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Re: Payroll services for very small business
That's wild, never heard of it, looks very interesting
I use it. Under 25 employees its free.
There is a small charge for them to handle the withholdings.

January 29, 2019, 01:35:18 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.
They didnít loan him money, they bought equity. Which means they had unlimited upside which made their risk of loosing it all (Thanos) worth the gamble.

February 10, 2019, 09:50:49 PM
Re: Chai Lifeline
I don't have the slightest clue about them, but I think the idea that a matching campaign is a sign of financial trouble is kind of ridiculous.

A lot of organizations use it as a way of consolidating small donors into a couple days, also it encourages small donors to stretch a bit more

February 21, 2019, 09:27:32 PM
Re: PSA: Don't swipe recklessly for others
maybe some good is coming out of this
if some people are divorcing their spouse because of money.
maybe its better that it happened this way instead of being married to a gold digger
Itís not the money as much as the breach of trust, itís very hard for a spouse to hear that their partner was partaking in risky behavior that they were unaware of and that has left them in hundreds of thousands of dollars of debt. At a minimum it would take a lot of work to rebuild the trust necessary for a healthy marriage based on mutual respect and trust.

February 24, 2019, 01:40:00 PM
Re: PSA: Don't swipe recklessly for others
Yet banks frequently lend at this rate on unsecured, non-recourse lines of credit (translation: credit cards) based on nothing but your credit score and stated income
They peg the apr on the assumption that x amount of loans will default, however most donít default and the profit margin from the performing loans cover the loans that defaulted. In short they can spread their risk over many many customers. You are lending to one person so you have an inordinate amount of exposure. (Same idea as insurance paying out benefits which makes that specific policy a loss, however most policies our BĒH never claimed).
There are actuaries that get paid very well to price the risk, odds of default, etc.

February 25, 2019, 12:56:17 PM
Re: PSA: Don't swipe recklessly for others
There seems to be a bigger picture that people are missing out on here about buying groups.

Buying groups are not a legitimate business. They are using workarounds to game the system. The manufacturer or retailer does not want to sell the merchandise wholesale or in bulk to unauthorized distributors, so they crowdsource by asking individuals to buy and deliver them.

Everyone knows by now that the manufacturers and retailers are well aware of this scheme. Google once suspended hundreds of Gmail accounts because of the Pixel buying group (you can thank Dan for getting them to reinstate those accounts). Best Buy, Target and others have blacklisted many buyers. It's not illegal, but it's still not legitimate. (Some have mentioned importing these items to other countries without paying import taxes/tariffs, that is indeed illegal)

To put this in perspective, imagine I said that I had a fleet of taxis in NYC making a ton of money but I don't have a taxi medallion from the city, or I said I owned a hot-dog stand in NYC making a ton of money without a permit. Would you invest $100,000 with me?

Investing large sums of money is risky even when investing in legitimate businesses, how much more so with illegitimate businesses.

Is it less risky than swiping for a merchant? certainly. But consider this: Swiping for a merchant is like jumping off a 100ft building and hoping to survive. Buying for a group is like jumping off a 30ft building and hoping to survive.

The instances that you quote as illegitimate, are operating without a license. Buying groups are breaking corporate policies.
The consequences for crossing the government are much more dire than being blacklisted by Wal-Mart/BestBuy/Target ( I have been blacklisted from Wal-Mart for 5 years and I have not experienced major disruptions from this, would not want to know what the feeling is being hounded by DoT/DoH..)

February 25, 2019, 05:12:02 PM
Re: PSA: Don't swipe recklessly for others

Klein isn't working for free. He charges 25-30% with 5% up front non refundable, and there is no guarantee that you'll get your money back
And if he is working for the borrowers he has an incentive to say that disputes can be illegal.
The only person that you should take legal advice from is a lawyer that is working for you and has your best interests in mind

February 26, 2019, 12:07:36 PM
Re: Ad Campaign for spreading awareness anti credit card swiping businesses! "Never attribute to malice that which is adequately explained by stupidity."
Robert J Hanlon

February 26, 2019, 09:31:06 PM
Re: PSA: Don't swipe recklessly for others
you can open a different thread on that topic
but as of now i am the rabbi of ddf
Are you promoting or demoting yourself.
On a serious note, some sensitivity is necessary when dealing with as delicate a situation as this is.

