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Re: Selling on Amazon Master Thread Ed Rosenberg ASGTG.COM. He is expensive but delivers
January 06, 2018, 10:24:08 PM
Re: Stocks I dont know why you had to wait for the dip to get this major opportunuity when on Jan 18-3 weeks ago you could of bought it for the same price. and if than the underlyings didnt push you to buy it than, what exactly changed in this 3 weeks....?
February 09, 2018, 01:29:54 PM
Re: Stocks Everything nice said but the maid difference is... That MSFT back than as well GOOG now are cash cows generating billions of dollars in profit so even after the fines on GOOG or the Anti Trust by MSFT they are just slowing down and not continuing full force vs, AMZN which needs to continue full force in order to justify theit stock price trading at 100's of multiples So even if it wont bankrupt them it could have a HUUUUGE inpact on stock price
(I dont predict it but.....)

March 29, 2018, 02:53:41 AM
Re: Selling on Amazon Master Thread SO I guess the spike was more on all the free pampers and wipes that @Dan stocked up on ;D
July 18, 2018, 11:27:39 PM
Re: Stocks
True that.
We can understand the concept of it. On pen and paper. Where the profit is is the problem. But it's had some nice runs, the question is if we'll see one of those, and what's next as far as a potential buyout, or bankruptcy. If you look at it the daily volume there is amusing.
Its for sure amusing when someone else owns it, not yourself ;)

August 13, 2018, 08:33:26 PM
Re: "Tell me' information hotline  Tellme may still be accessed by dialing (866) 895-3124 toll-free,
February 12, 2020, 08:19:05 PM
Re: Places that have necessities still in stock
Along with everything else in your house.. at least they have firsthand knowledge of what works here!
sure they know what works. put a mask on your mouth and dont tell the truth. if not they have a "2ND" amendment. :o

April 19, 2020, 01:35:41 PM
Re: SBA PPP and EIDL Small Business Loans (some money is forgivable)
In that case, you probably would want a letter every month acknowledging the school's hard times and deficits with maybe you showing how you can relieve the strain on the school -(which nevermind, needs to fundraise to close the gap in tuition for all of us.)
It is mind boggling watching the kochos, mesiras nefesh and stress which goes into running the finances of a school on a daily basis!

April 21, 2020, 12:13:14 PM
Re: Unemployment Help
Correct. You're only eligible for standard UI or PUA based on employment history. You can't jump around between the two.
WHy not?
Originaly my Employer fired me because no work, now he is open again nut I cant go because school closure, why do you think that can't change?
I'm not asking opinions want to know if someone knows facts

April 22, 2020, 04:03:29 PM
Re: Unemployment Help HERE I GOT IT!!!!!!!!!!

I was furloughed by my employer, but they have now reopened and asked me to return to my job. Can I remain on unemployment?
No. As a general matter, individuals receiving regular unemployment compensation must act upon any referral to suitable employment and must accept any offer of suitable employment. Barring unusual circumstances, a request that a furloughed employee return to his or her job very likely constitutes an offer of suitable employment that the employee must accept.

While eligibility for PUA does not turn on whether an individual is actively seeking work, it does require that the individual be unemployed, partially employed, or unable or unavailable to work due to certain circumstances that are a direct result of COVID-19 or the COVID-19 public health emergency. In the situation outlined here, an employee who had been furloughed because his or her employer has closed the place of employment would potentially be eligible for PUA while the employer remained closed, assuming the closure was a direct result of the COVID-19 public health emergency and other qualifying conditions are satisfied. However, as soon as the business reopens and the employee is recalled for work, as in the example above, eligibility for PUA would cease unless the individual could identify some other qualifying circumstance outlined in the CARES Act.

April 22, 2020, 04:28:08 PM
Re: SBA PPP and EIDL Small Business Loans (some money is forgivable)
Can a forgiven loan be considered taxable?

Any amount of loan forgiven as part of the PPP is excluded from gross income, and as such, is not taxable.

