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Re: Lakewood Luxury Lifestyles
The way I see it is that the median lifestyle spending is based on a 180k income. (Median - many spend way more).

There's no way that 180k is the median salary. CMIIW?

Just readind this for the first time. I live in Lakewood and am 25 years old, married 3 years already. I started working for $800 two and half years ago, finished an online masters (BA from Yeshiva) in the meantime and now get paid $120K annual, same company (I commute to the City). My wide started at $500 a week, and now makes $1000 and is due for a raise, she only works because we have just one baby. My company pays for top health insurance, commute, phone, and 5% 401K. I drive an Accord, bought a house in a development and live in basement because I don't need the space. I'm saving a solid $50k a year in a non volatile investment account and made 11% in the bull run this year (long may it last!). At this rate I'll be making more than enough to afford anything in the VOL, yet I feel its a huge waste of money. Maybe that's become I'm out of towner.

The way I see it is that some guys go into Real Estate etc. and make "fast money" and spend it all, and if they can keep it up very good, but as these things are very volatile there are bound to be hard times, and there's no safety net and they just cant stop spending nebach...

September 04, 2017, 11:01:16 AM
Re: Short/Long term apartment rentals in Israel Master Thread להשכרה דירות פאר בשנלר החדשה - מרום ירושלים

51 מטר סטודיו. קומת כניסה, חצר פרטי ענקית. 2 ו1/2 חדרים. מרוהטת. מתאים לגוז צעיר. 5,900 ש״ח

65 מטר, נוף מדהים. 3 חדרים, מרוהטת. מתאים לגוז צעיר. 7,000 ש״ח

126 מטר, דירת פאר ברמה, קומת כניסה, חצר פרטי ענקית של 54 מטר, שלש כיווני אויר, 4 חדרים. 13,000 ש״ח

142 מטר, דירת פאר ברמה, נוף פנורמי, שלש כיווני אויר, סלון ענקית. 4 ו1/2 חדרים ומרפסת. מרוהטת, מטבח יוקרתי. 15,000 ש״ח

For Rent Brand New Luxury Apartments in the new Schneller - Merom Yerushalayim.

51 SqM Studio. Ground floor, huge private yard. 2 & 1/2 rooms, suitable for young couple, fully furnished with appliances. 5,900 NIS

65 SqM, amazing view. 3 rooms, suitable for young couple, fully furnished with appliances. 7,000 NIS

126 SqM, very luxurious apartment, ground floor, huge private yard of 54 SqM, three directions of air, 4 rooms. 13,000 NIS

142 SqM, very luxurious apartment, panoramic view, three directions, huge living room, imported luxurious kitchen and appliances. 4 & 1/2 rooms and a balcony, fully furnished. 15,000 NIS


October 08, 2017, 04:49:42 PM
Re: Prison Sorry to OT here, but what happened next? Holding by just let on bail...
December 04, 2017, 02:18:53 PM
Re: If You Could Ask El Al Management One Question... If they can bring back the Sefer Torah on the flights departing NYC Sunday & Wednesday and Erev Rosh Chodesh nights (and Chanuka Chol Hamoed etc)

Designate an area and time for prayers, as not to cause heartache to those not interested, and to allow people in Business First to participate, knowing the timing.

Understand our needs re carriages and car seats and bassinets, and explain those policies clearly so that there is no bad feelings.

July 22, 2018, 02:29:57 PM
Re: US Politics/2016 Election Pick Your Poison Master Thread
That is why I was glad to see the D's take the house. Never a good thing for one party to control everything.

Correct, but only in an era of normalcy. The D's won't extend any olive branches here. We are headed for two years of subpoenas, investigations, accusations etc. while the whole world laughs even harder...

November 07, 2018, 12:54:49 PM
Re: Live Antarctica Trip Report When I was a kid in Toronto our whole class wrote letters to Harper. I asked him to petition Bush to free Samet. Was the only kid to get back a response- handwritten from beginning to end. He really is a class act!

December 11, 2018, 11:27:00 PM
Re: New amex Hilton offer 150k
Oh I see now. OP only has SPG (Marriott) as the other card. That cannot refer to Hilton.

So I used my Amex Business Blue... 15K MR.

Thanks all!

December 18, 2018, 01:22:56 PM
Re: New amex Hilton offer 150k
I thought SPG was the only Amex Card you had?

