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    This is what Iíve read as well. Do a question...

    This is what Iíve read as well.

    Do a question for you and other smart people on here. Whatís the most likely reason why the infection didnít pass on to the rest of us? After about 4 hours we...
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    Everyone is good here. My 3 year old stayed...

    Everyone is good here. My 3 year old stayed asymptomatic the entire time and no one else had issues. The health department wouldnít let him retest but the rest of us did on Thursday and all came back...
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    In Utah it means 21 days since your positive...

    In Utah it means 21 days since your positive test. Assuming youíre alive.

    Which is interesting because the health department released you from isolation 10 days after testing positive as long as...
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    I got bored today and was messing around with the...

    I got bored today and was messing around with the Utah Covid data. I keep hearing that deaths follow cases by about 21 days, and hospitalizations trail by about a week. So I did some quick math. I...
  5. Nice grill. I love my pellet smoker and use it...

    Nice grill. I love my pellet smoker and use it for just about everything. Hereís A little pork porn from Sunday.

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    At least you wonít be blacked out from watching...

    At least you wonít be blacked out from watching him in a Dodgers uni when baseball returns in 2023.
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    So after dealing with the whole test, track and...

    So after dealing with the whole test, track and isolate system in Utah I can see why cases are not slowing down. Itís borderline worthless. Hereís a quick rundown if anyone is interested. By this...
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    Yeah, childcare and school is tough. Iím trying...

    Yeah, childcare and school is tough. Iím trying not to beat myself up over it, but itís hard not too feel guilty for sending them. But what do we do if thereís no vaccine for another year or 2?...
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    Well just got the shitty news that my household...

    Well just got the shitty news that my household is part of the antibody building group now. My 3 year old tested positive today and so far is an asymptomatic carrier.

    After a few months of...
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    It sounds like the bulk submission applications...

    It sounds like the bulk submission applications were approved at SBA without fully verifying if the business already had a ppp loan. I have lots of friends at Chase who were worried about their...
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    Etran has been smooth as butter since Tuesday...

    Etran has been smooth as butter since Tuesday night. If your bank is still using that as an excuse look elsewhere. We have approved almost 300 apps and were 100% caught up yesterday. Docs and...
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    Small Biz Support 2020

    It was our understanding that K1 distributions do not count, but net profit does. But itís still maxed out at $100k per owner in combined payroll and profit per year.

    Also if you have an etran #...
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    Are we all gonna agree beforehand whether or not...

    Are we all gonna agree beforehand whether or not this season will have an asterisk on it? If the Dodgers win it, Iím counting it as legit.

    I know thereís a million things more important right...
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    More than happy to get that done. What else can I...

    More than happy to get that done. What else can I do to a mag thatís offered me wine while I was stuck in LCC traffic hell?
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    Itís so fucking frustrating. We have 10...

    Itís so fucking frustrating. We have 10 processors and we have done 9 total. Iíve only got 1 in myself and normally itís a 10-15 minute process. No doubt they are prioritizing the ďbulk submissionsĒ...
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    Etran is crashing and is basically impossible to...

    Etran is crashing and is basically impossible to use. Itís almost like they had no clue every bank in the country would be submitting at the same time. Itís going to be a long fucking day.
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    Pull a trump and file BK.

    Pull a trump and file BK.
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    I was able to get through all of my personal...

    I was able to get through all of my personal clients and friends before funding ran out. We also got anyone who applied before last Thursday through the system. Cold comfort though for the businesses...
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    Can I get an ETA on that? Jokes aside, Iím...

    Can I get an ETA on that?

    Jokes aside, Iím still employed and no one I know is sick. If my kids driving me crazy is the worst that happens to me this year Iíll post it up as big fuckin win.
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    You wanna trade for a few days? I have an 8 and a...

    You wanna trade for a few days? I have an 8 and a 3 year old, and both my wife and I are working from home. I think Iím starting to get the shakes.
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    Looks like the ppp funds are officially dried up....

    Looks like the ppp funds are officially dried up. We are getting errors on new submissions through the SBA saying the program is no longer available. Hopefully they authorize more funds to the...
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    The letter is legit and will happen...

    The letter is legit and will happen automatically. No problem also having a ppp loan. Two separate aspects of the stimulus bill.
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    I keep hearing all of the ppp money will be gone...

    I keep hearing all of the ppp money will be gone some time tomorrow. Anyone hearing anything differently?
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    It seems like the smaller regional banks and...

    It seems like the smaller regional banks and credit unions are doing much better on average than the big banks. We were able to fund 40 of these on Friday, with another 10 or so waiting on signed...
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    Bob, you seem to have been doing right by your...

