The House signed the bill earlier this week and now the Senate has approved for the 45L tax credits to be allowable retroactively for projects placed in service from 1/1/2018 – 12/31/2020.  While this bill does not include fixes to… Read More

The post You May Be Able to Claim the 45L Tax Credit Retroactively Thanks to the New Home Energy Efficiency Act appeared first on Anders CPAs.

The Missouri Department of Revenue has announced the 2019 individual income tax year changes, effective for the tax year beginning January 1, 2019, which will be reflected on 2019 Missouri individual income tax returns.
Income Tax Brackets
The income tax… Read More

The post Missouri Announces Individual Income Tax Changes for 2019 Tax Returns appeared first on Anders CPAs.

Access the 2020 Anders Tax Pocket Guide for this year’s corporate and individual tax rates, retirement plan contribution limits and more, including:

Estate tax and lifetime gift tax exemption increase to $11,580,000
AMT exemption increase
Standard deduction increase

View the… Read More

The post 2020 Tax Pocket Guide appeared first on Anders CPAs.

In 2020, there are several updates to various payroll tax withholding limits, including Social Security tax and 401(k) elective deferrals. For employees, minimum wage is increasing in Missouri and Illinois. Below we highlight any payroll tax and withholding updates or… Read More

The post 2020 Payroll Tax and Withholdings Update appeared first on Anders CPAs.

As we enter year three of the qualified business income (QBI) era, if you have not yet taken steps to maximize your deduction under this tax law – the time is now. Over the past two years, we have seen… Read More

The post Overcoming Obstacles for Utilizing the QBI Deduction appeared first on Anders CPAs.

It’s crunch time for filing individual tax returns, which means tax-related identity theft is on the rise. Each year, more and more scammers plan to steal personal information of taxpayers to file a fraudulent return or claim a refund. The… Read More

The post Protect Yourself Against Tax-Related Identity Theft with a New Tool from the IRS appeared first on Anders CPAs.

The IRS has officially extended the federal income tax filing and payment deadline from April 15 to July 15, 2020 as part of relief efforts around the COVID-19 pandemic. All American taxpayers and businesses will have three additional months to … Read More

The post IRS Extends Federal Tax Filing Deadline to July 15 in Response to COVID-19 appeared first on Anders CPAs.

GagliardiPhotography/Shutterstock

• As spring passes by under lockdown, many Americans are wondering if it's safe to visit their mom for Mother's Day this year. 
• Claudia Finkelstein, a doctor and associate professor of family medicine at Michigan State University, says that if either you or your parent have a chronic illness, are over the age of 65, or live in an urban area, it's unwise to plan an in-person visit.
• If you are able to visit your mother, however, try to meet outdoors and avoid physical contact — which may be challenging if you have children.
• Visit Business Insider's homepage for more stories.

As a physician, mother, daughter, and socially responsible human, I'm finding Mother's Day to be complicated for me this year, as it is for millions. Questions of whether and how to see my adult children and my own elderly mother present medical and ethical quandaries. As an associate professor of family medicine with a focus on wellness, as Mother's Day approaches, I'd like to share with you my thinking about this using some tools to aid discernment.

Wouldn't it be great if choosing time with parents or offspring were ever an easy decision to make? However, the answer is rarely that simple. This year, in the midst of a global pandemic and the need to continue to practice social distancing, the decision is even more complex than usual.

See the rest of the story at Business Insider

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• 14 countries that are paying their workers during quarantine — and how they compare to America's $1,200 stimulus checks
• This is the most common zodiac sign among the world's richest billionaires

SEE ALSO: 5 ways for parents to motivate their kids and avoid tantrums at home during the coronavirus, according to a parenting expert

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AP Photo/Evan Vucci

• More than a dozen people who may work near President Trump and Vice President Pence have tested positive for the coronavirus this week.
• On Friday, Pence's press secretary Katie Miller tested positive for the virus. Eleven Secret Service agents have also tested positive for COVID-19, along with one of President Trump's valets. Ivanka Trump's assistant has also caught the coronavirus, but that person has been working remotely for weeks. 
• Because the virus spreads easily when people are in close contact, the US Centers for Disease Control and Prevention urges anyone who's been exposed to someone who's caught the coronavirus to stay home for 14 days.
• FDA Commissioner Stephen Hahn, who worked with Miller recently, said he'll stay home for the next two weeks, but the President and Vice President remain out and about. 
• Visit Business Insider's homepage for more stories.

The coronavirus arrived at the White House this week.

Vice President Mike Pence's Press Secretary, Katie Miller, tested positive for the virus on Friday. 

See the rest of the story at Business Insider

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• New research found coronavirus antibodies in over 99% of recovered patients. Here's what science says about immunity.
• The CDC is warning of potential measles outbreaks as kids miss getting vaccines while in lockdown

Getty Images

• The storied investment bank is seeing leadership shakeups under CEO David Solomon and a slew of partner departures. 
• Goldman has been moving away from high-risk businesses like trading and is making pushes into more stable areas like consumer lending, wealth management, and transaction banking. 
• There have been big cultural changes, too. Solomon is looking to create a more transparent workplace, while new tech execs are taking cues from Silicon Valley heavy-hitters. 
• At Business Insider, we are closely tracking the latest developments at Goldman. You can read all of our Goldman coverage on BI Prime.

Storied Wall Street bank Goldman Sachs is going through some massive changes under CEO David Solomon.

It's taken big steps involving transparency and inclusion to change up its culture. It has seen a slew of partner departures — many in the securities division. And it's making big pushes into businesses like wealth management and transaction banking.  

