{"id":570,"date":"2020-03-22T16:58:21","date_gmt":"2020-03-22T16:58:21","guid":{"rendered":"https:\/\/ethiopiancommunityofcharlotte.com\/?page_id=570"},"modified":"2022-11-05T16:00:25","modified_gmt":"2022-11-05T20:00:25","slug":"coronavirus-19","status":"publish","type":"page","link":"https:\/\/ethiopiancommunityofcharlotte.com\/?page_id=570","title":{"rendered":"<span style=\"color:red\">Coronavirus-19<\/span>"},"content":{"rendered":"\n<div style=\"border: 1px solid gray;margin: 3px;padding:5px\">\n<span style=\"font-size:20px;font-weight:bold\">\u1235\u1208 \u120d\u12ea \u120d\u12e9 \u12e8\u12a5\u122d\u12f3\u1273 \u1270\u124b\u121b\u1275\u1363 \u12f5\u122d\u1305\u1276\u127d\u1293 \u1355\u122e\u130d\u122b\u121e\u127d \u1230\u134b \u1263\u1208 \u1218\u120d\u12ad \u12a5\u1290\u12f2\u12eb\u1265\u122b\u122b \u12eb\u12d8\u130b\u1300\u1290\u12cd\u1295 \u12a2\u1295\u134e\u122d\u121c\u123d\u1295 <a href=\"https:\/\/ethiopiancommunityofcharlotte.com\/?page_id=570\">\u12a5\u12da\u1205<\/a> \u12eb\u1308\u129b\u1209\u1362<br>\n<\/span><p><\/p>\n<p><span style=\"font-size:20px;font-weight:bold\">\u1260\u1324\u1293 \u1263\u1208\u121e\u12eb\u12ce\u127d\u1293 \u1260\u1263\u1295\u12ad\u1293 \u134b\u12ed\u1293\u1295\u1235 \u1263\u1208\u121e\u12eb\u12ce\u127d \u12a0\u121b\u12ab\u12ed\u1290\u1275 \u12eb\u1240\u1228\u1265\u1293\u1278\u12cd\u1295 \u1260\u122d\u12ab\u1273 \u12e8\u1218\u1228\u1303 \u1355\u122e\u130d\u122b\u121e\u127d\u1295 \u126a\u12f2\u12ee\u12ce\u127d \u1208\u1218\u1218\u120d\u12a8\u1275 <a href=\"https:\/\/www.facebook.com\/pg\/ECACLT\/videos\/?ref=page_internal\">\u12a5\u12da\u1205<\/a> \u12ed\u132b\u1291 <\/span><\/p>\n<\/div>\n<p><a target=\"_blank\" href=\"https:\/\/ethiopiancommunityofcharlotte.com\/wp-content\/uploads\/2020\/04\/Screenshot_20200426-123943.png\" rel=\"noopener\"><img decoding=\"async\" src=\"https:\/\/ethiopiancommunityofcharlotte.com\/wp-content\/uploads\/2020\/04\/Screenshot_20200426-123943.png\" width=\"480px\" alt=\"\"><\/a><\/p>\n<p><a target=\"_blank\" href=\"https:\/\/ethiopiancommunityofcharlotte.com\/wp-content\/uploads\/2020\/03\/Letter_to_the_Community_2020-03-23_1.jpg\" rel=\"noopener\"><img decoding=\"async\" src=\"https:\/\/ethiopiancommunityofcharlotte.com\/wp-content\/uploads\/2020\/03\/Letter_to_the_Community_2020-03-23_1.jpg\" width=\"480px\" alt=\"\"><\/a><\/p>\n\n<div style=\"width:500px;border: 1px solid gray;margin: 3px;padding:5px\">\n<span style=\"font-size:20px;font-weight:bold\">\u1260\u1324\u1293 \u1263\u1208\u121e\u12eb\u12ce\u127d\u1293 \u1260\u1263\u1295\u12ad\u1293 \u134b\u12ed\u1293\u1295\u1235 \u1263\u1208\u121e\u12eb\u12ce\u127d \u12a0\u121b\u12ab\u12ed\u1290\u1275 \u12eb\u1240\u1228\u1265\u1293\u1278\u12cd\u1295 \u1260\u122d\u12ab\u1273 \u12e8\u1218\u1228\u1303 \u1355\u122e\u130d\u122b\u121e\u127d\u1295 \u126a\u12f2\u12ee\u12ce\u127d \u1208\u1218\u1218\u120d\u12a8\u1275 <a href=\"https:\/\/www.facebook.com\/pg\/ECACLT\/videos\/?ref=page_internal\">\u12a5\u12da\u1205<\/a> \u12ed\u132b\u1291 <\/span>\n<p\/>\n<\/div>\n<p>&nbsp;<\/p>\n<a target=\"_blank\" href=\"https:\/\/ethiopiancommunityofcharlotte.com\/wp-content\/uploads\/2020\/03\/corona_poster1.jpg\" rel=\"noopener noreferrer\"><img decoding=\"async\" src=\"https:\/\/ethiopiancommunityofcharlotte.com\/wp-content\/uploads\/2020\/03\/corona_poster1.jpg\" width=\"400px\" alt=\"Corona Virus\"><\/a>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\">Helpful Resources for Jobs and Small Business Assistance<\/h4>\n\n\n\n<strong>Current Environment<\/strong>\n<ul>\n\t<li><a href=\"https:\/\/www.usatoday.com\/story\/money\/2020\/06\/22\/cares-act-600-unemployment-other-covid-19-relief-set-end\/3211921001\/\">https:\/\/www.usatoday.com\/story\/money\/2020\/06\/22\/cares-act-600-unemployment-other-covid-19-relief-set-end\/3211921001\/<\/a>\n\t\t<ul>\n\t\t\t<li>USA Today article on expiration of the extra jobless benefits<\/li>\n\t\t<\/ul>\n\t<\/li>\n\t<li><a href=\"https:\/\/www.charlotteobserver.com\/news\/business\/article243657997.html\">https:\/\/www.charlotteobserver.com\/news\/business\/article243657997.html<\/a>\n\t\t<ul>\n\t\t\t<li>Charlotte Observer article noting 956 employees in Charlotte have been affected by cost cutting measures impacting six Marriott-owned hotels (goes to local impact)<\/li>\n\t\t<\/ul>\n\t<\/li>\n\t<li><a href=\"https:\/\/www.charlotteobserver.com\/article241349511.html\">https:\/\/www.charlotteobserver.com\/article241349511.html<\/a>\n\t\t<ul>\n\t\t\t<li> Charlotte Observer article noting over 600 employees at Charlotte Douglas who work for concessions (HMSHost) were either laid off or furloughed (goes to local impact)<\/li>\n\t\t<\/ul>\n\t<\/li>\n<\/ul>\n<strong>Jobs and Training<\/strong>\n<ul>\n\t<li>City of Charlotte \u2013 Housing and Neighborhood Services\n\t\t<ul>\n\t\t\t<li><a href=\"https:\/\/charlottenc.gov\/HNS\/CE\/Youth\/Pages\/Youth-Jobs.aspx\">https:\/\/charlottenc.gov\/HNS\/CE\/Youth\/Pages\/Youth-Jobs.aspx<\/a><\/li>\n\t\t\t<li>Website that is frequently updated with a list of companies that are hiring during COVID-19 and links to the specific company websites<\/li>\n\t\t\t<li>Broad range of employers represented, e.g. Advanced Auto Parts, Ally, Amazon, Charlotte-Mecklenburg Schools, Lowes, Securitas, UPS, etc.