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  • 14 Aug 2024 5:00 AM | Anonymous

    Prompt Results:

    Coaching can indeed have a significant impact on improving time management for Dry Cleaner Owners facing challenges in this area. It can help them prioritize tasks effectively, set achievable goals, and develop sustainable habits for personal and professional growth. Here is an assessment of the impact of coaching and various coaching techniques that can benefit Dry Cleaner Owners struggling with time management:

    Impact of Coaching:

    1. Improved Time Management: Coaching can provide Dry Cleaner Owners with the necessary tools and techniques to better manage their time, leading to increased productivity and efficiency in their operations.

    2. Enhanced Prioritization Skills: Coaches can assist owners in identifying and prioritizing tasks that are most critical to the success of their business, helping them focus on what truly matters.

    3. Goal Setting and Accountability: Through coaching, Dry Cleaner Owners can set realistic and achievable goals, with coaches providing the necessary support and accountability to ensure consistent progress.

    4. Development of Sustainable Habits: By working with a coach, owners can develop sustainable habits and routines that promote long-term growth and success, leading to improved work-life balance.

    Coaching Techniques:

    1. Goal Setting: Coaches can help Dry Cleaner Owners set Specific, Measurable, Achievable, Relevant, and Time-bound (SMART) goals that align with their business objectives.

    2. Time Blocking: This technique involves allocating specific blocks of time for different tasks, allowing owners to focus on one task at a time and avoid multitasking.

    3. Pomodoro Technique: This technique involves working in focused intervals (e.g., 25 minutes of work followed by a short break), which can help improve focus and productivity.

    4. Mindfulness Practices: Incorporating mindfulness techniques can help owners stay present, reduce stress, and make better decisions related to time management.

    Implementation and Potential Outcomes:

    To effectively implement coaching techniques for Dry Cleaner Owners, it is essential to:

    - Conduct an initial assessment to identify specific challenges and areas for improvement.

    - Create a tailored coaching plan that addresses the unique needs and goals of the owner.

    - Establish clear expectations, accountability measures, and regular check-ins to track progress.

    - Encourage continuous feedback and adjustments to ensure the coaching remains effective.

    Potential outcomes for Dry Cleaner Owners seeking to enhance their productivity and achieve a better work-life balance through coaching include:

    - Improved time management skills and increased productivity in daily operations.

    - Enhanced ability to prioritize tasks effectively and focus on key business objectives.

    - Development of sustainable habits that support personal and professional growth.

    - Greater work-life balance and reduced stress levels.

    Comparison of Coaching Styles:

    1. Transformational Coaching: This style focuses on personal growth, mindset shifts, and long-term transformation. It can be effective for Dry Cleaner Owners looking to make significant changes in their approach to time management and productivity.

    2. Transactional Coaching: This style emphasizes setting clear goals, tracking progress, and accountability. It may suit owners who prefer structured approaches and are looking for immediate results in improving their time management.

    Both coaching styles can be effective in improving personal productivity and work-life balance for Dry Cleaner Owners, depending on their preferences, needs, and readiness for change. The key is to align the coaching style with the owner's goals and objectives to maximize the benefits of the coaching process.

  • 14 Aug 2024 5:00 AM | Anonymous

    BioZaq Poly is the novel American manufacturer and hub of PVOH water soluble plastic resins, films and bags. How are these materials used?? Wow, so glad you asked.

    The film is similar to that employed by modular dosed detergent pods, now common and readily available. One of the commodity styled applications of this material: water dissolving soiled laundry bags used by the commercial laundries industry. The following paragraphs describe several categories of applications of this material, two of which are employed by the dry cleaning and commercial laundries industries:


    •BioZaq material is used for modular dosed items like detergent pods: agrochem pesticide concentrates (throw concentrate pouches into a tank of water), pouches of water treatment chemicals, cement additives, etc. This application category employs the material as packaging film, and uses the dissolving film properties to add doses to liquid mixes.

    • Another application is that of 'soiled linen bags', which is a commodity-style application employed heavily by the commercial laundries. Hospitals and surgery centers place their scrubs, uniforms and linens into a plastic bag that looks like a standard garbage bag; the bag is then shlepped over to the commercial laundries, and the whole bag (still sealed) is simply thrown into the laundry machine. The bag dissolves and out comes the clean clothes. This application reduces labor, reduces environmental impact, and... acts as an amazing barrier film! The bags help contain blood, feces, pathogens, mold, bed bugs, etc.


    •Another general use of this material: a more sustainable alternative to standard polyolephins. This use of the material would include the dry cleaner poly garment bags.


    Standard plastic garment bags are made of polyethylene, one of the most used materials on the planet. Society is more than aware of the giant islands of plastic in the ocean and the general effects of plastic on the environment as litter. However, the end-of-life expectations for plastics when properly disposed are not much greater. Polyethylene can take decades to begin to begin to break down in perfect composting conditions at a designated facility (which is still not advised, as to preserve the quality of the soil), but the process practically takes hundreds of years when put into a home-compost bin, left as litter, or sent to the landfills. Plastics are typically ‘fossilized’ in the landfills, or left as litter, and take some 450 years to begin to break down. In the sea, plastics can achieve some photo degradation if floating on the surface and thus exposed to the sun, though this means that the UV rays simply break up the plastic films into smaller pieces called ‘microplastics’ that are then mistaken as food and consumed by marine life. The microplastics are just mini pieces of plastic films, not decomposed. Microplastics are found in the bloodstream of the entire food chain, from sea creatures to humans. Microplastics may accumulate in organs and tissues, and may even be passed on to an unborn child. If plastics do decompose, the process releases significant greenhouse gasses.


    BioZaq water soluble film does not make microplastics. The film dissolves in water, like a sugar cube. When dissolved in water, the solution is non-toxic. Furthermore, even though the material dissolves in water, leaves no microplastics, and is non-toxic... the PVOH molecules in the solution are biodegradable.

    Garment bags can be made from this material. The film formulation can be adjusted to be more water resistant at cold water temperatures, and still act as a water barrier film when walking to/from the car in the rain; however, the bags will still be able to dissolve, either immediately by being submerged in hot water, or over a few months if left in cold water.
    While the laundry bags are a clear and amazing staple in the industry, the 'green garment bags' have a notably higher price than standard polyethylene. Accordingly, the garment bag application may appeal to some dry cleaners more than others, depending on the individual dry cleaner's styles and goals.

    "Dissolve away your laundry worries".


    More information may be found on the website BioZaq.com

  • 7 Aug 2024 6:00 AM | Anonymous

    Sales Tax Rate and Rule Updates: August 1, 2024

    The National Cleaners Association (NCA) strives to keep our members informed about important updates that impact their businesses. Each month, states make changes to sales tax rates and rules, and this month is no exception. Below is a summary of the rate and rule changes effective August 1, 2024, which may affect your business transactions. Being aware of these changes will help you avoid any surprises and ensure smooth operations.