The latest people moves

• Goldman Sachs just hired Kurt Hoffman, an expert in distressed situations and bankruptcy, to join a trading unit known for some of the bank's most lucrative deals
• Goldman Sachs' top tech exec explains how a fresh slew of senior hires are transforming the bank's approach to building products
• Read the full memo Goldman Sachs just sent naming 4 execs to lead its private-equity investments across the merchant-banking division

Culture and talent

• Read the full memo Goldman Sachs just sent to staff announcing its new head of regulatory affairs. The former White House counsel will be tasked with helping clean up the bank's 1MDB drama.
• Goldman Sachs just hired 2 senior recruiting execs focused on luring top talent from other firms —and it's a huge departure from the firm's traditional promote-from-within mentality
• Read the full memo David Solomon just sent to 38,000 Goldman Sachs employees explaining why he's moving his management team out of stuffy offices and into open seating
• Goldman Sachs CEO David Solomon and his management team are ditching their stuffy offices and moving to an open floor plan closer to the people so they can feel the buzz of New York headquarters
• Goldman Sachs just unveiled a new gender pronouns initiative as part of a broader inclusion push at the Wall Street firm
• Read the memo Goldman Sachs just sent to its employees unveiling a new pronouns initiative

Coronavirus response

• Inside a 38,000-person remote work rollout at Goldman Sachs: sleepless nights, assembly lines, and an Amazon-like hub on a Manhattan trading floor
• How a massive New York hospital secured 130,000 N95 masks from China with help from a senior partner at Goldman Sachs, private jets, and a call to Warren Buffett
• Goldman Sachs CEO David Solomon just sent a firm-wide voicemail about the coronavirus crisis. Here's what he told employees.
• Goldman Sachs and Bank of America just updated their WFH policies — again. Here's what they're telling employees about the latest steps aimed at combating the spread of coronavirus.
• Read the full memo Goldman Sachs top brass just sent detailing the firm's coronavirus contingency plans, including separating employees into 'blue' and 'white' teams to alternate working from the office and home

Consumer push, transaction banking, wealth management

• Goldman Sachs just announced its first partnership for transaction banking as it looks to build a new $1 billion business moving money around the world
• Goldman Sachs is sending much less mail to potential Marcus customers. A senior exec lays out the reason why.
• A Goldman Sachs exec explains why the bank isn't sweating concerns over the Apple Card's profitability
• A Wall Street firm crunched the numbers around how much Apple will make from its new credit card with Goldman Sachs
• Here's why Goldman Sachs just did its biggest deal in nearly 20 years as part of a pivot to less wealthy clients
• Goldman Sachs execs are opening up about their plans for Marcus, and they think it can do to banking what iTunes did to the music industry
• Goldman Sachs' partnership with Apple could move it a step closer to being 'a bank branch in your pocket'
• Human resources is the next battleground for Wall Street wealth advisers as Morgan Stanley and Goldman Sachs jockey over new turf
• Goldman Sachs has a novel method for predicting the next economic slump, and it's at the heart of its hot new business

Technology

• JPMorgan and Goldman Sachs are finally beginning to embrace fintech startups. Here's how they test the waters before committing to working with them.
• We talked to the execs behind Bloomberg's new data partnership with Goldman Sachs. Here's why they think it's a sign of Wall Street's future.
• Goldman Sachs is putting its own Marquee app on Amazon's cloud in a pitch to lure more fintech developers
• Goldman Sachs is embracing open-source code and its chief data officer says it's part of a "new world" of software
• Read the memo the new Goldman tech chief sent to the firm's 9,000-plus engineers where he urges them to ditch presentations in favor of Amazon's famous narratives
• A new Goldman Sachs tech exec hired from Amazon is taking a page from the Jeff Bezos playbook by urging engineers to ditch PowerPoint and write memos
• Goldman Sachs' new CTO shares his strategy for attracting outside developers to work more closely with the bank, giving a glimpse into the future of how Wall Street will work
• A Verizon executive is joining Goldman Sachs as chief technology officer as the Wall Street bank reshuffles its ranks
• Marty Chavez is retiring from Goldman Sachs. We chatted with him about the bank's tech transformation, why now is the right time for him to step down, and what he's planning next.
• Goldman Sachs tech guru Marty Chavez is retiring from the bank
• Goldman Sachs' CEO just warned that the bank's big tech bets might not pay off as quickly as people hope
• Goldman Sachs is scrapping a homegrown email app it once touted — and it's a sign the bank is moving away from building tech in house
• Goldman Sachs is exploring plans to create a Netflix for data, and it marks a new frontier for Wall Street
• Goldman Sachs' internal idea factory hatched a plan for the Google of Wall Street, and it's now looking for the next big thing to disrupt the bank
• Goldman Sachs' big bet on the future of Wall Street had a rocky start. Here's the inside story of the bank's struggle to grow its next business and an exclusive look at its plans

Trading

• Bank of America is shaking up its global markets division and poached a Goldman Sachs exec to fill a key new role
• Goldman Sachs' massive quant business now rivals AQR and Two Sigma. We talked to the bank's top quant about asset growth, finding data sources, and why critics of computerized trading are wrong.
• Goldman Sachs' CEO tells us the bank is winning over quant clients. That helped it outpace rivals like JPMorgan last quarter.
• Goldman Sachs is cutting about 5% of sales and trading staff after senior equities leaders delivered a tough town-hall talk
• Goldman Sachs is moving away from a tool championed by its former CFO as it pushes its traders to see clients where they once saw quick wins
• Goldman Sachs is shuffling its top stock trading executives as the business tries to claw back market share from Morgan Stanley and JPMorgan
• Goldman Sachs's bond trading unit is still trying to find its way — and it represents a key challenge for new CEO David Solomon

