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  1. #421
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    Jul 2011
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    6,671
    Quote Originally Posted by Zmaster52 View Post
    Meanwhile, I havenít seen a penny from the government.


    Sent from my iPhone using Tapatalk
    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.

  2. #422
    Join Date
    Dec 2008
    Location
    Brooklyn New York
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    24,284
    Quote Originally Posted by benny01 View Post
    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.
    Iíve already spoken about my situation and donít 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 didnít. 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 Iíve heard from numerous people that they donít 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 canít exactly remember. All in all, the guy has made something like $10,000 in the last month. Granted, if anybody deserves it, itís 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 havenít seen a penny.

    Like, I get $400 a week, I would be ecstatic. Some of these people are getting $2500 plus that they donít even need.

    I was trying to move out, buy a car, start my life, etc. Iím gonna have to put that plan on hold for another year at least, when Iím gonna be 25...****.
    If Trump can become president with no political background then I don't understand why I need a resumť

  3. #423
    Join Date
    Jul 2011
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    6,671
    Quote Originally Posted by Zmaster52 View Post
    Iíve already spoken about my situation and donít 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 didnít. 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 Iíve heard from numerous people that they donít 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 canít exactly remember. All in all, the guy has made something like $10,000 in the last month. Granted, if anybody deserves it, itís 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 havenít seen a penny.

    Like, I get $400 a week, I would be ecstatic. Some of these people are getting $2500 plus that they donít even need.

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

  4. #424
    Join Date
    Mar 2018
    Posts
    8,309
    Quote Originally Posted by Zmaster52 View Post
    Iíve already spoken about my situation and donít 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 didnít. 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 Iíve heard from numerous people that they donít 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 canít exactly remember. All in all, the guy has made something like $10,000 in the last month. Granted, if anybody deserves it, itís 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 havenít seen a penny.

    Like, I get $400 a week, I would be ecstatic. Some of these people are getting $2500 plus that they donít even need.

    I was trying to move out, buy a car, start my life, etc. Iím gonna have to put that plan on hold for another year at least, when Iím gonna be 25...****.
    Try to get a job when you are in the 50s

  5. #425
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    Jul 2011
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    6,671
    Quote Originally Posted by benny01 View Post
    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.
    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.

  6. #426
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    Dec 2008
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    Brooklyn New York
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    Quote Originally Posted by Sluggo1 View Post
    Try to get a job when you are in the 50s
    lol at least youíll be able to get social security.
    If Trump can become president with no political background then I don't understand why I need a resumť

  7. #427
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    Dec 2008
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    Brooklyn New York
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    Quote Originally Posted by benny01 View Post
    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.
    Yeah Iíve tried. Iím in NY...everybody over here is getting ****ed over. All I can really do is try to unemployment which said theyíd contact me within 72 hours....250 hours ago. You call and just end up getting put on hold.


    Sent from my iPhone using Tapatalk
    If Trump can become president with no political background then I don't understand why I need a resumť

  8. #428
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    Jul 2011
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    6,671
    Quote Originally Posted by Zmaster52 View Post
    Yeah Iíve tried. Iím in NY...everybody over here is getting ****ed over. All I can really do is try to unemployment which said theyíd contact me within 72 hours....250 hours ago. You call and just end up getting put on hold.


    Sent from my iPhone using Tapatalk
    Got ya. Yeah I'm sure that system is completely taxed at this point.

  9. #429
    Join Date
    Oct 2014
    Posts
    10,166
    Early on I was throwing out some numbers on how devastating this is in my area. Hereís 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 ó roughly 10,500,000 ó is in NYC itself).

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

    ó NYC alone has 165 deaths per 100K
    ó 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).

  10. #430
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    Dec 2008
    Location
    Brooklyn New York
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    24,284
    Quote Originally Posted by Crovash View Post
    Early on I was throwing out some numbers on how devastating this is in my area. Hereís 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 ó roughly 10,500,000 ó is in NYC itself).

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

    ó NYC alone has 165 deaths per 100K
    ó 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).
    Where are you located?


    Sent from my iPhone using Tapatalk
    If Trump can become president with no political background then I don't understand why I need a resumť

  11. #431
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    Dec 2008
    Location
    Brooklyn New York
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    Quote Originally Posted by benny01 View Post
    Got ya. Yeah I'm sure that system is completely taxed at this point.
    More than 25 million people filing...I would imagine so.


    Sent from my iPhone using Tapatalk
    If Trump can become president with no political background then I don't understand why I need a resumť

  12. #432
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    Oct 2014
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    10,166
    Quote Originally Posted by Zmaster52 View Post
    Where are you located?
    Just outside of Danbury, CT (Fairfield County).

  13. #433
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    Mar 2018
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    8,309
    Quote Originally Posted by benny01 View Post
    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.
    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 playÖRuth'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 thatÖadd the sheer volume of the requests.

    Then toss inÖ 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 timesÖthe 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.

  14. #434
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    Mar 2018
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    8,309
    Quote Originally Posted by Zmaster52 View Post
    lol at least youíll be able to get social security.
    Not in your 50s

  15. #435
    Join Date
    Jul 2011
    Posts
    6,671
    Quote Originally Posted by Sluggo1 View Post
    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 playÖRuth'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 thatÖadd the sheer volume of the requests.

    Then toss inÖ 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 timesÖthe 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.
    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.

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