Or did you mean personal?

My wife has the Business Blue Plus (downgraded from a BizPlat)

December 18, 2018, 01:28:56 PM
Re: New amex Hilton offer 150k
I think there's a misunderstanding/mistake here, because I don't think that's possible.

The phone agent figured it out, so I can keep my MR balance. There was no second pull.

December 18, 2018, 03:52:49 PM
Re: The Dream Raffle But the developer is selling these size units for $650K! I understand they can exaggerate a bit especially as itís Jerusalem Real Estate, but to add $350K is very misleading.
December 18, 2018, 11:51:08 PM
Re: New amex Hilton offer 150k So is this $100 good for Breakfast/Restaurant at the WAJ?

Doesn't say Resorts, just "Waldorf Astoria and Conrad".

December 19, 2018, 02:10:35 PM
Re: New amex Hilton offer 150k Maybe. But for restaurant/Shabbos Meals?
December 19, 2018, 04:09:16 PM
Re: Airline Compensation Master Thread Airline: AC
Flight: LHR-YYZ
Class: Y
Incident: Cancelled flight, accommodated 6 hours later
Compensation: $1,300 CAD AC voucher. x4 pax

December 30, 2018, 11:18:34 PM
Re: Jet Charters
What is your point. Why did you open this topic ?

He obviously wants to arrange some Eastern Europe trip and needs help.

January 06, 2019, 12:41:49 PM
Re: PSA: Don't swipe recklessly for others
Not sure if this post is meant to be sarcastic or not.... but if I understood the story correctly they never asked to borrow money from their victims.

Not sarcastic at all. They had investors, and basically they came knocking, so in order to keep the place running, they borrowed on peoples cards.

Business School should be mandatory for every single guy who wants to go into "געשעפטן", as much as Yeshivah is.

January 22, 2019, 05:51:02 PM
Re: PSA: Don't swipe recklessly for others
I dunno who you know. But I know many more than 10 ppl

Good for you. Maybe I'm naÔve, but I've seen enough.

Even with 5% margins, and I'm referring to NI margins, (Chareidim just don't seem to get the difference between Gross Margin and Net Income), and 25% Inventory stocking, and an investor for 10%, you're -19.5% cash flow before you open shop.

But people live in LaLa land.

January 22, 2019, 07:51:47 PM
Re: St. Regis Bal Harbour Exactly. This thread made my Yeshiva Week
January 24, 2019, 04:47:02 PM
Re: Buying a house in Israel I do lots of this (sell houses in Israel). Most of my non-Israeli clients usually pay the full price in cash, no financing in Israel, and usually refinanced some property in the USA, where terms are way better for them.

Those that did take mortgages needed to put down 50%. I never yet had a closing in Israel for a foreigner where the bank paid me more than 50%.

Now that I think about it, I never sold to an Oleh, so that may be different.

Israelis have some great mortgage products, low rates & fees, but underwriting is very strict. And almost all loans are "Tzamud LaMadad", meaning variable, but not terribly so.

February 07, 2019, 11:07:46 AM
Re: PSA: Don't swipe recklessly for others I worked for the CH people GN, LH & SS. I forecasted over 2 years ago that the model didnít hold water and I left. Yet they are not scammers, just uneducated & inexperienced yeshivish ppl. A ddms post bashing them as ponzi perpetrators would be pure motzei Shem ra. End of the day itís the idiots who forked over cash and credit cards who are ultimately responsible for their lack of basic investing knowledge.

A better idea for a ddms post is investment advice:

A) Never invest with someone who has no skin in the game.
B) Never invest money you canít afford to lose.
C) Run every investment by a certified investment advisor (CFA, CFP, at a least a CPA) before investing. Retaining a due diligence company is also advised.
D) Have a lawyer draw up a detailed agreement with all investment details and waterfall.
E) Tip: Never invest with someone under 30, or with someone whose last venture or two went bust.
F) If youíre not an investment professional, putting whatever money you have available to invest in a S&P 500 MF or ETF is your best bet at investing, and stay focused on your day job/business and seek growth there.

February 10, 2019, 09:34:43 PM
Re: PSA: Don't swipe recklessly for others
I know legitimate businesses that you 'cc swiping' as a partial form of working capital.
Then they are not legitimate businesses. Period.
And you should probably get to know some other businesses, before you become (or continue to be) a korban.

