 Hi, Tom Stewart here with cleaning business today. I'm with my partner. Let's try her. Hey, Liz. How are you? Who's your partner and who's not part of your shoulder? That's Olivia. Olivia. That's a pretty Olivia. Yeah, she'll she'll pop her head up and she'll jump down at least once or twice probably knock something over Yeah, and she has to go outside and go out of my office and then she paused the door until I let her back in again Yeah, she loves it up there Well, it's Monday, so we had the opportunity to make it through another weekend I hope that you guys were able to shut it down for a little bit and get some rest refocus and Think about something other then, you know When's my PPP money gonna get here? Is there any more paperwork? I need to fill out What more do I need to be doing to? Get ready for Paid sick leave or the paid failing medical leave act. What's the acronym for that, Liz? Um I forgot now Families first FF families first our CA FF RCA. What does that stand for? Yeah, families first response Corona virus something a Okay Payton Actually, I think it is CRA yeah Yeah, CRA families first Corona virus response So we're gonna I Guess have time to take questions and talk about about all of that but Before we start I just want to kind of revisit what we did Friday. We had a Real quick. I'm gonna just interrupt real quick Sarah I know that you're asking about the PPP got approved coming in that is what we're going to talk about today Just spend a little bit. So don't worry. We are gonna get to that. Go ahead Tom. Yeah, we're here. We're here all week Oh Friday was one of the at least in my opinion one of the best Facebook lives we've we've done since we've been doing the Corona virus smart business moves We had Sharon grammar who has a company called Benacor they do Biohazard recovery work, which Means they could be cleaning up meth labs. They could be doing up crime scenes. They could be doing anything where there is a Biological risk to The cleaning technician as well as you know other people in the space She shared I Don't say everything. I mean there's a whole lot to learn but she shared a ton of stuff last Friday That anybody who is Interested about doing that type of work should take an hour and listen to to her perspective on it or if you're out there Just thinking about getting a fogger or you know getting some of this equipment and getting out there and Doing some of this type of work. I think it's you you want to listen to what what Sharon has to say She shared things like What the insurance requirements are if you're doing that type of work you need to Basically talk to your insurance company and they have a different scopes code And you're going to be paying a different workers Comparate for doing that type of work than what you would be your your traditional Maid service a much higher rate. Yeah. Oh, yeah, very much higher great She talked about you know all the PPP they need to wear she talked about training She taught us where to get the training and actually the Association that does the training for that that she's used I put a link to their website and our cleaning business today Resources page so we look at that at the end and if you want to know more about them You can you can certainly go there and look at that She told us what she charges for her service and how she charges for her service She told us about how she pays her people. I mean There's a pretty good place to start if you're interested in and doing any of this type of work she was very generous with with with with giving us the real skinny and We asked a question, you know a 2000 square foot home three-bed-two bath How what would you charge to clean that if you know the scope of work was hey We had somebody living here that that has corona virus We want you to make it safe for for other people to go back in and she did some my back of the envelope Nathan was thinking about it and came up with a number. It was over $4,500 Tom I have to I have to clarify though if you remember I asked her is that only for level three? And she said no that would be the price level one two or three Yeah, because that would be she would basically treat it like it was hot at the highest level. Yeah. Yeah and Liz and I after the call were chatting a little bit and you know, we know, you know People that are doing some of that type of work. I mean, we you know, you know It's hard, you know any time you're charging anything in the high hundreds We think that we're charging a lot of money. We're just doing a service, right? and we're kind of You know, it's all we needed there's a reset on the bill rate for that. Then again, I mean, she's got training She's got two credentials. She's got all the equipment. I mean, she's she's playing She's playing a different a different game in a different level. Yeah, that's totally true So people are constantly asking, you know, what's the pricing on this stuff and You know, how do you determine the pricing and Sharon didn't say if she was top-end Dollar or not. She didn't give us that info. We know I mean, she would have told us we just didn't think to ask But I got the impression that she was sort of on the higher end but not the highest and either and I Know when people are talking about I've got a fogger. How much do people charge for this? You know that that's a really a tough tough Question it's a tough question, but tough answer to You know the take the takeaway that I got from that though is part of it is having the equipment but part of it is having the The pedigree the references the training and everything that goes along Yeah, I'm not gonna be able to start advertising that I am can can do this type of work I can fog your house for $4,500. I don't have nobody's gonna hire me But when Sharon says that she's gonna charge $4,500 to clean your house and tells you why people are hiring her so many people that she's So busy she can't do all the work. Right, but so I think it's again Somebody this is somebody else's term not mine But he said that in in this space. We are like the trunk slammers of our space No, we're not getting all of the correct certifications. We don't have all of the correct We just don't have all the stuff and we don't have the knowledge We don't know what we're doing, but we're out there with our foggers and our gloves Or like we're ready We can do it the same as anybody else and