Deadline for Small Business Relief Extended Until Sept. 30 -

Deadline for Small Business Relief Extended Until Sept. 30 -

Deadline for Small Business Relief Extended Until Sept. 30 -

Posted: 25 Sep 2020 08:30 AM PDT

Friday, September 25, 2020 | 09:12am

NASHVILLETenn. – Tennessee Governor Bill Lee today announced a 5-day extension for eligible small businesses to certify for the Tennessee Business Relief Program (TBRP).

"We want to ensure this relief makes it to as many small businesses as possible who are hurting from the impacts of the pandemic," said Gov. Lee. "I encourage every eligible business to certify and take advantage of these no-cost funds."

According to the Department of Revenue, an estimated 15,000 businesses may still be eligible for approximately $120 million in TBRP funds.

Businesses can check their eligibility at Eligible businesses can certify here.

Gov. Lee and the Financial Stimulus Accountability Group announced the initial $200 million in Tennessee Business Relief Program funds on June 2nd and an additional $83.5 million on August 14th.

For questions please call the TN Dept of Revenue at (615) 253-0600 or email More details can be found at


How To Succeed In A Small Business While Handling Adversity - PRNewswire

Posted: 25 Sep 2020 08:01 AM PDT

But she persevered and came back, and despite additional legal problems from other issues that would threaten her business, she is now sharing her moving story in a new book, 7 Years on the Front Line: True Stories and Tough Lessons about a Small Business that You Won't Learn in a Classroom.

Tse survived many challenges, including an unjustified three-year long IRS audit, her own interim CEO seeking to undermine her, and a lawsuit for $2,900 bill that ended up costing her many times more in legal fees. These may seem like examples of a business failure, but they are the lessons learned by a strong and empowered immigrant woman of faith who was able to establish, grow, and re-grow her business.

The book describes:

  • How a strong-willed immigrant crossed cultural and gender boundaries to become a successful entrepreneur
  • The challenges women face in business, and the opportunities available to them
  • Motivational insights for living a healthy, balanced life
  • The shortcomings of the legal system – knowing when to sue and when to settle
  • The importance of maintaining character and reputation during times of adversity

"I want to give hope and inspiration to the millions of people who launch a business this year," says Tse, "and to tens of millions more who struggle to survive and thrive in the small business world, especially during a pandemic and strained economy. I intentionally made my story one that is transparent so that people can see how real people make real mistakes – and how they can find achievable solutions."

About Sarah Y. Tse
Sarah Y. Tse is a successful entrepreneur, publisher, and author. She has been the founder and CEO of United Yearbook Printing since 2008, and has been the co-founder and CEO of TSE Worldwide Press since 2004.  Her education includes receiving a B.A. in Computer Graphics Design from Biola University, studying law at California Southern Law School, and earning an M.B.A. in International Business and Marketing from California State Polytechnic University, Pomona. Sarah is currently enrolled at a law program with NWCU School of Law, and is preparing to become licensed to practice in the state of California.

Tse resides in Southern California. For more information, please consult: and  

SOURCE Sarah Y. Tse

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72% of Small Business Owners Remain Optimistic About Their Future - Small Business Trends

Posted: 25 Sep 2020 05:00 AM PDT

It's been a rough year for business, there's no doubt about that. The pandemic has taken its toll on small businesses. Despite the hardships and challenges, it's not all doom and gloom. This new survey by Bluehost shows optimism is aplenty, with 3 in 4 small businesses being hopeful about the future.

Web hosting specialists Bluehost analyzed the responses of 500 small business owners in the US. The 'State of Small Business Survey' explored business owners' thoughts and plans as we move into 2021.

Bluehost Small Business Optimism Survey

72% of those surveyed say they are confident about the business outlook. Much of the positivity involves online sales. Almost half the respondents admit they have no reason for a physical store.  Three-quarters of small business owners expect their online sales to increase in 2021.

Turning Passions into Businesses: The research highlights a determination not to let the unforeseen obstacles of the pandemic bring people down. As many as 27% of respondents say they have turned their passions or hobbies into a full-time business.

Fortitude and Proactivity: Showing fortitude and proactivity, small businesses are busy implementing important digital changes. One key change is adjusting websites, with 39% of business owners prioritizing website modification. 31% say they plan to expand their social media presence. A similar number are going to increase marketing efforts in a bid to pull their business through these testing times.