<\/li>\n\t\t\t<li>Additionally, the site contains links to Career Information such as updating resume, preparing for a video interview and other tips<\/li>\n\t\t\t<li>Also provides links to organizations offering free training and online courses<\/li>\n\t\t<\/ul>\n\t<\/li>\n\t<li>Charlotte Works\n\t\t<ul>\t\n\t\t\t<li><a href=\"https:\/\/www.charlotteworks.com\/services\/career-services\/\">https:\/\/www.charlotteworks.com\/services\/career-services\/<\/a><\/li>\n\t\t\t<li>Workforce development board serving Mecklenburg County<\/li>\n\t\t\t<li>Focus on ensuring that job seekers have access to opportunities, and have the skills the employers need<\/li>\n\t\t\t<li> Provide services at no cost including resume \/ interview preparation, essential skills training and coaching and on-site computers for job searches<\/li>\n\t\t<\/ul>\n\t<\/li>\n\t<li> Goodwill \u2013 Job Connections\n\t\t<ul>\n\t\t\t<li><a href=\"https:\/\/goodwillsp.org\/train\/career-development\/\">https:\/\/goodwillsp.org\/train\/career-development\/<\/a><\/li>\n\t\t\t<li>Services are being offered solely online and by phone (704-372-3434)<\/li>\n\t\t\t<li>Offer a range of career development resources such as resume development, career counseling, computer basics and interviewing tips<\/li>\n\t\t\t<li>Additionally, through Goodwill University (https:\/\/goodwillsp.org\/train\/goodwill-university\/) offer a range of free virtual training on topics such as IT, Microsoft Office, and customer service<\/li>\n\t\t<\/ul>\n\t<\/li>\n<\/ul>\n<strong>Assistance Programs<\/strong>\n<ul>\n\t<li> Access to Capital Small Business Recovery Grant Program\n\t\t<ul>\t\n\t\t\t<li><a href=\"https:\/\/www.fftc.org\/CLTcitygrant\">https:\/\/www.fftc.org\/CLTcitygrant<\/a><\/li>\n\t\t\t<li>$30mm grant program that will provide grants of between $10K to $25K to Charlotte-based small businesses impacted by COVID-19<\/li>\n\t\t\t<li>Applications are being accepted through July 31st<\/li>\n\t\t\t<li>Programs will distribute $15mm for microbusinesses (those with 5 or fewer employees) and $15mm for small businesses (those with 6 to 25 employees)<\/li>\n\t\t\t<li>Microbusinesses are eligible for grants up to $10K; Small businesses are eligible for grants up to $25K<\/li>\n\t\t\t<li>Checks will be issued on June 30th, July 6th and August 3rd for eligible businesses and may be used for 1) rent \/ mortgage, 2) utilities, 3) employee salaries \/ benefits and 4) supplies<\/li>\n\t\t\t<li>To qualify, small business must be\n\t\t\t\t<ul>\n\t\t\t\t\t<li>headquartered in city limits and established before Jan 1, 2020<\/li>\n\t\t\t\t\t<li>employ 25 or fewer employees (incl. part-time, if reported on company\u2019s W3)<\/li>\n\t\t\t\t\t<li>generate at least $30K in annual revenue, but no more than $2mm<\/li>\n\t\t\t\t<\/ul>\n\t\t\t<\/li>\n\t\t<\/ul>\n\t<\/li>\n\t<li>City of Charlotte \u2013 COVID-19 Mortgage Relief Assistance Program\n\t\t<ul>\n\t\t\t<li><a href=\"https:\/\/charlottenc.gov\/HNS\/Housing\/Homeowners\/Pages\/Charlotte-Mortgage-Relief-Assistance-Program.aspx\">https:\/\/charlottenc.gov\/HNS\/Housing\/Homeowners\/Pages\/Charlotte-Mortgage-Relief-Assistance-Program.aspx<\/a><\/li>\n\t\t\t<li>City and Charlotte-Mecklenburg Housing Partnership providing assistance to homeowners who need help with their mortgage due to COVID. Provided on first come, first serve basis<\/li>\n\t\t\t<li>Focus is on homeowners with an income of up to 80% of Area Median Income (AMI) who have experienced loss of income due to COVID<\/li>\n\t\t\t<li>Program provides for up to 3 months of mortgage payments as a grant to qualified participants\n\t\t\t\t<ul>\n\t\t\t\t\t<li>Must have been current on mortgage prior to COVID<\/li>\n\t\t\t\t<\/ul>\n\t\t\t<\/li>\n\t\t\t<li>JT to call The Housing Partnership (704-343-4692) and affirm program status<\/li>\n\t\t<\/ul>\n\t<\/li>\n\t<li> Small Business Emergency Stabilization Loan Fund\n\t\t<ul>\n\t\t\t<li><a href=\"https:\/\/carolinasmallbusiness.org\/initiatives\/covid-19-small-business-emergency-stabilizationloan-fund\/\">https:\/\/carolinasmallbusiness.org\/initiatives\/covid-19-small-business-emergency-stabilizationloan-fund\/<\/a><\/li>\n\t\t\t<li>Partnership between Mecklenburg County and the Carolinas Small Business Development Fund<\/li>\n\t\t\t<li>[Have email in to program coordinator to confirm current status]<\/li>\n\t\t\t<li>Fund is structured as a loan (not a grant) to provide financing from $5,000 to $35,000 for qualifying small businesses that have been adversely impacted by pandemic<\/li>\n\t\t\t<li>Loan structure:\n\t\t\t\t<ul>\n\t\t\t\t\t<li> Interest rate of up to 3%<\/li>\n\t\t\t\t\t<li> Terms of up to 10 years<\/li>\n\t\t\t\t\t<li> Interest-only payments for the first 12 months<\/li>\n\t\t\t\t\t<li> No collateral requirements<\/li>\n\t\t\t\t\t<li> No application or processing fees<\/li>\n\t\t\t\t<\/ul>\n\t\t\t<\/li>\n\t\t\t<li>Business premises must be physically located in Mecklenburg County, have 50 or fewer FTE employees and have been in operation for at least 24 months<\/li>\n\t\t\t<li>Documentation requirements are listed on the site<\/li>\n\t\t<\/ul>\n\t<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<style>\n<!--\n \/* Font Definitions *\/\n @font-face\n\t{font-family:Wingdings;\n\tpanose-1:5 0 0 0 0 0 0 0 0 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div.MsoListParagraphCxSpLast\n\t{margin-top:0in;\n\tmargin-right:0in;\n\tmargin-bottom:10.0pt;\n\tmargin-left:.5in;\n\tline-height:115%;\n\tfont-size:11.0pt;\n\tfont-family:\"Calibri\",sans-serif;}\nspan.BalloonTextChar\n\t{mso-style-name:\"Balloon Text Char\";\n\tmso-style-link:\"Balloon Text\";\n\tfont-family:\"Segoe UI\",sans-serif;}\n.MsoChpDefault\n\t{font-family:\"Calibri\",sans-serif;}\n.MsoPapDefault\n\t{margin-bottom:10.0pt;\n\tline-height:115%;}\n@page WordSection1\n\t{size:8.5in 11.0in;\n\tmargin:.5in .5in .5in .5in;}\ndiv.WordSection1\n\t{page:WordSection1;}\n \/* List Definitions *\/\n ol\n\t{margin-bottom:0in;}\nul\n\t{margin-bottom:0in;}\n-->\n<\/style>\n<\/head>\n<body lang=EN-US>\n<div class=WordSection1>\n<p class=MsoNormal align=center style='margin-bottom:12.0pt;text-align:center'><b><u>CARES\nAct Help for Small Business Owners<\/u><\/b><\/p>\n<p class=MsoNormal style='margin-bottom:12.0pt'><b><u>CARES Act Overview<\/u><\/b><\/p>\n<p class=MsoListParagraphCxSpFirst style='margin-left:.25in;text-indent:-.25in'>&#8211;<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span>On 3\/27\/2020 Congress passed and the President signed the Coronavirus\nAid, Relief and Economic Security Act (\u201cCARES Act\u201d)<\/p>\n<p class=MsoListParagraphCxSpMiddle style='margin-left:.25in;text-indent:-.25in'>&#8211;<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span>The law provides more than $2T in emergency economic relief to individuals\nand businesses affected by the virus crisis through numerous new stimulus and\naid programs<\/p>\n<p class=MsoListParagraphCxSpLast style='margin-left:.25in;text-indent:-.25in'>&#8211;<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span>Law is innovative in targeting aid as quickly as possible to individuals\nand businesses<\/p>\n<p class=MsoNormal style='margin-bottom:12.0pt'><b><u>Paycheck Protection\nProgram (\u201cPPP\u201d)<\/u><\/b><\/p>\n<p class=MsoNormal style='margin-bottom:0in;margin-bottom:.0001pt'><b><i>What\nis the PPP?