SBA announces new and revised guidance for the PPP, implementing the PPPFA

PPP loan

WASHINGTON—The U.S. Small Business Administration, in consultation with the U.S. Department of the Treasury, issued new and revised guidance for the Paycheck Protection Program (PPP).  This guidance implements the Paycheck Protection Program Flexibility Act (PPPFA), signed into law by President Trump on June 5, 2020, and expands eligibility for businesses with owners who have past felony convictions.

To implement the PPPFA, SBA revised its first PPP interim final rule, which was posted on April 2, 2020.  As described in detail in the SBA announcement on June 8, 2020, the new rule updates provisions relating to loan maturity, deferral of loan payments, and forgiveness provisions. 

In addition, as an exercise of SBA’s policy discretion in furtherance of President Trump’s leadership and bipartisan support on criminal justice reform, the eligibility threshold for those with felony criminal histories has been changed.  The look-back period has been reduced from 5 years to 1 year to determine eligibility for applicants, or owners of applicants, who, for non-financial felonies, have (1) been convicted, (2) pleaded guilty, (3) pleaded no contendere, or (4) been placed on any form of parole or probation (including probation before judgment).  The period remains 5 years for felonies involving fraud, bribery, embezzlement, or a false statement in a loan application or an application for federal financial assistance.  The application also eliminates pretrial diversion status as a criterion affecting eligibility.

SBA issued revised PPP application forms to conform to these changes.  The guidance and revised application forms are available on SBA’s and Treasury’s websites.  SBA will issue additional guidance regarding loan forgiveness and a revised forgiveness application to implement the PPPFA in the near future.

Click here to view the new Interim Final Rules.

Click here to view the new Borrower Application.

Click here to view the new Lender Application.

Paycheck Protection Program Flexibility Act signed into law

SBA Paycheck Protection Program icon

WASHINGTON –SBA Administrator Jovita Carranza and U.S. Treasury Secretary Steven T. Mnuchin issued the following statement today following the enactment of the Paycheck Protection Program (PPP) Flexibility Act:

“We want to thank President Trump for his leadership and commend Leader McConnell, Leader Schumer, Speaker Pelosi, and Leader McCarthy for working on a bipartisan basis to pass this legislation for small businesses participating in the Paycheck Protection Program.

“We also want to express our gratitude to Chairman Rubio, Ranking Member Cardin, Senator Collins, Congressman Roy, Congressman Phillips, and other members of Congress who have helped to create and guide our implementation of this critical program that has provided over 4.5 million small business loans totaling more than $500 billion to ensure that approximately 50 million hardworking Americans stay connected to their jobs.

“This bill will provide businesses with more time and flexibility to keep their employees on the payroll and ensure their continued operations as we safely reopen our country.

“We look forward to getting the American people back to work as quickly as possible.”

Upcoming Procedures

SBA, in consultation with Treasury, will promptly issue rules and guidance, a modified borrower application form, and a modified loan forgiveness application implementing these legislative amendments to the PPP.  These modifications will implement the following important changes:

Extend the covered period for loan forgiveness from eight weeks after the date of loan disbursement to 24 weeks after the date of loan disbursement, providing substantially greater flexibility for borrowers to qualify for loan forgiveness.  Borrowers who have already received PPP loans retain the option to use an eight-week covered period.

  • Lower the requirements that 75 percent of a borrower’s loan proceeds must be used for payroll costs and that 75 percent of the loan forgiveness amount must have been spent on payroll costs during the 24-week loan forgiveness covered period to 60 percent for each of these requirements. If a borrower uses less than 60 percent of the loan amount for payroll costs during the forgiveness covered period, the borrower will continue to be eligible for partial loan forgiveness, subject to at least 60 percent of the loan forgiveness amount having been used for payroll costs.
  • Provide a safe harbor from reductions in loan forgiveness based on reductions in full-time equivalent employees for borrowers that are unable to return to the same level of business activity the business was operating at before February 15, 2020, due to compliance with requirements or guidance issued between March 1, 2020 and December 31, 2020 by the Secretary of Health and Human Services, the Director of the Centers for Disease Control and Prevention, or the Occupational Safety and Health Administration, related to worker or customer safety requirements related to COVID–19.
  • Provide a safe harbor from reductions in loan forgiveness based on reductions in full-time equivalent employees, to provide protections for borrowers that are both unable to rehire individuals who were employees of the borrower on February 15, 2020, and unable to hire similarly qualified employees for unfilled positions by December 31, 2020.
  • Increase to five years the maturity of PPP loans that are approved by SBA (based on the date SBA assigns a loan number) on or after June 5, 2020.
  • Extend the deferral period for borrower payments of principal, interest, and fees on PPP loans to the date that SBA remits the borrower’s loan forgiveness amount to the lender (or, if the borrower does not apply for loan forgiveness, 10 months after the end of the borrower’s loan forgiveness covered period).
  • In addition, the new rules will confirm that June 30, 2020, remains the last date on which a PPP loan application can be approved.