    For those using accounting software like QuickBooks, these updates will be automatically reflected in the software, streamlining your sales tax management process. Additionally, you can use the free sales tax calculator within your accounting software to find rates for any US address.

    Sales Tax Liability Report

    Curious about your Sales Tax Liability report? Explore this newly published help article written by sales tax experts, available in your accounting software’s support section.

    Invoice Update

    Review your invoices for the latest layout updates. You will now see:

    • A new location of sale box
    • A before and after tax discount toggle
    • The ability to add rates directly on the invoice face

    Rate Updates

    Effective August 1, 2024:

    • Alabama (Skyline use tax)

    Tax Administration Updates

    Alabama

    • Gadsden: The administration of sales, use, and rental tax for the city of Gadsden will transfer from Avenu to the Alabama Department of Revenue, effective August 1, 2024. This change will impact reporting on or after September 1, 2024.
    • Pinckard: Similarly, the administration of sales, use, and rental tax for the town of Pinckard will move from Avenu to the Alabama Department of Revenue, effective August 1, 2024, with reporting changes taking effect from September 1, 2024.

    Content Updates

    Oklahoma

    • House Bill 1955: Effective August 29, 2024, Oklahoma exempts retail sales of food for human consumption off the premises where sold. All relevant tax categories will be marked as exempt starting from this date. More information on this change can be found here.

    Sales Tax Holidays

    Maximize your benefits during this year's sales tax holidays. We’ve added numerous new tax categories in the Sales Tax feature of QuickBooks Online. Learn how to map your products and services to these new categories with this quick tutorial.

    • Arkansas: August 3-4. During this period, certain electronic devices, school supplies, art supplies, instructional materials, and clothing are exempt from state and local sales and use tax.
    • Connecticut: August 18-24. Clothing and footwear costing less than $100 per item will be exempt from sales tax.
    • Florida: July 29 - August 11. Exemptions include clothing, footwear, certain accessories (up to $100), school supplies (up to $50), learning aids and jigsaw puzzles (up to $30), and personal computers and related accessories (up to $1500) for noncommercial home use.
    • Iowa: August 2-3. Clothing or footwear sold for less than $100 per item will be exempt from sales tax.
    • Maryland: August 11-17. Sales tax does not apply to clothing or footwear priced $100 or less, and the first $40 of a backpack/bookbag.
    • Massachusetts: August 10-11. Retail items up to $2,500 purchased for personal use will be exempt from sales tax.
    • Missouri: August 2-4. Exempt items include clothing and footwear, personal computers and peripherals, software, and general school supplies.
    • New Mexico: August 2-4. Qualifying tangible personal property will be sold tax-free.
    • Ohio: July 30 - August 8. Most items $500 or less are exempt. Previously, the holiday included only clothing and school supplies.
    • Oklahoma: August 2-4. Clothing and footwear sold for less than $100 per item are exempt from state and local sales taxes.
    • South Carolina: August 2-4. Exempt items include clothing, accessories, footwear, school supplies, computers, and bed and bath linens.
    • Texas: August 9-11. Most clothing, footwear, and school supplies priced less than $100 are included.
    • Virginia: August 2-4. Exempt items include school supplies, clothing, footwear, hurricane and emergency preparedness items, and Energy Star and WaterSense products.
    • West Virginia: August 2-5. Exempt items include clothing, footwear, instructional materials, school supplies, sports equipment, laptops, and tablets.

    Sales Tax News

    Kentucky

    • Collectible Bullions, Coins, or Currency: Kentucky's HB 8 provided an exemption for these items, starting August 1. However, due to a line item veto by the Governor, the Kentucky Department of Revenue's position is that these items remain taxable.
    • Credit Card Fees: According to the June 2024 Newsletter, if a retailer passes the cost of credit card fees onto the customer, the itemized charge for the fee is taxable.

    New Jersey

    • Sales Tax Holiday: Repealed by P.L. 2024, c. 19. Sellers should charge sales tax on all taxable items. More information can be found on the New Jersey Division of Taxation website.

    These changes have been released by the states as of the date of this email, and there may be other small changes enacted late or retroactively by the states.

    By staying informed through your accounting software and resources like QuickBooks, you can efficiently manage these updates and ensure compliance. For any questions or further details, please reach out to your software support or consult the relevant state tax authority.


  • 7 Aug 2024 5:30 AM | Anonymous


    We have received numerous calls from our membership concerning how their customers can safely remove perspiration stains during home laundering. First of all, this is a perfect opportunity to advise them about your wash and fold service. It’s also a perfect opportunity for you to “show off”  your garment care expertise to your customers.  

     

    If a fabric is affected by its contact with perspiration, the difficulty in the removal of the stain depends on the following factors:

     

    1.     The physical chemistry of the individual (the acid content in perspiration varies with each individual).

    2.     The type of antiperspirant used by the consumer (antiperspirants contain metallic salts and alcohols that may discolor dyes).

    3.     The type of medication(s) that the consumer may use (some types of medications may affect the acidity of their perspiration).

    4.     The conditions of wear.

    5.     The length of time that the perspiration was allowed to remain in the fabric prior to its laundering.

    6.     The characteristics of the fabric and dyestuffs.

     

    The safest, but least effective method for removing perspiration stains:

     

    1.     In a bowl, mix baking soda and water until it forms a paste.

    2.     Apply the paste to the stained areas of the garment.

    3.     Tamp (do not brush) the with the back of a stainless steel or wooden spoon.

    4.     Wait approximately 30 minutes.

    5.     Launder the garment in accordance with its care label.

     

     

     

    This procedure is more effective on oxidized or aged perspiration stains, but may carry a certain amount of risk:

    1.     Mix a solution containing 8oz. of water, 1 tablespoon of clear household ammonia, and ½ tablespoon mild laundry detergent.

    2.     Apply the solution to the stained area(s).

    3.     Tamp with the back of a stainless steel spoon.

    4.     Wait approximately 30 minutes.

    5.     Flush the areas with water.

    6.     Apply a solution of 3 parts water to 1 part vinegar (this will neutralize the ammonia).

    7.     Launder the garment in accordance with its care label.


  • 17 Jul 2024 5:30 AM | Anonymous

    As a dry cleaner owner, you may be missing out on a highly profitable service: the cleaning and restoration of outdoor or patio furniture cushion covers. Despite the demand for this service, many cleaners have yet to tap into this lucrative market. These cushion covers, often exposed to the elements, can accumulate stains from mold, mildew, animal droppings, tree sap, and air pollutants. Fortunately, most outdoor furniture upholstery is washable or wet cleanable, making it an excellent addition to your in-plant services.

