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Also, some cards don't charge a penalty APR, a higher interest rate that can kick in if you pay late. Finally, some card issuers may be willing to waive annual fees as a courtesy. Increased credit line: If you're getting close to max out your credit card with necessary expenses, you may be able to call your credit card company and ask for a bigger credit line. This process typically involves a hard credit check, which can affect your credit score. But the benefit of a higher credit limit can be worth it in the long run. Deferred payments: Credit card companies understand that it's better to give you a break on payments than to allow you to get behind—you're more likely to pay your bills if you have time to get back on your feet financially. As a result, you may be able to request deferred payments on your account. Just keep in mind that interest will likely continue to accrue on your debt during the deferral period. Lower interest rate: In some cases, you may be able to score a lower interest rate on your account than what you're currently paying.

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If you're affected by a disaster, you'll often be better served by taking advantage of programs offered through government agencies. Your options include: SBA Economic Injury Disaster Loan (EIDL): EIDLs are reserved for small business owners facing financial hardship due to a disaster. These loans have very low-interest rates and long terms. In some cases, as with the Paycheck Protection Program (PPP), these loans may even be forgiven under specific circumstances. SBA Physical Damage Loans: SBA Physical Damage Loans are reserved for business owners (and homeowners) whose private property has been physically damaged as the result of a disaster. These loans have repayment periods of up to 30 years, with interest rates under 4% for businesses that can't get credit elsewhere. State & City Loans & Grants: Depending on where you live, you may be able to tap one of the many state and/or local programs designed to help businesses. Many of the COVID-related programs have exhausted their funding, but a new round of federal stimulus could change what's available.

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My side of the family ushered all the little kids out before they got hurt. We also rushed my sister, the bride, out of the room. The venue staff sheltered us — locking us to a separate room. They tried to end the fight and escort the uncle outside. My sister was really calm, but my other sister, another bridesmaid, was upset and crying. The police were called but the uncle left before they arrived. The evening ended with cops questioning the wedding party about what happened. By this time, the poor venue owner was in floods of tears too. That wasn't the only disaster of the day either. My dad had too much to drink trying to control his nerves before his speech. He was well tipsy and, when he was chasing my nephew around, he fell over on top of the toddler and hit the gravel, cutting up both of their faces.

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