February 27, 2019, 09:22:44 AM
Re: Which seat would you choose? I would take window and aisle in a row of 3 close to the back of the plane and hope that the middle seat stays empty
February 27, 2019, 09:39:44 AM
Re: Help about a 1914 jewish village that probably does not exist today
Austria. Unless it was after July 1914, when WW1 began. After July 1914 the war began, and there were few, if any, records kept.
Once the war was over, from about 1918, Husiatyn was under Poland.

Thank you, I see now that it is part of Ukraine, she wants to find out which country her mother was born in, she was born in December 1914, any idea in which country Husityn was in December 1914, it is unclear to her if it was Poland, Austria or Hungary? TIA

Mass confusion

February 28, 2019, 11:36:29 PM
Re: Help about a 1914 jewish village that probably does not exist today
Thank you. So in her case born in December 1914 you say it was Austria.
I understood it, that once WWI started the border was not definitive until it was reestablised as Polish in 1918

March 01, 2019, 02:22:34 AM
Re: PSA: Don't swipe recklessly for others
True. The guy that I met with was selling his idea as risk-free because he puts his own money (only half the value of your principal though IIRC) in a yeshivish sort of escrow account to 'guarantee' your investment in case it goes south, or so he claimed. I thought the whole idea sounded haphazard and sketchy, if not gezel though so even if it's guaranteed I wouldn't suggest it. We'll see if this sign is the same guy.....
What does he need your cash for?

March 13, 2019, 03:43:40 PM
Re: Top Reasons To Go OTD
Traffic? No.
Uber dangerous driving? Yes.
Just report the driver through the app

March 22, 2019, 01:05:40 AM
Re: The Funny/strange/interesting/random Tweets Thread
Just get rid of the question. Unreal.
Canít pander that way

March 22, 2019, 01:33:24 PM
Re: Whatís YOUR status symbol Does not flying spirit count ;)
March 30, 2019, 10:22:48 PM
Re: Whatís YOUR status symbol
I have a screenshot. Not sure how to post it.
@ExGingi your welcome

March 30, 2019, 11:08:31 PM
Re: Master List Of Unofficial Chabad Houses Without getting into an ideological discussion.

Many (most?) of these Chabad houses are located in remote geographical locations where it would be hard to create a feasible sustainability plan (partially the reason for there not being official Chabad centers). The young families that chose to move there face many challenges. They are very far (usually 12+ hr flight) from any family, many of them live several hours from another religious person, many of the women need to fly several hours just to go to Mikva, etc. They nevertheless relocated their entire family, live in poverty, have very hard times getting Kosher chicken/meat (many of them learn to shecht), have to teach their children without any other children being educated similarly....
All this is in order to prevent 1000ís of searching Jews (many ex IDF) from falling into serving Avodah Zorah Mammosh while on their spiritual quests.

This is literal Mesiras Nefesh for the spiritual benefit of someone they do not know.
Many 1000ís of backpackers have returned to their Jewish routes thanks to these families.

April 01, 2019, 09:23:33 PM
Re: Cleveland Master Thread
"and the Indians didn't want to pay"
Pretty much summarizes their whole offseason.

April 01, 2019, 10:16:51 PM
Re: RIP/BDE Master Thread
Theyre notorious on crowd sizes. More likely they dropped a zero than flipped a 5.
You have support from the highest office in the land

April 02, 2019, 11:44:50 PM
Re: Largest Dispute & Fraudulent Activity on your card
Update. I was asked by Discover to file a police report. Got a phone call from the detective today saying that there's video footage of the thief using the card at Macy's (needed additional info from me in order to get a subpoena). Amazingly, the perp that had the card and charged so much on it was actually arrested that Shabbos for shoplifting.
Good candidate for a dumb criminal list ::)

April 03, 2019, 07:53:46 PM
Re: Dimeththyltryptamine (DMT) & Halacha Should I Take LSD to Attain Spiritual Heights?
By the Grace of G‑d,
20th of Marcheshvan, 5725
[Oct. 26, 1964]
Brooklyn, N.Y.

Greeting and Blessings:

I am in receipt of your letter of October 18th, which you write in the name of your friends and in your own behalf, and ask my opinion regarding the new drug called L.S.D., which is said to have the property of mental stimulation, etc.

Biochemistry is not my field, and I cannot express an opinion on the drug you mention, especially as it is still new. However what I can say is that the claim that the said drug can stimulate mystical insight, etc., is not the proper way to attain mystical inspiration, even if it had such a property. The Jewish way is to go from strength to strength, not by means of drugs and other artificial stimulants, which have a place only if they are necessary for the physical health, in accordance with the Mitzva to take care of oneís health. I hope that everyone will agree that before any drugs are taken one should first utilize all oneís natural capacities, and when this is done truly and fully, I do not think there will be a need to look for artificial stimulants.