    Why Offer Outdoor Cushion Cleaning?

    Outdoor cushions are a significant investment for homeowners, and maintaining them can extend their lifespan and keep them looking fresh and clean. By offering this service, you can meet the needs of your customers while boosting your business's profitability.

    Supplies Needed

    To get started with cleaning outdoor cushion covers, you'll need a few essential supplies. These can be sourced from your chemical supplier, who can also install a dedicated program for processing these items, or purchased from home improvement centers. Here’s what you’ll need:

    1. Commercial Detergent for Outdoor Fabrics: Specifically designed for outdoor materials, these detergents effectively remove dirt and grime without damaging the fabric.
    2. Commercial Anti-Microbial Agent: Essential for eliminating bacteria and microorganisms, ensuring the cushion covers are hygienically clean.
    3. Chemical Agent for Mold and Mildew Removal: These agents tackle stubborn mold and mildew stains, restoring the fabric’s original appearance.
    4. UV Protectant (Optional): Applying a UV protectant can help prevent future fading of the fabric from sunlight, extending the life of the cushion covers.

    Steps for Cleaning Outdoor Cushion Covers

    1. Inspection: Before starting the cleaning process, thoroughly inspect the cushion covers for any pre-existing damage, such as discoloration, fading, or weak and worn areas. Document these issues to manage customer expectations and avoid liability.

    2. Pre-Treatment: Apply the mold and mildew remover to any affected areas, allowing it to work according to the product’s instructions.

    3. Washing: Use the commercial detergent in your washing equipment, following the manufacturer’s guidelines for outdoor fabrics. Ensure that the covers are thoroughly cleaned and rinsed.

    4. Anti-Microbial Treatment: After washing, apply the anti-microbial agent to eliminate any remaining bacteria and microorganisms.

    5. UV Protection: If you choose to offer UV protection, apply the UV protectant to the clean cushion covers and allow it to dry completely.

    Benefits of Adding This Service

    • Increased Revenue: By offering outdoor cushion cover cleaning, you can attract new customers and increase your service offerings to existing ones.
    • Customer Satisfaction: Providing this service can enhance customer loyalty, as homeowners appreciate the convenience and expertise you bring to maintaining their outdoor furniture.
    • Differentiation: Stand out from competitors by offering specialized cleaning services that cater to a growing market demand.

    Conclusion

    Adding outdoor cushion cover cleaning to your dry cleaning services can be a highly profitable and valuable addition. With the right supplies and procedures, you can effectively clean and restore these items, meeting customer needs and boosting your business’s bottom line. Don’t miss out on this opportunity to expand your services and increase customer satisfaction.


  • 17 Jul 2024 5:00 AM | Anonymous


    The Occupational Safety and Health Administration (OSHA) is proposing new rules to prevent heat-related injuries and illnesses in both outdoor and indoor work environments. This move aims to address the leading cause of weather-related fatalities in the U.S., ensuring safer conditions for workers exposed to hazardous heat. The proposed regulations will require employers across various sectors to develop comprehensive heat protection plans, potentially reducing the average annual fatalities and injuries significantly. Public comments are encouraged to shape the final rule, ensuring it is both effective and feasible.

    Public Comment:
    Public comments play a crucial role in shaping OSHA's final rule on heat exposure by providing diverse perspectives and insights from stakeholders, including business owners, workers, and safety experts. These comments help OSHA understand the practical implications, potential challenges, and industry-specific concerns related to the proposed regulations. By analyzing this feedback, OSHA can refine the rule to ensure it is effective, feasible, and tailored to the needs of various sectors. This collaborative process aims to create well-balanced and comprehensive safety standards that protect workers while being practical for employers to implement.


    Specific Requirements in OSHA's Proposed Heat Exposure Rule

    The proposed OSHA rule includes several key requirements to ensure the safety of workers exposed to high heat:

    1. Heat Protection Plans: Employers must develop and implement a written plan to protect workers from heat-related injuries and illnesses.

    2. Training Programs: Mandatory training for workers and supervisors on recognizing heat stress symptoms and prevention methods.

    3. Monitoring and Response: Procedures for monitoring heat conditions and ensuring timely medical response for affected workers.

    4. Engineering and Administrative Controls: Implementation of engineering controls like ventilation and cooling, and administrative controls such as work/rest cycles.

    For more information, visit OSHA's Heat Exposure Rulemaking page

  • 3 Jul 2024 5:00 AM | Anonymous

    Corporate Transparency Act - An Update - IMPORTANT

    IMPORTANT INFORMATION FOR ALL SMALL BUSINESS OWNERS: 

    The Corporate Transparency Act (CTA), enacted by Congress in 2021, aimed to address serious issues such as money laundering, financing of terrorist activities, and tax evasion. However, the National Small Business Association (NSBA) has filed a brief with the Eleventh Circuit, urging it to uphold a lower court’s finding that the CTA is unconstitutional. This move is accompanied by legislative efforts to repeal the law.

    The Intent and Requirements of the CTA

    The CTA mandates that specified business entities must file beneficial ownership information about their owners, officers, and other control persons with the Treasury’s Financial Crimes Enforcement Network (FinCEN). These initial reporting requirements took effect in January, with penalties for noncompliance including substantial fines and imprisonment.

    Constitutional Concerns

    The NSBA argues that the CTA’s reporting requirements compel US citizens and residents to report sensitive personal information, violating their constitutional rights. An Alabama federal district court concurred in March, ruling that Congress had overstepped its foreign affairs, commerce, and tax powers in enacting the CTA. Consequently, the court enjoined enforcement of the CTA’s beneficial ownership information filing requirements for NSBA members, though all other business entities must still comply. THIS IS IMPORTANT - ALL SMALL BUSINESSES FOR THE MOST PART ARE REQUIRED TO COMPLY.

    The Appeal and Fourth Amendment Issues

    The case is now on appeal before the Eleventh Circuit. NSBA’s attorneys argue that the district court correctly found the CTA exceeds Congress’ Article I powers. They also contend that the CTA violates the Fourth Amendment’s protections against unreasonable searches and seizures. According to the NSBA, requiring businesses to submit beneficial ownership information for law enforcement purposes constitutes a "search." They argue that the CTA is essentially a workaround to the Fourth Amendment’s warrant requirement, facilitating the fight against financial crimes more efficiently but unconstitutionally.

    Legal Precedents and Arguments

    The NSBA’s brief draws a parallel to the 1979 US Supreme Court case Brown v. Texas, where the Court struck down a state statute that allowed police to detain individuals and require their names and addresses without a specific basis for suspicion. The NSBA argues that the CTA similarly violates constitutional protections by demanding sensitive information without specific suspicion of wrongdoing.