Alternatives

• Read the full memo Goldman Sachs just sent naming 4 execs to lead its private-equity investments across the merchant-banking division
• Goldman Sachs is making targeted hires for a 'storefront' for alternative investments that's modeled after firms like KKR and Blackstone
• Goldman Sachs' push into private equity is ruffling feathers at Blackstone — and it might be a sign of big client skirmishes to come
• Goldman Sachs execs are jockeying for control of the firm's lucrative private investing units after a plan to merge it — and the stakes couldn't be higher
• Meet the Goldman Sachs execs tasked with building the firms' new Blackstone-esque private-investing unit — and pumping up the bank's flagging stock price
• 'It's good to be Rich': Meet the Goldman Sachs banker who has built a private investing empire that goes head-to-head with Blackstone — and you've probably never heard of him
• Goldman Sachs is considering a shakeup of its alternative investing units as part of a plan to simplify the bank's strategy

Deals

• Goldman Sachs is assembling a team of senior bankers focused on middle-market private equity. Here are the key hires and the playbook they'll use to land new clients.
• Goldman Sachs unloaded some of its WeWork shares before its investment bankers pitched investors on what it once considered a $60 billion-plus IPO
• Goldman Sachs just revealed it sold part of its Uber stake to SoftBank and it helped boost a $4.5 billion business
• A senior Goldman Sachs fintech banker was about to join JPMorgan — but then got lured back —and it's another sign of the fierce battle for M&A talent
• Goldman just promoted a star tech banker close to Tesla and Microsoft to co-head one of its most profitable businesses, as incoming CEO Solomon makes his mark
• Goldman Sachs just announced a shakeup of its leadership — and it signals the rise of bankers over traders
• A tug-of-war between Goldman Sachs and JPMorgan over a top banker highlights Wall Street's $1 trillion battleground

Investor day 2020

• Inside Goldman Sachs' first investor day, where avocado toast and crab apples were served with tech talk, 3-year plans, and a surprising trading mea culpa
• Goldman Sachs just revealed a new wealth brand at its first-ever investor day. It shows how the bank is trying to reshape its strategy — and image.
• Goldman Sachs just unveiled hundreds of slides laying out the future of the company. Here are the 10 crucial slides that show how it plans to transform into a bank for everyone.
• Goldman Sachs is rethinking how it makes private-equity bets with its own money – and one analyst thinks that shift will be a big driver of its stock price

Careers 

• Goldman Sachs is now hiring high-school graduates for roles in Salt Lake City, one of the company's 'high value' locations
• Goldman Sachs has lost at least 54 partners since David Solomon became CEO. We're keeping a running list — and compiling details from insiders about how the exits are being celebrated.
• Read the full memo Goldman Sachs' top brass just sent to staff announcing 2 heads of the bank's private-investing arm are out as it's gearing up to raise billions
• 2 coheads of Goldman Sachs' private-investing business are retiring, in a blow to David Solomon's fundraising plans
• A Goldman Sachs partner who just resigned is leaving behind a job overseeing $2 billion for a London VC with a leading stake in neobank Revolut
• Read the memo announcing the departure of Adam Korn, the Goldman Sachs exec who was 'instrumental in building and championing' innovations like the bank's Marquee platform
• Another Goldman Sachs partner is out. HR chief Dane Holmes is the latest key player to leave the Wall Street bank in a matter of days.
• Goldman Sachs is offering buyouts to encourage partners to leave as CEO David Solomon works to shrink one of the most elite clubs on Wall Street
• Goldman Sachs is making renewable energy a big priority based on its hiring strategy. It's a sign that its ideas incubator is working.
• The David Solomon era at Goldman Sachs kicked off with 43 words Lloyd Blankfein would never say
• Goldman Sachs CEO David Solomon shares his best leadership advice
• Goldman Sachs is shaking up the way it stocks one of the most elite clubs on Wall Street — and it shows how banks are back to making money again
• Goldman Sachs' 1MDB problems are eating into employee morale, and insiders worry the firm will use its legal woes as an excuse to scrimp on bonuses
• Goldman Sachs is about to move dozens of jobs out of pricey New York to Utah as Wall Street turns to cheaper cities

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• Goldman Sachs just hired Kurt Hoffman, an expert in distressed situations and bankruptcy, to join a trading unit known for some of the bank's most lucrative deals
• With retailers like J. Crew and Neiman Marcus floundering, top restructuring bankers are seeing a surge in work. Here's how firms like Lazard, Evercore, and Moelis are staffing up.
• A startup that uses AI to scan Wall Street chats is flagging more people for cursing and complaining — and it could be a sign of bigger compliance issues while people work from home

AP Photo/John Minchillo

• The Ohio State University will pay $40.9 million to settle lawsuits brought by 162 men who allege a former university team doctor sexually abused them.
• An independent investigation in 2019 found that Dr. Richard Staruss sexually abused at least 177 students during his tenure from 1979 to 1997.
• The investigation found that OSU personnel had knowledge of allegations against Strauss and repeatedly failed to act.
• Strauss died by suicide in California in 2005.
• Visit Business Insider's homepage for more stories.

The Ohio State University announced on Friday it will pay out $40.9 million as part of a settlement of a combined series of lawsuits brought on by 162 men who said a team doctor who worked at the university for nearly two decades sexually abused them.

