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COVID-19 Resources and Information
If constituents have any questions or concerns related to the CARES Act, please reach out to our office here.
Click here for CDC guidance and prevention methods
According to the IRS, some stimulus payments are being sent to individuals by prepaid debit card. The cards arrive in a plain envelope from "Money Network Cardholder Services". Learn more here.
Quick Links:
For a top-line overview of the U.S. Treasury Payment Protection Program CLICK HERE
If you're a lender, more information can be found HERE
If you're a borrower, more information can be found HERE
The application for borrowers can be found HERE
Click here for the Paycheck Protection Program Interim Final Rule from the SBA
Click here for more Frequently Asked Questions (FAQ's) About the Paycheck Protection Program
Farmers: Learn more about applying for CFAP funding here.
IRS Coronavirus Resources, Information, and Updates
Visit this IRS web portal if you are not required to file tax returns to make sure you receive your payment!
The Coronavirus Aid, Relief, and Economic Security Act:
- Provides direct tax rebate checks for individuals and families, based on 2018 tax return
- Payment is $1,200 for individuals, $2,400 for couples, and $500 for each child
- Payment is available for anyone who falls at or below an income threshold of $75,000 for individuals, $112,500 for heads of households, and $150,000 for those filing jointly
- Checks will be distributed either by direct deposit or U.S. mail within days
Frequently Asked Questions (FAQs) for Individuals and Families:
Q: How large will the checks be?
A: It depends on your income. Individuals with an adjusted gross income of $75,000 or less will get the full amount of $1,200. Married couples with no children earning $150,000 or less will receive a total of $2,400. The amount will be increased by $500 for each child under the age of 17. Taxpayers filing as head of household will get the full payment if they earned $112,500 or less. Above those income figures, the payment decreases until it stops altogether for single people earning $99,000 or married people who have no children and earn $198,000. According to the Senate Finance Committee, a family with two children will no longer be eligible for any payments if its income surpassed $218,000. You can't get a payment if someone claims you as a dependent, even if you're an adult. In any given family and in most instances, everyone must have a valid Social Security number in order to be eligible. There is an exception for members of the military. You can find your adjusted gross income on Line 8b of the 2019 1040 federal tax return.
Q: Will I have to apply to receive a payment?
A: No. The payments will be automatic for individuals who qualify based on either their 2018 or 2019 tax return or their Social Security Benefit Statement. However, those who have not filed a tax return in either 2018 or 2019 should consider filing their 2019 return to ensure their income is on file and they are eligible to receive a payment. If the Internal Revenue Service already has your bank account information because you opted to use direct deposit to receive your tax refund, it will transfer the payment to you via direct deposit. All others who did not opt to use this function should expect to receive the check in the mail.
Q: What year's income should I be looking at?
A: The amount you receive is based on your 2019 tax returns, however, those who have not yet filed a tax return this year will receive a payment based off their 2018 return.
Q: What if my recent income made me ineligible, but I anticipate being eligible because of a loss of income in 2020? Do I get a payment?
A: If you are ineligible based on the income in your 2019 tax return, you will not receive the payment immediately even if you expect a loss of income in 2020. However, you may become eligible once you file your 2020 taxes, since the payment is technically an advance on a tax credit that is available for the entire year. If your income falls below the applicable threshold in 2020, you will see the payment added towards your 2020 tax refund.
Q: When will the payment arrive?
A: Treasury Secretary Steven Mnuchin said he expected most people to get their payments within three weeks.
Q: Will eligible unemployed people get these stimulus checks?
A: Yes. If you are unemployed you will be eligible to receive a stimulus payment. These recipients follow the same guidelines as every other person when determining the amount (see question 1).
Q: If I do not file income taxes will I receive a check?
A: Since the IRS will determine eligibility based on your income, if you have not filed a tax return for either 2018 or 2019 and do not receive Social Security or disability benefits, you are encouraged to file your 2019 taxes even if you did not report any income to ensure you receive a check.
Q: Is there any relief for renters in the bill?
A: Yes. The bill puts a temporary, nationwide eviction moratorium in place for any renters whose landlords have mortgages backed or owned by Fannie Mae, Freddie Mac and other federal entities. This will last for 120 days after the bill passes, and landlords also cannot charge any fees or penalties for nonpayment of rent.
Q: Will retirees and those on Social Security, including couples who make less than 150k on Social Security, be eligible for stimulus checks and how much?
A: Yes. Those who receive Social Security retirement or disability benefits but do not file a tax return will also receive stimulus checks. The IRS will use SSA-1099 information from the Social Security Administration to identify seniors and individuals with disabilities who are eligible but may not file taxes. These recipients follow the same guidelines as every other person when determining the amount (see question 1).
Q: Will there be expanded sick time and leave under the stimulus bill?
A: The Families First Coronavirus Response Act, which was signed into law on March 18, temporarily expands the availability of paid sick leave and family leave to more employees who have been impacted by COVID-19. Specifically, most employers with fewer than 500 employees will be required to provide up to two weeks of paid sick leave to employees who are unable to work because they are experiencing symptoms of COVID-19 and seeking a diagnosis, are quarantined pursuant to the advice of a healthcare provider or a federal, state, or local government order, or are caring for a child whose school or child care provider is closed because of COVID-19. Additionally, employees may be eligible for up to another 10 weeks of paid family and medical leave if they remain unable to work due to the need to care for a child whose school or child care provider remains closed. Employers required to provide paid leave under this law will receive a dollar-for-dollar reimbursement through advanced payroll tax credits, while small businesses with fewer than 50 employees may qualify for certain exemptions to these requirements.
Q: If you pay child support and owe payment, will that stimulus check go directly to your counterpart or to you first?
A: If you are behind on child support payments and this has been reported by the state to the Treasury Department, the amount of your stimulus check may be reduced. In this case, the offset will follow normal IRS procedures and the funding will be transmitted through the state child support agency.
Q: Who will be covered by the expanded Unemployment Benefits program?
A: The program will include far more workers than are usually eligible for unemployment benefits, including self-employed people and part-time workers. Those who are unemployed, are partly unemployed or cannot work for a wide variety of coronavirus-related reasons may now be eligible to receive benefits and can apply though the state Unemployment Insurance system.
Q: Are gig workers, freelancers and independent contractors covered by the Unemployment Benefits program?
A: Yes, sole-proprietors, independent contractors, and the self-employed are temporarily eligible for unemployment benefits. Benefit amounts will be calculated based on previous income, using a formula from the Disaster Unemployment Assistance program. Self-employed workers will also be eligible for the additional weekly benefit of up to $600 provided by the federal government.
Visit this IRS web portal if you are not required to file tax returns to make sure you receive your payment!
- Provides working capital to keep operations running and people employed
- Existing SBA lenders as well as new lenders will be offering these loans to eligible small businesses, putting money in the hands of the businesses faster
- New Loans are eligible for forgiveness if the business maintains payroll continuity from February 15th, 2020 through June 30th, 2020.
- Qualifying small businesses with 500 employees or less may use loan funds to cover additional costs like healthcare benefits, paid sick or family leave, insurance premiums, and employee salaries
- Increases the maximum loan amount for "Express Loans", which have a turnaround time of 36 hours, from $350,000 to $1,000,000
Frequently Asked Questions (FAQs) for Small Businesses:
Q: Where can I apply for the Paycheck Protection Program?
A: You can apply for the Paycheck Protection Program at any institution that is approved to participate in the program through the existing U.S. Small Business Administration 7(a) lending program and additional lenders approved by the Department of Treasury. This includes local community banks, credit unions, and other financial institutions.
Q: Do I have to go through the SBA to receive these loans?
A: No. All lenders participating in the Payment Protection Program, including banks, credit unions, and other financial institutions will be moved to delegate authority which allows lenders to process loans quickly. We encourage businesses interested in applying for this program to reach out their local community banks or credit unions immediately to see if they qualify.
Q: Who is eligible for the loan?
A: Small businesses that employ 500 employees or fewer, 501(c)(3) nonprofits, 501(c)(19) veteran organizations, sole-proprietors, independent contractors, tribal businesses, and other eligible self-employed individuals are eligible for this loan. In addition, if you are a restaurant, hotel, or a business that falls within the North American Industry Classification System code 72, "Accommodation and Food Services" and each of your locations has 500 employees or fewer, you are eligible. Independently owned franchises with under 500 employees, who are approved by SBA, are also eligible.
