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Keeping American Workers Paid and Employed Act

These guidelines may be subject to change and will be superseded by any SBA guidance.

Summary

This law allows businesses under 500 employees (including independent contractors and self-employed) to receive:

1. Emergency grants up to $10,000 received within three (3) days of SBA verifying borrower’s eligibility

a. What is this program called?

i. Emergency Economic Injury Disaster Loan Grants (Emergency EIDL Grants)

b. Who is eligible?

i. businesses under 500 employees that are negatively impacted by the COVID-19 pandemic
ii. Other organizations negatively impacted by the COVID-19 pandemic:

  • Independent contractors and self-employed people
  • Nonprofits (501(c)(3)s
  • Veterans organizations, or
  • Tribal business concerns.

c. How do you get it?

i. Apply for an EIDL loan and request an advance up to $10,000. You will need to self-certify your eligibility and apply directly to the SBA. The SBA will provide additional guidance in the future on how to self-certify and apply: https://www.sba.gov/

d. Eligibility requires good faith certification that:

i. Uncertainty of current economic conditions makes the loan necessary
ii. Funds will be used to:

  • retain workers
  • maintain payroll
  • make mortgage payments or lease payments, or
  • make utility payments.

iii. You don’t apply twice for the same Emergency EIDL loan (i.e., no double-dipping)
iv. You haven’t already received an Emergency EIDL loan for the same purpose.

e. What can you spend it on?

i. Payroll, mortgage, rent, and other operating expense while waiting for Paycheck Protection Loans or traditional EIDL loans to be processed

f. Do you have to pay it back?

i. No

g. Do you have to demonstrate that you can’t get credit elsewhere?

i. No, not for these emergency grants related to the COVID-19 pandemic. For ordinary SBA 7(a) loans you do.

h. Who is NOT eligible for an Emergency EIDL grant?

i. Employers with more than 500 employees;

a. Exception if the SBA determines a different standard size in that industry

ii. Employers who have not been negatively impacted by the COVID-19 pandemic

a. For example, if your employees are able to continue their work from home, then you don’t need this Emergency EIDL grant.

iii. Employers that have already gotten or applied for one of these Emergency EIDL grants

iv. Non-profits not allowed under existing SBA guidelines

a. For example, nonprofits that “provide services of a government nature” are not allowed to apply for these grants.

2. Forgivable loans up to $10 million.

a. What is this program called?

i. Paycheck Protection Program: This program is intended to help small and medium-sized businesses maintain payroll and overhead through the next few months so that workers are not laid off and businesses are ready to thrive again once the COVID-19 pandemic has passed.

b. Who is eligible?

i. Most businesses under 500 employees that are negatively impacted by the COVID-19 pandemic:

  • Independent contractors and self-employed people
  • Hotels, restaurants, and other Accommodation and Food Services companies with more than 500 employees are still if the physical location doesn’t have more than 500 employees. (SBA will likely issue further guidance.)
  • Nonprofits (501(c)(3)s)

c. How much can you get?

i. Eight (8) weeks worth of payroll for full-time equivalent employees

a. Covers eight (8) weeks from the origination of the loan

b. Calculate the payroll amount by averaging either:

  • Your average number of full-time equivalent employees per month from February 15 to June 30, 2019 (in other words, the same period last year) x 2.5; or
  • Your average number of full-time equivalent employees per month from January 1 to February 29, 2020 x 2.5.

c. For seasonal employers, the SBA will determine the average employees per month based on February 15 to June 30, 2019.

d. How do you get it?

i. From SBA-certified lenders (banks, credit unions, etc.) See list of eligible lenders here: https://www.sba.gov/offices/district/ky/louisville/lender-reports/2019-k...

e. What can you spend it on?

i. Payroll (including to re-hire recently laid-off workers)

a. Up to an annual salary of $100,000/per employee. In other words, if your employee makes $200,000/year, you can only be forgiven for the amount up to the $100,000/year rate.

ii. Employee paid sick leave

iii. Employee healthcare

iv. Rent or mortgage interest (not mortgage principal)

v. Utilities

vi. Interest on other debt obligations

f. Do you have to pay it back?

