shut. down in U.S. history, and then a follows that "a single chamber and "equal protec- of Congress has standing where, tion" oflaw. There deal: President Donald Trump, who had requested $5 billion as here, It seeks to protect an is, in ChiefJustice institutional power committed Warren Burger's for his wall, grudgingly accepted what Congress grudgingly of- to it independent of the other phrase, "play in chamber." the joints" of the fered: $1.375 billion. Then Trump reneged. In his 1833 "Commentar- IGeorge Constitution. ies on the Constitution of the The third of his four (so far) Will The framers, United States," Justice Joseph however, favored fungible chiefs of staff vowed, precision when it is possible and with the rhetorical swagger fa. Story, thenservingonJohnMar- IBEASSOCIATa> P1l£SS shall's Supreme Court, wro~ necessary, as in the Appropria- vored by the rhinestone cow- boys in this White House, that President Donald TrumP spoke about the coronavlrus In the James that without Congress' control tions Clause: "No money shall of appropriations, "the executive be drawn from the treasury, the wall would be built "with Brady Prass Briefing RoOIII at the White House on Wednesday. or without Congress." Trump would possess an unbounded but in consequence of appro- first argued that even the House priations made by law ... ." This began diverting for his wall from spending money not ap- power over the ~ublic purse" defines Congress' core power, money that Congress had appro- propriated by both houses of and the Senate acting together and "might apply all its mon- priated for other uses - money Congress. It does not say presi- never have standing to sue to ied resources at his pleasure.• control of the government's ln bicentennial year 1976, the purse. James Madison called it that Congress had explicitly re- dents can spend money unless remedy an institutional injury. "the most complete and effec- fused to provide for a wall. doing so is specifically forbidden The almost-as-flimsy reed on Supreme Court held that "the tual weapon" that the House Technically, Tuesday's argu- by Congress. which the administration now expenditure of public funds is of Representatives possesses ments will concern whether the Some members of the D.C. leans its case is the contention proper only when authorized by "for obtaining a redress of every House ofRepresentatives has Circuit might be inclined to say that the House cannot bring a Congress." grievance, and for carrying into standing to seek judicial relief that courts should steer clear suit without the Senate's con- In 2012, the D.C, Circuit held effect every just and salutary when a president violates the of such interbranch tussles - currence. Never mind that this that the Appropriations Clause is measure." Appropriations Clause. Practi- that the House should instead is currently impossible because a "bulwark" of the separation of Come Tuesday, the U.S. Cir- cally, the arguments will con- use the "political tools at its dis- the Senate is controlled by Re- powers. On Tuesday, the court, cuit Court of Appeals for the cern whether Congress has, as posal" to defend its interests. But publicans who are controlled the nation's second-most im- District of Columbia will hear the framers intended, a serious, its nuclear weapon, so to speak, by the president, whom they portant, will revisit all this in a oral arguments about whether indeed controlling role in the na- can be its refusal to appropri- fear more than they value their case that is probably en route to this weapon is still effectual, tion's governance. ate, even to the point of shut- institution. the most important court. which or whether presidents can ef- The House argues that, un- ting down the government. It There are ample precedents of sits about 1,000 yards away, and fectively nullify it, thereby sub- like constitutional provisions used this a year ago to no avail. courts adjudicating interbranch can stand athwart presidential stantially reducing Congress' empowering Congress to enact The weapon achieved some- disputes. Besides, as James Wil- . overreaching. significance, and radically shift - legislation pursuant to its enu- thing worthless, this president's son stressed during the 1787 COnt1tt George WI at · ing in the executive branch's merated powers, the Appropria- promise. Constitutional Convention, the [email protected] . C2020, Washtnll-On PllltWl'ltlrlGlouP favor the framers' intended tions Clause prohibits presidents The Trump administration federal purse has "two strings" Woo FromPqeD1
in Virginia. These small colleges d are interconnected- the health~ small towns pacts the other. 0 one directly Im- Good public policy is one that ks or beneficial side effects that are : externalities, 1n·the cost of goods or services rend e:.n reflected porting rural colleges, we can sup er sup~ ica. Despite all the well-meanmg ~: ti Amer- new industries to rural America this ~ns to bring not succeeded. Meanwhile, the;e aresexi!: has sets-,- rural.colleges -that can and should las- ~ rted, _and this can be done at a fra . e sup- spent subsi~g public lnstitu.tfon~n of the cost Sweet ~nar 1s a woman's liberal arts coll e in rural V~a known for its emphasis on w~en's leadership, su~tainability, and _ what is high! ~usual for a liberal arts college_ englneerin Y ltis altyso onetrio_fbth~ largest employers in Amhe~t Co_un ,.con uttng more than $25 million a year to its economy. What had been the county's biggest e~ploye!, a state-run care facility, recently closed. MARIA SCHULTZ This has mcreased Sweet Briar's importance to the The Cius of zozo at the University of Mary Washington In FrederlcksbU1111t't their mark on campus. area. Sweet Briar performs indispensable functions for the local co~unity. It has engineering weekends Paino from the social problems that have extracurricular activity that gives for young girls and numerous other programs to caused many to slip into lives of de- us an_opportunity to brag about FromPqeD1 ignite their curiosity. It holds concerts and theater spair. When we do not take the time ?ur big-hearted students. Service events, it screens movies. It provides free access to to make a connection with those in 1s what causes our students to con- its museum, galleries and athletic facilities. It in- community built on the values of need, we fail to ask ourselves im- front those big moral, ethical and justice, equal opportunity and love vites the community to hike and bike Its 19 miles of portant moral questions: Given my contestable questions that are so trails. College employees and students locally shop for one's fellow human beings. role, how am I to behave? What is fundamental to a liberal arts edu- and dine. As the president of the University my