FocalPoint business coach Luca Setti offers webinar series to help leaders succeed

Luca Setti, former Chief Sales and Marketing officer of Florida Tile, helped turn the tile manufacturer return to a profitable multi-million-dollar company. He did this by redefining a vision and mission and then honing product, distribution, people, process and procedures for the company.

Setti fell in love with this process, and after leaving Florida Tile, went through training to become a Certified Executive Business Coach and Trainer with FocalPoint. His aim is now to help many companies excel and succeed. The challenges posed by COVID-19, led him to develop a series of webinars for leaders, executives and business owners.

His April webinar, entitled “Top 7 Actions Leaders Can Take in Challenging Moments” offered the results of a few studies that FocalPoint conducted on leaders. Setti said the focus was on actions leaders took in good and bad times to be great, including “examples of how we can take those same actions into our own life and business.”

In the webinar, Setti explored the mindset and principles of successful leaders, including the Law of Attraction (what you think about, you bring about). His presentation also unpacked the concept of Victor or Victims, which encourages a positive, proactive, visionary mindset focused on excellence and a clear and specific goal that leads to being a victor, versus blaming, excuse-making, negative, denial and scarcity-based mindsets that lead to victim mentalities. “Nothing GREAT in life or in business comes out if we don’t have a proper mindset,” he said.

flyer of man advertising next webinar

The webinar also offered seven actions that all leaders employ consistently in good and bad times. These 7 C’s of Leadership are: 
 • Clarity: Leaders develop a clear vision of where they want to go, or what they want to become. They invest time in learning about themselves, starting from what they love to do and what they are good at, and then learning about others, and what they need or want.
• Competence: Leaders know that in order to be great, they have to become very good in something or in a few things: really, really good!  That’s why they constantly work on mastering their skills.
• Continuous Learners: Leaders never quit learning, never quit adapting to changes and continually get better.
• Constraints Analysis: Leaders aren’t scared to assess themselves, or recruit the help of others, to discover what their constraints, limitations, and weaknesses are or what’s holding them back. They do this because they know that no matter how good they are, they can only go as far or as fast as their limitations.  Understanding their constraints is key because they can then create plans to improve them and so reach their goals faster.
• Creativity: Leaders develop an ability to create meaningful new ideas, forms, methods, or just new ways to communicate. This is something that can be achieved by engaging employees, clients, peers or can be cultivated with the help of a trusted advisor, a coach.
• Concentration: Leaders focus on one thing at a time. Multitasking is not effective or efficient. It’s been proven over and over again that it is impossible to really succeed while doing many things in life. Leaders instead do one thing well.
• Courage: Leaders believe so much in their ideas that they are willing to do whatever it takes to get there, starting first from the things they most fear.

The webinar was well-received, and has laid the groundwork for another webinar, scheduled this week on Thursday, June 4. “Back in Business with Less Stress? Let’s Build a Strategic Plan” is directed at business owners and executives, encouraging a back-to-the-drawing board approach to strategically position businesses for post-COVID success. Click here for more information and to sign up. For more information about Setti, visit https://lucasetti.focalpointcoaching.com/.

COVID-19 Contractor Perspective: James Woelfel, Artcraft Granite, Marble and Tile Co.

James woelfel artcraft talks about his company and covid
James Woelfel, Artcraft Granite, Marble and Tile Company, Mesa, Ariz.

I am overwhelmed, I am sure all tile contractors feel this way. I have noticed the last couple of weeks that I am depressed. Some of my personal history may help to explain where I am coming from.

When I was pursuing professional golf, I had a lot of issues concentrating on the golf course and not getting bogged down in what I perceived as infinite details when preparing to hit a shot. These details were interfering with my concentration during the round. I decided to seek help with a psychologist, I was diagnosed with ADHD. Eventually I could not overcome my concentration issues and gave up on a professional golf career.