i. No, as long as you spend it on the allowable costs, but you must apply for forgiveness. It is not automatic.
ii. If you borrow too much or you spend it on non-forgivable costs like mortgage principal, you will pay interest for up to ten (10) years at less than 4%.

g. Can you use both unemployment insurance for employees laid off and Paycheck Protection?

i. No, not at the same time.

h. Can I start a new business or expand my existing business with this money?

i. No, not with Paycheck Protection, but there may be other programs you could consider, such as the SBA Express Loans (see below).

i. What if I laid off employees?  Do I have to hire them back to qualify?

i. Not necessarily, but the forgivable part of the loan will be reduced if you don’t maintain previous levels of monthly employment (as measured by the averaging outlined above). The Paycheck Protection Program is intended to help small and medium size businesses maintain their levels of employment before the COVID-19 pandemic.

j. Do I have to keep all of my employees?  If so, what date is that measured by?

i. Not necessarily, but you only get loan forgiveness for the extent to which you maintain previous levels of employment (as measured by the averaging outlined above). If you used to employ ten (10) people and because of the COVID-19 pandemic, you now employ three (3), you don’t have to hire back the seven (7) people you laid off, but if you don’t, you only get Paycheck Protection assistance for the three (3) employees you still have. If you did hire back the seven (7) people who were laid off, you could get Paycheck Protection assistance for all ten (10) employees.

Other resources the law makes available:

1. Up to six (6) months of debt relief for existing SBA loans.

a, What is it?

i. The SBA will pay all principal, interest, and fees on the existing SBA loans of eligible borrowers for six months.

b. Who is eligible?

i. Existing SBA borrowers who have been negatively impacted by the COVID-19 pandemic.

2. SBA Express Loans of up to $1 million for eligible borrowers

a. What is it?

i. Line of credit for working capital of up to $1 million

b. Who is eligible?

i. Businesses that meet the criteria outlined here: https://www.sbaexpress.loans/sba-express-loan-requirements

Health Benefits of European Greek Black Natural Olives and Tips on How to Differentiate Them

Since antiquity, Olives have been a staple in the world re-known “Mediterranean Diet”, that UNESCO, has officially declared as an inherited cultural Heritage of Humanity, and until this day European table olives are still made in the most natural way.

Not known to many, Olives are small fruits that grow on olive trees. The sure thing about olives is that they are perfect snacks, they bring out the flavor in recipes, and they offer an array of health benefits because of their nutritional properties. Most importantly they include; unsaturated natural fat, antioxidants, several vitamins and minerals including, vitamin E, iron & calcium, and studies have shown they have been linked with decreasing inflammation and the risk of heart disease because olives contain mono-saturated fat, of which 74% percent is oleic acid. Another known fact but rarely given enough credit about olives, is that they are especially beneficial because they are an important carrier of probiotic bacteria. In a nut shell, Olives are another amazing natural food to add to your diet!

olive oil1

Journalists, nutritionists, and foodies got a chance to learn more about this tiny fruit in New York, on February 27th, at PEMETE’s (Panhellenic Association of Table Olive Processors, Packers and Exporters), European Table Olives campaign “Olive You” tasting event. The event’s focus was on European Greek black natural olives, grown naturally throughout different parts of Greece, without artificial ripening methods, that are viewed as a healthy alternative to the more familiar commercial black olives. 

Guests had the opportunity to sample the European Greek Natural Black Olives, along with other types of Olives and restaurant Kyma Flatiron’s chef Chris Christou’s olive inspired appetizers. They learned about the health benefits, and four types of natural black olives, which include Kalamata, Chalkidiki, Konserviola and Throumpa, from Greek TV personality, Exercise specialist and Nutritionist, Yanna Darilis.

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Here’s the take away on how to differentiate and chose Olives:

Kalamata Olives: The most famous and sought after olive in the world. Purple black, almond shaped and shiny, it is a staple of the Mediterranean diet.

 Chalkidiki Olives: A greenish olive harvested when not yet fully ripe, it is slit lengthwise or ‘cracked’ to remove the bitterness. They are kept in brine and are ready for consumption in 2-3 days.

 Konserviola Olives: The olive with the highest nutritional value and the richest flavor, as it’s left to ripen on the tree.

 Throumpa Olives: Small black shriveled olives, their bitterness removed while ripening, they have a distinct flavor.