    Diverging Opinions

    Thomas Lee, co-author of the NSBA brief, asserts that collecting massive amounts of data from millions of law-abiding small-business owners is not only unconstitutional but also ineffective for addressing law-enforcement and national-security threats. Conversely, Zorka Milin of the Financial Accountability and Corporate Transparency (FACT) Coalition defends the CTA, stating that the law is within Congress’ powers and that the information required is routine and non-incriminatory. The FACT Coalition, along with other organizations and subject matter experts, has filed amicus curiae briefs supporting the CTA’s constitutionality.

    Legislative Efforts to Repeal the CTA

    Amid these legal challenges, legislative efforts are also underway to repeal the CTA. Representative Warren Davidson (R-OH) introduced a bill (HR 8147) to repeal the CTA, followed by Senator Tommy Tuberville (R-AL) with a Senate bill (S 4297). These lawmakers argue that the CTA unfairly targets small business owners and imposes severe penalties for noncompliance, including up to two years of jail time and fines of up to $10,000 per violation.

    Davidson criticizes FinCEN for violating the personal privacy of American business owners by mandating the disclosure of sensitive information. Tuberville echoes this sentiment, highlighting the unprecedented intrusion into personal privacy and the severe penalties for noncompliance.

    Conclusion

    As the Eleventh Circuit considers the appeal, the debate over the CTA’s constitutionality and its impact on small businesses continues to intensify. The outcome of this case will have significant implications for the balance between financial transparency and constitutional protections.

    URLs

    National Small Business Association 

    Financial Crimes Enforcement Network (FinCEN) 

    FACT Coalition 


  • 1 Jul 2024 7:00 AM | Anonymous


    As the marketing landscape continues to evolve rapidly in 2025, service businesses must adapt to new trends and technologies to stay ahead of the curve. Here are twelve strategic imperatives to ensure your marketing efforts thrive in the coming year.

    Focus on Customer Profiles and Feedback Loops

    Creating Unified Customer Profiles for Service Businesses

    In the dynamic world of 2025, creating unified customer profiles and establishing continuous feedback loops are critical for understanding and responding to consumer needs. For service businesses, this means gathering data from multiple touchpoints such as appointment bookings, customer service interactions, feedback forms, and social media engagement. Implementing a Customer Relationship Management (CRM) system like Salesforce or HubSpot can help consolidate and organize this data into a single, unified profile. Regularly analyzing this data to identify patterns and segment customers based on behavior, preferences, and demographics allows for more precise and personalized marketing efforts.

    Establishing Continuous Feedback Loops for Service Businesses

    Feedback loops provide ongoing insights into customer experiences and expectations. For service businesses, this involves implementing feedback mechanisms like follow-up emails, SMS surveys, or feedback forms post-service to gather valuable customer opinions. Actively monitoring social media and review platforms helps understand customer sentiment and identify areas for improvement. Regularly reviewing feedback and taking actionable steps to address concerns demonstrate a commitment to meeting customer needs, fostering long-term relationships and brand loyalty.

    Predictive Analytics for Service Businesses

    Leveraging Predictive Analytics

    Predictive analytics is becoming a cornerstone of effective marketing strategies, offering the ability to foresee customer needs and behaviors before they arise. For service businesses, this involves gathering extensive historical data on customer behaviors, transactions, and interactions. Investing in predictive analytics tools like SAS Analytics, IBM Watson, or Google Analytics enables the processing and analysis of large datasets. Developing predictive models with the help of data analysts allows businesses to anticipate customer demands, tailor their offerings, and create highly relevant content. Integrating these tools with your CRM and marketing platforms ensures real-time personalization, delivering the right message at the right time.

    Empowerment and Learning for Service Businesses

    Empowering Customers

    Empowering customers to take control of their data and preferences is a growing trend that places them at the center of the marketing experience. For service businesses, this involves providing data control options through user-friendly online portals, allowing customers to update their profiles, service preferences, and appointment settings. Offering customization options and clearly communicating how customer data is used enhances transparency and trust, leading to higher engagement rates and stronger brand loyalty.

    Cultivating Continuous Learning

    Continuous learning within marketing teams is vital in adapting to the fast-paced digital landscape. Service businesses should encourage regular training sessions to keep staff updated on the latest service techniques and customer service best practices. Fostering a culture of experimentation where staff can suggest and test new ideas for improving service delivery promotes innovation. Staying informed through industry newsletters, webinars, and conferences ensures marketing strategies remain cutting-edge and effective. Implementing internal feedback mechanisms allows team members to share insights and learnings, creating a collaborative environment focused on continuous improvement.

    Purpose-Driven Marketing for Service Businesses

    Defining and Communicating Purpose

    Purpose-driven marketing is more than a trend; it's a necessity in today's socially conscious marketplace. Service businesses need to clearly define their mission, vision, and core values, and ensure these principles are reflected in every aspect of their operations. This might include sustainability initiatives, community engagement, or ethical business practices. Developing marketing campaigns that highlight your commitment to these values helps build stronger emotional connections with your audience, enhancing brand loyalty and differentiation. Engaging with the community through participation in local initiatives and supporting relevant causes demonstrates a commitment to making a positive impact. Regularly sharing updates on your purpose-driven initiatives through blogs, social media, and other communication channels keeps your audience informed and engaged, fostering long-term loyalty.

    The year 2025 promises to be an exciting time for marketing, with new opportunities and challenges on the horizon. By focusing on creating unified customer profiles, leveraging predictive analytics, empowering customers, cultivating continuous learning, and implementing purpose-driven marketing, service businesses can position themselves for success. These strategic imperatives ensure a comprehensive and adaptive marketing strategy that prioritizes the customer and fosters long-term growth and loyalty. Stay ahead of the curve and thrive in the ever-evolving marketing landscape.


  • 26 Jun 2024 7:46 PM | Anonymous

    The body normally cools itself by sweating. During hot weather, especially in high humidity conditions like a dry cleaning plant, sweating isn't enough. Body temperature can rise to dangerous levels if workers don't drink enough water and take periodic breaks in a well ventilated, low light space. Without reasonable precautions workers can suffer from heat exhaustion or heat stroke.


    In 2023, the United States saw a record number of heat-related deaths, with more than 2,300 people dying from excessive heat. That is the highest number since they have been tracking it.  Between Jan. 1, 2023 and Dec. 31, 2023, there were a total of 119,605 ER visits for heat-related illnesses, with 92% of those visits occurring between May and September, according to a report published by the Centers for Disease Control and Prevention. Heat illnesses and deaths are preventable.

    OSHA requires employers to provide a safe workplace, including protection from extreme heat.


    Here are some things you can do to protect your workers from excessive heat.

    • Make arrangements to increase the delivery schedule for your water cooler.

    • Make arrangements to have ice, ice coolers and water bottles on hand.

    • Make towels available for workers to wet down with cold water.