The Question is if the expenses will also be deductible

April 26, 2020, 07:11:49 PM
Re: SBA PPP and EIDL Small Business Loans (some money is forgivable)
Shkoyach! Applied and got a (Dime) Loan Number below 2,000, sounds promising. I wonder how many loan officers they have handing PPPs. Was advised that a loan officer would be in touch.

Very much so. More complicated application that Kabbage (at least for independent contractor), but the Sage platform they're using was smooth.
Just got an SBA approval number from Dime. My application # was in the 1400's

April 28, 2020, 11:13:28 AM
Re: SBA PPP and EIDL Small Business Loans (some money is forgivable) Thank you for applying for the Paycheck Protection Program Loan through PayPal. 

We submitted your completed application to the SBA and have received a response from the SBA indicating another provider has already secured a PPP loan for your business/organization. Each business entity can only receive one PPP loan. Therefore, we will not be able to continue the processing of your loan application.

If you do not have an approved Paycheck Protection Program Loan through another provider, please click here to provide your feedback so that we can follow-up as appropriate.

Thank you.


The PayPal Business Financing Solutions Team

May 03, 2020, 09:38:40 PM
Re: SBA PPP and EIDL Small Business Loans (some money is forgivable) If this is true than all ppl who are going to have a separate account to keep tab, will still have to divide the IRS tax withholdings as part of it will be forgivable (Federal Tax) and part not (FICA)
May 04, 2020, 01:55:20 PM
Re: SBA PPP and EIDL Small Business Loans (some money is forgivable)
Yes, my corp pays me a W-2 salary -- and any profit is a distribution (K-1). Loan amount is based on the 2019 W-2's. Forgiveness and loan amount have different rules, as we all know.
If you had W-2 than I think you can use all for payroll

May 06, 2020, 12:48:53 PM
Re: SBA PPP and EIDL Small Business Loans (some money is forgivable)
Agreed. So you think that there will end up being forgiveness even if it's 73-74%? Or do you think they won't be strict on 8/52? My accountant thinks the latter, even though they are writing the opposite. Who knows...
There is no such rule. The rule Whatever you spend on payroll is forgiven, If its 20% 50% or 70% or 100%. Just if you spend only 50% on payroll, the other part wont be forgive only up to 25% of payroll amount. Another rule is that self employed can only use 8/52 on payroll but again, whatever you spend on payroll, w-2 up to 100% SE up to 8/52 is forgiven, no matter what you do with other part

May 11, 2020, 09:33:19 AM
Re: Unemployment Help URGENT!

SUBJECT LINE IS "Action Required - NYS DOL Certification for Back Week Payments"

NYS Department of Labor via DocuSign <>

May 18, 2020, 12:06:35 AM
Re: SBA PPP and EIDL Small Business Loans (some money is forgivable)
Now that it seems clear that an independent contractor will need to show documentation/proof of payment of 8/52 in order for that part to be forgiven, would only cutting a check work? Or would a bank transfer work just as well...?
Documentation needed

In addition to the application itself, you will need to submit some documentation. You must also keep these documents for “for six years after the date the loan is forgiven or repaid in full, and permit authorized representatives of SBA, including representatives of its Office of Inspector General, to access such files upon request.”

Here's what you need:

For Payroll

Nothing! The SBA didn’t list any documentation needed for people without employees. You had to submit your schedule C with your application, so they have the document that they need to confirm what you pay yourself.

Dont know if you also dont need to write the check, or you just dont have to submit the proof

May 19, 2020, 03:06:01 PM
Re: SBA PPP and EIDL Small Business Loans (some money is forgivable) PPP Program has no requirement that employees should work, the same as a clothing store that is completely closed is entitled to pay his employees even as they don't wotk, he is entitled to hire his wife as an employee and pay her without working. It is not a scam and it is not illegal.
Yes the government sometime has non-sense rules but that's why it is called government.
The same is true to a self employed individual who worked the last month in 2019 and had $100 income for 2019, if he is currently unemployed he can receive $3,000 a month in unemployment.

Correct it is non-sense but it is legal, not every non-sense rule from the gov become illegal

May 20, 2020, 08:37:41 PM
Re: SBA PPP and EIDL Small Business Loans (some money is forgivable) BREAKING NEWS!

