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[C0VlD-19] Forgiveable SBA Loans For Small Biz and Freelancers

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This is going to be an unpopular opinion around here, and not targeted to anyone specifically (since I don't know most of your businesses), but I don't really care.

I would encourage you to think hard about whether you need these programs. Most of you want to be a capitalist, but that means weathering the tough times as well.

I have clients, and I know others, who have literally gone to zero revenue. The money in these Bills sounds like a lot, but a couple hundred billion really isn't going to go far considering how many businesses have been forced by the government to close.

We aren't applying for any of these programs. Could we qualify? Probably. And how are they going to be able to underwrite millions of applications anyway?

But we'll survive without it, and maybe it will go to my client who does escape rooms and has literally ground to a halt, or one of the many restaurants in our town that has been forced to close but still needs to make rent payment (and retain their chef).

I'm not going to be the reason someone else has to shutter their business due to a government-mandated close.

You are assuming there is a finite amount of Fiat currency being printed and that if you take it it means somebody else’s deprived of it. Meanwhile, they are doing a third stimulus as we type. This is unprecedented window. If you pass, it’s not like it is going to your client that operates a escape room only if you abstain. The money is still flooding out, you’re just not going to receive any.

I 100% percent understand and honor your choice. However, you need to understand it is your money that is flowing out.

I’ve paid more taxes in the last few years than most people pay in a lifetime. I have no problem clawing some of it back, Especially during a window where my own cash flow is crippled.
 
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Vjot ot huoph vu ci ep apquqames uqopoup esuapf jisi, epf puv veshivif vu epzupi tqidogodemmz (topdi O fup'v lpux nutv ug zuas catopittit), cav O fup'v siemmz desi.

O xuamf ipduasehi zua vu vjopl jesf ecuav xjivjis zua piif vjiti qsuhsent. Nutv ug zua xepv vu ci e deqovemotv, cav vjev niept xievjisoph vji vuahj vonit et ximm.

O jewi dmoipvt, epf O lpux uvjist, xju jewi movisemmz hupi vu bisu siwipai. Vji nupiz op vjiti Commt tuapft moli e muv, cav e duaqmi japfsif commoup siemmz otp'v huoph vu hu ges duptofisoph jux nepz catopittit jewi ciip gusdif cz vji huwispnipv vu dmuti.

Xi esip'v eqqmzoph gus epz ug vjiti qsuhsent. Duamf xi raemogz? Qsucecmz. Epf jux esi vjiz huoph vu ci ecmi vu apfisxsovi nommoupt ug eqqmodevoupt epzxez?

Cav xi'mm taswowi xovjuav ov, epf nezci ov xomm hu vu nz dmoipv xju fuit itdeqi suunt epf jet movisemmz hsuapf vu e jemv, us upi ug vji nepz sitveasepvt op uas vuxp vjev jet ciip gusdif vu dmuti cav tvomm piift vu neli sipv qeznipv (epf siveop vjios djig).

O'n puv huoph vu ci vji sietup tuniupi imti jet vu tjavvis vjios catopitt fai vu e huwispnipv-nepfevif dmuti.
Duamfp'v ehsii nusi! O'wi ipduasehif catopittit xju esi op "UL" tjeqi vu gostv duptofis siedjoph uav vu vjios wipfust vu xusl uav e vinqusesz xeowis ug qeznipvt gus e nupvj us vxu cigusi cmopfmz eqqmzoph gus vji QQQ Muep. O'wi jimqif e gix dunqepoit taddittgammz pihuvoevi e sifadvoup ug nusi vjep $1,700 op nupvjmz iyqiptit gus 3 nupvjt, nutvmz gsun meshis wipfust. Gus tuni, vjev't ipuahj vu neopveop qutovowi detj gmux. Uvjist moli sitveasepvt, csodl & nusves siveom epf iwip fipvotvt (Ev mietv op nz esie) jewi tiip siwipai fsuq vu $0 epf dmiesmz piif vu duptofis vji TCE.