Doliveoil 2ue to the fact that European Black Natural Olives from Greece ripen naturally on the tree without artificial methods, they are seen as healthier than Commercial Black Olives, which are ripened and colored by artificial methods. Commercial trade types, like those mentioned above, are defined by Codex Alimentarius International Food Standards.

This Commercial type of European Black Natural Olives has been traditionally produced in Greece for decades, with olive growers collecting them manually, by handpicking the naturally ripe black olives daily from the olive trees, to be transported to the processing plants, where the commercial black natural olives are exported to the United States and other worldwide markets.


In addition to the mandatory labeling of the “Black Natural Olives” on their packaging, European Black Natural Olives can be easily be differentiated when checked closely with the naked eye. One can easily see that the olives are all a bit different in color between them, and have minor defects, as anything handcrafted-handmade are never the same between them, such as in shoes or clothing, so it goes with Natural Black Olives, they are never the same amongst themselves.

European Black Natural Olives from Greece offer great benefits as they retain their original nutrients, in comparison to artificial processing techniques applied by other olive producing countries to Black Olives that greatly reduce the olive’s nutrients.
 
The Greek olive industry is optimistic after the Office of the United States Trade Representative exempted Greek olives from the latest round of Retaliatory Tariffs on the European Union. Commercial Black Olives, like those imported from Spain, were hit with a 25% tariff, opening opportunities for Greece to increase its presence in the US market.

Source: Success Plan Media

For more information: www.pemete.gr 

                                   www.oliveyou-eu.eu

Picture Credit: Pia Sornpaisarn

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Ματίνα Λαμπροπούλου, μια διαφορετική ζωγράφος

Η τέχνη για την Ματίνα Λαμπροπούλου είναι παντού και θα έπρεπε να είναι παντού. Από την είσοδο του σπιτιού της, ως και τα απλά αντικείμενα που 
χρησιμοποιεί στην καθημερινότητα της. Από πολύ μικρή ηλικία συνειδητοποίησε ότι η ζωγραφική ήταν αυτο που την εξέφραζε και αγαπούσε. Μαθήτευσε στο πλευρό του ζωγράφου Τάκη Σχοινά, και έπειτα στο εργαστήρι του Θανάση Μήνη μέχρι και το 1998.

Παράλληλα ακολούθησε τον Κλάδο Εφαρμοσμένων Τεχνών από όπου και αποφοίτησε το 1997 για να συνεχίσει τις σπουδές της ως Τεχνικός Διακόσμησης Εσωτερικών και Εξωτερικών Χώρων. Από το 2001 έως το 2006 δάσκαλός της ήταν ο Κυριάκος Λαζαρίδης στο Αμερικάνικο Κολλέγιο, ο οποίος την έβαλε στον κόσμο των μεικτών τεχνικών ζωγραφικής, αλλά και στον δικό του καλλιτεχνικό κόσμο ως βοηθό στο εργαστήριό του και σε αγιογραφήσεις ιδιωτικών Ναών.

Ο Γιώργος Αβραμίδης μιλάει στο kallitexnis.gr

Η πρώτη επαφή του με την τρομπέτα ήρθε σε ηλικία μόλις 8 ετών στα Γιαννιτσά, όπου και γράφτηκε στη φιλαρμονική ορχήστρα του Δήμου και στην τάξη της τρομπέτας του Δημοτικού Ωδείου. Η τρομπέτα τον κέρδισε εξαρχής και έμελε να του καθορίσει την μετέπειτα πορεία του.

Το 1998 έγινε μέλος της ορχήστρας της ΕΡΤ Βορείου Ελλάδος και στα επόμενα χρόνια συνεργάστηκε με πολλούς γνωστούς καλλιτέχνες και διάφορες ορχήστρες, όπως την όπερα Θεσσαλονίκης και την Δημοτική Ορχήστρα Θεσσαλονίκης. Το 2004 έγινε μέλος του μουσικού σχήματος «Επισκέπτες» του Γιάννη Αγγελάκα. Κατά τα έτη 2010-2013 συνεργάστηκε με τον Δημήτρη Μπασλάμ και τα μουσικά του παραμύθια με αφηγητή τον Αντώνη Καφετζόπουλο.