The NEW $900 Billion Dollar Stimulus Package was just passed - here are the details, the new $600 stimulus check, and everything else you should know - Enjoy! Add me on Instagram: GPStephan
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BIGGEST POINT:
-$300 PER WEEK INCREASED UNEMPLOYMENT BENEFIT THROUGH MARCH 14TH.
This is expected to begin on December 26th, and what makes this unique is that this package also provides an EXTRA $100 per week for unemployed gig workers who earn money from both a standard w2 job, and from self employment.
-$25 BILLION DOLLARS FOR RENTAL ASSISTANCE
This potentially covers up to 12 months worth of rent…and, alongside with it, an eviction ban lasting through January 31. In order to actually GET the benefit - it’s going to be dispersed through your STATE, and then YOUR STATE will be the ones to allocate the money as needed.
- $600 STIMULUS CHECKS
In order to qualify for the $600 stimulus check - you must make under $75,000 if you’re single, or $150,000 if you’re married…and your total benefit is reduced by $5 for every $100 you make above that threshold. That means, if you make above $87,000 as a single person, or $174,000 as a married couple - you won’t get anything.
They’re going to be basing this on your 2019 tax return…and if you saw a reduction of income in 2020, you’ll get this amount back when you file THIS YEARS tax return. In addition to that, you’ll receive an ADDITIONAL $600 for each qualifying dependent UNDER the age of 17.
-$325 BILLION FOR SMALL BUSINESSES AND PPP FUNDING
For those that aren’t aware, the paycheck protection program is aimed at businesses - who are able to take out a low interest loan to help keep themselves afloat, and keep their employees on payroll. There are also certain provisions that say, if the money is spent on qualifying expenses - then the ENTIRE amount can be completely forgiven, meaning, they don’t have to pay it back…meaning, it’s basically free money for businesses.
-$82 BILLION ALLOCATED FOR SCHOOLS
-$69 BILLION FOR TESTING, HEALTH PROVIDERS, ETC
-$45 BILLION FOR TRANSPORTATION
-$26 BILLION FOR FOOD STAMPS, FARMERS, RANCHERS
-$15 Billion FOR LIVE EVENT VENUES
-$10 BILLION CHILDCARE ASSISTANCE
-$10 BILLION FUNDING FOR POSTAL SERVICE
Beyond that, we have:
-A BAN ON MOST SURPRISE MEDICAL BILLS
This is a VERY common practice in hospitals, and a VERY common tactic for insurance companies who refuse to pay for your services…so, now - thanks to this package - insurance companies will have to negotiate for those “out of network” costs beginning in 2022.
-$35 BILLION DOLLARS TOWARDS GREEN ENERGY AND RESEARCH
This is a BIG win for all you clean energy stock holders, who have all seen quite a big jump today in their share prices
-100% BUSINESS MEAL DEDUCTIONS
The goal is that this is going to encourage more business people to eat out, helping the restaurant industry - because now, it’s a 100% write off.
-PAYROLL TAX CAN BE PAID BACK AT END OF 2021
This won’t impact everyone, but if you had your payroll taxes deferred as both an employee or EMPLOYER…you now have until the end of 2021 to pay that back.
Even though this one isn’t as big as people had expected a few months ago, the “thinking” is that - most likely, there will be ANOTHER stimulus package in the future, and THAT will be more all-encompassing. This one is meant to keep us going just a little longer until vaccines start rolling out and things start getting back to normal, and then we can move forward with something else depending on what happens.
For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness @gmail.com
*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

What's up you guys, it's graham here, so it finally happened after months of waiting and hundreds of meet kevin videos later, which, admittedly, i watched pretty much all of them. A brand new stimulus package was just passed and sent off to the president to sign off on and what makes this stimulus package so different is that it's not just a proposal anymore. It's not something. That's drawn up by the house of representatives.

That's immediately going to get shut down and tossed out by the senate. This is as final as it could get with 900 billion dollars about to go into effect, including new stimulus checks and benefits to you if you qualify so without further ado. Let's talk about the biggest points that are most likely going to affect you in this 5500 page stimulus package, seriously it's over 5500 pages long, but it's written like how i would kind of structure my high school english essays with big font, lots of double spacing and Wide margins to make it seem longer than it actually is either way. There's a lot to cover, including when you're gon na be seeing the next stimulus check or continued unemployment benefits or potentially, if you would see rental assistance, but really quick before we begin.

If you wouldn't mind passing the like button by stimulating it for the youtube algorithm, it would help me out a lot no, but seriously. I'm testing this out by only asking you once to hit the like button throughout the entire video. So if you enjoy it, that's all i want that's it so with that said thanks so much and here's what's in the new bill, all right. So let's talk about the most important items of this package first and that begins with the increased unemployment benefit of 300.