February 10, 2019, 09:37:19 PM
Re: PSA: Don't swipe recklessly for others
All good and sound advice except for -Never invest with someone under 30-age has nothing to do with it, there are successful young entrepreneurs as many as old fools :)

Ludmilla, you are a voice of reason and I respect every comment you make in these forums and am honored by your agreement to my post.

But believe me, this under 30 thing is very true in our Chareidi communities. Probably due to the fact that most people rely on ďgetting experienceĒ vs getting educated (aka ďIíll learn on the jobĒ). The guys youíre referring to are Harvard dropouts, not BMG or Monroe grads.

February 10, 2019, 09:44:37 PM
Re: PSA: Don't swipe recklessly for others
The only advice here that matters is to never invest money you canít afford to lose.

I disagree about the others. I think the people that became billionaires from investing with Zuckerberg would disagree with you.

Do you understand that Zuckerberg got into Harvard on a full scholarship? That he only took on investors once his platform had tens of millions of users? Are you comparing him to every joe out of Kolel? Seriously!

February 10, 2019, 09:49:18 PM
Re: PSA: Don't swipe recklessly for others
How did you warn people ? Just people you knew ?
Should the scammer go to jail ?
What did the scammers say to you when you confronted them that their method wouldnít work ?

When I was there funding was from a group of investors. Whoever asked my opinion I said to not invest more.

Remember this was a legitimate business, not a Ponzi scheme. They should not go to jail. Theyíre response to my concerns was ďyouíre an employee, weíre The bosses, this is how we do things etc.Ē

Remember, hindsight is 20-20. Before this all blew up there was no way of knowing Iíd be right. Iím actually sad I was.

Many very successful businessmen make grave mistakes and take fortunes with them to the bottom. Just because an analyst tucked away at some ratings firm voiced concern once doesnít mean it was a scam all along.

February 10, 2019, 10:05:17 PM
Re: PSA: Don't swipe recklessly for others
Any more cases like this?

Did a scary lady call you about lahyuhs in suits yet for posting this?

February 12, 2019, 02:12:31 PM
Re: Lakewood NJ Master Thread
Is this the same business which you had considered to be mismanaged?


February 14, 2019, 12:48:24 PM
Re: PSA: Don't swipe recklessly for others During my days at Sterling I had some time on my hands. My job consisted of very basic bookkeeping on excel sheets, otherwise there wasnít much work that our inventory software didnít do for us, except during tax season. (Another reason I left, and why I wasnít replaced until a few months ago).

Anyways I spent time reading these forums. When I found the Sungames thread I was enthralled, read it from start to end, which took me 2 days! (I knew shimino1 personally so really found it entertaining).

I then remember thinking, yikes, Iím sitting at a Sungames in the making, if things continue in certain ways. Itís so saddening to see ďthe endĒ. The owners were wonderful hardworking yidden who would run away from even a Chasash of Gezel. They didnít take anything for themselves, they lived on the bare minimum. Most employees were getting paid more, which was kind of ridiculous, but they wanted to sacrifice in order to build. I hope everyone, including them, come out bíshalom. If there is a process in the making which can solve something, it should be at least given a try, itís the best bad option right now. All the hate definitely wonít help and will make things worse.

February 18, 2019, 12:23:32 AM
Re: PSA: Don't swipe recklessly for others
+1 @yesitsme can you elaborate a bit more about the operation? Was the retail store itself profitable, or was it just a front for other businesses like Amazon etc?

The store was profitable enough to pay a decent profit to the owners. A few good management decisions had been taken about 3 - 4 years ago to get it there. A small business, friendly service, part of the community, run by great guys.

Now one employee at the store began selling stuff online from the basement. They were very successful. They expanded - to a warehouse in Lakewood -, hired guys - working "virtually" (not in Lakewood) - to manage the Amazon accounts (buyers basically), and took investors - (or people they believed had access to investors) - money to fund purchases.

A lot, if not most of products were giving amazing returns. However, a lot sat in inventory and wouldn't move. Some sold for cost, or even a bit less. Also, no star product would last a decent cycle. A certain anonymous vendor came onto the listings of a great line and basically wiped away the micro-industry. The competition on Amazon is so fierce it's scary. So the profits were being used to run operations, while the warehouse became overloaded and inventory was ignored - especially on the financial statements.