"The university of decades ago failed these individuals — our students, alumni and members of the Buckeye community," university President Michael V. Drake said in a statement. "Nothing can undo the wrongs of the past, but we must do what we can today to work toward restorative justice."

See the rest of the story at Business Insider

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Jabin Botsford/The Washington Post via Getty Images

• San Antonio City Council in Texas has unanimously voted to label terms including "Chinese virus" and "kung-fu virus" as hate speech.
• It was responding to a growth in racist and antisemitic incidents in the city, triggered by the coronavirus crisis.
• "Unfortunately, during times of crises, we do see the best of humanity and sometimes we also see the worst," said Mayor Ron Nirenberg. 
• Senator Ted Cruz called the decision "nuts," saying that the city council was "behaving like a lefty college faculty lounge." 
• It comes after Trump faced criticism for his use of the term "Chinese virus" at a White House Coronavirus Task Force press briefing.
• Visit Business Insider's homepage for more stories.

The city of San Antonio in Texas has unanimously passed a resolution condemning the use of terms such as "Chinese virus" and "kung-fu virus" as hate speech.

It also encouraged residents to report "any such antisemitic, discriminatory or racist incidents" to the relevant authorities following several incidents in the city since the pandemic began, reports San Antonio's WOAI-TV.

See the rest of the story at Business Insider

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• Russia is fast becoming a coronavirus epicenter, with health workers still reporting PPE shortages. Putin is already thinking about reopening.

Jorge Silva/Reuters

• As some countries have started to lift their lockdown measures, public places have been making changes to adapt to government-issued social distancing measures. 
• More public places are using tape, floor markers and plastic dividers to help people comply with social distancing guidelines. 
• Photos show how people are trying to adapt to a new way of life during the coronavirus pandemic.
• Visit Business Insider's homepage for more stories.

As some countries begin to lift their coronavirus lockdown measures, public places have been getting creative to adjust to social distancing guidelines.

From waiters wearing personal protective equipment to schools using plastic dividers between children, these photos show the world is adjusting to life under the coronavirus pandemic.

As countries begin to slowly lift their lockdown measures, many changes have to be made to public life in an effort to prevent second waves of COVID-19.

One of the places that have to adapt the most is restaurants. Some have been coming up with creative ways to enforce social distancing measures, including putting up dividers on tables.

But in some places, a plastic divider is not enough. Diners in this Bangkok restaurant, for example, have been asked to sit diagonally from each other to maximize their distance.

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• A West Virginia worker told us what it was like living at his factory for 28 days to help make PPE, and says he would 'absolutely' do another 'lock-in' to help
• These photos show thousands flocking to New York's parks over the weekend after Mayor de Blasio said that good weather 'is very much a threat to us'

SEE ALSO: LA's skies are smog-free and peacocks are roaming the streets of Dubai. Photos show how nature has returned to cities shut down by the coronavirus pandemic.

Matthew DeBord/Insider

• I tested a roughly $33,000 Polaris Slingshot R, a three-wheeled "autocycle."
• The three-wheeler category includes vehicles from Can-Am and Harley-Davidson, offering a motorcycle experience in a less demanding package.
• My Slingshot R had a new, Polaris-developed, 203-horsepower engine and an automatic transmission.
• In all but three US states, no motorcycle license is required to operate the Slingshot (New York, Massachusetts, and Alaska continue to require the motorcycle certification).
• The Slingshot is insanely fun, with a modest learning curve — it's a great alternative to a two-wheeler, although the price is definitely steep for the Slingshot R.
• Visit Business Insider's homepage for more stories.

Motorcycles are cool, but they aren't for everybody. Fortunately, there are some alternatives out there that offer an equally compelling, open-air experience.

One of the most popular is the the Polaris Slingshot, manufactured by the Minnesota-based powersports company. Until recently, Slingshots were available only with manual transmissions and GM-sourced engines, but for 2020, Polaris has updated the autocycle with an in-house motor and an automatic.

The automatic transmission in particular really broadens the Slingshot's potential. So I was excited to sample the machine, which I first saw about five years ago.

Polaris was kind enough to loan me a tester for a few weeks. Here's how it went:

The Polaris Slingshot is a three-wheeled autocycle/motorcycle that Polaris industries has produced since 2014. My 2020 Slingshot R tester cost about $33,000 and was outfitted in a menacing red-and-black paint job.

The cheapest Slingshot is about $20,000.

This wasn't my first crack at a Slingshot. Polaris brought the vehicle to Insider's New York offices when the vehicle first launched.

And I generally have a gander at the Slingshot when I visit the annual New York motorcycle show.

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• How Tesla's cargo capacity stacks up against other iconic front trunks in the car industry: From Ferrari, Porsche, Lamborghini, and more

FOLLOW US: On Facebook for more car and transportation content!

AP Photo/Alex Brandon

• The federal government on Saturday announced initial plans for distributing a promising coronavirus drug, remdesivir.
• The drug, manufactured by Gilead Sciences, was authorized for emergency use last week, but doctors and hospitals weren't sure how they were going to get it.
• The Department of Health and Human Services now say the drug is first being distributed to health departments in some hard-hit states, and the departments can distribute it to hospitals as they see fit. 
• Eventually, HHS expects the drug to be delivered to all 50 states, terrorities, the Veterans Health Administration and the Indian Health Service. 
• Visit Business Insider's homepage for more stories.