responsibility to others? How cation, such as: What are the sac- of Mary Washington, I am grate- We live and work here;° we are one with our com- am I to treat the least among us? rifices we must make to contribute munity. As rural America bears the brunt of an Im- ful to have the opportunity to lead The uneven distribution of suf- to the common good, and to live a an institution whose mission is to pending COVID-19-related recession, Sweet Briar fering amid the coronavirus pan- good and decent life? will open its facilities to supplement limited local prepare students to fully engage in demic has revealed the high price It is through service that our stu- hospital space, provide free vegetables produced such a community. It is not by ac- we have paid for this breakdown in dents gain a better understanding from its greenhouse and we won't put anyone out cident that the first pillar ofUMW's community. of the benefits and the burdens we of work. An vision, Investment of Hope for While it is too early to assess all share, as well as the sacrifices we Expenditure per student is high in liberal arts col- the Future, is to promote the values of the data about those who have must make for one another if we leges, and moreso in a college with a fully accred- of service, community and civic en- fallen ill or lost their lives during are to live in community. Quite fre- ited engineering program that produces the finest gagement. This is our public pur- this public health crisis, it seems quently, our students discover that women engineers. But a college like Sweet Briar Is pose - to make connections, to clear that when the dust settles, the the more they give, the more they not designed to make profit. It is designed to edu- build the communities that give our burden of this pandemic will have invest in other people's lives and cate and empower young women as leaders of lives meaning by doing what is nec- disproportionately fallen onto the the more they receive in return. tomorrow, and perform myriad public functions - essary to take care of one another. poor. The suffering of these indi- My hope is that our sacrifice economic, social and cultural-for its community. Americans have increasingly be- viduals is a mere abstraction when in the name of social distancing, Colleges like Sweet Briar already exist; they don't come isolated from one another we do not have the time or means paradoxically, spurs a revival of have to be lured in from outside. They might be over the past 50 years. Almost with- to connect with them and their community and an awareness of the best and the most cost-effective way to support out noticing, during a time of rela- experience. our shared responsibilities to one rural America. This is why service is a funda- tive prosperity, we have separated another. Meredith Woo Is president of Sweet Briar College. She previously ourselves from the struggles of so mentally important part of my in- Troy D. Paino Is president of the University of served as dean of the College and Graduate School of Arts and many in our communities. This has stitution's educational mission. Maiy Washington. Contact him at: Sciences at the University of Virginia. Contact her at: resulted in a general detachment Service is not a one-off, feel good, [email protected] [email protected]
a small obstacle to the redistrict- Without the granular guid- Court. Democrats and Republicans. Schapiro ing overhaul that some believe ance of the enabling legislation, That's another beef of They include finding a way FromPqeD1 is significant: The House and Filler-Com and Lucas- the for- opponents. to push redistricting into 2022, Vrrginia Senate could not agree mer, a commission opponent; Because the court's current with delegates running in new support for redistricti.J:i.g reform on a proposal laying out in de- the latter, one of its earliest sup- members - even those with districts in 2023, when the state and the high presidential-year tail how the commission would porters -could name whom- Democratic or bipartisan pedi- Senate also would be up - and turnout that will magnify such work and ensuring its member- ever 1!1ey please. That might be grees - were selected by the facing reset lines. Maybe draw- enthusiasm, it is confound- ship reflects the state's racial, sufficiently alarming to lawmak- legislature's former Republican ing new boundaries and incre- Ing to imagine how opponents ethnic, geographic and political ers that they would finally reach majority, House Democrats and mentally adjusting the political will make the just-say-no argu- diversity. terms dUring their expected Gov. Ralph Northam raise the calendar to hold legislative ment to voters who reflect the This, in the argot of the Gen- return this Sll!hmer to repair a possibility the justices, who had and congressional elections dramatic change in Vrrginia eral Assembly, is the enabling state budget d iIJlated by the expressed reservations about simultaneously? that redistricting ideally should legislation. coronavirus ec . being dragged into redistricting, With this latest redistricting v capture. But that legislation is not The Gene~ Assembly could would advance schemes to re- wild card, lawmakers have a lot v In politics, if you're explain- necessary for the commission only v~te up or down on the . store GOP hegemony. to talk about. Perhaps over War- v Ing, you're losing. to be empaneled by the House comnussion's handiwork. Nei- The complication of a Trump- ner tuna melt sandwiches? V "This is not about the con- speaker and the Senate presi- ther the legislature nor the gov- initiated holdup in transmitting There are some things you ~a stitutional amendment or not," dent pro tempore - Eileen ernor, who WouJd sign into Jaw census figures to the states is don't do on a full stomach. Filler-Com of Fairfax County v said Del. Schuyler VanValken- new boundilti h would inspiring numerous scenarios Contact Jeff E. Schapiro at (804) 649- va 'burg, D-Henrico, a l~ad_ ad- and Louise Lucas of Ports- any bill, cou1 es as e es in among legislators - pro and 6814 or [email protected]. v Votate for the conuruss10n. mouth, respectively- and for it district lines d seek chan~ As- con on redistricting reform - listen to his podcast, Capitol Chat, on Richmond.com. Follow him on Facebook 'Redistricting Is going to be a to craft lines for 100 seats in the sembly tWi , If the c;ene dorse and organizations pressing to boundari ce falled to en uld and on Twitter, ORTDSchaplro. Listen to t" . House, 40 in the Senate and 11 depoliticize a process that has his analysis 8:45 Lm. Frldiy on VPM News, congressional districts. fall to th es, rectlstrictlJig wo been ruthlessly partisan under 88.9FM. Opponents, however, erected e supreme f . ti 'u- - - - ~ ---.....