Q: Are small business concerns (as defined in section 3 of the Small Business Act, 15 U.S.C. 632) required to have 500 or fewer employees to be eligible borrowers in the PPP?
A: No. Small business concerns can be eligible borrowers even if they have more than 500 employees, as long as they satisfy the existing statutory and regulatory definition of a "small business concern" under section 3 of the Small Business Act, 15 U.S.C. 632. A business can qualify if it meets the SBA employee-based or revenue based size standard corresponding to its primary industry. Go to www.sba.gov/size for the industry size standards.
Additionally, a business can qualify for the Paycheck Protection Program as a small business concern if it met both tests in SBA's "alternative size standard" as of March 27, 2020: (1) maximum tangible net worth of the business is not more than $15 million; and (2) the average net income after Federal income taxes (excluding any carry-over losses) of the business for the two full fiscal years before the date of the application is not more than $5 million. A business that qualifies as a small business concern under section 3 of the Small Business Act, 15 U.S.C. 632, may truthfully attest to its eligibility for PPP loans on the Borrower Application Form, unless otherwise ineligible.
Q: Are non-profits, chambers, physician practices, eligible for 7(a) loans?
A: 501(c)3 non-profits are eligible. No other 501(c) organizations are eligible, including chambers structured as 501(c)6s. Physician practices are eligible, no matter how they are structured.
Q: What is the maximum amount I can borrow?
A: Eligible businesses will be able to receive a loan in an amount equal to the lesser of $10 million or 2.5x the average monthly payroll based on the prior year's payroll. This program provides 100% federally-guaranteed loans for 8 weeks of assistance to cover payroll expenses and additional amounts for making payments towards debt obligations.
Q: I own a seasonal small business. How will this program work for me?
A: Seasonal small businesses are eligible to receive a loan and forgiveness through the Paycheck Protection Program just like other small businesses. While the maximum loan amount is generally based on average monthly payroll from the prior year, for seasonal businesses it will be based on average monthly payroll for the 12-week period beginning February 15, 2019, or at the election of the seasonal business, the period from March 1, 2019 to June 30, 2019.
Q: My small business is a seasonal business whose activity increases from April to June. Considering activity from that period would be a more accurate reflection of my business's operations. However, my small business was not fully ramped up on February 15, 2020. Am I still eligible?
A: In evaluating a borrower's eligibility, a lender may consider whether a seasonal borrower was in operation on February 15, 2020 or for an 8-week period between February 15, 2019 and June 30, 2019.
Q: How can I use the money such that the loan will be forgiven?
A: Loans can be forgiven when used for payroll costs, interest on mortgage obligations, rent, and utilities. Payroll costs include employee salaries (up to a $100,000 annual rate), hourly wages and cash tips, paid sick or medical leave, and group health insurance premiums. If you would like to use this program for other business-related expenses, like inventory, you can, but that portion of the loan will not be forgiven. The loan is forgiven at the end of the 8-week period after you take out the loan. Borrowers will work with lenders to verify covered expenses and the proper amount of forgiveness.
Q: What is the covered period of the loan?
A: The covered period during which expenses can be forgiven extends from February 15, 2020, to June 30, 2020. Borrowers can choose which 8 weeks they want to count towards the covered period.
Q: How much of my loan will be forgiven?
A: 100% of the loan will be forgiven if the business uses the loan to maintain payroll continuity from Feb. 15, 2020 through June 30, 2020. The amount forgiven will be reduced proportionally by any reduction in employees retained compared to the prior year.
Q: Can small businesses can hire back previously fired employees and still have the loans forgiven? If so, what is the hire-back date?
A: Yes. There is flexibility in the program to allow businesses to hire new, or returning employees, by June 30, 2020, and still qualify under the headcount requirements.
Q: What are the interest rate and terms for the loan amount that is not forgiven?
A: The SBA would guarantee 100% of Loans provided at a 4% interest rate. You will not have to pay any fees on the loan, and collateral requirements and personal guarantees are waived. Loan payments will be deferred for at least six months and up to one year starting at the origination of the loan.
Q: What does this bill do to provide relief for rural communities and farmers?
A: The bill includes a number of small business provisions designed to help farmers stay in business and take care of their employees during this difficult time. These include provisions that allow farmers to work with their trusted farm credit institutions for the purposes of securing payroll tax loans, along with 1-year deferrals, 100% guarantees, and low rates. The bill provides $14 billion for the Commodity Credit Corporation (CCC), the funding mechanism for all major USDA programs. It also appropriates an additional $9.5 billion to specifically respond to losses due to COVID-19. Additional funding is provided for USDA agencies that are on the front lines of responding to COVID-19, including the Food Safety Inspection Service (FSIS), the Animal and Plant Health Inspection Service (APHIS), and the Farm Service Agency (FSA). The bill also includes $100 million to provide financing for rural broadband through the ReConnect program, and $25 million for the Distance Learning and Telemedicine program to provide grants for equipment and connectivity improvements.
Q: Are farmers eligible for any of the SBA loans?
A: Farmers are eligible to apply for the Paycheck Protection Program loans that can be used for payroll, rent, mortgage interest, or utilities. SBA will forgive loans if all employees are kept on the payroll for eight weeks. Farmers may apply through an existing SBA 7(a) lender or through any federally insured depository institution, federally insured credit union, and Farm Credit System institution that is participating. Farmers are also now eligible, and encouraged to apply for, the Economic Injury Disaster Loan (EIDL) program. Farmers are encouraged to consult with your local lender as to whether it is participating in the program.
Q: Employee retention credit – how will this work?
A: The Employee Retention Credit provides a refundable payroll tax credit equal to 50 percent of up to $10,000 in wages per employee (including health benefits) paid by certain employers during the coronavirus crisis. The credit is available to employers: whose operations were fully or partially shut down by government order limiting commerce, travel, or group meetings due to coronavirus, or whose quarterly receipts are less than 50% for the same quarter in the prior year. Wages paid to employees during which they are furloughed or otherwise not working (due to reduced hours) as a result of their employer's closure or economic hardship are eligible for the credit. However, for employers with 100 or fewer employees, all employee wages qualify for the credit, regardless of whether they are furloughed or face reduced hours. To prevent double dipping, employers that receive Small Business interruption loans are not eligible for the credit. Additionally, wages that qualify for the required paid leave credit are not eligible for the credit. The credit is for wages paid by eligible employers from March 13, 2020 through December 31, 2020.
Q: Can a borrower double dip between an Economic Injury Disaster Loan (EIDL) and a new Paycheck Protection loan?
A: Businesses will be able to receive an EIDL and a Paycheck Protection loan as long as they go for different things. For example, a business can receive an EIDL for working capital and a Paycheck Protection loan for payroll assistance. Additional flexibility is granted through no prepayment penalties on EIDLs and no prepayments penalties on Payment Protection loans. Additionally, a refinancing option has been included. Under this legislation, the maximum loan amount intended for payroll and operating costs for small businesses is the monthly payroll times 2.5 with a maximum cap of $10 million. 2.5 times the average monthly payroll is not nearly enough money for small businesses. The calculation is at 2.5 times monthly payroll, earmarked to payrolls, etc. over 8 weeks, because that is what the $350 billion will cover.
Q: When is the application deadline?
A: Applicants are eligible to apply for the loan program until June 30, 2020.
Q: How quickly will businesses be able to access loans?
A: We are working with the SBA on capacity issues, including onboarding new lenders, to ensure resources will be available for small businesses soon. The SBA is working to issue guidance for small businesses and lenders on the new Paycheck Protection Program as quickly as possible. We will make this information accessible on the website once it becomes available.