The federal government released its initial distribution plans today for the promising coronavirus drug, remdesivir, which was approved for emergency use last week. 

The drug, donated by manufacturer Gilead Sciences, "will be used to treat hospitalized COVID-19 patients in areas of the country hardest hit by the pandemic," the US Department of Health and Human Services' Office of the Assistant Secretary for Preparedness and Response (ASPR) said in a press release.

See the rest of the story at Business Insider

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• The coronavirus drug remdesivir was OK'd for emergency use a week ago. The plan to get it to patients is still mired in confusion.
• Dispensed: Hospitals are stuck waiting for a promising coronavirus treatment
• 'It's hard to pay off your medical school loans in this kind of a job': Doctors who can protect the world against pandemics are in short supply

Lisa Eadicicco/Business Insider

• The $400 iPhone SE stands out for its fast performance, compact design, and effective camera.
• Still, the iPhone SE is lacking some of the camera features found on similarly priced Android rivals.
• Overall, the phone is best suited for Apple loyalists upgrading from an older device like the iPhone 6S that want something affordable and familiar.
• Visit Business Insider's homepage for more stories.

Apple's iPhone SE is unlike any iPhone Apple has released in the past two years. In fact, it looks a lot more like the the iPhone you probably remember from 2017 and earlier, back when iPhones still had home buttons and smaller-sized screens.

I switched from the $1,000 iPhone 11 Pro to Apple's new iPhone SE recently, and overall I've found it to be a solid option for Apple fans looking for a cheap, portable device. The smaller and lighter size is easy to manage and operate with one hand, and Touch ID brings some convenience that Face ID can lack. 

But of course, since it's significantly cheaper than the iPhone 11 and 11 Pro, it's lacking in some areas. It doesn't have an ultra-wide-angle camera or low-light photography capabilities, for example, even though similarly priced Android devices offer some of those features.

After spending a couple of weeks with Apple's cheapest iPhone, here are my favorite (and least favorite) things about it.  

The iPhone SE runs on Apple's latest iPhone processor, which makes it feel snappy and fast.

The iPhone SE runs on Apple's A3 Bionic processor, the same chip that powers the iPhone 11 and iPhone 11 Pro. As a result, the iPhone SE feels snappy and fast in daily use.

I found this to be especially true when switching from my old iPhone 8 to the SE. In most cases, it was able to launch apps, render 4K video clips, and find surfaces more quickly in augmented reality than Apple's more-than-two-year-old iPhone 8.

That being said, the iPhone SE is pretty similar to the iPhone 8 in just about every other way, save for a few exceptions. It's best suited for those upgrading from an iPhone 7 or older. 

The A13 Bionic is the major advantage the iPhone SE has over similarly-priced Android phones, many of which may offer more sophisticated cameras but run on less powerful processors. 

It's small and compact, which means it's easier to use with one hand and fit into pockets.

The iPhone SE is the most compact iPhone Apple has released in years. It has a 4.7-inch screen just like the iPhone 8, and weighs noticeably less than the iPhone 11 and 11 Pro.

The iPhone SE weighs 5.22 ounces, while the iPhone 11 weighs 6.84 ounces and the iPhone 11 Pro weighs 6.63 ounces. 

It's also the only iPhone Apple sells that comes with a Touch ID home button.

Although I've grown accustomed to swiping up from the home screen to return home and unlocking my phone just by looking at it, I've really appreciated having Touch ID again.

Apple's fingerprint sensor sometimes works a bit faster than Face ID in my experience when unlocking my phone. And since Face ID works best when held directly in front of your face, I often have to physically pick up my phone to unlock it when using the iPhone 11 Pro. 

With the iPhone SE, by comparison, I can unlock my phone just by resting a finger on the home button without having to move the device. It's a small convenience, but one that I've come to appreciate.

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SEE ALSO: Apple is expected to release a new Apple Watch this fall — here are the features we want to see

Digital transformation has just begun.

Not a single industry is safe from the unstoppable wave of digitization that is sweeping through finance, retail, healthcare, and more.

In 2020, we expect to see even more transformative developments that will change our businesses, careers, and lives.

See the rest of the story at Business Insider

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Reuters

• House lawmakers on Friday demanded five large, publicly traded companies return the $10 million loans they received that were meant for small businesses. 
• Only one company, MiMedx, said it would return the $10 million Paycheck Protection Program loans.
• Just 48 public companies of the 387 that received PPP loans have returned the money. 
• Visit Business Insider's homepage for more stories.

US representatives blasted five publicly traded companies for taking Paycheck Protection Program loans means for small businesses, leading at least one to return the money.

The House subcommittee on the coronavirus crisis sent letters] to MiMedx, Quantum, EVO Transportation & Energy Services, Gulf Island Fabrication, Universal Stainless, and Alloy Products on Friday demanding they return loans received from the treasury. MiMedx said late Friday it was repaying its $10 million loan.

See the rest of the story at Business Insider

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Aaron Lavinsky/Star Tribune via Getty Images

• Diagnostic or polymerase chain reaction (PCR) tests are currently being used to diagnose patients with COVID-19.
  
  
• Antibody tests allow for more accurate tracking of the spread of the coronavirus. People who test positive for coronavirus antibodies can also donate plasma.
• Antigen testing is not on the market yet, but Massachusetts-based E25Bio is among several companies seeking FDA approval for at-home test kits.
• Visit Business Insider's homepage for more stories.

With new information released all the time, it can be difficult to keep track of how doctors are testing for the coronavirus. 

