Medlin Software, Dennis

They may already know, but look into some sort of state funded caregiver payment as well. Can be substantial, and in certain cases, tax free.

I get daily offers of funds, buy in's, etc. For those that watch the AK gold dredging show, Shawn P. found out what it is like to take on selfish "investors". (Investor somehow put the new corp through bankruptcy as a means to cash out the investor shares.) As part of the whole pandemic situation, a couple of my customers was thinking of just closing. But they had a couple of long term reliable employees, and have seemed to have found a way to pass on / sell their businesses. (Neither was all that aware of the ability to hire specialist representation to make such transfers easy, and fair to both parties.) One has a child who wants to keep working in the business, but not run/own it, so they were able to come up with a method to sell to other employee(s), while guaranteeing their child's employment as a non owner. I think both were able to get some amount of ongoing income for their retirement, without cutting the cash flow too much.

The next interim final rules will be published Friday. The amount per owner or employee, if the 24 week spend is used, has been adjusted. https://s3.amazonaws.com/public-inspection.federalregister.gov/2020-13293.pdf

https://www.sba.gov/about-sba/sba-newsroom/press-releases-media-advisories/sba-and-treasury-announce-new-ez-and-revised-full-forgiveness-applications-paycheck-protection An "EZ" forgiveness application has been added. Terms have been updated in STRONG FAVOR of loan recipients. I have not disseminated all changes, but there are already articles/opinions you can find via web news search.

In am not terribly familiar with the FTE calculation, since it is not a concern for what I have to deal with. Maybe pesent a bill/quote for your participation using the 8 week, and an estimate of what it would cost if they decided to use the 24 week. The 5% extra forgiven may not be large enough to wait for, given what it might cost them for you to calculate FTE over the 24 weeks. ON the other hand, if the loan is 20k or more, the 5% is at least $1k, which you could get a piece of for your time, and still leave the employer with more forgiveness...

I had a customer who is "vacationing" via a federal institution. He was preparing tax returns for non-native English speakers/writers, and was altering their returns and pocketing fake refunds. He had the gall to make a death threat against me and my family if I cooperated with a subpoena, even though I had no knowledge of his actions, nor any access to or copy of his records (he was using my payroll software). His threat was via email, which the investigating agency was happy to receive. I think he represented himself in court, proving the old adage about being foolish.

A person has the right not to work. Their action may have consequences, such as terminating eligibility for UI, and not making themselves eligible for FFCRA. Of the many requirements placed on employers, managing employee fear is not one of them.

To get the loan off the books in case it benefits the business operation.

2,3,4. States will be very aggressive on this issue, so employers looking to rehire/hire can reasonable state the job offer and first work date will (eventually) likely be used as their end of UI date. Employers can also, depending on their personal feelings, make "soft" offers to feel out the person's intent. Employers, in states where the C19 UI claims will alter their UI rating/balance, will likely want to very aggressively protect their UI rating/balance.

On a surface 6, I use BL, and facial rec/pass phrase, and the other feature (can't think of the name at present) which restricts certain access to help stop ransomware if I were to do something dumb. I use remote access software, splashtop, when I am not at that computer, this the reason I allow a passphrase in addition to facial rec. The machine has other security features which help prevent any sort of side booting. Security has to start with the hardware and boot process. My hardware does not auto decrypt without proper login, and I can manage remotely, including login and reboot.

I do too. That is why I self encrypt before the data leaves my computer. Most backup services also encrypt, some even with a pass phrase only you know, but I want to know my backup cannot be decrypted by the backup service itself.

Some who get tips have to "turn it in" to a pool of some sort. My reasoning comes from what an unsavory employer did to their employees, one of which, for a short time, was one of my kids. If they were caught not turning in a cash tip, they were fired. Card tips were easier to track at the end of shift, and can be monitored by higher up than the shift manager,, and were tougher for the shift manager to pocket (which was being done with cash). So for me, if it never leaves the server's hands (unless they choose to tip out), I am good with cash. Otherwise, card it is.

Interestingly, at least to me, when I am leaving a tip where I am not familiar with the practices of the business, I use a card. If I know the business (I will ask employees!) gives tips to each person as given, then I might use cash. My idea is I want to make certain the tip get to the person who actually helped me. If they want top tip out to back of house, that is their business. For those who are self employed, such as the person who does my DW and DD's hair, I generally pay cash, as I know what CC fees are. It is not my job to worry about their finances, but I can save them at least 3% in fees. I don;t alter my tip, but they also know I am paying cash on purpose to add 3% to their income from me.

C19 delays?

Main: Every hour, local backup using Cobian Secondary: Daily, local, removable hard drive, and on a secure web server Tertiary: Weekly, local, removable hard drive, and on a secure web server Last resort: Amazon Glacier to hold the files. CloudBerry as the software to up/down the files. --- I use Cobian to manage the files for the backup, creating a single, encrypted file which the various backup processes use. I like to control the encryption myself. Cobian backups into a folder I setup. Then, by backup processes use the files in the special folder only, instead of having to look all over my drives, compress, and encrypt. Since I self encrypt, even if I were to somehow make the files public, they are useless to others. By using a web server I control, I have instant access to my backups. Amazon Glacier is a very cheap storage method. The trade off is it is not instant for recovery (neither are most of the paid online sources, as many use Glacier for storage!) --- The most important thing is to test your backups by trying a recovery. Unless you dig in and self manage what gets backed up,, you will likely find your backup does not have all you need. Online services such as the one mentioned in the OP, use default type settings, which are not likely to get all data you really want to backup. If you do not test your backup and keep notes showing what is actually backed up and can be recovered, you may as well save your time and money for manual recovery, and do not waste it making what will not likely be a usable backup. Even if you never lose data, a good backup and recovery will make it a snap to move to a new computer.