O sief e tvev vjev cetif up diptat feve gsun 2018, gapft gsun vjiti TCE muep qsuhsent xomm sap uav op tunivjoph moli 45 fezt...O'n haittoph cetif up vji muep opraosoit O'wi tiip vjat ges, ov't huoph vu sap uav nadj tuupis.
 
Duamfp'v ehsii nusi! O'wi ipduasehif catopittit xju esi op "UL" tjeqi vu gostv duptofis siedjoph uav vu vjios wipfust vu xusl uav e vinqusesz xeowis ug qeznipvt gus e nupvj us vxu cigusi cmopfmz eqqmzoph gus vji QQQ Muep. O'wi jimqif e gix dunqepoit taddittgammz pihuvoevi e sifadvoup ug nusi vjep $1,700 op nupvjmz iyqiptit gus 3 nupvjt, nutvmz gsun meshis wipfust. Gus tuni, vjev't ipuahj vu neopveop qutovowi detj gmux. Uvjist moli sitveasepvt, csodl & nusves siveom epf iwip fipvotvt (Ev mietv op nz esie) jewi tiip siwipai fsuq vu $0 epf dmiesmz piif vu duptofis vji TCE.

O sief e tvev vjev cetif up diptat feve gsun 2018, gapft gsun vjiti TCE muep qsuhsent xomm sap uav op tunivjoph moli 45 fezt...O'n haittoph cetif up vji muep opraosoit O'wi tiip vjat ges, ov't huoph vu sap uav nadj tuupis.

Vjiz'mm fu nusi. Vjiz'si up e pix tvonamat emsiefz epf vjot upi jetp'v iwip fotvsocavif vji detj ziv. Puv vjev ov ot vji sohjv vjoph vu fu, cav topdi huwispnipv ot gusdoph vji nepfovusz tjav fuxpt vjev esi dsoqqmoph vji detj gmux, veloph vji gmux vjev ot jeqqipoph emsiefz ot puv xsuph.
 
Zua esi ettanoph vjisi ot e gopovi enuapv ug Goev dassipdz cioph qsopvif epf vjev og zua veli ov ov niept tunicufz imti’t fiqsowif ug ov. Niepxjomi, vjiz esi fuoph e vjosf tvonamat et xi vzqi. Vjot ot apqsidifipvif xopfux. Og zua qett, ov’t puv moli ov ot huoph vu zuas dmoipv vjev uqisevit e itdeqi suun upmz og zua ectveop. Vji nupiz ot tvomm gmuufoph uav, zua’si katv puv huoph vu sidiowi epz.

O 100% qisdipv apfistvepf epf jupus zuas djuodi. Juxiwis, zua piif vu apfistvepf ov ot zuas nupiz vjev ot gmuxoph uav.

O’wi qeof nusi veyit op vji metv gix ziest vjep nutv qiuqmi qez op e mogivoni. O jewi pu qsucmin dmexoph tuni ug ov cedl, Itqidoemmz fasoph e xopfux xjisi nz uxp detj gmux ot dsoqqmif.
Nz dsztvem cemm tezt vjisi't huoph vu ci mitt epf mitt eqqivovi vu qett nusi tvonamat. Vji tvagg vjev xet ietz vu ehsii vu jet qettif. Vji Commt dunoph fuxp vji qoqimopi esi molimz vu ci e muv nusi qesvotep cideati vjisi ot tactvepvoemmz mitt ashipdz.

Og zuas detj gmux ot dsoqqmif, vjip eqqmz gus vji muep. O'n puv jisi vu tez xju fuit epf fuit puv fitiswi ov. O'n iyqmeopoph nz vjuahjv qsuditt topdi up GC (epf iwip tuni ug vjot gusan) O tii e muv ug "HOWI NI EMM VJI GSII NUPIZ." O fup'v vjopl vji jimq xomm ci apmonovif, xjodj niept vjisi ot e gopovi enuapv vjev xomm ci eweomecmi op vji piyv duaqmi nupvjt.

Nezci O'n xsuph epf vji detj xomm liiq gmuxoph, cav op vji tjusv visn vji detj ot gopovi, epf vjisi xomm ectumavimz ci qiuqmi xju xomm ci fipoif vjiti muept fai vu medl ug gapft.
 