A week until march 14 2021., now this one is very significant because as of right now, 6.7 percent of americans are unemployed and that number might even be higher in january as more businesses have shut down and ceased operations and have furloughed or laid off their employees. Now this one is definitely lower than the original 600 a week. Unemployment benefit that expired on july 31st, but at least 300 a week is an amount that both sides were able to agree on, and this is meant to last 11 weeks until march 14th, 2021. And if you find yourself recently unemployed in 2021, then this will be extended to april 5th.

And what makes this one unique is that this package also provides an extra 100 a week for unemployed gig workers who earn money from both the standard, w-2 job and from self-employment. That means that if you had a side hustle that saw a reduction in income and that money wouldn't be used to qualify towards normal unemployment. Well, in this case, it's taken into consideration and you might be able to get an extra 100 a week depending on your state. Now, in order to qualify, you need to have earned at least five thousand dollars in 2019 from self-employment income.

Now one more thing i want to mention is that these benefits are not retroactive, so if you've been unemployed these last few months, you're not just going to get one big lump sum paid up front to you now, even though technically this starts on december 26th, each State is going to be differently, so it could take some additional time to process all the claims. Second, we have 25 billion dollars worth of rental assistance, potentially covering up the 12 months worth of rent alongside an eviction ban until january 31st. 2021. The eviction ban is a simple one.
Prior to this, landlords were unable to evict their tenants earning under 99 000 a year through december 31 2020, who have been impacted by the illness. But with this new stimulus package, the ban was extended another month through january 31st, 2021, but where this starts to get interesting is within the details of the 25 billion package and here's what you need in order to qualify first, one or more members of your household Is qualified for unemployment benefits, experienced a reduction in income or experienced financial hardship due to the pandemic? Second, you could demonstrate a risk of housing instability through either a past due utility bill past due rent or an eviction notice, and you have a household income of no more than 80 to the area's median income. However, in order to actually get the benefit, that money is going to be going towards your state and then your state is going to be allocating that money as needed. They say that eligible households can receive up to 12 months worth of rent and potentially even up to 15 months worth of rent.

Overall, i do think this is really good for tenants, but i do think it's going to be challenging for states to coordinate this in an effort. That's both timely and thorough. I don't know how they could crack down on fraudulent claims, where one person just rents to a friend of theirs claims back, rent and then gets paid out by the government, while they split the profits and take money away from people who really need it. As with anything, i do think there are going to be cases like this that just slip through the cracks, but at the end of the day, it's really going to be up to the states to get this up and running as fast as possible before the january 31St eviction deadline and now, third, the one you've all been waiting for the additional 600 stimulus checks at the rate tesla stock is going.

This might soon be enough to purchase exactly one share of tesla coincidence, i think not okay, but for real. I know six hundred dollars is not quite what people expected. I'm sure a lot of people were holding out for twelve hundred dollar stimulus checks, but six hundred dollars is what's coming and hopefully between that and extra unemployment benefits and rental assistance. That should be enough to see through temporarily now, in order to qualify for the 600 stimulus check.

You must earn under 75 000 a year if you're, single or 150 thousand dollars as a married couple and that stimulus check amount is reduced by five dollars for every 100. You earn above that threshold. So if you're single earning 87 000 or if you're married earning 174 000, then unfortunately you're not going to get anything now in order for the government to calculate this, they're going to be going based off your 2019 tax return and if you saw a reduction of Income in 2020, then you would get this money back when you file your 2020 tax return now, in addition to this, you're also going to be receiving 600 per qualifying dependent under the age of 17 years old. As far as when you're going to be getting this money, steve mnuchin said that it could be as soon as next week since they already have nearly everyone on file from the last time.
But of course, as we all know, and have seen, not everything runs efficiently. So some people could see their payment a little bit later than expected, depending on how it's processed and fourth, we're not done yet. We got 325 billion dollars going towards small businesses, including 284 billion dollars, being allocated to the paycheck protection program. Now, for those not aware, the paycheck protection program is aimed to businesses who could take out a very low interest rate loan to keep themselves afloat and keep their employees on payroll.

There's also certain provisions in there which say that if the money is spent on qualified expenses, the entire amount could be forgiven, meaning they don't have to pay it back, meaning that's pretty much like free money. Now obviously, something like this is prime for fraud and there's some controversy over who previously took it. But this stimulus package allows for another round of funding for businesses who are in need of the money with a few extra little goodies thrown in now. They say that small businesses who took the first ppp loan and saw their revenues fall by 25, will be eligible for a second loan.