<\/i><\/b><\/p>\n<p class=MsoListParagraphCxSpFirst style='margin-left:.25in;text-indent:-.25in'>&#8211;<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span>One of the particular programs that will be administered by the Small\nBusiness Administration (\u201cSBA\u201d) is the PPP<\/p>\n<p class=MsoListParagraphCxSpLast style='margin-left:.25in;text-indent:-.25in'>&#8211;<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span>The CARES Act provides for $349B in funding for loans through the PPP,\nan expansion of the SBA\u2019s existing 7(a) loan program aimed at supporting small\nbusinesses and encouraging those businesses to retain their workers<\/p>\n<p class=MsoNormal style='margin-bottom:0in;margin-bottom:.0001pt'><b><i>How\ndoes it work?<\/i><\/b><\/p>\n<p class=MsoListParagraphCxSpFirst style='margin-left:.25in;text-indent:-.25in'>&#8211;<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span>Loans made under the PPP can be used to cover costs incurred during the\nperiod from Feb 15<sup>th<\/sup> to Jun 30<sup>th<\/sup>; the SBA has authorized\nlenders to start processing PPP loan applications on April 3<sup>rd<\/sup> <\/p>\n<p class=MsoListParagraphCxSpMiddle style='margin-left:.25in;text-indent:-.25in'>&#8211;<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span>The main objective is to keep small businesses operating and their\nemployees working<\/p>\n<p class=MsoListParagraphCxSpMiddle style='margin-left:.25in;text-indent:-.25in'>&#8211;<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span>PPP applications are submitted through a bank, not directly with SBA<\/p>\n<p class=MsoListParagraphCxSpMiddle style='margin-left:.25in;text-indent:-.25in'>&#8211;<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span>Businesses must apply to the bank where they have their business\ndepository relationship (over 800 institutions in network)<\/p>\n<p class=MsoListParagraphCxSpMiddle style='margin-left:.25in;text-indent:-.25in'>&#8211;<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span>In addition to the application, borrowers must submit documentation\nnecessary to establish eligibility such as:<\/p>\n<p class=MsoListParagraphCxSpMiddle style='margin-left:.75in;text-indent:-.25in'><span\nstyle='font-family:\"Courier New\"'>o<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;\n<\/span><\/span>payroll processor records<\/p>\n<p class=MsoListParagraphCxSpMiddle style='margin-left:.75in;text-indent:-.25in'><span\nstyle='font-family:\"Courier New\"'>o<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;\n<\/span><\/span>payroll tax filings or Forms 1099<\/p>\n<p class=MsoListParagraphCxSpMiddle style='margin-left:.25in;text-indent:-.25in'>&#8211;<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span>To be eligible for a loan an applicant must:<\/p>\n<p class=MsoListParagraphCxSpMiddle style='margin-left:.75in;text-indent:-.25in'><span\nstyle='font-family:\"Courier New\"'>o<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;\n<\/span><\/span>Have a place of business in the U.S.<\/p>\n<p class=MsoListParagraphCxSpLast style='margin-left:.75in;text-indent:-.25in'><span\nstyle='font-family:\"Courier New\"'>o<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;\n<\/span><\/span>Operate primarily in the U.S. or make a significant contribution\nto the U.S. economy through tax, labor and use of products<\/p>\n<p class=MsoNormal style='margin-bottom:0in;margin-bottom:.0001pt'><b><i>Who is\neligible for PPP?<\/i><\/b><\/p>\n<p class=MsoNormal style='margin-bottom:12.0pt;line-height:18.0pt;background:\nwhite'><span style='font-size:9.0pt;font-family:\"Verdana\",sans-serif;\ncolor:#434343'>Small businesses, including sole proprietors, independent\ncontractors, self-employed individuals, nonprofit organizations, tribal\nbusiness concerns, and Veterans\u2019 organizations, that:<\/span><\/p>\n<ul type=disc>\n <li class=MsoNormal style='color:#434343;line-height:normal;background:white'><span\n     style='font-size:9.0pt;font-family:\"Verdana\",sans-serif'>Employ 500 or\n     fewer people<\/span><\/li>\n <li class=MsoNormal style='color:#434343;line-height:normal;background:white'><span\n     style='font-size:9.0pt;font-family:\"Verdana\",sans-serif'>Were in business\n     on or before February 15, 2020<\/span><\/li>\n <li class=MsoNormal style='color:#434343;line-height:normal;background:white'><span\n     style='font-size:9.0pt;font-family:\"Verdana\",sans-serif'>Had employees to\n     whom they paid salaries and for whom they paid payroll taxes or that paid\n     independent contractors<\/span><\/li>\n <li class=MsoNormal style='color:#434343;line-height:normal;background:white'><span\n     style='font-size:9.0pt;font-family:\"Verdana\",sans-serif'>Have a business\n     checking account as of February 15, 2020<\/span><\/li>\n<\/ul>\n<p class=MsoNormal style='margin-bottom:0in;margin-bottom:.0001pt'><span\nstyle='font-size:9.0pt;line-height:115%;font-family:\"Verdana\",sans-serif;\ncolor:#434343'>Therefore, in our community, this would include:<\/span><\/p>\n<p class=MsoListParagraphCxSpFirst style='margin-top:0in;margin-right:0in;\nmargin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-indent:-.25in'>&#8211;<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><b>Hairdresser\/beauty supply stores<\/b><\/p>\n<p class=MsoListParagraphCxSpMiddle style='margin-top:0in;margin-right:0in;\nmargin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-indent:-.25in'>&#8211;<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><b>Convenience