Louisville Community Newsletter #753

•••April 1, 2020•••

History of April Fool's Day

It is speculated that April Fool's Day began in 1582 when France switched from the Julian calendar to the Gregorian calendar. People who continued to celebrate the beginning of the new year on April 1st instead of January 1st became the subjects of jokes and hoaxes. A common joke was to place a paper flower on a persons back, that person was then referred to as a poisson d’avril (April fish) which symbolizes a young, gullible person (easy to hook a fish.)  Information courtesy of HISTORY.COM

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We are open!

AMERICAN FAMILY INSURANCE - TERRI L SCHOLTING, AGENT
132 Main St, Louisville, NE 68037
Office: 402.234.2504

We are open. We aren’t shaking hands & we are social distancing but we are here, fully staffed to help with any and all insurance needs!

www.tscholtingagency.com 

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Witte Physical Therapy  is now offering Teleheath services

www.wittephysicaltherapy.com

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BUILD Meeting Cancelled

Due to concerns over the spread of COVID 19, we are cancelling our April 7th meeting. We look forward to resuming our monthly meetings as soon as safely possible. Stay safe and healthy!

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Click here for a form.

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New www.CassLocal.com - Simple Numbers

Open for Business?

Please add your Business to our List CLICK HERE 

Please add Your Church or Non-Profit CLICK HERE 

1 in 5 Nebraska people that receive their Corona Virus Check next week is fortunate enough to not have any real pressing need. Many of these people want and would help small businesses, but there is no obvious (and non offensive) to invest and support.

There is a better that 3 times benefit to the Community, for every dollar invested in the Survival of the Small Business Community. Small Business Owners, with shuttered Doors need cash now - to retain critical employees, pay rent and cling to their customers.

With that in Mind: We Launched CassLocal.com We need all Small Cass, Sarpy and Otoe Businesses to add their information here

We really Encourage all small businesses to get a Square acct - so the can offer Gift Cards ( Video ) and/or a PayPal Donate Acct

Gift Cards may seem unusual for a small mechanic or plumbing firm, but the idea is simple: Critical Cash injection now, wonderful goods and services later.  Any Business, with a Square, or PayPal acct - can offer it in their CassLocal.com listing and the navigation of the site will change as the numbers, and kinds of businesses develop.

Bottom Line, is we need Businesses to Join Here - and Churches / Non Profit Organizations Here

Nebraska helping Nebraska - we do not have to wait for the Federal Government, lets just Get"R" Done!

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Louisville Care Center is restricting all visitors

CORONAVIRUS HEALTH ALERT

We are NOT allowing visitors at this time. We deeply care about the safety of our residents and staff.
Please, use other methods of communication to connect with your loved ones.

Thank you!

Call #402-234-2125 for questions, concerns or emergencies

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Congressman Jeff Fortenberry

First District of Nebraska

FOR RELEASE:

March 27, 2020

Contact: James Crotty, (402) 570-2708

James.Crotty@mail.house.gov

Fort Report Column: Coronavirus––Your Questions and Answers

By Congressman Jeff Fortenberry 

The Cares Act just passed Congress to help individuals and families, small businesses, and our health care system overcome this pandemic.  Given the rapidly changing dynamic in our country around coronavirus, I put together the following list of answers to frequently asked questions about the new law.

INDIVIDUALS AND FAMILIES

Will I get financial help from the government?

Most Americans will get a check or direct deposit of $1200 per individual, or $2400 per married couple, with an additional $500 per child (for incomes below $75,000 per person or $150,000 per couple).

How soon will I get my money?

Payments will be sent out “as rapidly as possible.”  The Treasury Secretary expects the payments to start going out in three weeks.

Do I have to pay income tax on this check?

No.

I am on Social Security.  Will I also get this payment in addition to my Social Security?

Yes. 

What about my IRA?

There is a temporary suspension of required minimum distribution rules for older Americans. You can also withdraw funds without penalty for coronavirus-related expenses.

I have lost my job.  Now what?

Unemployment benefits have been significantly expanded, including for the self-employed and independent contractors.

When are taxes due?

Tax filing and payment are delayed until July 15. 

Do I have other options besides unemployment benefits?

Yes.  One option is for your employer to take out a loan to pay your salary and benefits. 

SMALL BUSINESS

How is the help for small business being delivered?

