Gooding Community Newsletter
Dealing With Changes
The world has certainly taken a strange turn over the past couple of weeks. Fear and uncertainty loom, and the feeling is almost surreal. I wanted to compose a special edition of the newsletter to let you know about some of the things happening within our community as we adjust to these changes, offer some help to families, teachers, and small businesses, and to send a message of hope and love. With faith and compassion we can weather the storm. Please find ways to take care of yourselves and each other. As conditions continue to evolve, we will continue to try to share out information the best we can.
Gooding City Council
Idaho wants to hear from small businesses impacted by coronavirus
Businesses impacted may be eligible for SBA Disaster Economic Injury Loan Assistance
Boise, Idaho – Governor Brad Little announced the State of Idaho is seeking responses from small, non-farm businesses across Idaho whose operations and ability to conduct business have been disrupted by the 2019 novel coronavirus (COVID-19).
The information received will determine whether impacted businesses will be eligible for disaster assistance in the form of low interest loans from the U.S. Small Business Administration (SBA) though Economic Injury Disaster Loan assistance.
Coronavirus has caused disruptions in ordinary business functions and economic injury since the first confirmed case occurred in the United States in January.
The State of Idaho will need responses from small businesses to demonstrate economic injury as determined by the SBA in order to activate Economic Injury Disaster Loan assistance.
In order to respond, businesses should complete and the SBA Disaster Economic Injury Worksheet to assist with the qualification process. The worksheet can be found on the Idaho Commerce website at https://commerce.idaho.gov/covid-19/.
Forms can be downloaded, completed, and e-mailed to Jerry Miller at the Idaho Department of Commerce at email@example.com. For alternative submission options, call 208-287-0780.
Businesses impacted coronavirus who may not apply to receive financial assistance are still encouraged to submit worksheets to document the impact on their business. This information will help Idaho businesses who do apply for an Economic Injury Disaster Loan to be more likely to receive assistance.
If approved, the assistance will be in the form of low interest, direct loans from the SBA. These loans may be used to pay fixed debts, payroll, accounts payable and other bills that cannot be paid because of the disaster’s impact. The interest rate is 3.75-percent for small businesses. The interest rate for non-profits is 2.75-percent. The SBA offers loans with long-term repayments in order to keep payments affordable, up to a maximum of 30 years. Terms are determined on a case-by-case basis, based upon each borrower’s ability to repay.
Farms and ranches are not eligible for the SBA program but may seek information from their county U.S. Department of Agriculture, Farm Service Agency representative.
For additional information, visit the SBA disaster assistance website at SBA.gov/Disaster.
North Canyon Medical Center COVID-19 Hotline
For anyone in our community who has questions about the medical aspects of this illness, please call 9344-4747. This number will be staffed 24/7 with Registered Nurse’s and Providers. This information is also on the hospital website. Please help share this information.
A Sample Day with Ideas to Help Fill the Time
Many families are stuck at home right now, or have children that are home alone unexpectedly. One of the best things we can do is to establish productive routines. The following is a sample schedule that families might adopt in an attempt to stay productive and positive. *disclaimer: what follows is a pretty packed day with a lot of transitions. The purpose here is not to impose a structure but to offer ideas for how to break up the time. Think of it as a menu of options; pick and choose what works for your children and your family.
8:00 Make breakfast together
9:00 An hour of schoolwork
10:00 DIY Science project
11:00 Exercise! Here are some Indoor suggestions
12:00 Creative lunch-making
1:00 Second session of schoolwork
2:00 Round 2 of physical activity - we all need it...
3:00 Healthy snack & DIY Crafts project
4:00 Write, rehearse, and perform a play or mock commercial, or dress up time.
6:00 Prepare, eat, and clean up dinner; everyone helps.
8:00 Board Games/showers/read aloud before bed
Region IV Development - Small Business Loan Availability
This is a time of uncertainty. In the days and weeks ahead, the small businesses in our area will be facing challenges caused by the COVID-19 coronavirus. Many of our local business are already feeling the impact of this pandemic. As you have heard in the news, SBA has set aside $50 Billion to support small businesses across the country. Below is some information that we hope you find helpful in the coming weeks as you hear from businesses needing assistance.