stores<\/b><\/p>\n<p class=MsoListParagraphCxSpMiddle style='margin-top:0in;margin-right:0in;\nmargin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-indent:-.25in'>&#8211;<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><b>Uber\/taxicab drivers<\/b><\/p>\n<p class=MsoListParagraphCxSpMiddle style='margin-top:0in;margin-right:0in;\nmargin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-indent:-.25in'>&#8211;<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><b>Home care providers<\/b><\/p>\n<p class=MsoListParagraphCxSpMiddle style='margin-top:0in;margin-right:0in;\nmargin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-indent:-.25in'>&#8211;<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><b>Truck drivers<\/b><\/p>\n<p class=MsoListParagraphCxSpLast style='margin-top:0in;margin-right:0in;\nmargin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-indent:-.25in'>&#8211;<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><b>Churches and religious institutions<\/b><\/p>\n<p class=MsoNormal style='margin-bottom:0in;margin-bottom:.0001pt'><b><i>&nbsp;<\/i><\/b><\/p>\n<p class=MsoNormal style='margin-bottom:0in;margin-bottom:.0001pt'><b><i>How\nmuch can a business receive?<\/i><\/b><\/p>\n<p class=MsoListParagraphCxSpFirst style='text-indent:-.25in'><span\nstyle='font-family:Symbol'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span>Maximum loan amount is 2.5x a business\u2019 average total monthly\npayroll amount for calendar year 2019<\/p>\n<p class=MsoListParagraphCxSpLast style='text-indent:-.25in'><span\nstyle='font-family:Symbol'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><b>\u201cPayroll costs\u201d<\/b> include salary, wages, tips, commissions,\npaid leave benefits, employer-paid health insurance premiums, and state and\nlocal payroll taxes.<\/p>\n<p class=MsoNormal style='margin-left:.25in'><b><i>What are the terms of the\nloan?<\/i><\/b><\/p>\n<p class=MsoListParagraphCxSpFirst style='margin-left:.25in;text-indent:-.25in'>&#8211;<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span>The SBA has waived all otherwise applicable 7(a) fees for PPP loans, and\ninterest rates will be 1%<\/p>\n<p class=MsoListParagraphCxSpMiddle style='text-indent:-.25in'><span\nstyle='font-family:Symbol'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span>No collateral requirements or personal guarantees are required<\/p>\n<p class=MsoListParagraphCxSpMiddle style='text-indent:-.25in'><span\nstyle='font-family:Symbol'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span>At least 75% of PPP loan proceeds must be used for \u201cpayroll\u201d\ncosts<\/p>\n<p class=MsoListParagraphCxSpMiddle style='text-indent:-.25in'><span\nstyle='font-family:Symbol'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span>Recipient can use loan proceeds to cover: payroll costs (e.g.\nsalary, wages, medical and retirement benefits), mortgage interest payments,\nrent, utilities and interest on loans obtained prior to 2\/15\/20<\/p>\n<p class=MsoListParagraphCxSpMiddle style='text-indent:-.25in'><span\nstyle='font-family:Symbol'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span>An applicant must certify in good faith that the loan will only\nbe used to cover allowed costs<\/p>\n<p class=MsoListParagraphCxSpMiddle style='text-indent:-.25in'><span\nstyle='font-family:Symbol'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span>Under the PPP, a business must certify on its application that,\nit has not and will not receive another PPP loan<\/p>\n<p class=MsoListParagraphCxSpLast style='margin-left:.25in;text-indent:-.25in'>&#8211;<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span>Lenders must make that payout <span style='background:yellow'>no more\nthan 10 calendar days after the loan is approved<\/span>, the agency said.<\/p>\n<p class=MsoNormal><b><i>Can PPP loans be forgiven?<\/i><\/b><\/p>\n<p class=MsoListParagraphCxSpFirst style='margin-left:.25in;text-indent:-.25in'>&#8211;<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span>Subject to certain limitations, a PPP loan is eligible for forgiveness\nup to the amount spent by the borrower in the eight-week period after the\norigination date of the loan<\/p>\n<p class=MsoListParagraphCxSpMiddle style='margin-left:.75in;text-indent:-.25in'><span\nstyle='font-family:\"Courier New\"'>o<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;\n<\/span><\/span>Payroll costs, interest payments on any mortgage obligation,\npayment of rent on any lease and \/ or payment of any utility \u2013 in each case\nthat was in place prior to 2\/15\/20<\/p>\n<p class=MsoListParagraphCxSpMiddle style='margin-left:.25in;text-indent:-.25in'>&#8211;<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span>Forgiveness of non-payroll costs is limited to 25% of the total\nforgiveness amount<\/p>\n<p class=MsoListParagraphCxSpMiddle style='margin-left:.25in;text-indent:-.25in'>&#8211;<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span>The amount of eligible loan forgiveness will be reduced proportionally\nby the number of employees laid off, and similarly if employees\u2019 salaries are\nreduced by more than 25%<\/p>\n<p class=MsoListParagraphCxSpLast style='margin-left:.25in;text-indent:-.25in'>&#8211;<span\nstyle='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span>Repayment over two years at 1% interest rate<\/p>\n<p class=MsoNormal><b><i>&nbsp;<\/i><\/b><\/p>\n<p class=MsoNormal><b><u>Expanded Economic Injury Disaster Loan program (EIDL)<\/u><\/b><\/p>\n<p class=MsoNormal><b>Overview:<\/b><\/p>\n<p class=MsoListParagraphCxSpFirst style='margin-left:.25in;text-indent:-.25in'><span\nstyle='font-family:Symbol'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span>Small business owners in all U.S. states are eligible to apply\nfor an Economic Injury Disaster Loan advance of up to $10,000. <\/p>\n<p class=MsoListParagraphCxSpMiddle style='margin-left:.25in;text-indent:-.25in'><span\nstyle='font-family:Symbol'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span>This advance will provide economic relief to businesses that are\ncurrently experiencing a temporary loss of revenue. <\/p>\n<p class=MsoListParagraphCxSpMiddle style='margin-left:.25in;text-indent:-.25in'><span\nstyle='font-family:Symbol'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span>Funds will be made available following a successful application.