White County Strong
This page is designed to keep you abreast of the rapidly changing COVID-19 information. This page will be filled with confirmed, regularly updated and actionable information that can help your business continue to be agile. If you cannot find information that you find pertinent, please email us at email@example.com. Your question might be a question that can help more businesses. We are here to help.
White County Strong
Since 1987, your White County Chamber of Commerce has been banner-carrier for small business, free enterprise, quality growth and community response. Over the years, we have faced some unsteady economic times. And like before, we are here to help rally the troops, lobby for economic relief, and serve in many local and regional business purposes. In our current national healthcare crisis with COVID-19, we continue to drive plans for businesses preparedness and the economic recovery that will soon follow. We acknowledge that our industries of tourism, healthcare, insurance, retail, hospitality and manufacturing are hard hit by this pandemic driven economic downturn and we are working to support those businesses and others as we move forward....TOGETHER. Because we are WHITE COUNTY STRONG.
US Small Business Admin Office of Governor Kemp Small Business Dev Ctr US Chamber GA Chamber GADOL CDC Small Business Administration Disaster Loans Essential Business Information
The Family and Medical Leave Act poster if available for free by clicking here. Some of the statutes and regulations enforced by the Wage and Hour Division (WHD) require that posters or notices be posted in the workplace. Please note that posting requirements vary by statute; that is, not all employers are covered by each of the statutes administered by the WHD and thus may not be required to post a specific notice. For example, some small businesses may not be covered by the Family and Medical Leave Act and thus would not be subject to the Act's posting requirements. Please note that that this page only contains information and links to federal WHD poster requirements only. For more information regarding other federal employment posters, please visit the Department's Poster Elaws Advisor, Poster Page or Poster Frequently Asked Questions. For state posting requirements, contact your State Department of Labor.
There are currently (03/31/2020) two available SBA loans. Your business may be eligible for one or both. For a quick comparison of the Payroll Protection Program (PPP) and the Emergency Injury Disaster Loan (EIDL) click here. For a recorded update from United Community Bank on 03/30/2020, click here.
Synopsis of the CARES relief package updated Saturday, March 28 at Noon. Read the full document here.
For the online application by clicking here.
To listen to an update from our call with U.S. Small Business Administrator Jovita Carranza to discuss the impact of the coronavirus pandemic on the small business community, click here.
IS YOUR BUSINESS ESSENTIAL? Click here to help you determine if your business is essential.
The Coronavirus Aid, Relief, and Economic Security Act or the “CARES Act” passed the U.S. Senate last night, March 25, and is headed to the U.S. House of Representatives for consideration as soon as today March 26. This is a $2 trillion stimulus bill which will provide economic relief to individuals, families, small businesses and other sectors of the United States economy that took a hard hit due to the pandemic. Once this is passed in the House and signed by President Trump, most provisions are available to individuals and businesses almost immediately.
Summary of Key CARES Act Provisions
(Adapted from the National Manufacturing Association Summary)
$500 billion in loans to eligible businesses
- Targeted at companies that do not receive adequate relief from other provisions of the bill, located in the U.S. and with a predominantly U.S. employee base
- Eligible businesses must maintain employment levels from March 24, 2020 to September 30, 2020
- Prohibits stock buybacks, dividend payments and increasing compensation for certain high wage employees
- $46 billion set aside for the airline industry: $25B for passenger airlines; $4B for cargo air carriers; and $17B for businesses important to national security
$350 billion in small business loans administered nominally through the SBA, called the “Paycheck Protection Program.” Loans will be administered through local and regional banks; any federally regulated bank may become an SBA lender for this purpose. The Department of the Treasury will issue regulations for these loans quickly. SBA lenders will be able to determine eligibility credit worthiness by determining whether a borrower was operational on March 1, 2020 and had employees that they paid salaries and payroll tax. The government guarantee of 7(a) loans would be increased to 100% through the end of 2020, at which point the guarantee would return to 75% for loans over $150,000 and 85% for loans less than or equal to $150,000. The complete deferment of 7(a) loan payments are permitted for up to one year.
