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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