Tag Archives: business

Why is Elsa Deen Is the Best Massage Therapist in Saint Louis?

Elsa Deen is the Owner of True Touch Massage and is One of the Fastest Growing Businesses in Massage Therapy.

Dateline: Creve Coeur, MO. USA/October 10th, 2021/Written by: Jeffrey L. Klump


She came from humble beginnings.

Elsa Deen was born and raised in a small village outside of Cebu, Philippines.

Anyone who has ever been to the Philippines or knows someone who has will understand the abject poverty that many people in that part of the world, live in.

Elsa was taught at a young age how important family is and to always respect your parents no matter what.

She began working around the age of 12 to help her parents out and she continues to help them out by sending them money that she earns from her massage therapy business, including to other relatives in the Philippines.

She is one of the most unselfish and hard-working people that you will ever meet.

Elsa came to the United States in 2013 after marrying an American, which is the only way most people from the Philippines can emigrate here, and moved to Saint Louis.

Her husband tragically died and Elsa was left alone with her 4 kids wondering what to do.

She remarried 6 years ago and has 2 additional children with her new husband and decided to go to school for massage therapy.

Elsa attended the Healing Arts Center located in Manchester, Missouri.

She graduated in 2016 and received her certificate as a Certified Massage Therapist.

Later in 2016, Elsa set up her own massage therapy business known as True Touch Massage in Creve Coeur, MO.

Elsa came up with the name True Touch because she was told by several students at her massage therapy school that she really has the gift of touch to help heal any injuries or other physical problems you may have.

She is very attentive to detail and has strong hands for deep tissue massage and reflexology.

She has the ability to help you relax which also helps with any mental or emotional stress that you may be going through including Post-traumatic Stress and grief.

Massage Therapy has also received attention from the prestigious Mayo Clinic.

An article published in January 2021 goes into detail about all of the many benefits of massage therapy. CLICK HERE to read.

Elsa could have worked for one of the national chains in massage therapy but she wanted to be in business for herself and take care of her clients her way, not someone else’s.

Her clients have immense respect for her not just as a massage therapist, but as the beautiful, hard-working, and unselfish person, that she is.

Massage therapy is not only effective for physical problems including Degenerative Disc Disease, Spinal Arthritis, Herniated Disc(s), Spinal Stenosis, and, Osteoporosis but also for mental and emotional issues like Post Traumatic Stress, Grief, and Anxiety.

Elsa makes you feel comfortable and relaxed for your massage and every massage is just as good as the very first one.

Massage therapy use to be referred to as a luxury or pampering yourself.

Those caregivers like Elsa Deen in the Healing Arts Business would disagree with you from day one.

They know how important massage therapy is to your overall health and wellness and they understand that society has put a label on massage therapy that could not further from the truth.

Elsa Deen with True Touch Massage

Everyone should incorporate massage therapy into their overall healthcare routine and not just those who are suffering from physical, mental, or emotional issues.

Massage therapy has proven to be effective at preventing injuries as well as healing injuries. CLICK HERE for the report.

The majority of people sit down during the daytime whether at work or at home and as the years go on, more and more people will be suffering from back problems, in particular, because gravity has a way of compacting on your spinal discs over time and as you age.

Taking care of your back, glutes, and lower body will become a necessity with massage therapy unless you want to take the option of opioids.

Exercise and proper stretching are also necessary especially for those living a sedentary lifestyle.

Elsa Deen will be here to help you with massage therapy. The rest will be up to you.

Elsa Deen has the touch, the True Touch, that makes her the best massage therapist in Saint Louis.


Jeffrey L. Klump is a writer, blogger, digital marketer, and work-from-home business opportunity, specialist. He is also an original member of the Guardian Angels-St. Louis Chapter.




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How to Stop Selling and Start Building a Business

Originally published on Aug 26, 2021

By Paul Cowan


The Day I Stopped Selling and Built a Business

The advertising agency I’d joined was the most competitive and ambitious in London. Building business was hardwired into every one of us. Competition with other internal teams as part of the process. Jumping to the top of the queue above other teams for the next new business prospect gave us more opportunities for winning new business. We were trained to present, to sell, and sell again and again. And I was desperate to succeed.

Failure could be challenging. Our creative teams could be fearsome to deal with. Emotions ran high — sometimes way too high, with unpleasant consequences. I planned to stay for a year or so. But twelve years passed quickly, and I ended up running a big group. The rewards for those of us who succeeded were good, but I wanted more.

