In today's episode, a previous Youtube Live video of me talking about the SBIC Program. An SBIC or Small Business Investment Company is a privately owned and managed investment fund that's licensed and regulated by the SBA. So I have discussed some of the leading providers of the SBIC Funds and if you've never heard of a fund, you'll probably recognize some of the household names who have benefitted from these programs. The SBIC program is one of the U.S. Small Business Administration's (SBA) financial assistance programs. An SBIC, or Small Business Investment Company, is a privately owned and managed investment fund that's licensed and regulated by SBA. An SBIC uses its own capital, plus funds borrowed with an SBA guarantee, to make equity and debt investments in qualifying small businesses. I also talked about the 7(a) Loan Program, SBA's most common loan program, which includes financial help for small businesses with special requirements. This is the best option when real estate is part of a business purchase, but it can also be used for short and long-term working capital, refinance current business debt and purchase furniture, fixtures, and supplies. The maximum loan amount for a 7(a) loan is $5 million. Key eligibility factors are based on what the business does to receive its income, its credit history, and where the business operates. Your lender will help you figure out which type of loan is best suited for your needs. Tune in to this episode now to know more about the SBA Programs.
President & CEO of Signature Bank Michael G. “Mick” O'Rourke joins Steve Bertrand on Chicago's Afternoon News with a reminder that there is still money left in the U.S. Small Business Administration’s Economic Injury Disaster Loan program. Mick also gives out his personal cellphone number for anyone with small business banking questions. “Signature Bank. Real people, ready […]
In this episode of Partnering Leadership, Mahan Tavakoli speaks with Steven Preston, President and CEO of Goodwill Industries International. Steve Preston has extensive private sector experience and served as the US Department of Housing and Urban Development secretary and as the US Small Business Administration administrator. Steven Preston shared what influenced him to serve in government and how he led the US Small Business Administration and Department of Housing and Urban development during times of national crisis. Steve Preston also talked about his mission of helping people access employment opportunities, leading him to become CEO of Goodwill Industries International. Steven Preston shares strategies for bridging the opportunity gap, enabling organizations to tap into new pools of employees.Some highlights:- Steve Preston talks about his parents' role in his deep sense of values and sensitivity to inequities in society. - How Steve Preston led the transformation of the Small Business Administration and Department of Housing and Urban Development. - Steve Preston on his personal mission and the opportunity to lead Goodwill Industries International. - The significant impact of giving people access to opportunities.- Steve Preston on the role of employers in providing opportunities and building the workforce of the future. Also mentioned in this episode:Gina Schaefer, the Co-Founder and CEO of A Few Cool Hardware Stores (Listen to Gina's episode on Partnering Leadership Podcast here)Connect with Steven Preston:Steven Preston on LinkedInConnect with Mahan Tavakoli:MahanTavakoli.comMore information and resources available at the Partnering Leadership Podcast website: PartneringLeadership.com
Guest is Heather Endresen, Director, Search Fund Lending at Live Oak Bank. This week, we discuss two deals for sale relevant to SBA lending (Small Business Administration loan programs). Enjoy! THANKS to our sponsors: SMBash.com - Join us in Orlando, FL for one-on-one interaction with others who focus on buying, operating, and investing in the SMB and Micro-PE space. Tiny Acquisitions - Where the BEST tiny projects are acquired. --- Support this podcast: https://anchor.fm/dealtalk/support
So our ‘hypothetical future Jeff Bezos' is ready to launch off on the small business journey. Risk versus reward? Thoughts?There is nothing like starting your own business. It has its advantages, such as control over decisions, future financial upside, and the pursuit of a dream creating a business around a product or service you truly believe in. There is also the challenge side: the owner is on the hook for any shortfall or miscalculation. So having a plan and a viable offering are very important. Let's hit the former one first. The business plan. How important is this, and will a new business owner really need it, or can a powerful idea overcome?Great ideas can be transcendent and lucrative, but a solid business plan is the vehicle that takes you there. This is also the point where you realize whether your new business idea is sound, or has some obstacles to overcome. Don't wait until your bank or prospective investors put you on the spot for it. This is the framework, the line drawing that happens before the Sistine Chapel is painted. Outline your masterpiece first. Be realistic. Be ready for best/worst case scenarios.Once it's done, it's not actually done. Be ready to go back to your business plan down the road and adjust as things in your industry space change. Now, we arrive at viability. There have to be some criteria to make sure you have something promising in the works, right?Does your business fill a need? What value does this business bring to your prospective customers?What differentiates your business. If you say ‘customer service', that's not a bad answer, but it's not a differentiator. (our guest clarifies this more in their own words)Can you monetize the business and be profitable? Understanding what customers will pay for your wares will help you to clear a path to success.Is it sustainable? That is, can your business adapt to the possibility of competition duplicating a process? Or, dare we say it, a pandemic? That's a major event that really can adjust sustainability. (guest can also clarify here)You all knew we'd get here, considering the source of the podcast, but…where does funding fit in this process? Is it better to seek funding from those closer to you? Go a formal loan route? Investors?Having a detailed understanding of how much money you will need to start your business and where it will come from is another critical consideration. Make sure your list of expenses is realistic. Plan for the unexpected.Thinking through where you plan to get the funding for your business is also critical. Think of funding sources as a continuum. On one end, you have options like your own money and money from friends and family. While these may not always be an option, these sources are generally more open to risk. Your friends' and family's expectations for repayment and any potential return on their investments will vary. In the middle, you may have options like partners and investors. These two are generally more open to risk as well, but have a much higher return expectation – including ownership in the business. On the other end, you have options like Small Business Administration loans from your bank. These funds come with less tolerance for risk, but have a much lower return expectation in the form of interest.Useful info/linksSBA has a template for those getting started on their business plan here https://www.sba.gov/business-guide/plan-your-business/write-your-business-planhttps://www.fnbo.com/insights/small-business/https://www.grants.gov/ is a place for business to find and apply for federal grants that might be applicable for your industry.
Join us for episode 353 of The Small Business Show where we answer the question: What does the Small Business Administration actually do for Small Businesses? Then we jump into a new concept about how to coach your customers into good behavior. Listen to your hosts Shannon Jean and Dave Hamilton as they share their experiences with the SBA and how coaching customers can be a win-win for you, your employees, and the customers themselves. 00:00:00 Small Business Show #353 for Wednesday, November 10, 2021 00:01:15 Power Napping Power Tips 00:03:11 How does the SBA help Small Businesses? SBA Training and learning resources SBA Guarantees for loans SBA: Register Your Business 00:11:23 Sprinkle Your Magic Fairy Dust on The Business (aka DO THE WORK) 00:12:56 Elon Musk…The Byproduct Billionaire Sponsors 00:19:29 SPONSOR: Marpipe. No one knows what they're doing with creative testing…but Marpipe does! Book a free demo at Marpipe.com/SBS right now and get $2,000 in credit. Offer expires December 31st. 00:21:57 SPONSOR: Napjitsu. We love power naps here at SBS, and we know you do to. Napjitsu is a new way to recharge your body and your brain. For a limited time, receive 30% off your first purchase at Napjitsu.com/SBS. 00:23:33 Coach Your Clients Into Good Behavior Distill things down to the gist Your Return Policy is a marketing tool Make it clear when you are negotiating and when you aren't Two Tokens Customer Service “This isn't a negotiation, it requires a change of thinking on your part.” Don't let your prices set prices or dictate terms. 00:44:18 SBS 353 Outtro SBS Reviews
Let’s begin today with a Patreon-fueled shout-out! The Plant Northern Piedmont Natives Campaign, an initiative that wants you to grow native plants in yards, farms, public spaces and gardens in the northern Piedmont. The leaves have started to fall as autumn set in, and as they do, this is a good time to begin planning for the spring. Native plants provide habitat, food sources for wildlife, ecosystem resiliency in the face of climate change, and clean water. Start at the Plant Northern Piedmont Natives Facebook page and tell them Lonnie Murray sent you!On today’s show:More details about the next phase of public housing redevelopment in CharlottesvilleCouncil to make a leadership announcement Friday at 3 p.m. UVA Health System reports vaccination numbersLouisa Supervisor Fitzgerald Barnes holds a one-vote lead over his challengerAn overview of the Central Virginia Small Business Development CenterAnd Louisa Supervisors an update on a plan to bring water from the James River to Zion CrossroadsWe begin the day with an announcement of something that’s happening tomorrow. City Council will meet at 3 p.m. for an open meeting with the one word description of “Personnel.” City Communications Director Brian Wheeler explained in an email to me this morning that it will be a leadership announcement. There is no interim city manager in place. What will happen? Leave your guess in the comments. (meeting info)There’s a very close race in one of Louisa County’s magisterial districts. In the Patrick Henry District, incumbent Fitzgerald Barnes has a one-vote lead over challenger William Woody Jr. Qualified absentee ballots can be counted up until tomorrow at noon. Thanks to Tammy Purcell of Engage Louisa for the heads-up. Employees at the University of Virginia Health System had a deadline of November 1 to get a COVID vaccine. Wendy Horton is the CEO of the UVA Health System. “At this point today, we are at 98.4 percent fully vaccinated or exempt as a health system and this includes UVA Community Health as well,” Horton said.However, that leaves 173 employees who will either resign or be terminated for non-compliance. Horton said that includes 83 people who directly work with patients and that number includes 43 registered nurses. People who refuse the vaccine will be suspended without pay for a certain period of time for reflection. Those with approved medical exemptions must have a COVID test each week. Today the Virginia Department of Health reported 1,494 new cases and the seven-day percent positive rate dropped to 5.4 percent. Another 69 deaths have been reported since Tuesday. The Blue Ridge Health District reported 58 new cases today. The percent positivity in the district is 5.1 percent. Yesterday, the City of Charlottesville held a public meeting for the next phase of redevelopment at the Charlottesville Redevelopment and Housing Authority. Carrie Rainey is an urban planner in the city’s Department of Neighborhood Development Services.“What we’re looking at right now is a final site for what is currently a by-right project to build a new apartment building with structured parking at 715 Sixth Street SE,” Rainey said.Riverbend Development is working with the CRHA on this project, continuing a partnership that has also been involved with Crescent Halls and the two phases at South First Street. CRHA has a new redevelopment coordinator in Brandon Collins, formerly with the Public Housing Association of Residents. “Our resident planners at 6th Street have been working diligently on this plan and I think it really reflects CRHA’s approach to resident-led planning and we’re confident this is the best use of this site,” Collins said. The project is at the corner of Monticello Avenue and 6th Street SE. Six of the existing townhouse units will be removed in this first phase at this property. “The reason we’re taking this approach is because we want to ensure that we have a promise and a priority to the residents of public housing that no one will be displaced throughout the redevelopment process,” said Ashley Davies, vice president at Riverbend Development. In all of these redevelopment projects, the land will continue to be owned by CRHA, but the actual structure will be owned by a nonprofit holding company connected to CRHA. The height of the building has not been finalized.“It’s going to be a three or four story building,” Davies said, “We’re still working with the resident planners to determine the exact height of the building and number of units, but for now the site plan shows this as a three-story building and 39 units.”The current zoning is Downtown Extended which would allow for that height. There would be at least 40 parking spaces in a structure beneath the building. The goal is to get the site plan approved in order to help qualify an application for Low Income Housing Tax Credits from the entity formerly known as the Virginia Housing Development Authority. Davies said a master plan is in development for the entire four-acre site, but there is no timeline for how that will proceed. “Those conversations are really just beginning to understand what the overall needs are for that area,” Davies said Comments brought up during the site plan conference included landscaping, parking requirements, and pedestrian safety. The community garden maintained and operated by the Urban Agriculture Collective will be removed to make way for the new units. NDS staff will make comments on the site plan and submit those back to the development team later this month. You’re listening to Charlottesville Community Engagement. Time for the second of two Patreon-fueled shout-outs: Do you suffer from Classical Music Insecurity Complex? That is, you like classical music you hear, but you feel intimidated by all the stuffy etiquette and specialized knowledge? Suffer no more!WTJU is hosting Classical Listening Parties, a series of four free, casual events on Tuesdays in November. These four events are led by Chelsea Holt, pianist, teacher, and one of WTJU’s newest and youngest classical announcers. She’ll guide you through all the eras of classical music beginning Tuesday, Nov 9th, 7 p.m.: Early & Baroque. For a list of the others, visit wtju.net to learn more and sign up! The seven-member Louisa County Board of Supervisors got an update on Monday on the water supply plan for Zion Crossroads, but they also got a pitch from the Central Virginia Small Business Development Center (CVSBDC). The entity is partially funded by the Small Business Administration.“We’re funded by the [Small Business Administration] and the localities that we serve to provide business advising services to individual localities,’ said Greg Dorazio, the assistant director of the CVSBDC. The CVSBDC covers ten counties stretching from Nelson County to Culpeper County from its headquarters in Charlottesville. The idea is to level the playing field for small businesses through counseling. “We have access to research and resources including capital, access to technical experts,” Dorazio said. Last year, the Charlottesville Investment Collaborative became the small business center’s fiscal partner.“Their microloan program is one of the best ways for small businesses to get capital and a lot of folks don’t really know about it,” Dorazio said. Last year during the pandemic, the small business center provided more than double the number of hours of working with clients from around 2,200 hours to over 5,000. That’s in part because of the transition to virtual meetings. “When we’re talking about the client service time, that’s one-on-one with a business owner,” Dorazio said. “We’re really helping them figure out what is the problem they’re facing right now? What are the decisions they need to make? And what do we need to do to help them get the resources they need to make good decisions about their business and continue to grow and move forward?”Dorazio was before the Louisa Board of Supervisors to ask for referrals for businesses as well as $21,249 in funding for the next fiscal year. That decision will come during the budget cycle.The Louisa Board of Supervisors also got an update on progress to build a waterline from the James River to Zion Crossroads. Louisa and Fluvanna are both members of the James River Water Authority, an entity that exists for the purpose.The U.S. Army Corps of Engineers will have to grant a permit for the project and the James River Water Authority was about to submit one that included an intake at the site of Rassawek, an important site in the history of the Monacan Indian Nation. Justin Curtis is with Aqualaw, a firm hired to prepare and submit the permit.“At our request, that application has been put on hold while we evaluate an alternative a site a couple of miles up the river,” Curtis said. “We’re doing that in coordination with the Virginia Department of Historic Resources (VDHR) as well as the Monacan Indian Nation.”Curtis said the decision point for the James River Water Authority will be whether to pursue the alternative, or proceed with the Rassawek site. That could come in December or January. The Rassawek site was selected in 2013 and two of three required permits had been granted. All of the planning work had been conducted.“That site had been selected because it was the shortest, it was the least expensive, and it followed a bunch of existing corridors and lines which is utility siting 101,” Curtis said. “Fewest number of landowners affected and it had the right water quality and quantity to meet our needs.”Curtis said the Monacans had been consulted, but their stance changed as the granting of the permit drew closer. The federal government recognized the tribe in January 2018. (Learn more about Rasswak from Cultural Heritage Partners)“To get the final permit we needed from the U.S. Army Corps of Engineers, we have to go through this process where have to mitigate any impacts to historical or cultural resources and that involves consultations with the tribes and certain other agencies and that added a lot of time and expense to the regulatory process,” Curtis said. Curtis said Alternative 1C, also known as the Forsyth site, is the preferred site for the Monacans. “And we ended up reaching an agreement which was memorialized in writing in January of this year and what we came to an agreement on was that if JRWA went and did a new archaeological study of that alternative site and that study did not find any evidence of buried human remains or historic burial sites, then the Monacans would not oppose the project and they would support the project and help us work through the remainder of the permitting process,” Curtis said. The first phase was completed in August and while historic materials were found, none of them were human remains. The second phase started on Monday and will be concluded the week of December 6. The results will be discussed at the next meeting of the James River Water Authority on December 8. Special announcement of a continuing promo with Ting! Are you interested in fast internet? Visit this site and enter your address to see if you can get service through Ting. If you decide to proceed to make the switch, you’ll get:Free installationSecond month of Ting service for freeA $75 gift card to the Downtown MallAdditionally, Ting will match your Substack subscription to support Town Crier Productions, the company that produces this newsletter and other community offerings. So, your $5 a month subscription yields $5 for TCP. Your $50 a year subscription yields $50 for TCP? The same goes for a $200 a year subscription! All goes to cover the costs of getting this newsletter out as often as possible. Learn more here! This is a public episode. Get access to private episodes at communityengagement.substack.com/subscribe