    • Make sure every work station has a properly operating fan and cool water.

    • Instruct workers to drink water at least every 15 minutes, even if they are not thirsty.

    • Instruct workers to wear cool, looser fitting clothes made from natural fibers (cotton) that will breathe.

    • Allow frequent breaks for workers to rest in a location that provides respite from the heat.

    • Allow new or returning workers to gradually increase workloads and take more frequent breaks as they acclimatize, or build a tolerance for working in the heat.

    • Adjust working hours to avoid having employees work during the hottest part of the day

    • Make sure all steam pipes and hoses are insulated.

    • Plan for emergencies and train workers on signs of heat distress.

    • Encourage workers to ‘keep an eye’ on each other

    • Require supervisors to monitor workers for signs of illness.


  • 19 Jun 2024 5:02 AM | Anonymous

    FACTS ABOUT REDEPOSITION

    When insoluble particles are released from a fabric while being cleaned, the soil particles will become suspended in the solvent and picked up by the filter.  However, before passing through the filter, loose soil particles may be attracted to a fabric in the wheel, which results in an overall gray or dull appearance. 

    Sometimes the redepostion will be limited in area to a streak or blotch.  Not every garment in a load may be affected.  Often, only one garment is affected.  Resin finishes, which give the fabric easy care features, attract loose soil particles.  Polyester, nylons, acrylics as well as woolens when abraded (from the rotation of the drum) during dry cleaning, become electrically charged and attract loose soil particles.  Once attracted to the resin finish or electrically charged fibers, these particles cannot be easily released.

    SUGGESTIONS TO AVOID REDEPOSITION

    The two basic objectives in avoiding redeposition are to remove the soil from the garment and then to remove soil from the solvent as quickly as possible.  Even where solvent purity is properly maintained, redeposition may occur under certain predictable circumstances, which can usually be avoided.

    (1)   Improve the flow of solvent from the wheel, through the filter, and back to the wheel. The complete changeover of solvent in the machine should require no more than 1 minute.  The possibility of redeposition increases as the flow of solvent decreases. The reason for a slow solvent flow may be the result of clogged disc filters or cartridges, a faulty or clogged solvent pump, a clogged button trap or pump screen, or clogged inlet or outlet lines.  High or low filter pressure could be an indication of a filter problem.

    (2)   Pure solvent. If the machine is fitted with a still, distillation is required to remove solvent soluble impurities.  The filter removes only the insoluble soil such as soot, carbon and dust, and lint.  For each 100 pounds of garments, it is desirable to distill at least 10 gallons of solvent. Spin disk filters require more distillation to maintain the purity of the solvents (16 gal per 100lbs). If the machine is not fitted with a still, large format cartridge filters that contain either clay or a larger carbon core are sometimes used in machines that do not use perchloroethylene. These filters will remove solvent-soluble as well as insoluble impurities from the solvent. These types of filters must be changed in accordance with the manufacturer’s recommendations.

    (3)   Improper detergent injection or detergent concentration charge.  Most detergents hold insoluble soil in suspension.  Detergents are also helpful in minimizing the undesirable effect of moisture on many fabrics.  The detergent manufacture suggestion for concentration and addition should be maintained. 

    (4)   Proper load classification.  Dark color garments usually release more dye and can be assumed to carry more soil.  When light and dark colored garments are dry cleaned in the same load, redeposition is more likely.

    (5)   High moisture retentive fabric.  Many fabrics such as cotton, wool and rayon can retain a high percentage of moisture and will attract more loose soil when wet or damp.  If these garments are not allowed to dry after wetside spotting, they will attract soil when loaded into the dry cleaning machine.

    (6)  Overloading the wheel prevents circulation of the solvent especially to the center of the load.  The insoluble particles become trapped and are more easily redeposited onto the fabric instead of being pumped through the filter.

    (7)   Excessive solvent temperatures. Solvent temperatures should be maintained between 75-80 degrees F.  Hot solvent releases moisture and dyes that can contribute to redeposition

    (8)   Excessive dyes and impurities.  The solvent color should be lighter that the color of a light beer.  Increased distillation and (or) more frequent carbon cartridge changes will aid in solvent maintenance.

    (9)   A malfunctioning still that releases impurities along with the distillate.

    Determining redeposition on garments

    a.       Applying oily type paint remover or a P.O.G. to the affected area(s)

    b.      Tamp vigorously.

    c.       Apply a few drops of ammonia

    d.      Tamp vigorously.  If the area becomes lighter, the problem is redeposition.

     

    Correction Procedure

    The procedure for the removal of redeposition is time consuming and is frequently unsuccessful.  Localized areas should be pre-spotted with oily type paint remover or a P.O.G., then tamped and rerun.  Sometimes rust remover is effective on an affected area that attracted metallic impurities.  For large areas use the following:

    (1)   Soak the garment in a high detergent concentration in the basket.

    (2)   Batch the garment for 10 minutes, then run on filter for 8 minutes.

    (3)   If the previous method was unsuccessful, try soaking the garment overnight, using sodium perborate or sodium percarbonate (2 ounces/gallon of water) with a mild synthetic laundry detergent. Rinse thoroughly, then neutralize the bleach by souring with a mild acid. Rinse again.    

               Correcting soil redeposition is time consuming and the results are unpredictable.  It is far better to avoid redeposition with the following:

    (1)   A properly functioning still and filter

    (2)   Proper load classification

    (3)   The addition of clear (“make-up”) solvent

    (4)   Proper solvent temperatures

    SOLVENT PERFORMANCE TEST

    Take a white cotton swatch or handkerchief and cut it in half.  Clean one half and use the un-cleaned half for a control.  Compare the color both pieces after cleaning.


News Update:

We have been made aware that National Waste sold its facility to Clean Earth.

www.cleanearth.com/contact

If you visit, www.cleanearth.com/contact and fill out the form, you can get registered as a customer.

Clean Earth Phone Number: 866-303-7644

Another option for waste removal is.

Clean Harbors- Clean Harbors recently purchased Safety Clean

Visit www cleanharbors.com/locations for a complete list of the facilities.

example NY  631-703-3451     Bridgeport NJ 856-467-3103

ERC FAQ's



I already received PPP. Can I still get the ERC?

The simple answer is YES! On December 27, 2020, The Taxpayer Certainty and Disaster Tax Relief Act of 2020 was enacted. This Act modified the ERC credit rules. One change included a modification that permits a company to have a PPP loan, and also be able to take advantage of the ERC credit. But, you may not use the same dollar for dollar funds. We consider this when we process your ERC credit.

How will my ERC tax credit be disbursed?

