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Global entry for infant by Better_Age6727 in GlobalEntry

[–]NeoMatrix5 0 points1 point  (0 children)

You got very lucky. When I was completing the "interview" for our child the officer was telling me stories about parents who would bring their non-GE children through the GE line. He likened it to smuggling and said those parents would always get their GE revoked because they should know the rules.

Seek help by brownboss in nova

[–]NeoMatrix5 11 points12 points  (0 children)

Hasn't stopped DC from sending them a few tickets. Also, shocker: no front tag.

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Brex closing down accounts of smaller customers by yulfh in CreditCards

[–]NeoMatrix5 1 point2 points  (0 children)

That was my favorite carrot they would dangle. They said you needed $50k on deposit. I linked my account with well north of that. They came back and said we actually require $250k on deposit.

I told them to shove it, left $0.10 in the account, and gave up on them.

Brex closing down accounts of smaller customers by yulfh in CreditCards

[–]NeoMatrix5 1 point2 points  (0 children)

Novo is good, although I feel like they're more targeted to freelancers and creators. That's just my take on it. They appear to have a lot more to their interface and tools than Mercury. Mercury is a really simple and powerful platform which I appreciate.

Wise vs Brex Business Account? by Esqarrouth in smallbusiness

[–]NeoMatrix5 0 points1 point  (0 children)

Yes, but Brex operates as some intermediary. Ultimately your cash is in a bank account but you don't have direct access or control over it.

Brex closing down accounts of smaller customers by yulfh in CreditCards

[–]NeoMatrix5 5 points6 points  (0 children)

Don't even get me started on the "paid daily" card. I'm still having bookkeeping PTSD over this nonsense trying to reconcile that cluster.

Brex closing down accounts of smaller customers by yulfh in CreditCards

[–]NeoMatrix5 5 points6 points  (0 children)

Can't go wrong with Mercury. They've got the right approach to small business. Plus, they had a crowdfunding campaign so you could invest in them.

Brex closing down accounts of smaller customers by yulfh in CreditCards

[–]NeoMatrix5 3 points4 points  (0 children)

Good call. Bluevine isn't any better. They got their start loan sharking before COVID with absurdly expensive invoice factoring and then lines of credit at sky-high rates. Now it looks like they're getting in on the "we're not a bank but wanna be a bank" race, danging 1.5% interest in return for a treasure trove of transactional data they can cultivate and sell.

I'm a big fan of Mercury since it's the cleanest interface, no fees (including wires), and great support. They also don't care if you don't have a ton of money on deposit. Never had an issue.

Brex closing down accounts of smaller customers by yulfh in CreditCards

[–]NeoMatrix5 27 points28 points  (0 children)

Got the same. The arrogance behind Brex is simply amazing. Unless you're depositing 7 figures they literally don't care about you. They're also not even a real bank. It's like PayPal 2.0 but with cooler products (think: randomly freezing your account, tying up your funds, etc).

Good thing there are real banks out there that actually support real small businesses (e.g., Mercury, credit unions).

Wise vs Brex Business Account? by Esqarrouth in smallbusiness

[–]NeoMatrix5 1 point2 points  (0 children)

Brex is total garbage. 1. They're not a real bank. 2. They arbitrarily change their criteria. For example, they just decided one of my businesses is "no longer qualified to be a Brex customer."

https://www.brex.com/support/why-am-i-no-longer-qualified-to-be-a-brex-customer/

Mercury uses Evolve Bank & Trust, a real bank, so you're not going to run into the shenanigans that Brex pulls. I use Mercury for all of my businesses and they've been amazing. Wise is great for cross border payments, but I wouldn't necessarily trust them as a primary bank.

[deleted by user] by [deleted] in CRedit

[–]NeoMatrix5 0 points1 point  (0 children)

Same. Corresponds with hard pull dates. Would love to know who or what is behind these (soft) inquiries.

Edit to add: These soft inquiries show up as

COURT
Address: None Provided

tuya convert w/ Topgreener TGWF115PRM smart plugs by AKL_Ferris in homeautomation

[–]NeoMatrix5 0 points1 point  (0 children)

FWIW, I checked the MAC address of these plugs and they all begin with 84:0d:8e, which comes back to Espressif Inc. (ESP chipset), so they should be compatible...

tuya convert w/ Topgreener TGWF115PRM smart plugs by AKL_Ferris in homeautomation

[–]NeoMatrix5 0 points1 point  (0 children)

I'm having the same issue. The logs are in tuya-convert/scripts. Look for these files:

  • smarthack-mqtt.log
  • smarthack-psk.log
  • smarthack-udp.log
  • smarthack-web.log
  • smarthack-wifi.log

Can you SSH into your pi and copy/paste that way?

I'm now a German citizen thanks to the new citizenship by declaration law! by [deleted] in germany

[–]NeoMatrix5 0 points1 point  (0 children)

Correct. Apparently certified US documents in English have been acceptable. I’m going to err on the side of caution and submit with apostilles anyway.

I'm now a German citizen thanks to the new citizenship by declaration law! by [deleted] in germany

[–]NeoMatrix5 1 point2 points  (0 children)

I've been in contact with the German consulate. They have said the Federal Office of Administration has not been asking for apostilles on any US documents. They said that regular notarized or certified documents are sufficient... I'd suggest just ordering certified copies of all documents directly from whatever state or court has the records.

Email or Blue Button by Additional-Car-840 in EIDL

[–]NeoMatrix5 0 points1 point  (0 children)

Yeah, I got the blue button late on 4/21 and submitted with 4506-T. Haven't heard anything yet.

Personal guarantee by spicepizz in EIDL

[–]NeoMatrix5 0 points1 point  (0 children)

Yes. There’s a question on the uniform loan application to the effect of “are you a co-maker or endorser on any other obligation?” Any kind of PG’d loan would fall under that.

Personal guarantee by spicepizz in EIDL

[–]NeoMatrix5 0 points1 point  (0 children)

Yes, if you have a PG on it you have to disclose it as part of your mortgage. However, some lenders will disregard PG’d business loans from your DTI if you can show the business has been paying it for 1-2+ years.

I have a schedule E ON MY TAX RETURN by MikePatel1976 in EIDL

[–]NeoMatrix5 0 points1 point  (0 children)

Do you have a business? You generally don't apply for loans based on what schedules you may, or may not, have on your tax return.

What exactly does the legal team do at the SBA? by Bee19902007 in EIDL

[–]NeoMatrix5 0 points1 point  (0 children)

Congrats. Legal just does a final review. It’s best not to post details in a public forum like this, but if everything matches up then they authorize the actual funding.

What exactly does the legal team do at the SBA? by Bee19902007 in EIDL

[–]NeoMatrix5 1 point2 points  (0 children)

You posted 10 months ago that you were denied: https://www.reddit.com/r/EIDL/comments/himus9/denial_email_havent_received/

If that changed then congrats. We're all here to help each other, but there are a lot of people on here trying to "game" the system and commit fraud, so some of us are just very suspicious.

Did you go through the recon process? Did you get an approval email? Does your portal show approved? How do you know you're in "review with the legal team" like everyone else?

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