- Targeted at companies with less than 500 employees or otherwise specified by SBA standards
- Loans can be used for payroll, mortgages, rent, insurance premiums and utility payments.
- Up to $10 million per company available
- Cannot apply for SBA disaster loan related to COVID 19 and loans under this program at the same time
- Loans can be forgiven up to the amount spent by the borrower during the eight weeks from loan origination on payroll costs up to $100,000 in wages, mortgage interest, rent or utilities
- Forgiveness is reduced by layoffs or pay reductions in excess of 25%.
- Forgiveness is not treated as taxable income
- Additionally, $24 billion is set aside for relief to stabilize the farm economy.
- Companies may use tax losses in 2018, 2019 and 2020 to offset income from the prior five years.
- The maximum amounts of business interest deductions are increased for 2019 and 2020 from 30% of to 50%.
- Allows an employer to defer its share of 2020 payroll tax and pay them over two years.
- The 2018 tax reform bill imposed a one-time tax on earnings held overseas, which could be paid over eight years. The IRS has taken the position that companies cannot receive refunds until the eight-year period is completed. The bill overturns the IRS position.
- Creation of a new, temporary refundable payroll tax credit for companies who keep workers on their payroll during the COVID-19 pandemic, up to $5,000 per worker.
- Companies may accelerate recovery of Corporate Alternative Minimum Tax (AMT) Credits.
- Businesses in retail, restaurants and hotels to write off certain facilities improvements immediately.
Health Care Provisions
- $150 billion for hospitals and other health facilities, which will come from the Department of Health and Human Services (HHS) and more funding for small and rural hospitals
- Provides permanent liability protections for makers of PPE that are called for public health emergency countermeasures.
- Clarifies no COVID-19 cost sharing for private insurance, requires free vaccine coverage without cost sharing following current vaccine practices guidelines and includes a range of public health measures to address COVID-19 treatment and response, including liability protections for doctors who volunteer.
- Removes barriers and facilitates telehealth services, especially for high deductible health plans that utilize health savings accounts.
- Provides $200 million to boost telehealth services.
- Sets a cap on maximum payments employers will be required to pay for new emergency paid leave requirements. The provision also allows employers to receive an advance tax credit on paid leave rather than having to be reimbursed on the back end.
- Provides individuals an additional $600 per week for up to four months on top of state unemployment benefits. The provision also establishes short-term compensation programs for states like Georgia that allow for employers to reduce workers’ hours while still providing employees a pro-rated unemployment benefit.
- CARES Act provides checks of up to $1,200 to single individuals and $2,400 to married couples (as well as $500 per child). Check amounts begin to reduce as income exceeds a threshold amount ($75,000 for individuals/$150,000 for married filers) and are completely eliminated once income reaches $99,000 for individuals/$198,000 for joint filers with no children.
- Waives the 10% penalty for distributions from certain retirement plans. Only applicable to individuals diagnosed with COVID-19, whose spouse or dependents have been diagnosed or who experience adverse financial consequences from the virus.
- $25 billion for food assistance programs
- $30 billion for emergency education funding for colleges, universities, states and school districts
- Waives the matching requirement for campus-based aid programs and it will allow institutions to transfer unused work study funding as a supplemental grant. This can be distributed to students who were unable to work due to workplace closures. Additionally, students who had to dropout due to COVID-19, grades will not affect federal academic requirements.
RESTAURANT , TAKEOUT , DELIVERY & CURBSIDE
Cleveland - Takeout and Curbside
Clyde’s Table and Tavern Curbside pickup Fri and Sat
Creekside Deli (closed)
Huddle House (closed)
Cleveland - Delivery and Drive-Through
770-965-7240 706-348-6960 706-865-1738 706-865-2213
706-865-2072 706-865-7850 706-865-0110
Bigg Daddys (Closed)
Cimmi’s Café (Closed)
Cowboys and Angels
These businesses offer on-line shopping, over the phone orders, curbside service and/or gift cards.