U.S. Chamber of Commerce Guide to the Loan Program
U.S. Chamber Economic Injury Disaster Loan Guide
U.S. Chamber Employee Retention Tax Credit Guide
U.S. Chamber Small Business Emergency Loan Guide
Department of Labor Guidance on Paid Leave
Resources for Department of Defense Related Small Businesses
Farm Credit East Resources for Farmers
For a top-line overview of the U.S. Treasurey Payment Protection Program CLICK HERE
If you're a lender, more information can be found HERE
If you're a borrower, more information can be found HERE
The application for borrowers can be found HERE
The application for existing lenders can be found HERE
The application for new lenders can be found HERE
Click here for the Paycheck Protection Program Interim Final Rule from the SBA
Click here for the Paycheck Protection Program Interim Final Rule on Affiliation
Click here for the Paycheck Protection Program Applicable Affiliation Rules
Click here for Paycheck Protection Program Frequently Asked Questions
Find an eligible lender HERE
Click here for a comprehensive list of resources for small businesses
- Provides $100 billion to reimburse eligible healthcare providers for expenses and lost revenues
- Provides $1.32 billion for community health centers
- Waives requirement for providers to have a prior relationship with a patient in order to conduct telehealth visits
- Provides $16 billion for the Strategic National Stockpile of PPE, ventilators, and other supplies
- Requires all testing for COVID-19 be covered by private insurance plans
Frequently Asked Questions (FAQs) for Healthcare Facilities and Professionals:
Q: How does this bill support our healthcare providers and hospitals?
A: The bill provides $100 billion to be used to reimburse eligible healthcare providers for healthcare-related expenses including the building of surge capacity, purchasing of medical supplies and equipment, and increased workforce costs. Additionally, the bill delays the Medicaid DSH cuts that were scheduled to go into effect on May 23rd. It also expands the Medicare accelerated payment program for the duration of the COVID-19 emergency period so that hospitals can request up to a six-month advance lump sum or periodic payment and up to 100% of "net reimbursement" from the prior period.
Q: How does this bill support critical access and rural hospitals and their patients?
A: This bill includes $275 million in funding to expand services and capacity for rural hospitals.
Q: How does this bill support community health centers and their patients?
A: The bill requires that all testing for COVID-19 to be covered by private insurance plans without cost sharing. It also provides $1.32 billion in funding to community health centers who are on the frontlines of testing and treating patients. It also provides $250 million for Certified Community Behavioral Health Clinics to increase access to mental healthcare services.
Q: How does this bill support doctors, nurses, and other healthcare professionals?
A: This legislation establishes a Ready Reserve Corps to ensure that there are enough trained healthcare professionals to respond to COVID-19. Additionally, it makes clear that doctors who provide volunteer medical services during this public health emergency have liability protections.
Q: Does this bill address the nationwide supply shortage?
A: Yes. This legislation requires the strategic national stockpile to include certain types of medical supplies. It provides $16 billion to the Strategic National Stockpile to procure personal protective equipment (PPE), ventilators, and other medical supplies for federal and state response efforts. It also requires the FDA to prioritize and expedite the review of drug applications and inspections to prevent or mitigate a drug shortage.
- Includes $955 million for resources for:
- Senior nutrition programs
- Home and community-based support services
- Family caregivers
- Independent living
Frequently Asked Questions (FAQs) for seniors:
Q: How large will the checks be?
A: It depends on your income. Individuals with an adjusted gross income of $75,000 or less will get the full amount of $1,200. Married couples with no children earning $150,000 or less will receive a total of $2,400. The amount will be increased by $500 for each child under the age of 17 and individual taxpayers filing as head of household will get the full payment if they earned $112,500 or less. Above those income figures, the payment decreases until it stops altogether for single people earning $99,000 or married people who have no children and earn $198,000. Additionally, individuals can't get a payment if someone claims you as a dependent, even if you're an adult. In any given family and in most instances, everyone must have a valid Social Security number in order to be eligible.
Q: Will retirees and those on Social Security, including couples who make less than 150k on Social Security, be eligible for stimulus checks and how much?
A: Yes. Those who receive Social Security retirement or disability benefits but do not file tax returns will also receive stimulus checks. The IRS will use SSA-1099 information from the Social Security Administration to identify seniors and individuals with disabilities who are eligible but may not file taxes. These recipients follow the same guidelines as every other person when determining the amount (see question 1).
Q: Will I have to apply to receive a payment?
A: No. The payments will be automatic for individuals who qualify based on either their 2018 or 2019 tax return or their Social Security Benefit Statement. If the Internal Revenue Service already has your bank account information because you opted to use direct deposit to receive your tax refund, it will transfer the payment to you via direct deposit. All others who did not opt to use this function should expect to receive the check in the mail.
Q: What year's income should I be looking at?
A: The amount you receive is based on your 2019 tax returns, however, those who have not yet filed a tax return this year will receive a payment based off their 2018 return or their SSA-1099 benefit statement.
Q: If I do not file income taxes will I receive a check?
A: Since the IRS will determine eligibility based on your income, if you have not filed a tax return for either 2018 or 2019 and do not receive Social Security or disability benefits, you are encouraged to file your 2019 taxes even if you did not report any income to ensure you receive a check.
Q: Have there been any changes to Medicare, Medicaid or Social Security payments?
A: No. Recipients will continue to receive their monthly benefit amount. If you receive these benefits by mail, please visit United States Postal Service for their latest statements about COVID-19.
Visit this IRS web portal if you are not required to file tax returns to make sure you receive your payment!
In response to the COVID-19 pandemic, the Department of Justice's Elder Justice Initiative has created a 1-pager of resources for seniors and those involved in investigating and prosecuting cases of elder fraud and abuse. Learn more here.
Social Distancing: Apps for Seniors
- TRICARE funding for the emergency use of purchased care contracts to support beneficiaries if care in Military Treatment Facilities is unavailable
- Includes $14.4 billion for VA healthcare services like telehealth, medical equipment and supply purchases, testing kits, and Personal Protective Equipment
Frequently Asked Questions (FAQs) for veterans:
Q: Will veterans receive a stimulus check?
A: Yes
Q: If I receive VA disability payments and I do not file taxes, am I eligible for a stimulus check?
A: Yes. Veterans receiving benefits from the Department of Veterans Affairs for VA disability benefits, pensions, and survivors' benefits will be treated the same as those receiving SS, SSDI, SSI benefits and do qualify for stimulus checks.
Q: I'm a veteran receiving pension and health care benefits from VA. Will the Recovery Rebate payment from the CARES Act count towards my income for determining my eligibility for pension, health care, and other needs-based benefits?
A: No. Under Section 20010 of the CARES Act, the 2020 Recovery Rebate payment cannot be counted as income when determining a veteran's eligibility for any VA needs-based benefits.
Q: I have a VA-backed mortgage. Am I protected against foreclosure during the COVID-19 emergency declaration?
A: Yes, under the CARES Act Section 4022, federally backed mortgages, including those guaranteed by VA can be protected from foreclosure for 180 days by requesting a forbearance through your mortgage holder.
Q: I run a veteran-owned small business. Can the CARES Act help me?
A: Yes. If you are a veteran-owned small business, you can receive support through the Small Business Paycheck Protection Program to cover 8-weeks of your payroll, mortgage interest, rent, and utility costs.
Q: My school is converting to online education because of COVID-19, will I still receive my housing allowance?
A: Yes, with the passage of Senate Bill 3503 into law (P.L. 116-128), VA will continue to make housing allowance payments to students using VA education benefits at the on-campus rate, even if the school converted to online education in response to the COVID-19 pandemic.
Click here for Veterans' Benefits information for VA-guaranteed or VA-held loans
Click here for a comprehensive list of resources and services for veterans
Click here for a comprehensive list of resources and services for Fort Drum
- Distributes $13.2 billion to states and local school districts
- Pauses all federal testing requirements
- Suspends all student loan payments and interest accumulation on federal student loans
- Allows greater flexibility for schools to use Title I funds for programs
- Provides funding to Institutions of Higher Education to continue to serve students
- Delivers significant aid relief for students that had their semester cut short
Frequently Asked Questions (FAQs) for students:
Q: Will college students receive a stimulus check?
A: Not if anyone claims them as a dependent on a tax return. Usually, students under age 24 are dependents in the eyes of the taxing authorities if a parent pays for at least half of their expenses. You are not eligible for a payment if someone claims you as a dependent, even if you're an adult.
Q: The federal government has already waived two months of student loan payments and interest for many federal student loan borrowers. Is there a bigger break on loans now with the passage of this new bill?