Congress is also going to allow ppp borrowers to take full business tax deductions, which is huge, that's kind of like saying. Here's a free hundred thousand dollars and you're still able to write off a hundred thousand dollars worth of qualifying business expenses to lower your tax bill, even though you just received a hundred thousand dollars that you're not going to have to pay back, i think the reason They did this is because technically the ppp is structured as a loan, meaning it technically has to be paid back. But if it's forgiven, then it's no longer on the book and you're still able to take your normal tax deductions as usual. Now here's the hard truth.

So far the stimulus package absolutely favors businesses over the individual. I think their logic is that if businesses have more money, they'll be able to stay afloat, they'll be able to employ more people, and that in turn, will flow back into your pockets. Eventually, in the long run and fifth, we got a whole bunch of other provisions in here which are very important to mention. We got 82 billion dollars being allocated for schools, so they could increase measures to keep everyone safe.
We got 69 billion dollars going towards testing vaccines and health providers that gives 30 billion dollars for vaccine distribution, 22 billion for testing and tracing 9 billion for health care providers and four and a half billion for mental health. Then we got 45 billion dollars spent towards transportation, that includes 15 billion for airline payroll support 10 billion for state highways, 2 billion for airports and 1 billion for amtrak. I think these are definitely the winners in this package, but their logic is that the airline and transportation industry is really the backbone of our entire economy, and without it we're much worse off. So we may as well just give them some money.

Then we got 26 billion dollars going towards increasing food stamp benefits by 15 and towards farmers and ranchers. Another 15 billion is going towards live event, venues movie, theaters and cultural institutions. 10 billion is going towards child care. Assistance 10 billion is going towards funding of the postal service, and then we got some very unusual things that were just slipped into this bill.

Some of these are good, and some of these make you just like scratch. Your head wondering why the first, which is a good thing, is a ban on most surprise medical bills. This is what happens when you go to the doctor in an emergency situation. They help you out and then months later, you're sent this massive bill, because the doctor who helped you out was not within your insurance network.

This is a very common practice in hospitals and a very common tactic for insurance companies to refuse to pay out to your claims. So now, thanks to this package, those insurance companies will have to negotiate for those out-of-network costs, beginning in 2022., there's also 35 billion dollars going towards clean energy development and research. This is a big win for anyone holding on to green energy stocks, which have seen a big jump today. Overall, i think the renewable energy market is going to be like the next big tech of the future, but it's a little weird how they put this in a relief package like this now.

This package also allows for 100 deductibility for business meals, also known as the three martini lunch tax break. Here's the thing as of right now, if you go to a restaurant and you have a business meal, you're only able to deduct 50 percent of that off. Your total income, but now that meal is 100 tax deductible, if you go to eat as a qualified business expense. The goal is that this would encourage more business people to go out to eat at restaurants, thereby helping out the restaurant industry by now, making it 100 tax deductible.
The fourth: this bill also gives more time to pay back the payroll tax deferral that went into effect earlier on in the year. This won't impact everybody, but if you had your payroll taxes deferred as both the employee or the employer, you're now going to have until the end of 2021 to pay that back and now on the more unusual side of things, there's a statement aiming to improve the Dialogue and cooperation between the united states and the dalai lama, and just to show that i'm not making it up it's right here on page 5095., maybe this was thrown in to make sure people are actually reading it, but i i don't know now another little thing That was just slipped in here to get through is what's called the trademark modernization act of 2020. without going into too much detail here. This allows copyright owners to enforce their trademarks more efficiently and now, because of that trademark, violation is now considered a felony.

Like you remember how twitch streamers could play a video game and then those video games are taken down as a copyright violation? Well now, potentially that's a felony subject to fines of between 15 and 30 000. Now some people interpret content creators as being exempt from this bill and that more so, it's aimed to weed out people who would just straight up repackage other people's work. But still most of this is really open to interpretation and it has the potential just to be abused. So, overall there you go.

It only took eight months, but we finally got another stimulus package now, even though this is not as big as people were expecting just a few months ago. The thinking is that most likely there could be another stimulus package coming in the future, and this one is just meant to temporarily hold us over. I think the biggest complaint with this so far is that there's a lot of information to go through and there is no way the senate was able to review all of this prior to approving it. So we're kind of at the mercy here just hoping the money is properly allocated.

But let me know your thoughts on all of this and what you think is 600 enough. Is this going to set us up for more inflation? Is the stock market going to keep going up because of it? And did you get your four free stocks down below in the description when you deposit 100 on weeble, because those stocks could potentially be worth up to 1 600 and that's pretty much like free money? So many questions, but i hope this is helpful and i hope this provides more clarification and context into exactly what's in the 900 billion dollar stimulus package. So with that said, you guys thank you so much for watching. I really appreciate it as always make sure to destroy the subscribe button, and the notification bell also feel free to add me on instagram, i posted pretty much daily.