yeah You know, I'm sure that to We're the bane of of the professionals Existence in some ways, but I'm sure that in some ways they also look at us like yeah, I'm not really my competition Go ahead with your little fogger. Go do your little thing, but So it's it's tough Up and Sarah. Oh Heather Heather. Yeah, congrats to so Sarah. She got her pee pee pee money. I Know it's quite a few people now Sharon we're hearing with us one of her recent clients. You want to Frame up for everybody like the type of client. She's working for and the important work that she's doing It was The utility company in st. Louis hired her they had COVID-19 breakout and It was she's doing everything from like the the power that the trucks that the linemen drive To actually going inside the control room where they're turning all the knobs and levers It got me thinking and we started watching Chernobyl Last night the I don't know if you've seen that remember it. Yeah and We asked her you know, these are nuclear power plants and she didn't answer one way or another I don't know. There's maybe some proprietary stuff there, but I guess you you need to be careful where you're spraying your stuff but anyway she's keeping the lights burning in st. Louis and It's just just Incredible incredible stuff that they're doing out there She mentioned the counter indications So that are so key EPL who don't have any idea are out there using their father's etc. Yes, she totally talked about you know people not knowing what they're doing and going out there One thing that I noticed about Sharon too is She talked a lot about safety, you know, you can tell that it was a really big deal for her that everyone is going to be safe and Nobody is going to have any any kind of There isn't going to be any Any accidents nobody's going to get an infection or get sick or they weren't following the right protocol Yeah, they they wear like three pairs of gloves and To Exutes I mean to me that that was amazing. I've never heard of anybody wearing two type of exes and two pairs of booties So Yeah, shoe covers, sorry Yeah, so she yeah, they're very and also I like how She was talking about how they all go in she doesn't like to split up her people she likes to keep them all in because they work so well together like a real well oiled machine and How you know different people have different jobs and that's what they do every single time they can count on each other so it was It was really interesting to listen to what's Heather say over here. I'm working at educating myself with regards to foggy I'm not doing anything with it till I feel secure. I will market for disinfecting cleaning I have worked on educating myself and team since this all began Yeah, definitely a lot of education needed and a lot of And I guess like an insurance case. She does have what you called the pedigree Tom, you know, she has to train me She spent the money. She's put in the time also and she's not not not just COVID-19, right? She's been cleaning up which she mentioned some meth meth labs and Crime scenes and she's she's been doing a lot of other stuff. So to her this is one more dangerous thing But I got the impression that it wasn't more dangerous in her world because the the protection and the precautions that they take In her world, it's just as dangerous as anything else that she's doing Which I really really liked The way she explained it, you know, there's like three levels of hazard But she approaches every job like it's the highest level So it really doesn't matter when she's getting into her two Tyvek suits with the three pairs of gloves and the respirators and all of that stuff it's game on and You know, it's kind of like Superman putting on his cape. I guess it's You know, it's all dangerous, but you know, she's she's okay with it because because she knows what she's doing Yeah, and I you could I think that though The level of seriousness that was around it made a really big different or makes a really big difference She made a big impact on me Um multiple times she would mention just small things like somebody's getting overheated They don't want to have to have to stop because it's such a huge process to To take off their PPEs and then to have to put them back on again And then if they're going to take a break she wants them to take a minimum of a half hour for break Because they're going to be going through this whole big process. She wants them to be well again So I I thought that was really interesting too. And and what did she say that they take? Electrolytes. Yeah electrolytes Gives them a little more Just said too Yeah, Heather and me too Heather like she was amazing, right when we actually after we finished the live Tom and I were almost like giddy schoolgirls like oh, she was amazing Like what kind of like gosh This is really a great call and Like he said a lot of it was safety and we were asking about fogging and you know, there's people out there Were like the M95 respirators and she was kind of She wasn't impressed with that in terms of the proper level of protection if you're going to be fogging a disinfectant No And that's another thing. I'm glad you said that um That that was another aspect of it is people are going in with fogging and She's protecting her people not only from the COVID-19 threat But also from the threat of the disinfectant and the chemical that they're using so I think that's maybe an um An under looked at thing people are going in and they think okay Everybody's out of this house and I'm going to fog it and I'm going to make it safe But are you really protecting your people from what they're doing even if this house was empty this building was Has been empty for 14 days and nobody's been in there Maybe the threat is not COVID-19, but the product that you're actually using she um She mentioned a couple of different products and I can't remember what she said about them now One of them she thought wasn't wasn't as good as the other though. She was glad to find that out So even at her stage still learning Oh, sorry. I'm not even kidding up there So I guess bottom line takeaway if you if you missed Friday I mean we do these every day and some of them if you missed it. Hey, you're probably Okay, just watching, you know the next one and you know It's as things change a lot of stuff that we've done in the past There's a worth going back and watching quite frankly