The DEC Educational Webinar Series Ep2: Michelle Roseberry HBK CPA

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you

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[Music]

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good day to you all

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this is Chaz retail with the Dublin

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entrepreneurial center and I’d like to

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welcome you to another episode of the

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deck educational webinar series the last

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series that you might have attended was

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with Rick Gerber with Gerber and

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Mitchell law and we were talking about

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the state of Ohio reopening and some of

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the implications with that to employers

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today we’ve got another special guest

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Michele Roseberry who’s a principal with

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HBK CPAs and consultants welcome

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Michelle thank you for joining us today

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thank you Chaz appreciate having you and

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taking taking your time today to share a

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little bit about how the effects of this

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time is gonna affect our taxes are

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accounting those types of things and

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especially I think some of those people

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that are going to be receiving some of

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those funds from the federal government

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or through the state unemployment or

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whatever it might be what type of

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reporting what type of additional

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information are they gonna have to be

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keeping records of all of those kinds of

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things and how does that change the

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timing of some of the filings that there

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might be so there’s a lot of things that

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we wanted to kind of cover today because

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I know folks are gonna be concerned

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about that many are still wondering if

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they’re gonna receive any of those kinds

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of funds but once they do how are they

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properly going to handle it I think that

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becomes the key so would you share a

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little bit with us about your experience

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so far and what a lot of your clients

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have been asking you and and what you’ve

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been sharing with them about the Care

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Act certainly I guess one of the major

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points from the Care Act is that the

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obviously payroll are paid not paying

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the tax filing deadline for federal

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state and local taxes was extended to

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July 15th and not included where there

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was confusion estimated tax payments

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those first and second

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quarter tax payments are now due July

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5th all as the final filing of the

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federal tax return the other big area

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we’ve been talking to our clients about

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is the paycheck protection program which

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are funds that were from the federal

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government but through the SBA program

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so you had to qualify for SBA funding

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but this program is meant to extend

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payments to companies that are

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struggling to meet payroll the federal

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government wants companies to keep their

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employees working and paying them and so

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this money is meant for that and there’s

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a lot of confusion on that one still

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about what the forgiveness is it’s a

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loan but it was originally touted as a

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hundred percent forgivable and we’re

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finding based on the current legislation

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and the way it’s written is that it may

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not be a hundred percent forgivable

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we’ve told our clients to hold back

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about twenty to twenty-five percent the

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funding is meant to be used 75 percent

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for payroll 25 percent for rent

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utilities interest payments you may have

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the key is to not increase the pay so

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don’t pay a whole bunch of bonuses that

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you wouldn’t normally pay but the

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confusion comes in the loans were

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granted on a 12-week pay period and on

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gross pay the forgiveness piece the way

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it’s written right now is on a 8 week

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period and on so obviously there’s not a

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match on the numbers that would be used

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to calculate that so that’s one of the

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biggest areas we’ve been talking to our

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clients about we will start to help

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clients calculate the forgiveness piece

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but it’s all up to the SBA and the and

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we’re finding to each individual bank as

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well every Bank seems to be treating it

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differently

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those that first round of funding ran

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out two weeks ago lists this past Friday

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the federal government issue

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another round of funding as bringing it

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up here that was all used up yet but I

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know that the banks are sometimes on a

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backlog of getting those applications in

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and processed

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that’s great Michelle thank you and you

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kind of hear on the news that some of

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the companies across the country are

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starting to give back some of the money

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what’s what’s the story with that so you

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have to certify applications that you’re

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in duress or you’re not going to be able

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to pay your employees even if they are

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working so some of those companies are

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paying back the money because they

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didn’t actually need it they weren’t in

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fact having financial difficulties that

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would result in them needing the funds

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so that is one area and if companies

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sign the certification and got the money

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but they really didn’t need the money at

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the time there could be some penalties

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if they don’t pay it back or even it

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said it could be a crime considered a

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crime so that’s why you see company back

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because you have to really certify that

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you’re having financial difficulties in

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order to need the money to pay your

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employees the whole key to this whole

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program is keeping employees employed

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and I mean if you have the need to hire

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more people great but they don’t want

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you to let people go or furlough them at

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this time well if the Dublin

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entrepreneurial center we certainly have

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the smaller employers the startup

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business is the one to maybe up to ten

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employee types of businesses so in in

