Small Business Update

Exciting news. If your business was down 25% in revenue during any calendar quarter of 2020, you are likely eligible for additional PPP funds for your employees. Restaurants are eligible for even more! With questions, jfrutkin@radixlaw.com or buck@radixlaw.com.

There are so many myths about Non Compete Agreements in Arizona. Are they ever enforceable? Are they enforceable if the employee was fired? Are they always enforceable? Jon Frutkin and Adam Buck talk about the current state of non compete law in Arizona. Contact Adam at buck@radixlaw.com.

This is a very complex topic. In general, unpaid income taxes are NOT dischargeable in bankruptcy. But the exception to that rule can be huge. Carrie Tatkin talks about how discharge of taxes in possible in a bankruptcy. If you'd like to schedule a free consultation with her, contact us at (602) 606-9300 or email her at tatkin@radixlaw.com.

We have a lot of clients that are now in the landlord business. Follow these quick tips and you'll have a much easier time when things go wrong. Adam Buck can be reached at buck@radixlaw.com.

We are talking about basic bankruptcy concepts. What is a discharge? What are the chapters of bankruptcy? Am I getting rid of debt or paying it back over time? Contact Carrie Tatkin at tatkin@radixlaw.com or (602) 606-9300 to set a free consultation.

We appreciate everyone paying attention to our little Thursday show. We will no longer be tracking the same format; instead we will provide legal information (some of which is related to COVID and some of which is not). Don't hesitate to contact us at jfrutkin@radixlaw.com or buck@radixlaw.com with any questions.

Estate planning isn't just for rich people or dead people. It is a way to get your affairs in order while you're still able to - and before the government gets involved. We talk about Wills, Trusts, Health Care Powers of Attorney and when to update your estate plan. Contact us at jfrutkin@radixlaw.com or buck@radixlaw.com if you need more information.

We really really tried to focus on non-compete agreements by employees, but then Congressman Gallego swung by for an informative conversation (and not very political conversation) about what small business owners can expect in the next few months. So ... non-competes and US Congressman Ruben Gallego. Contact us with questions: jfrutkin@radixlaw.com or buck@radixlaw.com.

We talk about hurricanes and Jon's Covid test. We also talk a little about the law: 1) Federal election law - Acting President Nancy Pelosi? 2) Regeneron treatment for COVID - likely EUA 3) Do as the CDC says, not as the President does 4) SEC publishes notice relating to Finders Fees We can be reached at jfrutkin@radixlaw.com or buck@radixlaw.com. Let us know if you need to be added to our email list.

We talk about the President's racially charged (and probably unconstitutional) executive order about the use of diversity training in the government and by contractors. 1) We discuss the ugliest debate in Presidential history 2) Government to remain funded through at least December 11 3) Stimulus Doubtful 4) Discussion about economic slowdown and bankruptcy 5) Rules for CDC eviction moratorium 6) Madrid goes back in lockdown 7) Moderna CEO speaks about timing for vaccine to be available Email us at jfrutkin@radixlaw.com or buck@radixlaw.com with any questions.

We spend some time talking about the life and times of Ruth Bader Ginsburg. The "Thurgood Marshall" of women's rights in the United States, her legacy has been impressive. We talk about: 1) The Cardinals are planning the Super Bowl parade. We may not be able to keep our social distance 2) RBG and what led her to Supreme Court 3) Supreme Court history and Constitution 4) Switch in Time Saves Nine 5) RBG Notable Cases 6) Jon's Medical Corner - Vaccines 7) European second wave and lockdowns 8) Let's get ready to rumble!!!!! First Presidential Debate Contact us: jfrutkin@radixlaw.com or buck@radixlaw.com

Can a business require its employees to get the vaccine? How about religious objections? We are talking about Arizona Cardinals (beat the defending NFC champion 49ers), what Bruce Arians and Donald Trump have in common, and about the stimulus bill. We work our way around the world and end up talking about airplane lotteries. 1) CDC Director says wear a mask and probably late 2nd quarter or 3rd quarter of 2021 for the vaccine to be generally available. President Trump says he's wrong. 2) Adam talks about whether states must have a mandatory religious exemption from vaccines and whether employers can mandate them. 3) We discuss changes to the FFCRA leave act. 4) Quick trip around the world to talk about blasphemy in Africa and surging cases in Israel and France 5) Mexico decides not to raffle its Air Force One AND Jim Carey is Joe Biden on SNL. We can be reached at jfrutkin@radixlaw.com or buck@radixlaw.com with any questions.