because everything we were talking about is completely changed Sharon's Discussion on Friday though is is as well worth the watch if you haven't seen it I would encourage you to have I can do that Yeah, um Do we have uh, I see some some some folks chiming in here. Um, did I see uh, sarah says she's got her PPP money? Yep She's the only one that has said that so far. Actually, she didn't say she had her money She said she's supposed to get it this week. I'm pretty sure Let me go back and look You know, um, I guess that's been been happening We've we've heard from from several people that they're In the process and talking with the bank and have closing set up and Are expecting uh disbursements here sometime in the uh in in the short term um exciting stuff I um Have a friend not in the cleaning business. He uh, Owns an electrical contracting firm up in northern virginia Send me a letter that that that came from his bank and He's gotten approval and he's going to be getting his money later this week and The letter said that, you know, it's optional completely right to him But they highly advise all of their their their clients who are getting these PPP funds to set up a separate banking account and put those funds into that account and Disperse those funds out of that account for the things that are approved to be used without money If your objective is to try to get as much of that as you can uh forgiven and treated like a A grant and the note went on to say that They don't have a lot of details, but but they have good reason to believe that the documentation process Is going to be onerous is the term that they used very onerous with the irs to have those funds Treated as grant monies so I don't know Exactly what that means, but that's interesting information to have and kind of made me take pause because i'm Thinking well, I can keep up with the money. I just do it in quick books Don't need to go to all that trouble. I'm not recommending What we do at the moment. I don't know enough to say one way or another but that was what one bank was was was recommending to a business owner that I know Well, I would recommend it. I'm nobody I'm just your friend. So as your friend. Yeah, heck. Yeah, get a separate account. Why not? What's it gonna hurt you? Right? Um keeping it separate is just gonna make it easier no matter what If you're really like a CPA yourself and you are on top of your finances You feel confident that you can keep all that stuff straight. Okay, great. Maybe not but everybody else everybody. I know Y'all need a separate account Sarah's got a lot of questions here So she's saying she's confused on what to do now She doesn't know if she can get her february employment february was uh or get up to our february employment february's record High for us for revenue and employment um I'll bridge it to get in this separate account. Good job, Bridget Can I pay my working employees a bonus there? We're gonna deal with all these all it's kind of at once when I read them all real quick Is there a time period I'm using the ppp money? I know we need to be full operation eight weeks But does that mean the money needs to be used within eight weeks? That's a little bit off That's not quite right. We'll we'll clear that up a little bit And sarah, do I just make up a lot of busy work for everyone? Can I put my husband on the payroll? All right, so first let's clear up the the one that denit has on here real quick tom That's okay So denit you have to use your ppp money within It no, sorry Okay, so you're going to get your ppp money and any monies that you use From the time you're funded for the next eight weeks. That's where the eight weeks is coming in those monies will be What's the word tom? forgiven They'll be treated as grants provided you meet all the criteria necessary To qualify for that Yeah, which is why keep the separate account. All right Thing either it's it's it's it's prorated if you hit certain numbers and it's all driven off of Getting back to full employment So in the so that the thing that you're talking about with june 30th That's that's when you have to be fully operational by june 30 Okay Yeah, it's been explained To to me from from course. I think as good as that June 30th date is it's kind of arbitrary. It's it's really for that just that eight week period You need to get back to full employment Okay, so yeah, I have different information Information that I've gotten from my CPA is and I don't know where you've gotten yours. So Again, we have different information So you guys need to do your own research on this right and make sure that you know what what you're what what you're doing So the information I got what I read was that you have to be fully Up to staff by june 30th to be able to get that money all of that money Um Forgiven and if if you're not by june 30, this is just what I heard if you're not fully up to staffing levels by june 30th Then it will be What's the word it turns into Well, it's gonna be prorated. Yeah prorated. Thank you It'll be prorated for however much that you you did get In the money you're in the money's you're talking about being Turned into a grant or the money's you spent During that eight week period for payroll In some of the other allowed operating expenses. Yeah. Yeah, there's a few other things there But only for those things If you don't if you're not You know, if you're not hiring your people back, you're not spending the money. So even if you Get back to a point where you qualify for those monies being turned into the grant It's only the money as you spent. So if you didn't spin very much of it, you still have a chunk of money that's Going to be treated as a loan Right, which is why people want to spend as much of that as they can As long as it's there's some type of value right to somebody Which gets into the question. I think one of the questions here, you know, do I Make up a lot of busy work for everyone That's a Interesting strategy and I don't you know, it's it's a risky strategy If you've got if you're just paying people or not producing any revenue Then if that gets you to the point where you qualify for like a hundred percent grant All of that you don't have to pay back. That's great but This whole onerous process that you might have to go through to prove to the irs that you met their requirements if you Don't meet those requirements because of Who