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those instances we’re probably not

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worrying about about those companies in

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that scenario but what percentage of

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your clients have been approved possibly

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have started to receive some of those

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dollars because I know there again many

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of our businesses here at the deck have

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not received even approval notification

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those kinds of

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yet Oh from our client base the ones

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that applied for it most of them if they

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were early on applying in the very first

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round they already had the money we had

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a couple clients that were told that the

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money ran out before their application

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was processed and in that case they’d go

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apply for the second round of funding so

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if you do have people the deck that have

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not received the funding and they apply

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for it they definitely need to contact

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their banker and find out what the

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status is and if they need to reapply

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for those funds okay so is it possible

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that they’d have to have to reapply

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based on the first application process

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and then and then the second round of

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funding that is correct there were a lot

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of changes throughout that first round

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of funding to even how the calculation

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was being done to determine the amount

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of funds that were given to the

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companies so it was I’ve talked to

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bankers as well as my clients and the

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bankers voiced some frustration with the

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guidance that was given to them as SBA

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lenders and the banks themselves on

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calculating how much each company should

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receive because it had continued to

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change throughout the process okay well

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that’s good advice will certainly be

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recommending to our businesses and and

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any of those that are listening to our

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session today that you might want to

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make sure that your filing is is up to

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date and is applying to the new round of

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funds

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I even heard a few of our businesses who

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have said or they’ve heard from their

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from their banker that is it even a

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possibility that the second round of

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funds may be maybe running out as well

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that’s what we’re wondering I checked

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this morning I couldn’t find anything

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that said the funds had run out yet but

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it is very possible that those funds

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could run out and if they didn’t get

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that funding there are some other not

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fund programs available but credits

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available for their payroll taxes and

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that’s

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something else that they would want to

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look into okay

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was that something that they’d be able

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to contact HBK and your team to be able

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to give them some advice and and for you

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to be able to help them with absolutely

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we have a lot of resources available

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we’ve really because it’s their programs

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that are very beneficial to our clients

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since we service private companies we’ve

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really taken an effort in gaining

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knowledge of what all the legislation is

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out there all the programs that are

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available to small businesses to help

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them through this very difficult and

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unprecedented time well

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Laika meant so many things it’s almost

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like what you don’t know really can

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either hurt you or certainly not benefit

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you so certainly we’d like to recommend

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any businesses to contact your

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accountant or if you don’t have somebody

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to to work with right now please feel

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free to contact the folks at HBK because

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they’re on top of this and certainly can

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provide you with some some excellent

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advice and even maybe some direction and

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helping to work with your your bank

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applications during this process

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Michelle I’m seeing a lot of letters you

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know a lot of acronyms that are that are

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out there and some of those are kind of

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confusing of course you’ve got the Care

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Act itself the coronavirus aid relief

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and Economic Security Act and then you

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of course have PUA which is pandemic

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pandemic unemployment assistance and

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then you’ve got UI PL which is

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unemployment insurance program letter

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14-20 and then you’ve got FP you see

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federal pandemic unemployment

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compensation program there’s so many

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things out there that I’m sure you know

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somebody like me who’s just a solo

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solopreneur and others you know that

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they look at this and they just they get

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it scares them and sometimes that keeps

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them from moving forward and looking at

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filing in for one of these programs or

0:11:44.759,0:11:51.089
whatever what do all these mean and what

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do they point to I know some of these

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point

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back to the state related to

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unemployment so one of the key things

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that I wanted you to share today

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certainly as well is that initially from

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my understanding if you were a

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solopreneur or a business owner you

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weren’t able to file for any of the

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payroll protection but in the second

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portion second bill is that is that

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something that’s changed and now you go

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through your state’s unemployment

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department to maybe get some relief as

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well yes you can apply with the state

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unemployment and it is an application

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process it’s just not automatic the you

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have to apply for it there is some

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relief there what it is is they’re

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postponing so it’s not where they’re

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allowing you to not pay it

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the unemployment the same with the

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federal program related to the payroll

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taxes it’s not that you’re allowed to

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not pay it forever

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it’s just a temporary relief of paying

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the amounts but you have to apply with

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each state where you would pay taxes to

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and they will allow you to postpone or

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defer as the term that they’re using

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defer your payment of those amounts okay

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so remind us of what those new deadlines

