Kaua'i Life Deborah Cole

The change we have been praying for is here - Mahalonuiloa!

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A LOT of financial assistance was made available under the CARES Act, but it’s taking longer than expected to show up. This answers the escalating cry “Where’s my Money?” & covers Federal Stimulus Checks, Unemployment Insurance Benefits (in Hawaii), EIDL/SBA loans, & PPP Loans.

Mortgage forbearance under the CARES Act sounds appealing; “No mortgage payments for up to 12 months? Where do I sign up!?!”, but is actually extremely risky. Here’s the Number One thing you need to ask your bank if you are considering it....

PPP Loans are *forgivable* loans, which means: you don’t have to pay them back if you follow the rules. They are available under the CARES Act and Independent Contractors & Sole Proprietors can use them to make up for their lost pay due to COVID-19...

If you’re a Gig Worker or Independent Contractor, then you have a brand new benefit under the CARES Act: Unemployment Insurance!!! Find out more here...