Update April 11, 2020

ALL OUR MARKETS CONTINUE TO BE CLOSED

WE KNOW THIS IS A REALLY DIFFICULT TIME FOR SO MANY PEOPLE, INCLUDING OUR VENDORS AND CUSTOMERS.  BELOW ARE SOME RESOURCES TO CONSIDER:

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1. Economic Injury Disaster Loan (EIDL) through the Federal government-They are offering loans backed by a Small Business Administration lender, and even if you are not approved for a loan, on March 27 they added a component that will give you a $10,000 grant (if used for payroll), which means you do not have to pay it back.  The exact details (such as interest rate) keep changing, but the information last provided indicates anywhere from .05% to 1% interest charge on the loan portion, should you qualify and be approved for it.  Typically this is not available to sole proprietors or independent contracts, but beginning April 4, 2020, these categories can apply, and there is money set-aside specifically to fund this.  This is the website address: https://www.sba.gov/disaster/apply-for-disaster-loan/index.html

 

2. The Payment Protection Program is a loan forgiveness program for “salaries” for one year, which will also cover sole proprietors (although it will be a bit more complicated since you’ll have to rely on your Schedule C from your prior year tax return) to show what your salary draw was.  My understanding is that the forgivable loan will be 2.5 times the salary draw that is determined from your application (and Schedule C if you’re a sole proprietor).  The money can be used for payroll and rent/utilities, although 75% needs to be used for payroll.  For any amount that is not deemed forgivable, there will be a 1% interest charge and repayment is over two years.  This is currently funded at $349 million. This is the website for the application: https://www.sba.gov/document/sba-form--paycheck-protection-program-borrower-application-form and attached is the PPP Information Sheet for borrowers.

 

 

3. While not typically eligible for unemployment, businesses, self-employed and contract workers are now eligible via Pandemic Unemployment Assistance.  In reviewing the information, it looks like this program is not ready quite yet so probably better to keep checking the website for updates as to when to apply.  Here’s a link to the Economic Development Department (EDD) website page for more information: https://www.edd.ca.gov/about_edd/coronavirus-2019/pandemic-unemployment-assistance.htm

Visit our San Diego County
markets for locally-grown produce, freshly prepared foods and handcrafted textiles

Why Eat Food Less Traveled?

 

  • Local food has more nutrients. Local food has a shorter time between harvest and your table, and it is less likely that the nutrient value has decreased. Food imported from far-away states and countries is often older, has traveled and sits in distribution centers before it gets to your store.

  • Locally grown food is full of flavor. When grown locally, the crops are picked at their peak of ripeness versus being harvested early in order to be shipped and distributed to your local retail store. Many times produce at local markets has been picked within 24 hours of your purchase.

  • Eating local food is eating seasonally. Even though we wish strawberries were grown year round, the best time to eat them is when they can be purchased directly from a local grower. They are full of flavor and taste better than the ones available in the winter that have traveled thousands of miles and picked before they were ripe.

  • Local growers can tell you how the food was grown. You can ask what practices they use to raise and harvest the crops. When you know where your food comes from and who grew it, you know a lot more about that food.

  • Local food supports the local economy. The money that is spent with local farmers and growers all stays close to home and is reinvested with businesses and services in your community.

  • Local food benefits the environment. By purchasing locally grown foods you help maintain farmland and green and/or open space in your community.

  • Local foods promote a safer food supply. The more steps there are between you and your food’s source the more chances there are for contamination. Food grown in distant locations has the potential for food safety issues at harvesting, washing, shipping and distribution.

Why Shop Goods Less Traveled?

  • Improve the local economy.  When a consumer buys local, significantly more of that money stays in the community. In fact, one Chicago study found that for every $100 spent at a local business, $68 remained in the city while only $43 of each $100 spent at a chain retailer.

  • Know the people behind the product.  When you're shopping with a small local business, you're often working directly with the owner (and manufacturer) of the product you are selling. This creates a connection you would not otherwise have and allows for the development of an interpersonal relationship.

  • Better customer service. Local businesses tend to hire people with a better understanding of the products they are selling and take more time getting to know their customers.

  • Encourage local prosperity. Entrepreneurs and skilled workers are more likely to settle in communities that promote their one-of-a-kind businesses and distinctive character.

  • Create more local ownership and good jobs.  Small local businesses are the largest employer nationally and provide the most jobs to residents.

  • Invest in the community. Local businesses are owned by your friends and neighbors, are less likely to leave, and are invested in the community's future-just like you.

  • Reduce environmental impact.  Locally owned businesses make more local purchases, requiring less transportation.  Selling in or near where they live results in sprawl, congestion, habitat loss, and pollution.

 

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