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Phase 1 began on May 9th, this past Saturday, effectively opening tons of non-essential businesses.

Governor Steve Sisolak has officially announced the state’s plan to reopen, Nevada United: Roadmap to Recovery. The plan consists of 4 phases that will gradually open the state with the utmost caution. Phase 1 began on May 9th, this past Saturday, effectively opening tons of non-essential businesses. However, since May 1st, some changes had begun since non-essential retail businesses can begin to offer curbside pick-up like restaurants had been offering, drive-in church services are allowed, and outdoor activities like golf. 

As part of phase 1, some non-essential businesses are allowed to open back up with strict social districting guidelines. The state government is going to allow county governments to set guidelines. Dine-in restaurants are allowed to be opened at 50% in this phase but are required to make reservations, keep social distancing, and all employees must wear face masks. Similarly, personal care services can open but are only allowed to do appointments, must also keep social distancing, and are limited to one customer per employee inside. Social distancing will still be in place, therefore public gatherings with 10 or more are not okay yet. People who are vulnerable with underlying health conditions should still stay at home, as well as seemingly healthy people to lower the risk of being exposed to the virus. Remember that people may be contagious without showing symptoms. What is not to be open yet are large venues, bars, nightclubs, and entertainment-focused businesses such as movie theatres. 

During Phase 2, more businesses should be allowed to open, still following strict social distancing guidelines. Vulnerable people should still stay-at-home. Phase 3 should see an easing of more restrictions on public gatherings. The final phase should see our return to normalcy. Throughout these phases, the counties need to meet certain state set goals on case trends, testing, and contact tracing. 

The important part is to remember to remain practicing social distancing as of now, and through the phases despite the stay-at-home order being lifted. If you are in that vulnerable population, you should self-quarantine through the virus. Please, be sure to use a mask or face covering while in public to help prevent the spread of the virus.

This crisis has deeply impacted our community, we have compiled community resources on our website for you and your family’s needs. Visit maketheroadnv.org/resources 

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The first rounds of stimulus checks have reportedly gone out electronically. As a part of the CARES Act, the US government will be sending out stimulus checks of $1200 per adult and $500 per child proportional to one’s income. The checks will be based on your 2019 income tax or 2018 if you have yet to file your 2019 taxes. The payments are either by mail or by direct deposit if you gave your bank account info in your previous return. The first rounds of direct deposits have begun the week of April 13th for the lowest-earning folks. The first rounds of checks are set to be sent out the first week of May.

The Stimulus checks are eligible for citizens and non-citizens who file taxes with a social security number. Non-filers who usually receive Social Security benefits or make below $12,000 are eligible as well. However, if you are over 17 and claimed as a dependent, you will not be eligible and your claimant won’t get a check for you. For single filers, who make $75,000 gross income or less will qualify for the full amount, and for every $100 you make over that, the check decreases by $5. The same goes for heads of households with at least one dependent, but their point of decrease begins after $112,500. For Joint filers, that number is $150,000. 

Most people who filed their taxes in 2018 or 2019 will not have to do anything but wait for the checks to come in the mail or hit their accounts. But there are a select few that may need to take additional steps, non-filers are able to fill out a brief form on the IRS website to provide payment information. In addition, the IRS has said that people who receive Social Security benefits will receive their stimulus check like they receive their benefits. Tax filers who need to update payment information is now available on the IRS website here: https://www.irs.gov/coronavirus/non-filers-enter-payment-info-here

Make the Road Nevada’s mission of building the power of Latinx and working-class communities of color to achieve dignity and justice still continues during this pandemic. Our offices are closed but our team will remain available to our community digitally through email amigxs@maketheroadnv.org or by phone. Leave a voicemail at (702) 907-1560 with your full name and best return contact information so that one of our organizers may call you back. ¡El pueblo unido jamás será vencido! The people united will never be divided!