04 SUNDAY, APRIL 26. 2020 .. • RICHMONDTIMES -DISPATCH
Editor: Gregory J. Gilligan II (804) 649-6379 SUNDAY BUSINESS ggJlllgan@tlmesdispatch-cOm Legal battles loom as businesses hit by virus sue As many struggle_ to survive amid mandatory erty Casualty lnsurance Asso- ciation, said this month. state shutdowns, msurers are denying claims No revenue is flowing into the Billy Goat, which previously BY MICHAEL TARM drew hundreds oftourists a day, The Associated Press Go~t joined a growing line of busmesses, including barber- including some who remem- shops and casinos, suing insur- ber the best-known line from a A once-bustling bar and grill e~ to force th~m to pay. series oflate 1970s SNL skits in tucked below Chicago's Michi- These busmesses are in the which restaurant staff rebuffs ~an '.'venue overpass famously most trying times in their his- patrons ordering anything but lllSp1red a "Saturday Night Live" tory and are going to their in- the house specialties: "Cheez- skit starring John Belushi and borger, cheezborger, cheez- Bill Murray. surance company to get what they paid for," said Chris Es- borger! No Coke .. : Pepsil" The money the Billy Goat brook, a lawyer for the land- As many as 30 million small Tavern is losing during the mark tavern, which opened in businesses straining to survive coronavirus outbreak is no joke. 1934 and, as legend goes, cursed with little to no revenue could The tavern and millions of the Chicago Cubs. · submit virus-related claims other shuttered businesses na- Insurers say policies for natu- THE ASSOClATEO PRESS worth up to $430 billion, the in- tionwide have turned to their ral or man-made disasters don't surance association estimated. insurers to help recoup their The BIiiy Goat T.avern In Chicago, best known from a 1970s "Saturday cover virus outbreaks that bring Night Live" skit, Is struggling to survlw during the pand~lc. Those unprecedented numbers losses following state-mandated economies to a standstill, and would be multiple times higher closures, which combined may high-stakes battles in court- survival of thousands of busi- "Pandemic outbreaks are un- than claims following the Sept. exceed $300 billion a month. rooms coast to coast are sure to ne~es if insurers d~n't pay and insured because they are un- llanacks. But insurers have widely re- follow. the msolvency ofb1g-name in- insurable," David A. Sampson, The expectation is that insur- jected the claims, so the Billy What's at stake could be the surance companies if they do. president of the American Prop- LEGAL,1111e D6
A WARTIME-LIKE EFFORT AMID VIRUS OUTBREAK Companies exploring new ways to bringback employees BY MAE ANDERSON, TOM KRISHER AND ANNE D'INNOCENZIO The Associated Press
As state and federal leaders tussle over when and how fast to "reopen" the U.S. economy amid the coronavirus pandemic, some corporations are taking the first steps toward bringing their employees back to worlc. In many cases it is easier said than done. Detroit-area automakers, which suspended production roughly a month ago, are push- ing to restart factories as states like Michigan prepare to relax their stay-at-home orders. Flat Chrysler has already announced a May 4 gradual restart date; General Motors and Ford don't want to be left behind. PHOTOS BVTHEASSOC!AlIDPllESS In negotiations with the Kirk Barber makes face shlelds at Toyota's factory In Georgetown, Ky. Hundreds of auto workers have IOlle back to work to makt lhltldl, United Auto Workers union, surgical muks and even ventllators In an effort to stem shortages of protective gear and equipment durtng the coronavlrus pandemic. automakers are offering to pro- vide protective gear, frequently sanitize equipment, and to take worker temperatures to prevent anyone with a fever fro m enter- ing factories. These steps, they say, have worked at repurposed , factories now making medical Auto workers help stem equipment. -- - Matt Himes, who Installs SUV eompames• A WARTIIIB•LIRB BFFORT AMID VIRUS OUT9Rl:AR exploring newwaysto bring back employees IYIWANl)EIISOH,TOMKRISIB AND ANNE D'INN()CINZIO The As5odat,d Pl"" As state and federal leaders tusSle over when and how fast to •reopen" the U.S. economy amid the coronavirus pandemic, some corporations are taking the first steps toward bringing their employees back to work. In many cases it is easier said than done. Detroit-area automakers, which suspended production roughly a month ago, are push· Ing to restart factories as 51.ateS like Michigan prepare to relax their stay-at-home orders. Flat Ouysler has already announced a May 4 gradual restart date; General Motors and Ford don't want to be left behind. PHOTOS rt THE ASSOCIATID PRESS In negotiations with the b11Ck to w«ti to maa lhlelds. United Auto Workers union, Kirk Barblr mabs ,_ llllllds at Toyot&'S f11ctorY In Geo,ptown, Ky. Hundreds of auto workers have '11"' thl con,navtrvs pandemic. automakers are offering to pro- Nllealmukland-wntllatorslnan effort to stem shortaSH of protectlvl gur and IC!UIPllllntilur!IIS vide protective gear, frequently sanitize equipment, and to take worker temperatures to prevent anyone with a fever from enter- ing factories. These steps, they say, have worked at repurposed . factories now making medical equipment. Auto workers help stem Matt Himes, who installs SUV doors at a GM plant in Spring Hill, Tenn., said he's ready to get bade to work. But he also fears catching the virus. medical gear shortages "I guess we all should wony about it, but you can't keep us closed down forever," said Himes, who added that it's im- Factories answering calls for help from health professionals possible to keep social distance on his assembly line. "You work IYTOM KJIISIIER within 3 or 4 feet from every- The Associated Press body," he said "People right across from you, people right DETROIT -Cindy Parkhurst could beside you.