Tuesday, May 19, 2020

PPP Loan Forgiveness Instructions

Contributed by Karen Rodowicz


PPP government loan application

To apply for forgiveness of your Paycheck Protection Program (PPP) Loan, you must complete the attached application and submit to the Lender that is servicing your loan.


The attached application contains the following:
1.) PPP Loan Forgiveness Calculation Form
2.) PPP Schedule A
3.) PPP Schedule A Worksheet
4.) PPP Borrower Demographic Information Form (optional)
* All borrowers must submit items 1 and 2 to their Lender.
** Borrowers can complete this application electronically through their Lender.
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Friday, May 15, 2020

BBA Business News 05/15/2020, Bonnie Trembulak, President

Covid-19 guidelines in place - Belleair Bluffs
The Belleair Bluffs Community is Open for Business with Covid-19 Guidelines in Place


MARK YOUR CALENDAR FOR OUR NEXT NETWORK FOR SUCCESS ZOOM MEETING - Wed, May 20TH AT A NEW TIME 9:00AM. We'll send a zoom link when ready. Our last zoom meeting was well attended. We are working on some ideas on how to help your business connect with consumers. We hope to have more news for you soon.

Melendy Real Estate. We have been open and will continue to be open at We have and will follow all CDC guidelines. We will also take the initiative to keep the office clean and disinfected. We have supplies available for clients and meetings. I have a listing at 40 Gulf Blvd Belleair Shores offered at $3.5M and my clients are still willing to show the home to qualified buyers or agents and I will provide the necessary supplies to keep everyone safe. We can schedule meetings at the office and we are available 7 days a week as we have been and happy to help anyone during this transition, through the pandemic and God willing through normal circumstances when we are blessed for those conditions to exist. We will air on the side of caution for the benefit of our clients, families, employees, and all of us that co-exist in our wonderful community. Please reach out to me if you need anything at 727-657-8912 or realtormelendy@gmail.com I look forward to seeing you in the office and back in the community. Stay well!

Cody's in Belleair Bluffs is still open for 25% indoor dining with requested reservations and will be complying with all of the CDC guidelines for safe dining. We will also continue our To Go business for those that still are complying with Stay at Home. Our hours of operation will be from Monday through Saturday opening at 3:30pm and on Sunday opening at 12:00 noon. We will continue our 2-4-1 Wednesday Fajita specials. To make your dining reservations or To-Go orders please call 727-584-8473 and our menu at www.codysoriginalroadhouse.com "Just Plain Good Food"

Suzettes On The Rocks and Suzettes Too - WE ARE OPEN AND GLAD TO BE BACK! HOURS FOR THE MONTH OF MAY MONDAY THRU SATURDAY 11:00AM–5:00PM. WE ARE OFFERING MORNINGS UNTIL 11:00AM FOR PRIVATE APPOINTMENTS!

Fluffy Puppies of Pinellas is open for dog grooming and Doggie daycare appointment only. Retail is open as we are allowing one customer at a time. Every precaution is being taken. Sanitizing every 30 minutes, glass shield on the counter to ensure CDC guidelines. We have plenty of hand sanitizer. Our employees will be wearing masks and we require our customers to be wearing one as well. Thank you for your patience as we forge through a new normal. Suzanne Fluffy Puppies of Pinellas, Inc, 1447 S. Ft. Harrison Ave, Clearwater, FL 33756.

Tricia Priest Coldwell Banker Realty - Our homes are our sanctuaries, now more than ever. People are buying and selling even in these abnormal times. If you are interested in a market analysis of your property please call, text, or email me. Thank you! tricia.priest@floridamoves.com 727-612-6277.