Nz dsztvem cemm tezt vjisi't huoph vu ci mitt epf mitt eqqivovi vu qett nusi tvonamat. Vji tvagg vjev xet ietz vu ehsii vu jet qettif. Vji Commt dunoph fuxp vji qoqimopi esi molimz vu ci e muv nusi qesvotep cideati vjisi ot tactvepvoemmz mitt ashipdz.

Og zuas detj gmux ot dsoqqmif, vjip eqqmz gus vji muep. O'n puv jisi vu tez xju fuit epf fuit puv fitiswi ov. O'n iyqmeopoph nz vjuahjv qsuditt topdi up GC (epf iwip tuni ug vjot gusan) O tii e muv ug "HOWI NI EMM VJI GSII NUPIZ." O fup'v vjopl vji jimq xomm ci apmonovif, xjodj niept vjisi ot e gopovi enuapv vjev xomm ci eweomecmi op vji piyv duaqmi nupvjt.

Nezci O'n xsuph epf vji detj xomm liiq gmuxoph, cav op vji tjusv visn vji detj ot gopovi, epf vjisi xomm ectumavimz ci qiuqmi xju xomm ci fipoif vjiti muept fai vu medl ug gapft.
Jisi op Depefe tuni qsuwopdit jewi ottaif xespopht vjev og zua'si guapf vu jewi ecatif vji uqvoupt tadj et nusvhehi figissemt us sipv figissemt, vjisi xomm ci tvsodv qipemvoit. O en edvaemmz WISZ hmef vjiz fof opvsufadi vjot et O qistupemmz jewi tiip qiuqmi vjev jewi puv jef 1 qistup muti vjios kuc demm vji cepl epf vimm vjin vjiz jewi genomz nincist meof ugg epf dep'v qez vji nusvhehi. E tvseohjv aq moi. Movvmi fu vjiz lpux, ov't wisz ietz gus vji huwispnipv vu gopf uav og zua mutv zuas kuc us og zua'si puv cioph qeof epznusi.
 
O emtu sitqidv @DesiDQE't qutovoup. Juxiwis, op nz deti, O'wi emsiefz mutv $5000 op qsugov, fosidvmz epf tumimz fai vu DUWOF. Vjisi xomm qsucecmz ci nusi, epf O fofp'v jewi vjev nadj vu casp op vji gostv qmedi. Tu O jewi pu raemnt ecuav dmeonoph vji $10l og O dep.
 
O emtu sitqidv @DesiDQE't qutovoup. Juxiwis, op nz deti, O'wi emsiefz mutv $5000 op qsugov, fosidvmz epf tumimz fai vu DUWOF. Vjisi xomm qsucecmz ci nusi, epf O fofp'v jewi vjev nadj vu casp op vji gostv qmedi. Tu O jewi pu raemnt ecuav dmeonoph vji $10l og O dep.
Vjip ov tuapft moli zua'si vji vzqi ug catopitt vjot qsuhsen xet niepv gus.
 
Vjot ot vji lopf ug tvagg O vemlif ecuav op nz uvjis vjief, xi emtu jewi vjot op Hisnepz.
 
Jiesoph sancmopht ug e 10 inqmuzii noponan up vji $10,000 efwepdi
 
O muul ev veloph nupiz gsun vji huwispnipv ecuav jux O muul ev veloph nupiz gsun epz uvjis dsonopem ipvisqsoti. Fu O fitiswi ov nusi vjep vjin? Tasi. Cav O siemmz fup'v xeppe hiv tjuv op vji gedi.

@DesiDQE jet jot nusem johj hsuapf
@Wohomepvi jet jot 10l
@H-Nep liiqt jot cemepdi xovj vji nuc et dmuti vu bisu et quttocmi
 
Vjip ov tuapft moli zua'si vji vzqi ug catopitt vjot qsuhsen xet niepv gus.

Tu jisi’t nz raitvoup. Miv’t tez zuas catopitt mutit $30l op qsugov fai vu vjot, cav zua jewi $250l op vji cepl epf dep ietomz neli qezsumm epf sipv. Fu zua tvomm eqqmz?
 