Everyone involved was promised "commissions", basically a waterfall from the "profits". It was my job to calculate what the profits per Amazon account was. However, investors were promised a 10% ROE, plus a percentage of the profits (obviously the owners had no idea how to differentiate between a "loan" and an "investment"). The account manager got decent wages (paid by Sterling), and 10% of the profits. Yet inventory was never accounted for. So a buyer could spend $200K on various goods, and turn over $100K of it for $150K. Now the $50K profit got divvied up, but the $100K that didn't sell (and in my opinion, never will) sat. The right place for this would be a $100K write-off, but the only books it would go on were Sterling's. The buyers and investors were doing great! The buyers got paid quarterly, the investors got great Excel sheets, and Sterling was running out of money.

Eventually, such an operation will run out of cash. Also, towards the end of my tenure, the owners began buying up different businesses they felt they can turn around. They began a affiliate trucking business which was very successful. In order to pay-where-they-needed, they used money from wherever-there-was that day. Investors who understood they were investing in account X, managed by Mr. X, focusing on product X, which was a sound idea, found their money being "inter-company-loaned" to whoever needed money that day. There was no Controller or CFO, the owners just "Churned Water".

Now I have no idea how the CC thing began. It was definitely not something that would of crossed the owners minds during my stint there. I guess the situation got really desperate. Again, they were, and are, great honest Erliche guys. They gave Tzedakah, kept people on payroll because they were scared to take way Parnassah from a Yid, and kept their work-space to the highest Tznius standards. They took Mamesh nothing, even when one made Chasuna. They legitimately believed they knew what they were doing, and wouldn't listen to whoever said otherwise. This was, in my opinion, their only fault.


February 18, 2019, 12:05:27 PM
Re: PSA: Don't swipe recklessly for others
They are all reading this thread and for some reason (which I donít understand) they still donít wanto come out.....

Totally understand them. If you would just know how many PM's and calls I got from "people involved" to shut up. I don't care because I have 0 to lose, but I guess others are.

February 18, 2019, 12:19:27 PM
Re: PSA: Don't swipe recklessly for others
Thank you for the edit, however it's still not the full truth. True you may have been there for the birth of the trucking company, however it grew a whole lot more since you left. And AFAIK you were definitely not there for any of the other purchases, especially not The Buzz, which you wrote about with lots of "authority" earlier.

Anyways, I'm not here to argue. My point is, you left 2 years ago and have no idea what happened since thenóas you yourself admittedóso please stop spreading rumors. It helps no-one.

Yes I apologize for anything that may be exaggerated or assuming. From vendors and employees I kept on hearing of the exponential growth. I was not there for The Buzz (I think it went live less than a month after I left IIRC) but I did help a little with the preliminary UW. I spread no rumors, I seek to help all. Admins can verify that I seeked to have certain earlier posts removed for your sake.

HaRav Password, may you or whomever you represent come out this B'Shalom, may all of the stakeholders do well, and may the future be as bright as possible. I think you guys are great, I personally owe you a debt of gratitude for giving me a job and the experience, and I hope you will be Zoche to do well in whatever you choose.

February 18, 2019, 02:07:08 PM
Re: PSA: Don't swipe recklessly for others
ere is the story in regards to one of the recent credit card swiping scams.

Someone already mentioned the owners name S*****. He has a business reselling toners and other photo electronics.

He's been using people's credit cards for quite a number of years where he would use people's cards and pay the bills when they were due. He also had a lot of loans from loan sharks - paying 30% interest and paying over a year etc.

It reached a point where his business couldn't sustain the extreme amount of interest he was paying for swiping other people's credit cards.

He paid people to get him credit cards from other to swipe by him.
I know for a fact that he and his brother hounded people for credit cards when they already knew that things were going downhill, so all this talk that he's not a ganev, and didn't mean to screw anyone is a load of BS

The straw that broke the camel's back was when his credit card processor froze his processor and alot of money as well, and that is when the whole thing went bust.

There is between 15-18mm dollars owed to over 200 people just on credit cards alone. This doesn't include cash loans that he owes people.

These people live a very comfortable lifestyle, nice houses, expensive cards, own real estate etc.

Unfortunately there are many young kollel guys involved that don't have a single penny to their name and got connected to all this via the guys who brokered credit cards to this business.