I took a big, big risk and started a breakaway agency with seven colleagues. With a full team and a great office in the center of London, we had a stupidly large overhead from Day One. We also had no client and no income. We had to sell to survive. Every single opportunity, every new business prospect, however small, was critical. Our family houses, the school fees, the grocery bills, and everything we owned depended on winning business.

We were good — mostly, very good. Even if we lost a new business pitch, we didn’t give up. Sure, this irritated some prospects, but mostly they appreciated our hunger.

Every idea had to be sold and nurtured. Every opportunity, however small, is exploited. Our lives and our families depended on it. And at the end of the first year, we broke even. Our bankers were so amazed they threw us a private lunch to celebrate.

Then times got edgy. We had big debts. We restructured, redoubled our efforts, and focused harder on winning business. We survived — and produced some outstanding work.

After years and years of selling the agency to prospects, to staff, stakeholders, and selling work to clients, I realized something. I was dog-tired. I was exhausted from filling the leaky bucket of revenue over and over again. I knew it was time to merge my agency and get out. I stopped selling.

New Business. No Selling

After a stint at business school, I was back in business, but this time, on my own. I had no website and no nameplate in my office. I was invisible, and I didn’t sell. I just told past clients and colleagues what I was planning and doing.

For four months, the phone was quiet. Then it rang. I met with the prospect — and instead of selling and telling him about my offer, I just asked questions about his company and what problems required attention. I checked the size, importance, and cost of those problems.

He was interested in working with me, and I was interested in working with him. I wrote a two-paragraph summary of how to tackle the issues and added a price range. It was large and provided good value.

And the phone continued to ring, despite no website, no marketing, no sales activity, and no long submissions. I refused to write submissions – only one-page outlines. I just asked questions.

“Telling is not selling. Only asking questions is selling.” – Brian Tracy

Really. No Selling.

A few years later I co-founded The Client Relationship Consultancy. Again: no website, no marketing, no selling. I met with past colleagues and explained our philosophy. We made them sign a two-way NDA — we would never talk about them, and they would never talk about us.

But they wanted to work with us. As clients moved to new agencies, the word spread and we got more calls. These new prospects wanted credentials presentations. I explained that I would tell them about our business for less than sixty seconds, and about our philosophy and approach for four minutes. At that point, if they did not agree with our approach, we could cut short the meeting and I might be able to suggest others who could be a better fit for them. But no one ever said that. And we still had a two-way NDA.

We never chased after a meeting. If I thought a prospect would not be right for us, I would decline their business. Occasionally, existing clients wanted to do things differently. If whatever they suggested failed to meet our philosophy, we refused to work with them.

I loved this new way of carrying out business. I felt re-energized. And our clients stuck.

To my business partners’ intense irritation, I refused to set annual targets. I did not want to feel that I needed to sell. But over sixteen years, our business grew and grew — to offices and consultants in London, Windsor, Boston, Mexico, Munich, Singapore, and Sydney. Still no website. Still no new business or marketing activity. Still a two-way NDA.

Why It Worked

Why did this approach work? Not having objectives for sales, and not selling, meant that I had a powerful position, equal to that of a prospective client. I could relax. As a result, so could the client. We were able to have adult-to-adult conversations. The prospective clients became less defensive, and more open to me. They were comfortable disclosing deeper, underlying issues.

Both parties had the opportunity to ensure that the ‘fit’ between was tight. Both sides had the chance to ensure that our beliefs were in synch. The result: long-term, enduring relationships, and no leaky buckets anywhere.

RELATED:

How to Sell Anything to Anybody – business.com


[Exclusive] Ways To Improve Your Grocery Shopping Experience

Thrive Market Has Just Improved Your Grocery Shopping Experience By 1000%.

Dateline: Creve Coeur, MO. USA/Sunday, August 15th, 2021/Written by: Jeffrey L. Klump


Going to the local grocery store has become a nightmare for many in the era of Covid 19.

Mask on. Mask off. Vaccinate. Unvaccinated.

Are you tired of being told what to do by your grocery store and other businesses?

There is an option for groceries to your door, and they are organic and naturally sourced.

The option is called Thrive Market.