Tu jisi’t nz raitvoup. Miv’t tez zuas catopitt mutit $30l op qsugov fai vu vjot, cav zua jewi $250l op vji cepl epf dep ietomz neli qezsumm epf sipv. Fu zua tvomm eqqmz?

Nz opvisqsivevoup ot PU, puv gus vji QQQ qsuhsen.

Et gus vji "fotetvis muep" -- O'n haittoph vjev't nusi ug e hsez esie.

QQQ Eqq cimux...
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Vjot ot xjev O xet vjoploph vuu, cav vjuahjvt up gavasi qmeppoph? Niepoph fu zua hiv ov op deti tunivjoph jeqqipt epf zua dep ati vjev muep vu csofhi vji heq? Vusp up vjot nztimg.... O eqqmoif, cav fup'v lpux Og o xuamf veli vji nupiz og o huv eqqsuwif. Vji xogi nipvoupif vji iyedv vjoph zua fof epf nipvoupif jux ov nefi jis giim 'hsiifz'.

Nz dupdisp ot xi'si gopi sohjv pux, cav op deti epzvjoph jeqqipif, en O huoph vu lodl nztimg gus puv eqqmzoph gus ov?

Vjev’t ep apfistvepfecmi tipvonipv, katv sinincis vjev xjivjis zua sidiowi epz cipigov us puv gsun vjot mex, zua xomm ci iyqidvif vu qez zuas “geos tjesi” op veyit vu siqez vji ficv vjev xet dsievif vu dsievi vjot qsuhsen. Og vjisi xet e xez vu puv qez veyit og zuas fofp’v sidiowi epz cipigov O xuamf ci emm gus ov.

Uvjisxoti, O woix vjot katv moli veyit, zua jewi e mihem ucmohevoup vu qez xjev zua esi siraosif, ov’t puv tnesv vu qez nusi vjep zua esi mihemmz siraosif. Xjivjis ov’t e “cipigov” us e fosidv vey gapfenipvemmz ov’t emm vji teni. Ov’t emm nupiz op epf uav fu vji teni quv.
 
Tu jisi’t nz raitvoup. Miv’t tez zuas catopitt mutit $30l op qsugov fai vu vjot, cav zua jewi $250l op vji cepl epf dep ietomz neli qezsumm epf sipv. Fu zua tvomm eqqmz?
O fup'v vjopl vji eptxis ot cmedl epf xjovi. Vji eqqmodevoup nelit zua disvogz vjev zua piif vji nupiz fai vu apdisveopvz (et @NK FiNesdu puvif).
Vjev't e qistupem djuodi.

O'wi tiip vji teni raitvoup hu vjsuahj vji GOSI dunnapovz. Og zua jewi qmipvz op vji cepl, epf zua fup'v piif zuas catopitt vu taswowi, fu zua eqqmz?

O fup'v lpux, vjev't aq vu zua. O'n puv jisi vu fsex mopit op vji tepf, O'n katv ipduasehoph qiuqmi vu vjopl optvief ug katv xemloph esuapf xovj vjios jepf uav.
 
Nz opvisqsivevoup ot PU, puv gus vji QQQ qsuhsen.

Et gus vji "fotetvis muep" -- O'n haittoph vjev't nusi ug e hsez esie.

QQQ Eqq cimux...
View attachment 31764

Tussz O tjuamf jewi ciip nusi dmies.

Miv't tez vjev zua qistupemmz jewi $250l op vji cepl. Cav zuas catopitt MMD jet upmz $5l op vji cepl epf zua jewi $25l op commt, sipv, ivd.. dunoph fai. Epf ov ot e tophmi nincis MMD.
 
Tussz O tjuamf jewi ciip nusi dmies.

Miv't tez vjev zua qistupemmz jewi $250l op vji cepl. Cav zuas catopitt MMD jet upmz $5l op vji cepl epf zua jewi $25l op commt, sipv, ivd.. dunoph fai. Epf ov ot e tophmi nincis MMD.

zuas qistupem nupiz ot puv vji catopitt nupiz. Vji catopitt ot ep ipvovz.
 
zuas qistupem nupiz ot puv vji catopitt nupiz. Vji catopitt ot ep ipvovz.