In this episode of the Learning from Smart People Podcast, Wanda Allen talks about how to improve sales through follow-up. Rob Oliver asks her about her background and the conversation from their covers this uncomfortable and feared topic. Wanda Allen says that follow-up is one of the major obstacles to more sales. Here are a few of the major points from the Rob Oliver's conversation with Wanda Allen about how to improve sales through follow-up: · Wanda's back story of starting as a banker working with Small Business Administration loans · How her job forced her to create systems · Her study of the sales process uncovered the importance of follow-up at every stage · A layoff opened her up to her next career opportunity as a speaker and trainer · System as a concept can mean the same thing as a “daily routine” · A customer relationship management software is the heart of the system · Reminders in your CRM are your call to action · There are a number of options for CRMs, the important thing is to use it! · There is a difference between working in your comfort zone and truly being systematized · It's okay to have more than one process, just not too many! · Mindset is key in the follow-up process · Fear is a huge obstacle to follow-up · 80% of sales are made between the 5th and 12th contact · Suggestions for what to include in the “Notes” section of your CRM · There are multiple ways to stay in touch without being salesy · Be careful to understand that you do not know what other people are going to think · Only 10% of people make contact more than 3 times · 98% of the time, you are going to have to follow-up in order to get the sale! You can learn more about Wanda Allen, her speaking, coursework and freebies through her links below: Website: https://followupsalesstrategies.com/ Twitter: https://twitter.com/salesfollowup Facebook: https://www.facebook.com/FollowUpSalesStrategies Instagram: https://www.instagram.com/followupsalesstrategies/ Linkedin: https://www.linkedin.com/in/wandaallen/ Thanks for listening to the Learning from Smart People Podcast! Please Subscribe, leave a comment and follow us on social media: Twitter: http://twitter.com/LFSPPodcast Instagram: http://instagram.com/LFSPPodcast Facebook: http://facebook.com/LFSPPodcast LinkedIn: https://www.linkedin.com/company/lfsppodcast/ LinkedIn: https://www.linkedin.com/in/imroboliver/ YouTube: https://www.youtube.com/channel/UCbWV_LuUad7ZWuE9j5D9v-w You can also use the “Contact” page on the “Learning from Smart People” website: https://www.learningfromsmartpeople.com
What is the technology strategy for the U.S. Small Business Administration (SBA)? How is it using technology and innovation to change the way it does business? How has SBA adjusted its operations to meet the demands of its pandemic recovery mission? Join host Michael Keegan as he explores these questions and more with Sanjay Gupta, […]
Ish and Jon talk with Jeff Sloan, Founder & CEO, StartupNation. Whether you believe entrepreneurship is in your DNA or not, they talk about everyone's ability to start, grow, and manage a successful business. Jeff Sloan is a visionary and entrepreneurial expert with proficiency in creating and developing early-stage companies. With over 30 years of experience, Jeff has truly lived the entrepreneurial journey and is dedicated to helping others realize their potential by bringing their ideas to life. Entrepreneurs are Jeff's people. Like him, they become stronger when faced with a challenge, and see it as their obligation to courageously pursue a better way, no matter the odds. They understand, like Jeff, that successful people take command of their reality and transform it into something great. Jeff serves as founder and CEO of StartupNation LLC., a multi-media company that provides education and inspiration to aspiring entrepreneurs and existing small business owners. StartupNation.com, founded and led by Jeff, is one of the leading brands in the world of entrepreneurship, with over 2,000,000 people using the StartupNation “10 Steps to Open for Business” startup process. In his leading role with StartupNation, Jeff hosts the award-winning StartupNation Radio show on WJR AM 760 in Detroit, which has aired since 2004 in over 85 markets nationally. Jeff also hosts the daily WJR “Business Beat” segment live on air during the morning drive prime-time programming, in which he spotlights subject matter of interest to the entrepreneurial, startup, and tech community. Jeff is also founder and CEO of Aria Ventures, LLC., a company that partners with founders to develop their business concepts into viable startup businesses. For select ventures, Jeff and his team actively guide the business planning process, invest directly and/or raise seed funding in the startup and provide ongoing strategic guidance through the entire development, launch, and growth lifecycle. Jeff's firm has raised over $60 million in venture and angel funding for a portfolio of startup ventures and has successfully led five portfolio companies from startup to exit, totaling over $200 million in exit value. Jeff's current portfolio of ventures can be viewed here. In addition to Jeff's leadership roles at StartupNation and Aria Ventures, Jeff founded and leads the app known as FanLabel, a music gamification platform that has been embraced by both the biggest companies in the music business as well as by an active user-base. In this role, Jeff works alongside top record labels and today's hottest artists to understand the preferences and opinions of listeners to be more effective in supporting artist promotion and monetization. Jeff is a true evangelist for the virtues of entrepreneurship. He was recognized as a “Small Business Journalist of the Year” awardee in 2005 by the U.S. Small Business Administration and has been interviewed on numerous national and local media networks, including Fox Business News, The New York Times, and The Wall Street Journal. A published author, Jeff shares his entrepreneurial expertise in an acclaimed how-to book, “StartupNation: Open for Business,” published by Doubleday. Jeff has been named one of the 500 most powerful business leaders in metro Detroit by DBusiness magazine's “Detroit 500,” as well as Small Business Journalist of the Year, Midwest Region; and among Detroit's top 20 “Dynamic Duos” in Business. Jeff has keynoted numerous entrepreneurial and business conferences, including the Microsoft Small Business Conference and the Small Business Administration of America annual conference. Connect with Jon Dwoskin: Twitter: @jdwoskin Facebook: https://www.facebook.com/jonathan.dwoskin Instagram: https://www.instagram.com/thejondwoskinexperience/ Website: https://jondwoskin.com/LinkedIn: https://www.linkedin.com/in/jondwoskin/ Email: firstname.lastname@example.org Get Jon's Book: The Think Big Movement: Grow your business big. Very Big! Connect with Jeff Sloan: Website: https://startupnation.com/ LinkedIn: https://www.linkedin.com/in/jeffsloandetroit/
Crowell & Moring's “All Things Protest” podcast keeps you up to date on major trends in bid protest litigation, key developments in high-profile cases, and best practices in state and federal procurement. In this episode, host Olivia Lynch is joined by Michael Samuels to discuss a recent decision from the Small Business Administration's Office of Hearings and Appeals on the ostensible subcontractor rule as well as a recent Government Accountability Office decision sustaining a protest of an agency solicitation that required a joint venture competing for the award, as opposed to the individual members of the joint venture, to hold a top secret facility clearance. Materials Discussed in This Episode Size Appeal of Telesis Corp., SBA No. SIZ-6114 (2021) InfoPoint, LLC, B-419856, August 27, 2021, 2021 CPD ⁋ 290
Today Crystal is joined by candidate for King County Council District 3, Sarah Perry. They discuss Sarah's vision for community involvement in the district, how Sarah would work with communities that have been fully ignored by the incumbent Kathy Lambert, and her opponents outrageous take on sexual assault (among other things), supporting small businesses, and much more. As always, a full text transcript of the show is available below and at officialhacksandwonks.com. Find the host, Crystal Fincher on Twitter at @finchfrii and find today's guest, Sarah Perry, at @perryelect. More info is available at officialhacksandwonks.com. Resources Night by Elie Wiesel: https://bookshop.org/books/night-9780374500016/9780374500016 “'Don't go to a hotel room' with a drunk man. Councilmember Kathy Lambert's full KUOW interview” by Sydney Brownstone and Isolde Raftery from KUOW:https://www.kuow.org/stories/word-for-word-this-is-what-kathy-lambert-said “Seattle Times Rescinds Kathy Lambert Endorsement Over Racist Mailer” by Doug Trumm from The Urbanist: https://www.theurbanist.org/2021/10/12/seattle-times-rescinds-kathy-lambert-endorsement-over-racist-mailer/ “About the GMA [Growth Management Act” from Future Wise: http://www.futurewise.org/growth-management-act “2018 Small Business Profile” from the U.S. Small Business Administration: https://www.sba.gov/sites/default/files/advocacy/2018-Small-Business-Profiles-US.pdf “Washington trails the nation in mental health treatment” by Drew Atkins from Crosscut: https://crosscut.com/2016/07/how-washington-is-failing-the-mentally-ill “Chicago attorney, activist picked as King County's new director of Office of Law Enforcement Oversight” by Mike Carter from The Seattle Times: https://www.seattletimes.com/seattle-news/chicago-attorney-activist-picked-as-king-countys-new-director-of-office-of-law-enforcement-oversight/ More information about Sarah Perry's campaign for King County Council: https://www.electsarahperry.org/ Transcript [00:00:00] Crystal Fincher: Welcome to Hacks & Wonks. I'm Crystal Fincher, and I'm a political consultant and your host. On this show we talk with policy wonks and political hacks to gather insight into local politics and policy in Washington state through the lens of those doing the work with behind-the-scenes perspectives on what's happening, why it's happening, and what you can do about it. Full transcripts and resources referenced in the show are always available at officialhacksandwonks.com and in our episode notes. Today, I'm very excited to have Sarah Perry joining us - candidate for King County Council. Welcome! [00:00:46] Sarah Perry: Thank you - I'm so happy to be here. Thank you for having me. [00:00:49] Crystal Fincher: Yeah - I am thrilled and excited - this is another race outside of Seattle. Sometimes we can get so Seattle-centric and focused on that, but man, there's a lot going on outside of Seattle that is hugely important to our region - impactful to the City, to the County, to our State realistically. And this is one of the most consequential races we face because this isn't just two people on the margins who agree on a lot of stuff. This isn't one of those - this may be a blowout race. This is highly competitive. You're running against an incumbent Republican - Kathy Lambert. This is in an Eastside district - so Issaquah, Redmond, Sammamish, some unincorporated King County - and wow, this is one of the premier races this cycle. What made you decide to run? [00:01:45] Sarah Perry: I am so committed to civic engagement. I have a background in nonprofit and government sectors. I was the first Eastside - I was the first executive director for Eastside Housing, which is now Springboard Alliance at the base of Avondale and Redmond. And went from there to Seattle University and then to Social Venture Partners International. When I was at Social Venture Partners International, I went to Birkenau - Auschwitz-Birkenau - on the Rick Steves tour with my husband. And I was reading Elie Wiesel's Night - it was two weeks before the Holocaust survivor passed away. I was standing in Birkenau - Auschwitz-Birkenau - where he stood. And that was '16. And I knew in every fiber of my being that she was going to win that election. I just knew it - I felt it in my bones. But if for some chance she didn't win, all I could see were trains of Muslims this time, or trains of immigrants, or trains of people with brown skin because of the rhetoric from the candidate at the time - our former president. And I felt like I had to do something when I got back - something was so moved in me in that experience. And it's still with me and I knew I had to do something. So I came back home and went to the single most unorganized experience of a 1,000 people - called the Democratic caucus. It was ridiculous. There were people booing with Hillary and with Bernie - it was ridiculous. Five people talking for one minute, one person talking for five minutes - and everybody's upset. And I'm an organizer in my sleep - and so I decided after four hours, I was going to get up and go home, or I was going to go and offer help. So I decided to do that first, and I did. He didn't know if I was friend or foe. I didn't know there was a Legislative District 5. I'd been involved in politics for campaigns - for presidential campaigns - throughout with my family, growing up with my family and my current family, but I had not been more involved. And so I didn't quite understand all of this and this man invited me to come and help with that - with selecting speakers. The next week, he asked me to come to an executive - what turned out to be an Executive Board for the 5th Legislative District Democrats. And they nominated me as PCO chair on the spot. And I said, "That's great. That's great. What do they do?" And they said, "We don't know. We've never had one." I said, "Okay. Okay." So I was committed. I'm still committed in my marrow. And so I started calling people that were alternates and delegates. I started calling - I wanted an equal balance of people that identified as men and people that identified as women, and people who were supporting Bernie and supporting Hillary at their highest value. I wanted both at their highest value. So we pulled together a group of 24 leaders in '16 and in '17, and we started recruiting volunteers. And then in 2018, we had over 150 canvassers to activate - who knocked on 50 doors once a month for that entire year. And we flipped the 5th District and elected Bill Ramos as State Rep, Lisa Callan as State Rep, and then Kim Schrier also - a big part of the 8th Congressional District is the 5th District. So that experience was electric for me - seeing people, a whole bunch of people, giving a little bit in a way that works in their life - it was just electric. And I was inspired. And after that I came home - when Bill Ramos was looking like he was going to win, I left Social Venture Partners International, came home and began my work again. I'd started work with Perry Consulting - decade before, two decades before - and I built that up again. And as I was doing this volunteer work - so it was 30 to 40 hours of volunteer work each week - while I had my day job. And as I was doing that, I just continued to be deeply connected to the House and the Senate and the Governor and Bob Ferguson and all these different candidates. So once that happened, the House and the Senate hired me to do the same kind of thing in Puyallup and Vancouver, Washington - and that was amazing. And then pandemic - doing this in the middle of phone calls was a completely different experience, but still the bones were in place. During that whole time, people were saying, "When are you going to run? When are you going to run? When are you going to run? This is all great. Thanks for organizing. When are you going to run? And when are you going to run specifically for this position?" And I've been thinking about it because what I am at heart is a coalition builder - I love to mobilize people and engage people in shared values. And so I looked at this position very carefully and I realized there are many, many voices that are not being heard from. We have a huge community of Hindu and Muslim, secular Indian and African. We also have Latinos, the Hmong community, African-American community. Many of these voices are not at the table in discussion with our current King County representative. Many have never ever seen her - many, many. There are areas around the environment and around transit that desperately need support and need attention and need complex thinking, not simple singular solutions. And I am ready to take that on and I am thrilled with the opportunity. And the first thing I did was I called Bob Ferguson and I said, "I'm thinking about doing this. Am I nuts? What do you think?" And he said, "If you do this, I will move everything in my power to help you get elected." I said, "That is amazing. Why would you do that? I mean, thank you, but why would you do that?" And he said, "Because we've been looking for someone for years who could run in this position and represent the values of this district and where we need to go. And if anybody can do it, you can do it." So that just continued to move forward, continued to move forward - and I got a similar message from so many people and yeah, I am completely, completely electric about this opportunity for coalition building so we have civic engagement throughout KCD 3. [00:08:25] Crystal Fincher: And that's what makes me so excited about you. I had mentioned to you before - a mutual friend of ours was who first turned me on to you. And it was just like, "You know what? There is this woman in Issaquah who," - and Issqauah was not organized in any way - in the Democratic party, outside. Many people had kind of written off in terms of organization or engagement - the Eastside. Certainly that County Council district is represented by a Republican - it's purple if not red. Hey, let's go focus somewhere else. And there, there wasn't much going on there. And you basically said, "Yeah I'm just going to do this." And knocked on doors in neighborhoods, found Precinct Committee Officers who are critical to increasing turnout and to helping people get out the vote for Democratic candidates and left-leaning candidates - critical, especially in districts represented by Republicans. And just did the work. I appreciate people who just do the work. [00:09:38] Sarah Perry: I appreciate people who do the work too. [00:09:43] Crystal Fincher: So that's what got me so excited - because not only were you willing to do the work, but you were effective - you were highly successful in recruiting PCOs and reaching out to members of all different types of communities and bringing everyone together. And as you said, you were - I feel that you were critical - you were a critical component in flipping the Legislative District. And certainly the coalition that you are continuing to build is certainly propelling you in this race and wow, what a competitive race it is. And just in case people have not been paying close attention to this district race with Kathy Lambert. Kathy's a problem. Kathy is a proud Republican - praised Education Secretary Betsy DeVos, voted against storing guns safely, voted against pro-choice causes. Joe Fain, a former Senator - State Senator in the 47th district - was credibly accused of rape, ended up losing his seat - that certainly contributed to it. And she blamed the victim and went as far as saying, "Hey, when I was younger, slapping a woman on the butt was a compliment." Now to be clear - Joe Fain was accused of much more than that, but just that - like who does that today? You know - just take it as a compliment, who should know - and just blindly defending Joe Fain. It's just problem, upon problem, upon problem. And so the values that she represents are so far away from where people are at today. Looking at how the district has been voting, it's been trending far away from that and getting further away. So the primary was interesting - it was a competitive primary and who is going to be the Democrat who comes out to face Kathy Lambert. This is a top two primary, but it is a Democrat and a Republican. And so you wound up being the choice of the community and of progressives to go up against Kathy Lambert - and wow. How do you begin to address the needs and the issues of the community when you have someone so extreme, and so problematic, and out of touch with people? What's it like to run against that? And what are you focused on getting accomplished first? [00:12:34] Sarah Perry: Thanks. You know - she is who she is, she's who she's always been. And we can no longer afford to have simple solutions. And part of the challenge is that she's been here for 20 years since Bush was in office. And our district has changed so much since then - 68% of our district voted for Biden. Bob Ferguson, Mike Pellicciotti - they're at 65% - it really is very strong in that direction. But that aside, she is a strong supporter, as you say, of Betsy DeVos - I'm a strong supporter of public education. And when I look at the district and because of the work that I've done in Issaquah - so I've lived in Issaquah for 21 years, North Bend for six years, worked and played throughout the district - I love this district. I love the cities of Issaquah, Sammamish and Redmond. We have unincorporated Woodinville, we have these beautiful towns of Duvall, Carnation, Snoqualmie, Skykomish, Fall City. One third of our district is unincorporated, and when you look at the primary, that's where she had any of her strength and the 40% that she received of the vote was from that area - 60% between me and the other Democratic challenger, Joe Cohen, who turned around and endorsed me - for which I'm very grateful. You know - I feel that with the work that we're doing at the doors, with the support that we've been able to raise, the endorsements that we've been able to raise - I have a few folks that would have otherwise voted for her and supported her, but feel so strongly that she's just not able to get the work done anymore on council. They don't feel the same way about the others, but they feel this way about her. And so, essentially, we need a fighter in this position. And I think people know that - I think people are also - they get tired of the same person for so long, especially in a district that has shifted so much. So many new families have moved in and so much more diversity. And