Here is a quote from the co-founder of Thrive Market:

“Growing up in the Midwest in the ‘90s, I saw how hard my mom worked to put healthy food on our table despite limited knowledge, a limited budget, and limited healthy options in our hometown. She did an amazing job, but it was hard—and she was mostly on her own… Thirty years later, so much has changed. Today, millions of moms, dads, grandparents, and young people are all aspiring to live healthier and more sustainable lives. My mom is no longer on her own! And yet one thing hasn’t changed: finding convenient, trusted, and affordable ways to shop healthier is still hard. At Thrive Market, we’re on a mission to change that.”—Nick Green, Father of Two + Thrive Market Co-Founder & CEO

Thrive Market is benefiting from four converging trends that shifted into overdrive by the pandemic: healthy eating, online grocery, subscriptions, and personalized shopping.

It’s propelled an already rapidly-growing company, tracking at 40% year-over-year growth before the pandemic, to nearly double its business since, with sales up 90% year-over-year.

With its membership rapidly approaching one million, Thrive Market solves many of the problems inherent in traditional grocery shopping and online as well. Because the typical grocery store carries between 30,000 to 50,000 products, grocery shoppers suffer from a confusing abundance of choices.

Thrive Market makes selection simple, offering about 6,000 carefully curated items that represent the best brands that are better for people and better for the planet.

Initially focused on non-perishable products in the center aisles of a grocery store, it now offers wine, meat, seafood, and ready-made meals, along with a growing list of pet, beauty, and home products. The only thing missing is dairy and fresh fruits and vegetables, which present logistical challenges the company is working to overcome.

“We are about six years old now, and we have always been a fast-growing business,” says Sasha Siddhartha, the company’s co-founder and chief technology officer. “Since we launched, keeping up the growth and scale has been a consistent focus for us. But then starting in late February/early March, that growth accelerated dramatically, and we continue to hold that accelerated pace. It turns out Thrive Market is a sticky concept.”

“Our approach has always been curated, so you don’t have to worry about which brand is better for you or spend time studying the labels. Our merchandising team has already done the work for you to pre-select and curate based on the highest standards in the industry,” Siddhartha says. “Instead of finding 40 products to choose from, we offer the best two or three, taking the guesswork out.”

Since Covid hit, people have prioritized health and wellness in grocery shopping. Thrive Market sits in that sweet spot. Even before the pandemic, natural and organic had been the fastest-growing sector in the grocery industry, he shares. It is a trend that is sure to continue as the immediate health threat abates.

Online grocery shopping is a great convenience, saving time, which is the ultimate luxury. But consumer habits are hard to break and going to the grocery store has long been a staple of the American’s lifestyle. That changed overnight due to the pandemic.

Why give your money to a company that is not only infringing on your Constitutional rights, but those of their employees?

Thrive Market is the way of the future.

They provide high-quality products at very reasonable prices.

Expect to see other online grocery stores adopt a similar model of Thrive Market.

They are the first but they will not be the last.

Jeffrey L. Klump is a Digital Marketer, Blogger, Writer, and Work From Home Business Opportunity Specialist. He is 58 years old and widowed.



RELATED:

Thrive Market Review 2021: Online Grocery Store (businessinsider.com)


How To Deal With Negativity While Starting a Business

Originally Published on Aug 4, 2021

By Saaradha Kumar


There are ups and downs in business but fearing failures can stop you from taking your first step towards excellence. With pandemic on tow, aspiring entrepreneurs feel a little stuck when ideating a business prospect. Here, we give you some actionable tips to deal with negativity while starting a business, even during situations like a pandemic. We also took the liberty to throw in some amazing book recommendations that’ll help you enjoy the process of being positive and achieving your business goals.

10 Tips to deal with negativity while starting a business in a pandemic

1. Get a mentor

The first thing to do as a new business owner is to find the right kind of mentor. That person could be someone in your industry or in general who you look up to. The guidance must be apt for your business, and it should be a mutual responsibility of sharing knowledge. 

2. Two big R’s – Routine and Refresh

Made a mess of something? Try to reboot the situation and make it work. Take a break once in a while and refresh yourself if you feel stuck or your ideas feel mundane. Plan a routine and stick to them – both personal and professional. Having a routine can increase productivity and engage in more activities apart from your pre-planned schedule. 

3. Inculcate problem-solving mentality

Do not panic once you are thrown a problem. Arrange a meeting with the respective party, listen to both sides of the stories, and make a decision that is more realistic and feasible. 

