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#23: The Small Business Stimulus Package: What You Need To Know

Take It Personally

Release Date: 04/03/2020

#36: How to Start a Podcast with Jaice Shakespaere show art #36: How to Start a Podcast with Jaice Shakespaere

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Since I started my podcast, I’ve gotten some questions from other people about how to start a podcast. This is an interesting question to answer because it’s actually very simple! If you are creating content in any area of your business, you could somehow turn that into a podcast or shift your business to have your podcast be your main form of content. Of course, there are challenging parts, too. I have found consistency to be really challenging when it comes to recording episodes. The tech part of it all also initially overwhelmed me–but again, it actually was more simple than I...

#35: Why I Walked Away From My Biggest Client show art #35: Why I Walked Away From My Biggest Client

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I’ve been working with a company since 2018. When we started working together, I had just left my full time job, and this company was on the smaller side. Both of our businesses were newer. Fast forward to 2020, their business absolutely exploded, and we went from doing shoots every couple of months to at least once a month. Now, really, this is a photographer’s dream. Consistent income, an ongoing relationship with a really fantastic client; on paper it was totally perfect. But in the same amount of time, my business had changed a lot too, which led me to walk away from this...

#34: Confidence in Personal Branding Through Styling with Trish Taylor show art #34: Confidence in Personal Branding Through Styling with Trish Taylor

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Trish Taylor is a stylist + brand embodiment coach devoted to helping entrepreneurs show up authentically and attract their soulmate clients online and feel worthy of being seen as an authority in their space without fear of judgment. She has a background in personal styling celebrities like Ariana Grande, but after building an incredible career she realized it wasn't what she wanted. Trish started over, and her business as we know it today was born. Here are some of the things I talk about with Trish: How Trish first got into styling and what she did when she reached the “top” of her...

#33: Getting the most mileage out of your content show art #33: Getting the most mileage out of your content

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I have always enjoyed blogging which I think makes me a little bit unusual because whenever I talk to my creative friends about blogging I am typically met with groans. It isn’t something that people necessarily like doing. I think some of that is because we are told that as creatives who have a website, we should be blogging. But it takes a while to see results from that blogging! And I think that’s because a lot of us are not doing it correctly. I noticed the biggest change in my business, website traffic, the type of client I was attracting when I doubled down on evergreen content,...

#32: Finding Clarity and Paving Your Own Financial Path show art #32: Finding Clarity and Paving Your Own Financial Path

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Amanda Runia is an ex-accountant out of Brookings, SD, where she lives with her husband and three young kiddos. She has a love for fast talking, making new friends and helping others not feel lost. She owns a consulting business, In-House Ally, where she uses her accounting background and unique strengths to help business owners make better decisions and ultimately comes alongside them as an ally. I love when people like Amanda can take something seemingly overwhelming like finances and break it down to be understandable and digestible for your business. I hope you enjoy the conversation!...

#31: Dealing with Price Comparison show art #31: Dealing with Price Comparison

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You finally feel good about those (higher! yay!) prices you're charging, only to find out that a "competitor" is doing what you're doing for half the price. What next? How do you handle it?  Let's talk about the four things that need to happen when you find yourself in this position, and how it can actually be a very good thing for your business. Join the Facebook group for more discussion after the show! https://www.facebook.com/groups/takeitpersonally/

#30: Embracing the Seasons of Life and Business show art #30: Embracing the Seasons of Life and Business

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Well hello. It's been a while. I'm popping in today to give you an update on my hiatus-turned-super-long-hiatus, and talking about what 2020 and my third pregnancy taught me about life and business. I missed you! Join the Facebook group here and let's continue the discussion: https://www.facebook.com/groups/takeitpersonally

#29: What to do When Your Business No Longer Aligns with Your Passions show art #29: What to do When Your Business No Longer Aligns with Your Passions

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Today on Take It Personally is guest, Chelsey Schnell! Chelsey is from Sioux Falls, married, and has 3 kids she gets to love on and 2 in heaven that she lost to miscarriage. She is an Enneagram 4, works in marketing and is also a photographer, and now runs a nonprofit she started, called Evermore Blooms. Evermore Blooms delivers flowers to moms, who have suffered a miscarriage, on their hardest days (due date, anniversary of the loss, etc.).  Chelsey has a unique story as it has taken a lot of different turns over the years as she has learned more about who she is and her...