we just have a lot of work to do here. So when I'm talking to the environmental community, they just come right in - and they're excited that I am focused on Growth Management Act and keeping the growth in our urban boundaries. They're excited that we set up zoning laws to protect our farmers and our farmland - not so that somebody can come along and allow businesses to be set up, favorite friends or whatever, and not have the mitigation for the sewer, so that the sewage runs into the farmland and into the waterways. And it's those businesses, but not these businesses - so I'm a middle child and things have to be fair. And so it really - I'm really okay with what we do, but we have to do it together. We have to have this conversation together - look at how all of the communities are impacted, make sure there's an environmental impact statement, and go from there. We do need to upgrade the Growth Management Act - it's absolutely true, but we have five forests and four watersheds. We have federal, state, county, city and private forest. We have so much space - 500 of the 1,500 miles of unincorporated roads are in this district. People come out here from all over the place and because we're the second fastest growing district in the next 10 years next to Bellevue - Claudia's is also in there. We have so much to protect if we're going to meet our environmental impact goals. So people - it's resonating with the environmental community, it's resonating with the transit community who understands that we need to make it very convenient for people to get out of their single-use vehicles into electric shuttles or the bike lane or walkways. And also that we are focusing on safe communities from a collaborative standpoint, so that we have folks working together who are most impacted with the Office of Law Enforcement Oversight, with the new Sheriff - making sure that the people who feel most impacted by any bias that might be going on are in that conversation together. And we do it together. And when we lean in, things only improve. And so having more civic engagement is a very exciting thing to me. And I think when we have these conversations one after the other, it just seems to be resonating with people and they're coming on board. So she raised a $100,000, she spent a $100,000 in the primary. She's got another $140,000 from 20 years of not being seriously challenged that she's bringing into the general. And I spent so much of my money - I've got half of that right now. It doesn't look like that on the PDC, but I've got half of that to be able to meet all of the challenges for these next three weeks before the ballots arrive. So I'm just working really hard to shore up that support so that we can have the digital and cable and mailings that we need, 'cause I know that that's her focus - digital. [00:17:53] Crystal Fincher: Absolutely. [00:17:53] Sarah Perry: Yeah. [00:17:54] Crystal Fincher: Yeah. Now there's a lot that going to be on your plate, if and when you get elected. We're facing so many crises that are converging and making each other crisis worse. We're still in the middle of this pandemic, we're still dealing with COVID - and it's a huge problem. And negotiating through how this is being handled at schools, at local businesses, just in the community. There's an eviction cliff coming and getting the assistance out that has been provided for at the County has been a major problem. And getting the funds that are already earmarked to help people prevent eviction hasn't quite been happening. And so there's still a massive risk of people who are behind on their rent - most of them multiple months. We've got people struggling - the have-nots have less, the haves have even more throughout this pandemic. And so there are people who are really at the margins just struggling - who've been put out of work, who've had hours reduced - a lot of uncertainty with businesses as we continue to negotiate through COVID and more. How do you address all of that? What is the plan? [00:19:26] Sarah Perry: That is a great question. One of the first things that I'm going to do is build a KCD 3 community coalition. So what I want is I want people at the table. I want people looking at current practices and policies from each of our communities, from education and business, environmental, from our secular Indian and African communities, our Hindu, our Muslim communities, our Sikh, Latino, African-American. I want everybody at that conversation so that we can look at where King County is impacting with the tax dollars - all of its residents and where it's completely missing it. I'm also very appreciative of the work that Senator Manka Dhingra and Claudia Balducci have done. They've met with business owners from the communities of color every month all year - throughout the pandemic - all year last year, and into this year. And the current incumbent in this district has not attended one. I just don't understand that. And so I'm very excited to work with communities of color and businesses. I believe that when our small businesses thrive, our communities thrive. I know they provide half the jobs in this country - they're the second most trusted institution in this country and in every community they need to thrive. And that's why we're doing a small business Saturday video - I'm going to continue to do a highlighting of businesses and work to see what we can do to streamline fees and regulations across all seven cities that can be cumbersome and inhibit the success of our small businesses at a critical time - that part's important. I'm very interested in women - in strengthening women and women's self-sufficiency. I want to see transit options that are working with childcare, that support people in childcare, and needs for elder care. I want to see the support coming in more and more for our labor industry, for women, and for communities of color - in internship programs to strengthen these spaces, to promote a middle-class income. I want to see our housing really focus in on what we can do. I know that we - the seven cities had to figure out how much housing and the jobs and transit through 2044 - that was a few months back. And Redmond requested the majority - the lion's share of housing in this district through 2044, and that is because of light rail. So there's going to be huge development in Redmond for affordable housing, workforce housing, many different kinds of housing centered around light rail and mass transit opportunities. In Issaquah, there's 8,000 apartments and townhouses coming in. In the foreseeable future, there's just a lot of development of this kind of housing. And I want to make sure that it's not just affordable, but that it's attainable. I want to see people be able to live, work and play in the same community if that is their choice. That impacts our social texture, it impacts our environment, it impacts all of the areas that are of most critical concern. And because this is one of the two fastest growing region, districts in all of nine districts in King County, we have to get a hold of this. We have to pay attention to how we're going to do this together in a smart way. So I want to be in that conversation, but I'm not going to wear the white cape and step up and say, "Thanks for waiting. Here's the solution." I'm going to bring in people who are closest to the issue at hand and experts in the area - in these different spaces and have that dialogue together so that it is informed by the communities. That is what is critically missing in this district - is that things are not informed by the communities. There's a solution that's too simple, that's brought up and moved forward, and nobody will vote for it on council, and it goes nowhere, and it's talked about over and over and over for years and nothing happens. So we need to shake that up and do it differently and act as if every single resident, the voice of every single resident, matters. And I mean whether they agree with each other or not - I want a good balance of people who are grounded in their values. Like my husband and I, we don't always get along and I can be strong, he can be strong - but we put the marriage in the middle of that conversation. It is the health of the marriage that we look at when we are moving forward. And I want the health of our community as the thing that we look at when we are moving forward. But I want people who feel strongly and have divergent viewpoints and they're grounded in their values - I want those folks at the table - not for the fight, but for the movement forward. . [00:24:20] Crystal Fincher: Well, and that's an interesting point that you bring up. And one that - in talking with a lot of candidates - there's wanting to get community and put - absolutely necessary and needing to make sure that you are including people who are impacted in solutions. If you don't, they're not going to work - they're certainly not going to serve everybody. But at the end of the day, you have to make a decision one way or the other. How do you parse hearing different viewpoints, talking to different communities, having sometimes competing interests, sometimes just different interests that aren't necessarily competing - just different? How do you parse that at the end of the day? And I guess - what is your North Star, when you're saying first and foremost, I have to make sure that I deliver this for the community - how do you parse that? [00:25:15] Sarah Perry: Greatest good is always my North Star - what is the greatest good? What is the least suffering? Who is suffering the most? So when everybody does better, everybody does better, right? So I want to make sure that we are looking at our communities that are struggling the most, that are in the most vulnerable situation. And look at that as the guidepost for how we get to better - because better is determined by your weakest space. And weakest not being the people - people are often very strong, but they are not listened to or deliberately ignored. And we need to make sure that we are hearing what is best for each of the communities and engaging. And at the end of the day, I'm going to look at the greatest good - what's happening for our children, what's happening for our seniors, what's happening for our women. These are things that sit with me - women really rock the communities. They hold the communities and they need to be supported in raising their families and in supporting elder parents. And what does that mean? That means when they need to be supported - it means recognizing that childcare and eldercare is not women's work. It's the work of our future collectively. So it's really a telltale that so many of our women have had to leave the workforce because they're paid less in the partnerships, they're paid less for the same job. They leave the workforce to take care of the children or to take care of their elder parents. And the challenge there is that they're then sacrificing their advancement, their financial prosperity in the future, their children's education and advancement in the future. There are so many dominoes to that - that fall. And so, you know, I'm really focused on how we take care of our children and our elderly and our most vulnerable first - as a society, as a people. [00:27:21] Crystal Fincher: Well and we're in a situation where we're seeing the most vulnerable suffering in ways that are heartbreaking and frankly unnecessary - they're results of policy decisions - whether it's looking at our sizable unhoused population, people dealing with mental illness and mental health issues, which has certainly been aggravated by everything that people have had to deal with throughout this pandemic. And people just wanting to feel safe in their neighborhoods and not necessarily feeling that way - that those who currently are in charge of policing don't always serve the goal of public safety for everyone. How do you address that? [00:28:08] Sarah Perry: Yeah. Homelessness - not having housing - is a complicated issue. And you might have folks who are struggling with behavioral health - we, in my family, have had the opportunity, the unfortunate opportunity, to see the acute failure of our state in this area - in our family. And seeing that firsthand - watching what's possible, watching how it works with a family that can have choices - as we had the privilege of choice to go to other states. Others don't have that option. This affects all of us and people could be - they could not have housing because they had behavioral health issues that Washington State really does not have the training and the resources and the personnel and the psychiatric hospital beds to address. We are below Tennessee. We are below Mississippi. This is a great state. Why is that? Why is that, right? And Manka Dhingra has done amazing work. She's moved us up - we were 48th. We're now like 35th - something like that - because of her work. She's such a Trojan, such a champion in this area. It could be because somebody has a behavioral health issue and is not getting the medication, the counseling, the psychiatry, and the support they need to get through that blip in their life - and it becomes a catastrophe rather than a blip, and where they can then go on to live a meaningful stable life. Or it could be substance use disorders - so addiction is serious and real and heavy. It's opioid, it's alcohol, it's other drugs - sometimes that's used to self-medicate with behavioral health needs. Sometimes it's just the pure addiction unto itself - it needs its own set of complicated, not simple solutions - complicated, not simple solutions for mental health, for behavioral health needs as well. And then you also might just be - you've got your kids, you're living in a car because why - well, you're working - but you have to pay childcare, which costs the same as another mortgage or rent. So you can scrape that together to keep your kids stable and you're working and you're living in your car - first, last and deposit without behavioral health issues, without substance use issues - just plain too expensive without enough support. These are complicated issues, but we are a smart people. We are a smart, smart people, and we can figure this out. But the only way we can figure it out is if we own it as our issue. Yeah, 1% or 2% are given a bus fare from Florida or somewhere else - one-way to Seattle - that is true, but it's a phenomenal thing. Phenomenology thing - it's 1% or 2% - the rest start in the zip code that they end up in. These are our people - they're my weird Uncle Al, or they're our kids, or they're our siblings, or they're parents. All of these are our people, and until we embrace that as a solution that cannot be swept away - people don't - human beings don't go away. It's not going to go away until we lean into it and engage and embrace and look at these solutions together and own it together. It's complicated, but it's only through that complicated, sophisticated work together that we can come to a solution and we can do it. And I am excited to be in a district here that can support folks being safe, finding housing, feeling safe walking around in their communities, walking into businesses, not having to walk on needles and excrement, feeling safe in that way. Knowing that they have law enforcement who are not the bad apples, but the good apples that have stuck around and they want to understand their own racial bias and they want to comply with the accountability and transparency. They're the leading edge in those conversations because they know it's critical and they're in it and they welcome it - like our new Director of the Law Enforcement Oversight. He knows - he knows that he has to lean into the community and if the community doesn't work with him, it won't work. He knows that. Well, that is an amazing first start. And he's Muslim. That's a lovely thing too. [00:32:18] Crystal Fincher: Well, I appreciate the thoughtfulness that you've taken in your approach and just how you've involved the entire community. If people want to learn more about your campaign, get involved - how do they do that? [00:32:34] Sarah Perry: ElectSarahPerry.org is the website, and there are opportunities for weekend canvasses or canvases during - we go every single day - I'm knocking on 50 doors a day. But people can go knock if they're comfortable - we show them, we take all safety protocols - only vaccinated folks and still wearing masks. But they can do that - we are doing phone banks, we are doing text banks. They can make a contribution to support our campaign. We'll be doing sign wavings. We got lots of opportunities with labor to do sign wavings as well and lit drops - all of those things are in place and they can check out our website, give us a call. We would love to get anybody involved at the level - lots or little time - they like to do it - to make, to be effective and to feel like they're contributing to changing democracy because this district needs that change. And we need you with us to win. [00:33:28] Crystal Fincher: Absolutely, it does. Thank you so much for taking the time to talk to us. We're going to be keeping our eye on this. It's one of the biggest opportunities this cycle to make a big change from a Republican district to a Democratic one. And in one of the biggest, most prosperous districts and the biggest county in the state - that's incredibly impactful. Thank you so much for taking the time to talk to us today. [00:33:55] Sarah Perry: Thank you for having me - really, really appreciate being here and you elevating this and letting folks know what's happening on the Eastside. [00:34:03] Crystal Fincher: I thank you all for listening to Hacks & Wonks on KVRU 105.7 FM. The producer of Hacks & Wonks is Lisl Stadler with assistance from Shannon Chang. You can find me on Twitter @finchfrii, spelled F-I-N-C-H-F-R-I-I and now you can follow Hacks & Wonks on iTunes, Spotify, wherever else you get your podcasts - just type "Hacks and Wonks" into the search bar. Be sure to subscribe to get our Friday almost-live shows and our midweek show delivered to your podcast feed. If you like us, leave a review wherever you listen to Hacks & Wonks. You can also get a full transcript of this episode and links to the resources referenced in the show at officalhacksandwonks.com and in the episode notes. Thanks for tuning in - we'll talk to you next time.
BUILD BACK BETTER BILL (infrastructure Investment and Jobs Act): WHAT'S IN IT FOR REAL ESTATE? $90 Billion for Section 8 $80 Billion for Public Housing $10 Billion for First-Time Homebuyers $5.3 Billion for Rural Housing $4.3 Billion for the “Unlocking Possibilities Program” $4 Billion for Distressed Multifamily Housing $4 Billion for Flood Resilience $2.8 Billion for Minority-Owned Businesses The Build Back Better bill also includes significant money for transportation improvements, re-routing streets and removing lead paint from housing, all of which could have significant effects on real estate markets. Twenty-five billion is also going to the Small Business Administration including money for the popular 7(a) microloan program, which serves many real estate businesses. (Note: SBA inspector general suggests further evaluation of program.) Also notable is what the house bill did not end up including. The bill fails to close two tax loopholes—the so-called carried interest loophole and like-kind exchanges. The carried interest loophole allows taxpayers to pay a much lower rate on capital gains compared to straight income, and like-kind exchanges involve deferring taxes when exchanging investment properties. NAR has lobbied against changing these practices, which largely benefit very wealthy individuals, arguing that they are not loopholes and promote business growth, while some politicians on both sides of the aisle see them as contributing to massive wealth inequality.
Listen to Susan Moser, Partner and Leader of Cherry Bekaert's Government Contracting practice, and Eric Poppe, a Senior Manager in the Government Contracting practice, discuss winning an 8(a) competitive contract in episode five of our podcast series on the Small Business Administration's (SBA) 8(a) Business Development program.In part five, they discuss:An overview of what Section 8 of the Small Business Act authorizesBest practices for finding 8(a) competitive procurement opportunitiesSingle award vs. multiple award contracts, and what to be aware of when considering teaming partners Best practices and considerations when putting together a proposal, from identifying teaming partners early on, to understanding the Federal Acquisition Regulation (FAR) compliance requirements and contract types, to cost and pricing and indirect rates.Benefits of requesting a debrief on your proposalIf you haven't already, catch up on other episodes in our podcast series discussing various aspects of the Small Business Administration's (SBA) 8(a) Business Development Program:Part I: The SBA 8(a) Business Development Program – What Is It and What Are the Requirements?Part II: The SBA 8(a) Business Development Program Application Process and RequirementsPart III: What Are the Compliance Requirements for 8(a) Certified Companies?Part IV: Winning an SBA 8(a) Sole Source Award Contract – What's Involved and What to KnowOur Government Contractor Services group has an in-depth understanding of the 8(a) program and advises 8(a) government contractors through each step of the process to add value and anticipate ongoing opportunities. From the initial important decisions made in becoming an 8(a), to the first contract, to how the company is growing throughout the life of the program.