We are proud to have established the ERC Master Trust for the benefit of our clients’ Tax Refunds. Eastern Point Trust Company (EPTC) — the same prestigious Trust Company that assisted in disbursing the Flint Contaminated Water Fund, The NFL CTE Concussion Fund, the Bernie Madoff Settlement Fund, and many other nationally known Escrow accounts — is our trust company. Feel safe knowing that all funds received are deposited directly into the Eastern Point Trust Company and are placed into the ERC Master Trust; then dispersed into separate sub-trust accounts for each individual client.

How do I repay the ERC Credit?

Another simple answer…You don’t! The ERC credit IS NOT A LOAN! The ERC credit is a refundable tax credit that you are eligible to receive if you meet the criteria. If you do not file for the ERC credit and are eligible for it, you will lose out on receiving thousands, or even millions of dollars that are actually owed to you.


How long does it usually take to get my ERC Credit?

The process works in 5 easy steps:

  • You submit our pre-qualifying questionnaire.
  • You will receive a link to upload the documents we will request.
  • Within 2-7 days (and at no charge), we provide you the exact dollar amount of the credit you are owed.
  • If you decide to contract with us, you will select a payment option, and your claim will be filed.
  • Your refund will be generated by the IRS (there is currently a 20-week minimum backlog for ERC refunds).

Why should I contract ERC Helpdesk…can’t my CPA file for me?

The only service ERC Helpdesk provides is the calculation and filing for ERC refunds—which is based on your payroll. Your CPA likely handles your business income tax returns. ERC is likely not their specialty. While your CPA can file for your ERC, it is highly likely that because of their unfamiliarity with The Cares Act and ERC credit, they might miss important findings that can make your ERC refund greater. To put it in simpler terms, we are ERC credit experts; your CPA is a tax specialist. You need an ERC expert to maximize the opportunity for a greater ERC refund. In fact, many CPAs and payroll companies do not want to file ERC and refer their clients to us.

Can I qualify for the ERC program if my 2020 revenue went up?

Another resounding, “YES!” There are two qualifiers for 2020: either revenue reduction, or a “full or partial shutdown of your business due to COVID-19.” The IRS describes this as “A government authority required partial or full shutdown of your business during 2020 or 2021. This includes your operations being limited by commerce, inability to travel or restrictions of group meetings.” These are some examples of possible qualifying events:

A business that ordinarily met with clients in person had to cancel meetings due to COVID-19.

A restaurant was forced to close and/or limit its on-site dining capacity due to COVID-19 restrictions.

Supply chain interruptions caused your business to have delayed production timelines.

COVID-19 restrictions lowered the amount of people who could attend an event with your business.

Your business had to reduce operating hours due to COVID-19 cleaning requirements and restrictions.

Will the IRS run out of ERC funds?

The government has funded $400 billion for the ERC credit program. When the funds are exhausted, the program will end. If you are an eligible employer, currently, there are funds available, and you will receive the ERC credit. The faster you file, the more likely you are to receive your credit.

As an owner, do my wages or the wages of any family member I employ qualify?

Maybe. Wages of owners who have majority ownership, defined as over 50%, do not qualify, nor do the W2 wages of any immediate family members of the owner. In the case an owner has 50% or less ownership, their W2 wages qualify, as do the W2 wages paid to immediate family members.

Is the ERC Credit taxable?

For federal income tax purposes, you will need to provide the credit information to your CPA and report it on your tax return.

We have researched the Employee Retention Credit, but we do not offer accounting or legal advice. Please contact your attorney and CPA regarding this program.

Blog posts

According to the record, The City Council took this action based on the recommendation of the Workplace Taskforce, of which the NCA was an active member.

On July 18, 2021, the City enacted Local Law 80 of 2021, which repeals the licensing requirement for retail laundries. This repeal goes into effect on December 31, 2021.

Beginning December 31, 2021, you will no longer need a Retail Laundry license from DCWP to operate your retail laundry business. Because the license is no longer required, DCWP will no longer accept new or renewal license applications.

NOTE: Industrial Laundry and Industrial Laundry Delivery businesses will continue to be licensed. The license repeal is only for Retail Laundries.

NEXT STEPS:

On December 31, 2021, your current Retail Laundry license will expire and you may take down DCWP’s license sign. You will not need to surrender or renew your Retail Laundry license.

Even though you will no longer need a license for your retail laundry, you will still be required to comply with other laws DCWP enforces, such as:

  • Your business’s bills, tickets, business cards, advertising and stationery must list your business name and address;
  • Every document (example: receipt, delivery ticket, invoice, statement, etc.) that contains charges to a consumer must accurately and clearly state each of the laundry charges, not just the total charge;
  • All vehicles used for delivery of laundry must include your business’s name, address, and telephone number in letters at least 2 inches in height;
  • You must post a price list where orders are placed or payments are made by consumers;
  • Your price list must contain a list of services offered, the minimum price charged for each service, and a description of any factors that may cause the price to be higher than the minimum. Your price list must not contain different prices for men and women for the same services;
  • If scales are used to weigh laundry on the premises, each scale must have a DCWP seal and must be inspected annually;
  • If your business offers self-service laundry machines to the general public:
  • an attendant must be on site from 8:00 P.M. until closing or 6:00 A.M. the following day, whichever is earlier; and
  • you must post a sign in a location that is clearly visible to consumers which states to whom complaints and claims for refunds must be made.


Repeal of Retail Laundry License


COVID-19 Response Document


https://www.governor.ny.gov/news/no-20213-continuing-temporary-suspension-and-modification-laws-relating-disaster-emergency

Sections 3203 and 4510 of the Insurance Law are modified to extend the grace period for the payment of premiums and fees to 90 days for any life insurance policyholder or fraternal benefit society certificate holder, as those terms are used in such sections, facing a financial hardship as a result of the COVID-19 pandemic;  

Sections 3203, 3219, and 3220 of the Insurance Law are modified to provide a life insurance policyholder or annuity contract holder or a certificate holder, as those terms are used in such sections, under a group policy or contract with 90 days to exercise rights or benefits under the applicable life insurance policy or annuity contract for any policyholder or contract holder or certificate holder under the group policy or contract who is unable timely to exercise rights or benefits as a result of the COVID-19 pandemic;

Section 1116 and Articles 34, 53, 54, and 55 of the Insurance Law and Sections 54 and 226 of the Workers’ Compensation Law are modified to impose a moratorium on an insurer canceling, non-renewing, or conditionally renewing any insurance policy issued to an individual or small business, or, in the case of a group insurance policy, insuring certificate holders that are individuals or small businesses, for a period of 60 days, for any policyholder, or in the case of a group insurance policy, group policyholder or certificate holder, facing financial hardship as a result of the COVID-19 pandemic.  The foregoing relief shall also apply to the kinds of insurance set forth in paragraphs (16), (17), (20), (21), (24), (26), and (30) of Section 1113(a) of the Insurance Law.  For purposes of this Executive Order, a small business shall mean any business that is resident in this State, is independently owned and operated, and employs one hundred or fewer individuals;

City

New York City – 5 Boroughs

NY Hero Act, Model Airborne Infectious Disease Exposure Prevention Plan

Protecting New York Workers from Airborne Diseases

On May 5, 2021, Governor Andrew Cuomo signed the New York Health and Essential Rights Act (NY HERO Act) into law. The law mandates extensive new workplace health and safety protections in response to the COVID-19 pandemic. The purpose of the NY HERO Act is to protect employees against exposure and disease during a future airborne infectious disease outbreak.