A: Yes, there is an automatic payment suspension in place until September 30th, 2020 for any student loan held by the federal government. No interest will accrue on the loan during this payment suspension. Check your online loan servicers account in the coming weeks and look at the amount due. There, you should be able to identify if the servicer has reset its billing systems to show that no payment is due.
Q: How do I know if my loan is eligible?
A: If you have borrowed money from the federal government as a so-called direct loan in the past 10 years, your loan is eligible. Additionally, Federal Perkins Loans and Federal Family Education Loans (FFEL) are eligible if the loan is currently held by the U.S. Department of Education. Older FFEL Program loans that the U.S. Department of Education does not own are not eligible, nor are Perkins loans still held by the institution, loans from state agencies, or loans from private lenders. The holders of all those kinds of loans may be offering their own assistance programs. Within a few weeks, you are supposed to receive notice indicating what has happened with your federal loans. You can choose to keep paying down your principal if you want.
Q: Will the six-month suspension cost me money, since I am trying to qualify for the public service loan forgiveness program by making 120 monthly payments?
A: No. The legislation says that your payment count will still go up by one payment each month during the six-month suspension, even though you will not actually be making any payments. This is true for all forgiveness or loan-rehabilitation programs.
Q: If my campus is closed or only offering online instruction, will I still get paid for the hours I am unable to work for my Federal Work-Study job?
A: If you're unable to work your scheduled hours because of coronavirus-related disruptions, your school may pay you for any scheduled hours or allow you to work by another means—for example, completing work online or remotely, depending on the job. You should contact your school for more information.
Q: Will I be penalized if I was not able to complete the current semester due to the public health emergency?
A: No. Lifetime eligibility for subsidized loans and Pell Grants will not be impacted for students who are not able to complete their semester. Additionally, students are relieved from having to pay back the unearned portion of student aid from the current semester if they have to withdraw from a program, while institutions are able to exclude uncompleted credits from counting against the satisfactory academic progress metric, preserving students' eligibility for future financial aid.
Click here to visit the Federal Student Aid Website for more information
- Provides $9.5 billion for agricultural producers including farmers markets, restaurants, schools, livestock and specialty crop producers
- Provides $8.8 billion for Child Nutrition Programs and $15 billion for SNAP
- Provides $1.5 billion in CDC State and Local Preparedness grants
- Provides $5 billion in Community Development Block Grants
Frequently Asked Questions (FAQs) for rural communities:
Q: How does this bill change SNAP and other nutrition programs?
A: This bill includes $8.8 billion for Child Nutrition Programs including $15 billion for SNAP and $1 billion for food distribution. Additionally, the USDA Food and Nutrition Service has waived several requirements for food programs in response to the COVID-19 outbreak. USDA has granted site area eligibility waivers to New York. This waiver removes the requirement that Summer Food Service Program (SFSP) and Seamless Summer Option (SSO) open sites must be in areas where at least 50 percent of participants are eligible for free or reduced-price meals. Additionally, the waivers allow State agencies to waive certain onsite monitoring and oversight requirements for the school meals programs and the Child and Adult Care Food Program so that the programs can maintain program integrity and support social distancing while providing meals. State Agencies must notify FNS of their plans to opt-in to these waivers.
Q: Is there additional support for Territories and Tribal governments?
A: Yes. This legislation provides $150 billion for states, territories, and tribal governments to use for expenditures incurred due to the public health emergency. $8 billion is reserved for Tribal governments while $3 billion is reserved for the District of Columbia and U.S. territories. This funding is allocated by population proportions, with a minimum of $1.25 billion for states with relatively small populations. Units of local government with populations above 500,000 are able to receive direct payments from the Department of Treasury.
Q: What relief is provided for our community banks and local credit unions?
A: The CARES Act temporarily reduces the Community Banking Leverage Ration by one percent, allowing federal banking regulators to grant a "reasonable" grace period if any bank falls below that eight percent threshold. This change will allow community banks to deploy additional, needed capital to consumers and businesses through this time of crisis. This legislation also allows federal finance regulators to temporarily guarantee non-interest-bearing accounts of banks and credit unions without a maximum guarantee limit. It also temporarily suspends "generally accepted accounting principles" (GAAP) requirements for Troubled Debt Restructuring (TDR) classifications on loans. This change will assure banks and credit unions that loan modifications resulting from coronavirus-related distress do not trigger a TDR classification or disclosure, further incentivizing banks and credit unions to exhaust all options to support consumers and businesses. Furthermore, the CARES Act gives banks and credit unions the option to decide whether to comply with the new accounting standard known as Current Expected Credit Losses (CECL) Standard. This gives larger banks the option to free up trapped capital and will allow banks and credit unions to extend additional loans to consumers and businesses
Q: What additional funding is available for rural communities?
A: This bill provides $5 billion in Community Development Block Grant funding for senior citizens, the homeless, and public health services. It also provides $1 billion in direct funding to community-based organizations to provide social services and emergency assistance and $345 million for states and communities to respond to workforce impacts and layoffs.
Q: How does this bill support local farmers and related industry?
A: The CARES Act provides $9.5 billion for agricultural producers including specialty crop producers, local food system suppliers, farmers markets, restaurants, and livestock and produce farmers.
Q: What financial resources are available to farmers?
A: Farmers and businesses with 500 or fewer employees are eligible to apply for SBA Paycheck Protection Program loans. The loan will be fully forgiven if the funds are used for payroll costs, interest on mortgages, rent, and utilities. Farmers are also eligible to apply for the SBA Economic Injury Disaster Loan Program. More information is forthcoming on the USDA Coronavirus Food Assistance (CFAP) funding that will also be made available to farmers.
Q: How does this legislation support our first responders?
A: This bill provides $100 million for Assistance to Firefighter Grants to purchase personal protective equipment (PPE) and related supplies. In addition, it provides $1.5 billion in CDC State and Local Preparedness grants for local response activities.
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This entry was posted on Montag, Juni 17th, 2013 at 21:25 and is filed under Passstraßen Europas. You can follow any responses to this entry through the RSS 2.0 feed. You can skip to the end and leave a response. Pinging is currently not allowed.
Col d'Izoard, 05350 Cervières, Hautes-Alpes, Provence-Alpes-Côte d'Azur, Frankreich
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Lumi-Link is the world's first marine lighting API (Application Programming Interface).
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- B&G - Zeus3 Glass Helm, Zeus3 and Vulcan
- Furuno - Models TBC
Please check compatibility of MFD prior to purchase.


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Parks & Gardens
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Got an event or happening? Post your event here!


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Live concerts
Repeat: Daniel Barenboim conducts Smetana's "Má vlast"
Photo: Peter Adamik
A masterpiece of Czech romantic music, Bedřich Smetana's Má vlast (My Homeland), can be heard at this concert. The cycle of six symphonic poems, composed within five years, is rarely performed in its entirety; one usually hears only "The Moldau", the best-known part. In terms of content, Smetana is dealing with the myths of his Czech homeland in addition to its landscape. You can look forward to experiencing how Daniel Barenboim, who has been conducting the Berliner Philharmoniker for 51 years by now, will interpret the entire cycle.
Berliner Philharmoniker
Daniel Barenboim
Bedřich Smetana
Má vlast (My Homeland)
approx. 15 min before the concert: Daniel Barenboim in conversation with Christoph Streuli
Kirill Petrenko conducts Strauss, Shostakovich and Norman
Photo: Monika Rittershaus
Dmitri Shostakovich's Ninth Symphony was dismissed by his contemporaries as superficial and garish. At the end of the Second World War, a work was expected that would glorify the victory. But Shostakovich refused these demands, and in the symphony he reduces the heroic glorification to absurdity. At almost the same time, Richard Strauss wrote his Metamorphosen, in which he gave musical expression to his grief over the demise of a cultural epoch. Chief conductor Kirill Petrenko feels a deep connection to both composers and juxtaposes their works with a piece by Andrew Norman, born in 1979.