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UPDATED April 27th. 2020: The SBA will resume accepting Paycheck Protection Program applications from participating lenders on Monday, April 27, 2020 at 10:30am EDT at the Small Business Association (SBA) website.
UPDATED April 21st. 2020: The money allocated from the CARES Act has run out for the moment, meanwhile congress is working on allocating more funds to aid small businesses but there is no solid plan as of yet. When the funds were first depleted we were asking people to continue to apply, the applications have been closed for now on the Small Business Association (SBA) website. If you do or do not have a business bank account you can use any of these three lenders who are currently accepting applications for the SBA Paycheck Protection Loan in preparation for when more funds are released. Small business owners can apply at of the lenders listed below: 
Please stay tuned as we will update this page and our social media with the latest information about these SBA loans and COVID-19.

On March 27th, the CARES Act was signed into law in order to provide economic relief during COVID-19. Included in the act, $377 billion allocated to small business relief in forms of loans and grants. The Small Business Administration(SBA) is in charge of setting up programs for relief. 

 

What options do you have?

  1. The Economic Injury Disaster Loan (EIDL)
  2. Paycheck Protection Program (PPP)
  3. The Bridge loan is available to help cover the cost while you wait for processing on other loans.

Important to note-  Any existing 7(a), 504, and microloans prior to Sept. 27, 2019  will be covered for six months and other loans may be placed on automatic deferment. These benefits aren’t restricted to citizens, any business with less than 500 employees or those that fall under different specifications per industry. 

 

Economic Injury Disaster Loan

This loan is more lenient on how it can be used, and there is also the possibility of a $10,000 grant. Aside from the $10,000 grant, any other amount takeout will still be needed to payback and are not eligible for forgiveness.. You can apply on the SBA website here https://covid19relief.sba.gov/#/

 

Paycheck Protection Program

Majority of the amount granted under the CARES has been allocated to the Paycheck Protection Program, this is meant to help small businesses maintain payroll and avoid layoffs. This loan is completely forgivable if the entirety of it is put towards payroll, benefits, rent, and utilities. To maintain 100% forgiveness, employment must be maintained at 100% with no pay reduction, any reduction will lower the forgiveness by the percent of the reduction. After 8 weeks, the borrowers need to turn in proof that the money was used for payroll in order to get forgiveness. 

 

You can apply now through a participating lender, find one here: https://www.sba.gov/paycheckprotection/find

To learn more about EIDLE and PPP watch the webinar from the SBA:
https://bit.ly/sba-eidle-ppp

 

For additional assistance, you can reach out to the Small Business Administration District Office in Las Vegas here: 702-388-6611

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Student loans

All collections on defaulted loans have stopped, that includes wage, social security, and other garnishments

  • Talk to your employer
  • Automatic payment suspension until Sept
  • Borrowers should turn off their autopay – contact servicer or go online so they aren’t
    paying when they don’t owe anything
  • As long as borrowers are not in forbearance, they don’t lose their credit
  • DoE is hosting a call this afternoon
  • Do not choose the emergency forbearance and turn off your autopsy
  • Commercial loans are not included
  • No coverage for Perkins loans
  • Private student loans not included

Best tips

Turn off your autopay – no one is in the offices to help, so do it online!

Q: On emergency forbearance?

  • The forbearance was the immediate solution, we have a longer-term solution now
  • Reach out to your borrower on social media or email and have them stop the
    forbearance

Q: Any upside to continuing payment?

  • The upside is if you’re paying off your loan
  • If you’re working for loan forgiveness, you’re better off saving your money
  • If your wages are being garnished, you have to contact your employer to lift the
    garnishment
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March 16th 2019

OFFICE TEMPORARILY CLOSED

The safety of our members and staff is our number one priority at Make the Road. Out of precautionary measures, and recommendations of the Centers for Disease Control and Prevention, we will be redirecting our staff to work remotely for the week of March 16th and will temporarily close our office doors for the time being. We will continue to assess and monitor the health situation on a weekly basis.

We have put together a list of resources for anyone affected by recent events do to the COVIN-19. You can find those resources on our Resource page in English here and in Spanish here.

Please do not be alarmed as our mission of building the power of Latinx and working-class communities of color to achieve dignity and justice still continues. Our team will remain available to our community digitally through email amigxs@maketheroadnv.org or by phone. Leave a voicemail at (702) 907-1560 with your full name and best return contact information so that one of our organizers may call you back.

We will be sharing important resources on our social media and website to keep the community up to date with important information. We want to remind the community you are not alone and we are all here together.

¡El pueblo unido jamás será vencido! The people united will never be divided!

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