Starting a new business is one of the most exciting and nerve-wracking moments in a person's life. The stakes are high: depending on your situation, your whole net worth could be on the line. So how can you make sure that you're in a position to succeed? On this episode of In Good Companies, we're talking business beginnings—the things you can do to prepare for what's ahead. Guests Alan Thomes (Managing Director of SBA Banking, Cadence Bank) and Allan Adams (State Director, University of Georgia SBDC) join us to discuss bulletproof business plans, funding options, and developing relationships with key stakeholders. Together, we'll uncover key resources, like expert consultation (for free!) from the Small Business Development Center and low-risk loans through the Small Business Administration. You'll learn who you need to talk to and how to avoid the pitfalls of overexcited entrepreneurship. Business isn't a sprint, it's a marathon—and nobody rolls out of bed and runs a marathon without training. Preparation is essential and the more prepared you are, the more confidence you'll have as issues arise. So let us guide you to the starting line, and when the bell rings and you open your doors, you'll be ready. Highlights: The dangers of overexcited entrepreneurship (2:07) Doing your homework (5:41) How the SBDC helps entrepreneurs (7:10) Crafting a business plan (11:09) The 5 C's of Credit (12:11) How a solid business plan can open doors (14:19) Funding options (15:22) Introduction to the SBA and 7a Loans (18:24) Why you need to create a relationship with your lender (22:51) Think of your bank as a partner (24:43) Links: Cadence Bank Website Cadence Bank Twitter Cadence Bank LinkedIn Cadence Bank – SBA Loans Small Business Administration Website SBDC (Small Business Development Center) Website University of Georgia SBDC Website University of Georgia SBDC Twitter Allan Adams LinkedIn Alan Thomes LinkedIn Feedback:If you have questions about the show or topics you'd like discussed in future episodes, email our producer, email@example.com
Natalie Cofield is the Assistant Administrator for the Small Business Administration (SBA) Office of Women's Business Ownership, and she joins the show with exciting news to share: a new Women's Business Center has opened in Tulsa, OK, making it the 139th center across the country. These centers seek to provide resources to help women entrepreneurs start and grow their businesses. And beyond what it will provide for the community, it's also a historic beginning, 100 years after the Black community in Tulsa's Greenwood district, known as “Black Wall Street,” was destroyed in a racist attack that took the lives of approximately 300 Black Americans, and countless homes and businesses were destroyed. To learn more about SBA's programs and services for women entrepreneurs, visit www.sba.gov/women. To find other WBC locations and additional SBA resources, visit www.sba.gov/tools/local-assistance. Executive Producer: Adell Coleman Producer: Brittany Temple Distributor: DCP Entertainment For additional content: makeitplain.com Learn more about your ad choices. Visit megaphone.fm/adchoices
Small Business Administration Microloan Program - Started by Congress in 1991, the Microloan program is designed to assist women, low-income, veteran, and minority entrepreneurs and small business owners by providing them small-scale loans for working capital or the acquisition of materials, supplies, or equipment. In FY2020, Microloan intermediaries provided 5,890 microloans totaling $85.0 million. The average Microloan was $14,434 and had a 6.5% interest rate. The program's critics argue that it is expensive relative to alternative programs, duplicative of the SBA's 7(a) loan guaranty program, and subject to administrative shortfalls. The program's advocates argue that it assists many who are not served by the private sector and is an important source of capital and training assistance for low-income, women, and minority business owners. e Coronavirus Aid, Relief, and Economic Security Act (CARES Act), which, among other provisions, appropriated $17 billion to pay the principal, interest, and any associated fees that are owed on an existing 7(a), 504/CDC, or Microloan that is in a regular servicing status for a six-month period starting on the next payment due date. the Microloan program's estimated borrower default rate is about 7%. Microloans in FY2020 were most commonly used for working capital (80.3%), equipment (20.5%), materials (12.0%). Critics of the SBA's Microloan program argue that it is duplicative of other available programs, expensive relative to alternative programs, and subject to administrative shortfalls. The program's advocates argue that it provides assistance that “reaches many who otherwise would not be served. Also, it is expensive relative to other SBA programs, with total administrative costs of about $7,517 per small business assisted in FY2019, compared to $1,986 per small business assisted in the SBA's 7(a) loan guarantee program. 2017, the SBA's Office of Inspector General (OIG) released an audit of the SBA's administration of the Microloan program: (1) SBA's oversight poor - didn't watch how funds were spent unless loan defaulted; inadequate program staffing; 12% default rate; duplicate loans and those in excess of upper loan limits; and no measurement of output performance. 2019, GAO examined the Microloan program and recommended that the SBA: Better advanced planning to determine what data is needed to evaluate performance; Define terms and instructions are comprehensive enough to collect data; develop performance targets; and consider interagency collaboration and information sharing. Four SBA OIG recommendations: (1) continue efforts to improve the information system to include outcome-based performance measurements and ensure the data captured can be used to effectively monitor the Microloan Program compliance, performance, and integrity; (2) develop and implement a site visit plan to comprehensively monitor microloan portfolio performance and ensure program results can be evaluated program-wide; (3) update the Microloan program's SOP 52 00 A to clarify requirements regarding evidence for use of proceeds and credit elsewhere; and (4) update the microloan reporting system manual to reflect current technology capabilities. Source: Small Business Administration Microloan Program
Women entrepreneurs and business owners, and the pandemic. For insight, we turned to an expert in the field, Elizabeth (Liz) Sara. Liz currently serves as the Chairperson of the National Women's Business Council, having been nominated for the position by President Trump in 2018. The Council is a non-partisan federal advisory committee serving as an independent source of advice and policy recommendations to the President, the U.S. Congress and to the Administrator of the U.S. Small Business Administration on issues of importance to women business owners and entrepreneurs.
Don't look now, but a podcaster did more for journalism yesterday than most mainstream press has done in two years of COVID coverage. Don't miss Stigall's analysis of the amazing exchange between Rogan and Gupta on the issue of vaccines in kids and Ivermectin. Plus Stigall's conversation on the supply chain and economic breakdown engineered by Biden and Washington Democrats with Lina McMahon – President Trump's Small Business Administration chair and former CEO of the WWE. And mail bag!
Topics Discussed:$23 million taxpayer dollars to 10 Planned Parenthood affiliates for Covid Relief?10% of newborn deaths in Belgium were euthanasia?!Pro-Choicers Shout: “Anytime, Any Reason!”The unavoidable baggage of abortion Links Mentioned:Feds Give Planned Parenthood Millions in Pandemic Relief After Ruling it Ineligible for Gov't Aid - The Washington Free BeaconPro-Life America Podcast Episode 43: Courts Ordering EuthanasiaNewborn babies are killed in Belgium, Netherlands — but most won't call it infanticide - LifeSite NewsBelgium: Euthanasia of New-borns Practiced Outside the Law - European Institute of BioethicsLife Dynamics Report: The Marketing of Aborted Baby PartsRate & Review Our Podcast Have a topic you want to see discussed on the show? [Submit it here.]To learn more about what Life Dynamics does, visit: https://lifedynamics.com/about-us/Support Our Work Be Sure To Follow Life Dynamics:Our WebsiteFacebookTwitterInstagramYouTube
Segment 1: Ed Grocholski, Senior Vice President of Brand, Junior Achievement USA, tells Ilyce about a new study that shows about one-third of teens may be in financially unhealthy relationships. Segment 2: Manny Flores, President & CEO, SomerCor, tells Ilyce everything you should know about Small Business Administration 504 Loans. Segment 3: WGN reporter and Crain's […]
ABOUT OPERATION HIDDEN TREASURESNew TV series, Operation Hidden Treasures follows enterprising U.S. Military Veterans and their families whose mission is to salvage and repurpose otherwise unused items and turn them in to 'treasures' for people in need. The series premieres on Sunday, Oct. 10, 2021 at 8:00 a.m. Eastern on Discovery Channel.Operation Hidden Treasures features a nation-wide effort by hard-working military veterans from J-Dog Junk Removal and Hauling, America's largest veteran-owned franchise system, who utilize their unique service skills to change lives by recovering and repurposing 'junk' donated by ordinary citizens into valuable treasures for families and veterans in need.JDog Junk Removal & Hauling is a franchised operation wholly owned and operated by Veterans and their families. Giving back to people in need is part of Military tradition. In every episode, we witness JDog's quest to recycle or repurpose as much as 80% of the objects that their teams pick up from each job - with unexpected items embarking on a new journey to benefit a family or veteran in need.It's American Pickers meets Pawn Stars but with a higher purpose.Episode highlights:. Hauling away a family's unwanted furniture and using it to help a veteran with PTSD furnish his new apartment. Dragging an old fishing boat out of 20 years of underbrush, cleaning it up, and donating it to a female veteran so she can go fishing with her son. Assisting a pre-teen as he donates his old clothes, games and toys to other children in need. Rehabbing a pick-up truck that is given to a construction worker recovering from a near-death experience with HIVJim Milio will executive produce and oversee the series. JDog Media, LLC and Alliance Cinema will co-produce the ten episode series which will premiere on the Discovery Channel Sunday, October 10 at 8:00 am and on the American Heroes Channel Thursday, October 14 at 8:30 pm Eastern/5:30 pm Pacific Time. Veteran-owned clothing manufacturer Grunt Style is the primary sponsor of the series.There have only been a few unscripted TV shows featuring America's Veterans. Operation Hidden Treasures is a television series that showcases Veterans who are serving their country once again, this time in their own backyards.JDOG AUCTIONS - Every episode will also include a JDog Auction of an intriguing item discovered during a cleanout and made available to bid on by the public via the JDog website. Profits from every auction are donated to the JDog Foundation which helps fund PTSD and education resources for Veterans and their families.ABOUT HOST JERRY FLANAGANJerry is an Army Veteran and entrepreneur who, along with his wife Tracy, have created a national Veteran brand dedicated to empowering Veterans through entrepreneurship. Rooted in the Military values of Respect, Integrity, and Trust, the JDog®️ Junk Removal & Hauling and JDog®️ Carpet Cleaning franchise systems have become a nationwide movement, creating business and employment opportunities for Veterans and Veteran family members.Jerry launched the first JDog Junk Removal & Hauling franchise in 2011. It was a two-person operation - Jerry hauled junk and Tracy managed the back office. As a Veteran, Jerry gained trust and credibility with customers quickly, and referrals came easy. Within a year, he had more business than one person could handle and began hiring local Veterans who embodied the brand's values.Through Jerry's vision and leadership, JDog Junk Removal & Hauling has since grown to hundreds of locations, 90 percent of which are Veteran owned. To date, the company has created more than 1,000 job opportunities across the United States.Jerry served in the Army from 1987 to 1989 and finished at the top of his class. He was awarded the Army Achievement Medal. Since transitioning back to the civilian world, Jerry has committed himself to helping Veterans be successful in business. He teaches an entrepreneurial boot camp for Veterans at St. Joseph's University, and at Boots to Business for Veterans, an entrepreneurial program offered through the U.S. Small Business Administration. He is a member of the Board of Directors at Grunt Style, a Patriotic apparel company committed to creating a quality product while supporting the Military and First Responders communities. Jerry is also a member of the West Point Society of Philadelphia, the International Franchise Association, and VETFRAN, which provides access and opportunities in franchising to Veterans and their spouses.Jerry also founded the JDog Foundation, whose mission is to support Military Veterans and Military Veteran-related causes - with a particular focus on suicide prevention, PTSD and higher education programs.ABOUT JDOG JUNK REMOVAL AND HAULINGJDog Junk Removal and Hauling is wholly owned and operated by Veterans and their families who haul away people's unwanted junk and then work to find new homes for items such as furniture, musical instruments, clothing, toys, games and even remodeling leftovers. JDog's CEO and Army Veteran Jerry Flanagan opened the first JDog location with his wife, Tracy. They committed themselves to create entrepreneurship opportunities exclusively for Veterans and their families and currently there are more than 240 JDog Franchises around the country.Series Premiere - Discovery Channel - Sunday, October 10, 2021 at 8:00 AM EasternEncore Airing - American Heroes Channel - Thursday, October 14 at 8:30 PM Easternhttps://www.operationhiddentreasures.com/
John Thune grew up in Murdo, South Dakota. His interest in politics was sparked at a young age after making five of six free throws during a freshman high school basketball game. He was later greeted by a spectator who said, “I noticed you missed one.” That spectator happened to be a well-known sports enthusiast and then-South Dakota U.S. Rep. Jim Abdnor. The introduction was the start of a friendship that ignited John's career in public service.John received his undergraduate degree at Biola University and his master's degree in business administration from the University of South Dakota. Upon completion of his master's degree in 1984, he married Kimberley Weems, a native of Doland, South Dakota.John's attraction to public service took him to Washington, D.C., to work for that sports enthusiast and then-U.S. Sen. Jim Abdnor. He then served at the Small Business Administration under an appointment from President Ronald Reagan.In 1989, John and his family returned to South Dakota, where he served as the executive director of the South Dakota Republican Party. In 1991, then-Gov. George S. Mickelson appointed him to be state railroad director, a position he held until 1993, when he became executive director of the South Dakota Municipal League.In 1996, with a shoestring budget and the support of family and friends, John won his first term as South Dakota's lone member of the U.S. House of Representatives. John was re-elected to a second term by the largest margin in South Dakota history. He returned again to Washington in 2001 to serve his third term in the House.John then honored his 1996 campaign pledge to serve only three terms in the House. After a narrow loss in a U.S. Senate race in 2002, he won his current Senate seat in 2004, when he made history by defeating a sitting Senate party leader for the first time in 52 years.In 2010, John was elected to serve a second term in the Senate in a rare unopposed race. He was only the third Republican and the only South Dakotan to run unopposed for the Senate since direct elections were created in 1913. John was elected to a third term in 2016.For the 117th Congress, John serves on the Agriculture, Nutrition, and Forestry Committee; the Commerce, Science, and Transportation Committee; and the Finance Committee. He serves as ranking member of the Commerce Committee's Subcommittee on Communications, Media, and Broadband and ranking member of the Finance Committee's Subcommittee on Taxation and IRS Oversight. He also serves as the Senate Republican whip, the number two position in Senate Republican leadership, and has previously served as chairman of the Senate Republican Policy Committee from 2009–2011 and chairman of the Senate Republican Conference from 2012-2018.John and his wife Kimberley live in Sioux Falls, South Dakota, and they have two grown daughters and five grandchildren. In his free time, John enjoys spending time with his family, pheasant hunting, and running.
Will Harris is the owner of White Oak Pastures, a nearly 5,000 acre farm in southern Georgia that raises 10 species of livestock and produces organic vegetables and honey. He is a fourth-generation cattleman, who tends the same land that his great-grandfather settled in 1866.After graduating from the University of Georgia's School of Agriculture in 1976, Will returned home to Bluffton where he and his father continued to raise cattle with pesticides, herbicides, hormones, antibiotics, and a high-carbohydrate diet of corn and soy. Over the years Will grew disenchanted with industrialized agriculture, beginning with concerns over animal welfare. In 1995, he made the decision to return to the farming methods his great-grandfather had used 130 years before.Since Will has abandoned intensive agriculture in favor of a wholistic system, he has been recognized all over the world as a leader in humane animal husbandry and environmental sustainability. He served as President of the Board of Directors of Georgia Organics, is the Beef Director of the American Grassfed Association, and was selected 2011 Business Person of the year for Georgia by the Small Business Administration.Head over to White Oak Pastures to learn more and to order their various animal products.
