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Caroline Hwang, CEPF®

Posts by Caroline Hwang, CEPF®

retire early now
Financial Advisor

Why Retiring Early Is a Bad Idea Now

If you are near retirement and recently unemployed, you may have more company than you think. The tech sector has seen major layoffs over the past several months and many fear a recession is coming. While retiring early by itself… Read more…

U.S. Bankruptcy Court sign
Financial Advisor

New House Coronavirus Relief Bill Includes More Stimulus Checks

Coming in at 1,815 pages, the new coronavirus relief bill proposed and approved by the House is a giant wishlist. Named the Health and Economic Recovery Omnibus Emergency Solutions (HEROES) Act, it includes: $540 billion for states, territories and tribal governments; $100 billion for a public health and social services emergency fund; $100 billion for… Read more…

A woman in a store that is closed represents the need for Oregon coronavirus relief.
Financial Advisor

Oregon Coronavirus Relief Programs

Though Oregon’s first case of coronavirus was even before epicenter New York’s, the western state has kept its caseload relatively low. Its population is not as dense, of course. But state-issued social distancing measures have also played a key role… Read more…

Amid Vermont relief programs, a utility worker at the top of a tree is a welcome sight.
Financial Advisor

Vermont Coronavirus Relief Programs

As of April 20, some Vermonters are returning to work amid the COVID-19 pandemic. The phased restart of business allows for outdoor businesses (such as landscaping and utilities) and construction operations to resume work with a maximum two employees per site (indoor construction workers can be in empty buildings only). Also sole proprietors that offer… Read more…

Cash and a calculator on a desk represent the need for more small business stimulus aid.
Financial Advisor

The New Small Business Stimulus: PPP Funding and More

Small business owners who missed out on the first round of PPP loans and EIDL grants will have another shot. Congress has approved what’s officially called the Paycheck Protection Program and Health Care Enhancement Act – and informally dubbed Stimulus 3.5. (The third stimulus bill is the $2 trillion CARES Act). The bill was signed… Read more…

A face mask with Kentucky insignia represents kentucky relief programs
Financial Advisor

Kentucky Coronavirus Relief Programs

Compared to neighboring states Ohio and Tennessee, Kentucky has had far fewer coronavirus cases so far. Some counties have yet to tally even one case, though epidemiological modeling forecasts that the state is still a month away from its caseload… Read more…

A happier time during Mardi Gras in New Orleans - before there was any need for coronavirus relief programs.
Financial Advisor

Louisiana Coronavirus Relief Guide

Louisiana was the fourth state in the U.S. to be declared a major disaster – and the fourth state to tally 1,000 coronavirus deaths. A large portion of infections and deaths are located in tourist destination New Orleans and its surrounding area. This year, more than one million visitors from around the country and world… Read more…

Finding a PPP loan lender just got easier with our guide.
Financial Advisor

PPP Loans: Lender List and Requirements

The Paycheck Protection Program (PPP) is closed again. This is the third time since its inception. The first time was when it ran out of its $349 allocation; an interim stimulus bill gave it another $310 billion (with $30 billion set aside for small lenders and… Read more…

Coronavirus Stimulus Package
Financial Advisor

Coronavirus Stimulus Package: What You Need to Know

In an effort to help curb the economic effects of the coronavirus pandemic, President Donald Trump signed a coronavirus stimulus package called the Coronavirus Aid, Relief, and Economic Security (CARES) Act. The CARES Act is the biggest rescue package in U.S. history with a staggering price tag of $2 trillion. The legislation seeks to provide… Read more…

The government expanded student loan relief efforts in response to the coronavirus
Financial Advisor

Coronavirus Stimulus and Relief Program Guide

As the coronavirus pandemic intensifies, Americans are facing not only a public health crisis but an economic one as well. To help you navigate this uncertain period and protect your financial well-being, SmartAsset has gathered a list of resources to help you answer the difficult money questions you may have. We’re updating this page daily,… Read more…