4. Hire half and half

Whenever you hire someone for your business. Make sure that half of the people contradict your ideas, and the other half have the same mindset as yours. The people who contradict can bring in more valuable points and their perspective might take the discussion to a whole new level.  Don’t take too much time finding the perfect one. Hire an apt person who can have the right attitude. 

5. Network, Network, and Network

Find like-minded people and mingle with them. Be more sportive in the learning process. Listen more and talk less – if you are a beginner. You can only be a constructive person who gives input to someone if you have listened to everyone’s point of view. If you feel down, your network might have something to uplift your mood and change your perspective on something.

“Negativity, in general, is one of the things that holds people back, and you have to see what’s holding you back to get away from it.” – Lucy Dacus

6. Tech-savvy personnel

Learn a thing or two about the latest technology that you implement in your organization. Since the world revolves around technology, make sure your administrative authority knows as well.  

7. Don’t schedule a meeting, that could have been an email

Yes! I said it. Having unnecessary meetings will weaken the purpose of having a constructive discussion. Having back-to-back meetings drains the team members and yourself too. Always have a 10 to 15 minutes break between each meeting to feel refreshed and give your 100%. 

8. Have a pros and cons list

Always, I mean always have a pros and cons list. Let’s say one of your team members pitch an idea to improve the marketing strategies starting next month. Jot down the pros and cons before approving or rejecting it point-blank. It’s a systematic way of making a decision. 

9. Track your finances

Even if you have a team of accountants and auditors, make sure that you are present (both mentally and physically) – learn if you are not aware of it. Trusting your employees is a must, but not overseeing the records is a mistake that should be avoided.

10. Remember your “why?”

At some point in your hectic schedule or not having ME time can get to you. During those tough times – ask yourself – “Why am I doing this?”. If you can answer this question with a valid explanation, you’ll feel energized. Because “A purpose drives you”. 

5 Best books to read to be more positive as an entrepreneur

Reading always puts me into perspective. Therefore, I took some liberty to give a sample of positivity and determination through words. 

These are the 5 books that’ll guide you to be a more positive and successful entrepreneur. 

  1. Attitude is everything by Jeff Keller – The decisions you make, the routine you set for yourself, and the affirmations you say to yourself every day are going to make a huge difference. If you feel tired, hopeless, and quitting – then this book is for you to boost you up!
  2. Mindset: The new psychology of success by Carol Dweck – You do what you think. In this book, the author talks about two mindsets: The growth mindset and the fixed mindset and what they’ll do to you respectively. She helps you recognize your mindset and change it for the better. 
  3. Innovator’s Dilemma by Clayton Christensen – This book is about technology uprisings all over the world and businesses that adopted and implemented technology in their firm. The author teaches you that just because your competitors and others are adopting something into their businesses doesn’t mean that you have to as well. Make an informed decision. 
  4. As A Man Thinketh by James Allen – This book specifically is about the power of thought and how it shapes your life into a more meaningful and fulfilling one.
  5. The Power of Now by Eckhart Tolle – The author talks about how people always keep thinking about what the future holds but then forget to live and enjoy the present. And also helps us understand how to make decisions more efficiently based on the present. 

Working towards inner balance requires consistency and perseverance. So does hard and smart work. Being negative is a part of our lives. It’s important to channel it appropriately and make things happen despite the roller coaster ride that is our lives. Hope you overcome your fears and negativity to shine bigger and brighter. Cheers! 

Saaradha Kumar is an enthusiastic writer and has immense love for books. She works as a Digital Marketer at RentALLScript. RentALLScript (the one who designed Wooberly, an Uber clone app) gives out creative web and mobile app solutions for entrepreneurs to enhance their business. 


[EXCLUSIVE] How Coercion is Being Used for the Un-Vaxxed

The Covid 19 Grifters Are At it Again. This time with the Scary “delta” Variant. Americans Aren’t Buying It!
Dateline: Creve Coeur, MO. USA/Wednesday July 7th, 2021/Written by: Jeffrey L. Klump

In February of 2020, I warned people that the thing everyone was calling Covid 19 or Coronavirus, was actually a biological weapon unleashed upon the earth by the CCP(Chinese Communist Party).

This weapon was released in a level 4 lab outside of Wuhan, China.

The reason for all of the confusion is because everyone was lying about what it was and where it came from.

President Xi Jin Ping of China was lying about it and so was President Donald Trump.

The bioweapon, known as Covid 19, was originally made in a laboratory by the U.S. Army at Fort Detrick, Maryland along with the help of North Carolina University, Anthony Fauci, and the CDC.