"Next, I want to tell our homeschool listeners about Classy Artist Box. It is a company created by a Christian art teacher who sends you everything you need to create four art projects each month. You can use their written instructions and video lessons to help guide you through each project. In addition to the four new projects each month, you'll also have access to two and a half years worth of video lessons to enjoy as a member. Each type of subscription will cover a range of art media throughout the year, which means you have your art curricular needs covered. For 30% off of your first subscription order, use code CROSS30. To see more, check out www.ClassyArtistBox.com. Best and Worst States for Entrepreneurs “In this analysis, AdvisorSmith examined over 20 indicators of the health of the business environment in states across the nation using data from numerous sources, including the U.S. Bureau of Labor Statistics and the Small Business Administration. Some of the factors we considered included personal and corporate tax policies, rates of business formation and hiring for new businesses, funding availability, and business survival rates. We ranked all 50 states and the District of Columbia based upon an aggregated score considering all these factors.” The Postal Service said it is changing estimated delivery times for first-class mail as part of it's 10-year strategic plan for improving service. https://www.krem.com/article/news/nation-world/usps-shipping-standards-change-october-1/417-79eb3fc6-9a5d-4f11-a2d7-28e2858317eb “The USPS is changing the standard on how fast you get your mail, with a slowdown that starts Oct. 1. The Postal Service is creating new service standards, which will mean longer first-class mail delivery times and cuts to post office hours. Starting Friday, first class mail may take as long as 5 days to reach destinations in the contiguous US. That's a change from the previous standard of 3 days. USPS said that standard led to an over-reliance on air travel, which is more costly that ground transportation. The Postal Service will increase time‐in‐transit expectations by 1 or 2 days for certain mail that needs to travel longer distances. If you're shipping something within 139 miles, you can expect it to take 2 days. For anything traveling up to 930 miles, expect 3-day shipping. Times go up to 4 or 5 days for anything over 930 miles traveled. Officials say most mail will be unaffected, but they recommend planning ahead and sending first class mail early, if it has to travel far distances.” Leave it to the government to define “improving service” as actually lowering standards of service. CWWI: Did you know that more than 75% of those raised in evangelical, Presbyterian, and Reformed churches don't pursue any kind of Christian higher education? Surprising isn't it. Cornerstone Work & Worldview Institute is seeking to provide a new, exciting, and affordable option for Christians. Our mission is to build Kingdom culture in the workplace by equipping our students in a Trinitarian worldview and vocational competencies. Our low-cost full-time program offers integrative course modules, internships, and mentoring so our students can finish debt-free with vocational preparation, a robust faith, and financial potential to build strong godly families and homes rooted in their communities and churches long-term. Our program is offered face-to-face in beautiful Southern Illinois or remotely, anywhere you are. Visit our website at www.cornerstonework.org to find out more about enrolling. Fauci on Face the Nation: Can we gather for Christmas? Play Clip: Crazy Aussie Bureaucrat: Play Clip: Virus surge hits New England despite high vaccination rates https://apnews.com/article/coronavirus-pandemic-health-pandemics-vermont-d25aae90b2dda65b3d1c2c0d5d00156c?utm_source=Twitter&utm_medium=AP&utm_campaign=SocialFlow “Despite having the highest vaccination rates in the country, there are constant reminders for most New England states of just how vicious the delta variant of COVID-19 is. Hospitals across the region are seeing full intensive care units and staff shortages are starting to affect care. Public officials are pleading with the unvaccinated to get the shots. Health care workers are coping with pent-up demand for other kinds of care that had been delayed by the pandemic. “I think it's clearly frustrating for all of us,” said Michael Pieciak, the commissioner of the Vermont Department of Financial Regulation who monitors COVID-19 statistics for the state. “We want kids to be safe in school, we want parents not to have to worry about their child's education and health.” Even though parts of New England are seeing record case counts, hospitalizations and deaths that rival pre-vaccine peaks, largely among the unvaccinated, the region hasn't seen the impact the delta variant wave has wrought on other parts of the country. According to statistics from The Associated Press, the five states with the highest percentage of a fully vaccinated population are all in New England, with Vermont leading, followed by Connecticut, Maine, Rhode Island and Massachusetts. New Hampshire is 10th. According to the AP data, full vaccination rates across the six New England states range from a high of 69.4% in Vermont to 61.5% in New Hampshire. Despite the relatively high vaccination rates — the U.S. as a whole is averaging 55.5% — there are still hundreds of thousands of people across the region who, for one reason or another, remain unvaccinated and vulnerable to infection. Now, a Rhode Island official said he didn't think the 70% vaccination goal, once touted as the level that would help end the pandemic in the state, is enough. “What we've learned with delta and looking beyond delta, is because that's where our focus is as well, to really reach those levels of vaccination, to give you that true population level protection, you need to be in excess of 90%,” said Tom McCarthy, the executive director of the Rhode Island Department of Health COVID Response Unit.” Note what the AP article goes on to say: “Head of UMass Memorial Health, the largest health system in central Massachusetts, said recently that regional hospitals were seeing nearly 20 times more COVID-19 patients than in June and there isn't an ICU bed to spare. Case counts in Vermont, which has continually boasted about high vaccination and low hospitalization and death rates, are the highest during the pandemic. Hospitalizations are approaching the pandemic peak from last winter and September was Vermont's second-deadliest month during the pandemic. On Sept. 22, Maine had nearly 90 people in intensive care units, a pandemic peak for the state. Maine also recently passed 1,000 deaths since the start of the pandemic.” Closing This is Gabriel Rench with Crosspolitic News. Support Rowdy Christian media by joining our club at fightlaughfeast.com, downloading our App, and head to our annual Fight Laugh Feast Conference next fall. With your partnership, together we will fight outdated and compromised media, engage news and politics with the gospel, and replace lies and darkness with truth and light. Go to fightlaughfeast.com to take all these actions. Have a great day. Lord bless
In this episode, we're discussing the all new, effective immediate policy: the SBA deciding to suspend bona fide place of business requirements for 8(a) construction contracts. We have Meghan Leemon from PilieroMazza, a business law firm that serves a strategic partner to government contractors and commercial business from across the United States in numerous industries. Meghan counsels on a broad range of government contracting matters. She advises companies on small business procurement matters, particularly on issues related to eligibility and participation in small business federal procurement programs, such as the Small Business Administration's Service-Disabled Veteran-Owned Small Business, Women-Owned Small Businesses (WOSBs), 8(a) Business Development, and HUBZone programs as well as the All Small Mentor Protégé Program and the VA's VetBiz VIP program. She also assists clients in maintaining compliance with the FAR and small business regulations. Meghan discussed what does this policy mean, how does it impact small businesses, what is a bonafide office in the first place, why was it created and we also got into the other rules and changes that have been implemented recently that may be affecting you and your small business. Stay tuned for this episode, as Meghan shared helpful insights that would help your business.
Most businesses don't make a profit in their first year of business. In fact, most new businesses need 18 to 24 months to reach profitability. And then there's the reality that 25% of new businesses fail in their first year, according to the Small Business Administration. Luckily for all our WorkParty listeners, I have Diana Lee—the co-founder and CEO of Constellation Agency, one of the fastest-growing SaaS companies in the U.S.—on today's episode to talk all about how to build a business that turns a profit (and then some!). Her business, Constellation, is on track to double (yes, DOUBLE) its revenue from $20M to $45M this year and plans to continue expanding its work with retail companies, like Henry Rose (Michelle Pfeiffer's clean fragrance line), Macy's, and Bearaby. Not only that, but Constellation was named the #65th fastest-growing private company in the U.S. by Inc. Magazine, the #7 fastest-growing advertising/marketing company on the Inc. 5000 list, and the #10th Fastest-Growing Women-Led Company. Needless to say, I can't wait to chat with this incredible entrepreneur all about how she's scaled her business, put diversity and inclusion first, and doubled her revenue in 12 months (no big deal!)—all without taking on any outside funding. So, without further ado… Welcome to WorkParty, Diana! • Join the party on social @workparty and stay in-the-know at workparty.com. Visit JustWorks.com to see how JustWorks can help your business Visit RentTheRunway.com and use promo code PARTY for 30% off for a limited time. Visit Arrae.com and use code 'workparty' at checkout for 10% off of one time purchases and 25% off firs month on subscription. Produced by Dear Media
Today - The latest draft of Colorado's congressional map may turn out to be the final version. And if that's the case, a new district would become the state's most competitive — and its most Hispanic. Before we begin, let's go back in time with some Colorado history adapted from historian Derek R Everett's book “Colorado Day by Day”: Today we're going back to September 27th, 1865 when a military post near Julesburg earned a new title - Fort Sedgwick. It was renamed in honor of a general killed in Virginia. The post faced challenges in the wake of the Sand Creek Massacre, and proved vital to restoring peace through force. But by the decade's end, conflict in eastern Colorado had diminished. And in 1871 the army ordered For Sedgwick abandoned. Today, a flagpole marks the location where the fort once stood. The latest draft of Colorado's congressional map could become the final version. If it's adopted, a new U.S. House District will become the state's most competitive — and its most Hispanic. The map would avoid setting up contests between any of Colorado's seven incumbent representatives. Beyond that, its implications are up for debate. Reporter Thy Vo has the rest. For more on Colorado's congressional redistricting process go to coloradosun.com And Before we go, here are a few stories that you should know about today: For 150 years members of the San Francisco Morada have completed the a Good Friday ritual of carrying a crucifix up the hill behind their San Luis Valley community. But the next time the ritual is performed it will be much different because a 10-foot-tall fence has been erected across their path by the owner of Cielo Vista Ranch. For decades there has been conflict between the wealthy owners of this huge ranch and descendants of the Sangre de Christo Land Grant who have birthright to access the land for certain activities. Members of the morada say the fence is unrelated to that conflict, but also say that they can't help but feel that it is part of the long battle over property rights that continues Monday in court in Alamosa. A man police say shot and wounded a Littleton police officer was arrested Friday in Brighton after a long standoff. Rigoberto Dominguez is is accused of shooting at police officers responded to a report of gunfire early Tuesday morning. Police say he fired at the officers, hitting David Snook in his arm, leg and torso and as of Friday was still being treated in an intensive care unit. The Small Business Administration says 267 venues in Colorado received more than $172 million from the federal government's Shuttered Venue Operators grant program. While SBA isn't accepting new applications for the pandemic-relief program, those concert halls, theaters and museums can apply for a supplemental grant valued at 50 percent of what they've already received. Those applications opened on Friday. The Littleton Immigrant Resources Center is likely to lose about $150,000 in annual funding provided by the city. While the formal vote won't come until October, the Littleton city council in a budget meeting earlier this month voted to cut the line item. The center is Littleton's only affordable resource center for immigrants seeking citizenship, providing low-cost civics and English lessons, test preparation and help filling out forms. For more information on all of these stories, visit our website, www.coloradosun.com. Now, a quick message from our editor. See omnystudio.com/listener for privacy information.
On this episode, Joi sits down with Natalie Cofield, Assistant Administrator for the Office of Women's Business Ownership at the U.S. Small Business Administration. They discuss the Biden-Harris Administration's resources for small businesses and entrepreneurs, the unique experiences and challenges facing women and minority owned small businesses, and the opportunities that exist post pandemic. For more information, visit their website at www.sba.gov. To keep up with the Washington Bureau, follow us on Instagram, Twitter and Facebook @nulpolicy. To keep up with the Washington Bureau, follow us on Instagram, Twitter and Facebook @nulpolicy
Date: September 17, 2021 Topics: The FBI released the first report of many to come about the September 11th attacks that Americans haven't seen yet. If you own a small business you may be able to get money from the Small Business Administration. The Military is coming out with deadlines for when there members are required to be vaccinated against COVID-19. The third Child Tax Credit was sent to millions of families this week. Several Republicans are calling for General Mark Milley to resign after phone calls with China. Rapid and good news. Follow Nick on Twitter: https://twitter.com/Blinding_AuraFollow Chris on Twitter: https://twitter.com/c_baker002Follow BBP News on Twitter: https://twitter.com/BBPNewsOfficialNews articles: https://bbpnews.medium.com/
Thanks for clicking through. As we work to get critical information to members of the National Tractor Parts Dealer Association we thought this conversation about getting capital from the Small Business Administration would be very helpful. There have been many changes to the COVID19 Loan Program. Pay close attention to the new guidelines for gaining capitol for your small business. And, second, if you know a person who owns or manages a small business send this link to them. It could make a huge difference. My guest is Veronica Pugin who is the Senior Advisor in the Office of Capital Access for the Small Business Administration. Here too is your link to the COVID-19 Economic Injury Disaster Loan Program that we talk about. Know there are new guidelines and an easier way in which to apply for business capital. Thanks for being here! The award winning Insight on Business the News Hour with Michael Libbie is the only weekday business news podcast in the Midwest. The national, regional and some local business news along with long-form business interviews can be heard Monday - Friday. You can subscribe on PlayerFM, Podbean, iTunes, Spotify, Stitcher or TuneIn Radio. And you can catch The Business News Hour Week in Review each Sunday Noon on News/Talk 1540 KXEL. The Business News Hour is a production of Insight Advertising, Marketing & Communications. You can follow us on Twitter @IoB_NewsHour.
We're sure you have heard people talk about building a profitable business and you have probably also heard about building wealth. But, when have you heard about these topics combined to make sure you are building a profitable and wealth-building company?Our guest today, Ruth King, is a profitability and wealth-building expert! I have had the good fortune of being a guest on Ruth's Profitability show about five years ago and I am so grateful she was willing to give some of her time to be a guest for us. The video link is included in the show notes.**DO YOU NEED HELP SELLING MORE FRANCHISES? ATTEND OUR FRANCHISE SALES TRAINING WORKSHOP ON SEPTEMBER 21, 2021. Visit: www.FranchiseSalesClass.com for more information**Subscribe to our NEWEST Podcast called: Franchise Your Business. CLICK HERELINKS:**Check out Ruth's website for more information: www.RuthKing.info**Watch Tom DuFore be interviewed by Ruth: CLICK HEREABOUT OUR GUEST:Ruth has written five books-two have become #1 bestsellers. One of her biggest achievements was helping a client with $750,000 in annual revenues. Sixteen years later, they sold the business for $9 million in cash.After twelve years on the road and, doing 200 flights per year, Ruth knew there had to be a better way to reach business people who wanted to build their businesses and train their employees. She began virtual training on the Internet in 1998 and then launched the first television online broadcasting in 2002. Ribbon, the first online broadcasting network, began operations in January 2007. Ribbon channels currently include HVACchannel.tv and TheCouragetobeProfitable.com.She was the founder of the Decatur, Georgia branch of the Small Business Development Center in 1982. She also started the Women's Entrepreneurial Center and developed and facilitated a year-long course for women who wanted to start their own businesses. This course was the foundation for one of the classes at the Women's Economic Development Authority in Atlanta, Georgia.More recently Ruth was the instructor for ICE, the Inner City Entrepreneur program in conjunction with the Small Business Administration. This 16-week course taught business owners with at least $400,000 in revenues (and many had over $1,000,000 in revenues) how to grow their businesses to the next level. A large part of the curriculum was aimed at improving and understanding the financial knowledge.Ruth holds a Masters in Business Administration in Finance from Georgia State University. She also holds Bachelor's and Master's Degrees in Chemical Engineering from Tufts University and the University of Pennsylvania, respectively.Ruth is passionate about helping adults learn to read, photography, and running marathon races. She helped start an adult literacy organization in 1986 that currently serves over 1,000 adults per year, and she's run the Boston Marathon and 9 other marathons so far…ABOUT BIG SKY FRANCHISE TEAM:This episode is powered by Big Sky Franchise Team. If you are ready to talk about franchising your business you can schedule your free, no-obligation, franchise consultation online at: https://bigskyfranchiseteam.com/ or by calling Big Sky Franchise Team at: 855-824-4759.
Today a slightly different Friday Edition of the business news headlines. Sure we've got the news but then two conversations. In the first you'll hear about some critical information dealing with small businesses and the Small Business Administration. My guest is Veronica Pugin the Senior Advisor to the Office of Capital Access...think money. Then, as is always the case, Jeff Pitts is in from Cityview with "Stuff to DO" in the Greater Des Moines Metro...but, first the news: The Biden Vaccine Mandate and...business; A new CDC vaccine study is out and it's important; Mississippi farm workers sue their employer and why; Pregnant and working at Amazon; You would think Wells Fargo would...learn; The Wall Street Report; Say it ain't so: Facebook and Ray-Ban. Then click through for this important conversation for small business owners/managers. My guest is Veronica Pugin and we're talking about a small business virtual seminar and new changes that will make it easier for small businesses to access much needed capital. To listen in, click here. Then we're having some Friday Fun with Jeff Pitts from Cityview and "Stuff to DO" in the greater Des Moines Metro...yes, it is...Friday. To listen to that riff click here. Thanks for listening!
Two things to do: First, if you own or manage a small business you've got to listen to this short segment about National Small Business Week and a virtual presentation starting on the 13th. And, pay close attention to the new guidelines for gaining capitol for your small business. And, second, if you know a person who owns or manages a small business send this link to them. It could make a huge difference. My guest is Veronica Pugin who is the Senior Advisor in the Office of Capital Access for the Small Business Administration. Here too is your link to the COVID-19 Economic Injury Disaster Loan Program that we talk about. Know there are new guidelines and an easier way in which to apply for business capital. Two things: Listen and Share! Thanks for being here! The award winning Insight on Business the News Hour with Michael Libbie is the only weekday business news podcast in the Midwest. The national, regional and some local business news along with long-form business interviews can be heard Monday - Friday. You can subscribe on PlayerFM, Podbean, iTunes, Spotify, Stitcher or TuneIn Radio. And you can catch The Business News Hour Week in Review each Sunday Noon on News/Talk 1540 KXEL. The Business News Hour is a production of Insight Advertising, Marketing & Communications. You can follow us on Twitter @IoB_NewsHour.