\nThis loan advance will not have to be repaid.<\/p>\n<p class=MsoListParagraphCxSpLast style='margin-left:.25in;text-indent:-.25in'><span\nstyle='font-family:Symbol'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span>$1,000 per employee for up to 10 employees<\/p>\n<p class=MsoNormal><b>Eligibility:<\/b><\/p>\n<p class=MsoListParagraphCxSpFirst style='margin-left:.25in;text-indent:-.25in'><span\nstyle='font-family:Symbol'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span>Many applicants said they have been told that initial\ndisbursements will be capped at $15,000 per business. S.B.A. representatives\ndid not respond to repeated questions about whether caps have been imposed.<\/p>\n<p class=MsoListParagraphCxSpMiddle style='margin-left:.25in;text-indent:-.25in'><span\nstyle='font-family:Symbol'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span>Does this program offer loan forgiveness?<\/p>\n<p class=MsoListParagraphCxSpLast style='margin-left:.75in;text-indent:-.25in'><span\nstyle='font-family:\"Courier New\"'>o<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;\n<\/span><\/span>Partly. Businesses can request up to $10,000 of a disaster loan\nas a grant. It\u2019s described on the application as a \u201cloan advance,\u201d but S.B.A.\nofficials confirmed that it did not have to be repaid. Borrowers will be on the\nhook for the rest.<\/p>\n<p class=MsoNormal><b>What do I need to know about repayment?<\/b><\/p>\n<p class=MsoNormal><b>&nbsp;<\/b><\/p>\n<p class=MsoListParagraph style='text-indent:-.25in'><span style='font-family:\nSymbol'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span>The rest of the loan can be repaid on a term of up to 30 years.\nThe interest rate is 3.75 percent for small businesses and 2.75 percent for\nnonprofits. No payment is due for the first year.<\/p>\n<p class=MsoNormal><b><u>SBA Express Bridge Loans<\/u><\/b><\/p>\n<p class=MsoNormal><b>Overview:<\/b><\/p>\n<p class=MsoListParagraphCxSpFirst style='text-indent:-.25in'><span\nstyle='font-family:Symbol'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span>Enables small businesses who currently have a business\nrelationship with an SBA Express Lender to access up to $25,000 quickly.<\/p>\n<p class=MsoListParagraphCxSpMiddle style='text-indent:-.25in'><span\nstyle='font-family:Symbol'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span>Express Bridge Loan Pilot Program allows small businesses who\ncurrently have a business relationship with an SBA Express Lender to access up\nto $25,000 quickly. <\/p>\n<p class=MsoListParagraphCxSpMiddle style='text-indent:-.25in'><span\nstyle='font-family:Symbol'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span>These loans can provide vital economic support to small\nbusinesses to help overcome the temporary loss of revenue they are experiencing\nand can be a term loans or used to bridge the gap while applying for a direct\nSBA Economic Injury Disaster loan. <\/p>\n<p class=MsoListParagraphCxSpLast style='text-indent:-.25in'><span\nstyle='font-family:Symbol'>\u00b7<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span>If a small business has an urgent need for cash while waiting for\ndecision and disbursement on an Economic Injury Disaster Loan, they may qualify\nfor an SBA Express Disaster Bridge Loan.<\/p>\n<p class=MsoNormal><b>&nbsp;<\/b><\/p>\n<p class=MsoNormal><b><u>SBA Debt Relief<\/u><\/b><\/p>\n<p class=MsoNormal><b>Overview:<\/b><\/p>\n<p class=MsoNormal>The SBA will automatically pay the principal, interest, and\nfees of current 7(a), 504, and microloans for a period of six months.<\/p>\n<p class=MsoNormal>The SBA will also automatically pay the principal, interest,\nand fees of new 7(a), 504, and microloans issued prior to September 27, 2020.<\/p>\n<p class=MsoNormal><b>For these loans, you don\u2019t request an amount. The S.B.A.\nwill determine how much you can borrow using a formula intended to approximate\nsix months of your operating expenses.<\/b><\/p>\n<p class=MsoNormal><b>The loans cannot be used to refinance previous loans;\nanything else is fair game. If you use money from a disaster loan to pay your\nemployees, you can try to refinance through the paycheck protection program,\nwhich allows for the loan to be forgiven.<\/b><\/p>\n<p class=MsoNormal><b>&nbsp;<\/b><\/p>\n<p class=MsoNormal><b>&nbsp;<\/b><\/p>\n<p class=MsoNormal><b>&nbsp;<\/b><\/p>\n<\/div>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/ethiopiancommunityofcharlotte.com\/wp-content\/uploads\/2020\/04\/PPPLendersSample-1024x576.png\" alt=\"\" class=\"wp-image-622\" srcset=\"https:\/\/ethiopiancommunityofcharlotte.com\/wp-content\/uploads\/2020\/04\/PPPLendersSample-1024x576.png 1024w, https:\/\/ethiopiancommunityofcharlotte.com\/wp-content\/uploads\/2020\/04\/PPPLendersSample-300x169.png 300w, https:\/\/ethiopiancommunityofcharlotte.com\/wp-content\/uploads\/2020\/04\/PPPLendersSample-768x432.png 768w, https:\/\/ethiopiancommunityofcharlotte.com\/wp-content\/uploads\/2020\/04\/PPPLendersSample-624x351.png 624w, https:\/\/ethiopiancommunityofcharlotte.com\/wp-content\/uploads\/2020\/04\/PPPLendersSample.png 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p style=\"text-decoration: underline;font-weight: bold\"><strong>Facts\nabout COVID-19<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">COVID-19 (also called \u201ccoronavirus\u201d) is\na novel virus, meaning it is NEW<strong>. <\/strong>there\nis no medication or vaccine to prevent the spread of COVID-19. The virus is\nspread through the air (i.e., coughing or sneezing) and contact (live outside\nof the body or unclean surfaces for up to 2 weeks).