- To access these newly authorized funds, SBA has set up the process to be used directly through their website at https://www.sba.gov/funding-programs/disaster-assistance. As you talk with small businesses in your area and you see the needs that they may have, please refer them to SBA’s website for financial assistance or you can refer them to us. These emergency funds can be used to service debt, payroll, working capital, inventory, etc. at a rate of 3.75%. These funds are available for those that have been affected by the National emergency/disaster. We have already offered some of our small businesses the help of walking through SBA’s website. The attached “Three Step Process SBA Disaster Loans” PDF file document provides more information on how to access these funds. As of today, March 17, 2020, the eight counties of South-central Idaho are currently not listed as eligible on the SBA website. However, with the declaration, it may only be a matter of time before we become eligible.
- Deferrals on existing SBA 504 Loans: For our existing SBA 504 Loan borrowers, once a “State of Emergency” has been issued in an area (Governor Brad Little has already issued this for the State of Idaho), borrowers are eligible to request and apply for a deferral on their SBA 504 loan payments. These deferrals as of now, can be for up to 6 months. We have not had any requests at this time but we will address each of request as they come in. If you know of anyone that needs this assistance, please have them reach out to any member of our Loan Division team.
- The SBA 504 Loan program is still operating and available. This program offers low, fixed interest rates for 10, 20, & 25 year terms for fixed assets (example: real estate, equipment and refinancing).
Internal Loan Programs (RLF, IRP, & Micro-Loan Program):
- As for the availability of funds in our existing loan programs, we have some funding available in each program. For now, we will continue to review each request as they come in the same way we always have. If you know some businesses that could utilize our local funding programs, please send them our way. We will assist them as quickly and efficiently as possible. We have had discussions with some government agencies regarding the possibility of adding additional funding to these programs to address the rising need for these funds. We will continue to pursue those discussions to seek for new opportunities for the businesses in our region.
- Deferrals: Steven and I continue to discuss how to handle deferrals requests in regards to our internal loan programs. As of right now, we have had one (1) request for a 60-day deferral with it being added on the back end of the loan. We are in the process of determining how to address these request appropriately with the situation we are in.
Thank you for all that you do for our communities and small business owners. This is an unprecedented time and challenges are sure to come. We hope that you will refer individuals to our loan division team. We ask for your patient and assistance as we move new loan requests, servicing, and existing requests through the process. We hope to do all we can to help our small businesses through this time. If we can be of any help, please contact us. Thank you.
Jeffrey C. McCurdy
President & CEO
PO Box 5079 Twin Falls, ID 83303
208.732.5727 x 3010
City Hall is closed to help prevent the spread of COVID-19.
Payments can be placed in the drop box, or by calling (208) 934-5669 or on our website at www.goodingidaho.org.
We apologize if this causes any inconvenience.
Great Resources for Teachers
The Idaho Digital Learning Academy (IDLA) has opened up their curriculum to Idaho teachers. With the exception of certain things like quizzes and tests, teachers can now find completely developed curriculum and resources for pretty much every class taught in Idaho's middle and high schools. I work for this organization, and have never been more proud to do so than right now! Check out what they have available at https://www.idahodigitallearning.org/eday2020/
If you are looking for a good way to deliver content to your students, Loom is a terrific program for creating videos. Using your own webcam and microphone, Loom gives you the ability to record yourself discussing assignments, presenting, or lecturing on any given topic. It has the ability to capture what is on your computer screen in addition to (or instead of) your face, so it can be a great way to present slides, work through demonstrations on a whiteboard app, etc. Loom Pro is now free to educators for life, so the number and length of videos is unlimited. If you are worried about tracking attendance and having some sort of accountability for that, Loom can also send you an email to notify you when one of your students has watched one of your videos. Paired with something like Google Forms, it can be a great way to deliver a lesson and then provide a quiz or worksheet for accountability.
If you want to try to hold synchronous meetings with your students, Zoom is now also free. This is a video conferencing platform that allows you to all join an online "room" together which you can moderate, but in which everyone can interact. Details can be found here on their website: https://zoom.us/
Here is a list of 130 more resource available! These cover all age and grade levels, and can be perfect for families looking for resources too. Check it out: https://www.weareteachers.com/free-online-learning-resources/
If forced isolation occurs...
Baking = great STEM learning
After you've done all the measuring, then you can think about the chemistry of cooking. At what temperature does butter melt? Or water boil? You and your child can generate hundreds of questions and answers about math and science by the simple act of making cookies.
Then, once those cookies are made, there are all kinds of story problems! If everyone in the family gets an equal number of cookies, how many cookies does each person get? What about the ethical dimensions of cookie-making? Who should get the most? The person who cooks? Who cleans? Who buys the groceries? Or should everyone get an equal amount?