Seacoast Bank - The other large banks have stopped offering HELOC options and we are currently still processing them, and rates are very low as of now.
Information around the PPP (Paycheck Protection Program) which the government is getting ready to open the second wave of funding on. I would be more than happy to help anyone current client or not, through some of the questions or concerns they may have. A significant portion of the CARES ACT as it relates to Small Businesses is the Paycheck Protection Program, which Seacoast is happy to leverage for our existing customers. Please refer to this link for regularly updated information as it relates to the Paycheck Protection Program: https://www.seacoastbank.com/coronavirus-cares-act-faq. If interested in applying, here is what we recommend you start gathering in preparation for the program to become available (please note this is subject to change as we await guidance from the SBA in the coming days): You may access the required SBA Forms here: https://www.seacoastbank.com/sba-forms. As noted above, lenders are currently awaiting guidance from the SBA regarding specific eligibility and other program rules, as well as the timeline to begin processing these loans. Please continue to check our website for updates. I’m happy to answer any questions you may have. Ahmed Bouarfa | AVP, Banking Center Manager II, 715 Indian Rocks Rd N. Belleair Bluffs, FL 33770. Ahmed.Bouarfa@SeacoastBank.com, O: 727.373.3988, T: 800.706.9991, Internal Ext: 21809.

Lala's by Laura Katz Home is open with limited hours 11:00am–4:00pm Monday - Saturday.private appointments before or after hours. Mask required. 100 Indian Rocks Rd in the Plaza 100.

Janna’s is open at 10:00am we will be working limited hours for a short period of time closing at 4:00pm. We have missed you and look forward to seeing you again. In order to keep everyone safe, you will notice the following changes: Upon entering you will find a station with hand sanitizer. Please use a squirt before continuing into the store. It has been difficult to find hand sanitizer so please do not overuse it. Our employees will be wearing masks anytime you are in the store. Our mask helps protect you. We are asking that you also wear a mask because your mask helps protect our employees and other shoppers. If you do not have a mask, we will be happy to provide you one, we have a limited supply so we will only be able to provide one per person. We will be observing 6 ft social distancing at all times and we ask that you do that also. We are sure that many of you have been cleaning closets and have many items that you want to consign. We want you to bring us those items soon. Please give us a bit of time as we are in the process of rescheduling our canceled appointments due to the closure. We will offer curbside pick up for consignment call 727-584-9222 to let us know you are waiting and we will come and get your items. Thank you for supporting us. Our shop would not be possible without each of you and we appreciate each of you more than you will ever know. Please continue to support us. Your support means that Janna's will be here for many more years. We look forward to seeing you on Monday. Janna Fine Consignment Apparel, 268 N. Indian Rocks Rd, Belleair Bluffs, FL 33770, 727-584-9222.

Chloe's Home Decor will be operating under normal business hours. Free delivery. Layaway options available. Hours: Monday 10:00am–5:00pm, Tues–Friday 10:00am–7:00pm, Sat 10:00am–5:00pm, Sund 12:00pm–4:00pm.

Design For Communication can help you get the word out with a business social media campaign and a fresh look to your website. Publishing target dates include Memorial Day, May 31st, and the 4th of July.) Gary will meet you online, at your company's door or other outdoor. Need a smartphone ‘App' call 727-451-9393, or email inbusiness@designforcommunication.net - stay safe and productive.

Pyramid Realty Inc will be open on Monday, May 5th from 8:00am–5:00pm M-F And always By phone, text, or email 24-7.

F45 Training Largo East: Gyms still aren't allowed to open, so here's what's up with us. We're offering a $59/mo At Home Membership that includes 1:1 support (phone, text, video chat) from your assigned certified personal trainer, daily LIVE and recorded workouts, a 45 Day Challenge, resources for managing stress, and a party when we all get back in the studio! Call Justin at 727-362-6408 to get started. F45 Training Nathan Temple, Owner largoeast@f45training.com. 2715 East Bay Drive, Largo, FL 33771.

Bender Chiropractic Center business as usual. Normal hours. Chiropractic, nutrition, acupuncture, and massage.

Belleair Storage is continuing to remain open and available to our existing tenants as well as future tenants. We are an essential business and during the shutdown, we have been able to operate by complying with social distancing and following all CDC guidelines. I hope you all are doing well, and staying safe and Healthy.