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>High-Risk\nPopulation<\/strong><strong><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>If you\u2019ve had contact\nwith a symptomatic person who has been diagnosed with COVID-19 or has traveled\nto an area <a href=\"https:\/\/www.cdc.gov\/coronavirus\/2019-ncov\/cases-updates\/summary.html?CDC_AA_refVal=https%3A%2F%2Fwww.cdc.gov%2Fcoronavirus%2F2019-ncov%2Fsummary.html\">affected by a COVID-19 outbreak.<\/a><\/li><li>Infants and the\nElderly (ages 60 and up)<\/li><li>Compromised immune (\nAnyone who is receiving chemotherapy, radiation or organ transplant\/maintenance\n)<\/li><li><a href=\"https:\/\/www.cdc.gov\/coronavirus\/2019-ncov\/specific-groups\/high-risk-complications.html\">Chronic Disease<\/a> (cardiac, lung or\nrenal)<ul><li>Diabetes patients <strong>*<\/strong> High blood sugars might be the first\nindication of a symptom. Please check your blood sugars frequently.<\/li><\/ul><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Symptoms\nof COVID (compare with flu\/cold, allergies)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Percentage of cases reported these\nsymptoms.&nbsp; Source WHO and CDC<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Fever (88% of cases) <\/li><li>Dry Cough (68%)<\/li><li>Shortness of Breath\n(19%)<\/li><li>Fatigue (38%)<\/li><li>20% or less reported\nthe following symptoms; muscle and joint pain, sore throat, headache, diarrhea,\nvomiting, and phlegm.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">A person that has been exposed to the\nCOVID-19 virus may not present symptoms for at least <strong>2 days<\/strong> and up to 14days post-exposure. It is important to practice\nthe following prevention measures and check your temperature frequently.<strong><br>\n<\/strong><\/p>\n\n\n\n<p style=\"text-decoration: underline;font-weight: bold\">Prevention\nis Key!!!!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In order to protect our hospitals\u2019\ncapacity, we must \u201c<a href=\"https:\/\/www.washingtonpost.com\/graphics\/2020\/world\/corona-simulator\/\">flatten the curve<\/a>\u201d<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>This means we have to\nslow down the spread of the disease so that too many people don\u2019t get sick all\nat once. <\/li><li>Stay home (even if\nyou are healthy) and do not interact with others outside of your home.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Since there is no vaccine to prevent\nthe disease, the only way to \u201cflatten the curve\u201d is to isolate ourselves and\nexercise <a href=\"https:\/\/www.cdc.gov\/coronavirus\/2019-ncov\/prepare\/prevention.html\">social distancing<\/a>.\n<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Going out into public\nareas for ESSENTIALS like getting groceries, medication, or doctor\u2019s\nappointments.<\/li><li>Practice social\ndistancing and keep <span style=\"text-decoration: underline;font-weight: bold\">at least 6 FEET\ndistance<\/span> from others. If your job allows it, work from home. <\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The <a href=\"https:\/\/www.cdc.gov\/coronavirus\/2019-ncov\/prepare\/prevention.html\">CDC<\/a> explains additional\nways you can protect yourself and others, including<\/p>\n\n\n\n<ol class=\"wp-block-list\"><li>Wash your hands often\nfor at least 20 seconds with soap and water<\/li><li>Use alcohol-based\nhand sanitizers, when water and soap are unavailable. <\/li><li>Cover your mouth when\ncoughing and sneezing: Avoid touching your eyes, nose, and mouth with your\nhands. <\/li><li>Clean and disinfect\nfrequently touched surfaces or common areas (For transportation workers, please\ndisinfect car seats and door handles in between passengers)<\/li><li>If you work with the\npublic wear a mask and gloves (especially when handling money) <\/li><li>Avoid public\ntransportation: Avoid using public transportation, ride-sharing, or taxis.<\/li><\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Who\nNeeds to get tested?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you have the following symptoms <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Fever\n(100.4 or higher) + Shortness of breath AND a cough + exposed to someone who\nhas COVID-19 = Get Screened for COVID-19<\/li><li>Negative\nflu test + Fever (100.4 or higher) + Shortness of breath AND a cough = Get\nscreened for COVID-19<\/li><\/ul>\n\n\n\n<p>If you develop emergency warning signs\nfor COVID-19, <span style=\"color:red\">call 911 for medical attention\nimmediately.<\/span> Emergency warning signs include*:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Difficulty breathing\nor shortness of breath (wheezing)<\/li><li>Persistent pain or\npressure in the chest<\/li><li>New confusion or inability\nto arouse (open eyes and awaken)<\/li><li>Bluish lips or face\n(any discoloration on face and hands) <\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">*This list is not all-inclusive. Please\nconsult your medical provider for any other symptoms that are severe or\nconcerning.<\/p>\n\n\n\n<p style=\"text-decoration: underline;font-weight: bold\">If\nyou think you might be sick: (stay home &#8211; call PCP or hotline- if an emergency\ngo to ER)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If lots of people get sick and many of\nthem end up needing hospital care, resulting in overburdening America\u2019s\nhealthcare system.