knows what because quite frankly the reason we don't know is The rules haven't clearly been defined yet. Yeah They said two more weeks until those are even defined So we're guessing to some degree Um So if you're wrong and it doesn't turn into a grant Then you spend a whole lot of money that you're going to be expected to pay back that you'd ever really got a lot of value out of So i'm going to another question that sarah had can I put my husband on the payroll? So one of the things that looks pretty clear is that you don't have to have the exact same people You just have to have the same level of of labor so I I don't know there is nothing written right now about whether or not you can put your family on the payroll or if you can Just put any random people on the payroll. I don't know um The way it's written currently is just so um Low level That it doesn't say you can't looks like you could but what if it In two weeks when they have much better parameters There's something along the lines of somebody who would normally be working in this profession or You know somebody who has worked in this field before or has a legitimate I don't know. I just feel I feel like that that again is kind of risky So if you have a high tolerance for risk maybe If you don't maybe not and I think part of These questions you're asking we're all asking I'm asking Liz you're asking If it makes good business sense you really have nothing to lose I mean, there's legally no reason why you can't put your husband on the payroll But now Is that money going to be treated as a grant or not? I don't know I mean, they're not going to lock anybody up for that. You can put anybody you want on payroll You might not be able to have those monies treated as a grant, but You know if your husband is doing something productive, that's great and You know, even if he isn't if he's your husband and those monies are going to your You know your your family benefit in some form or fashion. I guess that's not the end of the world either Yeah So and my husband is on my payroll. So I would feel fine like cranking up his hours a little bit You're not working at your other job. Come on. You're working more here I'm Linda. I have the same understanding that you have Linda Caveso sets Her comment sounds the same as mine And my I have my kids do do various things for me and they're typically on my payroll and You know, I laid them off a month ago and said you're still going to continue to do work for me But you're not going to get paid for it. I'm not sure you should be saying this on my facebook. Is that even legal? I guess it's there your kids It's fine. They can do that Um, that is a good point though. But anyway, um We might start paying them again once our ppp money gets here Yeah, um, I think that since they've been on the payroll before tom and my this is just me, of course I know nothing but I would think that that Would be looked at favorably these are These are employees that have been employees in the past and brought them back. Yes They also happen to be related But you didn't bring them back and give them money just to I'm worried about this idea of Taking advantage of the system There are so much upset from the way things were handled last You know time we had a big bailout and that you know So many people took advantage of the system and large companies and what they did that I think that there might be a little bit more focus there this time. So I'm I'm concerned about that Hey, tom, you see what um how there says over here. They must be employees for 30 days, correct? I haven't heard that. Have you heard that? I haven't I haven't heard that either heather if you have um anything that would show Um, where you heard that where you saw that especially something in writing that came from somebody that'd be awesome If you could share it that'd be super helpful there's there's a lot of a lot of interesting scenarios here because we're gonna have people who Aren't going to be able to come back to work because they've got kids and They don't have school now In most cases a lot of cases. I don't know school open public school open anywhere Not that I've heard of yeah, um most daycares She really wants down. Yeah, if I saw what heather, you know asked and all I can see is your cat um, you know So We're gonna have people who aren't going to be able to come back to work. They're going to be looking for the paid family leave at the ff P Yeah, okay, um so That's to no fault of ours but so Do those hours count towards? You know your your ppp numbers because they really don't work but they can't work because they got to take care of their kids And they're doing the paid family medical leave thing by the way You get you have you pay them for that, but then you get the tax credit. So you get that money back every quarter We did we did ask the question and we got clarification that you can't double dip on that you don't get Ppp dollars for that plus the tax credits How that's just still trying to figure out exactly how all that's going to work and Which is why I think that that is going to be some just nightmarish reporting Yeah, all that stuff's going to be reported But when you when you get down into To to that level then you start trying to figure out Okay, I need to get back to full head count, but I might have You know a material Number of my people who are doing the paid family medical leave act thing To get back to full employment. I've got to replace them and they don't have to be the same people I mean we've seen that multiple places. Yeah, I can hire new people But you know They're starting off day one. So Yeah, how does that work? I did want to reference another question that somebody asked earlier and I think it might have been sarah About bonusing people um, so I know that I I from for my company I've been looking at some ways to potentially like what is the smart way to potentially bonus some people because uh, I I do see that if I'm going to have more people back here working and they You know, I'm kind of competing with unemployment In some ways So I'm looking at how um, I might I might do that And if you look at the weekly pay you're losing Yeah, of course So, but I mean there there's other pieces that they're also going to have jobs, right when They're talking about 30 unemployment potentially and at the at the when this all sort of blows over to The