    Bob, you seem to have been doing right by your employees throughout this. Hopefully your getting a payroll loan, since the program seems made for companies like yours.
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    Small Biz Support 2020

    My wife is a commercial officer with Chase. Their process has been a shitshow, but theyíve processed 85,000 apps as of yesterday. Probably the same today.

    Our little shop should be caught up with...
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    Linda Tripp and John Prine should never be...

    Linda Tripp and John Prine should never be grouped together.
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    Seems to be a bank by bank decision. Weíd likely...

    Seems to be a bank by bank decision. Weíd likely let you use it if we had a decent relationship with you.
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    Supposedly $50 billion or so is accounted for. My...

    Supposedly $50 billion or so is accounted for. My shop will start funding our apps tomorrow and hopefully we will be through our queue by the 13th. We are pretty small potatoes as we only have about...
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    IHME projections now have Utah showing less than...

    IHME projections now have Utah showing less than 200 deaths through the summer. I wonder what changed since a few day ago when it showed 600.

    Still not sure what the end game is. Most of the...
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    Yup. We have received 250 applications since...

    Yup. We have received 250 applications since yesterday. We typically close 10 commercial deals a month, maybe 3 of which are SBA deals. Our average loan size hovers around a million dollars. Now we...
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    Rate just increased to 1%. I bet this gets...

    Rate just increased to 1%.

    I bet this gets postponed at least a week. Sba still hasnít given us anything on how to process these. I should just call in sick tomorrow.
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    Seriously. They actually make the payment for...

    Seriously. They actually make the payment for you. P&I is made so they are paying down your loan. Iíd call your servicer to cancel your autopay.

    As much as the sba is saying the payroll loans are...
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    They are making 504 debenture payments for the...

    They are making 504 debenture payments for the next 6 months as well. People will still need to talk with their bank though on the 1st mortgage portion. We are giving 3-6 month deferments on all of...
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    Looks like these deals are pretty damn borrower...

    Looks like these deals are pretty damn borrower friendly.

    - no closing costs
    - .5% interest
    - 6 months deferred payments
    - if 75% of proceeds are used for payroll, the loan will be forgiven
    -...
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    I tend to agree theyíll play games. Especially if...

    I tend to agree theyíll play games. Especially if they can get some of those Abbot Labs fast testing machines. But I think theyíll be in empty stadiums.
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    I should be sitting in Dodger Stadium right now,...

    I should be sitting in Dodger Stadium right now, drinking a Dos Equis and eating a Dodger dog. First pitch in 10 minutes.

    At some point I need to just accept there will be no live baseball and...
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    Still not a ton of info on how these new payroll...

    Still not a ton of info on how these new payroll loans will work, but here are the basics.

    The stimulus bill provides an authorization level of $349 billion for the SBA 7(a) program through...
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    Where are you getting 20% symptomatic rate?

    Where are you getting 20% symptomatic rate?
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    Iíve got a handful of clients who have made it...

    Iíve got a handful of clients who have made it through the sba emergency loan program this week. Sounds like a cumbersome bitch though. No approvals yet.

    Sounds like the new SBA payroll loans...
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    That was wild. My 3 yo thought it was fun. The 8...

    That was wild. My 3 yo thought it was fun. The 8 yo not so much.
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    The pics are making me smile. Stay safe mags.

    The pics are making me smile. Stay safe mags.
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    Iím a commercial loan officer for a local...

    Iím a commercial loan officer for a local financial institution in Utah and shit is now fully hitting the fan. Iíve already requested payment deferments for over $20 million in loans just today. Now...
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    I maybe shouldnít admit to it on the internet,...

    I maybe shouldnít admit to it on the internet, but I had about 15 minutes of debilitating terror last night for what may come. I had just put my kids to bed and was texting my 70 year old parents...
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    It was a great season for me. I got about 40 days...

    It was a great season for me. I got about 40 days in before it all closed down. Lots of great pow days early on, not too shabby for desk jockey like myself. Most of my days were with the kid who...
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    The boy is supposed to have his last day with his...

    The boy is supposed to have his last day with his ski club tomorrow at Alta. I think I am about to break it to him that we are pulling the plug. He's going to be heartbroken but it just seems...
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    Haha. Not quite that bad. But our CEO did laugh...

    Haha. Not quite that bad. But our CEO did laugh at me on Tuesday when I didnít shake his hand.
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    Got an email from our execs last night. They said...

    Got an email from our execs last night. They said they understood that schools are closed and we should use the weekend to find
    friends, family, and neighbors to watch the kids. They also mentioned...
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    Utah just announced no public schools for the...

    Utah just announced no public schools for the next weeks. They probably announced it today instead of yesterday to give people the weekend to figure their shit out. No skiing, no sports and no...
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    Donít confuse me with Todd Jones. His post is...

    Donít confuse me with Todd Jones. His post is idiotic.
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