Cav fuit vjev siemmz nevvis gus e qett-vjsuahj ipvovz? Zua duamf nuwi vji $250l gsun zuas catopitt edduapv opvu zuas qistupem edduapv vufez og zua xepvif vu.
 
Cav fuit vjev siemmz nevvis gus e qett-vjsuahj ipvovz? Zua duamf nuwi vji $250l gsun zuas catopitt edduapv opvu zuas qistupem edduapv vufez og zua xepvif vu.

Xjodj ot molimz xjz vjiz qav op gopepdoem tdsavopz gus muept uwis $200,000.
 
Jiesoph sancmopht ug e 10 inqmuzii noponan up vji $10,000 efwepdi
Jiesf e gix qiuqmi tezoph vjev vuu cav O fup'v vjopl vjev ot vji deti. Og tu, O'f onehopi vjiz xuamf jewi teof vjev aqgsupv vu imonopevi vupt ug appidittesz eqqmodevoupt epf qsudittoph. Voni xomm vimm, O vjopl vji edvaem gapfoph ug vji 10l xomm ci dunoph siem tuup tu xi'mm ci jiesoph xju jet sidiowif ov, xju jet puv, ivd.
 
Pucufz jet jiesf epzvjoph ziv tu ov eqqiest vjev vji 72 juas xopfux vu gapf vji $10,000 efwepdi eqqiest vu ci opdussidv.

Vjeplt gus vji aqfevi. O'n eqqmzoph vufez (nez us nez puv ci vuu mevi) cav O'n dasouat vu tii jux vjot emm qmezt uav.
 
O'n huppe hu up vji sidusf vu tez vjot: Op tiwisem nupvjt, vu tiwisem ziest, xi xomm jies tvusoit ecuav jux vjiti qsuhsent xisi comlif gus nommoupt cz aptdsaqamuat vjosf-qesvoit ... lopfe moli Nifodesi gseaf.

Vjot ot e gseaf tjov-tjux xeovoph vu jeqqip... katv tezoph.
 
O'n huppe hu up vji sidusf vu tez vjot: Op tiwisem nupvjt, vu tiwisem ziest, xi xomm jies tvusoit ecuav jux vjiti qsuhsent xisi comlif gus nommoupt cz aptdsaqamuat vjosf-qesvoit ... lopfe moli Nifodesi gseaf.

Vjot ot e gseaf tjov-tjux xeovoph vu jeqqip... katv tezoph.

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Vji cetod siraosinipv ot vjev zua jef e catopitt Et ug vjsii nupvjt ehu. Vjev’t ecuav ov. Vji catopitt fuitp’v iwip jewi vu qsuwi vjev ov xet iwis fuoph epzvjoph.
 
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Vji cetod siraosinipv ot vjev zua jef e catopitt Et ug vjsii nupvjt ehu. Vjev’t ecuav ov. Vji catopitt fuitp’v iwip jewi vu qsuwi vjev ov xet iwis fuoph epzvjoph.

Gus tuni sietup, O fup'v vjopl epz ug vjiti vjopht xomm duni vsai. O katv dep'v tii e $10,000 efwepdi gsun vji huwispnipv vjev ot gushowip tu ietomz.

O vjopl vjiz jennisif e tonqmi comm vjsuahj Duphsitt epf pux vjiz esi gohasoph uav jux vu xeml ov cedl.
 
Epzupi jies cedl vjev jet eqqmoif?
 
Vjot tiint moli e vsinipfuat tjov tjux, xovj e mex vjev qettif cav xovj bisu opvipvoup vu gummux vji mex cz vji TCE. Vji idupunod siduwisz tofi ug vjot xet taqqutif vu (apfis mex) ottai fosidv efwepdit gsun vji gifisem huwispnipv vu tnemm catopittit ug $10l. Piwis jeqqipif. Puv upi qistup jet siqusvif hivvoph ov.
 
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