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are and also please share with us as far

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as you know and and who knows if these

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guidelines are even out yet what type of

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special record-keeping our business is

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needing to maintain in in keeping track

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of these funds and how they spend them

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and those kind of things so how is that

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differ from their normal record-keeping

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that a client may provide you come their

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quarterly filings so a big part of it is

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you asked first about the deadlines the

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federal income tax deadline for anybody

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that hadn’t filed by their normal

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deadlines especially individuals July

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15th and they estimated tax payments now

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when we talk about the payroll filings

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you still have to file those on time but

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there are credits that can be taken on

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there to defer the payments or not pay

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the federal income tax side of payroll

0:14:10.280,0:14:15.240
deferring the amounts that have to be

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paid to a later date for those dates

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that they’re due I’m not sure they’re

0:14:17.190,0:14:24.660
gonna be or they may need to be a dwith

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your year-end filing now as for the

0:14:24.660,0:14:29.850
record-keeping that has to be done to

0:14:26.790,0:14:34.260
apply for the payroll paycheck Duchin

0:14:29.850,0:14:36.180
you had to provide your 940 ones in this

0:14:34.260,0:14:38.940
case because it’s an eight week period

0:14:36.180,0:14:41.430
and for instance we had a client today

0:14:38.940,0:14:44.820
it said they received their fund funding

0:14:41.430,0:14:47.970
on April 16 you have to report back by

0:14:44.820,0:14:51.090
June 30th and request the forgiveness by

0:14:47.970,0:14:53.430
June 30th and and that’s for anybody

0:14:51.090,0:14:55.020
that receives funding I haven’t seen

0:14:53.430,0:14:57.030
anything different for the second round

0:14:55.020,0:14:58.650
and which is why it’s an eight week

0:14:57.030,0:15:01.320
period instead of a twelve week period

0:14:58.650,0:15:05.040
but you have to apply with your lender

0:15:01.320,0:15:07.530
for forgiveness and provide payroll

0:15:05.040,0:15:11.430
information to show that you actually

0:15:07.530,0:15:13.740
incurred and paid the employees during

0:15:11.430,0:15:15.690
that time period so you would have to

0:15:13.740,0:15:18.420
provide provide your payroll records

0:15:15.690,0:15:20.640
plus proof that the payments went out

0:15:18.420,0:15:23.610
whether that’s bank statements that show

0:15:20.640,0:15:28.140
the ACH or canceled checks depending on

0:15:23.610,0:15:30.750
how you pay your payroll there was some

0:15:28.140,0:15:33.450
confusion in the beginning on the need

0:15:30.750,0:15:36.810
to have a separate bank account to track

0:15:33.450,0:15:39.390
these funds it’s very interesting it’s

0:15:36.810,0:15:41.670
almost a bank by base basis there is

0:15:39.390,0:15:43.710
nothing in the legislation that requires

0:15:41.670,0:15:47.160
a separate bank account to track the

0:15:43.710,0:15:49.920
usage of the funds but some banks are

0:15:47.160,0:15:52.140