what the beginning stages at least At least those people would still have jobs. So maybe then I'm making quite as much money, but I would I am looking at how I can take advantage of the ppp money at least for those eight weeks And be very clear that this additional money would be for this eight week period And just just deciding how to structure that how how should that bonus Right now what I'm looking at Is a bonus that is on top of some guaranteed pay maybe So if you work Maybe 35 to 40 hours, you'll get bonus this amount of money, you know, maybe $500 if you work You know 25 to 30 hours. You're going to get bonus 300 if you go, you know, something like that That's what I'm looking at currently not not to say anybody else should do that. I haven't decided on that It's like that's just what I'm thinking about right now and Break that out as a separate number. So all your employees understand that that is A special, you know, a special temporary thing that's that's going on and it doesn't get lost and You know, and I would actually not even say that I'm giving it to them I would say that it's money that the government is providing So that so that it doesn't come back on me when I have to take it away, you know, that's the government What Tom? Yeah, I like that the government's not giving me that money anymore Yeah And so being really clear about where it is and listing it on the you know on the On the pay stub of what this money is for and where it came from, you know, all that kind of stuff Here's the here's the good news for that though if Those payroll dollars are going to pay people who are generating revenue or making money for you Even at the end of the process if you find out that you don't qualify 100 The odds of qualifying at some percent that's going to be enough to at least make up for that premium Is going to be yeah, that's what I'm thinking too. It's got to be able to make up for that so Let's see Nina had mentioned something she said only to get the COVID-19 pay and I think I'm not exactly sure what she means by COVID-19 pay But I think she's talking about Actually, I don't know what she's talking about If you could clarify what you mean there Nina, I think you were specifically talking about The employees needing to be working with you for 30 days. Are you talking about for the Federal Unemployment money the 600 dollars maybe I'm not exactly sure what that is maybe clarify that for us We went past it kind of quick and I missed it Um Nina the government gets to audit our businesses Yeah Yeah, that's the goal for a while She says the 30 day number. Yeah, I'm just not sure what you mean by the 30 day number, you know, maybe Type out a little bit more there Um, Sarah says that's what I wanted to do since we still have revenue coming and PPP It seems like I could do that, but I want to make sure Yeah, right now. Unfortunately, Sarah. There's not a For sure option for a lot of this stuff just because everything hasn't hasn't been solidified hasn't even been written yet so uh, all we can do is kind of You know our our best guests and best odds What are the things that are going to help you the most and keeping in mind That if you make a mistake, you have the protection of the masses that tom always says which I really appreciate And they're not expecting that everybody is going to get all of this, right? So you're not going to jail. You're not gonna it's not going to be a terrible thing that's going to happen to Uh, you may end up having to who knows maybe get some give some money back at some interest rate or something but it's not going to be highly punitive because that's exactly what they're trying to get away from And and then don't forget that we do have that extra money That whatever we don't use If if you don't use all that money that money doesn't have to be paid back for two years at one percent Again, you can always give it back whenever you want to you can give it back right after the eight weeks if you want So it it still seems like good Which is really an awesome deal if the government just said hey you want to borrow Two and a half months worth of payroll with a two-year am at one percent interest We'd all just jump on that right? Yeah I haven't read anything about this and I don't know How this is going to be handled two years from now, but two years from now when these notes become due What are they going to I mean? It's like hey, I need to typically banks Well oftentimes give us we'll loan money with Like a balloon payment at the end With the idea that you're going to have to refinance it like most commercial real estate loans or maybe our 20-year am Amidurization so you're paying it off like it's a 20-year note But it it comes due in five years. So basically there's this less payment is really really big But the understanding is that you're not going to have that money So there's going to re refinance it for another five years And what's the government going to do if you don't have the money? It's a question that that we need to think about a little bit because it's not secured by anything You're not personally guaranteeing it by anything. I imagine they're going to be very amenable to do whatever You know, they'll work with you five bucks a month You know Yeah, they're good. I can't imagine that they're not Because It just struck me because what are they going to do put you out of business you're going to fire everybody That's the whole point of them doing this to begin with right? Yeah so I mean it just feels like Bottom line is as long as you're going this is my thinking Not you as long as I'm going out there and I'm actually Using the monies in the spirit in which they're being provided I think I'm going to be okay And the spirit that they're being provided is keep people working Keep as many people working as you can and keep keep Business flowing keep money flowing. So I think as long as I'm doing that I'm going to be Okay, I won't I'm not necessarily thinking I'm going to make bank and I'm going to be amazing You know, it's not going to be maybe the best thing I've ever done in my life But I'm going to be okay And hopefully A little bit better than that is my plan. I'm going to I'm going to put some thought into it and be a little bit better than that Hey, Tom, maybe you can help me. I'm struggling here with the Nina thing I don't know what she means if I COVID-19 pay. Do you