At this point he hasn't given any sort of plan on how and when hes paying people back and is mostly just avoiding giving any real concrete plan. The options for all the victims all have downsides to them.

A few people have already disputed 100's of thousands of dollars, and this caused the merchant account to be flagged. Almost every person I know that is involved have gotten FR'ed by Amex.

People are either going to just have to default on the loans and hope for the best, or some may take the dispute route although with this much money at stake I doubt the processing bank will go down so easily. There are ways to dispute legally without saying any lies but it can be expensive and in addition there is a very big chance that this can blow up into an even larger criminal fraud investigation, and people might not want to be connected in any way shape or form to this business.

Its a big mess, and this isn't the only story happening right now - aside from Sterling there are at least 3 more stories that I know of going on right now.

I know it's been said many times here, and I myself always thought it won't happen to me, and its quite embarrassing - I'm a longtime ddfer and know many people on here personally - hence I created a new username for this post.

It's a very unfortunate situation with many victims involved. I know people who were/are on the verge of getting divorced bec of this. It's just not worth it. No matter how much point/money you can make. There are too many risks involved.

I will not answer any pm's and will try my best to answer any questions that are asked here.


This S**** sure lives in an expensive house (Zestimate $2,094,259, would sell for $3MM), and his kids are all mesudar. But good luck, the house is definitely in an LLC (probably retro transferred) and you won't see a penny there. Other than that he prob has 0 assets (like 90% of the people in Chareidy America who own a house and some brand name clothes and sit in seat 3C).

Oy, we have come a far way since the camps. Our grandparents who came to America found a land where opportunity abounded. They were happy to work and live w/o the fear of the last 2,000 years.

The next generation learned to take materialism to a whole new level, becoming the ultimate Americans. And generation 3 knows no answer other than debt. "Everyone has it" "What am I, a neb" "Yoish I love it I need it" etc. etc. etc.

"דרייט קרעדיט קארדס" is in Chareidy America today considered normal. How can a community which shuns the professions ever keep the Champ-Des-Elysees which 13th Ave has become busy? Pay for leases (-another form of debt) on Escalades and Navigators? Fly to Israel in first and stay at the WAJ? Make Chasuna for $200K a side? Buy $5K Shtreimels and Sheitels every 2-3 years?

Credit cards, LOC's, triple mortgages, Amazon Loans, and now - screwing the rest.

The Chareidy Tri State communites are the Soddom of our times. Everything is money money money. Kavod Kavod Kavod. SAD.

February 23, 2019, 09:02:54 PM
Re: Lakewood NJ Master Thread I don't get why everyone is so hysterical about these blatant anti-orthodox. We outnumber them 30 to 1. Why don't we also form a Rise Up Proud Jewish Lakewood and defend ourselves, Kikar Shabbos style, vhamaivin yovin, as we do against the mesitie hadas in the karta deshufraya?
March 07, 2019, 12:53:18 PM
Re: Adding Financial Literacy Courses In Yeshivas
Similar to many mesivtas in the US with 2-3 hours secular studies in the afternoon

Many, but not all. Most Tri State Area mesivats are like in Israel, no secular. In Europe, no such thing. And its min 4 hours. And they are taught by professionals. And GCSE's A Levels are miles ahead of Regents.

(But that fine, because American kids will go on to College where they will in-debt themselves forever - and/or have parents bribe to get them in - while in Europe, this too is free/very cheap)

March 12, 2019, 02:39:52 PM
Re: PSA: Don't swipe recklessly for others
Here is a hint:

If itís not financial or young boys...

Then it must be missing Zof Zman Krias Shma!

March 13, 2019, 10:35:33 PM
Re: Re: The Funny/strange/interesting/random Tweets Thread Read a book? You mean Berel Wein?

On a serious note, there was plenty of Arab Muslims in Palestine before 1948, that did not come with the Aliya waves. Lydda and Ramle, Jaffa, Nablus, Hebron, Acre, Haifa, Jenin, and Jericho etc. were significantly sized Muslim towns. Jerusalem was on the larger end, and 80% Muslim. Nazareth and -interestingly enough- Ramallah, were Arab Christian. The Jews were very sparse pre 1850, settled mainly in Safed and Jerusalem with small communities in Tiberias and Hebron. The waves of Aliya brought the population to a 70-30 ratio which was the number the British sought to maintain. All the talk of net immigration by Arabs to Palestine is blatantly false, peddled by the Israelis. There was a net migration of Arabs from Palestine in the 1880-1960 era, which is the bulk of the Jewish Aliya. The Arab birthrate, until today, is higher than the Jewish one. If Arabs were coming in, then the population here would be a Arab majority, which was only avoided by this net migration.