requesting that you open a second

0:15:49.920,0:15:54.000
account to track the funds the other

0:15:52.140,0:15:56.160
part that you would have people because

0:15:54.000,0:16:00.290
75% of the funds have to be used for

0:15:56.160,0:16:04.190
payroll the other 25% can be used for

0:16:00.290,0:16:07.740
interest rent and mortgage payments and

0:16:04.190,0:16:09.330
utility payments so you would have to be

0:16:07.740,0:16:11.370
able to prove that you paid those

0:16:09.330,0:16:14.340
amounts and provide the supporting

0:16:11.370,0:16:15.870
documentation or invoice for those

0:16:14.340,0:16:18.620
payments that were made during that

0:16:15.870,0:16:18.620
eight week period

0:16:19.220,0:16:24.839
if you’re a small business and you

0:16:22.680,0:16:27.839
haven’t applied for any of these

0:16:24.839,0:16:30.649
programs yet do you feel that it’s still

0:16:27.839,0:16:33.510
worthwhile to get in line

0:16:30.649,0:16:37.589
it’s very worthwhile especially on the

0:16:33.510,0:16:40.380
Paycheck part to talk to your SBA lender

0:16:37.589,0:16:45.389
or your bank about those funds and there

0:16:40.380,0:16:51.350
is no on the FF CRA which is the crest

0:16:45.389,0:16:54.089
that you’re able to get or the payrolls

0:16:51.350,0:16:57.750
funds so that’s a family’s first

0:16:54.089,0:17:00.089
coronavirus respect which people refer

0:16:57.750,0:17:04.319
to I know you said early on the acronyms

0:17:00.089,0:17:06.750
and that is related to credits or an

0:17:04.319,0:17:09.360
amounts that can be taken on your

0:17:06.750,0:17:15.929
payroll for the period that this

0:17:09.360,0:17:17.939
pandemic has been going on okay so even

0:17:15.929,0:17:20.429
if somebody hasn’t applied yet for

0:17:17.939,0:17:22.230
anything you’d still recommend that they

0:17:20.429,0:17:23.459
take the time to to get in line if

0:17:22.230,0:17:26.160
that’s if it’s something that they’re

0:17:23.459,0:17:29.280
that they’re interested in have you have

0:17:26.160,0:17:33.120
you seen any banks that that you see

0:17:29.280,0:17:35.190
have maybe been better to work with with

0:17:33.120,0:17:36.630
with any of your clients I know for

0:17:35.190,0:17:38.280
instance I’ve heard some very very

0:17:36.630,0:17:41.400
positive things back from some of our

0:17:38.280,0:17:44.010
tenants if they have a have a private

0:17:41.400,0:17:46.830
business banker with fifth third or

0:17:44.010,0:17:48.570
syste and a couple of others especially

0:17:46.830,0:17:51.270
some of the smaller banks they’ve been

0:17:48.570,0:17:53.730
getting very quick responses within 24

0:17:51.270,0:17:56.880
hours in some instances that that

0:17:53.730,0:17:58.200
paperwork has been filed is that the

0:17:56.880,0:18:01.200
similar kind of thing that you’re seeing

0:17:58.200,0:18:03.000
are there any any kind of bankers or

0:18:01.200,0:18:04.860
anybody that you’re seeing that they’re

0:18:03.000,0:18:06.210
really helping businesses more it’s

0:18:04.860,0:18:08.520
almost like you need to have a champion

0:18:06.210,0:18:12.179
at that bank to make sure things are

0:18:08.520,0:18:14.940
going through for you you do I have

0:18:12.179,0:18:16.770
heard the same thing you have some of

0:18:14.940,0:18:19.130
the smaller banks the local community

0:18:16.770,0:18:21.480
banks are doing a really good job of

0:18:19.130,0:18:26.210
processing the information and turning

0:18:21.480,0:18:28.200
it around quickly I understand from my

0:18:26.210,0:18:32.840
relationships with some of the larger

0:18:28.200,0:18:35.600
banks that the the SDS be a pro

0:18:32.840,0:18:38.690
graham’s that community banks use

0:18:35.600,0:18:42.080
compared to larger banks like Huntington

0:18:38.690,0:18:44.840
& Park and B of an Bank of America they

0:18:42.080,0:18:48.169
use two different systems to apply for

0:18:44.840,0:18:50.929
their to process the SBA applications

0:18:48.169,0:18:53.539
for their customers Sousa Vista is one

0:18:50.929,0:18:55.250
that one of my clients that banks with a

0:18:53.539,0:18:58.010
larger bank they were referred to

0:18:55.250,0:19:00.080
Sevilla for theirs but it seems like the

0:18:58.010,0:19:01.700