The major difference in the two bills, from what I remember, was 16 weeks vs 24 weeks. For many recipients, the difference is moot. For those who are not really operational yet, 24 weeks is much better, of course. For those who are operational by now, the difference is documentation will be easier (easier on the low level, possibly new bank hire who will be reviewing), likely gross payroll plus rent/mortgage receipts.

Was happy I could just leave a healthy tip for a hair pro. Not that I care how my hair looks, but my DW and DD like to get their hair done, and I usually get a cut when they go. I like to also give two singles, one for each of her kids...

If schoolhouse rock made a comeback, it could make "sense" a little less uncommon...

I do not read the house bill the same way you do. The effective date restriction, to me, applies to the section it is located in, section 2. Section 2 has to do with extending the maturity date for the loan, not the forgiveness aspect. Forgiveness is covered in section 3.

12 weeks will work for some, those who were able to stay open, or reopen on or about their funding date. Appears, at present, to be a negotiation on 16 and 24, which will be better for those who were not able to reopen as quickly, and those who were not able to fully reopen quickly. The longer the magic days, the less important it may be to be perfect with documentation as it could end up just being payroll ledgers and 941 forms, versus documentation for other items which could be left to interpretation by the possibly new hire processor at the lender.

You do not have to actually use a phone and a text messaging program to have SMS (text) communications. You can setup a google voice number to serve as your "text" number, and have those messages forwarded to your email. You can use your email to respond, including storing messages. The only "loss" with SMS is the inclusion of the thread of messages in each reply, which can require a bit more work on your part if you do not remember the conversation.

Possibly new rules next week. House passed a new bill, Senate is thought to be agreeable (subject to adjustments), and President is likely to sign. Whatever works out, or does not, it is best to continue to plan no changes (8 weeks, 75% payroll). Also explore the possibility of 16 weeks, or 24 weeks, and even the possibility of an adjustment in the amount which must be payroll.

It is something which requires active participation in setup and maintenance. You can port your public number to a virtual service, then the number, via the setup in the virtual service, can be set to forward to a physical phone (such as a cell), just made announcement only, voice mail transcribed to email, etc. The VOIP type service "hosts" your public number, and offers setup options as to what to do when someone calls, texts, and possibly faxes your public number(s). The advantage of the VOIP type service is not having to pay for a landline (since we all have cell phones). (There is a disadvantage of no landline during a disaster scenario, as cell towers get overwhelmed, will run out of backup power - if they even have backup power.) Via the VOIP service, I can have whatever physical number(s) I want ring, set hours, and have voicemails transcribed and sent to me via email (including a sound file I can listen to if the transcription was not great). Saving the transcription and sound file is good "evidence" should you get into a "I did (or did not) say that" scenario. Google voice has the ability to record live calls, and IIRC, provides a method of notification so even a two party consent (for recording) state like CA is covered. -- For most, it really is not terribly complicated. Mine is complicated because I often stay at places where I have to use a secondary or tertiary cell carrier, or even a sat phone or just wifi phone. Rather than having to remember to setup and return to normal when I travel, I have a long set of setup in place all the time, forwarding down the "line" until one of my physical phone lines ring or receives a message. So for most, some sort of efax (if needed) setup, plus google voice for voice, text, and answering machine, will be more than adequate

For a free service, with good features, "wash" your calls through a google voice number. In other words, forward your calls to GV and let GV be the answering machine. If you want to answer as well, GV can forward to another number, such as a cell. You could even (I think) port your business number to GV, and just forward to whatever cell or LL number you wish (presuming you want to answer some of the time). GV handles texts in and out as well. I also use VOIPO, as a virtual service, since they handle incoming and outgoing fax as well. While VOIPO offers an actual VOIPO physical phone, I don't use it, as I prefer forwarding. My setups are fairly complicated, as I travel (so I use different cell carriers depending on where I am at). I also like to have an easy to swap option, rather than having a failure cause me to have to scramble. I actually have a check list of steps showing how I bounce things around, with notes on how to change if something goes awry. Public facing fax, is a virtual number (VOIPO), which creates a pdf emailed to me. I can send outgoing fax messages by attaching PDF and using a special email address format (receiving fax number @ a certain domain). $36 per year IIRC. Public facing voice, virtual number using VOIPO. $185 every two years IIRC. Has voicemail transcription (attaches a sound file to an email). Many other options. The one flaw is their ring silence option is in beta. Accepts text messages too, in a similar manner, and allows replying to incoming text messages directly (email send to the text number). I can also forward my public number to another number, or use simultaneous ring. Both GV and VOIPO have ways to have outgoing calls use your public number for caller ID, such as when forwarding to and calling back from a cell or other number you do not want the public to see. If I did not need the fax ability, I would probably just use GV as my "hub". I am likely porting the voice number to GV when my VIOP voice subscription runs out, and just keeping VOIPO for fax.

These days, with the way many people think, having a printable trail is not an option. Voicemail transcription to email is handy. Not always accurate, but reasonable, especially since the sound file is usually attached.