I now pursue the tile profession with the same abandon as I did my golf career. One of the things the psychologist told me is that anxiety breeds depression.I have always been anxious but never like this, combined with the stress this job brings, the anxiety has really put me on edge. I consider myself a leader in this industry and put pressure on myself to lead.

Combining all of these things — plus a pandemic — has led me to the state of mind I am feeling now. I am depressed; the anxiety of not knowing is driving most of this feeling. I am always thinking 6-12 months ahead, be it scheduling, finances, bidding and procuring work, or making sure I have the right people in the right positions. Usually my thoughts and actions are usually correct when forecasting, but now I have no idea what is going to happen.

As I write this I am forcing myself to take stock of the positives in my life. I have a wonderful and loving wife who is the bedrock foundation that our family is built upon. My son fights every day for his place in the world; he has overcome so much. I need to stop thinking that his issues are a negative and realize his fight is a positive for him and for us. All of my family is healthy, this is really great news. My friends are healthy and yet they too are concerned. It is impossible to always be happy; we are all human and have faults. I have plenty to keep me busy.

I am sure everyone out there in the world feels these issues. Am I feeling sorry for myself? Probably, but I really think this is the time that we need to take care of our mental health. To honestly share our feelings with our spouses, our partners our friends and even a mental health professional is imperative right now.

We have never experienced a pandemic in our lifetime. Two months of isolation has bred bad thoughts in my mind. I am sharing this selfishly to get my thoughts out into the world to ease the stress on my mind. I wish I had more tools in my mental toolbox to deal with these thoughts. I don’t. I am trying to work through my mental state with my family and friends, and I am hoping to clear my mind a little.

I was brought up with the “John Wayne” mentality: get it done, no time to feel sorry for yourself, be tough, show no emotion. This mentality is not working right now. If any of you feel the same way I would encourage you to talk about your feelings or thoughts with family, friends or a professional.  I am trying; how about you?  How we rebound mentally from this pandemic in my opinion, is what will guide us to success or lead us into failure. 

Glass Mosaic Artist Allison Eden Studios Pivots Into Fashion With Face Mask Line

Yellow face mask with diamond design
Allison Eden Studios’ Mod Circles Face Mask uses a pattern derived from her mosaic tiles.

World-renowned interior design glass artist Allison Eden has repurposed vivid mosaic patterns for use in high fashion face mask line. Allison Eden’s colorful mosaic and mirror designs have been used in leading interior design projects throughout the world. “It was a natural pivot for our business,” Eden said. “My designs make people happy and I love fashion, so our face masks will hopefully brighten your day during these difficult times.”

Eden is a well known veteran of the tile and stone industry with over 20 years experience. Her custom mosaic line is represented through dealers in every major US city. Eden’s glass artwork can be found in hotels, restaurants, casinos and cruise ships. “Not many people know that i graduated FIT and started my career designing sportswear,” she said. “I’m so excited to re-enter the fashion business with my mosaic patterns and contribute to the battle against COVID-19.”

Allison Eden’s fashion face masks are currently available in 5 styles with more to be introduced June 1 on https://www.AllisonEdenFashion.com

More information on Allison Eden’s mosaic artwork for interiors, textiles, carpets, and wallpapers available at https://www.AllisonEden.com

COVID Contractor Perspective: Greg Twarog, owner, Unique 2 LLC; NTCA Ambassador, CTI #1302

man in a mask and goggles

People who are not from a major city are asking what it’s like here right now, in the Chicago Southwest suburbs. I just left a project walk-through on W. Huron St.,  and in a word —  desolate. Even all of the buildings, stores, parks and streets  — they are all virtually empty. The streets, for the most part, are always busy here, so the fact that they are completely void of cars, bikes, people running, walking pets, delivering packages and the general hustle and bustle to and from work — it’s just plain odd. The irony is that on May 1, Friday morning, the residential high-rise garage is filled with cars. Later today, it was announced that Illinois would lift some of their mandates on some businesses soon, but the lasting effects will be felt for many years to come.

So what does all this mean when I’m physically going to measure a project and sell my company’s products and services?  I’ve decided to be empathetic to customers and to the reason our Great City remains like this since it was locked down just after St. Patrick’s day on March 21st. After all, I really don’t know the clients or their families, their lifestyles or political philosophies. I do my best to stay professional while keeping conversation to a minimum during this stressful time.