Insure Me of Tampa Bay LLC My business will continue on as usual, as I do A lot by phone and computer. I am also available by appointment. We're open and available for Business!! The best for those businesses that are reopening... Melanie Koulouvaris, Principal-Agent 727-221-9637.

Cardworks - In an order to help small businesses save, Cardworks is offering 2 free months of processing. We want to help local businesses in the area impacted by the pandemic, and with our expert customer service and care, we will do just that. Please reach out to Ashley Joustra at 727-656-1083, or by email at ashley.joustra@cwamssales.com to discuss further. Stay safe everyone, we look forward to seeing you all again soon!

Key Palm Insurance is proud to offer its services to the Belleair Bluffs Business Association. We specialize in Home and Flood personal lines Insurance, we get you quotes within an hour of the request. www.keypalminsurance.com. Tracy Hampton, Personal Lines Agent for Key Palm Insurance (727) 796-1312 Ext. 04 (Direct), (727) 799-7983 (Fax), (888) KEY-PALM (Toll Free) tracy@keypalminsurance.com www.keypalminsurance.com.

Island Pest Control Services wants to wish you and your family a Happy and Healthy Stay at Home. We are still operating during the stay at home order ( Social Distancing of course ) and providing Exterior Perimeter treatments for the pest. Don't be BUGGED call Island Pest Control Services (727) 596-7715. Remember we are all in this together!! Be Kind! And Stay Strong.

Harbor Bluffs Living Magazine and Network is still publishing and delivering high-quality monthly magazines. We are setting up Zoom appointments with potential sponsors. We are currently working on July Magazine. The cell is 727-657-9615 or email me at Devin.pappas@n2pub.com. Please Stay Healthy.

McManus & McManus, P.A - We are operating at normal business hours and by special appointment Monday – Friday 9:00am -5:00pm. Our lobby hours may be restricted in order to comply with CDC guidelines, during appointment times. To help us keep our clients and our staff healthy, calling ahead is encouraged and notaries are available by appointment only. Servicing our existing and new clients and their estate planning, real estate, and settlement needs. This is an important time to review your plans and update them if needed. Conferences can be scheduled by video or in person, by special appointment. Our monthly workshops have been temporarily postponed until they can be brought online. We appreciate the support our BBA members have given in sharing the good word about our weekend workshops. We look forward to bringing you something new soon.

Belleair Bluffs City Hall is open by appointment only. City Building Permits are being processed. Contractors can fill out the required information at https://www.belleairbluffs.org/permits.aspx or contact admin@belleairbluffs-fl.gov or call Nancy at 727-584-2151. Patrons can always call the City Hall number at 727-584-2151 and leave a message or City Clerk, Alexis Silcox at 727-638-6495 when City Hall is closed for any general questions or issues. Pinellas County Citizen Information Center remains open for COVID-19 information calls at 727-464-4333.

Bella Vino Wine Market is open Monday - Saturday 10:00am–7:00pm. NOW OPEN Sundays also 11:00ap–3:00pm. Our wine bar is closed. We adhere to all CDC guidelines for in-store shopping. We are offering Delivery, Curbside pick-up, and shipping (you may call ahead 727-584-5552). Wine, beer, Artisan cheeses & meats, cigars, gift baskets, gourmet foods, and more! Lowest wine prices in town.

Creative Design Team - Yes, we are still open for business - by appointment. We are available at 727-539-1971. We are meeting with clients via Zoom & mailing samples, in our studio, and in their home, respecting the 6’ rule—whichever they prefer. Creative Design Team is producing a new, 1 hour Facebook Live called “Enhance the Space: Ask Me Anything” on Thursdays at 10:30am. Viewers can submit their design or feng shui questions to info@creativedesignteam.com in advance, or comment on our feed live during the show.

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Wednesday, May 6, 2020

BBA - Belleair Bluffs - Business Updates 05/06/20

McManus Estate Planning Online Workshop 05/09/20
Click/Tap on Image: Go to McManus Estate Planning.