Cleveland Drug Company - Drive-thru and gift certificates
Cleveland Florist - Call-in Orders (706) 348-1297
Factory Connections Gift Cards available
Nora Mill General Store - on-line, curbside delivery, gift certificates
Quilt'n Kaboodle - Call-in Orders, curbside delivery and gift certificates 706-865-0065
Revival Gifts and Apparel - on-line shopping, curbside delivery, and gift cards
Roger's Ace Hardware - call-in orders, curbside delivery, gift certificates 706-865-2184
Straight Shooters Guns and Ammo - on-line orders, gift certificates
Velvet's Vintage on-line and call in orders, gift certificates 706-219-0229
White County Farmers' Exchange curbside pickup 706-865-2831
Betty's Country Store
Nora Mill Granary - on-line, curbside delivery, gift certificates
The Glass Blowing Shop - on-line orders for shipping, call-in orders for curbside pick-up 706-878-3156
Wildwood General Store - call-in orders and gift cards 706-878-5373
Lavender Cottage and Garden on-line orders, curbside pickup, phone in orders *Free shipping with $50 order
Amy's Green Cleaning - Order online
Old Sautee Store - Phone -in orders, curbside delivery, gift cards 1-888-463-9853
LOCAL HEALTH UPDATES
The President's Coronavirus Guidelines for America - 15 Days to Slow the Spread of Coronavirus (COVID-19) Office of Georgia Gov Brian Kemp GA Dept of Public Health White Co Emergency Management City of Cleveland City of Helen Northeast Georgia Health System (hospital)
REMOTE WORKING TIPS
PLATFORMS FOR VIRTUAL MEETINGS-Skype for Business: audio and video conferencing. You will need to create a Skype account, and then you're able to sync with SharePoint in Microsoft, and share media. FREE download.-Facebook Messenger: able to text chat, audio message, or face-to-face web conferencing within the app, may be useful for getting into contact directly with businesses through their Facebook page, FREE .-Zoom: used by many educators currently. Easy to use, chat/audio/video available, can show screen in real-time, can be online or in app, FREE to sign up by using work email, ZoomPlus offers more for a price-GoToMeeting: one-click meetings, collaboration meetings made easier, webinars available, cloud recordings, Office365 plug in, Cost starting at $12.00.-TeamViewer:software for audio and video conferences, interactive screen sharing, Cost starting at $49.00.-Microsoft Teams:uses SharePoint to share files in Office programs, conference calls, group chat, FREE to those with Office365 program package, Costs start at $12.95/month for others.
- Get dressed. Working in your pajamas sounds cool, but you will feel a bit lazy and too relaxed. Plus, if you start a work call and hit the video button by mistake, well…
- Carve out a dedicated work area, even if it is temporary during this Coronavirus situation. A separate workspace is healthy as well as keeping to your regular work routine, even though you are not in the office. Plus, it lets you close the door and leave work behind.
- Replicate your office work tech as much as possible. If you work with two screens, haul them home for this time. If you don’t have two screens, why not?
- Since you might not have an ergonomic desk and chair setup at home, plan to take more physical breaks to get up, stretch, move around. Avoid the fridge, though. Keep your normal coffee break and lunch time, but avoid distractions.
- Get noise-cancelling headphones if you need to listen in to a conference call and your kid is running around. Or read about Krisp here. Or, get good and fast with that mute button.
Check out this video from Time Magazine for more helpful tips here!
Below is a tutorial for using the Zoom Meeting mobile app.
The White County Chamber seeks to provide access to recommendations, regulations, services and expertise to its members. During the COVID-19 pandemic, this mission remains constant. Prior to acting, members should consult their own professional advisors for information and counsel specific to the individual and unique situations faced by organizations, individuals and corporations. The opinions, interpretations and recommendations of the White County Chamber are informational only and should not be relied upon by the recipient as legal or professional advice. The White County Chamber makes no representations as to the accuracy or reliability of the content contained herein. Users of this information accept any and all risks associated with the use of such information and agree that the White County Chamber has no liability to user.