community banks are able to process the

0:19:00.080,0:19:03.679
information and get a response to the

0:19:01.700,0:19:05.809
clients and the money a little bit

0:19:03.679,0:19:07.220
quicker but most things are doing a

0:19:05.809,0:19:10.010
pretty quick turnaround I think the

0:19:07.220,0:19:11.720
longest time period I have heard once an

0:19:10.010,0:19:15.350
application is accepted and approved

0:19:11.720,0:19:17.270
with 72 hours okay

0:19:15.350,0:19:19.270
well that’s good to know and we

0:19:17.270,0:19:22.809
certainly want to encourage all of our

0:19:19.270,0:19:25.309
small businesses to to keep in contact

0:19:22.809,0:19:27.200
and it’s certainly a benefit from what

0:19:25.309,0:19:29.210
I’ve heard if you have a personal

0:19:27.200,0:19:32.870
contact or somebody that you can talk to

0:19:29.210,0:19:35.450
directly with those banks but I think

0:19:32.870,0:19:39.200
key to and we’ve we’ve just in what you

0:19:35.450,0:19:41.779
shared so far and you know I’m not a

0:19:39.200,0:19:44.330
numbers person necessarily myself so

0:19:41.779,0:19:46.549
it’s a blessing to have folks like you

0:19:44.330,0:19:49.250
that that you can really take great

0:19:46.549,0:19:51.919
advice on and and and get some great

0:19:49.250,0:19:54.610
guidelines and so I would strongly

0:19:51.919,0:19:58.130
advise any business not to just rely on

0:19:54.610,0:20:00.740
their bank but also to talk to their

0:19:58.130,0:20:02.779
accounting firm maybe their law firm in

0:20:00.740,0:20:04.419
these instances just to make sure that

0:20:02.779,0:20:07.010
you’re protecting yourself and and

0:20:04.419,0:20:08.630
filing the right paperwork and and

0:20:07.010,0:20:12.080
keeping the right records and those

0:20:08.630,0:20:15.140
kinds of things but also it’s been

0:20:12.080,0:20:17.029
what’s been fantastic michelle is over

0:20:15.140,0:20:18.620
the last few weeks there have been a

0:20:17.029,0:20:20.990
number of businesses that have knocked

0:20:18.620,0:20:23.149
on our door certainly haven’t come to

0:20:20.990,0:20:24.590
the door but have knocked on our door

0:20:23.149,0:20:26.840
and said hey we’re starting a new

0:20:24.590,0:20:28.820
business which is just refreshing to

0:20:26.840,0:20:30.440
hear exciting to hear that there are

0:20:28.820,0:20:34.520
people that are still wanting to jump in

0:20:30.440,0:20:37.309
and take risk even at this time tell us

0:20:34.520,0:20:40.490
about some of those those services that

0:20:37.309,0:20:42.380
HBK provides to its clients and and why

0:20:40.490,0:20:44.600
a small business might want to get

0:20:42.380,0:20:46.659
started on the right foot by

0:20:44.600,0:20:48.879
establishing a relationship

0:20:46.659,0:20:52.690
with someone like HBK and Michelle

0:20:48.879,0:20:54.009
rosebery it’s really important and it’s

0:20:52.690,0:20:56.289
funny you mentioned that I’ve had a

0:20:54.009,0:20:59.019
couple clients who had existing

0:20:56.289,0:21:01.679
businesses and have added more

0:20:59.019,0:21:05.409
businesses during this pandemic time

0:21:01.679,0:21:07.359
started up divisions or not really

0:21:05.409,0:21:09.759
divisions about additional companies I

0:21:07.359,0:21:12.419
think it’s really important for you to

0:21:09.759,0:21:17.320
start your business and have the right

0:21:12.419,0:21:19.090
advisors attorney banker accountants to

0:21:17.320,0:21:22.450
guide you through the process because

0:21:19.090,0:21:24.129
each one does something different the

0:21:22.450,0:21:26.799
client that was just starting up another

0:21:24.129,0:21:29.679
business contacted me they needed

0:21:26.799,0:21:31.450
assistance with figuring out where do I

0:21:29.679,0:21:34.139
go to get my employer identification

0:21:31.450,0:21:37.359
number their Articles of Incorporation

0:21:34.139,0:21:38.950
that their attorney helped them but a

0:21:37.359,0:21:40.960
bigger piece of it is getting your

0:21:38.950,0:21:43.389
records set up properly your accounting

0:21:40.960,0:21:45.519
records because in this case if you’re

0:21:43.389,0:21:47.529
applying for a loan the bank’s gonna ask

0:21:45.519,0:21:49.299