McManus & McManus, P.A. - Will be holding a virtual workshop on Saturday, May 9, 2020. See flyer at website www.McManusEstatePlannng.com. Mary McManus, Taylor McManus & McManus, P.A.

Additional Business News:

Lemon Tree Vintage Market wishes everyone well and will welcome back shoppers on Monday, May 4th. Adhering to CDC guidelines and social distancing in the shop. She will begin with limited hours Monday-Saturday from 12:00–4:00pm. She is also offering curbside pick up and private shopping by appointment. She can be reached at 813-494-4295. 🍋

Radiance Medspa will be reopening for business on Monday, May 11th! For information on the safety measures we have put in place as well as our hours and to book an appointment, please visit www.radiancemedspa.com or call 727-518-7100.

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Create a Work at Home Schedule

working at home, homoffice, computer, calendar, coffee, pen, flowers

by April Meyers



Like so many others, I’m working from home full time, which has been a hard adjustment for me. I know a lot of other people are struggling too, so I thought I’d reach out to leading sites like yours with some helpful info to make working from home easier:

8 Tips to Create a Work or Study at Home Schedule

17 Strategies to Survive Working From Home With Children

How to Set Up a Distraction-free Home Office and Work Productively When You Have ADHD

10 Tips for Organizing Your Home Office

11 Office Decor Ideas to Improve Productivity

How to Tackle Loneliness When you Work from Home

9 Tips to Improve Work-LifeBalance When Working From Home

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Friday, May 1, 2020

May 2020: Belleair Bluffs' BBA - Open, Closed, Reopen News




Several businesses will be re-opening the week of May 3, 2020. Here's a partial list complete by Bonnie (thanks again)...

JK Flowers & Gift Basket We are still taking orders via phone and email and are gearing up for Mother's day May 10. We will still do local deliveries all contactless for the BBA free of charge. Come Monday the changes we will make is allow anyone to pick up delivery if they choose, they need to give a time frame so we do not have too many people in the shop. We're offering a special on tulip arrangements for Mother's Day for only $30. 420 Indian Rocks Rd N, Belleair Bluffs, FL 33770 727-588-4583 www.JKFlowersinc.com.


Cody's in Belleair Bluffs will be opening for 25% indoor dining with requested reservations and will be complying with all of the CDC guidelines for safe dining. We will also continue our To Go business for those that still are complying with Stay at Home. Our hours of operation will be from Monday through Saturday opening at 3:30pm and on Sunday opening at 12:00 noon. We will continue our 2-4-1 Wednesday Fajita specials. To make your dining reservations or To-go orders please call 727-584-8473 and our menu at www.codysoriginalroadhouse.com "Just Plain Good Food"

Laura Katz Home - We are opening Monday, limited hours 11:00am–4:00pm Monday–Saturday with private appointments before or after hours. Mask required. 100 Indian Rocks Road.

Janna’s will reopen on Monday, May 4th at 10:00am we will be working limited hours for a short period of time closing at 4:00pm. We have missed you and look forward to seeing you again. In order to keep everyone safe, you will notice the following changes: Upon entering you will find a station with hand sanitizer. Please use a squirt before continuing into the store. It has been difficult to find hand sanitizer so please do not overuse it. Our employees will be wearing masks anytime you are in the store. Our mask helps protect you. We are asking that you also wear a mask because your mask helps protect our employees and other shoppers. If you do not have a mask, we will be happy to provide you one, we have a limited supply so we will only be able to provide one per person. We will be observing 6 ft social distancing at all times and we ask that you do that also. We are sure that many of you have been cleaning closets and have many items that you want to consign. We want you to bring us those items soon. Please give us a bit of time as we are in the process of rescheduling our canceled appointments due to the closure. We will offer curbside pick up for consignment call 727-584-9222 to let us know you are waiting and we will come and get your items. Thank you for supporting us. Our shop would not be possible without each of you and we appreciate each of you more than you will ever know. Please continue to support us. Your support means that Janna will be here for many more years. We look forward to seeing you on Monday! Janna Fine Consignment Apparel, 268 N. Indian Rocks Rd. Belleair Bluffs, FL 33770, 727.584.9222.