Berliner Philharmoniker
Kirill Petrenko
Andrew Norman
Sabina (arr. for string orchestra)
Richard Strauss
Metamorphosen for 23 solo strings
Dmitri Shostakovich
Symphony No. 9 in E flat major, op. 70
Daniel Barenboim and Emmanuel Pahud
Photo: Peter Adamik
Berliner Philharmoniker
Daniel Barenboim
Jacques Ibert
Concerto for Flute and Orchestra
Emmanuel Pahud flute
Hector Berlioz
Symphonie fantastique, op. 14
Tugan Sokhiev and Nicolas Altstaedt
Photo: Marco Borggreve
Berliner Philharmoniker
Tugan Sokhiev
Nicolas Altstaedt
Igor Stravinsky
Pulcinella: Suite
Camille Saint-Saëns
Concerto for Cello and Orchestra No. 1 in A minor, op. 33
Nicolas Altstaedt cello
Georges Bizet
Symphony in C major
Andris Nelsons and Baiba Skride
Photo: Marco Borggreve
Berliner Philharmoniker
Andris Nelsons
Baiba Skride
Igor Stravinsky
Concerto in D for Violin and Orchestra
Baiba Skride violin
Ludwig van Beethoven
Symphony No. 5 in C minor, op. 67
Christmas concert: "Jingle Bass Rock"
The sound of Santa Claus is low, sonorous and dark. Fortunately, the orchestra deploys many instruments that can lend him musical form: double bass, double bassoon, bass clarinet, tuba and trombone. These low instruments take centre stage at our Christmas concert. Host Sarah Willis, horn player with the Berliner Philharmoniker, will create a great atmosphere, convey interesting facts about the bass instruments in an entertaining way, and get us in the mood for Christmas, together with members of the orchestra.
Family Christmas Concert
Members of the Berliner Philharmoniker
Jingle Bass Rock
Sarah Willis horn and presenter
Iván Fischer and Seong-Jin Cho
Photo: Harald Hoffmann/DG
Berliner Philharmoniker
Iván Fischer
Seong-Jin Cho
Michail Glinka
Ruslan and Lyudmila: Overture
Franz Liszt
Concerto for Piano and Orchestra No. 2 in A major
Seong-Jin Cho piano
Antonín Dvořák
Symphony No. 8 in G minor, op. 88
New Year's Eve Concert with Kirill Petrenko and Pablo Sáinz-Villegas
Be it Andalusian flamenco, which arose in exchange with Moorish traditions, passions unleashed in close contact to the Provence in France, or Latin America's musical life, which flourishes at the other end of the Atlantic Ocean: the Berliner Philharmoniker's New Year's concert will bring the diversity of Spanish music to life. The virtuoso guitarist Pablo Sáinz Villegas will play Rodrigo's Concierto de Aranjuez, and Kirill Petrenko will lead his orchestra into the new year with a programme full of atmosphere consisting of favourites and rediscoveries.
New Year's Eve Concert
Berliner Philharmoniker
Kirill Petrenko
Pablo Sáinz-Villegas
Manuel de Falla
El amor brujo: Introduction and "Ritual Fire Dance"
Joaquín Rodrigo
Concierto de Aranjuez for guitar and orchestra
Pablo Sáinz-Villegas guitar
Mozart Camargo Guarnieri
3 Dances for Orchestra: Dansa Brasileira
Heitor Villa-Lobos
Bachianas Brasileiras No. 4
Nikolai Rimsky-Korsakov
Capriccio espagnol, op. 34
Semyon Bychkov and Lisa Batiashvili perform Tchaikovsky's Violin Concerto
In accordance with one of our season emphases, this evening focuses on Russian music: Tchaikovsky's Violin Concerto, composed after the composer experienced a phase of radical personal crises, is "unviolinistic", Leopold Auer, to whom the work is dedicated, once stated. Lisa Batiashvili will make tangible that this is not the case at all. "The inhuman" is the theme of Shostakovich's Eighth Symphony, completed in 1943: he describes the brutality of war, exposes the empty pomp of military deployments, and finds moving tones for humanity's sorrow in the face of horrors.
Berliner Philharmoniker
Semyon Bychkov
Lisa Batiashvili
Pyotr Ilyich Tchaikovsky
Concerto for Violin and Orchestra in D major, op. 35
Lisa Batiashvili violin
Dmitri Shostakovich
Symphony No. 8 in C minor, op. 65
The National Youth Orchestra of Germany with Francesco Angelico and Christian Tetzlaff
The National Youth Orchestra is under the Berliner Philharmoniker's patronage. Its members, all highly talented instrumentalists between ages 14 and 19, gain their first experience in orchestral playing here – and at the highest level. During rehearsals they are coached by professional orchestra musicians. Being in the BJO means experiencing early on how it feels to perform on major concert stages. The annual guest performance in Berlin's Philharmonie is a particular high point for the young people.
National Youth Orchestra of Germany
Francesco Angelico
Christian Tetzlaff
Luigi Dallapiccola
Variations for Orchestra
Josef Suk
Fantasy for Violin and Orchestra in G minor, op. 24
Christian Tetzlaff violin
Dmitri Shostakovich
Symphoy No. 11 in G minor, op. 103, "The Year 1905"
Kirill Petrenko conducts Rachmaninov's "Francesca da Rimini"
In his third one-act opera, Rachmaninov set a historically authentic marital drama to music: a northern Italian noblewoman was discovered together with her lover by her jealous husband and murdered. This is a symphonically conceived operatic rarity perfectly made for the concert hall, since it can probably have the greatest impact as imaginary theatre. Hopeless tragedy also defines Shakespeare's drama Romeo and Juliet, based on which Tchaikovsky composed his Overture-Fantasy of the same name. You are invited to discover the two seldom-heard works with Kirill Petrenko as conductor.
Berliner Philharmoniker
Kirill Petrenko
Kristina Mkhitaryan, Dmytro Popov, Vladislav Sulimsky, Maxim Kuzmin-Karavaev, Dmitry Golovnin
Pyotr Ilyich Tchaikovsky
Romeo and Juliet, Fantasy Overture after Shakespeare
Sergei Rachmaninov
Francesca da Rimini, op. 25 (concert performance)
Kristina Mkhitaryan soprano (Francesca), Dmytro Popov tenor (Paolo), Vladislav Sulimsky baritone (Lanceotto), Maxim Kuzmin-Karavaev bass (Vergil), Dmitry Golovnin tenor (Dante), Rundfunkchor Berlin
Daniele Gatti conducts Stravinsky and Shostakovich
On this programme you will experience two great Russian composers flirting with earlier epochs: Igor Stravinsky combines in his ballet Apollon musagète the cheerful light atmosphere of the classical era with the easy-going, urban lifestyle of the 1920s. Dmitri Shostakovich, on the other hand, composed his Fifth Symphony in 19th-century aesthetics of sound, ostensibly as a homage to socialism. But his music has a certain ambiguity: "The rejoicing is forced under threat," the composer wrote. "One would have to be a complete fool not to hear that."
Berliner Philharmoniker
Daniele Gatti
Igor Stravinsky
Apollon musagète
Dmitri Shostakovich
Symphony No. 5 in D minor, op. 47
Kirill Petrenko and Daniil Trifonov
"There's this special moment when you truly feel the music and we all become one connected whole", Daniil Trifonov waxes enthusiastical in an interview for the Digital Concert Hall. Since his debut in 2016, he has repeatedly bestowed such moments on the Philharmonic audience. Now he will perform Sergei Prokofiev's youthful and exuberant Piano Concerto No. 1 with Kirill Petrenko in Berlin for the first time. Also on the programme: a première by Icelandic composer Anna Thorvaldsdóttir, and Erich Wolfgang Korngold's Symphony in F sharp in colourful film music style, a great rarity.
Berliner Philharmoniker
Kirill Petrenko
Daniil Trifonov
Anna Thorvaldsdóttir
New work (première) – commissioned jointly by the Berliner Philharmoniker together with the Iceland Symphony Orchestra, the New York Philharmonic and the City of Birmingham Symphony Orchestra – supported by the Friends of the Berliner Philharmoniker e. V.