I ask how they and their family’s health are doing, but it’s not just casual conversation any more. If they say “all is good,” I move into the order of business, and the details as I always have. I explain our process, products used and professional background that I may not have covered in our first introductions on the phone or in an email.

If they are not well, I explain the installation start date will be dependent on everyone’s clear test results. If one of our crew calls off, a replacement will step in to finish the install or a return date will be made based on cleared results on our end. 

The rest of the process is pretty much intact as before, except I explain that we like to be the only trade scheduled for the day on their project. We ask to have minimal contact throughout the day now. For prevention we wear masks or respirators, face shields or goggles and hearing protection. We’ve already adopted PPE into daily use to combat exposure to silica dust. Now we also include a job site HEPA Air Scrubber. Hand sanitizer and general hygiene have always been  — and remain encouraged  — for our company. Clients and subcontractors working with us have been receptive to these logical changes, if not totally accepting of the explanations about the changes in both our process and daily company routines.

Daily prospecting for new business has been uniquely different since COVID-19. First and foremost, the phone has been quieter; also I visit fewer places daily so I don’t have the same level of contact with people currently. For almost three decades of business in this industry, I’ve generated a great deal of profitable contracts and leads through simple contact with people, and sharing information about myself and what services I provide. That personal contact is now all but eliminated. I can’t hand out a business card, offer a simple facial gesture like a reassuring smile or a firm handshake upon first meeting someone or closing a business deal. So, it’s challenging and awkward to work around.  These fundamentals for business success have been stripped away by the pandemic, government mandates and the need to preserve my health  — as well as everyone else’s health I come into contact with — along with their friends and family they live with.

I decided early on to go back to my roots and just call, text, and video call friends, clients, peers –everyone — to see how they have been doing healthwise, and in business. I also ask for their perspectives on how they have been adjusting to their daily local changes so we can compare notes on the subject. I’ve learned a lot in these conversations and extended them into my social media community. For instance, I learned in these conversations of the need for masks and face shields for several area hospitals. Through my contacts, I was able to supply some face shields. And a mosaic artist, Betsy Rocket of Vida VaVoom in Fort Wayne, Ind., answered my Facebook request for anyone who could help make masks with the fact that she is also a seamstress. She rose to the occasion and supplied about 100 much-needed masks (Ed. Note: Rocket is willing to make masks for anyone in need of cloth masks. Contact her at 260-579-8114).

This made me realize that some of these changes in our current culture are almost necessary. I feel early site visits are not really as essential now that we have such high-quality video and picture capabilities right on our phones. Based on this new kind of data sharing and discovery phase with the client, we can form preliminary budgets and soft terms. As a result, I feel these new efforts save me valuable company resources as well as time that can be spent in other more profitable ways. 

Paradigm shifts are not a bad thing but are not always easy for everyone to adjust to. Like it or not, the way we have done business until now has been forever changed by social distancing precautions we’ve needed to take in this pandemic. Meeting clients can happen through social media contact or contractor apps on our phones like Linkedin, Alignable or TraLaMa.

As I touched on earlier, I believe sharing pre-qualifying questions in context of the project scope, timelines and budgets along with preliminary measurements/prints are imperative before any on-site visits are made. I provide benchmark updates given by video recordings or virtual walkthroughs instead of in person to limit contact. Payments are mostly being processed by electronic transactions (instantly) by bank-to-bank transfers or money processing apps like PayPal, Cash App or Venmo instead of meeting in person for cash, checks or Square to change hands.

It’s 2020, so for the most part, I expected these futuristic technologies and safety precautions. I just wish we had the flying cars, personal jet packs and holographic television! I know — wishful thinking. Hey we do have Zoom though!

Be healthy and live well everyone!

How Employees Who Don’t Want to Return to Work Impact Your PPP loan.

SBA Paycheck Protection Program icon

As contractors begin to open or return to staffing at pre-pandemic levels, they may find employees are resisting coming back to work. According to a recent study, 54% of U.S. employees are worried about exposure to COVID-19 at their job. In addition, with the extra $600 that an employee can collect under the Coronavirus Aid, Relief, and Economic Security (CARES) Act, an employee can collect $1,000 a week or more of unemployment benefits. This may be more than their regular pay, adding another disincentive to returning to the job.

