Business

Emergency Federal Drought Relief Available

Farmers and ranchers interested in a disaster loan can apply on the USDA website. Small, non-farm businesses, small agricultural cooperatives, and most private nonprofits can apply for the loans by contacting the SBA at 1 (800) 659-2955 or by email. Hearing impaired individuals may call 1 (800) 877-8339.

Published

4 years ago

May 19, 2022

Oakland Post

The Marin County Board of Supervisors voted unanimously May 18, 2021, to declare a local emergency and acknowledge the imminent threat of disaster and the severe effect on dairies and ranchers in West Marin.

Marin and all other California counties to be eligible for assistance

Courtesy of Marin County

As California and the West Coast enter their third year of drought, Marin County and the state’s other 57 counties have been declared primary disaster areas by the U.S. Department of Agriculture. The dry conditions are bad news for Marin’s farmers and ranchers, but the disaster designation status makes available emergency loans for agricultural businesses.

Additionally, the Small Business Administration (SBA) is offering Economic Injury Disaster Loans to non-farm small businesses that do business directly with farmers and ranchers, such as truckers and suppliers of agricultural equipment or services. Eligible businesses may apply for disaster loans through Dec. 8, 2022.

“We want to raise awareness of the financial opportunities this drought designation provides because it may help some of these small businesses hampered by our continuing severe drought conditions,” said Marin County Agricultural Commissioner Stefan Parnay.

The federal commitment to assist businesses because of drought-related hardship extends to 23 other western states in addition to California. Small non-farm businesses, small agricultural cooperatives, and most private nonprofits of any size may qualify for SBA Economic Injury Disaster Loans to help meet financial obligations and operating expenses that could have been met had the drought not occurred.

In July 2021, the State of California added Marin to its list of counties falling under its state of emergency for drought and record-breaking high temperatures statewide. Governor Gavin Newsom made the drought official in 50 of the state’s 58 counties. Since then, state agencies partnered with local water suppliers to promote conservation tips through the Save Our Water campaign.

The Marin County Board of Supervisors voted unanimously May 18, 2021, to declare a local emergency and acknowledge the imminent threat of disaster and the severe effect on dairies and ranchers in West Marin. It also made the County eligible for California Disaster Assistance and other forms of state funding and resources. The local declaration cleared the way for state authorities to aid response and recovery efforts available to the County, water suppliers, farmers, impacted businesses and residents.

Marin Water, the municipal water district serving the majority of water customers in the county, and the Novato-based North Marin Water District (NMWD) are staying in contact with the County about drought conditions. Both water districts have declared water shortage emergencies and enacted mandatory conservation measures. Marin Water serves more than 191,000 customers in central and southern Marin. NWMD serves a customer base of about 64,000 in and around Novato and parts of coastal West Marin. For localized details, see the water rules webpages for Marin Water and NMWD.

Marin residents have been asked to support local agricultural producers who have been affected by the drought right on the heels of the COVID-19 pandemic. In 2021 numerous Marin ranchers had to import water by truck to keep their animals alive while also reducing their herds. With far less vegetation for grazing because of the ongoing drought, animals are eating imported feed shipped from other states at extremely high costs to the ranchers. Additionally, a few Marin crop producers had to import water by truck to keep crops alive and fallowed approximately 150 acres, or about 50% of the 300 crop acres in the county.

“As the region enters its third year of drought, this season is going to take a significant toll on our agricultural industry,” Parnay said.

The Board of Supervisors last year approved $150,000 in drought relief funds for the agricultural industry and another $250,000 for general drought relief needs to augment other state and federal aid.

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Oakland Post: Week of March 18 – 24, 2026

The printed Weekly Edition of the Oakland Post: Week of March 18 – 24, 2026

Published

2 weeks ago

March 22, 2026

Oakland Post

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Financial Wellness and Mental Health: Managing Money Stress in College 

While everyone’s financial situation is unique, several common sources of stress have the potential to strain your financial health. These include financial and economic uncertainty, existing debts, unexpected expenses, and mental or physical health changes. Financial stress may differ from situation to situation, but understanding the factors contributing to yours may help you begin to craft a plan for your unique circumstances.

Published

2 weeks ago

March 17, 2026

Oakland Post

Sponsored by JPMorganChase

As a college student, managing financial responsibilities can be stressful.

If you’ve found yourself staying up late thinking about your finances or just feeling anxious overall about your financial future, you’re not alone. In one survey, 78% of college students who reported financial stress had negative impacts on their mental health, and 59% considered dropping out. While finances can impact overall stress, taking steps to manage your finances can support your mental, emotional and physical well-being.

When it comes to money, the sources of stress may look different for each student, but identifying the underlying causes and setting goals accordingly may help you feel more confident about your financial future.

Consider these strategies to help improve your financial wellness and reduce stress.

Understand what causes financial stress

2. Determine your financial priorities

Start by reflecting on your financial priorities. For students this often includes paying for school or paying off student loans, studying abroad, saving for spring break, building an emergency fund, paying down credit card debt or buying a car. Name the milestones that are most important to you, and plan accordingly.

3. Create a plan and stick to it

While setting actionable goals starts you on the journey to better financial health, it’s essential to craft a plan to follow through. Identifying and committing to a savings plan may give you a greater sense of control over your finances, which may help reduce your stress. Creating and sticking to a budget allows you to better track where your money is going so you may spend less and save more.

4. Pay down debt

Many students have some form of debt and want to make progress toward reducing their debt obligations. One option is the debt avalanche method, which focuses on paying off your debt with the highest interest rate first, then moving on to the debt with the next-highest interest rate. Another is the debt snowball method, which builds momentum by paying off your smallest debt balance, and then working your way up to the largest amounts.

5. Build your financial resilience

Some financial stress may be inevitable, but building financial resilience may allow you to overcome obstacles more easily. The more you learn about managing your money, for instance, the more prepared you’ll feel if the unexpected happens. Growing your emergency savings also may increase resilience since you’ll be more financially prepared to cover unexpected expenses or pay your living expenses.

6. Seek help and support

Many colleges have resources to help students experiencing financial stress, like financial literacy courses or funds that provide some assistance for students in need. Talk to your admissions counselor or advisor about your concerns, and they can direct you to sources of support. Your school’s counseling center can also be a great resource for mental health assistance if you’re struggling with financial stress.

The bottom line

Financial stress can affect college students’ health and wellbeing, but it doesn’t have to derail your dreams. Setting smart financial goals and developing simple plans to achieve them may help ease your stress. Revisit and adjust your plan as needed to ensure it continues to work for you, and seek additional support on campus as needed to help keep you on track.

 JPMorgan Chase Bank, N.A. Member FDIC