• have stayed home collecting most of her In line with White House pay while the Ford plant where she nor- guidelines, several states with mally works remains closed due to coro- Republican governors have navirus fears. begun restoring access to public Instead, she along with hWldreds of spaces. workers at Ford, General Motors, Toyota Health officials fear that such and other companies has gone back to moves, if not carefully plarmed, work to make face shields, surgical masks could fuel a second wave of and ventilators in a wartime-like effort COVID-19 infections. to stem shortages of protective gear and Some companies that never equipment. closed offer a cautionary tale: "I didn't give it a second thought." said Meat-packing plants across the Parkhurst, a tow motor driver who is now Midwest have reported hWldreds helping Ford and its partner 3M manu- of coronavirus cases among their facture and ship respirators. "It's a neat tightly quartered worlcforces. thing to do for the community, for the Several have shuttered in an at- first responders wbo definitely need this kind of protective gear.• tempt to stem the spread All over the COWltry, blue-collar and Cindy Parkhurst, a tow motor driver who Is now he Iping Ford and Its partner 3M make Above all else, executives wtll salaried workers have raised their hands and ship respirators, works at Ford's complex In Flat Rock, Mich. Of goln, back to wwk need to be flexible, said Nicho- to make medical equipment as compa- amid thl pandemic, she said, "I didn't glvl It I IICOnd thought.• las Bloom, an economics pro· nies repurpose factories to answer calls fessor at Stanford University, . for help from beleaguered nurses, doc- in Kokomo, Ind., working on shields and the United Auto Workers who don't have "You can have a set ofplanS, tors and paramedics who are treating pa- ventilators. that option are still collecting pay and un- but those plans are going to tients with the highly contagious virus. About 60'royota workers, both salaried employment benefits that equal about hav~ to be updated on a iolllP8 Workers also are making soap and hand and blue-collar, are making protective · 95% of regular take-home wages. basis," Bloom said. "The fore- sanitizer, which early in the crisis were in equipment in Kentucky, Texas, Michigan Those workers making medical gear cast ls incredibly uncer1J]n,' short supply. and Alabama. will get their full base pay, but that's not Retailers, restaurants and At Ford, over 800 people returned to ,Most automakers in ihe U.S. tempo- ~hat's motivating them to keep com- mall operators are looking at work at four Detroit-area sites. rarily stopped making vehicles.about a mg to the factories. Many simply want to China's experience to see how General Motors, which President Don- month ago after workers complained help. they can reopen stores. said ald Trump had alternately criticized and about the risks of infection at the Jody Barrowman has been making face Megharm Martindale, global praised for its work, has about 400 at a factories. masks at a repurposed former General head of research at CBRE. • l1!li now-closed transmission plant in sub- Many white-collar workers.are being Motors transmission factory near Detroit estate services finn. Malls, for instance, p~ urban Detroit and an electronics factory paid to work remotely, but memberS of GEAR,PqlD6 WIJIII(,,,,.
¥¥ i,)iMOND TIMES-DISPATCH · " SUNDAY. APRIL 26. 2020 D5 WaaklyMarkat Roundup THE co1.o, or JIONEY Be sure you can afford a new pet before you add one to the family
~u're home now-all the I' !11 well aware of the perils of pet owners. tti:ne - or stucJc 1ndooi:5 gemng a pet under duress. After Y. . With children Everyone the death of my father-in-law • Do you have an eme,pncy DOW 30 STOCKS IS tired of Watchin ·rv and Tik · who h~d been living with us, ' fund? If you can't afford to Tok videos all d g -I gave mto my children's plea have a cash cushion for your- Wk 1~ , Wk 1-M Wk 1-wk self - at least a month or two company S--lliiiJ company · ~ _c11gj Company c!clH $ c!!g . So, you think,a~~w's the for a dog. I had been the hold- time to get a dog or cat. Maybe out because I worried J would -why would you add another AmExp 83.17 ..f.22 GoldmanS m .00 -6.49 Pfizer 37.38 .47 financial responsibility to your Apple Inc 282.97 .17 even rescue a !>et frOIU a shel- be left ~th the heavy lifting of HomeDp 212.18 2.76 ProctGam 118.7P -5.12 budget? What would you do if Boeing 128.98 -25.02 Intel 59.26 -1.10 3M Co 147 .00 .54 te_r. Perhaps a four-Jegged poop pick-up and all the other Caterpillar 114.04 -2.26 IBM 124.n 4.60 Travelers 100.82 ..f.25 friend could relieve the str~ss responsibilities that come with your pet b.ecame seriously ill Chevron 87.01 -.16 JPMorgCh 90.71 ..f.4~ UtdhlthGp 291.29 .73 th owning a dog. I wasn't sure I · and you faced a huge vet bill? Cisco 42.52 .04 JohnJn 154.86 2.84 Verlzoncm 57.93 -.53 of dealing wt You need a personal rainy-day COcaCola 45.43 -2.63 McDnlds 184.02 ·2.08 Visa 167.32 -2.22 coronaviru_s. wanted to ac;ld that expense to fund, and another one for your Disney 101.19 -5.44 Merck L'•8I.43 -2.03 WaJMart 129.44 -2.68 :-la SIOP· Think our budget. But my grief over- pet, or at least pet insurance. Dow Inc 33.12 -.30 Microsoft t17.