That being said, the Arabs have plenty land of their own and should make way for the Jews who have been wandering around for 2,000 years. Letís ignore the fact that authentic Judaism, the version that has lasted these 2,000 years, rejects ďforcing the MessiahĒ. Letís take all these Arabs and push them out. And then letís wonder why they want to murder us. Letís point to the beautiful country we built (by schnorring from the Germans and Americans) and hide behind our advancement. And letís promote the fact we are a true democracy (as long as youíre not Arab, Mizrachi, or Chareidi- but hey, America had slaves once too).

I love Eretz Yisrael, spent most of my life there, do a lot of business there, but am sickened by Zionism more everyday that goes by.

March 29, 2019, 12:13:54 AM
Re: Re: The Funny/strange/interesting/random Tweets Thread
Your agenda is cant mix your religious views with your political views.

There is no Palestine at present. There is a State of Israel that they want to "free from the river to the sea." Can you see a difference?!?

The UN created an Arab State in 1947...its called Jordan so quit this Arab Nationalism baloney. They only became that way when they lost war after war. The Arabs are always fighting the last war. In 1967 they wanted 1948, now they want 1967.

Yes I am anti-Zionist. Proudly anti those who corrupted the holy Torah.

There is no Palestine because they lost the wars of words and tanks. Not because they donít exist.

The UN did not create Jordan. Churchill did. And the people living on the West side donít need to cross the the river eastward because some guy in London decides.

And yes, they suck at wars. So? They are now non-existent?

Whatís YOUR long term solution for the 2 million Arabs of the West Bank and Gaza?

March 29, 2019, 12:37:22 AM
Re: Re: The Funny/strange/interesting/random Tweets Thread
1. I thought it is mostly desert, are you sure that 65% is not?
2. Did not say they are not :)
3.You missed Bethlehem which was at one time 95% Christian, now 95% Moslem.Most Arab christians immigrated to the US,Canada, Chile and other.

Many did immigrate, so that sort of flies in the face that no one was here, or else who immigrated!? Bethlehem was just a backwater compared to the rest. Ad Hayom Hazeh

March 29, 2019, 07:52:46 AM
Re: Re: The Funny/strange/interesting/random Tweets Thread
Dump Hamas and PA and elect a real secular government. Stop culture of death. Would be a nice start.

Give them the land they want as a state with minor land swaps as was proposed. Recognize Israel's right to exist.

Arafat was offered all that plus. Instead he send suicide bombers. So they built the Wall and that stopped.

Why do you think they're in an open air prison? Because Arafat wouldnt risk his life to make peace. And because he thought he would be irrelevant.

If you can tell me what was wrong with any of what they were offered in the past maybe I'll understand. Dont tell me Torahs about moshiach being forced. You're dealing with a reality that now exists that we have a state and they do not. Stop fighting a war you lost 70 years ago. Otherwise youre exactly like them...fighting the last lost war.

Agreed that the Arabs severly screwed up their cause by choosing violence and ignoring reality, (though thatís the same thing the Zionists did 1903-1948)

The Palestinians are not serious about peace because any agreement means they lost and they
Canít do it. Secular or Religious. The most nationalist Arab MK today is an atheist, and both Arafat and Abu Mazen are not examples of religious fanaticism at all. Arafat saw what happened to Rabin and freaked out. The lesson of the Middle East is that whoever gives up a sliver of land gets shot or unthrowned, Arab or Israeli (Abdullah, Sadat, Rabin, Kadima etc)

Um, Iím a religious believer Chareidi. Fighting old wars are my thing. Why donít you face reality and become non observant because thatís what 90% of world Jewry is like? Of course we still believe in our beliefs, whether reality today is kind to us or not!

March 29, 2019, 08:01:49 AM
Re: Hyatt question
Happened to me a while back, just call them, they verified some security questions.

Thanks, did it, worked. At PH Paris.