About Data Equity @ San José The Mayor's Office of Technology and Innovation (MOTI) leverages technology to address pressing issues facing San José to improve our residents' livelihoods, opportunities, and city experience. MOTI's data equity team works with City departments to drive equitable outcomes for constituents via our data equity framework, which creates consistency, transparency, and accountability towards equity goals. With an emphasis on analyzing the City's data ethically, we work with stakeholders to set, measure, and monitor equity objectives to address equity gaps in key city programs. Christine Keung is the Chief Data Officer for the City of San Jose and a 2020-21 Harvard Business School Leadership Fellow. At the start of the pandemic, she joined a COVID-19 task force in the U.S. Small Business Administration to improve access to the Paycheck Protection Program. Christine began her professional career as an early member of Dropbox's security team, and later Chief of Staff, serving as the operational lead of the company's legal, policy, and security organization. She was also Head of Business Operations at Fountain, a growth-stage AI/ML startup, where she led the company through data regulation changes like the European Union's GDPR and the U.S. Privacy Shield. Christine earned her B.A. in Economics at Wellesley College and her M.B.A. at Harvard Business School. Julia Chen is a writer, editor, and arts professional. She is a graduate of Boston University (Class of 2014) with a Bachelor's degree in English and has gone on to work primarily in the world of nonprofit, Off-Broadway theater (with a focus on marketing and development). Julia was most recently a finalist in Fiction for Kundiman's 2019 Mentorship Lab and a member of Winter Tangerine's April 2019 intensive workshop in New York City. Her work can be found in No Tender Fences: An Anthology of Immigrant & First-Generation American Poetry and Honey Literary. She is currently an Assistant Fiction Editor for The Offing and leads communications for the City of San José's data equity project. --- Send in a voice message: https://anchor.fm/thinkfuture/message Support this podcast: https://anchor.fm/thinkfuture/support
The National Independent Venue Association (NIVA) formed during the pandemic to support independent performance venues and promoters. NIVA now encompasses over 3,000 independent venues in 50 states including Washington D.C. They've pressured the Small Business Administration to act. By the end of 2020, the Small Business Association (SBA) signed the Shuttered Venue Operators Grant, the largest arts funding program in history with $16 billion dollars allocated for independent venues. It took months of lobbying to get the federal government's attention, and in early June, when only 100 venues had received aid, the lobbying continued. In this audio exclusive, correspondent Janet Hernandez, an intern for The Laura Flanders Show, interviews Stephen Chilton, NIVA's vice president and owner of the independent venue Rebel Lounge in Phoenix, AZ. What's at stake when venues can't reopen, and how will NIVA support the industry post-pandemic? While mainstream media or money media keeps you in a bubble, we're committed to popping that bubble by continuing to bring you listener sponsored radical, intersectional media! Can we depend on you to chip in? Go to https://LauraFlanders.org/donate and join our team by making a donation today. Thanks
Professor George La Noue joins us to discuss his recently published article, “The Race Card in ARPA's Food Supply Deck,” published by the Federalist Society Review on July 12, 2021. In his article, Professor La Noue discusses the American Rescue Plan Act of 2021, which appropriated $1.9 trillion, $28.6 billion of which would be administered by the Small Business Administration. Since passage, numerous lawsuits have been filed against the SBA on Fifth Amendment grounds alleging unconstitutional sex-based and race-based discrimination. Other suits have been filed against the United States Department of Agriculture for an allegedly unconstitutional loan forgiveness scheme on the same Fifth Amendment grounds. Read Professor La Noue's analysis of the arguments and country-wide pending litigation is here.Featuring: -- Professor George La Noue, Professor Emeritus of Political Science and Professor Emeritus of Public Policy, University of Maryland Baltimore County -- Moderator: Hon. Kenneth L. Marcus, Founder and Chairman, Louis D. Brandeis Center for Human Rights Under Law
Today's episode features NYU Professor Cynthia Franklin. Cynthia is the director of entrepreneurship for the Leonard N. Stern School's W. R. Berkley Innovation Labs at New York University. At the Berkley Innovation Lab, she serves hundreds of students, alums, and other aspiring entrepreneurs through venture competitions (which awards more than $200,000 in cash and services), venture mentor network, conferences, speaker series, and technical assistance programs. Prior to joining the Berkley Innovation Lab, Cynthia was executive vice president of KIP Communications, b-to-b marketing, and media company she cofounded. For her work with startups and small businesses and promoting entrepreneurship and economic development in urban communities, Cynthia has received numerous honors and awards including from the U.S. Small Business Administration, the U.S. Department of Commerce, the NYC Mayor's Office, and many others. In this episode, we talk about traits of successful entrepreneurs, why Cynthia deemphasizes seeking funding early, when and how to raise capital, whether you should work in your industry before starting a company, the future of media, the unique value of formal education, her top book recommendations, podcasts and more!
Over the past year, Payroll Protection Program loans, or PPP loans for short, have helped businesses keep their workforce employed during the COVID-19 crisis, backed by the U.S. Small Business Administration. Today Randall Wilson of Pario Forensic Accounting Services and Glenn Ricciardelli of MDD Forensic Accountants will discuss how PPP loans intersect with business income issues and projections. The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Listeners should rely on guidance from their companies and counsel as appropriate. © PLRB 2021.
Good Morning, Colorado, you're listening to the Daily Sun-Up with the Colorado Sun. It's Monday August 23rd. Millions of businesses across the country received financial relief during the pandemic through The Paycheck Protection Program. And those that used it to pay employees are eligible for 100 percent forgiveness. Today - we dig into the loans that were given to Colorado businesses. Before we begin, let's go back in time with some Colorado history adapted from historian Derek R Everett's book “Colorado Day by Day”: Today we're going back to August 23rd, 1883 when a grand jury indicted three men on charges of murder in an infamous intersection of crime and politics. The trouble started as a struggle between two county Republican politicians John Mills and Edward Weber who battled over many things including county seats and gubernatorial candidates. The feud boiled over when Mills, the local sheriff, and two other accomplices ambushed and gunned down Weber and two associates. Mills also perished in the fighting. The murderous scandal astonished the state and nearly led to the abolition Grand County altogether. Now, our feature story. The federal Paycheck Protection Program loans provided nearly $800 billion in financial relief for millions of U.S. businesses during the pandemic. The attraction was that if the money was used to pay employees, it would be eligible for 100 percent forgiveness. Colorado Sun reporter Tamara Chuang has been tracking these PPP loans in Colorado since the program launched in April 2020. In July, the Small Business Administration began sharing data on which businesses have received forgiveness. Tamara is joined by Taylor Washington in today's podcast and they share what it was like to dig into the numbers and write the story. Tamara and Taylor's Paycheck Protection forgiveness story has more than a dozen charts detailing what happened to Colorado's $15.1 billion in PPP loans. Find this story and more at coloradosun.com Thanks for listening. Finally, here are a few stories you should know about today: Mesa County Clerk Tina Peters is reportedly in hiding after allegedly receiving threats related to a security breach in her election office. About 250 people from across Colorado showed up in Grand Junction on Saturday to support the embattled clerk, who is accused of facilitating the public release of elections system passwords and copies of the system's hard drives. Peters' election office is under investigation by the Colorado Secretary of State, the FBI and the Mesa County district attorney. About 87,000 Colorado residents will lose their unemployment pay when federal benefits expire on Sept. 4. Another 29,000 people will lose the $300 federal bonus paid to anyone on unemployment. As the clock runs out on the aid to jobless people, the state labor department is working to help them find jobs. One of the ways is through the state job board at connectingcolorado.com where there were more than 118,000 openings posted as of Sunday morning. Tiny Mineral County posted one of the biggest population gains according to 2020 Census data released last week. But officials in the central mountain community say they don't have more people today than 10 years ago, it's just that they did a better job counting this time around. County administrator Janelle Kukuk was worried Mineral County was going to lose out on crucial federal funds if the population was undercounted so she called every property owner in the 865-person community and served as tech support for those who were having trouble filling out forms. That resulted in a 153 person gain, which Kukuk says is a big deal. For more information on all of these stories, visit our website, www.coloradosun.com. Now, a quick message from our editor. See omnystudio.com/listener for privacy information.
In Chicago, many venues received their federal grant money after months of delay from the Small Business Administration. We speak with two venue owners, Joe Shanahan of the Metro and Katie Tuten of the Hideout, for an update on Chicago venues. And, as the Taliban allows some Americans to leave Afghanistan, the picture is far less clear for Afghans who served the U.S. military as interpreters, drivers and partners. U.S. Army veteran Robert Couture, who served two tours in Afghanistan, joins us to discuss.
Elizabeth O'Brien is an accomplished, high-energy leader with expertise in national partnerships, non-profit relationship building, program development, and community engagement. Elizabeth O'Brien currently serves as Chief Executive Officer and Board Member of Freedom Learning Group – an educational content and services provider powered by a global remote network of Military Spouses and Veterans. Elizabeth, a Military Spouse, sits on The Blue Star Families Advisory Council, The Military Spouse Corporate Career Network Advisory Council, and The U.S. Chamber of Commerce Small Business Council. She chairs the state of Virginia Military Spouse Economic Empowerment Zone for the U.S. Chamber of Commerce Foundation. Previously, Elizabeth served in significant leadership roles as a Senior Director of the U.S. Chamber of Commerce Foundation's Hiring Our Heroes and as Chairwoman for the U.S. Small Business Administration's Advisory Committee on Veterans Business Affairs, the first Military Spouse named to the role. Prior to joining the U.S. Chamber of Commerce, O'Brien spent over a decade coaching college women's basketball at the United States Military Academy at West Point, Hofstra University, and The University of Hawaii. Elizabeth resides in the Washington, D.C. area with her family. On any given day, she and her family can be found competing or cheering one another on at a sporting event. CEO and Founder of Freedom Learning Group (freedomlearninggroup.com/) Founded by a Military family, Freedom Learning Group is the leading educational courseware, content, and services provider powered by a global remote workforce of Military Spouses and Veterans. Freedom Learning Group (FLG) entered the educational courseware industry in 2017 with a cutting-edge business model intentionally designed to fit the needs of Military Spouses and Veterans while keeping them competitive in their respective professional fields. FLG specializes in educational content development, instructional design, assessment writing, accessibility compliance, ADA accessibility, accuracy review, subject matter expertise, e-Learning, audio-video services, copy editing, and project management. My husband, Nathan, and I launched Freedom Learning Group (FLG) while stationed in Germany with the distinct motivation to provide Military Spouses with the freedom to invest in their career AND support their Servicemember. Military families serve and sacrifice in countless ways and we made it our personal mission to strengthen the career-family balance by providing career opportunities to the Military Spouses serving on the homefront too. We recognized a need in our Military Spouse community that was more than just the absence of a career. Military Spouses shouldn't have to exchange passion for a paycheck, yearn for a relevant and meaningful career path, self-actualization, value and/or success. A strong family foundation is vital to the health and wellness of our Service Men and Women – family readiness is mission readiness. Raising awareness and developing solutions for the unspoken sacrifice of Military Spouses is paramount to what Freedom Learning Group represents. FLG empowers Military Spouses to take the lead and author their own career journey. Elizabeth O'Brien LinkedIn (Personal): http://linkedin.com/in/elizabethobrien30 Liz O'Brien Email: firstname.lastname@example.org Freedom Learning Group Website: www.freedlomlearninggroup.com Email Address: email@example.com LinkedIn (Company): www.linkedin.com/company/freedom-learning-group Facebook (Company): facebook.com/FLGEducationSolutions/ Twitter (Company): https://twitter.com/freedomlearngrp Instagram (Company): https://instagram.com/freedomlearninggroup YouTube Channel: https://m.youtube.com/channel/UCY4-O1weBv7MUuOzRnDNvWQ Freedom Learning Group Address International Pkwy; Lake Mary, FL 3274 --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/mettle-of-honor/message Support this podcast: https://anchor.fm/mettle-of-honor/support
We're happy to be joined by Chief Strategy Officer Amanda Blondeau from Northern Initiatives — a nonprofit, Community Development Financial Institution. They work with businesses that can't get access to traditional financing and provide them with coaching and support that small businesses don't get from typical lenders. According to the Small Business Administration, 49% of people in Michigan work for a small business. Of course, the past 18 months have placed a great strain on businesses across all sectors. Amanda shares her insight and experience as we discuss the importance of small business, Northern Initiatives' new online learning portal for small businesses, and advice for entrepreneurs looking to start their own venture. Learn more about Northern Initiatives and their online portal for small businesses.
In response to the pandemic, the Small Business Administration quickly implemented the Paycheck Protection Program to assist small businesses adversely affected by COVID-19. However, there are concerns that because SBA implemented the program…
Money is the symbol of abundance. The flow of money into and out of men's lives is probably, next to love, man's greatest concern. This concern for money seems to have a strange effect: The rich get richer and the poor get poorer. This has been recognized even as far back as the writing of the Bible. You can see how a poor man who visualizes his lack and worries about his tomorrow, perpetuates that lack. While the rich man who mentally counts his wealth and anticipates its growth, perpetuates his abundance. Change your habitual thinking from thoughts of limited money to thoughts of unlimited wealth and you change your life. However, this is not easily done. How can you think of wealth when you have more bills to pay than you have cash in the bank? How can you think of wealth when a note is due or the car is on its last legs? Metaphysics enables you to turn the tide. Below are the books available in paperback and e-book editions. Several are available as audiobooks and you can hear excerpts of many on YouTube. For more information and a complete list of books by Robert B. Stone,please visit www.robertbstone.com for a FREE PDF COPY OF THIS BOOK. 1. The Magic of Psychotronic Power https://www.amazon.com/dp/B0722FNLZ92. The Power of Miracle Metaphysics https://www.amazon.com/dp/B08HQ7KYD63. The Silva Mind Control Method for Getting Help from the Other Sidehttps://www.amazon.com/dp/B08JH4LMJ64. How to Gain Strength from Nature Sitting in Your Living Roomhttps://www.amazon.com/dp/B01C7U3QS85. Hypno-Cybernetics https://www.amazon.com/dp/B08R3ZP2296. Life Without Limits https://www.amazon.com/dp/B08J4274P57. The Complete Book of Life-Changing Affirmationshttps://www.amazon.com/dp/B01C6W6MEC8. The Silva Mind Control Method for Business Managershttps://www.amazon.com/dp/B08JH1BPPG9. Celestial 911 https://www.amazon.com/dp/B08HQJ6LQ Stone was author and co-author of over 80 published books, most notably on self-help and powers of the mind. His most best-selling book was “Martinis & Whipped Cream” (1966) with coauthor, hypnotist Sidney Petrie. That book was significant in the history of dieting. Dr. Stone was an internationally known lecturer on the human potential. He taught for many years at the University of Hawaii on activating the powers of the mind. A MENSA member and graduate of MIT, Dr. Stone was elected to the New York Academy of Science. A Silva Method lecturer for 20 years and Ambassador-at-Large, he introduced the Silva Method to five nations and was honored with many Silva awards. He counseled hundreds of individuals around the world in self-healing, human relations, and problem-solving. He served as a volunteer advisor with SCORE of the U.S. Small Business Administration, President of the Honolulu Lodge of the Theosophical Society, and member of the Good Samaritan Advisory Board. He started a public relations practice on Long Island, New York, serving Boards of Education, businesses, and non-profit organizations, and was Editor of the Huntington Times. lternate Universe Reality Activation get full access to new meditations, new lectures, recordings from the reality con and the 90 day AURA meditation schedulehttps://realityrevolutionlive.com/aura45338118 Listen my book on audible https://www.audible.com/pd/The-Reality-Revolution-Audiobook/B087LV1R5V BUY MY BOOK! https://www.amazon.com/Reality-Revolution-Mind-Blowing-Movement-Hack/dp/154450618X/ Music By Mettaverse639hz heart chakranocturnelight holdersa stilil mindfield of onenessjourney through the multiverse777hz deep relaxationlanguage of lightinto the omniverseinner worldswhen all else fades ➤ Listen on Soundcloud: http://bit.ly/2KjGlLI ➤ Follow them on Instagram: http://bit.ly/2JW8BU2➤ Join them on Facebook: http://bit.ly/2G1j7G6➤ Subscribe to their channel here: https://www.youtube.com/channel/UCyvjffON2NoUvX5q_TgvVkw All My Robert B Stone Videos In One Playlist - https://www.youtube.com/playlist?list=PLKv1KCSKwOo_4YbfCN1F3HvE6Tk61Z5wk All my videos about Dr. Joseph Murphy - https://www.youtube.com/playlist?list... All my Audiobooks - https://www.youtube.com/playlist?list=PLKv1KCSKwOo-ArT_9WQ-SrKaEP7VgIPb5 For all episodes of the Reality Revolution – https://www.therealityrevolution.com Join our facebook group https://www.facebook.com/groups/523814491927119 Like us on Facebook https://www.facebook.com/The-Reality-Revolution-Podcast-Hosted-By-Brian-Scott-102555575116999 Subscribe to my Youtube channel https://www.youtube.com/channel/UCOgX... Contact us at firstname.lastname@example.org #lawofattraction #robertbstone #drrobertbstone #totalhumanoptimization #silvamindcontrol #robertstone #prosperity #robertbstone #lawofattraction #magick
Is marketing a terrifying word for you? Does it feel like an imposition instead of a service? If you said yes, you'll want to listen to this important podcast with best-selling author C.J. Hayden. You'll get practical, actionable advice on: How to serve, not sell, so you can customize a strategy that will fill your pipeline and increase your income. How to use your marketing time efficiently so you can take the guesswork out of marketing and know-how to move forward. How to mobilize the ability to connect with other people and tell them what you need and see if they can help with that, so you can redefine marketing and grow your business. About C. J. Hayden C.J. Hayden is the bestselling author of Get Clients Now! A 28-Day Marketing Program for Professionals, Consultants, and Coaches. Since 1992, she's been helping coaches and other self-employed professionals get clients, get strategic, and get things done. C.J. is a Master Certified Coach and has taught marketing for John F. Kennedy University, Mills College, and the U.S. Small Business Administration. She leads workshops internationally, and licenses her tried-and-true Get Clients Now! program to coaches and trainers around the world. Find out more about C.J. at www.getclientsnow.com. For information about the Marketing Made Easy course at the Professional Christian Coaching Institute, which uses C.J. Hayden's book, go to https://professionalchristiancoaching.com/marketing-made-easy/
Former Detroit police chief Isaiah McKinnon says it is critical for police officers to engage with their local communities to foster trust and combat violence. His comments come amid a surge in gun violence across the U.S. CNBC's Ylan Mui discusses President Biden's agenda as it faces a crucial week for infrastructure and voting rights. A group of senators are finalizing a bipartisan infrastructure plan and Senate democrats are putting a voting rights bill up for vote tomorrow. CNBC's Kate Rogers discusses the Small Business Administration facing backlash from venues which sought grants to keep them afloat during the pandemic. The program has suffered many technical difficulties since its inception, leaving many venues in the dark. CNBC's Valerie Castro discusses the vaccine push as more cities, including Philadelphia, look to boost vaccine numbers by knocking on doors. NBC's Raf Sanchez reports on the Iranian election as the country elects a hardline president. Plus, NBC's Dasha Burns reports on summer camp re-openings across the U.S. as they struggle to find workers.
