COVID-19 Response: An issue that shouldn't be at all political....yet here we are

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Originally Posted by Zmaster52

Meanwhile, I haven’t seen a penny from the government.


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Yeah, my daughter's been having a rough go. Graduated college this year and started working in January, now she has an apartment that I'm paying for because she cant work due to the virus. It's a tough situation to be in, but I guess they had to draw a line somewhere.

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Originally Posted by benny01

Yeah, my daughter's been having a rough go. Graduated college this year and started working in January, now she has an apartment that I'm paying for because she cant work due to the virus. It's a tough situation to be in, but I guess they had to draw a line somewhere.

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I’ve already spoken about my situation and don’t want to continue *****ing about it but holy **** have I been running through my savings lol. Ran out of money this past week.

My problem - besides my opinion that college aged students are the most ****ed over age demographic in the country is that this line barely makes sense. Some people got stimulus checks, some didn’t. Some people are still waiting on these checks, as well.

Some of these businesses are getting millions of dollars in relief, some dead people are getting checks, people who are still working from home making $X0,000 are getting this money and I’ve heard from numerous people that they don’t personally need the money.

One of my best friends is a cardiac nurse upstate. He is getting hazard pay, got a rebate check from school, got a stimulus check, and some other forms of money that I can’t exactly remember. All in all, the guy has made something like $10,000 in the last month. Granted, if anybody deserves it, it’s him. Had an abusive family, lived on his own since he was 15, is an essential worker, etc. Still, even he tells me that getting that much money is ridiculous, especially since people like me haven’t seen a penny.

Like, I get $400 a week, I would be ecstatic. Some of these people are getting $2500 plus that they don’t even need.

I was trying to move out, buy a car, start my life, etc. I’m gonna have to put that plan on hold for another year at least, when I’m gonna be 25...****.

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Originally Posted by Zmaster52

I’ve already spoken about my situation and don’t want to continue *****ing about it but holy **** have I been running through my savings lol. Ran out of money this past week.

My problem - besides my opinion that college aged students are the most ****ed over age demographic in the country is that this line barely makes sense. Some people got stimulus checks, some didn’t. Some people are still waiting on these checks, as well.

Some of these businesses are getting millions of dollars in relief, some dead people are getting checks, people who are still working from home making $X0,000 are getting this money and I’ve heard from numerous people that they don’t personally need the money.

One of my best friends is a cardiac nurse upstate. He is getting hazard pay, got a rebate check from school, got a stimulus check, and some other forms of money that I can’t exactly remember. All in all, the guy has made something like $10,000 in the last month. Granted, if anybody deserves it, it’s him. Had an abusive family, lived on his own since he was 15, is an essential worker, etc. Still, even he tells me that getting that much money is ridiculous, especially since people like me haven’t seen a penny.

Like, I get $400 a week, I would be ecstatic. Some of these people are getting $2500 plus that they don’t even need.

I was trying to move out, buy a car, start my life, etc. I’m gonna have to put that plan on hold for another year at least, when I’m gonna be 25...****.

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Yeah, I feel ya. This whole deal was handled poorly. Too much of congress trying to serve too many masters rather than getting the help where it needs to go.

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Originally Posted by Zmaster52

I’ve already spoken about my situation and don’t want to continue *****ing about it but holy **** have I been running through my savings lol. Ran out of money this past week.

My problem - besides my opinion that college aged students are the most ****ed over age demographic in the country is that this line barely makes sense. Some people got stimulus checks, some didn’t. Some people are still waiting on these checks, as well.

Some of these businesses are getting millions of dollars in relief, some dead people are getting checks, people who are still working from home making $X0,000 are getting this money and I’ve heard from numerous people that they don’t personally need the money.

One of my best friends is a cardiac nurse upstate. He is getting hazard pay, got a rebate check from school, got a stimulus check, and some other forms of money that I can’t exactly remember. All in all, the guy has made something like $10,000 in the last month. Granted, if anybody deserves it, it’s him. Had an abusive family, lived on his own since he was 15, is an essential worker, etc. Still, even he tells me that getting that much money is ridiculous, especially since people like me haven’t seen a penny.

Like, I get $400 a week, I would be ecstatic. Some of these people are getting $2500 plus that they don’t even need.

I was trying to move out, buy a car, start my life, etc. I’m gonna have to put that plan on hold for another year at least, when I’m gonna be 25...****.

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Try to get a job when you are in the 50s

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Originally Posted by benny01

Yeah, I feel ya. This whole deal was handled poorly. Too much of congress trying to serve too many masters rather than getting the help where it needs to go.