Sergei Prokofiev
Concerto for Piano and Orchestra No. 1 in D flat major, op. 40
Daniil Trifonov piano
Erich Wolfgang Korngold
Symphony in F sharp, op. 40
Kirill Petrenko conducts Weill and Stravinsky
Philharmonic Biennale: Kirill Petrenko brings the 1920s to life again with an early work by Kurt Weill. The influence of Liszt, Mahler and Strauss on Weill can be heard in his rarely performed First Symphony. The music is captivating, brash and brilliant, but also features delicate, chamber music-like passages. After the interval, we hear Stravinsky's opera-oratorio Oedipus rex, composed in 1927 and set in ancient Greece. Its music is crystal-clear neoclassicism – how could it be otherwise? Two fascinating facets of the "Roaring Twenties".
Philharmonic Biennale
Berliner Philharmoniker
Kirill Petrenko
Michael Spyres, Ekaterina Semenchuk
Kurt Weill
Symphony No. 1 "Berliner Symphonie"
Igor Stravinsky
Oedipus rex
Michael Spyres tenor (Oedipus), Ekaterina Semenchuk mezzo-soprano (Jocasta), Shenyang bass-baritone (Creon), Andrea Mastroni bass (Tiresias), Krystian Adam tenor (Shepherd), Derek Welton bass (Messenger), Men of the Rundfunkchor Berlin
Donald Runnicles conducts Hindemith and Weill
Actor, director and author Simon McBurney is an artistic multitalent. For concert stages in Berlin, Los Angeles and San Francisco he directs a programme that leads us deep into the abysses of the 1920s, particularly in Hindemith's operatic shocker Murderer, Hope of Women, which is based on a drama by Oskar Kokoschka. It is about sex and dark desires, brutality and murder. McBurney and his artistic team work with techniques such as video projections, thus creating an atmosphere which makes the social and political climate in the time of the Weimar Republic come alive.
Philharmonic Biennale
Berliner Philharmoniker
Donald Runnicles
Simon McBurney
Paul Hindemith
Mörder, Hoffnung der Frauen (Murderer, Hope of Women), opera in one act, op.12
Simon McBurney stage direction, Gerard McBurney dramaturgy, Will Duke video design, Anna Fleischle production design, Rundfunkchor Berlin
Kurt Weill
The Berlin Requiem
Simon McBurney stage direction, Gerard McBurney dramaturgy, Will Duke video design, Anna Fleischle production design, Rundfunkchor Berlin
Kurt Weill
The Seven Deadly Sins
Simon McBurney stage direction, Gerard McBurney dramaturgy, Will Duke video design, Anna Fleischle production design, Rundfunkchor Berlin
Christian Thielemann conducts Liszt, Strauss and Bach
Two lesser known masterworks of the Golden Twenties: as Arnold Schoenberg bathed Bach's monumental Prelude and Fugue in the instrumental colours of a large symphony orchestra in early 1928, Richard Strauss had completed his latest work a few weeks earlier. The cycle Die Tageszeiten (The Times of Day), based on poems by Eichendorff, is in no way inferior to the beauty of the famous Vier letzte Lieder. After the interval the Dante Symphony by Franz Liszt, a composer who admired both Schoenberg and Strauss, offers a musical foretaste of the hereafter.
Philharmonic Biennale: "Late Night"
Berliner Philharmoniker
Christian Thielemann
Rundfunkchor Berlin
Johann Sebastian Bach
Prelude and Fugue in E flat major, BWV 552 (orchestrated by Arnold Schoenberg)
Richard Strauss
Die Tageszeiten, song cycle for male choir and orchestra, op. 76
Rundfunkchor Berlin
Franz Liszt
Dante Symphony
Rundfunkchor Berlin
"Late Night" concert: A night at the Moka Efti
The Philharmonie is transformed into the legendary coffee house Moka Efti for one night, when members of the Berliner Philharmoniker play dance music of the 1920s – foxtrots and shimmies, tangos, marches and blues ballads. Ernst Krenek's Lustige Märsche (Merry Marches) provide the finale – wind music that literally seems to trip over its own feet: highly charged, breathless and wonderfully unconventional.
Philharmonic Biennale: "Late Night"
Members of the Berliner Philharmoniker
Kurt Weill
Berlin Lit Up
Kurt Weill
Little Threepenny Music
Kurt Weill
Panamanian Suite
Stefan Wolpe
Suite from the Twenties
Mátyás Seiber
Two Jazzolettes
Ernst Krenek
Three Merry Marches, op. 44
Paavo Järvi and Igor Levit perform Beethoven's Piano Concerto No. 5
A work that "really makes you happy": that is how Igor Levit described Beethoven's brilliant E flat major Piano Concerto, in which – amid the tension between individual and collective – the orchestra and solo part combine to form an integral whole. In contrast, sections of Prokofiev's E flat minor Symphony are supposed to sound like "wind sweeping over a churchyard". The slow middle movement alternates between aggressiveness and lament, while rhythmic interjections in the finale symbolize – in the words of the composer – "the forces of evil". E flat major versus E flat minor: both works are in good hands with Paavo Järvi.
Berliner Philharmoniker
Paavo Järvi
Igor Levit
Ludwig van Beethoven
Concerto for Piano and Orchestra No. 5 in E flat major, op. 73
Igor Levit piano
Sergei Prokofiev
Symphony No. 6 in E flat minor, op. 111
Kirill Petrenko conducts Tchaikovsky's "Mazeppa"
Like the opera Eugene Onegin, which he composed five years earlier, Pyotr Tchaikovsky's Mazeppa is also based on a poem by Alexander Pushkin. The work tells the story of the tragic life and loves of a Ukrainian Cossack commander against the background of events during the reign of Peter the Great. After the opera is heard at the Easter Festival in Baden-Baden, the passionate, dramatic score will be brought to life by an outstanding ensemble of singers at the Philharmonie Berlin.
Berliner Philharmoniker
Kirill Petrenko
Vladislav Sulimsky, Olga Peretyatko, Dmitry Ulyanov, Ekaterina Semenchuk
Pyotr Ilyich Tchaikovsky
Mazeppa (concert performance)
Vladislav Sulimsky baritone (Mazeppa), Olga Peretyatko soprano, Dmitry Ulyanov bass (Vasily Kochubey), Ekaterina Semenchuk mezzo-soprano (Lyubov Kochubey), Dmytro Popov tenor (Andrei), Vasily Gorshkov tenor (Iskra), Dimitry Ivashchenko bass (Filipp Orlik),
Zubin Mehta conducts Bruckner's Ninth Symphony
They belonged to different stylistic periods but nevertheless had a great deal in common: Olivier Messiaen and Anton Bruckner numbered among the leading organists of their day, and both were deeply rooted in the Catholic faith, which considerably influenced their works. Zubin Mehta combines Messiaen's Et exspecto resurrectionem mortuorum, an impressive musical memorial to the dead of both world wars, with Anton Bruckner's monumental Ninth Symphony. In this work, Bruckner not only sums up his symphonic oeuvre but also bids farewell to this world in a very personal way.
Berliner Philharmoniker
Zubin Mehta
Olivier Messiaen
Et exspecto resurrectionem mortuorum for wind orchestra and percussion
Anton Bruckner
Symphony No. 9 in D minor
Mikko Franck and Yefim Bronfman perform Brahms's Piano Concerto No. 1
One would never get the idea that virtuosity could be an end in itself with Yefim Bronfman, who has been a world-class pianist for many years. His artistry is always devoted to the work itself – regardless of whether he launches into a hard-hitting thunderstorm of chords or caresses delicate poetic tableaus out of the keys. "With Brahms I think of natural landscapes, mountains, green valleys and beautiful panoramas, of incredible grandeur," Bronfman says about the composer, whose First Piano Concerto he plays at these concerts.
Berliner Philharmoniker
Mikko Franck
Yefim Bronfman
Johannes Brahms
Concerto for Piano and Orchestra No. 1 in D minor, op. 15
Yefim Bronfman piano
Jean Sibelius
Symphony No. 5 in E flat major, op. 82
Kirill Petrenko conducts Mozart and Tchaikovsky
Kirill Petrenko's interpretation of music by Mozart will be heard together with Tchaikovsky's Suite No. 3 during this concert, first in Berlin and afterwards at the European Concert. The annual anniversary concert of the Berliner Philharmoniker takes place at the Sagrada Família in Barcelona for the first time in 2021, with a selection of works tailor-made for the sacred location, including the "Coronation" Mass, the Ave verum and the motet "Exsultate, jubilate". The Catalan choral society Orfeó Català, founded in 1891, makes its debut with the orchestra at these concerts.