(.ss -4.05 WalgBoots 43.74 -.76 Iii carefullY about came my misgivings. ExxonMbl 43.73 .51 NikeB 88.37 ·1.54 • If you have children, a,e you this decision and Sure enough, the expenses saving for their college educa- how it will af. started to accumulate. At one RICHMOND AREA STOCKS • tion? Sure, annual expenses for feet your budget point, Simba, our 11 -pound ter- a dog or cat are considerably w{~ 1-wk Mkt cap Michelle once life returns rier mix, became sluggish and llcker Stock close $chg HI ($) I Lo ($) (DOS) less than college tuition. But tonormal-and wouldn't eat. My husband jok- every dollar you save for college MO Altria Group 39.42 -1.43 54.99 30.95 732,568 it will one day. ingly said, "He just needs to eat is one less dollar you or your API.E Apple Hospitality 8.35 .11 16.88 4.48 18,646 Don't let this be an emotional some grass." It turns out Simba AUS Atlantic Union Bcsh 21.n -.37 40.20 18.84 17,127 child will have to borrow. Your BCO Brink's 44.13 -9.35 97.12 40.18 22.257 purchase - an impulse adop- had a bowel blockage that cost dog won't pay your bills in your KMX CarMax 70.96 5.74 103.18 37.59 115,363 tion. Do the math first. Ask more than $400 to treat, not in- old age. Your debt-free child ESXB comm. Bankers TIIISI 5.20 .55 9.75 4.00 1,166 yourself: Can J afford a pet? cluding the medication. He's might. O Dominion Eneri,y TT.92 -3.59 90.89 57.79 652,969 Recently, Google Trends . GNW Genworth Financial 3.30 -.21 4.93 2.87 16,669 had an ear infection. There are • Areyousavtnaenoulh HBB Hamilton Beach 10.89 .OS 21.22 6.68 1,040 tweeted, "We have never been regular grooming expenses. for retirement? You have to KNSL Klnsale capital Gp 103.76 -10.25 132.68 68.87 23,090 so interested in pets: Search One summer we got an infesta- make this a priority. You might U Lumber Uquid.ttors 5.49 .03 14.« 3.n 1,579 interest in both Dog and Cat tion of fleas, even though I was argue that you can't put a price MKL Marki!! 879.54 -74.85 1345.45 710.52 121,209 reached an·all-time high NEU NewMarket 412.26 10.55 505.16 304.65 46,131 meticulous about washing Sim- on the joy of pet ownership. OMI OWens & Minor 7.32 .22 9.69 2.43 4,615 Worldwide (and dogs win)." ba's bedding. We had to call in I would counter-argue that PFGC Performance Food Gp. 25.07 1.73 54.49 7.41 33,212 Google also noted that the a pest control company. the luxury and privilege of pet SYNL Synalloy COrp 8.42 -.58 19.65 7.50 762 search tenn "foster a dog near Pet ownership can be a won- TG Tredegar 15.48 -.91 23.48 11.31 5,186 ownership should come after WV Universal 45.11 -.33 63.18 37.04 11,128 me" reached an all-time high in derful experience, especially if you've made sure your finances the United States. you're rescuing an animal. But are in order. · COMPANIES OF LOCAL INTEREST Many families might be con- I would hate for people to buy Youcertainlycangetaway sidering getting a dog or cat or adopt a pet only to find out Wk 1.._· Mkt cap with spending less on your pet • Toclcer Stock close ,c:1!9, HI($) I LoJ $) _ COOS) to help with the boredom or later they can't afford to keep it. but proper care and feeding as motivation to get out of the Or what if you realize, once add up. Don't let the stress of ASIX AdvanSix Inc 9.48 -1.03 33.62 8.06 2,646 ALB Albemarle Corp 61.53 ' .06 99.40 48.89 65,418 house for daily walks. ourcollectivecoronavirus being shut in now lead to a fi. AA AlcoaCOrp 7.15 -.« 27.10 5.16 13,292 However, they might not be pause is over, that you don't nancial decision that you can't AMZN Amazon.com Inc 2410.22 35.22 2461.00 1626.03 12,015,549 factoring in the financial re- have enough time to spend afford later. ANTM Anthem Inc 264.12 -3.70 312.48 171.03 665,944 sponsibility: food, grooming, with your dog? You're home all Readers can write to Mi- BAC Bank of America 22.18 ·I.ID 35.72 17.95 1,935,154 BRK/A Berkshire Hath A 279460 -4940 347400 239440 1,953,425 veterinary costs, pet insurance, day now so you can play fetch chelle Singletary at The Wash- BRK/B Berkshire Hath B 186.52 -4.68 231.61 159.50 2,578,362 boarding during vacations for hours. But once you resume ington Post, 1301 KSt. , NW, CSX CSXCOrp 63.82 I.OS 80.73 46.81 493,855 (whenever we get to take them the all-consuming schedule Washington, D.C. 20071. Com- CVS CVS Health COrp 62.JI -.55 n.o3 51.72 812,622 again), and all the pet toys you had before the COVID-19 ments and questions are wel- COF Capital One Fncl 56.15 1.52 107.59 38.00 256,841 FUN Cedar Fair 21.n 3.97 64.86 13.00 15,718 you'll want to buy. pandemic, will Pepper or Rusty come, but due to the voh,une of CHD Church & Dwight CO I 71.35 -2.20 80.99 47.98 175,361 As a country, we spent a re- end up tearing up your home mail, personal responses may C5GP CoStar Group Inc 593.60 -41.95 746.70 CFX Colfax COrp 473.91 217,524 cord-breaking $95.7 billion in for lack of activity? not be possible. 23.11 -.16 38.88 12.23 27,345 CMCSA Comcast Co'l) A 37.16 -.92 2019 on pet services and prod- It's essential to take into ac- Miehe lie Singletary welcomes comments DOS Dlllanlslnc 47.74 31.71 1,688,398 26.06 -1.43 86.71 22.18 ucts, according to the Ameri- count how much of your bud- and column Ideas but cannot offer DOW Oowlnc 5.392 specific financial advice. Write to her 33.12 -.JO 57.48 21:95 245,975 can Pet Products Association. get will go toward caring for DO lluPont de Nemours 41.90 3.54 c/o The washlngton Post, 1301 K St. NW, 81.80 28.33 307,460 your pet. Don't underestimate HCA HCA Holdings Inc 107.83 -7.83 Vet care and products added Washington, DC zoon, or email mlchelle. HD Home Depot 151.97 58.38 364,971 · 212.18 2.76 up to $29.3 billion. Pet food and the annual expenses. Here are [email protected]. HON Honevwell Intl 247.12 140.63 2,279,059 three questions I ask potential IPG lnte'l)ubllc Group 135.52 -2.80 184:06 101.08 treats cQst $36.9 billion. , ·f 14.74 -.32 965,715 llltC Kraft Helnz co 25.20 11.63 57,403 KR Kroger co 29.23 -.ID 33.78 19.99 32.96 1.03 357,119 LOW Lowes Cos 36.84 20.70 U 1,~ _ .. _, 98.75 ,.,n 11J::'7'1 , ~v• ,iiic Food OP. ius 7,50 •uarch --..u •·;: tcr II uui; u v w • 11,ll V n'Jllil OIIIJJ l,;UII IJU u won .. 