In March 2021, a year after the official beginning of the COVID-19 pandemic, the fully Democratic Party controlled Congress sent President Joe Biden their version of a COVID relief bill to sign, a bill that was rejected by the entire Republican Party. In this episode, examine the new law in detail to learn how it could help you and to judge whether this new law was something you would have liked your representatives in Congress to support. Please Support Congressional Dish – Quick Links Click here to contribute monthly or a lump sum via PayPal Click here to support Congressional Dish via Patreon (donations per episode) Send Zelle payments to: Donation@congressionaldish.com Send Venmo payments to: @Jennifer-Briney Send Cash App payments to: $CongressionalDish or Donation@congressionaldish.com Use your bank’s online bill pay function to mail contributions to: 5753 Hwy 85 North, Number 4576, Crestview, FL 32536 Please make checks payable to Congressional Dish Thank you for supporting truly independent media! Recommended Episodes CD213: CARES Act - The Trillions for COVID-19 Law CD161: Veterans Choice Program American Rescue Plan Outline House vote 1 House vote 2 Senate vote Text The American Rescue Plan Act of 2021 TITLE I - COMMITTEE ON AGRICULTURE, NUTRITION, AND FORESTRY Subtitle A - Agriculture Sec. 1001: Food Supply Chain and Agriculture Pandemic Response Appropriates $4 billion for food purchases and grants for food suppliers to protect their workers from COVID Sec. 1002: Emergency Rural Development Grants For Rural Health Care Appropriates $500 million for "emergency pilot program" grants to impoverished rural communities to help them distribute vaccines with infrastructure and staffing, give them medical supplies, reimburse them for lost revenue. The program has to be in operation by mid-August 2021. Sec. 1005: Farm Loan Assistance for Socially Disadvantaged Farmers and Ranchers Provides "such sums as may be necessary" for the Secretary of Agriculture (Tom Vilsack) to give "socially disadvantaged farmers and ranchers" payments covering "up to 120% of the outstanding indebtedness" as of January 1, 2021, which will pay off loans they received from the Farm Service Agency or Commodity Credit Corporation and loans guaranteed by the Department of Agriculture. "Socially disadvantaged farmers" are farmers or ranchers who "have been subjected to racial or ethnic prejudice because of their identity as members of a group without regard to their individual qualities." Subtitle B - Nutrition Sec. 1101: Supplemental Nutrition Assistance Program Extends food assistance benefits provided by the Coronabus from June 30, 2021 to September 30, 2021 and appropriates an additional $1.15 billion. Sec. 1103: Additional Funding For Nutrition Assistance Programs Provides $1 billion in food assistance benefits to be split among the territories, which they will have until September 30, 2027 to use. Sec. 1105: Improvements to WIC Benefits Allows, but does not require, the Secretary of Agriculture to increase the amount of WIC benefits by $35 until July 11, 2021, if requested by the states. Appropriates $490 million. Sec. 1108: Pandemic EBT Program The Family's First Coronavirus Response Act said that during 2020 and 2021, if a school is closed for more than 5 consecutive days under a public health emergency designation, families of children who are eligible for free or discounted school lunches will be able to get benefits valued at least as much as the school meals, to be distributed via the food stamp program, with money on EBT cards. This changes the dates so that it's valid "in any school year in which there is a public health emergency declaration" or "in a covered summer period following a school session" which will allow the state to continue the benefits for 90 days so that kids can continue to receive the meal credits during the emergency summers. TITLE II - COMMITTEE ON HEALTH, LABOR, AND PENSIONS Subtitle A - Education Matters Part 1 - Department of Education Sec. 2001: Elementary and Secondary School Emergency Relief Fund Appropriates over $122.7 billion, which can be used through September 30, 2023, for grants to the states. 90% of the money has to be given to local education agencies, including charter schools. 20% of the money needs to be used to address learning loss, via summer programs and extended school days and school years. The rest of the money can be spent at the local agencies discretion for activities they're already authorized to use Federal tax money for and to fund measures needed to protect students and staff from COVID. Any money not used must be returned to the Secretary of Education after one year. Sec. 2002: Emergency Assistance to Non-Public Schools Appropriates $2.75 billion, which can be used through September 30, 2023, for private schools that "enroll a significant percentage of low-income students and are most impacted by the qualifying emergency." Sec. 2003: Higher Education Emergency Relief Fund Appropriates $39.5 billion, which can be used through September 30, 2023, for colleges and universities. Part 2 - Miscellaneous Sec. 2021: National Endowment for the Arts Appropriates $135 million for the National Endowment for the Arts Sec. 2022: National Endowment for the Humanities Appropriates $135 million for the National Endowment for the Humanities Sec. 2023: Institute of Museum and Library Services Appropriates $200 million for the Institute of Museum and Library Services Subtitle B - Labor Matters Sec. 2101: Funding for Department of Labor Worker Protection Activities Appropriates $200 million, with half of that going to OSHA. Only $5 million is required to be spent on "enforcement activities related to COVID-19 at high risk workplaces" Subtitle C - Human Services and Community Supports Sec. 2201: Child Care and Development Block Grant Program Appropriates almost $15 billion, which has to be used before September 30, 2021, for the Child Care and Development Block Grant Program, which gives money to states for child care for low income families with children under the age of 13. States are authorized to provide child care funding to health care employees, emergency responders, and "other workers deemed essential" regardless of their income levels during the emergency period. Sec. 2202: Child Care Stabilization Appropriates almost $24 billion for states to give to child care providers, regardless of any other federal money they have received. The grant will be determined by the child care provider's operating expenses and can be used to pay for employee salaries, benefits, and recruitment; rent or mortages; PPE and training; and mental health support for children or employees. Subtitle D - Public Health Sec. 2301: Funding for COVID-19 Vaccine Activities at the Centers for Disease Control and Prevention Appropriates $7.5 billion for the Centers for Disease Control and Prevention to plan, prepare for, promote, distribute, administer, monitor, and track COVID-19 vaccines. Sec. 2302: Funding for Vaccine Confidence Activities Appropriates $1 billion, that does not expire, for the Centers for Disease Control and Prevention for activities "to strengthen vaccine confidence in the United States" in order to "improve rates of vaccination throughout the United States" Sec. 2303: Funding for Supply Chain for COVID-19 Vaccines, Therapeutics, and Medical Supplies Appropriates a little over $6 billion, which does not expire, "for necessary expenses with respect to research, development, manufacturing, production, and the purchase of vaccines, therapeutics, and ancillary medical products" to prevent and respond to COVID and "any disease with potential for creating a pandemic." Sec. 2305: Reduced Cost-Sharing Expands subsidies for health insurance provided by the Affordable Care Act to anyone who has been approved for unemployment insurance in 2021, and their subsidy level will be determined as if they didn't make more than 133% above the poverty level, regardless of actual income. This makes them eligible for the most general subsidy levels, which reduces their out-of-pocket limit by two-thirds and the insurance provider must pay 90% of health care costs. Subtitle E - Testing Sec. 2401: Funding for COVID-19 Testing, Contact Tracing, and Mitigation Activities Appropriates $47.8 billion, which does not expire, to "detect, diagnose, trace, and monitor SARS-CoV-2 and COVID-19 infections". This money must be used to implement a national testing and contract tracing strategy, provide technical assistance to states, "support the development, manufacturing, procurement, distribution, and administration of tests", which includes the supplies needed for those tests, PPE, and "the acquisition, construction, alteration, or renovation of non-federally owned facilities." Sec. 2402: Funding for Sara-COV-2 Genomic Sequencing and Surveillance Appropriates $1.75 billion for genomic sequencing, analytics, and disease surveillance, which will identify mutations and survey their transmission in our communities. This money can be used to "award grants for the construction, alteration, or renovation of facilities to improve genomic sequencing and surveillance capabilities at the State and local level." Sec. 2403: Funding for Global Health Appropriates $750 million to combat COVID "and other emerging infectious disease threats globally" Subtitle F - Public Health Workforce Sec. 2501: Funding for Public Health Workplace Appropriates $7.66 billion, which does not expire, to fund the creation and expansion of local public health workforces. The money will be granted to states who will then fund the wages and benefits for individuals hired to be contract tracers, community health workers, epidemiologists, laboratory personnel, communications and policy experts who are employed by the government or a non-profit, which can be public or private. Subtitle G - Public Health Investments Sec. 2601: Funding for Community Health Centers and Community Care Appropriates $7.6 billion, which does not expire, for grants for community health centers, which can be used for vaccine distribution, testing and contact tracing, to hire health care workers, and for community outreach. This money can be used to reimburse community health centers that they provided for COVID response sine January 31, 2020. Subtitle H - Mental Health and Substance Use Disorder Sec. 2701: Funding for Block Grants For Community Mental Health Services Appropriates $1.5 billion, that must be spent by September 30, 2025, for states to give to mental health service providers. Sec. 2702: Funding For Block Grants For Prevention and Treatment of Substance Abuse Appropriates $1.5 billion, that must be spent by September 30, 2025, for states to give to substance abuse treatment providers. Subtitle K - Ratepayer Protection Sec. 2911: Funding for LIHEAP Appropriates $4.5 billion, that expires on September 30, 2022, for payment for energy expenses of low income families. Subtitle L - Assistance for Older Americans, Grandfamilies, and Kinship Families Sec. 2921: Supporting Older Americans and Their Families Appropriates over $1.4 billion for COVID related expenses of senior citizens. TITLE III - COMMITTEE ON BANKING, HOUSING, AND URBAN AFFAIRS Subtitle A - Defense Production Act of 1950 Sec. 3101: COVID-19 Emergency Medical Supplies Enhancement Appropriates $10 billion, available until September 30, 2025, to use the Defense Production Act for "the purchase, production (including the construction, repair, and retrofitting of government-owned or private facilities as necessary)" for distributing medical supplies and equipment to combat the COVID-19 pandemic. Starting on September 30, 2022, the money left over can be used for any activity "necessary to meet critical public health needs of the United States, as determined by the President. Subtitle B - Housing Provisions Sec. 3201: Emergency Rental Assistance Appropriates over $21.5 billion (on top of the $25 billion provided by the Coronabus), available until September 30, 2027, for grants to states that will be used to pay rent, utilities and "other expenses related to housing incurred due, directly or indirectly," to COVID for up to 18 months. People who qualify for unemployment benefits, had their income reduced, are low income, or can demonstrate that they are at risk of homelessness. The payments will be made directly to the landlord until the landlord does not agree to accept the payment, in which case the household can receive the money. All eligible grantees (states and territories) must be given at least 40% of their payments by May 11 States and territories can use up to 15% of the money for administration Unused money will begin to be returned and redistributed starting on March 31, 2022 Sec. 3202: Emergency Housing Vouchers Appropriates $5 billion, available until September 30, 2030, for emergency housing vouchers (Section 8) to people who are homeless, at risk of homelessness, or escaping a domestic violence or human trafficking situation. Prohibits families from getting another voucher after their voucher expires starting on September 30, 2023. Sec. 3205: Homelessness Assistance and Supportive Services Program Appropriates $5 billion, available until September 30, 2025, for "tenant-based rental assistance", development of affordable housing, housing counseling, and individual shelters than may be converted to permanent housing. Eligible people include people who are homeless, at risk of homelessness, escaping a domestic violence or human trafficking situation, or veterans and their families if the veteran meets one of the other criteria. These services can be contracted out and the government "shall" enter into contracts "that cover the actual total program costs and administrative overhead" Sec. 3206: Homeowner Assistance Fund Appropriates over $9.9 billion, available until September 30, 2025, for a new Homeowner Assistance Fund. The fund will make payments "for the purpose of preventing homeowner mortgage delinquencies, defaults, foreclosures, loss of utilities... of homeowners experiencing financial hardship after January 21, 2020." Assistance will include payments of mortgages, payments to take a loan out of forbearance, principal reduction, facilitating interest rate reductions, payments for utilities and internet service, insurance, and homeowner association fees. 60% of the money given to states has to be used to help homeowners at or below the median income level for their household size or the median income level for the United States, whichever is greater. The rest of the money has to go to "socially disadvantaged individuals". The states must receive their payments by April 25. If a state does not request payments by that date, that state will become ineligible for payments and the money will be divided among the other states. Subtitle C - Small Business (SSBCI) Sec. 3301: State Small Business Credit Initiative Appropriates $10 billion to bring back a program last used after the 2008 global recession to support small businesses recovering from the economic effects of the COVID-19 pandemic. $1.5 billion must be spent on businesses owned and controlled by "socially and economically disadvantaged individuals" This includes privately owned businesses owned 50% or more by "socially and economically disadvantaged individuals" Publicly owned businesses with 51% or more of the stock owned by "socially and economically disadvantaged individuals" Institutions where a majority of the board, account holders and the community are "socially and economically disadvantaged individuals". "Socially and economically disadvantaged individuals" are two different legal categories, but the "economically" disadvantaged group comes from the "socially" disadvantaged group. "Socially disadvantaged individuals" are those who have been subjected to racial or ethnic prejudice or cultural bias because of their identity as a member of a group without regard to their individual qualities. $500 million must be spent on businesses with fewer than 10 employees, which "may" include independent contractors and sole proprietors. Subtitle D - Public Transportation Sec. 3401: Federal Transit Administration Grants Appropriates almost $30.4 billion, available until September 30, 2024, for... Over $26 billion: Urbanized area formula grants For capital projects, planning, job access and reverse commute projects and operating costs for public transportation facilities and equipment in cities with fewer than 200,000 people. Over $1.6 billion: Fixed guideway capital investment grants, For rail, ferry, and bus public transportation systems that increase the capacity of the route by at least 10%. Over $417 million: Formula grants for rural areas. For planning for rural areas, public transportation capital costs, public transportation facilities and equipment, joe access and reverse commute projects, and private providers of public transportation services. The grants cover 80% of the net project cost. $50 million: Grants for enhancing the mobility of seniors, "For public transportation projects designed, and carried out to meet the special needs of seniors and individuals with disabilities when public transportation is insufficient, inappropriate, or unavailable." The money is allowed to be used for operating expenses beginning on January 20, 2020, including payroll, operating costs due to lost revenue, purchase of PPE, and the administrative leave of personnel due to service restrictions. Increases the government's share of the costs from 80% to 100%. Prohibits money paying for route planning to be used to privatize a public transportation service. TITLE IV - COMMITTEE ON HOMELAND SECURITY AND GOVERNMENTAL AFFAIRS Sec. 4001: Emergency Federal Employee Leave Fund Appropriates $570 million, available through September 30, 2022, for up to 600 hours of paid leave for full time employees, capped at $2,800 for each bi-weekly paycheck, for employees that have to quarantine, who have COVID, is caring for a family member with COVID, or is getting vaccinated or is sick from getting the vaccination. Eligible employees include executive branch employees, USPS employees, and working people in the DC court system. Eligibility ends on September 30, 2021. Sec. 4005: Federal Emergency Management Agency Appropriation Appropriates $50 billion, available until September 30, 2025 for FEMA for "major disaster declarations" Sec. 4006: Funeral Assistance For the COVID emergency declared on March 13, 2020 "and for any subsequent major disaster declarations that supercedes such emergency declaration", FEMA funds "shall" be paid for 100% of disaster-related funeral expenses. Sec. 4007: Emergency Food and Shelter Program Funding Appropriates $400 million, available until September 30, 2025 for FEMA's emergency food and sh TITLE V - COMMITTEE ON SMALL BUSINESS AND ENTREPRENEURSHIP Sec. 5001: Modifications to Paycheck Protection Program Adds non-profit organizations with fewer then 500 employees per location to the eligibility list for forgivable PPP loans. They can be eligible if they receive up to 15% of their money from lobbying activities and that amount was less than $1 million during the tax year that ended prior to February 15, 2020. Adds "internet only periodical publishers" who are "assigned a North American Industry Classification System code of 519130" to be eligible for forgivable PPP loans if they have fewer than 500 employees per physical location. Appropriates an additional $7.25 billion to the PPP program Sec. 5002: Targeted EIDL Advance Appropriates $15 billion, which does not expire, for the Small Business Administration to make loans to businesses with fewer than 300 employees in low income communities. Sec. 5003: Support for Restaurants Appropriates $28.6 billion for restaurants, food stands, food trucks, caterers, bars, tasting rooms, including locations inside of airports. Does not include