Berliner Philharmoniker
Kirill Petrenko
Rosa Feola
Wolfgang Amadeus Mozart
"Exsultate, jubilate", motet, K. 165
Rosa Feola soprano
Wolfgang Amadeus Mozart
Mass in C major, K. 317 "Coronation"
Rosa Feola soprano, Wiebke Lehmkuhl contralto, Mauro Peter tenor, Krešimir Stražanac bass-baritone, Orfeó Català
Pyotr Ilyich Tchaikovsky
Suite No. 3 in G major, op. 55
European Concert from Barcelona with Kirill Petrenko
European Concert from Barcelona
Berliner Philharmoniker
Kirill Petrenko
Kirill Petrenko, Rosa Feola, Wiebke Lehmkuhl, Mauro Peter, Krešimir Stražanac, Orfeó Català
Wolfgang Amadeus Mozart
Symphony No. 25 in G minor, K. 183
Wolfgang Amadeus Mozart
"Exsultate, jubilate", motet, K. 165
Rosa Feola soprano, Wiebke Lehmkuhl contralto, Mauro Peter tenor, Krešimir Stražanac bass-baritone, Orfeó Català choir
Wolfgang Amadeus Mozart
"Ave verum corpus", motet K. 618
Orfeó Català choir
Wolfgang Amadeus Mozart
Mass in C major, K. 317 "Coronation"
Rosa Feola soprano, Wiebke Lehmkuhl contralto, Mauro Peter tenor, Krešimir Stražanac bass-baritone, Orfeó Català choir
Kirill Petrenko conducts the BE PHIL Orchestra
At 16,000 kilometres, Philipp Eversheim had the longest journey. The flutist from Australia was one of the approximately 90 music-loving amateurs who had qualified to participate in the BE PHIL Orchestra in 2018. This project of the Education Programme gave musicians from 30 countries the unique experience of performing Brahms's First Symphony under Sir Simon Rattle. A highly emotional event for both the participants and the audience. This season there will be a revival of the BE PHIL Orchestra – with Shostakovich's Tenth Symphony and chief conductor Kirill Petrenko at the podium.
BE PHIL Orchestra
Kirill Petrenko
Dmitri Shostakovich
Symphony No. 10 in E minor, op. 93
Kirill Petrenko conducts Mahler's Ninth Symphony
"Each of Gustav Mahler's symphonies has a different philosophy, builds a different world," Kirill Petrenko says in an interview for the Digital Concert Hall. After the Fourth and the Sixth, he now conducts the Ninth, the composer's last completed symphony, with the Berliner Philharmoniker. A work which makes a radical break with tradition, points the way to modernism and thus pushes open the door to a different world. Mahler conceived the cosmos of this work as fragile, fragmentary and episodic – a grand farewell to youth, love, life.
Berliner Philharmoniker
Kirill Petrenko
Gustav Mahler
Symphony No. 9 in D major
Susanna Mälkki conducts "Bluebeard's Castle"
It is "a masterpiece, a musical volcano that erupts for sixty minutes of tragic intensity and leaves us with only one desire: to hear it again." That is how Zoltán Kodály described Béla Bartók's only opera, Bluebeard's Castle. Composed in 1911, the one-act work is a brilliantly orchestrated symbolic psychological drama that takes us deep into the emotional world of the fin de siècle. "What do you see?" Bluebeard asks his bride Judith, who wants to open the seven doors of the Duke's past. Susanna Mälkki conducts this musical psychoanalysis, which makes listeners shudder.
Berliner Philharmoniker
Susanna Mälkki
Ildikó Komlósi, Johannes Martin Kränzle
Kaija Saariaho
Vista (German première) – commissioned jointly by Berliner Philharmoniker Foundation together with the Helsinki Philharmonic Orchestra, the Oslo Philharmonic and the Los Angeles Philharmonic Association (concert performance)
Béla Bartók
Bluebeard's Castle, Sz 48 (concert performance)
Ildikó Komlósi mezzo-soprano (Judith), Johannes Martin Kränzle baritone (Bluebeard)
Simon Rattle conducts Elgar's "The Dream of Gerontius"
Sir Simon Rattle returns to the podium of the Berliner Philharmoniker with a major work by his countryman Edward Elgar. The Dream of Gerontius describes the journey of the soul of a dead man on its way to the next world. The work was composed in 1900, one year after Sigmund Freud published his epochal The Interpretation of Dreams. The dream as the gateway to the subconscious. In Elgar's version, which is deeply indebted to the fin de siècle, the dream appears in the form of a comforting meditation on death.
Berliner Philharmoniker
Sir Simon Rattle
Dame Sarah Connolly, Allan Clayton, Roderick Williams, Rundfunkchor Berlin
Edward Elgar
The Dream of Gerontius, op. 38
Dame Sarah Connolly mezzo-soprano, Allan Clayton tenor, Roderick Williams baritone, Rundfunkchor Berlin
Alan Gilbert conducts Brahms, Chin and Webern
The early 20th century was not only influenced by avant-garde concepts but was also characterized by an unbridled passion for intoxicating sounds. Alan Gilbert, chief conductor of the NDR Elbphilharmonie Orchestra, demonstrates that in this programme. We can almost feel the gentle breeze that Anton Webern evokes in his impressionist early work Im Sommerwind (In the Summer Wind). And Arnold Schoenberg clearly took great pleasure in intensifying the colours of Brahms's Piano Quartet No. 1, drawing on all the orchestra's resources. Unsuk Chin's iridescent, sensuous Piano Concerto will be heard between the two works, with Sunwook Kim as soloist.
Berliner Philharmoniker
Alan Gilbert
Sunwook Kim
Anton Webern
Im Sommerwind, Idyll for large orchestra
Unsuk Chin
Concerto for Piano and Orchestra
Sunwook Kim piano
Johannes Brahms
Piano Quartet No. 1 in G minor, op. 25 (orchestrated by Arnold Schoenberg)
Herbert Blomstedt conducts Sibelius and Brahms
"Conducting is a good profession to grow old in, because it's always a challenge, and you need challenges when you get older," said Herbert Blomstedt, born in 1927, who is continuing his long-standing collaboration with the Berliner Philharmoniker with undiminished energy and vitality. On this programme Sibelius's dark, mist-shrouded Fourth Symphony is contrasted with Brahms's Third. Between them, a rarity will be heard: the solemn Intermezzo from the cantata Sången (The Song), composed in 1926 by the Swedish late Romantic composer Wilhelm Stenhammar.
Berliner Philharmoniker
Herbert Blomstedt
Jean Sibelius
Symphony No. 4 in A minor, op. 63
Wilhelm Stenhammar
Interlude from the Symphonic Cantata Sången, op. 44
Johannes Brahms
Symphony No. 3 in F major, op. 90
Jean-Christophe Spinosi and Philippe Jaroussky
Jean-Christophe Spinosi's artistic home is music of the 17th and 18th centuries. He also appears as an opera conductor, with acclaimed interpretations of works by Mozart and Rossini. For his debut with the Berliner Philharmoniker Spinosi has put together a varied programme including two works from the Baroque period, a symphony from the Viennese Classical School and Romantic bel canto. Philippe Jaroussky is also at home in this repertoire and contributes arias by Vivaldi and Rossini in his brilliant countertenor.
Berliner Philharmoniker
Jean-Christophe Spinosi
Philippe Jaroussky
Antonio Vivaldi
Sinfonia from L'Olimpiade, RV 725
Antonio Vivaldi
Aria "Mentre dormi amor fomenti" from L'Olimpiade, RV 725
Philippe Jaroussky countertenor
Georg Philipp Telemann
Concerto in E minor for Flute, Recorder, Strings and Continuo, TWV 52:e1
Antonio Vivaldi
Aria "Gemo in un punto e fremo" from L'Olimpiade, RV 725
Philippe Jaroussky countertenor
Joseph Haydn
Symphony No. 82 in C major "L'Ours"
Gioacchino Rossini
Overture to L'Italiana in Algeri
Gioacchino Rossini
Cavatina "Di tanti palpiti" from Tancredi
Philippe Jaroussky countertenor
Wolfgang Amadeus Mozart
Symphony No. 41 in C major, K. 551 "Jupiter"
Concert from the Waldbühne with Martin Grubinger
At his debut with the orchestra in March of 2019 listeners could experience the presence, physicality and enthusiasm with which multi-percussionist Martin Grubinger executed the solo part in Peter Eötvös's percussion concerto Speaking Drums. He virtuosically elicited a wealth of timbres from his arsenal of instruments – from eruptive cascades of sound to delicate bell tones. At the close of the concert season in the Waldbühne the percussion star returns to the Berliner Philharmoniker: pure rhythm under the stars.