Chloe's Home Decor will be operating under normal business hours. Free delivery. Layaway options available. Hours: Mon 10:00am–5:00pm, Tues–Fri 10:00am–7:00pm, Sat 10:00am–5:00pm Sun 12:00–4:00pm.

Design For Communication can help you get the word out with a business social media campaign and a fresh look to your website. Publishing target dates include Mother’s Day (May 10), Peace Officer’s Recognition Day (May 15), and Memorial Day (May 31.) Gary will meet you online, at your company's door (6 feet away) or other outdoor area sporting a mask. Need a smartphone 'App' call 727-451-9332, or email inbusiness@designforcommunication.net - stay safe and productive.

Pyramid Realty Inc will be open on Monday, May 5th from 8-5 M-F And always by phone text email 24–7.

F45 Training Largo East: Gyms still aren't allowed to open, so here's what's up with us. We're offering a $59/mo 'At Home Membership' that includes 1:1 support (phone, text, video chat) from your assigned certified personal trainer, daily LIVE and recorded workouts, a 45 Day Challenge, resources for managing stress, and a party when we all get back in the studio! Call Justin at 727-362-6408 to get started. F45 Training Nathan Temple, Owner largoeast@f45training.com. 2715 East Bay Drive, Largo, FL 33771.

Melendy Real Estate - We have been open and will continue to be open at We have and will follow all CDC guidelines. We will also take the initiative to keep the office clean and disinfected. We have supplies available for clients and meetings. I have a listing at 40 Gulf Blvd Belleair Shores offered at $3.5M and my clients are still willing to show the home to qualified buyers or agents and I will provide the necessary supplies to keep everyone safe.

We can schedule meetings at the office and we are available 7 days a week as we have been and happy to help anyone during this transition, through the pandemic and God willing through normal circumstances when we are blessed for those conditions to exist. We will air on the side of caution for the benefit of our clients, families, employees, and all of us that co-exist in our wonderful community. Please reach out to me if you need anything at 727-657-8912 or realtormelendy@gmail.com I look forward to seeing you in the office and back in the community. Stay well!

Bender Chiropractic Center Business as usual! Normal hours! Chiropractic, nutrition, acupuncture, and massage!

Belleair Storage is continuing to remain open and available to our existing tenants as well as future tenants. We are an essential business and during the shutdown, we have been able to operate by complying with social distancing and following all CDC guidelines. I hope you all are doing well and staying safe and healthy.

Insure Me of Tampa Bay LLC - My business will continue on as usual, as I do a lot by phone and computer. I am also available by appointment. We're open and available for business! The best for those businesses that are reopening... Melanie Koulouvaris, principal-agent 727-221-9637

Cardworks - In an order to help small businesses save, Cardworks is offering 2 free months of processing. We want to help local businesses in the area impacted by the pandemic, and with our expert customer service and care, we will do just that. Please reach out to Ashley Joustra at 727-656-1083, or by email at ashley.joustra@cwamssales.com to discuss further. Stay safe everyone, we look forward to seeing you all again soon!

Seacoast Bank - Information around the PPP (Paycheck Protection Program) which the government is getting ready to open the second wave of funding on. I would be more than happy to help anyone current client or not, through some of the questions or concerns they may have. A significant portion of the CARES ACT as it relates to small businesses is the Paycheck Protection Program, which Seacoast is happy to leverage for our existing customers. Please refer to this link for regularly updated information as it relates to the Paycheck Protection Program: https://www.seacoastbank.com/coronavirus-cares-act-faq. If interested in applying, here is what we recommend you start gathering in preparation for the program to become available (please note this is subject to change as we await guidance from the SBA in the coming days): You may access the required SBA Forms here: https://www.seacoastbank.com/sba-forms. As noted above, lenders are currently awaiting guidance from the SBA regarding specific eligibility and other program rules, as well as the timeline to begin processing these loans. Please continue to check our website for updates. I’m happy to answer any questions you may have. Ahmed Bouarfa, AVP, Banking Center Manager II, 715 Indian Rocks Rd N, Belleair Bluffs, FL 33770. Ahmed.Bouarfa@SeacoastBank.com, O: 727.373.3988, T: 800.706.9991, Internal Ext: 21809.