Under this new law, the New York State Department of Labor (NYS DOL), in consultation with the NYS Department of Health, has developed a new Airborne Infectious Disease Exposure Prevention Standard, a Model Airborne Infectious Disease Exposure Prevention Plan, and various industry-specific model plans for the prevention of airborne infectious disease. Employers can choose to adopt the applicable policy template/plan provided by NYS DOL or establish an alternative plan that meets or exceeds the standard’s minimum requirements.

The airborne infectious disease exposure prevention plans must go into effect when an airborne infectious disease is designated by the New York State Commissioner of Health as a highly contagious communicable disease that presents a serious risk of harm to the public health. 

Currently, while employers must adopt plans as required by the law, as of the date of this writing no designation has been made and plans are not required to be in effect.

The standard and model plans are available in English and will be available in Spanish in the coming days. Employers are required to provide a copy of the adopted airborne infectious disease exposure prevention plan and post the same in a visible and prominent location within each worksite.

Templates that apply to the Dry Cleaning Industry

Eviction Updates by State


Economic Injury Disaster Loan Assistance:

https://www.sba.gov/disaster/apply-for-disaster-loan/index.html

Online Application:

https://covid19relief.sba.gov/#/

U.S. SMALL BUSINESS ADMINISTRATION ECONOMIC INJURY DISASTER LOAN SUPPORTING INFORMATION

https://www.sba.gov/disaster/apply-for-disaster-loan/pdfs/Economic%20Injury%20Disaster%20Loan%20Supporting%20Information%20(P-019).pdf

Additional Forms

A Disaster Assistance loan officer may request you to fill out the following additional forms:

Home Loans or Sole Proprietor Loans

Download corresponding forms below:

Mailing Instructions

All required documents listed below under Forms must be returned. All forms requiring signature must be signed and dated. Incomplete applications will not be accepted.

U.S. Small Business Administration

Processing and Disbursement Center

14925 Kingsport Rd.

Ft. Worth, TX 76155-2243

If you have any questions, please contact 1-800-659-2955 or (TTY) (800) 877-8339

Use this form to upload your disaster loan application.

the 100 most active SBA 7(a) lending banks

https://www.sba.gov/article/2020/mar/02/100-most-active-sba-7a-lenders

State

New York- Insurance

NYS Executive Order 202.13   Re-Insurance Law Modifications

Insurance Carriers must allow a 60 day grace period

https://www.governor.ny.gov/news/no-20213-continuing-temporary-suspension-and-modification-laws-relating-disaster-emergency

Sections 3203 and 4510 of the Insurance Law are modified to extend the grace period for the payment of premiums and fees to 90 days for any life insurance policyholder or fraternal benefit society certificate holder, as those terms are used in such sections, facing a financial hardship as a result of the COVID-19 pandemic;

• Sections 3203, 3219, and 3220 of the Insurance Law are modified to provide a life insurance policyholder or annuity contract holder or a certificate holder, as those terms are used in such sections, under a group policy or contract with 90 days to exercise rights or benefits under the applicable life insurance policy or annuity contract for any policyholder or contract holder or certificate holder under the group policy or contract who is unable timely to exercise rights or benefits as a result of the COVID-19 pandemic;

• Section 1116 and Articles 34, 53, 54, and 55 of the Insurance Law and Sections 54 and 226 of the Workers’ Compensation Law are modified to impose a moratorium on an insurer canceling, non-renewing, or conditionally renewing any insurance policy issued to an individual or small business, or, in the case of a group insurance policy, insuring certificate holders that are individuals or small businesses, for a period of 60 days, for any policyholder, or in the case of a group insurance policy, group policyholder or certificate holder, facing financial hardship as a result of the COVID-19 pandemic.  The foregoing relief shall also apply to the kinds of insurance set forth in paragraphs (16), (17), (20), (21), (24), (26), and (30) of Section 1113(a) of the Insurance Law.  For purposes of this Executive Order, a small business shall mean any business that is resident in this State, is independently owned and operated, and employs one hundred or fewer individuals;

Small Business

Federal

CARES

The Coronavirus Aid, Relief, and Economic Security (CARES) Act allocated $350 billion to help small businesses keep workers employed amid the pandemic and economic downturn. Known as the Paycheck Protection Program, the initiative provides 100% federally guaranteed loans to small businesses who maintain their payroll during this emergency.

What will lenders be LOOKING FOR?

In evaluating eligibility, lenders are directed to consider whether the borrower was in operation before February 15, 2020, and had employees for whom they paid salaries and payroll taxes or paid independent contractors.

Lenders will also ask you for a good faith certification that:

1. The uncertainty of current economic conditions makes the loan request necessary to support ongoing operations

2. The borrower will use the loan proceeds to retain workers and maintain payroll or make mortgage, lease, and utility payments

3. Borrower does not have an application pending for a loan duplicative of the purpose and amounts applied for here

4. From Feb. 15, 2020, to Dec. 31, 2020, the borrower has not received a loan duplicative of the purpose and amounts applied for here (Note: There is an opportunity to fold emergency loans made between Jan. 31, 2020 and the date this loan program becomes available into a new loan)

If you are an independent contractor, sole proprietor, or self-employed individual, lenders will also be looking for certain documents (final requirements will be announced by the government) such as payroll tax filings, Forms 1099-MISC, and income and expenses from the sole proprietorship.

Revised PPP application form (4/2/2020)

https://home.treasury.gov/system/files/136/Paycheck-Protection-Program-Application-3-30-2020-v3.pdf

Revised PPP Loan Updated (6/2020)

As of Thursday morning, the Senate unanimously approved a new bill that makes PPP loans more flexible in how and when they’re used. The House passed its version last week. Now, the bill just needs to be signed by the president for it to become law.

The centerpiece of the CARES Act, the PPP, was intended to prop up small businesses like dry cleaners and help keep small business employees on the payroll. Loans can be for 2.5 times payroll costs, with no collateral. Most significantly, PPP loans can be forgiven, fully or in part, depending on if borrowers maintain headcounts and payrolls at pre-pandemic levels and use their loan for permitted expenses.  Many cleaners applied for, and some received this assistance

The money can be used for payroll (no more than $100,000 annual salary per employee) as well as benefits (including paid sick leave and insurance premiums) and taxes on compensation. The new bill passed by the Senate allows for up to 40% (rather than 25%) of the loan to be used to cover mortgage interest, rent, and utilities.