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>meaning we will not\nhave enough beds, medical equipment, or doctors and nurses to help everyone. <\/li><li>This may occur if the\ndisease spreads too quickly <\/li><li>People are getting\ninfected at a much faster rate then they are being healed- putting a huge\nstrain on the healthcare system. <\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Please call your healthcare provider or\nthe <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/atriumhealth.org\/dailydose\">Atrium Health NC\u2019s<\/a>\nCOVID-19 Helpline at <span style=\"text-decoration: underline;font-weight: bold;color:red\">1-866-426-3821<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/coronavirus.novanthealth.org\/?utm_source=email&amp;utm_medium=email&amp;utm_campaign=p:email_a:nh_b:e-newsman_d:a_s:brand_c:other_k:na_i:ren_m:na_g:nc_n:none_6-things-patient&amp;utm_content=t:txt_coronavirus-link\">Novant Health 24\/7<\/a>\nHelpline at <span style=\"text-decoration: underline;font-weight: bold;color:red\">877-966-8268<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.mecknc.gov\/healthDepartment\/Pages\/default.aspx\">Mecklenburg County Public Health <\/a>department\nat <span style=\"text-decoration: underline;font-weight: bold;color:red\">980-314-9400<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For individuals who <a href=\"https:\/\/www.ncchca.org\/health-centers\/find-a-health-center\/\">do not have insurance or a primary care provider (PCP)<\/a>,\nhere is a list of <a href=\"https:\/\/www.mecknc.gov\/HealthDepartment\/Documents\/FreeLowCostClinics.pdf\">community-based clinic services. <\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Community\n&amp; Financial Resources<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">COVID-19 is a global pandemic that is\ncausing lots of disruption to many businesses and industries worldwide. The\nagencies below are offering limited assistance to ease some financial tension\nduring this difficult time:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Utility services: The\nfollowing utility agencies will NOT suspend services for non-payment (you will\nstill have to pay your utilities with additional rates\/interest but services\nwill not be cut if you cannot afford payments right now)<ul><li><a href=\"https:\/\/news.duke-energy.com\/releases\/duke-energy-implements-additional-steps-to-protect-customers-and-employees-during-virus-pandemic?utm_source=TWITTER&amp;utm_medium=DukeEnergy&amp;utm_term=--multimedia&amp;utm_content=3201849423-20200315-20200315210140&amp;utm_campaign=Storm\">Duke Energy<\/a> <\/li><\/ul><ul><li><a href=\"https:\/\/news.duke-energy.com\/releases\/piedmont-natural-gas-implements-additional-steps-to-protect-customers-and-employees-during-virus-pandemic?utm_source=TWITTER&amp;utm_medium=PiedmontNG&amp;utm_term=--multimedia&amp;utm_content=3201866913-20200315-20200315212453&amp;utm_campaign=Storm\">Piedmont Natural Gas <\/a><\/li><\/ul><ul><li><a href=\"https:\/\/cltwaterblog.org\/2020\/03\/13\/2380\/\">Charlotte\nWater<\/a> <\/li><\/ul><\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.crisisassistance.org\/\">Crisis\nAssistance Ministry<\/a><ul><li>Provides limited\nfinancial assistance for families in crisis<\/li><\/ul><ul><li>NOTE: CAM is closed\nas of March 17th, however, you may request assistance once they reopen <ul><li><a href=\"https:\/\/www.charlotteobserver.com\/news\/coronavirus\/article241226521.html\">Mecklenburg County<\/a>\ncourts will not issue evictions or foreclosures for at least 30 days.<\/li><\/ul><\/li><\/ul><\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>Food Pantries<ul><li><a href=\"https:\/\/loavesandfishes.org\/about-us\/\">Loaves\nand Fishes <\/a>&#8211; Provides up to one week of emergency\nfood assistance for you and your family <\/li><\/ul><ul><li><a href=\"https:\/\/www.secondharvestmetrolina.org\/news-pages\/coronavirus-response?\">Second Harvest Food Bank<\/a>\n&#8211; Provides emergency food assistance<\/li><\/ul><\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/corporate.charter.com\/newsroom\/charter-to-offer-free-access-to-spectrum-broadband-and-wifi-for-60-days-for-new-K12-and-college-student-households-and-more\">Spectrum<\/a> offering 60 days\nfree internet for <span style=\"text-decoration: underline;font-weight: bold;\">new<\/span>\nhouseholds <span style=\"text-decoration: underline;\">with students affected<\/span> by COVID-19 <\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/cvshealth.com\/newsroom\/press-releases\/cvs-health-announces-additional-covid-19-resources-focused-patient-access\">CVS<\/a> and <a href=\"https:\/\/news.walgreens.com\/press-releases\/general-news\/walgreens-takes-further-action-to-support-customers-during-covid-19-pandemic.htm\">Walgreens<\/a> waiving fees for\nprescription home deliveries (other pharmacies may offer home delivery for a\nfee) <\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>Unemployment\nInsurance Benefits<ul><li>Governor Cooper\nwaived some requirements that may make it easier to get unemployment benefits\nif you are laid off due to the COVID-19 pandemic. <\/li><\/ul><ul><li>You can apply for\nbenefits <a href=\"https:\/\/des.nc.gov\/apply-unemployment\">here<\/a> or call\n1-888-737-0259 for questions<\/li><\/ul><\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>Charlotte-Mecklenburg\nSchools<ul><li>CMS will provide free\ngrab and go lunches for children under 18 at different <a href=\"https:\/\/www.cms.k12.nc.us\/News\/Pages\/CMS-announces-meal-distribution-plan-for-kids-.aspx\">locations<\/a> across Charlotte <\/li><\/ul><ul><li>Virtual Learning\nResources: Not yet available as of 3\/16 &#8211; see your school\u2019s homepage for\ndetails<\/li><\/ul><\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Verizon\nannounced <\/strong><a href=\"https:\/\/www.verizon.com\/about\/news\/verizon-help-customers-and-small-businesses\">(March 13)<\/a>,\nfor the next 60 days<ul><li>it will waive late\nfees that any residential or small business customers <\/li><\/ul><ul><li>Will not terminate\nservice to any residential or small business customers because of their\ninability to pay their bills due to disruptions caused by the coronavirus.