KD Holland Business Solutions

Home and business owners affected by the #CreekFire and others in California now qualify for low interest FEMA loans. Go to my Creek Fire Help page on my website (www.kdhollandsolutions.com) and check the FEMA disaster page here: https://www.fema.gov/locations/california

My Creek Fire Disaster Recovery Toolkit is now live on my website. Almost 200 pages of recovery steps, financial tips, insurance/disaster loan procedures, tax relief options, and more. Also listed at the end of the kit are 6 pages of local & national recovery resources, along with sources for replacing important documents. Feel free to share to all you know who have been affected by the Creek Fire, and even from the other fires in California. Though the resource pages are somewhat specific to Fresno/Madera counties, other counties in California will have similar local resources. www.kdhollandsolutions.com

I am volunteering my help to those who have lost their homes and livelihoods in the Creek Fire with rebuilding their finances and navigating the process of rebuilding their homes. I am a bookkeeper and financial advisor with experience in Disaster Relief loans for individuals and businesses, as well as have a network of contacts in insurance, debt relief, relocation, and restoration services.I will be updating my website in the coming days with a page of free resources for those effected by the Creek Fire. Please contact me through my website or by phone to request assistance. www.kdhollandsolutions.com

Check out this GORGEOUS bouquet from one of my new clients, Wynnie's Flower Farm in Clovis! It is filled with some of the prettiest, longest lasting flowers you can imagine, and they are grown locally. Find Wynnie's Flowers at the Riverpark and Clovis Farmer's markets. #wynniesflowerfarm #supportlocalfarmers

I posted this on my personal page, but it answers questions that some of you have asked me about the financial impact of the pandemic.

If you are a self-employed business owner, or independent contractor that has been impacted by the shelter in place orders in California, you may apply for Unemployment insurance beginning today. See the EDD website for more details: https://edd.ca.gov///pandemic-unemployment-assistance.htm

There is now an IRS site for tax payers and non-filers who need to update their address, bank information, or other vital data to receive their stimulus checks.

More local funding has become available for small businesses in Fresno hurt by the COVID-19 closures...

Yesterday Wells Fargo announced that they have accepted as many applications for the Paycheck Protection Program as they can fund, and will loan out $10billion to their existing business customers through the program. Keep up with the daily changes in available financial resources on the COVID-19 Help page on my website: www.kdhollandsolutions.com

Today my COVID-19 resources page is live on my website. I list comprehensive Information and links on the financial relief and resources available in California, as well as ways I can help. If you are overwhelmed by all the information out there, and wish someone would narrow it down for you, you've got your wish :). I'm also offering a new "Back to Basic Finances" class: a 4 session individualized Zoom class where you can learn the basics of budgeting, expense reduction, debt reduction, and more to help you manage your finances during this uncertain time. Check it out! www.kdhollandsolutions.com

As a financial educator, I find Bullard's response accurate and responsible. I have been checking (and rechecking) with all of my stock market/investment/employment sources regarding the state our economy was in before the pandemic, and they all agree: the foundation of our economic base was solid. VERY solid. If we look at the economic shutdown not as a recession or possible depression in the making, but as Bullard says, "An investment in the public heath that lays the groun...dwork for a rapid rebound" we will bounce back economically much more quickly. (For instance, a stock market-savvy friend of mine says that a 4,000plus point gain in the Dow is not an impossible event). "The recent jump in unemployment claims? That's a win, a sign that so-called government stabilizers are being used. The hope should be that such programs get "crazy heavy use" in coming weeks, he said. If economic output falls by half in the second quarter, that's a win - not a record-setting defeat. It means businesses have heeded orders to close and customers to stay home. "We are not trying to move production and income up in the second quarter. We are trying to keep it out of the second quarter," Bullard said. "You want capital to just sit in place. Switch off the factory ... Then switch it back on." Whether you are a fiscal conservative or advocate for government spending, he also makes some salient points about the necessary government response to make this recovery quicker: match dollar for dollar what is being lost in short-term zero interest loans, unemployment claims & insurance, etc. If you agree with this, begin to call your representatives and senators, and spur our governmental leadership to "prime the pump" for a tremendous economic rebound.

For small business owners in California, there are low interest disaster loans available for you to help you through the COVID-19 crisis. Please wait until tomorrow, March 18 2020 to apply, as they are still updating the Small Business Administration website. But be encouraged. Resources are available to help you weather the storm.

There are a few spots open for this fall's Building Independence course, so it's time for a special incentive! If you refer a friend, and you both enroll your student, I'll give each parent/family a "referral discount" of $10 off per semester. That's a savings of $20 per family....what a great way to start a financial literacy class ! Call (559-970-4526), text or email ([email protected]) with questions, or to enroll your student!

Announcing a price reduction for my Fall 2019 Building Independence 28 week course! Material and rental costs have gone down, so I'm passing the savings on to you! Financial Literacy is now the new "buzz word" in politics and education circles. I developed my Building Independence course years ago, however, when I saw the skyrocketing student loan debt and plunging savings rates for the "thirtysomethings" I knew. This comprehensive financial and life skills course is designed... to help homeschooled, public or private schooled students face "adulthood" with a full set of financial tools. The Fall 2019 class is enrolling NOW. Don't let your student "miss out" on information and skills that will last his/her a lifetime! Call, email or text with questions to enroll your student.

It is hard to believe that the 2018/19 school year is done, and it's time to prep for the fall! If you have high school students, consider enrolling them in my financial literacy class, Building Independence (see attached flyer). We discuss relevant topics that help your student manage their finances, as well as buy their first car, find insurance, file taxes, choose a career/college, and find a job. Enroll your student today in my Wednesday morning classes (begin Septemer 4). Cost is $150/semester per student. Other class announcements to follow. Questions? Call 559-970-4526, or check out more details at www.kdhollandsolutions.com.