you for financial statements and they’re

0:21:47.529,0:21:50.919
asked going to ask you for reporting so

0:21:49.299,0:21:55.090
it’s important to get that set up from

0:21:50.919,0:21:56.649
the start because you need to have be

0:21:55.090,0:21:59.259
able to prove that you have a business

0:21:56.649,0:22:01.080
that you’re earning money in that you’re

0:21:59.259,0:22:05.109
keeping track of that in a proper manner

0:22:01.080,0:22:09.340
and we can help them through that even

0:22:05.109,0:22:12.099
from the start up of setting up whatever

0:22:09.340,0:22:15.389
accounting program they prefer to use or

0:22:12.099,0:22:17.739
even recommending the one to them and

0:22:15.389,0:22:20.830
you know me whether it’s an

0:22:17.739,0:22:24.519
off-the-shelf program like QuickBooks an

0:22:20.830,0:22:26.739
industry specific program there’s a lot

0:22:24.519,0:22:28.450
out there to choose from and you never

0:22:26.739,0:22:30.639
know what the best one is to choose

0:22:28.450,0:22:33.519
unless you’ve had experience with it and

0:22:30.639,0:22:35.409
it an accounting firm like ours we’ve

0:22:33.519,0:22:37.059
pretty much had experience with most of

0:22:35.409,0:22:38.979
the programs out there that are

0:22:37.059,0:22:41.559
available to small business owners and

0:22:38.979,0:22:43.989
that’s not just knowledge of them it’s

0:22:41.559,0:22:45.789
hands-on experience so if they’re having

0:22:43.989,0:22:47.619
trouble with a certain transaction we’re

0:22:45.789,0:22:49.659
able to walk them through that because

0:22:47.619,0:22:52.599
we know what screens they would be

0:22:49.659,0:22:54.519
seeing on their computer and we have

0:22:52.599,0:22:56.529
people certified in those to help out

0:22:54.519,0:22:59.229
with that but we can also help you make

0:22:56.529,0:22:59.980
the decision of walking you through the

0:22:59.229,0:23:01.929
risks and then

0:22:59.980,0:23:05.880
offense of the different types of

0:23:01.929,0:23:09.070
companies LLC’s versus S corporations

0:23:05.880,0:23:11.590
versus corporations because you need to

0:23:09.070,0:23:15.760
make sure you being in the proper manner

0:23:11.590,0:23:18.280
or reporting your come to the taxing

0:23:15.760,0:23:21.460
authorities in the proper manner we’ve

0:23:18.280,0:23:25.809
seen a lot of companies end up in a non

0:23:21.460,0:23:27.610
benefi tax situation that’s not

0:23:25.809,0:23:28.750
beneficial to them just because they

0:23:27.610,0:23:31.630
checked the wrong box

0:23:28.750,0:23:35.400
when they were when they were applying

0:23:31.630,0:23:38.110
for their employer identification number

0:23:35.400,0:23:41.559
well that’s outstanding advice Michele

0:23:38.110,0:23:43.570
and and I just know through experience

0:23:41.559,0:23:45.790
of many businesses here at the Dublin

0:23:43.570,0:23:46.900
entrepreneurial centers and Marysville

0:23:45.790,0:23:49.630
entrepreneurial Center and other

0:23:46.900,0:23:51.790
facilities that I work with that clients

0:23:49.630,0:23:55.090
of yours always receive outstanding

0:23:51.790,0:23:58.809
attention and and great work and

0:23:55.090,0:24:02.410
certainly immediate response from from

0:23:58.809,0:24:04.210
your team so it’s we know that when when

0:24:02.410,0:24:06.790
you’re sharing information it’s always

0:24:04.210,0:24:08.470
the right information and and you guys

0:24:06.790,0:24:10.120
are doing a great job which I can’t

0:24:08.470,0:24:11.730
imagine just keeping up with all these

0:24:10.120,0:24:14.320
changes that are coming down the pike

0:24:11.730,0:24:15.940
with all these new regulations and bills

0:24:14.320,0:24:18.250
and whatnot that are that are coming

0:24:15.940,0:24:20.559
across so we thank you very much today

0:24:18.250,0:24:23.110
for for taking your time and for sharing

0:24:20.559,0:24:26.190
with small businesses here in central

0:24:23.110,0:24:29.950
Ohio of how they can better navigate

0:24:26.190,0:24:33.190
this care act program and the tax

0:24:29.950,0:24:35.919
implications and whatnot along with that

0:24:33.190,0:24:39.340
if you would have anything in closing

0:24:35.919,0:24:42.480
that you would like to share please do

