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SBA Economic Injury Disaster Loans Available for Combined Effects of Excessive Rain, Flooding, Hurricanes Florence and Michael Following Secretary of Agriculture Disaster Declaration for New Jersey

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The U.S. Small Business Administration announced today that Economic Injury Disaster Loans are available to small businesses, small agricultural cooperatives, small businesses engaged in aquaculture and private nonprofit organizations located in Cumberland, Gloucester and Salem counties in New Jersey as a result of the combined effects of excessive rain, flooding, hurricanes Florence and Michael from June 14 through Nov. 29, 2018.

“These counties are eligible because they are contiguous to one or more primary counties in Delaware. The Small Business Administration recognizes that disasters do not usually stop at county or state lines. For that reason, counties adjacent to primary counties named in the declaration are included,” said Kem Fleming, director of SBA’s Field Operations Center East.

Under this declaration, the SBA’s Economic Injury Disaster Loan program is available to eligible farm-related and nonfarm-related entities that suffered financial losses as a direct result of this disaster. With the exception of aquaculture enterprises, SBA cannot provide disaster loans to agricultural producers, farmers and ranchers.

The loan amount can be up to $2 million with interest rates of 2.5 percent for private nonprofit organizations of all sizes and 3.61 percent for small businesses, with terms up to 30 years. The SBA determines eligibility based on the size of the applicant, type of activity and its financial resources. Loan amounts and terms are set by the SBA and are based on each applicant’s financial condition. These working capital loans may be used to pay fixed debts, payroll, accounts payable, and other bills that could have been paid had the disaster not occurred. The loans are not intended to replace lost sales or profits.

Applicants may apply online using the Electronic Loan Application (ELA) via SBA’s secure website at Disasterloan.sba.gov.

Disaster loan information and application forms may also be obtained by calling the SBA’s Customer Service Center at 800-659-2955 (800-877-8339 for the deaf and hard-of-hearing) or by sending an email to disastercustomerservice@sba.gov. Loan applications can be downloaded from Disasterloan.sba.gov. Completed applications should be mailed to: U.S. Small Business Administration, Processing and Disbursement Center, 14925 Kingsport Road, Fort Worth, TX 76155.

Submit completed loan applications to SBA no later than Oct. 21, 2019.

About the U.S. Small Business Administration
The U.S. Small Business Administration makes the American dream of business ownership a reality. As the only go-to resource and voice for small businesses backed by the strength of the federal government, the SBA empowers entrepreneurs and small business owners with the resources and support they need to start, grow or expand their businesses, or recover from a declared disaster. It delivers services through an extensive network of SBA field offices and partnerships with public and private organizations. To learn more, visit www.sba.gov.

As you are aware, Governor Murphy signed a new minimum wage law this week.

Here’s what you need to know:

♦  July 1, 2019 minimum wage rate increases to $10/hour

♦  January 1, 2020 minimum wage rate increases again to $11/hour

♦  January 1, 2024 minimum wage rate will be $15/hour

♦  Seasonal businesses and businesses with less than 6 employees will have a longer phase-in time to reach $15/hour by the year 2026.

♦  Agricultural workers’ minimum wage rate will rise to $12.50/hour by 2024, but no higher without review by the NJ Dept of Labor & Workforce, and with legislative approval.

♦  Training wages are allowed for new employees. A sub-minimum wage rate may be paid for the first 120 hours of work, but can not be less than 90% of the current minimum wage.

♦  Tipped wages will increase from $2.13/hour to $5.13/hour. Wage plus tips must equal the current hourly minimum wage rate.

Dates:
Part 1: January 11, 2019
Part 2: February 15, 2019
Part3: March 15, 2019

Times: 8:15am—10:30am

Location: Salem Community College Donaghay Hall Room 106, 460 Hollywood Avenue Carneys Point, NJ 08069

RSVP:
Click here to download RSVP PDF
HURRY SPACE IS LIMITED

Gung Ho! How to Motivate the People in Any Organization – 3 Part Series

A Three Part Seminar Series to benefit new managers, managers and team leaders in your company or non-profit organization.

