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Messages - yitzf

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Destination Guides And Trip Planning / Re: Lakewood NJ Master Thread
« on: November 01, 2020, 01:39:48 PM »
I have money on a commuter card that I'd like to spend.
If you buy a NJT monthly pass or a 10 pack of tickets (or any other mass transit ticket) I can give a decent discount.
PM by tomorrow please.

The doctor just gets paid for a visit and maybe a little for the swabbing. The lab gets paid for test.

Destination Guides And Trip Planning / Re: Lakewood NJ Master Thread
« on: June 22, 2020, 03:48:09 PM »
Local pizza shop with indoor seating

Destination Guides And Trip Planning / Re: Lakewood NJ Master Thread
« on: June 22, 2020, 03:00:44 PM »
Where can I get covid nose test with fastest results (and they dont charge you a copay for doctor visit).
Check with your insurance but you shouldn't have to pay anything even for the visit because it's a Covid-19 related test

COVID-19 Discussion Board / Re: Areivim USA - Coronavirus
« on: June 14, 2020, 03:17:41 AM »
Well Areivim is even more underinsured (unless a person had more than 9 children) in which case they are certainly underinsured with 1 million of coverage.

Insurance agents love to sell bigger policies, but the point of life insurance (from a financial planning perspective, as I see it) is not to make the family whole from the financial impact, just to limit the downside, so they are not impoverished. After all. the premiums are expensive and priced to be in the odds of the insurance company (so life insurance is a bad bet to make from a purely financial perspective), except that it's a cost too high to bear, so one needs to make the bet (policy) for protection.

Getting more than $1 mil., becomes quite expensive, especially if insuring both spouses, and when considering cost of other insurances (homeowners and car). That can easily run $5K+/year combined, just on insurance.
I pay $584 a year for 1 million 30 year term for my wife, and $1,400 for 2mm 30 year term for myself. It's money but relatively affordable.


See here, there is a difference between asymptomatic and pre-symptomatic. HWO is saying that it's rare for asymptomatic to spread the virus, but "The incubation period, or the time a person takes to show symptoms after getting infected, is the pre-symptomatic phase, the WHO says. Carriers can infect others during this period."

I need to go into Lakewood with my family for at least a few hours tomorrow. This would have been a very strange question a few months ago, but any ideas where I or my kids could go to the bathroom during the day?
You can use mine. PM me for my address.

Looking to sell a 2014 Sienna. Who in Lakewood will give me a good price?

(Not hanging up signs etc)
Went to Lakewood Auto sales but doesn't seem competitive, he said he has to buy the car and deal with another buyer. He said I should try the car shadchan, but I don't know who that is)

COVID-19 Discussion Board / Re: Re: So How Was Your Shul This Week?
« on: May 24, 2020, 03:06:49 PM »
Pretty much full shul and a nice kiddush, not gonna say where! People are soo freakin fedup already
A bunch of Trump fanatics. He says houses of worship are "ess in shul" so they need to have a Kiddush.


Inexpensive easy place to get reliable antibodies test?

Insurance should cover without any deductibles or co-copy

COVID-19 Discussion Board / Re: Israel Reopening To Foreigners
« on: May 18, 2020, 05:42:13 PM »
This is from a personal friend of mine:

 Time sensitive urgent request
One of my children takes medicine that can only be compounded in the USA  we normally have no problem getting the medicine to Israel

 with the current situation we can't find a way to get it here  we've already asked friends and hatzala 
Pls share this message

 we need the medicine by June 1 when the medicine will run out. I can be contacted at 0535207261   0587979721
Thank you Ari Pfeffer :) :)

There was an article in the Mishpacha or Ami recently about an Israeli organization that specializes in these things. They have a call center and whatsapp groups all over the world. I don't remember the name, but maybe someone else does.

And today she came home!! Chasdei Hashem!
B"H! thanks for sharing

Just Shmooze / Re: How much milk do you have in your fridge?
« on: May 14, 2020, 09:15:09 PM »

They gave this out at pickup today
Where is this? Pine Park?

And what's the cutoff between the large and small?

From an email from Roth and Co regarding certification of necessity:

UPDATE: As of May 13th, the SBA has issued guidance that they will not audit any loans under $2 Million and will assume that certification was valid.

To clarify - specifically regarding the requirement that the funds are necessary due to Covid-19, if the loan is under 2MM then it's assumed to have met that requirement. So they wont audit for that requirement specifically.

46. Question: How will SBA review borrowers’ required good-faith certification concerning the necessity of their loan request?
Answer: When submitting a PPP application, all borrowers must certify in good faith that “[c]urrent economic uncertainty makes this loan request necessary to support the ongoing operations of the Applicant.” SBA, in consultation with the Department of the Treasury, has determined that the following safe harbor will apply to SBA’s review of PPP loans with respect to this issue: Any borrower that, together with its affiliates,20 received PPP loans with an original principal amount of less than $2 million will be deemed to have made the required certification concerning the necessity of the loan request in good faith.
SBA has determined that this safe harbor is appropriate because borrowers with loans below this threshold are generally less likely to have had access to adequate sources of liquidity in the current economic environment than borrowers that obtained larger loans. This safe harbor will also promote economic certainty as PPP borrowers with more limited resources endeavor to retain and rehire employees. In addition, given the large volume of PPP loans, this approach will enable SBA to conserve its finite audit resources and focus its reviews on larger loans, where the compliance effort may yield higher returns.

COVID-19 Discussion Board / Re: Minyan Guidance In Your Community
« on: May 13, 2020, 01:22:53 AM »
Not my shul, but hopefully every community in their own way can include in their guidance something about a newfound appreciation for kedushas beis haknesses

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