she says To be eligible for the COVID-19 pay you have to work for 30 days You don't know what COVID-19 pay is Nina. There are so many different types of monies going out right now for COVID-19 It's hard to know what you're talking about there. Sorry. I know I'm making you keep writing this over and over again And sarah wants to know if I can wait to start paying out the ppp until I understand it more Or do I need to start using it this week that so here's one piece of good information that I have here So I have good and bad All right, so the bad news is as soon as the money is funded to your account Then you have eight weeks From that day now. I do know somebody that requested That their money not be funded. They were given a week So they asked to have it pushed out one week. I don't know some you could get it pushed out more than that I don't know if all banks will do that, but I do know somebody that got it pushed out one week He said, you know, he wasn't open right now. They have a stay Whatever some some sort of a I'm not sure which type of order he has where he lives, but They can't like he can't work right now And so he asked if the money could get pushed out the week And he was given who's given that week. So If if sarah in your case if you want to try and gain a little bit more time You might ask for that. I know you said your monies were going to be funded on Wednesday Get ahold of them before that. No, you know today or tomorrow. I would think Nina are you asking about She says your pay is two thirds or a hundred percent when you're out of work as an employee depending upon reason Are you talking about? Benefits Yeah, that's the only thing I think of this unemployment benefits Yeah, that's the only thing that I know of that has the two thirds thing is For someone to qualify for unemployment. They have to work for a period of time And I think that varies from state to state And I don't know if it's number of days. I mean that may be one criteria But a certain number of hours I think is is another criteria But I don't think that's and I just got a hard no so Well starling Kirkland says it's under the care act And I'm thinking she means the cares act The employees need to work for your company for 30 days before they qualify for the cares act So maybe that's what Nina's talking about anything under the cares act There's also the covet 19 pay. I thought unemployment was just if they were furloughed, right? All right, so Um, so I've never heard of covet 19 pay and tom hasn't either specifically not nothing with that name Oh, okay. So need is happy. She's like, yes. That's what I'm talking about. She's talking about the cares act All right, and that that act is c a r e s It actually is an acronym even though it doesn't seem like it seems like it's just care Like they care for us, but it actually is c a r e s Um, let's see. Okay. Look how happy Nina is. Yes Somebody knows what I'm talking about Yeah, Rebecca says I was hoping once I heard if I was approved that I could hold signing the papers Until I saw some hope that the economy was returning Doesn't look like it works that way um But uh, give it a shot Rebecca and see Um, I've had two different people told me that the bank gave them up to 10 days to close from when it was approved Nice So they could set A closing date and I know one person actually did that he Set it out 10 days from the day that it was was approved Nice, okay So and I know somebody that pushed it out and then got another seven day push so I don't know ask Can't hurt to ask All right, you know, I don't know if that's standard or different banks do it differently too. I mean, I don't either Yeah, I don't either but absolutely ask ask for everything that that you can You know think to ask for what's the worst that's going to happen Absolutely And don't take no for an answer at the first pass either. Well, how about this? What could we do it another way because a lot of times You know, you can get something more than nothing if you Ask a few different ways Yeah, absolutely All right, so it looks like um We got the the problem of the 600 dollars taking care of the cares act Money so the federal the federal 600 dollars a week for unemployment So, yes for that it sounds like you have to have worked 30 days Interesting So even if you qualify for state unemployment, if you weren't there 30 days, you wouldn't get the extra 600 dollars Well, and can you qualify for unemployment if you haven't worked for 30 days? State unemployment, it depends that varies from state to state on how many hours they worked Oh Probably I mean, it would probably be it would probably be hard to do that. Uh, sure. Yeah Yeah, I don't know of the state that you can do that I haven't heard of one that you can but I haven't talked to people in all the states. So I definitely do not know I've asked I've asked that question more than once once over the years and the answer always comes back to me in terms of hours worked rather than days but it probably Whatever the hours worked are probably would would exceed 30 days. So Yeah, and we have a day we have a day limit here Um, so linda says her bank is okay with holding off the signing. That's excellent Did they give you a time frame linda? How long you can hold off? I'm curious to hear about that. Yeah, also curious if anybody has gotten any eidl funds I've heard one person that has gotten the ideal monies got the $10,000 um advance advance which is supposed to be treated as a Would an advance that you don't have to pay back Yeah, supposed to be right, but they changed the language. So it's a little bit iffy there Initially, it was a grant then they changed it to an advance on the loan That's supposed to turn into one. So Wow, at linda's bank. Um, they told her she didn't have to do it until she needed it. That's amazing That's amazing. Yeah, although I wonder how that's gonna play in So tom with your new information about june 30th. Does that mean It's a non-issue then Well, that was why was the the the ruling Uh, the days were blurred, but that was from last week. That was like thursday, maybe friday at the the latest And that was coming from some people who had been approved. It was going through this whole process. It was like, well, you know They were trying to figure out even they're going to take the money or not and when do I have to pay, you know Yeah What's the criteria