May 22, 2020, 03:18:02 AM
Re: SBA PPP and EIDL Small Business Loans (some money is forgivable)
That’s what I thought. Exciting, but I’m not sure what this means for 8/52 people like me, possibly nothing significant, would love to be wrong and hear good news.

Also wondering, if what passed is the 24 week thing, could people on PUA still finish their PPP in 8 weeks and get back on claiming PUA 8 weeks later, or not?
You can do the other way,
Claim now backpay from Unemployment, PPP you can use after July 31

June 04, 2020, 08:50:17 AM
Re: SBA PPP and EIDL Small Business Loans (some money is forgivable)
Helping someone with an EIDL. He just received his loan docs and his loan amount is 25k.
His 2019 revenue was 250k+, no COGS. He entered 26k as "Lost Rent" disaster effect.
Any way to get his loan increased to 150k? Can agents increase loans?
Additionally, you may request a loan increase for additional disaster-related damages as soon as the need for additional funds is discovered. However, the SBA will not consider a request for a loan increase received more than two years from the date of loan approval unless, “there are extraordinary and unforeseeable circumstances beyond the control of the borrower.”

June 16, 2020, 02:46:13 PM
Re: SBA PPP and EIDL Small Business Loans (some money is forgivable)
You got your PPP loan from Dime, considering what they did with processing I’m not too hopeful forgiveness will be a quick or painless process for you. Personally I’m skeptical even with the “easier” banks/platforms.
Sorry but this is called paranoid.
#1 as I wrote already upthread I had the best experience with Dime as they included all my retirement income vs kabbage did not. It just takes them long to process which is frustrating but it was worth the wait to receive additional 24K.
#2 I have regular payroll not SE. with 24 weeks I just submit my payroll report

June 16, 2020, 03:16:39 PM
Re: SBA PPP and EIDL Small Business Loans (some money is forgivable)
Dont know what the SBA thinks when they are asking ppl to sign on the EIDL loan docs the following paragraph for the next 30 years....
Maybe they can just build a prison gate around USA or a Mexican wall...

·        Borrower will not, without the prior written consent of SBA, make any distribution of Borrower’s assets, or give
any preferential treatment, make any advance, directly or indirectly, by way of loan, gift, bonus, or otherwise, to
any owner or partner or any of its employees, or to any company directly or indirectly controlling or affiliated
with or controlled by Borrower, or any other company.
Anyone has a legal opinion on this section?

June 21, 2020, 02:25:00 PM

Dear ......,
Per SBA guidance, lenders are not able to obtain PPP-SBA numbers after June 30th. If you have not supplied all required documentation to support your application, please do so as soon as possible. We will be working diligently to process all applications that are active and have supplied all required documentation.

June 25, 2020, 03:23:46 PM
Re: SBA PPP and EIDL Small Business Loans (some money is forgivable)
Can one use EIDL loan funds for payroll?
Yes. but not the same payroll that you used PPP funds for

June 25, 2020, 03:41:31 PM
Re: SBA PPP and EIDL Small Business Loans (some money is forgivable)
Meaning payroll that covers different dates would be ok?
For ex, if the PPP funds were used to pay employees from April - May 25th, can I use EIDL loan funds from May 26 and on?

Thank you for your replies.

June 25, 2020, 03:55:26 PM
Re: SBA PPP and EIDL Small Business Loans (some money is forgivable)
The chart give you the basics- Microloans generally have the shortest term but also has the smallest maximum loan...

You'd also want something with no prepayment penalty if you just want the loan for the 6 months of free money and then pay it all off once you need to start footing the bill...

Question- if I get a 50k microloan with a 6 month term, does that mean the SBA just gave me 50k straight up?

Intermediaries are prohibited from considering the availability of Section 1112 payments in establishing the repayment schedule or the loan term of any microloan. The repayment schedule and the loan term must be established as if no section 1112 payments would be made.  Intermediaries may not intentionally shortenloan termsso that Section 1112 payments pay all or a substantial portion of the loan principal.SBA expects Intermediaries to establish the loan maturity for each microloan consistent with the Intermediary’s microloans approved prior to the COVID-19 emergency.