The work that was done on the Coronavirus, known as Covid 19, was eventually offshored to Wuhan, China circa 2014.

No one knows for sure exactly what was done as far as the modifications to Covid 19 once the research was moved to Wuhan.

We do know for an absolute certainty that something called “spike protein” was mixed in with the other ingredients, not only with the virus but more importantly, into the so-called Covid 19 vaccines.

Spike proteins are extremely toxic to the human body if they get into the bloodstream.

So, you have everyone including the media, lying about Covid and its origins, until the emails of Anthony Fauci get leaked out.

Once Fauci’s emails get exposed to the general public, his credibility about being an expert on Covid goes to zero.

People stop listening to him.

The Covid 19 grifters are at it again because they know no one is listening to them, this time around.

The Covid 19 grifters are losing control over the narrative and the majority of the U.S population.

More than half of Americans have not taken the experimental drug known as the Trump/Gates Warp Speed Covid 19 vaccine.

This has the Covid 19 grifters upset including Joe Biden who recently stated that getting the vaccine is the most patriotic thing that you can do.

This statement alone is an act of coercion.

In the 1947 Nuremberg Code, it clearly states that informed voluntary consent is essential when it comes to any type of medical experiment. (The Covid 19 vaccine is experimental and has not been approved by the FDA. Furthermore, the average time for a vaccine to be tested safely is 7 years.) The code goes on to state: the person involved with such experiments should have legal capacity to give consent as to be able to exercise free will, without the intervention of any element of force, fraud, deceit, duress, overreaching, or coercion. The person involved in such an experiment should have sufficient knowledge and comprehension of the elements of the subject matter involved as to enable them to make an understanding and enlightended decision.

Now that the economy has opened up and people are getting back to normal, only 47% of Americans have received at least one shot of the so-called vaccines.

The bioweapon known as Covid 19 was created for the vaccines, not the other way around.

This is what people are missing.

If you dig deep enough, you will find that this global vaccination plan is a de-population plan for humanity.

Let that sink in.

Since the emails from Anthony Fauci were released, the world now knows that there was an attack by the CCP in Beijing using biological weapons.

There are no vaccines for biological weapons like I have been saying since February 2020. Therefore, the experimental drugs that they keep referring to as a vaccine, must be something else.

This is where the spike proteins come in.

Since we now know there are spike proteins in all of the vaccines, and we know that spike proteins can be toxic to the human body, why are the vaccinations continuing, and why are the Covid 19 grifters trying to coerce the un-vaxxed into taking the vaccines?

On June 2nd, 2021, Dr. Byram W. Bridle from the University of Guelph in Canada, did a 5-minute radio interview that went viral.

Dr. Bridle is a viral immunologist who works with vaccines, and according to a request by him to the Japanese government, Bridle found out that the spike protein that is in the vaccines are not staying in the shoulder area, but getting into the bloodstream, whereby it can be toxic and cause all kinds of cardiovascular diseases including blood clots in humans.

Listen to the video below about what happened to Dr. Bridle after this interview. ( Dr. Bridle begins speaking at the 10:25 mark).

Editor’s Note: YouTube continues to take this video down.

If you have trouble viewing this on YT, Click Here to watch on Bitchute.

This is chilling, to say the least.

Dr. Byram W. Bridle, PhD

Since the vaccine rates are not where the Covid 19 grifters want them to be, and since there are so many reports of people being injured or dying from the vaccines, the Covid 19 grifters needed a new plan not only to get more people vaccinated but also to cover up the existing vaccine deaths.

They came up with something called the “Delta Variant”.

Yes, they wanted to make it sound scary just like they did with Covid 19 in early 2020.

Like Covid 19, they first reported about the Delta variant from another country. This time, India.

There were all kinds of news reports about so many people dying, just like you heard about with Covid 19 in China, a year earlier.

This time, however, the American people are wise to the tricks of the Covid 19 grifters.

The Covid 19 grifters and their friends in the media are once again using their favorite weapon for mass social control: fear.

They are not telling you, however, that this so-called Delta variant is coming from the vaccines themselves.

The Delta variant = The Vaccine variant.

Instead, they are trying to convince the population that this Delta variant is being transmitted by the un-vaxxed without any hard evidence to support their claim.

This is another form of coercion being used to get people to take an experimental drug, which according to the 1947 Nuremberg Code listed above, is a war crime.

