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...

What you need to know to reduce stress, get fit, and enjoy all this extra free time that we suddenly have during the Governor’s 3rd Emergency Proclamation in Hawaii!