8.42 ·58 5,186 O~enihlp 1h;i~j,j';-1~~e•~:~~ SYNL SynolioY corp ·.91 23.48 UJI me" te11n •,osaU -tJme high In de~ul experience, especially If 15.48 ]7,04 11,128 th reached Bn you vc made sum yo ur fina rii:eti TO TlfCM9I' 45.11 .Jl 6],18 you re rescuing an lllllmal. Dut arc In order, 1/VV 1Wvel'Sll ~Untteu s19tesmJght be con- I would hate for people to buy You certainly can get away sldeJ;:>- famJU esa dog or cat or adopt a pet only to find out COMPANIES OF LOCAL INTEREST ffl!.W--~;j with spending lc~s on your pet Wlc LO MIit: to help g gertl~~ boredom or later they can't afford to keep It. but proper care and feeding ,ker Stael< close _!D.-f!i.lSl 26-16 as lllotj lvlrlt II to get out of the Or what If you realize, once add up. Don 't let the strcas of AdYIJISll YOUR FUNDS trouble ah~d. ! hope I' · mwrong. ANSWER: Phanna plays tied things like FHA loans, federally QUESTI°": Is this h to beating coronavirus are on backed mortgages and student call a dead-cat ho w at they the rise, as a group, even though loans - consider skipping those Common questions ANSWER: lb unce? the industry has a poor record of payments to make the stimulus colorful te~. llledia love that coming up with vaccines against money go further. (Make sure 'dea that..,_ ch comes from novel viruses. You're buying high you're eligible to skip those pay- raised by investors the 1 • ~•en a dead cat will !)olJDCe if it falls far into a highly unpredictable field ments without damaging your t enouo1. enough with wildly speculative stocks credit.) heltering at home has left Yet ifyou're and fas .,.,. lJJtimately, it's consumers, savers and in- that could give up recent gains tfyourlssues(nvolwpaylnl looking for signs a temPo~l!covery in prices based on a rumor at tomorrow's Svestors with a lot of time to that the market after a big P, the mortaallor l'll1t: If there's watch the market, count their 1~~1 press briefing. That applies to di- no relief in sight from the bank is rising and can The :!~U:bound from its versified funds and ETFs in the emergency monies, check credit hold the rally, March ho . ly qualifies as or landlord, keep the roof over scores, wait for stimulus checks, space; if you don't have a high your head. consider the "200- a dead-cat ~. but individ- degree of confidence in your worry about the future, consider amChuck ual investors "'111\J)d Worry less If you're COVll'lng food, medl- day moving av- their next moves and ask a lot of pick-and asking the question ekle and shelter but11e 1n dan- Jafh erage," which about the bo~ than about the is proof that you don't - keep questions. basically is the way such re I.Inds end, typi- ger of missing utility blls or car Hoping to do a small pub- your powder dry. payments: Use the stimulus market's average cally with a ~Ud._Don't be suck- On the flip side, the most trou- lic service, today I'll answer the level for the last year of trading ered into buytng Ill the hope that there. While most local govern- most common questions I've you have timing. bled industries are super cheap. ments have notified utilities that days. When the market crosses perfect The problem is that they could seen in April. Let's go! above the average, it's a bullish they can't shut off service-and stay that way for years. If you most car lenders are willing to sign; the 200-day moving aver- QUESTK)N:_Sholl)d I sell my can't afford to be patient, wait at QUEsnON: I don't want to age for the Standard & Poor's 500 dividend-~aymg stocks if they offer some forbearance-don't miss the rally. Is it time to buy is roughly 3015, meaning it has a cut their dividend? least until we see how the indus- fall behind on your bills if you i stocks yet? ways to go. tries respond to reopening; they can avoid It ANSWER: Af! !'ldividual situa- will still be bargain-priced then. ANSWER: The Standard tion, but a dec1S1on ~cing many If mlsslnBa payment ls111t- & Poor's 500 is down more avoldable: Tell the lender first. QUESTION: Is the worst over?. investors as companies cut or QUESTION: How can I do the than 15%year-to-date, but up ANSWER: Time will answer suspend dividen~. It creates a record showing you about 11 % in the last month, best with or make the most of were trying to do the right thing. this question, but it's hard to In crisis times. if the prudent I so if you're askin~ when to buy, my stimulus check? If paid: Replenish or think it is. Typical bear mar - blls are you're timing isn t awesome. course for management involves ANSWER: The answer here expand your emergency fund. ; kets last six to 24 months, and reducing or curtailing distribu- ,l • That said, this might well be warning signs are flashing depends on your financial situa- Studies show Americans are a bear-market rally, an upturn tions shareholders should be tion; it could be different for you, everywhere. good' with the decision. A com- woefully unprepared for emer- in the middle of a downdraft. Legendary investor Warren your children, your parents, your gencies, and those surveys never They're great for traders, but pany that preserves cash now neighbors, your co-workers. contemplated that an "emer- Buffett, for example, likes a valu- should be positioned to reinstate fool's gold for average investors. ation metric called the "market That said, the answer for ev- gency" would look like what For long-term investors with dividends when the economy eryone lies somewhere along cap to GDP ratio." I won't ex- reopens. we're living through now. far-flung time horizons, it's al- plain how it works here; all you this decision tree, so find your If you don't have a fulyfunded ways time to invest. Dollar-cost spot and go from there: need to know is that it is trad- QUESTION: What do you think emergei icy reserw: Go for it average into stocks and funds ing at extremely high levels de- Ifcurrent Income Isn't c:over- - buying regularly regardless of of the stocks that will benefit lng monthly blls: If you're miss- spite all the looming economic from finding a COVID-19 vac- Chuck Jaffe Is a natlonally when prices are up or down - problems (recession, unemploy- ing food and medication, use the financial columnist and the host of and time typically gives you the cine or a cure? How about air- payment there first. Be oppor- "Money Life with Chucl< Jah" You CM win. ment}. That suggests that stocks lines, cruise lines and energy reach him at [email protected] I are overheated, meaning there· s tunistic - if you' re eligible for and tune In at moneyllfeshow.com. stocks? temporary relief being offered on ()2020, J Features Will. are OVt!Ult:dllwU1 u n.. ~ lll•6 uu,,1w .J Ford, GM and Toyota Gear said they aren't aware 04 of any infections among i Credit bureaus offering weekly fretdrepo~ Frolll Pale workers who returned to since early April. make medical gear. Still, to consumers, citing 'unprecedente times "Instead of being borne there's no denying the ful I thouoht risks are likely higher at . ..!