Key Palm Insurance is proud to offer its services to the Belleair Bluffs Business Association. We specialize in Home and Flood personal lines insurance, we get you quotes within an hour of the request. www.keypalminsurance.com. Tracy Hampton, personal lines agent for Key Palm Insurance (727) 796-1312 Ext. 04 (Direct), (727) 799-7983 (Fax), (888) KEY-PALM (Toll Free). tracy@keypalminsurance.com www.keypalminsurance.com

Island Pest Control Services wants to wish you and your family a Happy and Healthy Stay at Home. We are still operating during the stay at home order (social distancing of course) and providing Exterior Perimeter treatments for the pest. Don't be BUGGED call Island Pest Control Services (727) 596-7715. Remember we are all in this together! Be Kind! And Stay Strong.

Tricia Priest Coldwell Banker Realty is open and doing business. Our homes are our sanctuaries, especially now. People are still buying and selling, please call or text Tricia at 727-612-6277.

Harbor Bluffs Living Magazine and Network is still publishing and delivering high-quality monthly magazines. We are setting up Zoom appointments with potential sponsors. We are currently working on July Magazine. My cell is 727-657-9615 or email me at Devin.pappas@n2pub.com. Please stay healthy.

McManus & McManus, P.A - We are operating at normal business hours and by special appointment Monday–Friday 9:00am–5:00pm. Our lobby hours may be restricted in order to comply with CDC guidelines, during appointment times. To help us keep our clients and our staff healthy, calling ahead is encouraged and notaries are available by appointment only. Servicing our existing and new clients and their estate planning, real estate, and settlement needs. This is an important time to review your plans and update them if needed. Conferences can be scheduled by video or in person, by special appointment. Our monthly workshops have been temporarily postponed until they can be brought online. We appreciate the support our BBA members have given in sharing the good word about our weekend workshops. We look forward to bringing you something new soon!

Belleair Bluffs City Hall is open by appointment only. City Building Permits are being processed. Contractors can fill out the required information at https://www.belleairbluffs.org/permits.aspx or contact admin@belleairbluffs-fl.gov or call Nancy at 727-584-2151. Patrons can always call the City Hall number at 727-584-2151 and leave a message or City Clerk, Alexis Silcox at 727-638-6495 when City Hall is closed for any general questions or issues. Pinellas County Citizen Information Center remains open for COVID-19 information calls at 727-464-4333.

Note: Belleair Bluffs is now allowing alcoholic beverages to sell, serve or dispense at all legal locations from 8:00am–3:00am daily INCLUDING Sunday. This mirrors the Pinellas County code. 

Bella Vino Wine Market is open Monday–Saturday from 10:00am–7:00pm. NOW OPEN Sundays also 11:00am–3:00pm. Our wine bar is closed. We adhere to all CDC guidelines for in-store shopping. We are offering Delivery, Curbside pick-up, and shipping (you may call ahead 727-584-5552.) Wine, beer, artisan cheeses & meats, cigars, gift baskets, gourmet foods, and more! Lowest wine prices in town!

Creative Design Team - Yes we are still open for business, by appointment. We are available at 727-539-1971. We are meeting with clients via Zoom & mailing samples, in our studio, and in their home, respecting the 6’ rule—whichever they prefer. Creative Design Team is producing a new, 1 hour Facebook Live called “Enhance the Space: Ask Me Anything” on Thursdays at 10:30am. Viewers can submit their design or feng shui questions to info@creativedesignteam.com in advance, or comment on our feed live during the show!

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 BBA Mark Your Calendars - End of September–October 2020 Wednesday, September 23, 2020 - 10:00AM Walk-of-the-Town - FL Botanical Gardens Fri...