• Health Concerns: Mrs. Wizman recommends keeping in touch with your primary care provider and only going to the hospital when absolutely necessary. She also shared resources on where to get tested for COVID-19 (see below). You are encouraged to contact your insurance provider for any financial assistance or questions regarding your policy.

• Medical Insurance: "California Responds to COVID-19 Emergency by Providing Path to Coverage for Millions of Californians. Effective immediately, anyone uninsured and eligible to enroll in health care coverage through Covered California can sign up through the end of June. The Department of Health Care Services announces new steps to help those eligible for Medi-Cal sign up easily and get immediate coverage. The moves come amid widespread disruption in the lives and livelihoods of Californians as public health officials seek to reduce the spread of COVID-19. All medically necessary screening and testing for COVID-19 are free of charge, and all health plans available through Medi-Cal and Covered California offer telehealth options. These actions build on increased state subsidies and the implementation of a state penalty, both of which took effect in January 2020."

• Rent: Under the temporary moratorium passed by Governor Newsom, updated by local officials:
• For commercial: Tenants experiencing financial hardship due to COVID-19 are encouraged to email or write a letter to their landlord notifying them of hardship in order to qualify for deferral of payment. Currently payments deferred will have to be paid back within 3 months from the day the lock down is lifted, unless Tenant and Landlord come to negotiate their own agreement. Tenants and Landlords are encouraged to read the following:

• For Residential: "Tenants are still obligated to pay lawfully charged rent. Tenants will have up to 12 months following the expiration of the local emergency to repay any back rent due. Landlords and tenants may mutually work out a payment schedule or arrangements for repayment of rent.” (Again notify your landlord if you are under financial hardship to begin deferral or to negotiate with one another.) No owner can evict a residential tenant for nonpayment of rent if the tenant is unable to pay rent due to circumstance related to the COVID-19, such as:
• Loss of income due to workplace closure or reduced hours due to COVID-19
• Loss of income or increased child care expenditures due to school closures
• Health care expenditures stemming from COVID-19 infection of the tenant or a member of the tenant’s household who is ill with COVID-19

• Grants and Loans: There are two different types of Loans and Grants offered to the Small Business Association. As a small business, it is recommended to apply for both. 
• EIDL ( Economic Injury Disaster Loan ):
• Interest: 2.75% for Non - Profit and 3.75 % for Small Businesses
• You can apply online 
• Or go to their office in Downtown, LA ( see below)
• Loan over $200,000 needs to be collateralize.
• Could qualify up to $10,000 grant immediately once approved.

• PPP ( Payment Protection Program ): You need to apply through your bank for this.
• 75% of the loan must be used for payroll.
• The loan amount is 2.5x your average monthly payroll.
• The loan must cover 8 weeks of your payroll.
• See below to see if your bank has an online option available.

• Rapnet Price List - 20.8% 
• Rent - 39.6% 
• Payroll & Employees - 17% 
• Accounts Payable /Accounts Receivable - 11.3% 
• Others - 11.3%

• Arash (Erick) Lavian of Gemstone International Inc.
• Steve Pheng of Inta Gems