April 08, 2019, 04:47:31 PM
Re: United award flights
Good luck. But kinda a waste of a GPU IMO to use it for Premium.
And AFAIK it won't hinder you spot on the upgrade list, look at any flight you'll see those cleared to Premium are still on top of the J list.

Thanks! Last year 4 of my GPUís went unused, would be thrilled to get premier plus with them...

May 05, 2019, 01:19:04 AM
Re: United award flights
I'm sure people here could have used it.  ;)

I'm sure too. But there was only one member on DDF who actually took some, and I didn't do it for money. I did it for the help he gave me in what I needed at the time and a good relationship. DDF to me is not just about buying, it's about helping each other. I've asked over 10-15 questions on DDF related to UA, and am shocked that on such a savvy community only 2 ever came forward. One already got GPU's from me, and the other will also (as year ends and I see I have no use...)

May 05, 2019, 12:06:26 PM
Re: Why I donít live in Israel yet The racist attitude against Chareidim (even highly educated and competent ones) in the Israeli business world.

Other than that thereís no better place to live.

August 08, 2019, 07:49:53 AM
Re: Why I donít live in Israel yet
Its actually sad that you should ask this. Unless there is something about Chabad shitos that I am unaware of.

Your comment is even sadder. We are in the 9 days, and we must remember that we are now in Golus. We sinned and were kicked out of Israel. If we do Mitzvos and Tshuva then Moshiach will come and we will all go back. Until then, Israel is also just a Golus (a very scary one indeed, religion-wise).

So the question is: Whatís the benefit of replacing Golus USA with Golus Israel?

Yet the Zionists did a great job brainwashing people that Israel just ainít no Golus anymore...

August 08, 2019, 07:55:32 AM
DAF: The Donors Fund vs The OJC Fund So I want to open one of these, spoke to both, and the fees math pencils very similarly.

I guess it will boil down to customer service, and ease of redemption for those receiving the certificates.

So who do you recommend?

December 24, 2019, 04:13:17 PM
Re: The Day After COVID19 -Airlines
Then they shouldn't be bailed out if they have nothing to offer in return for our help.

Do you understand the vital importance of air travel to the economy? If United Delta & American come to Washington for help Congress will drool to add as many 0's as necessary to that check.

March 15, 2020, 10:43:20 AM
Re: COVID-19 (Wuhan Novel Coronavirus) Pandemic Master Thread
A bill will be passed.

Be careful who you blame the markets on. We had a massive Fed cut that Trump said the markets would love. The market tanked when it opened that Monday.

Trump is a non-persona as far as I'm concerned, economically. The Fed did the right move, although it's nowhere near enough as the credit problem here is demand-side, not supply-side. The Treasury has indeed rallied Congress and unveiled very bold - and unthinkable - legislation which has wall-to-wall Republican support (note the missing Tea Party). This was taken straight out of the Obama playbook, it's a good bill. It's not perfect, but we can add more pieces later. We are craving stability and the D's just shot that. Poor America.

March 22, 2020, 08:08:41 PM
Re: COVID-19 (Wuhan Novel Coronavirus) Pandemic Master Thread
Just like shuls and workplaces did right away when the scare began   ::)

The next best Heimish business to be in now is in building private Mikvaos for people. I'm ordering one ASAP...

March 24, 2020, 01:55:18 PM
Re: Coronavirus Stimulus Aid Package Best resource for PPP loans so far.
March 30, 2020, 08:30:18 PM
Re: Seminary/Yeshiva Israel Rebbeim
FWIW, I got a call from the program my son is I"H going to next year. They currently expect to open on time, worst case - after the Yamim Tovim - in which case they said they would extend the year by another month.

I am not 100% convinced I believe it, but I want to know where people are coming up with December or January estimates?

If your son is not an Israeli citizen, don't count on it. The border will stay sealed shut.

April 01, 2020, 11:31:46 PM
Re: Coronavirus Stimulus Aid Package It seems like in NJ, anyone making less than $68,276 is going to getting a nice little raise for being unemployed. For NY, it's $57,804.

Looks like a lot of people are gonna have some interesting conversations with their boss...

April 04, 2020, 11:01:59 PM
Re: Coronavirus Stimulus Aid Package
What do you mean?
You can get unemployment while you have a job with the above salaries?

No. If you were making less than this, getting laid off and going on unemployment is a better deal than keeping your job.

April 05, 2020, 01:52:55 AM