So if you want to be a part of it, there feel free to add me there. As on my second channel, the gram stefan show i post there every single day - i'm not posting here. So if you want to see a brand new video for me every single day, make sure to add yourself to that. And lastly, if you guys want those four free stocks use, the link down below in the description weeble is going to be giving you four free stocks when you deposit 100, on the platform with those stocks potentially worth up to 1 600.
So at that point, like i said it's pretty much like free money. So if you like free money, use that link down below, let me know which stocks you get. Thank you so much for watching and until next time.

By Stock Chat

where the coffee is hot and so is the chat

27 thoughts on “The new $600 stimulus check | what you must know”
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    The unemployed number is artificially low. The states are all dragging their feet and not addressing people's claims. I put an UI claim in. In. October. And. Still. No. Communication. Also, that gig worker bonus base on at least $5k in 2019 is bullshit. A lot of people doing gig work now are doing it because of covid. That didn't really hit until 2020. So that means people who are struggling (me) are not getting unemployment because the state can keep UI numbers low by not acknowledging claims, I dont qualify for gig bonus because I didnt gig until 2020, and wont qualify for the PPP because I started a business in 2020 to have some income, and i wont reach the open time requirements. Maybe I'll just have to take a three martini lunch every day lol.

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  16. Avataaar/Circle Created with python_avatars Timothy Vaughn says:

    Question? I moved out on my own at the bogging of last year I’m 23. My parents still had me as an independent even thought I’m not. I didn’t get the last stimulus check will I qualify for this one? It’s been tough making ends meat.

  17. Avataaar/Circle Created with python_avatars Abdul Farah says:

    Now this country differently needs a revolution Americans are being hunted by the IRS and the United States government is given trillions of dollars to other nations. I swear Americans made a mistake went they voted against Donald Trump with all the headache I went through with Donald Trump as American Muslim at least other nations were not taking our Taxes for free.

  18. Avataaar/Circle Created with python_avatars YoniNadi says:

    I have received my $600 stimulus check by electronic payment; and I’m planning to purchase a new play station five in a game stop store!

  19. Avataaar/Circle Created with python_avatars Aurel Fitriyani says:

    Lot's of people thinking 🤔 how they're going to spend the mere $600 .. last $2400 i gave it to Tesla.. it's now $18000

  20. Avataaar/Circle Created with python_avatars Hola! jarlaxel says:

    Regarding writing off the money spent from the PPP loan from your taxes; When your PPP loan is forgiven, doesn't that forgiveness then count as income? If so, of course it makes sense that the PPP money spent can be a write off and it isn't as great of a benefit as it sounds on the surface.

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  22. Avataaar/Circle Created with python_avatars Gabe Morante says:

    Definitely too much money being injected into the economy just look at the m2 supply and the m2 velocity… this is gonna lead to massive inflation. However for the time being it will keep the stock market going up

  23. Avataaar/Circle Created with python_avatars Dakota McCaw says:

    I’m sick of people complaining about the lower stimulus and the lower unemployment amount. Even at a max unemployment in New York PLUS an extra 300 a week is still $800 a week, working more than full time at Walmart I make more than $200 less than that. But I’m not aloud to leave work an collect unemployment or I’d lose my job and not qualify

  24. Avataaar/Circle Created with python_avatars Marylee Espinoza says:

    I have had the huge emergency bill come months later – from something that happened in May come in November – while the small bills had came in. Too many discounts from paying out of pocket so keeping out of useless insurance companies for now. (Monthly payments)

  25. Avataaar/Circle Created with python_avatars Amy McLean says:

    I freaking hate when politicians sneak a bunch of crap into a bill that is irrelevant to that bills subject. A copyright law? What does that have to do with stimulus? If it's an important issue then make it it's own bill and pass it transparently! This isn't a left or right issue, both sides do this crap.

  26. Avataaar/Circle Created with python_avatars Andrew Hossenlopp says:

    Hey graham, your channel is incredibly informative, could you please evaluate the pros and cons of the va loan vs conventional?

  27. Avataaar/Circle Created with python_avatars 90degreesbelow says:

    Hey Graham, no one finds info and knows a good deal like you. I have been involved in following your advice for 2 years. I’m also a filmmaker/rapper and I’m thinking of creating an account with ‘United Masters’ I know this isn’t your core audience but I was hoping you could do a skim through of the fine print and let us know how anything that we may have skipped over or let us know if is a good deal. Thank you, and yes I smashed the like button•

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