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I know there is a ton of confusion and questions for business owners. I, at least, have this for us now. I am happy to help as more information becomes available and credible. Please review the documents, but they're simply resources for Small Business Owners on what to do to start the process of trying to acquire a loan from the SBA as part of the recently passed stimulus package. I hope this email finds you and your loved ones happy and healthy. If I can help with anything else please let me know. We will all come through this together. If I can help support your business please tell me. I will do anything I can including reminding people to use services of people I know and trust! Be well, Ivan Palomares Financial Advisor, Edward Jones Investments 8146 W. 111th Street Palos Hills, IL 60465 Work: (708) 974-1965 Cell: (708) 710-8989 THERE IS NOTHING MORE IMPORTANT TO US THAN UNDERSTANDING WHAT IS MOST IMPORTANT TO YOU!
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Thank you Russ Caforio, for this valuable information:  Susan Kelbus Independent Associate LegalShield Certified Identity Theft Risk Management Specialist Group Benefits Specialist Small Business Specialist CDLP Specialist 630 605-1029 skelbus.wearelegalshield.com The new CARES Act complicates payroll, even giving you flexibility to make only partial payroll tax deposits. You will probably want to have a payroll company help keep track of these intricacies for you.
Create a 3 month Cash Flow Projection. Hire someone versed in HR Update your policies, if necessary. Create an Action Plan of what tasks need to be completed, by whom, and by what date for you to be ready to reopen Consider retirement plan modifications: + You or your team may be able to borrow from the Plan + You may want to freeze your plan (if a DB plan) or consider a partial termination + You may want to change the 2019 or 2020 profit sharing contributions LONG‐TERM CHECKLIST Set your 6‐month, 1‐year, 3‐year and longer goals. Make sure this includes business and personal savings goals so you are better prepared for a future decline in revenue. Create a 1‐year Cash Flow Projection or Budget. Review once a Quarter and make modifications during the year based on team and income or expense changes. Go back three years using month to month to predict cash flow to view business trends (business cycle). Susan Kelbus Independent Associate LegalShield Certified Identity Theft Risk Management Specialist Group Benefits Specialist Small Business Specialist CDLP Specialist 630 605-1029 skelbus.wearelegalshield.com  By rajtechnews • In Technology Technology You use your phone for several hours a day, including when you’re checking your shopping list at the store. And studies have found the novel coronavirus may be able to survive on some surfaces for up to and maybe even longer than nine days -- and that includes your beloved phone. This is the device you handle constantly and often press to the side of your face, which means that any bacteria, virus or other germ that makes its way onto your phone or case could easily transfer to your skin. Washing your hands the right way can help keep you and your loved ones from transmitting the virus, but what about cleaning your phone? The good news is that disinfecting your electronic device has officially become easier. Apple says on its website that you can safely clean your iPhone with disinfectant wipes, like Clorox sheets. Samsung added to its website you can use an alcohol-based solution (70%) and apply it to your phone with a microfiber cloth. However, there are still cleaning agents and techniques to avoid. While you might initially see good results, these harsher methods can eventually damage the screen (or possibly the internal components) that you’re working so hard to protect. We’re going to tell you what products to avoid and the best ways to disinfect your phone and clean off fingerprint smudges, sand and lint from the ports and tenacious makeup off the screen (hint: never with makeup remover). We also tell you how to care for phones rated for water-resistance. And here are nine more practical tips you can use to help limit your exposure to coronavirus. Disinfect your phone: Wipes, not pure alcohol If you touch your phone after touching a public door handle or grocery cart, you may immediately think to clean it with rubbing alcohol. Don’t. Straight alcohol can strip the oleophobic and hydrophobic coatings that keep oil and water from damaging your display and other ports. Some websites suggest creating a mix of alcohol and water yourself, but it’s crucial to get the concentration right. Get it wrong and you could damage your phone. The safest bet is to use disinfectant wipes that contain 70% isopropyl alcohol to clean your phone screen. In the past, we were instructed to not use disinfectant wipes on our phone screens, but now Apple says it’s OK to use Clorox Wipes and others with similar concentrations. AT&T’s recently revised cleaning guidelines suggest that you “spray a nonabrasive or alcohol-based (70% isopropyl) disinfectant directly on a soft lint-free cloth and wipe down your device while it is powered down and unplugged.” An earlier version of the company’s post suggested using paper towels, which are far too abrasive (see below). After we reached out, AT&T has since changed its post to reflect the soft cloth. Samsung has also recently said you can create an alcohol-based solution of 70% ethanol or isopropyl alcohol, applied with a microfiber cloth. Another option for day-to-day cleaning is investing in a UV light, such as PhoneSoap. This UV light company claims to kill 99.99% of germs and banishes bacteria. As far as we know, it hasn’t been tested in relation to this strain of coronavirus.  One partner carrier of mine, Firstcomm, is offering remote worker access:  I'm heading to Las Vegas for the Channel Partners telecom conference to meet partners, vendors, and get the latest on the industry. 
Sponsorship/Booth Opportunities at St. John's Lutheran in Lombard for their "Beat The Eagle 5K"1/22/2020 Contact us if you are interested! Aaron M. Landgrave M.Ed. Principal, St. John's Lutheran School 220 S. Lincoln Ave. Lombard, IL 630-932-3196 alandgrave@sjleagles.com  
Tim O'Donohue
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