Most recently, and perhaps the most startling announcement, which I, by the way, have told people back in March 2020, there will be government people showing up at your front door.

Within the past 2 weeks, the state of New Jersey has announced that it will make door-to-door visits for the un-vaxxed. Go here to read the article => If you’re not vaccinated the state of NJ is coming to your door (nj1015.com)

Then, on July 6th, you hear not only the President, but his chief of staff, talk about going door to door with visits regarding the vaccine which would include people from FEMA. Go here to read the article => Biden admin launching ‘door-to-door’ push to vaccinate Americans, sparks major backlash | Fox News

This not only sounds like coercion, but it seems to me that it goes further into intimidation.

Fortunately, for Americans, we have the U.S. Constitution and the 2nd Amendment.

If anyone is illegally trespassing on your private property, you can and must use force to discourage lawbreakers.

This is how desperate the Covid 19 grifters have become since more than half of America refuse to get the Covid 19 experimental death jab.

They are in a hurry to reduce the world’s population by 2/3 and they want to do it before more information leaks out about the number of deaths and disabilities from these experimental drugs.

 

There is no secret to good health.

All you have to do is keep your carb intake low, supplement with Vitamin D3, Liposomal Vitamin C, and use CHAGA mushrooms daily. Along with that, you must do high-intensity weight training & cardio 4 days per week.

Doing this without taking drugs will help you with any type of virus including the Covid 19 “Coronavirus”.

Your health, wealth, safety, and prosperity are your responsibility. Not the government!

The government cannot keep you safe and that was proven on 9/11.

Educate yourself and support the real scientists and doctors who are speaking out against the dangers of these experimental vaccines.

Walk tall and don’t allow coercion to be used against you when it comes to taking any experimental drug.

Use the 1947 Nuremberg Code as your defense against those who wish to harm you and your children.

 

 

 

 

Jeffrey L. Klump is a Digital Marketer, Blogger, Researcher, Writer, and Work-from-home Business Opportunity, Specialist. Click Here to contact me.



 

RELATED:

The novel coronavirus’ spike protein plays an additional key role in illness – Salk Institute for Biological Studies

bbridle | Pathobiology (uoguelph.ca)

CDC Insists Benefits Of mRNA Vaccines Still “Clearly Outweigh” Risks Of Dangerous Side Effects | ZeroHedge

Here is a flyer that you can hand out to a door-to-door canvasser for the Covid 19 “vaccine” who may knock on your door. 

 


Important Ways To Access Emergency Funding From The Government

How to Access $350 Billion in Emergency Funding From State and Local Governments

The Paycheck Protection Program may be over, but you can still get emergency funding. Just look closer to home.

 

How to Access $350 Billion in Emergency Funding From State and Local Governments

 

Originally Published on July 2nd, 2021 BY BRIT MORSE, ASSISTANT EDITOR, INC.@BRITNMORSE


Federal Covid-19 relief programs may be winding down or–in the case of the Paycheck Protection Program–over, but chances are, your business might still need aid.

Half of the country’s smallest businesses continue to struggle with the economic impacts of the pandemic, according to a June report by Yahoo Small Business. The survey also found that just 38 percent of microbusinesses–defined as those with fewer than five employees–received government support during the pandemic, with 85 percent saying they relied on community assistance to keep them afloat. 

If your company still needs financial support, consider tapping state and local small-business relief programs. Many of these programs were launched early in the pandemic, but they still have funds available. The American Rescue Plan Act, which President Biden signed into law on March 11, 2021, allocates $350 billion to states, localities, territories, and tribal governments to help eligible residents. Of that, $195.3 billion is going straight to the states.

According to the National League of Cities, an advocacy group for municipalities, the funds for local governments will remain available through December 31, 2026, but may only offset costs incurred by December 31, 2024. While states can elect to deploy the money in different ways, approximately 30 states, including Utah and Georgia, are using it to fuel small-business relief efforts, mostly in the form of loans or grants. Some states also offer to connect founders with resources or mentorship.

Wolf’s Ridge Brewing, a pub, and restaurant in Columbus, Ohio, was approved for a $10,000 grant through the state’s Bar and Restaurant Assistance Fund in November 2020 after the company was forced to lay off most of its 77-person staff. Co-founder Bob Szuter says the assistance program, which ended in January 2021, was not small change. “The total amount was not significant relative to the size of our business, but it certainly helped during a difficult period of 2020 when we did not know when and if there would be additional federal support,” says Szuter.