While identifying and treating infected patients is critical, some tests add to our greater understanding of the pandemic's size, impact, and direction. Here is a breakdown of the differences between diagnostic, antibody, and antigen testing.

See the rest of the story at Business Insider

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Lisa Larkin MD & Associates

• Ultrawealthy and sometimes asymptomatic Americans are using concierge doctors to access COVID-19 tests amid a nationwide shortage.
• The doctors, whose monthly fees can range up to $10,000 a month and don't accept insurance, can offer coronavirus antibody test results in as little as two hours; results for the general public can take days.
• Even some concierge doctors question the ethics of offering tests to their wealthy clientele that aren't available to the general public.
• Both concierge doctors and their clients told Business Insider that America's health care system is dysfunctional, and that patients are healthier operating outside it.
• Visit Business Insider's homepage for more stories.

Jamie Gerdsen, the 46-year-old CEO of Cincinnati-based construction company Apollo Home, wanted his 200 employees to know how seriously he was taking the coronavirus pandemic. To prove it, he decided to get tested in April. 

For Gerdsen, the process was simple. All he had to do was call his doctor, set up an appointment time for him and his wife, and get to his doctor's drive-through testing center. At the center, they showed their IDs, answered a few questions, and got their fingers pricked, all without getting out of their car. The results came into Gerdsen's email inbox two hours later. 

See the rest of the story at Business Insider

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• Airbnb has laid off 25% of its staff. Meet CEO Brian Chesky, who cofounded the company in 2008 to help pay his San Francisco apartment's rent and is now worth $4.1 billion.
• Here's how the 1% are getting their booze during the pandemic, from wine concierge services to online premium liquor retailers that sell $10,000 bottles of whiskey
• Elon Musk and Grimes just welcomed their baby boy. Here's how the eccentric CEO makes and spends his $38.2 billion fortune.

SEE ALSO: 

DON'T MISS: 

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• New York Governor Andrew Cuomo on Saturday said at least three children have died in New York from a rare condition that's being linked to the coronavirus.
• The illness, called "pediatric multisystem inflammatory syndrome" has symptoms similar to the Kawasaki disease and toxic-shock syndrome, including fever, rash, stomach pain, diarrhea, and vomiting.
• Children in at least six European countries have also come down with similar symptoms recently.
• Visit Business Insider's homepage for more stories.

Three children who had COVID-19 in New York are dead, after they developed rare heart issues that may be linked to the novel coronavirus. 

"The illness has taken the lives of three young New Yorkers," Governor Cuomo said at a news conference on Saturday. All three kids were under 10 years old. 

See the rest of the story at Business Insider

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• The US military is barring anyone who was hospitalized due to COVID-19 from enlisting
• Almost 12,000 meatpacking and food plant workers have reportedly contracted COVID-19. At least 48 have died.
• New York's coronavirus outbreak was a 'primary gateway' for the disease's spread around the US, a researcher says

Reuters

• Elon Musk says Tesla may leave its Palo Alto headquarters and Fremont, California factory. 
• In a tweet Saturday morning, the chief executive continued his outrage against shelter-in-place orders that have forced most non-essential businesses to close. 
• Last week, Musk likened the rules to fascism, and urged leaders to "give people their goddamn freedom back." 
• Visit Business Insider's homepage for more stories.

After a week of decrying coronavirus shelter-in-place orders that have left Tesla's main factory shuttered and unable to produce vehicles, Elon Musk says the company may move its factory out of the state.

"Tesla is filing a lawsuit against Alameda County immediately," the chief executive said on Twitter Saturday morning. "The unelected & ignorant 'Interim Health Officer' of Alameda is acting contrary to the Governor, the President, our Constitutional freedoms & just plain common sense!"

See the rest of the story at Business Insider

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• Tesla has secured a $565 million loan for its factory in Shanghai where the company just halted operations
• Elon Musk and Grimes gave their baby an unusual name with multiple hidden meanings, and it may have a hidden connection to the X-Men
• Watch Elon Musk pronounce his baby's name, which he says Grimes mostly picked out

Vachira Vachira/NurPhoto via Getty Images

• The White House reportedly plans to go ahead with a plan to institute temperature screenings at 20 US airports in order to instill confidence that air travel is safe, according to USA Today.
• According to leaked emails, a top CDC official said that such a strategy was ineffective and asked that the agency be excluded from the plan.
• Temperature checks do not account for asymptomatic COVID-19 cases, pre-symptomatic cases, or people with COVID-19 who do not have a fever.
• The report comes one day after an Associated Press report found that the White House had buried CDC guidance for re-opening businesses, schools, and churches.
• Visit Business Insider's homepage for more stories.

The Trump administration reportedly ignored guidance from the Centers for Disease Control and Prevention over temperature screenings at airports and plans to go ahead with them, even though they were ineffective in initially preventing the spread of COVID-19 in the US.

The move, which would require temperature screenings at 20 US airports, was detailed in leaked documents reported by USA Today on Saturday. In an email to officials at the Department of Homeland Security, Dr. Martin Cetron, the director of global mitigation and quarantine at the CDC had argued "thermal scanning as proposed is a poorly designed control and detention strategy as we have learned very clearly." 

See the rest of the story at Business Insider

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• A French doctor says a sample shows the country had its first coronavirus case in December, a month earlier than previously thought
• The coronavirus could kill 3,000 Americans per day by June 1, according to leaked projections from the Trump administration
• Oklahoma city immediately dropped its face mask order after residents threatened violence against employees who were enforcing the rule

Netflix

• This week's most popular movies on Netflix include its original thriller "Dangerous Lies" and "Den of Thieves."
• Netflix introduced daily top lists of the most popular titles on the service in February.
• Streaming search engine Reelgood keeps track of the lists and provides Business Insider with a rundown of the week's most popular movies on Netflix every Friday.
• Visit Business Insider's homepage for more stories.