From the Berlin Waldbühne
Berliner Philharmoniker
Martin Grubinger
Programme and conductor to be announced
Martin Grubinger drums


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Intelligently networked bicycle mobility – with COMPIT Series products by SKS Germany!
Derived from the words "COMnunication" and "cockPIT", COMPIT stands for a new generation of smartphone holders that integrate your bike's display with modern communication technology on the handlebar in a clever, clean and compact way.
The COMPIT/E smartphone mount by SKS is specifically designed for e-bikes and pedelecs with Bosch Intuvia and Nyon display. The holder is adapted to ensure your smartphone and on-board computer form a closed and coordinated unit on the handlebar while staying in position on rough rides. With a simple twist, you can position your phone horizontally or vertically thanks to the oversized bayonet attachment. Afterwards, you can move it into the desired position for optimal readability thanks to precise angle adjustment.
For an increased battery life when navigating or tracking a route, listening to music or simply communicating, the COMPIT+ mount comes with the Qi-certified +COM/UNIT charging station for inductive or wired smartphone charging. When smartphone and +COM/UNIT are fully charged, you can use the device for approx. 10 hours at full capacity.
In addition, you can connect the +COM/UNIT to the USB interface of your Bosch display by using the USB cable integrated in the COMPIT/E+ holder and thus charge the device with your e-bike battery. At the same time, you can charge the battery of your connected smartphone. Perfect for touring cyclists who require high comfort and reliability when navigating but don't want to pay attention to the battery charge of their smartphone.
An integrated NFC chip (NEAR FIELD COMMUNICATION) inside the +COM/UNIT integrates different services, e.g. the free SKS MYBIKE app, when used with NFC-compatible smartphones.
Thus, SKS takes bicycle connectivity to a new level.
A front light mount that perfectly integrates into the holder is also included.
For the single COMPIT +COM/UNIT powerbank see product code: 2278622.
• Material: plastic
• For attachment to the existing bracket of the Bosch Intuvia/Nyon display
You additionally need a COMPIT smartphone cover!
For suitable covers see product code: 2278623.
Specs COM/UNIT powerbank:
• Battery type: lithium-polymer battery
• Battery capacity: 5000 mAh
• Dimensions: 130 x 70 x 21.5 mm
• Weight: approx. 188 g
• USB input: DC 5 V/2 A
• USB output: DC 5 V/2 A
• Wireless transmission power: 5 W
• Wireless efficiency: >70%
• Operation frequency: 110 KHz–205 KHz
• Wireless output: DC 5 V/1 A
• NFC chip: NTAG 216, 924 byte
• Type of protection: IP54
• Operating temperature: -15 °C to +60 °C
• Charging temperature: 0 to 45° C
In the box:
• 1x docking station to attach the smartphone with an OPTIONAL cover or the +COM/UNIT incl. cable for power supply through the e-bike battery
• 1x +COM/UNIT powerbank
• 1x USB charging cable for the +COM/UNIT
• 1x clamp for COMPIT/E for Bosch Intuvia/Nyon without adapter (pre-installed)
• 1x clamp for COMPIT/E for Bosch Intuvia/Nyon with adapter
• 1x COM/LIGHT adapter (for front light)
• 1x 3 mm hex wrench
• Complete mounting kit
The required smartphone cover and front light are NOT included.
Further optional accessories:
• SKS COMPIT action camera adapter (product code: 2280856)
• SKS COMPIT cable iPhone Lightning (product code: 2280853)
• SKS COMPIT cable Micro USB (product code: 2280854)
• SKS COMPIT cable Type C USB (product code: 2280855)
- Manufacturer`s ref.:
- 11536
- 4002556907082


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Product 51/67
This pattern, designed by Donna Olson of Satin Stitches, can use either 22 or 25 count evenweave fabric. Finished size with 22 count fabric is 15" wide x 15" long; finished size with 25 count fabric is 13" wide by 13" long. Features klosters, satin stitch, buttonhole stitch, cable, cutwork with weaving, split bar weaving, and picot on bars filling stitches. This is a hard copy, color pattern. (SS608) Advanced


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Jjamppong Korean Spicy Seafood Noodle Soup (짬뽕) is a popular Korean spicy noodle soup that is loaded with various type of seafood. It tastes very refreshing and comforting. At our house we have some family members that just LOVE spicy seafood…and since we have access to local fresh seafood it makes it that much better!
What is Jjamppong Korean Spicy Seafood Noodle Soup?
Jjamppong Korean Spicy Seafood Noodle Soup (or Jjampong, 짬뽕) is one of the most popular dishes you can order from a Korean-Chinese restaurant. Jjamppong consists of fresh noodles, various vegetables and various seafoods and it is served in a red hot soup base. Generally the soup can be quite spicy but it can be toned down if you're cooking it at home.
In Korea, jjamppong's popularity always competes with jajangmyeon (Korean black bean noodles, 자장면). If you can't decide between jjamppong and jajangmyeon, then you can order jjamjjamyeon (짬짜면) instead. Jjjamjjamyeon (yes, its a mouthful to say..) is both types of noodle dishes served in a bowl that is divided in the middle. So you don't have to compromise! We are going to use our Salt Free Udon in combination with our Kaedama Fresh Ramen Packs to give you a slightly different taste that will delight and surprise.
- From Japan! Salt-Free Premium Soba and Udon noodles for a thicker noodle. It's vegan with premium ingredients from JAPAN.
Makes 4servings.


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In Pictures | Voter turnout, close races and high anxiety on election night in SoCal
Few can argue with California Democrats that their sweeping victories on Tuesday are a clear mandate to set in place an agenda for the state that will last well into the next decade. Less clear, though, is what those marching orders should be — and whether voters will embrace the full panoply of demands that have lurched the state's dominant party leftward since the election of
No one will face that task more directly than Gov.-elect
New man in Sacramento
Gavin Newsom won a decisive victory for governor Tuesday night, placing the risk-taking liberal at the center of the resistance to President Trump at a critical moment for California.
Newsom is expected to shift state politics and policy even further to the left after eight years of Gov. Jerry Brown, a pragmatic Democrat known for his fiscal restraint and distaste for expensive new social programs.
California's 48th congressional district
In coastal Orange County's 48th Congressional District, Rep. DanaRohrabacher was more than 6,000 votes behind his Democratic challenger Harley Rouda. The tally Wednesday morning had Rouda leading, 50.7% to 49.3%.
Rohrabacher is facing his toughest reelection battle of his 30 years in Congress.
California's 45th congressional district
The lone Republican incumbent who showed strong signs of survival was Rep. Mimi Walters, who was leading her Democratic opponent Katie Porter, 51.7% to 48.3% in the 45th Congressional District that includes the Irvine area.
"You guys, we're looking good," she told supporters at a late-night gathering in Irvine. "I really think it's going to be tough for her to beat me at this point."
California's 39th congressional district
Young Kim, the Republican vying for the seat of retiring Rep. Ed Royce of Fullerton in the 39th Congressional District. She held a lead over Democrat Gil Cisneros, 51.3% to 48.7%.
California's 25th congressional district
Katie Hill held the lead over Republican incumbent
With 100 percent of the precincts reporting, Hill had received 83,662 votes to Knight's 79,545 with provisional and mail-in ballots still to be counted.
New Sheriff in town?
Sheriff Jim McDonnell on Wednesday was in jeopardy of being ousted by voters as challenger Alex Villanueva took a razor-thin lead in the race to lead the sprawling, scandal-tainted law enforcement agency.
With votes still being counted, the outcome of the race is still in question. But the fact that McDonnell is fighting for his political life has stunned the Los Angeles political establishment and raised questions about future reforms at the department.