and and and one of the things that that the both of them them said was the story was that The gene 30th date was was was kind of arbitrary. It was really about what happens for the eight weeks when from the day they They take the money Yeah so the Susan's asking did that person actually get 10,000? Yes, they did But I also know somebody that did not get the whole 10,000 and I can't remember how much she said she got it was on a um, it was reported on by a county official on a call and that it was um, they got significantly less The number that popped into my head was $1450, but I wouldn't swear to that So it was up to $10,000 But the person I know that did get that the advance was 10. They did get the full 10 brand In the county I feel like something to do with it. Oh, what you mentioned a county official Yeah, so we were on a on a call and The mayor was on the call and there was a whole bunch of different county officials Um on on this call and they were sharing different things about how the different programs work and In the the different counties around around me And one of the county officials and I can't remember who it was Said that she knew of somebody personally that had gotten EIDL funds, but at a much lower degree and that I thought the number was 1450, but you know, like I said, I wouldn't swear to that number um, but then they started talking about how Not not everybody's getting $10,000 It was initially thought that everybody would be getting that $10,000 Grant but that's not at all how it is And even if you have like 25 30 40 50 employees You still can't guarantee that you'll be getting that $10,000 grant So um because those monies are gone I'm not grant. I'm sorry advance Turning into a grant That we were like to believe that we don't have to pay back Yeah And that we also sort of heard we're going to be mana from heaven that we would all have within three days of having the conversation By thursday, we're gonna have 10 grand every single one of us um I did hear of somebody that also got their stimulus check that makes anybody happy the 1200 dollars um, and her family got 2400 dollars so I mean on the one hand. I'm sad that they don't make over a hundred thousand dollars, but on the other hand. Yeah, I'm glad they got 2400 so Yeah, good for them So I know those monies are for sure coming too But the black priming all right. It's good to hear that somebody's getting it. That's a good sign. Yeah And if you don't have a direct deposit account set up with the irs It's going to be a while longer because they're going to have to mail the check And they said quite a bit longer when we were looking at the calendar remember that one calendar They were talking like 10 weeks so a lot longer and there's a I think turbo tax has like a portal if you can plug in some some direct deposit information the irs is supposed to be coming out with a portal that you can do that too i've seen a couple of different congressmen say that within the left within the next week and that was late last week But I haven't heard Any details about that that if you don't if you want to get your money sooner you can go to an irs website and plug in um a bank account That they can direct deposit them That's good news No, so that people don't have to wait so long. I love that the other the other important date that I saw is April 18 That the federal unemployment money is 600 a week are supposed to begin being just first So that's that's just the end of this week here So that's supposed to be happening That's good Anybody else have anything going on? I'm curious what anybody else is doing anybody's plans for What they're going to have their people doing for those eight weeks if you are Not open and you can't get your money pushed back like linda can lucky linda. We need to go to her bank But if you can't get your money pushed back, what are you going to be doing? How are you going to Be employing your people to do what what will they be doing? I've heard a lot of Of different strategies. I'm just curious if anybody out here in facebook world has any ideas of what they're going to be doing But I think the big thing that most people are talking about is training online training Which is you know, you can't do training in person with the six the six foot rule. That's gonna be a little bit tricky but Especially if you have a stay-at-home order So there's there's um alana who is Also an attorney. She says she's going to hire her family. So sarah. I think that you were asking about hiring your husband Um, maybe maybe talk to alana. She's going to hire her family. So Um, she has less concern about hiring family than some people do for sure Say it again, Tom if there's a problem alana can defend you. Yeah Um, yeah, she's gonna love you for that one, Tom So mary says she knows some people in minnesota. They got their 600 federal money Yay, okay. Good. So if you're in minnesota, you're getting it sooner We're not getting it until the end of the week here in washington Uh, no, let's see denit says no on topic. Can you respond to the two-day presentation? And oh, I'm so sorry and if it'll be recorded and available for employees who will be working at that time So tom, would you like to speak to that the um education on wednesday and thursday a little bit? Yes, it will be recorded and I mean, I guess it lives in Facebook world for forever, I guess, but we're going to Also put it on youtube and make it available that being said, um We we're trying to encourage as many people as as as possible to be on the live version because we will be taking questions and want to be able to Kind of have the same Dynamic as as what we have on these calls. So, you know having a number of people on on on those facebook lives will Make it a richer better product for for for everybody, but yeah, it'll it'll you can go back and catch it later if more important things like Making some money during that time is is is an option. I would certainly Encourage that and it is free And it will be on youtube. Did you tell them about that? Or maybe um put the link tom to the I think a lot of people don't know about the modern cleaning page Yeah, that might be valuable We decided to stream it to two different pages. I guess some of the feedback that we got About streaming it to the cleaning business today page is there's concerns that There's a whole lot of information on the cleaning