The Netflix action movie "Extraction" is pacing to be the streaming giant's biggest movie premiere ever, but it was dethroned this week as the service's most popular movie. Another Netflix original, "Dangerous Lies," stole the crown.

Netflix introduced daily top 10 lists of its most viewed movies and TV shows in February (it counts a view if an account watches at least two minutes of a title).

Every week, the streaming search engine Reelgood compiles for Business Insider a list of which movies have been most prominent on Netflix's daily lists that week. On Reelgood, users can browse Netflix's entire movie library and sort by IMDb or Rotten Tomatoes ratings.

This week's list also includes "Den of Thieves," another movie starring Gerard Butler after his "Angel Has Fallen" enjoyed a few weeks on the list.

But the real winner this week is Netflix itself, as five of the seven movies on the list are Netflix originals. 

7. "The Willoughbys" (2020 — Netflix original)

Netflix description: "Four siblings with horribly selfish parents hatch a plan to get rid of them for good and form a perfectly imperfect family of their own."

Rotten Tomatoes critic score: 89%

What critics said: "Though the film-makers are indebted to Edward Gorey and Lemony Snicket — and pay musical homage to Mark Mothersbaugh's work on The Royal Tenenbaums — they find their own voice, when it counts." — London Evening Standard

6. "Murder to Mercy: The Cyntoia Brown Story" (2020 — Netflix original)

Netflix description: "After 16-year-old Cyntoia Brown is sentenced to life in prison, questions about her past, physiology and the law itself call her guilt into question."

Rotten Tomatoes critic score: 75%

What critics said: "A moving reflection of what criminal justice reform means in personal terms." — New York Times

5. "Arctic Dogs" (2019)

Netflix description: "When he stumbles upon evil Otto Von Walrus's scheme to melt the Arctic, ambitious delivery fox Swifty assembles a ragtag crew to protect the planet."

Rotten Tomatoes critic score: 13%

What critics said: "There's really not much to recommend about this film: the animation lacks texture, the score is overwrought, the plotting is scattershot, and the character design is uninspired." — AV Club

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• Nicolas Cage will play Joe Exotic of 'Tiger King' in a scripted TV series
• The top 5 TV shows returning in May, from 'Homecoming' to 'Dead to Me'

SEE ALSO: Insiders say major questions hang over DC Universe as its parent company prepares to launch Netflix rival HBO Max

Business Insider Intelligence

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The power dynamics in the payments industry are changing as businesses and consumers shift dollars from cash and checks to digital payment methods. Cards dominate the in-store retail channel, but mobile wallets like Apple Pay are seeing a rapid uptick in usage.

At the same time, e-commerce will chip away at brick-and-mortar retail as smartphones attract a rising share of digital shopping. Digital peer-to-peer (P2P) apps are supplanting cash in the day-to-day lives of users across generations as they become more appealing and useful than ever.

See the rest of the story at Business Insider

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• Xinja cut its Stash high-yield savings account rate, likely attempting to weather the current crisis
• PayPal's slowdown began to improve in April as stay-at-home orders tick up e-commerce usage
• Jobs for thousands of young consultants are being upended. From delaying start dates to cutting internships, here's what 8 top firms, like Deloitte and McKinsey, are doing.

In the US, store closures are at an all-time high. 

Business Insider Intelligence

With 88% of total sales, brick-and-mortar is still the dominant driver of retail spend in the country, but in-store earnings aren't growing fast enough to keep the doors open.

See the rest of the story at Business Insider

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• The best Showtime TV shows of the last decade — and the worst
• Amazon's ad business looks strong despite the pandemic
• Amazon posts highest e-commerce growth in over three years

Scott Halleran/Getty Images

• College sports won't return this fall if colleges remain closed, the NCAA president Mark Emmert said in an interview May 8. 
• While if, how, and when schools reopen remains to be seen and will surely vary across campuses, the goal is keeping students, including student-athletes, safe. 
• It will be a "very unusual school year," Emmert said, and the NCAA will need to adapt accordingly.  
• Visit Business Insider's homepage for more stories.

No one knows for sure what college campuses will look like in fall 2020, but it's clear students won't be kicking off their higher education in large auditoriums for convocation, initiating brothers at fraternity parties, or flirting with dormmates in mess hall buffet lines. 

Now, there's a good chance many won't be cheering for their sports teams — even remotely — either, NCAA presient Mark Emmert said in an interview with NCAA's college basketball correspondent Andy Katz May 8.  

See the rest of the story at Business Insider

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• Fox News hosts Jeanine Pirro and Brian Kilmeade received priority treatment for PPE requests from Kushner's coronavirus team, according to a new report
• The White House hopes Americans will suddenly stop dying of coronavirus
• NY Gov. Cuomo picks daughter Mariah as 'informal advisor' for coronavirus mask wearing campaign

More contractors go bankrupt due to cash flow than they do because of profitability. Given the unprecedented events of COVID-19, the construction industry is particularly prone to major cash flow issues that could easily bankrupt your business. During this webinar session we will address critical cash flow considerations. This webinar is co-hosted by NECA and the Construction Financial Management Association (CFMA). The presenter is Michael McLin, Managing Director at Maxim Consulting Group responsible for leading several service line teams within the firm.