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I'll add that you might try to contact your local and state rep. offices, they can usually be of some help in finding some lesser known programs on a local level that might be able to give you some relief. Granted I dont know what state you are in, but it might be worth some time on the phone.

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Originally Posted by Sluggo1

Try to get a job when you are in the 50s

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lol at least you’ll be able to get social security.

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Originally Posted by benny01

I'll add that you might try to contact your local and state rep. offices, they can usually be of some help in finding some lesser known programs on a local level that might be able to give you some relief. Granted I dont know what state you are in, but it might be worth some time on the phone.

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Yeah I’ve tried. I’m in NY...everybody over here is getting ****ed over. All I can really do is try to unemployment which said they’d contact me within 72 hours....250 hours ago. You call and just end up getting put on hold.


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Originally Posted by Zmaster52

Yeah I’ve tried. I’m in NY...everybody over here is getting ****ed over. All I can really do is try to unemployment which said they’d contact me within 72 hours....250 hours ago. You call and just end up getting put on hold.


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Got ya. Yeah I'm sure that system is completely taxed at this point.

Early on I was throwing out some numbers on how devastating this is in my area. Here’s an update (fwiw).

In addition to the 5 boroughs, the NYC metro area encompasses 25 other counties (8 in NY, 13 in NJ, 3 in CT, and 1 in PA)

The total population is 21,000,000 (half of which — roughly 10,500,000 — is in NYC itself).

As of yesterday, April 26, there have been 28,474 confirmed Covid-19 deaths in the NYCMA — for a rate of 135 deaths per 100,000 population.

— NYC alone has 165 deaths per 100K
— 25 counties without NYC have 107 deaths per 100K

That 135 per 100K is well beyond Spain (50), Italy (46), France (35), UK (35) and certainly Germany (7).

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Originally Posted by Crovash

Early on I was throwing out some numbers on how devastating this is in my area. Here’s an update (fwiw).

In addition to the 5 boroughs, the NYC metro area encompasses 25 other counties (8 in NY, 13 in NJ, 3 in CT, and 1 in PA)

The total population is 21,000,000 (half of which — roughly 10,500,000 — is in NYC itself).

As of yesterday, April 26, there have been 28,474 confirmed Covid-19 deaths in the NYCMA — for a rate of 135 deaths per 100,000 population.

— NYC alone has 165 deaths per 100K
— 25 counties without NYC have 107 deaths per 100K

That 135 per 100K is well beyond Spain (50), Italy (46), France (35), UK (35) and certainly Germany (7).

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Where are you located?


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Originally Posted by benny01

Got ya. Yeah I'm sure that system is completely taxed at this point.

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More than 25 million people filing...I would imagine so.


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Originally Posted by Zmaster52

Where are you located?

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Just outside of Danbury, CT (Fairfield County).

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Originally Posted by benny01

Yeah, I feel ya. This whole deal was handled poorly. Too much of congress trying to serve too many masters rather than getting the help where it needs to go.

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Like anything from the government, things get complicated and convoluted. To that, add the fact that many small businesses aren't really small businesses. A small business is defined, basically, as a business with 500 employees or less. Doesn't sound that small to me.

Then the franchise issue comes into play…Ruth's Chris qualified for loans probably by the fact that numerous individuals franchisees fall into the under 500 category and qualified. Not sure how the parent company got all that $$$$. If I had to guess, the corp HQ filled out all the forms for the various franchises.

Then you have the single guy that owns multiple small corps for the same type of business (this is common). Guy could own 20 restaurants and have 20 different corporations set up. Real estate people do this quite a bit. Each corporation applies and qualifies.

Then you have the disadvantage of being a small mom and pop organization. Many of them run out of their back pockets. Fast and loose. Terrible record keeping. They see their accountant once a year for taxes (maybe) and guess at everything. When they try to get a loan, they have trouble coming up with the info. Also many small business do not have a real relationship with their bank.

The Paycheck Protection application was open to interpretation. Sort of. Several places seemed to mix up the terms "Mortgage Interest, Rent, Leases" etc. Some took that to mean leases on equipment, vehicles etc. and included that in their amount. Others (including me) took the term lease and rent as "monthly cost for the property" since the two terms were right next to each other and that fit the spirit of the program. (and several items I read said the loans were for salaries and rent). In my opinion (means nothing) these applications that are over-requesting slows down the system for everyone.

To all of that…add the sheer volume of the requests.

Then toss in… the industry that set itself up to help business apply for the loan (for a fee). I get phone calls weekly.

It al makes for a perfect slow response storm.

I applied for the PPP and received funding in about three weeks. My record keeping is excellent and I was not asked to submit anything other than 2 forms that clearly supported what I was requesting. I also have a good relationship with my bank.

I think I was lucky in one way and well prepared in another.