We spend time speculating about the government's power to mandate a vaccine and outlining expectations for Paycheck Protection Program Tranche 2 (and the rest of the stimulus package). 1) Protocols for NFL Football 2) Halt to Vaccine Testing 3) Constitutionality of Government Mandated Vaccinations 4) Government Shutdown? 5) SCOTUS List includes Judge Bridget Bade 6) Stimulus Package possibilities including Paycheck Protection Program Tranche 2 7) Survey Results As always, contact us at jfrutkin@radixlaw.com or buck@radixlaw.com with questions or requests to be added to our mailing list. Our new survey can be found here: https://www.surveymonkey.com/r/sbusep17

Steve Nash gets an NBA head coaching job and worldwide sports figures (and one-word named sports figures) the Rock and Neymar (Brazilian soccer star) test positive. 1) Trump says vote twice. Don't actually do that. 2) CDC declares a nationwide eviction freeze through the end of the year. Constitutional? 3) Business interruption insurance and COVID coverage 4) Payroll Tax Deferral in the hands of employers 5) New game: Guess the headline 6) Vaccine to be approved with 30% efficacy says CDC 7) Survey results Take next week's survey ... https://www.surveymonkey.com/r/sep10youtube Remember to email us at jfrutkin@radixlaw.com or buck@radixlaw.com if you have any questions.

We are talking about Black Lives Matter and the sports world. We discuss the proposals for a new stimulus package. We speak extensively with Bill Eckholm, a client of the firm and a great philanthropist in Arizona. You can learn more about Childhelp here: https://www.childhelp.org/leadership/ We also discuss the study about transmission of COVID on an airplane. https://wwwnc.cdc.gov/eid/article/26/11/20-3353_article https://time.com/5883081/covid-19-transmitted-aerosols/ Arizona has reopened for business. Maybe schools are next? Remember that this is our last live show. You can join us on the Podcast format or subscribe to youtube.com/frutkinlaw to be notified each Thursday when there is a new episode.

We are talking about Governor Ducey and the new small business funds that are available. http://www.localfirstaz.com/azsmallbizrent Adam talks about eviction moratorium and we have special guest Stephanie Parra, Executive Director of ALL in Education. Did you know that nearly half the students in public K-12 in Arizona are Latinx? https://allinforeducationaz.com/ We also have results from our poll and talk a little about Sputnik 5 ... and 4 too.

We were invited to speak to the NALS: Phoenix chapter. These are the legal professionals that make the Arizona law firms tick. So we trot out our greatest hits, like the Eagles on tour. We talk COVID discrimination laws, gun laws, tiktok... you know, the usual. The participants chime in with great questions, and we answer their questions ... at least the best we can. Specials thanks to the folks at NALS for letting us drop in. If you need us, email jfrutkin@radixlaw.com or buck@radixlaw.com. Of course you can see our regular episode at www.youtube.com/frutkinlaw or just join us here.

We are joined by Monica Villalobos, CEO of the Arizona Hispanic Chamber of Commerce to talk about the incredibly large (and growing) Latin business community in Arizona. You can learn more about her and AHCC at https://www.azhcc.com/meet-ceo/. The main topics today are the Arizona Reopening Guidelines released earlier in the week. We also talk about vaccines and feeling safe ... and the Phoenix Suns. If you have any questions, don't hesitate to email us at jfrutkin@radixlaw.com or buck@radixlaw.com.

What to trust anymore! We talk about Paycheck Protection Program forgiveness, the Mountainside Fitness decision, Stimulus Package and the real estate market. Then we turn to Jon's Medical Corner for a new study about masks. 1) Phoenix Suns win four in a row! 2) Mountainside Fitness paves way for gyms to re-open in Arizona next week 3) PPP Loan Forgiveness guidance released by the SBA 4) Jo Beth Zeitzer of ROI Properties joins us to talk real estate 5) Masks may not work??!?! https://www.sciencedirect.com/science/article/pii/S2213260020303520?via%3Dihub 6) Ohio Gov Mike DeWine has COVID, Stimulus won't pass this week adding to political pressure 7) Poll results

We talk about Paycheck Protection Program part II - THE HEALS ACT! Also, Brian Colling joins us to talk about digital marketing. 1) Sports - Marlins have 19 cases and the entire NBA has zero 2) Arizona university students lose in Court; update on Mountainside Fitness case 3) Brian Colling of Colling Media, brian@collingmedia.com 4) Vaccine - Will we take it? 5) Vaccine - Talk about procedure 6) Stimulus plan from GOP has PPP II for struggling businesses 7) Our poll Contact us at jfrutkin@radixlaw.com or buck@radixlaw.com

Today we talk about the Washington Football Team, baseball restart. We learn about what is a Kraken and a Tico. And we talk about the law too. 1) Commercial Landlords and Tenants are both suffering from COVID. Adam Buck talks about what types of solutions we see, and we talk about insurance too. 2) Tim Kopatich, Chairman of Heartland Income Properties talks about life in Costa Rica and his company's real estate investments in the hearland of the US. 3) Jon's Medical Corner examines the likelihood that we will have a two-shot vaccine. https://www.bloomberg.com/news/articles/2020-07-20/double-shot-covid-vaccine-tests-raise-new-pandemic-challenge 4) Many banks are sending out emails to business owners about the Paycheck Protection Program about the option to pick an 8 week forgiveness period or 24 weeks. Which should you pick? (Hint --- 24 weeks) 5) University of Arizona will allow in class studies at the election of the student. And bars, clubs, and gyms remain "paused in Arizona". You can also see us at youtube.com/frutkinlaw