The U.S. Department of Labor's Occupational Safety and Health Administration (OSHA) has issued interim enforcement guidance to help combat supply shortages of disposable N95 facepiece respirators (N95 FFRs). This is the latest step to ensure availability of respirators. More information at the USDOL website.

During these unprecedented times, a positive outlook can help us maintain personal and professional duties. NECA has launched a schedule of webinars and more than 100 online educational courses.

This Small Entity Compliance Guide (SECG) is intended to help small businesses comply with the Occupational Safety and Health Administration’s (OSHA) Respiratory Protection standard (63 FR 1152; January 8, 1998). OSHA’s goal for this document is to provide small entities with a comprehensive step-by-step guide complete with checklists and commonly asked questions that will aid both employees and employers in small businesses with a better understanding of OSHA’s respiratory protection standard.

NECA is pleased to report that the U.S. Treasury Department released new guidance on April 7, 2020, clarifying that companies with under 500 employees do qualify for loans under the new Paycheck Protection Program (PPP). This change comes after association staff raised concerns with Congressional leaders and officials at the Small Business Administration and the Department of Treasury.

Meeting planning in the face of COVID-19 can be very stressful. None of us are in control and no one can predict what is going to happen moving forward. The most important thing is to be patient. Do not make rash decisions, weigh all of your options and contact NECA National Staff if you need absolutely anything. If you can, try and look at meetings 30 days at a time because the news is changing daily and this can make a difference with your contract clauses.

Due to the cross-contamination challenges impacting our industry caused by COVID-19, Enespro has updated our Care and Maintenance Guidelines for Electrical PPE, incorporating important CDC guidelines and references to ASTM F496.

With many construction sites remaining operational during the COVID-19 pandemic, it is extremely important to maintain compliance with all social distancing guidelines and requirements. NECA developed recommendations that are specific to construction projects that continue to be operational. While these are fairly comprehensive, they are not all-inclusive. The needs of each site can vary. State or other local requirements can be more restrictive and would take precedent.

NECA is excited to announce the launch of the NECA Educational Advancement Resource Network (EARN), an initiative designed to facilitate relationships and learning between individuals in electrical construction firms and institutions of higher education.

The Penn-Del-Jersey Chapter, NECA has donated to 20 health care facilities, systems, or foundations throughout Pennsylvania and Delaware to fight the COVID-19 pandemic.

The U.S. General Services Administration has issued an order to accept e-signatures for surety bonds to allow infrastructure projects to move forward.

The U.S. Department of Labor’s Occupational Safety and Health Administration (OSHA) today announced an interim enforcement response plan for the coronavirus pandemic. The response plan provides instructions and guidance to OSHA Area Offices and compliance safety and health officers (CSHOs) for handling coronavirus-related complaints, referrals, and severe illness reports.

The Chief Executive Officer of the National Electrical Contractors Association, David Long, issued a statement on being named to the Great American Economic Revival Industry Group for Construction/Labor/Workforce.

NECA has developed safety videos for the electrical industry and encourages members and contractors to use these as educational resources.

Check out NECA Safety Orientation, NECA Job Briefings and NECA Safety Lockout/Tagout online here.

The recipients of the 2020 Recognition of Achievement in Safety Excellence and Recognition of Achievement in Zero Injury programs will be posted on the NECA Recognition of Safety Achievement Program website in the near future. There were 159 Recognition of Achievement in Safety Excellence and 90 Recognition of Achievement in Zero Injury winners for 2020. These recipients will each receive plaques commemorating their accomplishment and be recognized during a session at the 10th Annual NSPC in Chicago, IL later this year. Thank you to all the companies that submitted their applications and continue to strive for Safety Excellence and Zero Injuries in the Electrical Industry.

NECA and NECA Safety have been monitoring federal, state, and local information relating to the nationwide COVID-19 pandemic. In addition to working with the IBEW on a National Disease Emergency Response Agreement (NDERA), NECA Safety has developed numerous safety talks, resources, and safety program templates to assist members in overall safety responsibilities during this time of emergency.

Visit online for resources and more information from international and federal agencies responding to this crisis.

Now October 5-7, 2020 in Chicago, IL

NECA has made the difficult decision based on the nationwide COVID-19 pandemic to postpone the 10th Annual NECA Safety Professionals Conference (NSPC), originally scheduled to take place in May in Scottsdale, AZ. Instead, the conference will run concurrent with the NECA Convention and Trade Show in Chicago, IL, on October 5-7, 2020. Much of the original lineup and all the general sessions remains on the agenda. Please make plans to attend this 10th Annual Celebration of the NSPC. Visit https://www.necasafetyconference.com/ for up to date information. 

NECA is sponsoring a safety stand down on April 29 to recognize the many electricians and utility workers have been deemed essential workers during the COVID-19 pandemic, and continue to go to work each day and make sacrifices to better our country.  Take part and share a note or photo with #NECASafety, and on NECA’s LinkedIn and Facebook accounts. Please share the number of workers who participated with safety@necanet.org so we can feature this in the future. Material for your safety stand down can be found below at the NECA Coronavirus Resource Center.   

In light of the coronavirus disease 2019 (COVID-19) pandemic, OSHA understands that some employers may face difficulties complying with OSHA standards due to the ongoing health emergency. Business closures and other restrictions and limitations may also preclude employee participation in training even when trainers are available. In other situations, access to medical testing facilities may be limited or suspended.

With approvals from 33 states, these on-demand code classes are available for 50% off for a limited time. Register by April 26th to take advantage of this special offer.