chains that had more than 20 locations on March 13, 2020, or publicly traded companies. $5 billion of that is reserved for businesses that made less than $500,000 in 2019. The maximum amount of each grant is $10 million, and no more than $5 million per physical location. The amount up to those caps of the grants is the amount of the business's pandemic related revenue loss. Valid for expenses from February 15, 2020 through at least December 31, 2021. The Administrator of the Small Business Administration can extend that until no later than March 11, 2023. Sec. 5005: Shuttered Venue Operators Appropriates an additional $1.25 billion, that doesn't expire, to the Coronabus grant program for live performance venues. Reduces the grant amounts by any amount of PPP money that was received on or after December 27, 2020. TITLE VII - COMMITTEE ON COMMERCE, SCIENCE, AND TRANSPORTATION Subtitle A - Transportation and Infrastructure Sec. 7101: Grants to the National Railroad Passenger Corporation Appropriates almost $1 billion to Amtrak's Northeast Corridor and $730 million to Amtrak's national network, available until September 30, 2024 for coronavirus related expenses. Sec. 7102: Relief for Airports Appropriates $8 billion, available until September 30, 2024 for airports. No more than $800 million can be used to pay the rent and required minimum payments of airport concessions operators. To qualify for the funding, airports have to retain 90% of the number of employees they had on March 27, 2020 until September 30, 2021, unless granted a waiver due to environmental hardship. Subtitle B - Aviation Manufacturing Jobs Protection Sec. 7202: Payroll Support Program Appropriates $3 billion, available until September 30, 2023 for a new program that pays airplane manufacturers for some payroll expenses if they have "significant operations in, and a majority of its employees" in the United States, if they have laid off at least 10% of their workforce or experienced a 15% or more loss of revenue. Businesses that got money from the CARES Act or PPP program are ineligible. Subtitle C - Airlines Sec. 7301: Air Transportation Payroll Support Program Extension Appropriates $14 billion for airlines and $1 billion for contractors conditioned on their agreement not to furlough anyone or reduce pay for workers before September 30, 2021, not buy back their own stock or pay out dividends before September 30, 2022, and limit executive pay. Subtitle D - Consumer Protection and Commerce Oversight Sec. 7402: Funding for E-Rate Support for Emergency Educational Connections and Devices Appropriates over $7.1 billion, available through September 30, 2030 to reimburse elementary and high schools and libraries for new telecommunications equipment and services including wi-fi hotspots, modems, routers, and connection devices. TITLE VIII - COMMITTEE ON VETERANS' AFFAIRS Sec. 8002: Funding Availability for Medical Care and Health Needs Appropriates $14 billion in additional funding, available until September 30, 2023 for the "Veterans Community Care program" Sec. 8007: Prohibition on Copayments and Cost Sharing for Veterans During Emergency Relation to COVID-19 Prohibits the Secretary of Veterans Affairs from charging any co-pay or cost sharing for health care received by a veteran, and any co-pays and cost sharing already charged must be reimbursed, for the period between April 6, 2020 and September 30, 2021. Appropriates an additional $1 billion, available until spent. TITLE IX - COMMITTEE ON FINANCE Subtitle A - Crisis Support for Unemployed Workers Part 1 - Extension of CARES Act Unemployment Provisions Sec. 9011: Extension of Pandemic Unemployment Assistance Extends unemployment benefits through September 6, 2021 and extends the total number of eligible weeks from 50 to 79. Part 3 - Department of Labor Funding for Timely, Accurate, and Equitable Payment Sec. 9032: Funding for Fraud Prevention, Equitable Access, and Timely Payment to Eligible Workers Appropriates an additional $2 billion, available until fully spent, to the Secretary of Labor to detect and prevent fraud and ensure the timely payment of unemployment benefits. Part 4 - Other Provisions Sec. 9042: Suspension of Tax on Portion of Unemployment Compensation For taxpayers whose gross income for "any taxable year beginning in 2020" is less than $150,000 and whose unemployment payments were less than $10,200, that income will not be taxable. Subtitle F - Preserving Health Benefits for Workers Sec. 9501: Preserving Health Benefits for Workers People who lose their employer paid health insurance due to being laid off or having their hours reduced can elect to have COBRA (a continuation of their health insurance) paid for by the government, which will provide tax credits to the employer who will pay the premiums. This applies between April 1, 2021 through September 30, 2021. Subtitle G - Promoting Economic Security Part 1 - 2021 Recovery Rebates to Individuals Sec. 9601: 2021 Recovery Rebates to Individuals Provides $1,400 per person stimulus checks to people making less than $75,000 per year, with a phase out up to $100,000 per year. No checks are allowed to be issued after December 31, 2021. They check amounts will be determined based on either 2019 or 2020 tax filings, whatever the government has on file. Appropriates over $1.4 billion. Part 2 - Child Tax Credit Sec. 9611: Child Tax Credit Improvements for 2021 For 2021, for taxpayers living in the United States will get a $3,000 payment for each child ages 6-18 and $3,600 for each child under the age of 6. The payments will be reduced for individuals who make more than $75,000 and couples who make more than $150,000. Payments will be made between July 1, 2021 and December 31, 2021. Part 3 - Earned Income Tax Credit Sec. 9621: Strengthening the Earned Income Tax Credit for Individuals with No Qualifying Children Doubles the refundable Earned Income Tax Credit for qualified taxpayers for 2021 who don't have children, increasing the maximum credit from $538 to $1,500. To qualify, you have to live in the United States at least half the year and have investment income below $10,000. People who make more than $21,430 as a single person or $27,830 jointly are not eligible. Part 4 - Dependent Care Assistance Sec. 9631: Refundability and Enhancement of Child and Dependent Care Tax Credit For 2021, eligible taxpayers can get up to 50% of up to $8,000 in childcare costs (capped at $16,000 for multiple children under the age of 12) reimbursed via a refundable tax credit. The credit phases out for families with income higher than $400,000 per year. Part 5 - Credits for Paid Sick and Family Leave Sec. 9641: Payroll Credits Provides a 100% refundable tax credit for employers that provide paid sick leave, capped at $511 and 10 days per quarter. Provides a 100% refundable tax credit for employers who provide family leave, capped at $200 per day and $12,000 total. Sec. 9642: Credit for Sick Leave For Certain Self-Employed Individuals Allows self employed individuals to receive a tax credit for sick day related to COVID-19 from April 1, 2021 through September 30, 2021, including getting tested, quarantining, illness, and getting the vaccine. The number of days is capped at 10 and its capped at $200 per day. Sec. 9643: Credit For Family Leave For Certain Self-Employed Individuals Allows self employed individuals to receive a refundable tax credit for family leave for COVID-19 testing, illness, or vaccines. It's capped at 60 days and $200 per day. Part 6 - Employee Retention Credit Sec. 9651: Extension of Employee Retention Credit Provides employers who had to partially or fully close during 2021 with a refundable tax credit up to 70% of the wages they pay to their employees capped at $10,000 per employee per quarter. Part 7 - Premium Tax Credit Sec. 9661: Improving Affordability by Expanding Premium Assistance for Consumers Increases the amount of money the government will pay towards the health insurance premium of low income individuals. People with incomes at or below 150% of the poverty level ($19,320 for individuals) can get coverage with no monthly premiums. Lifts the cap on the income level of individuals eligible for subsides, so now everyone is eligible and no one will pay more than 8.5% of their income towards health insurance premiums. This is only applicable for 2021 and 2022. Part 8 - Miscellaneous Provisions Sec. 9671: Repeal of Election to Allocate Interest, Etc. on Worldwide Basis Repeals a tax benefit for corporations that would have become effective in 2021. Sec. 9672: Tax Treatment of Targeted EIDL Advances COVID relief money provided via the Small Business Administration's program for restaurants will not count as gross income for tax purposes. Sec. 9673: Tax Treatment of Restaurant Revitalization Grants COVID relief money provided via the Small Business Administration's program for small businesses, nonprofits, and venues will not count as gross income for tax purposes. Sec. 9675: Modification of Treatment of Student Loan Forgiveness Student loan forgiveness amounts will not be included in gross income from 2021 through 2025. Subtitle H - Pensions Subtitle I - Child Care for Workers Sec. 9801: Child Care Assistance Appropriates over $3.5 billion for grants to states and territories for child care assistance. Subtitle J - Medicaid Sec. 9811: Mandatory Coverage of COVID-19 Vaccines and Administration and Treatment Under Medicaid From March 11, 2021 until one year after the COVID emergency is declared over, Medicaid must pay for COVID testing, treatment, and vaccines free of out of pocket charges. Subtitle K - Children's Health Insurance Program Sec. 9821: Mandatory Coverage of COVID-19 Vaccines and Administration and Treatment Under CHIP From March 11, 2021 until the first day of the quarter after the one year anniversary of the COVID emergency being declared over, the Children's Health Insurance Program (CHIP) must cover COVID testing, treatment, and vaccines with no cost sharing requirements. The Federal government will pay 100% of the costs to the states. Subtitle M - Coronavirus State and Local Fiscal Recovery Funds Sec. 9901: Coronavirus State and Local Fiscal Recovery Funds Appropriates $219.8 billion, available through the end of 2024, for states, territories, and tribal governments to "mitigate the fiscal effects stemming from the public health emergency with respect to the Coronavirus Disease (COVID-19)". The money can be spent on "assistance to households, small businesses, and nonprofits, or aid to impacted industries such as tourism, travel, and hospitality" and "premium pay (up to $13/hour, capped at $25,000) to eligible workers... performing such essential work" and "for the provision of government services to the extent of the reduction of revenue... due to the COVID-19 public health emergency" and "to make necessary investments in water, sewer, or broadband infrastructure." The money can NOT be used to offset a reduction in revenue caused by a tax cut or to deposit into pension funds. Appropriates over $130 billion, available through the end of 2024 for metropolitan cities ($45.5 billion), nonentitlement units of local government ($19.5 billin), and counties ($65 billion) to "mitigate the fiscal effects stemming from the public health emergency with respect to the Coronavirus Disease (COVID-19)" for the same purposes with the same conditions placed upon the states (see above). Appropriates $10 billion, available until fully spent, for states, territories, and tribal governments to "carry out critical capital projects directly enabling work, education, and health monitoring, including remote options." Each state will get at least $100 million. Appropriates $2 billion, available until September 30, 2023, for counties and tribal governments for "any governmental purpose other than a lobbying activity." Subtitle N - Other Provisions Sec. 9911: Funding For Providers Relating to COVID-19 Appropriates $8.5 billion, available until fully spent, for health care providers for "health care related expenses and lost revenues that are attributable to COVID-19. Health care providers must apply and can't double dip for the same expenses that have already been reimbursed or are supposed to be reimbursed some other way (for example, via insurance.) The money can be used for expenses derived from new construction of temporary structures, leasing property, purchasing medical supplies, hiring new workers and their training, and others. TITLE X - COMMITTEE ON FOREIGN RELATIONS Sec. 10003: Global Response Appropriates over $8.6 billion, available until September 30, 2022, for international health programs "to prevent, prepare for, and respond to coronavirus". $3.75 billion will go to the State Department for "the prevention, treatment, and control of HIV/AIDS" in order to mitigate the impact on these programs from impacts of the coronavirus and support recovery from them. The vast majority of this money will be for "a United States contribution to the Global Fund to Fight AIDS, Tuberculosis and Malaria" $3.09 billion will go to USAID for COVID-19 relief that "shall include support for international disaster relief, rehabilitation, and reconstruction, for health activities, and to meet emergency food security needs." $930 million will be for "activities to address economic and stabilization requirements resulting from" coronavirus. $905 million will go to USAID and "shall include a contribution to a multilateral vaccine development partnership to support epidemic preparedness." Sec. 10004: Humanitarian Response Appropriates $500 million, available until September 30, 2022, to carry out the Migration and Refugee Assistance Act, but the money can't be used to resettle refugees in the United States. Sec. 10005: Multilateral Assistance Appropriates $580 billion, available until September 30, 2022, which "shall include support for the priorities and objectives of the United Nations Global Humanitarian Response Plan to COVID-19 through voluntary contributions to international organization and programs administered by such organizations." TITLE XI - COMMITTEE ON INDIAN AFFAIRS Sec. 11001: Indian Health Service Appropriates over $6 billion for the Indian Health Service for COVID-19 related expenses. Sec. 11002: Bureau of Indian Affairs Appropriates $900 million for the Bureau of Indian Affairs for tribal housing improvements, welfare services and water deliveries. Sec. 11003: Housing Assistance and Supportive Services Programs for Native Americans Appropriates $750 million for housing assistance for native American communities. Sec. 11005: Bureau of Indian Education Appropriates $850 million for the Bureau of Indian Education, available until fully spent. Articles/Documents Article: Monthly Child Tax Credit Payments Start July 15th. Here's What You Need to Know, By Christine Hernandez, winnie, May 21, 2021 Article: Applying for rental assistance isn't easy. Here's what you need to know, By Annie Nova, CNBC, May 20, 2021 Article: Facing Hurricane and Wildfire Seasons, FEMA Is Already Worn Out, By Christopher Flavelle and Zolan Kanno-Youngs, New York Times, May 20, 2021 Article: As GOP-run states slash jobless aid, the Biden administration finds it has few options, By Tony Romm and Eli Rosenberg, The Washington Post, May 20, 2021 Article: FEMA Launches Program to Compensate Funeral Expenses During Pandemic, By Stephanie Steele, NewsRadio 610 Kona, May 18, 2021 Article: Judge Allows National Eviction Moratorium To Remain In Force While Feds Appeal Ruling Tossing It, By Nicholas Reimann, Forbes, May 18, 2021 Article: How to get $9,000 in federal assistance for COVID-related funeral expenses, By James T. Mulder, AL, May 12, 2021 Article: Struggling Renters Need More Federal Aid, By Alieza Durana and Carl Gershenson, The American Prospect, May 12, 2021 Article: Lockheed-Backed Reps Lobby Against F-35 Spending Cuts, By David Moore, Sludge, Brick House, May 12, 2021 Article: Loans Online – Black farmer loan forgiveness challenged, By Andrew Solender, Forbes, May 11, 2021 Article: Senate Republicans Move To End $300 Unemployment Checks After Bad Jobs Report, By Andrew Solender, Forbes, May 11, 2021 Article: Republicans Are Still Waging War on Workers, By Paul Krugman, The New York Times, May 10, 2021 Article: U.S. Chamber of Commerce blames weak jobs report on enhanced unemployment benefit, kicks off lobbying effort, By Thomas Franck and Brian Schwartz, CNBC, May 7, 2021 Article: National Eviction Moratorium Thrown Out by Federal Judge, By Andrew Ackerman and Brent Kendall, The Wall Street Journal, May 5, 2021 Article: Who is eligible for Earned Income Tax Credit for childless workers?, By Greg Heilman, as, May 3, 2021 Article: Sid Miller sues over farm aid program, saying it discriminates against whites, By Chuck Lindell, Austin American-Statesman, April 27, 2021 Article: Texas Ag Commissioner Sid Miller sues, claims American Rescue Plan discriminates against white farmers, By Drew Knight, KVUE, April 27, 2021 Article: WHAT TO KNOW ABOUT THE PAYCHECK PROTECTION PROGRAM BEFORE YOUR CHANCE TO GET IT RUNS OUT, By Jamie Smith Hopkins, The Center for Public Integrity, April 25, 2021 Article: USDA Details Plan for Debt Payments to Socially Disadvantaged Farmers, By Chris Clayton, Progressive Farmer, DTN, Ag Policy Blog, April 15, 2021 Article: HOMEOWNER ASSISTANCE FUND, U.S. DEPARTMENT OF THE TREASURY, April 14, 2021 Article: New $3,000 child tax credit to start payments in July, IRS says, By Carmen Reinicke, CNBC, April 13, 2021 Document: FAQS ABOUT COBRA PREMIUM ASSISTANCE UNDER THE AMERICAN RESCUE PLAN ACT OF 2021, Department of Labor, April 7, 2021 Article: Exclusive: Nearly 7 million uninsured Americans qualify for free health insurance, By Dylan Scott, Vox, April 1, 2021 Article: This Fast Food Giant Bragged About Killing $15 Minimum Wage, By David Sirota, Andrew Perez and Walker Bragman, Newsweek, March 27, 2021 Document: Pension Provisions in the American Rescue Plan of 2021, U.S. Congressional Research Service, March 18, 2021 Article: Congress Repeals Worldwide Interest Expense Allocation, By Amanda Pedvin Varma, Lauren Azebu, Steptoe, March 17, 2021 Article: House Democrat Jared Golden Defends Voting Against 'Wasteful' $1.9T Relief Bill, By Benjamin Fearnow, Newsweek, February 27, 2021 Article: FEMA Supporting Vaccination Centers Nationwide, FEMA, February 26, 2021 Article: Veterans Community Care Program: Improvements Needed to Help Ensure Timely Access to Care, U.S. Government Accountability Office, September 28, 2020 Article: How a 1960s communist exposed the funeral industry’s greed, By Matt Reimann, Timeline, July 11, 2016 Article: The F-35 Is About to Get A Lot Cheaper. Sort Of., By Kyle Mizokami, Popular Mechanics, July 11, 2016 Additional Resources Poll @JenBriney Twitter Allocation for States Allocation for Metropolitan Cities Socially Disadvantaged Farmers and Ranchers, U.S. Department of Agriculture Child Care & Development Block Grant (CCDBG), First Five Years Fund The American Rescue Plan, The White House Federal Poverty Level (FPL), Healthcare.gov New, lower costs on health insurance! Enroll now, Healthcare.gov US Chamber of Commerce, OpenSecrets.org Lobbyist Profile: Robert L Livingston, OpenSecrets.org Lobbyist Profile: Michael Mukasey, OpenSecrets.org Client Profile: US Chamber of Commerce, OpenSecrets.org Industry Profile: Food & Beverage, OpenSecrets.org Sound Clip Sources McConnell: I hope EVERY REPUBLICAN votes against American Rescue Plan, Forbes, YouTube, March 3, 2021 Rep. Kurt Schrader explains his vote against $1.9T coronavirus relief bill, KGW, March 1, 2021 "A Payoff For Pelosi": Kevin McCarthy Slams Spending Items In $1.9 Trillion American Rescue Plan, Forbes, YouTube, May 1, 2021 Cover Art Design by Only Child Imaginations Music Presented in This Episode Intro & Exit: Tired of Being Lied To by David Ippolito (found on Music Alley by mevio)