The main program is an SBA-guaranteed loan with deferred interest and payments, plus loan forgiveness for employee retention.   

How does the loan forgiveness component work?

This applies to businesses that keep their employees on the payroll from February 15^th through the end of June.  The portion of the loan covering payroll costs, mortgage interest, rent, and utilities is forgiven for an eight-week period.  There is flexibility for those employers who laid off workers and then re-hired them.

I am a business owner.  Does loan forgiveness apply to my salary?

Yes, within limits

Who is eligible?

Businesses with fewer than 500 employees and private non-profits – 501(c)(3)s.  Health care providers are also eligible, no matter how they are structured.

What is the loan limit?

Loans can be as high as $10 million.

How do I apply for these loans?

Go to your bank or credit union.  Your financial institution will primarily run the program, not the government.  However, the SBA.gov website has a lot of good information.

Are contractors and sole proprietors included?

Yes. You are eligible for the loan and the forgiveness portion of wages paid to yourself.

How long will the SBA loan review by my bank take?

Due to the unique nature of this situation, the lender can process, close, and service the loan without an SBA review. 

I am a farmer. How does an SBA loan help me?

The bill includes a number of small business provisions designed to help farmers stay in business. This includes a provision that allows farmers to work with their trusted farm credit institutions for the purposes of securing payroll tax loans, along with 1-year deferrals, 100% guarantees, and low rates.

I don’t want to take out a loan. Is there any other help I can get?

Yes.  Grants of up to $10,000 will be available to cover small-business operating costs.  The process will be announced shortly by the SBA.

What is the employee retention tax credit?

Employers can temporarily receive a 50% tax credit on wages up to $10,000 per employee for anyone kept on the payroll.  Employers are eligible if their business was closed due to government shutdown or if they suffered a revenue loss of at least 50%.

Are taxes delayed?

Yes. Payroll taxes are delayed until 2021. Tax filing and payment are delayed until July 15.

My credit score is not exactly stellar.  Can I still get a loan? 

These are exceptional times and making sure you and your business stay afloat should be the most important priority.  See your banker ASAP.

My business is doing fine right now, but I am worried about what will happen in the next weeks and months.  What should I do?

Go to your financial instituion.  Banks and credit unions are the primary portal through which loans will be released.  You don’t have to be idle right now.  The intention of the legislation is to keep you working.

I have not been in business for a year.  Can I still apply for the loan?  Can I use it to hire someone?

Yes.

Can my bank delay my existing loan payments?

Yes. 

HEALTH CARE

If I get coronavirus on the job, are my medical costs covered?

Yes.  Your medical care will be covered for coronavirus. 

If I become unemployed, what happens to my health insurance benefits?

Existing COBRA insurance rules still apply. 

Will the loans my employer uses to keep me employed also cover health insurance costs?

Yes.

Should I get tested?

Testing is free.  Contact your medical provider or state and local health department on if, when, and how to get tested. 

Can my doctor treat me over the phone?

Yes.  The bill greatly expands the option of using telemedicine for health care treatment. 

Please note these answers are intended to provide basic clarity––some aspects of the law have additional requirements.  I hope you find this information helpful.  If you need anything, my staff and I are here for you.

Congressman Jeff Fortenberry is the Ranking Member of the House Appropriations Subcommittee on Agriculture, Rural Development, and Food and Drug Administration (FDA) and a Member of the House Appropriations Subcommittee on State and Foreign Operations.

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Bring the family for a fun night of LIVE entertainment!  Come to dance or just sit back and enjoy the music!

ALL SHOWS CANCELED TILL FURTHER NOTICE!

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'2nd SUNDAY JAM SESSIONS':

JAM SESSIONS CANCELED TILL FURTHER NOTICE! 

For updates call 1-800-480-8797, ext. 211 or drop us an email at cornhuskercountrymusic@gmail.com.

Cornhusker Country Music Theater, 211 Main St, Louisville, NE, is a nonprofit, 501 c 3, organization
Like us on Facebook @ Cornhusker Country Music Theater.

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Louisville School Bond Overview

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Louisville Community Poster - Download (Click Here)

(download and post this Poster, Text a Picture of it to 402-968-0821 - get $1 via PayPal - limit 1)

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Click Here to Sign Up for the Wednesday Morning Louisville Newsletter

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