Unfortunately, employees refusing to come back to work can impact the amount of a Payroll Protection Program (“PPP”) loan that is forgiven. To maximize the amount of the loan forgiven, the employer must meet three requirements:

  1. 75% of the PPP loan must be used on payroll costs;
  2. Each employee’s pay during the 8 weeks must not be reduced by more than 25% of the employee’s pay during the most recent full quarter during which the employee was employed; and
  3. The average number of full-time employee equivalents paid during the 8-week must be the same as the average number of full-time employee equivalents paid between February 15, 2019 and June 30, 2019 OR January 1, 2020 and February 29, 2020. The employer gets to choose the comparison period. If you pay fewer employees during the 8-week period, the amount forgiven will be proportionately reduced. To determine the number of full-time employee equivalents you include part timers based on the amount they worked (e.g., five part-timer employees working one 8-hour shift a day equals one full-time employee).

This week the Small Business Administration (“SBA”) issued new guidance that addressed this issue. The SBA stated that it will exclude “laid-off employees whom the borrower offered to rehire (for the same salary/wages and same number of hours) from the CARES Act’s loan forgiveness reduction calculation.” To have these employees excluded, the employer must make “a good faith, written offer of rehire, and the employee’s rejection of that offer must be documented.” To document the refusal, an employer can send an email to the employee verifying their rejection of the rehire offer. Be sure to put both the written offer and the email confirming the rejection in the employees file; they will be needed when applying to have the PPP loan forgiven.

It is unclear how this exclusion will be applied. It appears that the calculations in item 2 (maintaining each employee’s pay level) and item 3 (comparing the number of employees) will not be applied in determining the amount of the loan to be forgiven for employees that refuse to return to work. It is not clear, however, if and how it will apply the 75% rule in item 1. Based on the primary purpose of the PPP loans—to maintain payroll—it is likely that 75% of the loan will still have to be used on payroll costs, whether or not there are the same number of employees.

With the rapid pace at which laws, rules and orders are being issued, NTCA is working to keep members informed and updated regarding their opportunities and obligations during the COVID-19 crisis. The Association will also continue to provide important information that may impact members.

Notice: The information contained in this update is abridged from legislation, court decisions, and administrative rulings, and should not be construed as legal advice or opinion, and is not a substitute for the advice of counsel.

iQ Power Tools Donates Respirator Masks to Healthcare Facilities

iQ N95 masks ready for delivery

iQ Power Tools, manufacturer of premium power tools with integrated dust collection systems, has donated over 18,000 N95 respirator masks to two community healthcare facilities, actually located right in the company’s very own backyard.

1,800 iQ N95 Safety Masks were donated to two community healthcare facilities

 Always taking a lead role when it comes to safety and education involving pulmonary diseases for those in the construction industry, the firm most recently partnered with the American Lung Association on a strong educational initiative relative to “Silica on the Jobsite.”

Paul Guth (l) iQ President with Ron Boatman, COO of Riverside County Regional Medical Center
A single N95 mask from iQ

The company now has provided real relief to frontline workers during the coronavirus pandemic, working with the Troesh family to donate 10,000 N95 masks to the Riverside County Regional Medical Center, and an additional 8,000 masks (with the help of the American Lung Association) to the Loma Linda University Pulmonary Care Clinic, both located near iQ’s headquarters in Southern California.

 “There could be no greater honor than to make this donation to our own community hospitals.”  stated Paul Guth, president of iQ,” We had the opportunity, along with the Troesh Family, to really make a difference. If these masks can protect the lives of thousands of people and potentially save healthcare workers from becoming afflicted, then we’ve reached our goal.”

Larson Electronics offers UV oven to disinfect packages

Ordering products and goods online is the current norm these days, as people avoid contact and recover from the coronavirus pandemic. The problem is that viruses, bacteria and other harmful microbes can live on the surface of packages for a long time if left untreated. To stay safe and prevent contamination, you need a way to sanitize packages without coming in direct contact with the box or envelope.

Use the Larson Electronics UV Box to disinfect packages and deliveries quickly. You don’t even have to touch the package.
Larson UV oven box
Larson Electronics UV Oven

Below are the features of the Larson Electronics IND-TBL-BX-R2-UVC-16X-120V UV Oven:

  • 24” x 14” x 16” internal dimensions
  • Sixteen, 18” UV-C fluorescent lamps
  • Green (safe to open) and amber (in operation) indicator lights
  • Automatically turns off when opening the lid
  • Timer included

To use the UV box, simply leave the unit on your porch, front door or outside of the residential area where you typically receive packages to allow personnel access to the device during a delivery. Request the delivery person to place packages inside the UV oven and turn the box on (don’t forget to leave instructions!). After the disinfection process, the package is safe to take out of the box and open immediately.