Lingering Concerns: Naturally, there are lingering concerns. One top concern is related to securing new business. 44% of the business owners surveyed say they are apprehensive about acquiring new customers.

Almost a third of small businesses are worried about the enduring economic impact from Covid-19. 21% of respondents cite lower sales and consumer demand as their most pressing concern in the months ahead.

Such concerns cement the importance of making savvy adjustments to business operations. By making changes to marketing and sales, small business owners will be better equipped to successfully navigate these testing times. Better still? Joining the 72% of small business owners who have an optimistic mindset about the future.



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A small business owner's advice after a disaster: Hire a public adjuster - USA TODAY

Posted: 25 Sep 2020 08:00 AM PDT


The morning of Sept. 9 started out as any other for Brian Garrison, owner of Garrison's Home and Garrison's Sleeper in Southern Oregon. Just a few hours later, he saw two of his four stores burned to the ground in a fire that swept through the Rogue Valley, Oregon.

Fortunately, Garrison and his business are doing OK.

"We had just finished a massive remodel (of the two stores that burned) two weeks ago," said Garrison. "The stores looked so good, and sales (after the COVID-19 shutdown) were starting to improve. The staff was so proud, and we had so much positive energy."

Increasingly, small businesses are victims of natural disasters – whether it's fires, hurricanes and tropical storms, floods or blizzards. Emergency preparedness now needs to be part of your business plan.

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"Every year when we'd sit down with my insurance agent, it felt like I was paying so much for something I'd never use," said Garrison.

Like most small business owners, Garrison had little reason to expect such devastation. His businesses weren't even in a fire-prone area.

"The devastation (was) unfathomable," said Garrison, "I got to see the store site and see the ash and rubble, that's all that's left."

He prepared his business for an emergency like this one, and took a step that few small business owners know about: Garrison hired a public adjuster.

Because of his insurance, Garrison is confident his business will recover, and he quickly turned to taking care of his employees. He was able to keep all seven of his employees of the burnt-out stores on the payroll of his two other stores. He told them to take whatever time off they needed to handle personal issues.

Hiring a public adjuster

Fortunately, business owners who had gone through other disasters reached out to Garrison with a recommendation: hire a "public adjuster." A state-licensed professional hired by the insured party to help navigate the claims process.      

"We work to make sure the insured gets paid everything they're entitled to, help figure out what everything's value is, whether it's a total loss," said Steve Severaid, Principal with Adjustors International.

Public adjusters handle all the financial paperwork and communication with the insurance company, and are an independent party to talk through a business owner's options.

"Without someone who knows all the ins-and-outs of how settlements get made, you (a business owner) tend to ask questions of (insurance company representatives) that might not be in the best interests of your claim," added Severaid.

Garrison said that hiring a public adjuster frees him to focus on the future of his business rather than having to focus on insurance matters.

What can you learn from Garrison to help you both prepare for, and recover from, a natural disaster?

  1. Get adequate insurance and review it regularly. "Make sure you're buttoned up from an insurance standpoint, don't try to cut corners," advises Garrison. "Guess high on what you cover for contents. And make sure you have a loss-of-business  (business interruption) clause."
  2. Engage a Public Adjuster quickly.Adjusters International has eight affiliates across the U.S., but you can find other public adjusters wherever your business is located. 
  3. Back up your data to the cloud. I worked with small business advisors helping owners after 9/11, Hurricane Katrina and the Paradise fire. All bemoaned the high percentage of small businesses that were unable to recover their data and had a hard time getting federal assistance or fully recovering on their insurance. Backup to the cloud.
  4. Help your employees and your community. If you're able, remember you need a whole community to heal to enable your business to recover. "We're going to be fine," said Garrison, who chokes up when he talks about what he's seen others in his community going through, "but I'm overwhelmed with emotion."

Even in the midst of his own loss, Garrison started a GoFundMe fire relief fund to help those who'd lost homes and did not have insurance. Garrison matched the first $15,000 in donations.

Rhonda Abrams is the author of "Successful Business Plan: Secrets & Strategies," the best-selling business plan guide in the U.S., recently named one of the 100 best business strategy books of all time. Follow Rhonda on Twitter and Instagram: @RhondaAbrams.

The views and opinions expressed in this column are the author's and do not necessarily reflect those of USA TODAY.

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