#28: Understanding the Enneagram with Jada Dobesh show art #28: Understanding the Enneagram with Jada Dobesh

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Today I get to welcome Jada Dobesh onto Take It Personally! Jada Dobesh is the owner of Selah Space, a holistic wellness cooperative. She is a Spiritual Director who uses the Enneagram as a map for her directees personal, spiritual, and mental-emotional growth. She lives in Sioux Falls with her husband Witt, and daughter, Audrey and spends a great deal of her time baking bread and working in her garden. Over the past year, I have been exploring my spirituality more and have loved following Jada on social media. Jada is going to be sharing all about the enneagram specifically today, which is...

#27: Pivoting Your Business During a Crisis show art #27: Pivoting Your Business During a Crisis

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More Episodes

I’m joined today by my personal accountant, Courtney, from Numbers and Such Prof. LLC. She is here today to talk all about the Small Business Stimulus Package and the different loans and grants available and what they mean for small business owners.

Things are constantly changing and everyone is searching for information (this was recorded the morning of April 3rd). Courtney helps clear things up today, but ultimately, we suggest that you get in touch with your CPA and business banker to understand what action you need to take next.

Here’s a look into some of the information Courtney shares:

Economic Injury Disaster Loan

  • The EIDL is a loan that you apply for through the SBA. If you can’t get funding elsewhere, consider this one. It is an up to 30-year loan (but not guaranteed that).
  • When applying, there is $10,000 grant money you can request (again, not guaranteed that full amount).
  • The SBA is bogged down, so just a reminder that the money may not be granted to you immediately and may take time.
  • Apply through the SBA website.

The Paycheck Protection Program

  • The PPP is another one you can apply for to get 2.5x your average monthly payroll in a loan, which can convert to a grant if you use it for certain purposes.
  • The loan is 2 years and has an interest rate of 1%, though it has potential to be fully forgiven.
  • Independent contractors can’t apply until Friday, April 10.
  • One requirement is having under 500 employees.
  • Apply through your bank (more info here).
  • You have 8 weeks to spend this amount (on payroll, rent, and utilities).
  • 75% of the forgivable amount needs to be used on payroll. 


  • Unemployment can be collected for 10 weeks before you need to start searching for other work (check according to your state).
  • South Dakota maxes out at $414 a week (specific requirements to determine amount) and supposedly the federal government is adding to that with an extra $600 a week, if the state chooses to adopt and implement it. 
  • If you receive a furlough notice from your employer, that may make your application easier. 

Other Notes

  • Check with your lender to see if they are SBA-friendly and participating in these options.
  • There are billions of dollars on the line, and it is anticipated to dry up. The money is first come, first serve. Apply as soon as you can.
  • If you have a Schedule C, things can get murky. Because we don’t have typical payroll, having the loan be forgiven would look differently, and we just don’t have enough clarification at this time.
  • You don’t need to have 2019 taxes filed to do all of this, but you will need 2019 financials either way. 

Other Tax Items

  • SD sales tax deadlines are not pushed back.
  • SD unemployment tax deadlines are not pushed back.
  • Payroll taxes – depends if your CPA has guided you to postpone.
  • Income tax got pushed to July 15 (instead of April 15).

One final reminder: the best thing you can do is get in touch with your CPA and banker to figure out the steps you need to take next to apply.


Thank you, Courtney for joining and sharing your knowledge. We hope this was helpful to all of you small business owners out there. If you are looking for help on this, you can connect with Courtney on her website or Facebook Page.

Some of the best conversations happen after the show in my private Facebook group, Take It Personally Podcast. Click here to join and ask any questions you might have regarding the Small Business Stimulus Package or information in today’s episode.