In addition, Intermediariesare prohibited from underwriting any new microloanthrough September 27, 2020 with a maturity of six months or less.  SBA will be making the section 1112 payments on new loans for six months and, if the new loan has a maturity of six months or less, SBA would not be providing just short-term debt relief to the borrower, but would effectively be providing a grant to the borrower, which is not the purpose of section 1112.

June 26, 2020, 02:25:32 AM
Re: SBA PPP and EIDL Small Business Loans (some money is forgivable) Kabbage is still accepting PPP applications till midnight. Someone applied today and had an approval within 3 hours.
התורה חסה על ממונם של ישראל

June 28, 2020, 07:42:44 PM
Re: NY Rent Assistance Program
Is this a savior also for frum building landlords who aren't getting any rent now?
The mentality is already broken. Most (Not all) of those people not paying rent now, received in the past few months more income than the whole year, from Stimulus, Unemployment, Snap, Food Programs, PPP, EIDL, etc, They just don't pay rent because Cuomo/Di-Blasio/Cortez said not to pay rent, and this mentality will stay forever now

July 15, 2020, 01:32:57 AM
Re: "Tell me' information hotline Dead :-[
July 22, 2020, 02:05:35 PM
Re: SBA PPP and EIDL Small Business Loans (some money is forgivable)
Don't we all ;D

Although personally I don't support that move. The whole point of the program was to ensure that employees are rehired- it clearly didn't achieve what it was supposed to- too many loopholes and the covered term was extended for way too long. Let there at least be oversight to ensure some accountability.
Thats why we didn't vote you into the government just some other dummies. We don't need there people with common sense.....

July 27, 2020, 02:00:19 PM
Re: New Chassidish Community Being Planned in Tampa
ויישן ויחלום שנית
pls............ we need more parking spaces in BP! need to push ppl to make the move for our "MUTUAL" benefit

July 27, 2020, 11:06:18 PM
Re: New Chassidish Community Being Planned in Tampa
what do you call decent salary?
HAMASPIK, YELED VYALDA, and all other multiple organizations which provide payrolls to 1000's of heimishe families (YES LIBERAL NY FROM OUR TAXES BUT ENDS UP IN HEIMISHE FAMILIES POCKETS)

July 29, 2020, 12:08:28 AM
Re: New Chassidish Community Being Planned in Tampa
It is on the front page of ami living this week

the article claims 500 committed people boy did the commitments pile on in the last few days  :)

I'm just curious What is in it for the pioneering rabbi and rebbetzin  is it lshem shamayim   or do they have a financial incentive from a developer builder etc.  or is it the opportunity to be the main  mashpia on a new community or something else
I hope they are in for business reasons. The only way it should succeed is with someone having a financial gain on this

July 29, 2020, 01:40:37 PM
Re: SBA PPP and EIDL Small Business Loans (some money is forgivable)
Aren't they just the middleman between the Fed government and the business? And they just get a fee
Dont think so. the 1% interest goes to the bank not to the federal govt. Its just guaranteed by govt. If its forgiven than technically you wont pay any interest, just if they dont have heter iska than maybe you are not allowed to sign the loan agreement

August 07, 2020, 03:43:24 PM
Re: SBA PPP and EIDL Small Business Loans (some money is forgivable)
:) you want to make the claim that PPP, funds the government set aside to keep people off unemployment, should not count towards unemployment?  :)
I'm not claiming anything I'm just writing facts. PPP to a SP is structured as a loan from the govt for which the repayment requirement has automatically been canceled therefore it stays in the SP personal bank account. A SP that receives a loan from his CC company and than he settles with CC company on the loan amount does it affect his ability for unemployment? I believe that NO.