Gung Ho, a much beloved book reveals a revolutionary technique to increase productivity and boost morale in the work- place.

Written by Ken Blanchard and Sheldon Bowles, Gung Ho! uses a compelling story to examine three principles:

The Spirit of the Squirrel The Way of the Beaver The Gift of the Goose

We’ll explore how to apply these principles daily in your workplace. Use this special opportunity to learn invaluable techniques and give your business — and yourself — a competitive advantage.

Presented by Mike Gorman, Ed.D., President of Salem Community College and Chair of the Board for The Chamber.

*Not necessary to read the book prior but participants may if they wish

Date: Thursday evening, March 21, 2019

Time: 5:30 pm—7:30 pm

Location: Friends Village at Woodstown Fenwick Auditorium, 1 Friends Drive, Woodstown, NJ 08098

RSVP: To Brittany Vanaman by March 15, at 856-351-2244
Click here to download RSVP PDF

The Chamber Ambassadors have planned this very unique networking event to help businesses showcase and promote their businesses via a kicked up “speed networking” format with displays.

Here’s how it will work, participating showcase businesses will set up vendor style with promotional items and product. As other business folks arrive, attendees will visit each booth and speak briefly to the ven- dors. Vendors will have an opportunity to give a brief overview of their business and products/services they offer.

Then, after all Chamber Members in attendance have visited each ven- dor, they will have time to go back and revisit vendors to gather more detail.

Tables will be provided to vendors. Each vendor will bring their own display materials and make a $25 donation to Friends Village. Dona- tions to Friends will be used for their Benevolence Fund.

FRIENDS VILLAGE BENEVOLENCE FUND

The Friends Village Benevolence Fund was created many years ago to help offset the cost of care for seniors who live, rehab and heal in one of our programs throughout our campus. We have been fortunate to be able to provide over a million dollars of charitable care through this fund over the past three years. Friends Village hosts sev- eral fundraising events such as our annual Golf Outing (October 10, 2019) and our Holiday Concert (December 7, 2019) to help keep this fund available for those who need financial assistance most.

As the event sponsor and host, Friends Village will provide free re- freshments. There is no charge for attendees who are not vending, so feel free to bring a guest!

Focusing on Health Care in New Jersey

Date: Friday, March 29, 2019

Time: 11:30am—1pm

Location: Salem Community College Davidow Atrium, 460 Hollywood Avenue Carneys Point, NJ 08069

RSVP: To Brittany Vanaman by March 15 at 856-351-2244 or to Brit@SalemCountyChamber.com
Click here to download RSVP PDF

Join us for a great lunch with ample opportunity to network with other business leaders. The luncheon is brought to you by a sub committee of The Chamber Board, led by Tammy Torres, CEO of Memorial Hospital of Salem County.

Tammy has secured NJ Dept. of Health Commissioner Elnahal to present a healt care update. The Commissioner with provide an update on health care from the State’s perspective.

Lunch will begin in the Davidow Hall Atrium, with the presentation in the Davidow Auditorium. Lunch catering from Lapp’s Dutch Market, menu includes:

Fresh Fruit
Top Round of Beef Au Jus and Rotisserie Chicken Mashed Red Skin Potatoes with Chive & Garlic Green Beans with Ham
Carrot and Raisin Salad
Cole Slaw
Coffee, Iced Tea and Water

$30 for Chamber Members—$40 “Wish You Were Members” Price

The Tipping Point— How Can Little Things Make a Big difference?- 2 Part Series

Dates:
Part 1: April 5, 2019
Part 2 – May 3, 2019

Times: 8:15am—10:30am

Location: Salem Community College Tillis Room 123 1st Floor 460 Hollywood Avenue Carneys Point, NJ 08069

RSVP: $20 per person for both seminars.
RSVP to Brittany Vanaman at 856- 351-2244 or RSVP with payment at: www.SalemCountyChamber.com/join Choose the events and other payments tab.
Click here to down load RSVP PDF