For permanent installations, offer mounting lugs are available that are compatible with the UV box. This disinfection device is recommended for cleaning packages from Amazon, FedEx, DHL and more.

COVID Contractor Perspective: Martin Brookes, Heritage Marble & Tile, Inc.

Martin Brookes, President of Heritage Marble & Tile, Inc., an NTCA Five-Star Contractor member

On March 16th, 2020 our tile world changed. In Mill Valley, Calif., we went from being overwhelmed with work in a vibrant economy with the labor shortage as our biggest challenge  — to a shelter-in-place order.

I thought I had a grasp on this. I didn’t know the extent of changes that COVID-19 would bring upon us. To prepare, I got jobs stocked with tile and materials,  sent emails to our client base letting them know how we would work responsibly, and had tailgate meetings with my crews daily on the importance of social distancing.

But it soon became quite clear that this situation was going to have far more impact than any of us could have imagined.

The public announcement of government relief available to small businesses added confusion and anxiety. Who would — and who wouldn’t — get financial help to see them through this unknown time period? Uncertainty was an understatement for both the employer and employees.

I thought we could weather the storm with the pre-planning and jobs we had ahead of us. How wrong I was! We worked through the jobs that got stocked ahead of time; then systematically our job sites were closed down. Restrictions got tighter as the local building inspectors teamed with the police to start closing down job sites with the threat of a fine if not in compliance.

I suffered sleepless nights wondering how I was going to be able to ride out the storm, keep my doors open and make sure my hardworking employees could take of their families and pay the bills. I decided that I would pay them to the best of my ability, for the foreseeable future or until all my resources had been exhausted.

I had applied for the Economic Injury Disaster Loan (EIDL) $10k grant and the Paycheck Protection Program forgivable loan for payroll and some other expenses, but was not holding my breath on these programs. I bank with a large institution. The initial application program was not easy and changed frequently, so I thought my chances of getting funded would be minimal.

Since I do all my payroll, bookkeeping and timecards through QuickBooks, it was easy for me to pull reports and paperwork.  Forms 940 / 941 were just a click away, and easy to attach to the required paperwork for what seemed to be a remote chance of being funded.

I’m a small business — I mean a real small business; forget the 500 or fewer — we are 7 or fewer. So I thought, “Who really cares whether I survive or not?”

I was assigned a business advisor at my bank and he supplied me with his cell phone, because due to COVID-19 he also was working from home. We talked and he changed my mind on how I though the bank perceived me.  He was friendly, informative and seemed to care. He reassured me my application was in line for funding and I would be getting an email by the end of the week (yeah, right!). A few days later – nothing.  I sent him a polite but assertive email explaining my banking history and loyalty. I also mentioned that I just might have to reconsider my banking choice, after hearing that my peers had been funded from community banks and credit unions.

He again reached out and told me to hang in there because he was hopeful I would be funded by the end of the week. Shortly after, my bank sent a midnight email informing me that we had been funded. I felt a wave of relief knowing I could take care of my employees for at least the next 2.5 months.

Lessons learned

A few things I have learned from this experience to date is that having access to like-minded business owners through NTCA gave me perspective. I learned that the bank does value me and the business I bring them.  And operating my business with professional recordkeeping allowed me to produce the paperwork I needed to justify what I needed to maintain my business.

I’m hopeful we can all learn and grow from this unfortunate situation – though I’m sure we are not even close to realizing how this situation will change the way we do business, not to mention how it will affect our personal lives.  I’m hopeful that others will have the same experience as I did, and can keep their doors open to take care of their hardworking employees.

Yesterday, as part of the Learning Opportunities offered by Coverings Connected, Wally Adamchick, president of Firestarter Speaking and Consulting offered a session on “Acting on the NTCA Culture Survey – Leadership in the Face of COVID-19.” He quoted an article from Fortune magazine that stated that the three key factors in keeping employees engaged is 1) trust in their supervisor 2) pride in the organization and 3) camaraderie with those they work with. I’m hopeful our hardworking employees will remember how loyalty, respect, and genuine caring is helping build a culture that separates our company from run-of-the-mill companies, and that’s why they choose to work for us. It can be an opportunity for all of us to show leadership – and respect  — for workers bring to the party. And in the long run, it can make us an even stronger team.  

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