(Don't speak to me about government intentions because what was the govt intention by giving $3500 a month unemployment benefits to someone who loosed his $1,000 monthly job!!!!!! :P)

August 14, 2020, 09:52:23 AM
Re: Unemployment Help
If instead of #MurphyResign will be #LakewoodVotes the story would be different........... :'(

August 18, 2020, 01:24:52 AM
Re: New Chassidish Community Being Planned in Tampa
Sorry but DR HUrton has $20 Billion sales a year.....   where exactly is your leverage
For 2019

Homes closed ............................................................ 56,975
Homes in inventory .................................................... 27,700
Land/lots owned ....................................................... 121,400
Lots controlled under purchase contracts ................. 185,900

October 26, 2020, 11:56:51 PM
Re: New Chassidish Community Being Planned in Tampa
This thread has piqued my curiosity. I wonder where the interest level would be for a well-thought out development near Orlando with larger houses for around $400k-500k. Benefits would be being close to MCO for cheap and easy travel, closer to South FL (easier on food logistics), prior familiarity with the area with all the tourists, infrastructure sustainability because of tourism (restaurants, grocery, etc.), and business opportunities catering to those tourists. It would probably take an extra year or 2 to get off the ground. Just random late night thoughts.
or extra 3-4-5- years... Dont know how the FL DOB behaves but I believe its still a govt agency. 
For heavens sake all ideas are EXCELLENT ideas but if this person has a following that will go for this than let him build it and after that he/you can try all other great ideas... If it wont succeed he you can still try all other ideas but no reason to put this on hold because you think this is better...

October 27, 2020, 12:50:03 AM
Re: New Chassidish Community Being Planned in Tampa Lakewood chasidishe community also started with Belz building small 2K sq feet houses in Harmony Park, and look how many chasidishe families moved out there in all other developments... we need a 1st one, don't need a perfect one
October 27, 2020, 12:52:13 AM
Re: New Chassidish Community Being Planned in Tampa Its all very legit concerns, but for the person with 5 kids living in a 2 BR apt in Brooklyn 975 sq ft total with no bathroom in master BR (which is 9 * 9 sq ft big) and no playroom and no living space and has only $40k-50k saved for down payment (from unemployment that he filed for himself and his wife :-*), He should wait another few years in his cramped apt because MAYBE someone will have to offer a bathtub and playroom is.............

October 27, 2020, 02:36:42 PM
Re: New Chassidish Community Being Planned in Tampa
Instead you'll shvitz through your clothes walking to shul or anywhere for 8 months of the year.
Or shvitz 12 months a yr in NYC on how to cover the bank

October 27, 2020, 08:21:40 PM
Re: New Chassidish Community Being Planned in Tampa
How is tuition free?
No Idea. Was just advertised that there is school choice program in FL if its not true than pls update

October 27, 2020, 10:55:07 PM
Re: Czar Cuomo
Yea that's the only thing that may change. Because who has a problem with him limiting supermarkets and banks, NY'ers are willing, able and ready to bear with it, he sure has a free pass for that too. So basically there is no real change here ::) ::)
In Willi BP Monsey it anyway doesnt matter as we are following already the constitution for a few months.... The main takeaway from this ruling is that Lord Cuomo is not the boss anymore.

November 26, 2020, 02:22:53 AM
Re: Coronavirus Stimulus Aid Package
I don't disagree, but don't forget handouts are a fundamentally democratic agenda
Both are for Handouts, only difference is:

R' handouts are to help people who are poor D' handouts are to help people stay poor

December 25, 2020, 02:38:56 PM
Re: Coronavirus Stimulus Aid Package Can we please take back this thread to "Coronavirus Stimulus Aid Package" and have all political conversations/predictions/foolishnesses transferred to the political threads? Thanks
December 27, 2020, 08:25:42 PM
Coronavirus Stimulus Aid Package Political Aspects Continue on the current road for another 2,000,000 miles, your destination is on the Right/Left/Center/Upwards/Down
December 27, 2020, 11:34:48 PM
Re: Coronavirus Stimulus Aid Package
The only reason they needed to include 2018 is because last time around it was before the filing deadline for 2019.
But with the IRS not processing mailed in returns over the past 6 months it will effect a lot of ppl if it's true

December 30, 2020, 08:05:30 PM
Re: Czar Cuomo While we can all argue here, The DATA and SCIENCE is definitely on his side as thru the whole pandemic. :-[
January 05, 2021, 01:05:03 AM