business today page About you know, hey, this is how you can start and run a profitable cleaning business which is kind of our purpose I guess but Wanted a different place that that all of our employees could could log in or or just go to and visit and and hang out and modern cleaning I guess is a business that we've had for 20 years now, I guess and it's kind of evolved over over the years But we did a lot of work over the years in terms of the science of cleaning and there's a lot of nerdy type blog posts on You know clients of cleaning type stuff, but And there's a store there you can buy some stuff if you want to but there's nothing there that's going to There's nothing there that that anybody would have any concerns about their employees saying it's not going to Motivate anybody to go out and start their own cleaning business Um, let's see. We have a couple of questions here Uh, great. Thank you. We'll do our best. That's you did need if you hire family You need to pay them through payroll correct absolutely Susan that one. I don't have to ask about that one for sure That's a soft fall Yeah, that's an easy one Linda says will you still get a certificate if you watch later versus live? uh, yes we're gonna have a quiz that will be An online quiz that the link will be available after after after the program And really we're going to be doing on honor system We're going to be asking people to to to assert that they participated and watch the entire program and if so, you can go ahead and take the quiz and if you Successfully answered the questions, uh, I'm not even sure how we're going to score. I mean, I know I know how we're going to score it, but I don't know exactly how many questions We're going to be on it. We're still developing all of that if you pass the quiz then you get your certificate completion and I fully expect that Everybody who takes the quiz will pass it There you go that answers your questions and eats Um, yes, happy to answer your questions. Sarah. Do you have any more? Do you feel like we helped you out? um with everything that you needed And then Susan says what is the name of the program and will it be on this group page? Yes, it will be on this group page And is there a name of this program Tom? There is a name I can't remember what it was, but yes, there is a name Susan. It's real catchy Can you tell I'm not remembering a lot of anything at the moment Tom will pull it up for us and And then we'll know Well, bang You'll do this Oh and Tom after you're done with that, you should probably share the cbt link just realized it's already 305 Okay, so here is the modern cleaning facebook page and it's just facebook forward slash modern cleaning um What house cleaning professionals need to know in a covet 19 world? And it's the name of it You guys see my screen, right? Yep Okay, so you click here and explains a little bit what it's about and you know, we're not This certainly isn't comprehensive and doesn't cover everything that a you know a house cleaning professional would need to know in order to be a house cleaning professional So we are assuming that the people who you know are participating in this that their primary job responsibility Is cleaning homes and we also assume they understand the basics of You know safety and cleaning products and tools and equipment because we're not going to be you know We're not going to go all the way back to the beginning We're going to assume that you know, these are people who have experienced cleaning homes every day But we're going to get into You know the specific safety issues and procedural issues and things you need to know issues in order to Responsibly clean homes now that you know, we have to deal with covet 19 We are not going to be getting into all of the work that we were talking about sharing grammar and what his business Her business does if you want to learn that there are other resources for for that Like I said, so that's kind of what it is and what we're doing And when it's going to be wednesday at four o'clock and the second part is going to be thursday at four o'clock and those times are eastern and If you want to I guess that the thinking is you can get it either modern cleaning Facebook forward slash modern cleaning or facebook forward slash cleaning business today And I suspect most of the people on this call are in cleaning business today. That's Perfectly great. You can get it either place for those who said they don't want to send their cleaning technicians their cleaning professionals to cleaning business today then Modern cleaning is an option because we're not Encouraging anybody to run a cleaning business on modern cleaning. We're just talking about nerdy cleaning Stuff that they're not going to want to look at If it's not for this event So we're going to go to cleaning business today Um, this is where you subscribe to get our newsletter And if I go to coronavirus downloads, this is the Secret page that we are dropping all of the resources that we talk about And we added after yesterday's call a link to The association that Sharon is a member of to get special training if you want to Do Bio recovery work clean up meth labs and do COVID-19 cleaning and You know clean up murder scenes and whatnot all right Yay. Okay. Good job Tom and uh Looks like we are pretty much done here today than Tom Yeah, 309 so We'll be we'll be back tomorrow And Wednesday and Thursday rather than starting at five. We're going to start an hour early at four and go for an hour and a half each day so And that's going to be you know, just the the COVID-19 training for for cleaning professionals. So we'll It's almost like a weekend. We'll have to give this discussion a couple of days when we come back Friday. Think of all the stuff that will happen One more real quick thing you guys for anybody that's new to these Facebook lives here Tom showed you the that page on cleaning business today the link of resources go there um and and maybe start at the bottom of the list and and work your way up instead of vice versa because some things changed Since we put things in but I The stuff that's in there is pretty pretty amazing. It's information you definitely want to have if you don't already Alrighty you guys are welcome. Good to see you Mary always good to see you Bridget Talk to y'all later. Thanks for being here guys. We'll see you tomorrow at five. Bye. Bye