SJM_AskTheExperts_page 51_Region 2 . qxp_Pages 2 / 10 / 21 3 : 33 PM Page 1 SPECIAL ADVERTISING SECTION SPECIAL ADVERTISING SECTION ask the expert questions and answers BANKER LAWYER ALLERGY Is there still time to apply for a Pay - How do you spell Will ? T.E.A.M . Should I be concerned about allergies When it comes to estate planning , “ it’s not check Protection Program ( PPP ) loan ? and the COVID - 19 vaccine ? just about valuables , but about values ; not Yes ! This round of PPP is set to expire on The COVID - 19 vaccines currently available just about principal , but about principles . ” [ Dr . March 31 , 2021 , unless the funding runs out ( Pfizer - BioNtech and Moderna ) are known as Barry Baines , “ Ethical Wills , Putting Your Val - sooner . As of now , more than half of the mRNA vaccines and are very safe and highly ues on Paper ” ] Transferring values and ideals , $ 284 billion appropriated by Congress re - effective . While there have been cases of in addition to your monetary wealth , is an mains available . allergic reactions to the vaccines , these have important part of leaving a legacy . In other been rare , and none have resulted in fatali - words , what your children and grandchildren ties . However , the rate of serious illness and Applicants that previously received a PPP inherit should be more than just real estate , death from COVID - 19 is incredibly signifi - loan can apply for a second - draw loan . To do the family business , or stocks and bonds , but cant . It should be emphasized that people so , they must have suffered a 25 % revenue the value of hard work , respect for family with common allergies to inhalants ( pollen , decline , but the SBA has made that test flexi - traditions and recognition of one’s heritage . pet dander , mold , dust mites ) , food , insects , ble : Applicants may pick any quarter of 2020 oral medications , and latex are NO more like - in which their revenue was down by 25 + % ly than the general public to have an allergic Creating an estate plan that serves your compared to that same quarter of 2019 . If a reaction to these vaccines . As unique needs and reflects your beliefs and business ’ annual revenue didn’t decline by such , the values requires a group 25 % between 2019 and 2020 , but a particu - benefits certainly outweigh the risks . The of skilled advisors lar quarter vaccine is even safe for people with im - from a variety of disciplines . Sound estate meets that test , then that busi - munocompromised conditions ( cancer , planning is built upon a multidisciplinary ness can apply . diabetes , immune deficiencies ) and in those approach among a group of professionals with a family history of allergic reactions . that work together as a team , with clear First - draw loans are also available . As of the communication , established roles and a January 31 , 2021 data released by the SBA , desire to work together cooperatively There is a possible increased risk of having about one - quarter of the loans approved in and collaboratively . an allergic reaction to the vaccine if you have this current round of PPP were first - draws . history of severe allergic reactions to prior No revenue - decline test applies if a business vaccinations , or certain injectable medica - Our professionals are well versed in working has never had a PPP loan before . tions . In this case , you should consult with with accountants , financial advisors and your physician or allergist . People with a bankers to provide each client the optimal It’s important to the SBA and to bankers that known history of allergic reaction to polyeth - planning experience . We pride ourselves in there is access to PPP funds for minority , ylene glycol ( PEG ) or polysorbate should not our holistic approach in planning for each underserved , veteran and women - owned receive the vaccine , as these substances are client’s goals and circumstances to reflect in - businesses . For more information , please related to components of the mRNA vaccine . dividual values , principles and objectives . We contact PPP @ centurysb.com . If you have an allergic reaction within 4 hours appreciate the accounting , investment and of getting the first COVID - 19 shot , then you banking professionals with whom we have As a career - long community banker , I’m re - should not get the second shot and you had the privilege to work and look forward to ally proud of the nation’s community banks ’ expanding and building those relationships . fast adoption to last year’s PPP , which out - should consult with an allergist . paced that of the big banks . I expect the same to be true again in 2021 . Century Savings Bank Advanced ENT & Allergy Capehart Scatchard Hanrahan Dave Dr . Shashank S . Sheth Yasmeen S . Khaleel , JD , LLM President Board Certified Allergist / Immunologist Renee C . Vidal , JD , LLM 1376 West Sherman Ave , Suite A Multiple locations in South Jersey Wills , Trusts & Estate Planning Group Vineland , NJ ( 856 ) 602 - 4000 ( 856 ) 234 - 6800 ( 856 ) 690 - 9105 Advancedent.com Capehart.com CenturySB.com SOUTH JERSEY MAGAZINE volume 17 issue 11 SouthJerseyMagazine.com | 51