I trust that you and your group, in view of your Yeshiva background, have regular appointed times for the study of Torah, and the inner aspects of the Torah, namely the teachings of Chassidus, and that such study is in accordance with the principle of our Sages, namely ďThe essential thing is the deed,Ē i.e., the actual conduct of the daily life in accordance with the Torah and Mitzvoth, prayer, Teflllin, Kashruth, etc., etc. This is only a matter of will and determination, for nothing stands in the way of the will. I trust that you are also using your good influence throughout your environment.

With blessing,


April 03, 2019, 09:31:00 PM
Re: Dimeththyltryptamine (DMT) & Halacha The Problem With Drugs
By Adin Even-Israel (Steinsaltz)July 4, 2010 6:56 PM
I once heard from the Lubavitcher Rebbe, Rabbi Menachem Mendel Schneerson, of righteous memory, in a private audience, an observation about drugs.

He was speaking about the effect on a person taking drugs. He was, incidentally, very careful about not saying anything negative about anybody. He said that the opinion of the Torah in general is that the person should be the master over his or her self, and enslavement of any sort is wrong.

Can a person still be the master over himself when involved with drugs and other addictive substances?

The problem with using any kinds of drugs or almost anything that has a little bit of psychoactive material is the same. Indeed, almost everything is psychoactive, including bread. If one fasts and then takes a piece of bread, it is possible to see how many changes are made in one's psyche.

The specific problem, however, with drugs is that people come relatively fast to a point of no return. In truth there is never a point of no return; but one quickly reaches a point from where it is very hard, almost impossible, to return...


April 03, 2019, 09:35:30 PM
Re: Thrown out of Yeshiva for?
He's just stating the obvious in a very calm and measured way. I kept my mouth shut, because I wouldn't be able to control myself. ;)
And he has a bit more clout

April 04, 2019, 02:00:22 PM
Re: Lakewood Forest Fire
Again, I think one of the greatest issues not discussed is why don't the parents have control over these kids? Or do they condone it?
It could be the parents are also exasperated by the kanoim. So they will turn a blind eye.

April 16, 2019, 12:07:58 PM
Re: Reduce the UA $75 close-in fee, pay only $40
Just book exactly a month out and say you got the wrong month.
*Subject to availability

April 16, 2019, 06:13:41 PM
Re: Where Are You Posting From Now?
MSY at last!
If you have any questions feel free to pm

April 23, 2019, 09:20:56 PM
Re: Poway synagogue shooting.
He appears to be well educated, articulate and smart.
This is the scariest part imo.

April 28, 2019, 04:05:37 PM
Re: post count When they start deducting like counts....
April 30, 2019, 12:35:24 AM
Re: Amex Closed Accounts
Isnít that a red flag ?
Itís basically telling the bank/CC, I am lending this guy your money that you wouldnít lend to this guy.

May 01, 2019, 11:41:25 AM
Re: Car Lease take over Master Thread
Am I not allowed to drive a friend or relatives vehicle without insurance?

Technically only on a temporary basis. If one were to be in an accident and the insurance company were to discover that the driver is not on the policy and that he is the sole/primary driver for this car the insurance company can deny the claim.

May 01, 2019, 11:50:15 AM
Re: AMEX Return Protection: Did They Make You Return The Item?
Made a claim earlier today, I got no email confirmation and the status says pending receipt of documents but they also did not request any documents. ...

Do I just wait?
Ime it can take 24-48 hours

May 01, 2019, 10:09:03 PM
Re: Craigslist Checked out Craigslist last night and I must say car shopping is a much more pleasant experience.
I had stopped using CL being that it took too long to filter through the spam

May 08, 2019, 08:58:41 PM
Re: How do you bend you brim on your hat?/Do you keep your tie made?
I don't think so. (unless you're the sandek)

Iianm, generally those that donít say tachnun all day, father/mohel/sandek wear kapota, grandparents (if not sandek) usually will, everyone else regular jackets.

July 07, 2019, 01:01:38 AM
Re: Next Vacation - Ideas
Not exactly water...

Sometimes the water comes to you..

July 08, 2019, 07:29:20 PM
Re: BM Magazine Articles Mods can you split this thread.
July 09, 2019, 12:38:39 AM