0:24:39.340,0:24:44.799
so and let us know what that might be

0:24:42.480,0:24:47.200
certainly I just really thank you for

0:24:44.799,0:24:49.090
the opportunity to share with your

0:24:47.200,0:24:51.850
members of the deck and anyone else that

0:24:49.090,0:24:54.669
may be listening as I said it’s real

0:24:51.850,0:24:56.740
important to have a CPA advisor that

0:24:54.669,0:24:58.510
you’re working with one part of the

0:24:56.740,0:25:01.450
paychecks protection program that I did

0:24:58.510,0:25:05.650
not mention is that anything that is any

0:25:01.450,0:25:08.080
amount that is forgiven is not taxable

0:25:05.650,0:25:10.120
and that’s been a big question too so

0:25:08.080,0:25:12.370
that’s another benefit if you do get the

0:25:10.120,0:25:13.420
funds and they are forgiven whatever

0:25:12.370,0:25:15.640
portion is forgiven

0:25:13.420,0:25:18.550
is not taxable and it is important also

0:25:15.640,0:25:21.100
to know how to account for that in your

0:25:18.550,0:25:22.630
financial records but I really

0:25:21.100,0:25:25.810
appreciate the opportunity to talk to

0:25:22.630,0:25:28.930
you we really like to work what we call

0:25:25.810,0:25:31.870
and we’re hearing this term a lot now

0:25:28.930,0:25:34.390
together with our clients our slogan is

0:25:31.870,0:25:36.490
working together sets us apart we are

0:25:34.390,0:25:39.160
really a partner with our clients we get

0:25:36.490,0:25:41.170
to know them we make sure that we are

0:25:39.160,0:25:44.730
helping them make the best decisions for

0:25:41.170,0:25:47.710
their business and for them personally

0:25:44.730,0:25:49.300
well I certainly recognize that and see

0:25:47.710,0:25:51.970
that with other folks that are that are

0:25:49.300,0:25:54.400
clients of yours and and I know that

0:25:51.970,0:25:56.490
you’re great at communicating with them

0:25:54.400,0:25:58.900
and and that’s so important these days

0:25:56.490,0:26:01.270
small businesses have a lot of hats to

0:25:58.900,0:26:03.250
wear and and they get frustrated very

0:26:01.270,0:26:06.610
easily if they can’t get an answer

0:26:03.250,0:26:08.710
quickly and I know you folks have got a

0:26:06.610,0:26:11.740
great reputation in being able to do

0:26:08.710,0:26:13.240
that so so folks that have joined us

0:26:11.740,0:26:16.660
today we really appreciate you joining

0:26:13.240,0:26:19.000
the education webinar series from from

0:26:16.660,0:26:22.180
the deck we’d like to thank as always

0:26:19.000,0:26:23.980
our sponsors parasol video who really

0:26:22.180,0:26:26.320
makes this happen for us dot the IEEE

0:26:23.980,0:26:28.450
creative who handles a lot of the

0:26:26.320,0:26:30.760
marketing functions for the Dublin

0:26:28.450,0:26:33.970
entrepreneurial Center event video and

0:26:30.760,0:26:36.340
of course our our location host Metro

0:26:33.970,0:26:38.590
data center who are all just do an

0:26:36.340,0:26:40.960
outstanding job and serving clients and

0:26:38.590,0:26:42.670
and those businesses that are coming out

0:26:40.960,0:26:45.550
on this on the other side and seeing

0:26:42.670,0:26:48.610
wanting to come out stronger parasol

0:26:45.550,0:26:52.660
video is making some outstanding videos

0:26:48.610,0:26:55.990
for our tenants and others and getting

0:26:52.660,0:26:57.430
some good branding out for those for

0:26:55.990,0:27:01.000
those businesses so you might want to

0:26:57.430,0:27:03.130
contact them too to help you maybe have

0:27:01.000,0:27:05.920
something better out there to the public

0:27:03.130,0:27:07.870
and then of course another good

0:27:05.920,0:27:09.400
recommendation is dot the eye creative

0:27:07.870,0:27:12.670
and their marketing efforts they do an

0:27:09.400,0:27:15.160
outstanding job as as well so thank you

0:27:12.670,0:27:17.020
so much for joining us today in this in

0:27:15.160,0:27:18.610
this series and we

0:27:17.020,0:27:21.040
look forward to seeing you once again

0:27:18.610,0:27:24.340
with another great featured speaker and

0:27:21.040,0:27:26.390
another guest thank you so much and God

0:27:24.340,0:27:36.940
bless

0:27:26.390,0:27:36.940
[Music]