~ when the pandemic an d not he I p ' 1;· the 'actories than in the ontheucai- 1, By Chicago Tribune I'd be productive here, started. are 1111Precedented times she said. . safety ofone' s borne. The nation's big three national "These pd. People are feel- She jumped at the Joseph Holt, associate credit reporting agencies - Equifax, .,,.... ,~, - !acing_~ uncenam about.the chance to work because professor at Notre Dame's 1 :d Experian and TransUnion -have " - - mg sca11,u GM is donating the masks business school who begunofferingfreeweeklycredit - ..- _.. _,... _ "' future. yourpartandreduce to hospitals and first re- specializes in ethics and reports so consumers can moni- To help P)~ty, we are uniting sponders "which is where leadership, said the work- tor their financial health and any !~ r\01'1· - some _of tha iob~lp people know it needs to go,• she said ers and their companies Barrowman said the are examples of business changes brought on by the corona- as an mdus°;;11)1err financial data," virus pandemic. 1111HA FE00110Y• the facts abo tllfee credit agencies operation has been so ef- • doing its best to quickly The companies said the weekly Equifax, Experian and TransUnlon are the CEOs of tbr· ficient that workers have fill a critical unmet need. i free reports will be available for the ·offlrln, WHkly credit rwports. said in news ,re a record of been allowed to take "Courage is doing what next year, at AnnualCreditRepon. C~edit ~po:ci payment history. masks home for family you think is right even com. This month, many of the nation's qedit acttVJty eilitscores derived members. when it might cost you," The announcement comes as largest banks have set aside tens of Lenders use er to evaluate the "I dropped some off Holt said. "Those work- worries grow about lasting hits to billions of dollars to cover credit de- from the repons indlvid al will at my grandparents. My ers being willing to go in the economy as layoffs and fur. faults, such as those tied to small probabilityans that in a ~~yk l manneru . parents took a full packet to work to produce the Joughs rise in multiple industries business loans and consumer eredi · 1 repay 1O tl}'1fiiillabillty of of masks at my house. So . medical equipment and and others talce pay cuts. About card debt. In announ~et companJes It's not just helpln~ thll personal protective gear, 1 26 million people nationally have A recent survey by Creditcards. free reports, e Jth financial first responders. It s help- even at personal risk - . I sought unemployment insurance com found 59% of U.S. consum· advised consumers ct their lenders. Ing me and my family feel that is moral courage In benefits in the five weeks. ers with a credit card owed money challenges 10 conta safe," she said. action." · •; Inside a building on The Detroit automalc- ======r======Toyota's giant factory . . ers are trying to restart in Broom· complex in Georgetown, production on their ve- Broadcom ·demploy- Ky., mechanical engineer hides, perhaps as soon as Work field, Colo., saI town hall Kirk Barber helps to ship early May, but both Ford 1 ed ata thousands of face shields and GM say medical gear FromPaaeD4 ees ~am ril 17 that meeting on AP uired to that laid-off workers are production will continue. they would be req won't open food couns . the office one week rnalcing. Sometimes, he Ford says it has enough and big play areas for chil- gomto st • personally delivers boxes workers I? do ~th while out of every four arnng to hospitals or the state GM says 1t won t need dren for a while, and shop- A ril27 ' ping complexes will likely . PAccon!iJlg to Taraschuk, government, which is dis- all factory workers right limit the number of en- the company told workers tributing them. away because it plans a trances to control the flow All of the workers, he gradual restart. they would be randomly said had to undergo a Back at the Ford com- of customers. assigned to .n~w groups, Build-A-Bear Workshop, culnual change to make plex in Flat Rock, Mich., not their eiasttng teams, sure they stay more than where Parkhurst works, which operates 350 mostly and that their ~ttendai_ice 6 feet apart to protect she's hopl,ng the_respi- mall-based stores in the would be morutored Via U.S., is exploring new THE ASSOCIATED PRESS themselves from possible ra~ors she s he!pmg to TIie seatln1 area at a food court In Assl Plaza In NIies, IN~ badge checks. The com- ways to ease coronavirus pany would give them face contagion. ship rn~ ~err way to fears, such ·as letting fami- Is closed off durlnl the coronavlrus outbreak. masks, gloves and temper- "It's a hard habit to the hospital m nearby lies make appointments ature checks. Those who break when you're typi- Dearborn, where nm:,es so they can customize workers, now says it is de- to continue working from cally up and talking to treated h?r mother With veloping an internal lab home through at least the refused to come in would and stuff their own plush have the option ofnot