There is another SBA loan out there that I applied for (EIDL Loan Economic Impact Disaster Loan) that is another story completely.I applied 3 times…the first two times the system crashed and I had to start over. The first time took over 4 hours to get halfway through it. The second time the form changed and crashed again. The third time the form completely changed again, took only 15 minutes and got through. I received a reference number so I assumed it is in. Nowhere in any of those three applications was I able to request an amount. I guess someday IO will be told what I am entitled to. Today (over 30 days later) I received conformation on a completely different number. I guess I am alive but I am not optimistic on that one. I envision everything getting back to normal and then two years from now I will get a small check from the SBA who know.

When you see people screaming to re-open the economy, please bear in mind that some people are desperate. The $1,200 (I haven't received mine yet) may pay for food for a few months (and don't tell me it won't) but it won't cover rent/mtge, car pmts, cr cd pmts etc. You can say to put a hold on rent/mtge and other payments but that just means you are asking others to finance your troubles. Whop finances their troubles.

People are not being stupid and care free, many are desperate. For the record, I'm losing my business shirt over this but think re-opening May 1 is too soon (that's Florida'a target date). We will operate on split staff, reduced production etc. until at least May 15 and then re-evaluate.

And I need a hair cut.

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Originally Posted by Zmaster52

lol at least you’ll be able to get social security.

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Not in your 50s

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Originally Posted by Sluggo1

Like anything from the government, things get complicated and convoluted. To that, add the fact that many small businesses aren't really small businesses. A small business is defined, basically, as a business with 500 employees or less. Doesn't sound that small to me.

Then the franchise issue comes into play…Ruth's Chris qualified for loans probably by the fact that numerous individuals franchisees fall into the under 500 category and qualified. Not sure how the parent company got all that $$$$. If I had to guess, the corp HQ filled out all the forms for the various franchises.

Then you have the single guy that owns multiple small corps for the same type of business (this is common). Guy could own 20 restaurants and have 20 different corporations set up. Real estate people do this quite a bit. Each corporation applies and qualifies.

Then you have the disadvantage of being a small mom and pop organization. Many of them run out of their back pockets. Fast and loose. Terrible record keeping. They see their accountant once a year for taxes (maybe) and guess at everything. When they try to get a loan, they have trouble coming up with the info. Also many small business do not have a real relationship with their bank.

The Paycheck Protection application was open to interpretation. Sort of. Several places seemed to mix up the terms "Mortgage Interest, Rent, Leases" etc. Some took that to mean leases on equipment, vehicles etc. and included that in their amount. Others (including me) took the term lease and rent as "monthly cost for the property" since the two terms were right next to each other and that fit the spirit of the program. (and several items I read said the loans were for salaries and rent). In my opinion (means nothing) these applications that are over-requesting slows down the system for everyone.

To all of that…add the sheer volume of the requests.

Then toss in… the industry that set itself up to help business apply for the loan (for a fee). I get phone calls weekly.

It al makes for a perfect slow response storm.

I applied for the PPP and received funding in about three weeks. My record keeping is excellent and I was not asked to submit anything other than 2 forms that clearly supported what I was requesting. I also have a good relationship with my bank.

I think I was lucky in one way and well prepared in another.

There is another SBA loan out there that I applied for (EIDL Loan Economic Impact Disaster Loan) that is another story completely.I applied 3 times…the first two times the system crashed and I had to start over. The first time took over 4 hours to get halfway through it. The second time the form changed and crashed again. The third time the form completely changed again, took only 15 minutes and got through. I received a reference number so I assumed it is in. Nowhere in any of those three applications was I able to request an amount. I guess someday IO will be told what I am entitled to. Today (over 30 days later) I received conformation on a completely different number. I guess I am alive but I am not optimistic on that one. I envision everything getting back to normal and then two years from now I will get a small check from the SBA who know.

When you see people screaming to re-open the economy, please bear in mind that some people are desperate. The $1,200 (I haven't received mine yet) may pay for food for a few months (and don't tell me it won't) but it won't cover rent/mtge, car pmts, cr cd pmts etc. You can say to put a hold on rent/mtge and other payments but that just means you are asking others to finance your troubles. Whop finances their troubles.

People are not being stupid and care free, many are desperate. For the record, I'm losing my business shirt over this but think re-opening May 1 is too soon (that's Florida'a target date). We will operate on split staff, reduced production etc. until at least May 15 and then re-evaluate.

And I need a hair cut.

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Yeah I agree, and to be fair it was a rough deal to put together by any body trying to move at the pace that they were. I've been fortunate that I've been allowed to do business throughout this whole deal. We've(landscapers) actually gotten a little bump because people are spending so much more time confined to their property.