<\/li><\/ul><\/li><li><strong>Low\nIncome Energy Assistance <\/strong><a href=\"https:\/\/www.mecknc.gov\/dss\/admin\/Pages\/Low-Income-Energy-Assistance-Program.aspx\">https:\/\/www.mecknc.gov\/dss\/admin\/Pages\/Low-Income-Energy-Assistance-Program.aspx<\/a><\/li><\/ul>\n\n\n\n<p style=\"text-decoration: underline;font-weight: bold;\">Learning from Home<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.cms.k12.nc.us\/cmsdepartments\/csh\/covid-19\/Pages\/default.aspx\">&nbsp;<\/a><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>K-12: <ul><li>Virtual Learning Resources <a href=\"https:\/\/www.cms.k12.nc.us\/cmsdepartments\/csh\/covid-19\/Pages\/default.aspx\">tools<\/a><\/li><\/ul><\/li><li>Khan Academy &#8211; Free\nonline resource<ul><li>Has developed a <a href=\"https:\/\/emails.khanacademy.org\/click\/19749076.54831\/aHR0cHM6Ly9kb2NzLmdvb2dsZS5jb20vZG9jdW1lbnQvZC9lLzJQQUNYLTF2U1poT2RFUEFXalVRcHFEa1ZBbEpyRnd4eFo5U2E2ekdPcTBDTlJtczZaN0RaTnEtdFFXUzNPaHVWQ1ViaF8tUC1XbWtzSEF6YnNyazlkL3B1Yg\/5919896c6e4adc6a538b5d8fB7d689535\">&nbsp;daily curriculum schedule<\/a> for students.<\/li><\/ul><\/li><\/ul>\n\n\n\n<p style=\"text-decoration: underline;font-weight: bold;\">Working\nfrom Home<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Frequently check your\nemail for updates from employer:<ul><li>Enroll\/Apply for\nCODVID-19 Relief aid and assistance, if applicable to your household. <\/li><\/ul><ul><li>Review of Human\nResource policy <\/li><\/ul><\/li><li>COVID-19 information\nis changing constantly, Stay Informed!<ul><li><a href=\"https:\/\/www.who.int\/emergencies\/diseases\/novel-coronavirus-2019\">World Health Organization <\/a>(WHO)<\/li><\/ul><ul><li><a href=\"https:\/\/www.cdc.gov\/coronavirus\/2019-ncov\/cases-updates\/cases-in-us.html?CDC_AA_refVal=https%3A%2F%2Fwww.cdc.gov%2Fcoronavirus%2F2019-ncov%2Fcases-in-us.html\">Center for Disease Control<\/a>\n(CDC)<\/li><\/ul><ul><li><a href=\"https:\/\/governor.nc.gov\/news\/press-releases\">NC\nGovernor\u2019s Office <\/a><strong><\/strong><\/li><\/ul><ul><li><a href=\"https:\/\/www.mecknc.gov\/news\/Pages\/NewsListing.aspx\">City of Charlotte <\/a><\/li><\/ul><ul><li><a href=\"https:\/\/www.mecknc.gov\/news\/Pages\/COVID-19-Impact-on-County-Services.aspx\">Mecklenburg County Offices<\/a>\n(including Dept. of Social Services) <\/li><\/ul><ul><li>NOTE: county offices\nare closed for in-person assistance, but staff are still available by phone or\nonline<\/li><\/ul><ul><li><a href=\"https:\/\/rise.articulate.com\/share\/HwDfHeNGyZurYzBLgkAJvFLxE24Ze-UB#\/\">Meck County Health Dept &#8211; COVID-19 Tutorial <\/a><\/li><\/ul><\/li><\/ul>\n\n\n\n<p style=\"text-decoration: underline;font-weight: bold;\">Medical\nor Other Emergency<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Call 911<\/li><\/ul>\n\n\n\n<p style=\"text-decoration: underline;font-weight: bold;\">ECAC\nHotline for Essential Needs in the Event of Lockdown<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Please call or text this number if you or a family member needs additional information or help to get the following items: <\/strong>groceries and water, medications or first aid supplies from the pharmacy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a><strong>704-286-1332<\/strong><\/a><strong><\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">&#x1f637;\nSPREADING THE INFORMATION, not the virus &#x1f601;<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">\u126b\u12ed\u1228\u1231\u1295 \u1233\u12ed\u1206\u1295 \u1218\u1228\u1303\u12cd\u1295 \u12eb\u1230\u122b\u1329!!!<\/p>\n\n\n\n<p style=\"font-family: Sans-Serif;\">\n*Disclaimer: Information is constantly updating-\nplease refer to resource list for the most up to date information\n<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u1235\u1208 \u120d\u12ea \u120d\u12e9 \u12e8\u12a5\u122d\u12f3\u1273 \u1270\u124b\u121b\u1275\u1363 \u12f5\u122d\u1305\u1276\u127d\u1293 \u1355\u122e\u130d\u122b\u121e\u127d \u1230\u134b \u1263\u1208 \u1218\u120d\u12ad \u12a5\u1290\u12f2\u12eb\u1265\u122b\u122b \u12eb\u12d8\u130b\u1300\u1290\u12cd\u1295 \u12a2\u1295\u134e\u122d\u121c\u123d\u1295 \u12a5\u12da\u1205 \u12eb\u1308\u129b\u1209\u1362 \u1260\u1324\u1293 \u1263\u1208\u121e\u12eb\u12ce\u127d\u1293 \u1260\u1263\u1295\u12ad\u1293 \u134b\u12ed\u1293\u1295\u1235 \u1263\u1208\u121e\u12eb\u12ce\u127d \u12a0\u121b\u12ab\u12ed\u1290\u1275 \u12eb\u1240\u1228\u1265\u1293\u1278\u12cd\u1295 \u1260\u122d\u12ab\u1273 \u12e8\u1218\u1228\u1303 \u1355\u122e\u130d\u122b\u121e\u127d\u1295 \u126a\u12f2\u12ee\u12ce\u127d \u1208\u1218\u1218\u120d\u12a8\u1275 \u12a5\u12da\u1205 \u12ed\u132b\u1291 \u1260\u1324\u1293 \u1263\u1208\u121e\u12eb\u12ce\u127d\u1293 \u1260\u1263\u1295\u12ad\u1293 \u134b\u12ed\u1293\u1295\u1235 \u1263\u1208\u121e\u12eb\u12ce\u127d \u12a0\u121b\u12ab\u12ed\u1290\u1275 \u12eb\u1240\u1228\u1265\u1293\u1278\u12cd\u1295 \u1260\u122d\u12ab\u1273 \u12e8\u1218\u1228\u1303 \u1355\u122e\u130d\u122b\u121e\u127d\u1295 \u126a\u12f2\u12ee\u12ce\u127d \u1208\u1218\u1218\u120d\u12a8\u1275 \u12a5\u12da\u1205 \u12ed\u132b\u1291 &nbsp; Helpful Resources for Jobs and Small Business Assistance Current Environment https:\/\/www.usatoday.com\/story\/money\/2020\/06\/22\/cares-act-600-unemployment-other-covid-19-relief-set-end\/3211921001\/ [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/full-width.php","meta":{"footnotes":""},"class_list":["post-570","page","type-page","status-publish","hentry"],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/ethiopiancommunityofcharlotte.com\/index.php?rest_route=\/wp\/v2\/pages\/570","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ethiopiancommunityofcharlotte.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ethiopiancommunityofcharlotte.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ethiopiancommunityofcharlotte.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ethiopiancommunityofcharlotte.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=570"}],"version-history":[{"count":9,"href":"https:\/\/ethiopiancommunityofcharlotte.com\/index.php?rest_route=\/wp\/v2\/pages\/570\/revisions"}],"predecessor-version":[{"id":891,"href":"https:\/\/ethiopiancommunityofcharlotte.com\/index.php?rest_route=\/wp\/v2\/pages\/570\/revisions\/891"}],"wp:attachment":[{"href":"https:\/\/ethiopiancommunityofcharlotte.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=570"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}