someone, pointing to a cornpass10n before she toys without strangers that could potentially pro- end of May. Those who document,• Barber said. died of a stroke 15 years vide coronavirus tests for can't easily return after working for up to 90 days around, said founder and without pay. "People are very quick ago. She knows they.must former CEO Maxine Clark. all employees, even those that - ii, say, they have no good child care options - "We've been working to point out, 'Hey, you be "going through hell" It's also giving its workers without symptoms. from home for weeks,• guys need to keep your now because the Detroit inasks that feature bears Many technology com- can continue to, work re- distance.'" area is one of the nation's panies embraced stay-at• motely at least through the Taraschuk told The As- so they won't be scary for sociated Press in an in· Twenty-four UAW hot spots for the virus. children. home policies early on, summer. But some high-tech terview. "It's bizarre. We members have already "When I compared that Amazon, which drew since most of their workers died from COVID-19, to talcing maybe a small can do their jobs remotely. firms are in a bigger hurry. write software." sharp criticism for firing Broadcom did-not reply but it's unclear when or risk and going in and an employee who led a That gives Facebook the Andrei Taraschuk, a software engineer who to a detailed request for where they contracted the rnalcing respirators, I feel walkout to demand greater luxury of requiring the vast disease. all right,• she said. corona.virus protection for majority of its employees works for the chip maker comment. hundreds of billions of dol- give it,"' he said at a coro- their case when it upheld a ers Indemnity, the insurer York and New Jersey, have Legal lars a month could quickly na virus task force news state order closing nones- Geragos is suing, reads like proposed laws that would dictate insurers accept FromP-,.D4 deplete the $800 billion set conference. "We can't let sential businesses during a blanket denial of virus aside to cover future home, that happen." the pandemic, likening the shutdown claims because business claims for coro- ers will continue to reject auto and other losses, ac- Similar conflicts are coronavirus to hurricanes they're "not a result of di- navirus damage, in some the vast majority of claims, cording to the insurance playing out in Europe and in its ruling. rect physical loss or dam- cases even if policies ex- triggering waves.oflawsuits •association. Asia, though they aren't "COVID-19 pandemic is, age.'' It also cites virus clude pandemics. from businesses in nearly The attorney for the Billy likely to see the torrent of by all definitions, a natural exclusions in Its policies. Industry advocates say every town and city. Such Goat, which expanded lawsuits sure to come in disaster and a catastrophe But such exclusions such mandates could drain a filing frenzy could add from its flagship site to the litigious United States. of massive proportions," don't mean businesses insurance funds needed to logjams in couns when include establishments The question on which the majority opinion said. don't have valid claims, the to pay claims during up- they reopen fully after the around Chicago, says he many cases will hinge is Insurance companies business lawyers contend coming hurricane season pandemic eases. has little sympathy for whether the presence of say most policies that cover They point to separate and when other natural Amongdozensoflaw- insurers. the virus in or near a busi- unanticipated interrup- policy provisions requir • disasters inevitably strike. suits filed to date is one by "They are in the business ness can be categorized tions to a business's opera- ing that insurers pay losses The laws, they argue, also the Choctaw Nation casi- of selling people insurance as direct physical darn· . tions specifically exclude when civil authorities order would undermine the con nos in Oklahoma and an- for exactly this kind of situ- age, something that would pandemics. Such exclu- businesses to close. tract law upon which free other by the Los Angeles ation," Esbrook said. "They otherwise be clearly cov- sions became more com- The Billy Goat Tavern's markets rely. law firm of celebrity attor • can't now cry they're poor ered. It's a question courts mon after a SARS virus legal team says their case ''. If elected officials re- ney Mark Geragos. when the very situation haven't answered. outbreak in the early 2000s may be that much stronger quue payment for perils "You pay insurance for they are insuring arises.• Proving a microscopic devastated businesses in because their insurer did that were excluded neve decades for precisely the President Donald Trump virus was ever even on a parts of Asia. not write in a virus exclu- unthinkable, aJJd when it recently expressed sympa- business's premises, never underwritten for ~d A message seeking com- sion and then still denied for which no pre~um happens these insurance ~y for businesses asking · mind damaged it, could ment from the insurer the coverage. companies do the uncon- msurers to pay up for busi- pose a challenge. Billy Goat is suing, So- Pressure on insurers was ev~r collected, cata- scionable" by rejecting ness interruption coverage. The Pennsylvania Su- ciety Insurance, wasn't isn't only coming in the sn:opluc results Will occ • claims, Geragos told The "When they finally need preme Coun last week may returned. form of lawsuits. said ~1arles Chamness Hollywood Reporter. it, the insurance company have inadvertently helped A note to policyholders State lawmakers in- president of the Natio1l Forcing insurers to pay says, 'We're not going to business owners make on the website ofTravel- cluding in Illinois, New Association of Mutunl r t . ( surance Companies. 1 t