The new bill also expands the amount of time borrowers have to spend their loan and have them forgiven. Before, covered expenses had to be incurred over the eight weeks right after loan disbursement. Now, small business owners have 24 weeks. Also, they have until December 31, 2020 (instead of June 30) to rehire or restaff up to their pre-pandemic level.

Any portion of the loan that is not forgiven will carry an interest rate of 1.0% and is due to be paid back within five (instead of two) years. However, payments are deferred for the first six months. There’s no pre-payment penalty.


PPP Loan Forgiveness

Borrowers will have their loans forgiven if they use the money for designated expenses. Participants are eligible for loan forgiveness for the amounts spent on authorized expenses over 24 weeks after loan disbursement.

Total payments for payroll may be forgivable. Mortgage interest, rent, and utilities are also forgivable, up to 40% of the PPP loan. (Note that if your loan is forgiven, these expenses covered by the loan are not tax-deductible, the IRS recently stated in Notice 2020-32.)

To get the entire amount of the loan forgiven (assuming that at least 60% is spent on payroll and the rest on permitted expenses), you must meet two criteria. 

First, the full-time employee headcount cannot decline from average monthly levels during 2019 or during the past 12 months. If your business launched in the second half of 2019, you can use average headcounts from January 1, 2020, to February 29, 2020. If your business is seasonal, you can base your monthly averages on numbers from February 15, 2019, or March 1, 2019, to June 30, 2019.

Second, for loans to become full grants, employers cannot cut salaries or wages. If they do, the forgiven amount will be reduced. Employers who already let workers go (between February 15 and April 26, 2020) have until December 31 to restaff.

The SBA has released the application for PPP loan forgiveness. It is two pages, plus nine pages of instructions and worksheets.  Three big changes to note:

1.      Instead of having to use your loan to cover the eight weeks right after loan disbursement, borrowers can start with the first pay period after the loan disbursement. (So if you receive the loan on Thursday, and your next pay period starts on Sunday, you can start with that Sunday pay period.)

2.      Borrowers are not required to report all allowed non-payroll costs (i.e., rent, mortgage interest, and utilities) if they don’t want to include them in the forgiveness amount. Before, there was some confusion over this; the flexibility may help borrowers keep their non-payroll costs within the required percentage (25%).

3.      The SBA recognizes that some employees who have been let go may get new jobs, or some may be fired with cause. So now there is a safe harbor for these situations.

--  The SBA has a summary of loan terms here.  link address.....https://home.treasury.gov/system/files/136/PPP--Fact-Sheet.pdf 

If you were wary of applying for PPP money before due to the nebulous information regarding forgiveness, consult with your accountant about whether the new terms make it a more comfortable fit for your business.

To increase your likelihood of getting money in the new round of funding, you should line up a bank and apply right away. Applications have slowed down compared to the first round, but the program is first-come, first-served. The deadline is June 30.  


Small Business Continuity Fund

1. As of March 27th, applications are open for INTEREST-FREE LOANS through the Small Business Continuity Fund. Go to https://www1.nyc.gov/nycbusiness/article/nyc-small-business-continuity-loan-program

The Fund, a public-private partnership between Goldman Sachs 10,000 Small Businesses, Tapestry, Inc.’s Coach Foundation and Pursuit, offers loans of up to $75,000 to small businesses in New York City as they deal with various challenges in response to the novel coronavirus. To qualify, businesses must:

• Be located within the five boroughs of New York City

• Demonstrate that the COVID-19 outbreak caused at least a 25% decrease in revenue

• Employ 99 employees or fewer in total across all locations • Demonstrate ability to repay the loan

• Have no outstanding tax liens or legal judgments

As part of the application, businesses will be required to demonstrate a revenue decrease by providing documentation such as: point-of-sales reports, bank statements, quarterly sales tax filings, 2019 tax returns, or CPA-certified profit & loss statements. Goldman Sachs Foundation will provide a grant to support technical assistance and capacity-building for the Small Business Continuity Fund.


The Employee Retention Grant Program

2. The Employee Retention Grant Program is available to help small businesses deal with the impact of COVID-19. Go to https://www1.nyc.gov/nycbusiness/article/nyc-employee-retention-grant-program

The City has launched the Employee Retention Grant Program to help retain employees as businesses face decreased revenue.

This program is available to New York City businesses with:

a. one to four employees and

b. can demonstrate at least a 25% decrease in revenue as a result of COVID-19.

Eligible businesses will receive a grant covering up to 40% of their payroll for two months. Businesses can access up to $27,000.

Who Can Apply?

Businesses must:

  • Be located within the five boroughs of New York City

  • Demonstrate that the COVID-19 outbreak caused at least a 25% decrease in revenue

  • Employ 1-4 employees in total across all locations

  • Have been in operation for at least 6 months

  • Have no outstanding tax liens or legal judgments

3. Northern Manhattan Emergency Recovery Fund

The Northern Manhattan Emergency Recovery Fund has received $2 million from Presbyterian Hospital for immediate relief to aid in the recovery and development of the community. The Fund will be administered by the Hispanic

 Federation. Go here for details https://hispanicfederation.org/nomafund/


For Employees

Federal

State 

City 


Things to Consider

Miscellaneous

The New York State ban on plastic bags has been postponed from April 1st toMay 15th Utilities have been ordered to not shut off service for gas, water, or electricity.

For NYC Employees

Verizon, Spectrum, and other cable providers' offer for free internet for households with school-age children. Verizon is also offering other learning tools and some premium TV channels offered to customers at no additional cost. Read the release: http://verizon.com/about/news/verizon-customers-learning-tools-premium-tv

Con Ed has halted all meter reading and installation of smart meters; stopped shutoffs of electric, natural gas or steam service due to non-payment resulting from the health crisis; waived new late-payment charges; and suspended the fee charged to a customer who is unable to grant access to their property. They WILL continue to shut off service when there is a safety issue. Customer service walk-in centers are shut. Residential customers can choose one of the alternate ways to pay their bill, including online at My Account, by mail with a check or money order, or by phone at 1-888-925-5016,

SNAP ASSISTANCE. The nonprofit expensify.org will reimburse SNAP participants $50 after they use their EBT card for approved purchases and submit a receipt. They are allocating these funds to help families in need to purchase essential groceries during the COVID-19 outbreak. There's no "catch" and the money is directly deposited into the participant's bank account. Employees should visit Expensify.org/hunger for more information.

Beginning Monday, March 23rd, free meals will be distributed at more than 400 sites across the city. Students may pick up three meals at one time. Find a location near you.

The New York State ban on plastic bags has been postponed from April 1st to May 15th 


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