Yes. Yes. We have Jon's medical corner. Flip to minute 21 if you can't wait. Thanks to Darius Green for joining us! dgreen@keyserco.com Today on the show: 1) Hail to the Redtails? Washington football will have a new name. We talk about trademark law and process. 2) A lotta lawsuits being filed against employers. Here's some basic tips to avoid being a defendant. 3) Darius Green, commercial realtor / founder at Keyser, talks about the real estate market and his work at Boys and Girls Club of the Valley and the Fiesta Bowl. And then in the chat box, Alerus Bank donates $1,000 to the kids. 4) Jon's medical corner. Maybe we can actually open schools? https://www.pasteur.fr/en/press-area/press-documents/covid-19-primary-schools-no-significant-transmission-among-children-students-teachers https://www.uvm.edu/uvmnews/news/kids-rarely-transmit-covid-19-say-uvm-docs-top-journal 5) The Stimulus Part 2 … a preview. 6) We summarize the Supreme Court term while polling our live audience. Email us if you'd like to attend live or need anything at all. jfrutkin@radixlaw.com or buck@radixlaw.com. Remember we are available on youtube.com/frutkinlaw or in podcast format.

We talk COVID at the workplace including Radix, the Mountainside Fitness case and Jon's medical corner: 1) Sports News 2) Arizona Surging 3) Mountainside Fitness Ruling – Gyms must close 4) Around the World – Travel from Idaho to Mexico 5) OSHA guidance on Workplace Safety 6) Jon's Medical Corner – Therapeutics 7) Evictions in Arizona 8) PPP Extension Watch us on youtube.com/frutkinlaw or email us at jfrutkin@radixlaw.com or buck@radixlaw.com

This week our special guest host is Carrie Tatkin, our law partner at Radix Law. Carrie is a well-known bankruptcy lawyer – and she went to my high school! We are talking about the Fourth of July, fireworks, COVID testing, the Consumer Financial Protection Bureau, the Supreme Court. A special thanks to guest Amy Simon of Amy Simon Events: https://www.amysimonevents.com/. 1) Arizona Governor Doug Ducey shuts down bar, clubs, gyms and water parks for a month. 2) We discuss the Consumer Financial Protection Bureau and the recent Supreme Court decision. 3) Amy Simon of Amy Simon Events talks about being an event planner in the age of COVID. 4) Jon's Doctor Corner: Johns Hopkins Study reveals massive problems with COVID testing accuracy: https://www.sciencedaily.com/releases/2020/06/200610094112.htm 5) We discuss the Supreme Court's decision in the Louisiana abortion case and the concept of stare decisis. 6) Arizona and fireworks laws. 7) Are hospitals making a fortune?

We are talking legal topics, international real estate investing, face masks and many other topics. A special thanks to Rich Holman, founder of Lifeafar Investments. https://www.lifeafarinvestments.com/ 1) We talk about Novak Djokovic and tennis tournaments that give people COVID. 2) A discussion about Paycheck Protection Program loan forgiveness. 3) We are joined by Rich Holman to talk about international real estate and life during a pandemic. 4) Face masks are now mandatory in Maricopa County. 5) THAT'S MY RANT 6) Why the vaccine is a little tricky. 7) Our poll and a few questions. Take a look at youtube.com/frutkinlaw for the video version of this episode.

We are back - and we got a US Congressman David Schweikert (AZ6) from the House Ways and Means Committee too. 1) Is taking a knee the new norm? 2) Employers beware! Guidance for back to work rules 3) Congressman David Schweikert 4) Supreme Court decisions protecting gay, trans workers and dreamers explained 5) Our weekly polling! Also available on video at youtube.com/frutkinlaw if you want to see our pretty faces.

We talk NASCAR, guns, face coverings and with Alerus Bank Arizona Market President Rob Schwister. 1) Arizona sees steep uptick in cases 2) NASCAR and Baseball 3) Gun Rights in Arizona: Stand Your Ground 4) Paycheck Protection Program Update 5) Rob Schwister - Alerus Bank 6) We take your questions and talk about our poll You can join us live on Thursdays at 3 pm! https://us02web.zoom.us/webinar/register/9015849905443/WN_mxlNMGt3TmOS9XjheApsEg If you have any questions, contact us at jfrutkin@radixlaw.com or buck@radixlaw.com.

Today we run the gamut of important information: 1) NBA Restart 2) Paycheck Protective Program Forgiveness Act 3) Americans with Disabilities Act 4) Chad Chawanda joins us from South Africa 5) We take your questions and talk about our poll Also available at youtube.com/frutkinlaw. If you have any questions, contact us at jfrutkin@radixlaw.com or buck@radixlaw.com.

We are providing weekly updates relating to new programs created to address COVID-19. These are each and every Thursday at 3:00 pm. This week we discuss: 1) Paycheck Protection Program - House of Representatives passes bill 2) Cobra Kai: Netflix or Hulu? 3) Arizona - legal protection for businesses 4) Brazil - new hotspot and delicious tequila - with guest Dave Clark 5) Q&A You can contact us at (602) 606-9300 or at either jfrutkin@radixlaw.com or buck@radixlaw.com. If you'd like to sign up to attend these in real time, register at: https://us02web.zoom.us/webinar/register/9015849905443/WN_mxlNMGt3TmOS9XjheApsEg