Different States, Different Rules

Every state and local program is unique–proffering different eligibility requirements, potential awards, and revenue-loss floors. Some programs require businesses to show certain revenue-loss thresholds or proof of having to close up shop. For example, businesses in Grand Junction, Colorado, can access up to $7,500 in grants but must demonstrate that the business was compelled to close or substantially limit operations because of the pandemic. New York awards grants based on an entity’s annual gross receipts for 2019, with a maximum of $50,000. Connecticut supplies one-time grants of $5,000 to businesses with fewer than 20 employees or a 2019 payroll of less than $1.5 million.

Other states offer both grant and low-interest loan programs–typically defined as loans with interest charges of less than 5 percent. Arizona’s Small Business Success Loan program offers loans of up to $75,000 with repayment terms ranging from six months to five years. Similarly, the Illinois Small Business Emergency Loan Fund provides businesses with fewer than 50 workers and less than $3 million in revenue low-interest loans of up to $50,000. At least 50 percent of a loan’s proceeds have to be applied toward payroll or other eligible compensation, including salaries, wages, tips, paid leave, and group health care benefits.

No Assurances

While these programs may still have plenty of funds available–some don’t even have an application deadline–you’d better act fast. Many programs are accepting applications on a rolling basis until the funds are gone. That’s why it’s best to get your applications in as soon as possible, says Tom Sullivan, vice president of small-business policy for the U.S. Chamber of Commerce, which has been following state programs throughout the pandemic. But track them, he says. While all 50 states are due some portion of the funding from the Rescue Plan, the timing of the disbursements may be different in each state.  

To wit, the timing of the second tranche of funding provided to states through the Rescue Plan is contingent on the local unemployment rate. According to the Treasury Department, states that have experienced a net increase in the unemployment rate of more than 2 percentage points from February 2020 to the latest available date of certification will receive their full allocation of remaining funds in a single payment on or around May 2022. Other states will receive funds in two separate, equal tranches.

With that, some states, counties, and cities may choose to establish new programs in the near future, says Sullivan. Governments have to apply through Treasury, and those applications are getting processed now, he says. He recommends first getting in touch with your local chamber or local economic development center, as these institutions may be paying close attention to the deployment of funds. 

Before you contact a local department or apply for assistance, it’s crucial to have your financial documents in order, notes Sullivan. This includes annual or quarterly profit-and-loss statements and tax documents. “Every city and county is generally a little different,” says Sullivan, “but the folks who get their stuff in first generally get preference.”

Inc. helps entrepreneurs change the world. Get the advice you need to start, grow, and lead your business today. Subscribe here for unlimited access.

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Paycheck Protection Program (sba.gov)

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Find Out How To Never Give Up

Find Out How To Never Give Up

Feeling Like Giving Up? Read This Before You Do

Originally Published on May 22, 2021By Christopher Fern

What do anger, shame, remorse, guilt, frustration, overwhelm, indecisiveness, scarcity, and fear all have in common? When an emotional response occurs, the amygdala – the part of the brain most often referred to as “snake brain” takes hold, causing you to “process” the emotions. What’s…

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How to Work Remotely and Succeed

How to Work Remotely and Succeed

Does Remote Work Really Work? 4 CEOs on the Future of Their Workplaces

BY CHRISTINE LAGORIO-CHAFKIN@LAGORIO

Is work … a place? Founders are divided on whether to return to their old way of doing business.

Founders and executives around the globe have taken lessons learned over the past year to inform their view of what their workplace will look like in the future. At this week’s Collision…

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How to Become a Leader

How to Become a Leader

10 Traits an Inspired Leader Must Have

Originally Published on Apr 10, 2021 ByMarie Barnes

Leading people is not an easy task. A thousand and one responsibilities fall on your shoulders. After all, leaders are the safeguard against chaos. They are the engine of a group. What defines a great leader? An upright stance and a proud poise? Intelligence and valiance? The will of steel and steadfast…

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5 New Habits to Help You Cultivate a Growth Mindset

5 New Habits to Help You Cultivate a Growth Mindset

How To Cultivate a Growth Mindset!

Originally Published on Apr 3, 2021

By Samantha Madhosingh

As we raise children, we often teach them that grit, perseverance, and resilience lead to mastery and success. They do. But what are we teaching them about their intelligence and capacity to learn?  When children believe that they have been born with predetermined skills and abilities or with a fixed…

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