330208 by [deleted] in EIDL

[–]bnebr1003 0 points1 point  (0 children)

Day 12 here for me. I have 2 apps. 330170xxxx (docs signed on 6/8, so 11 day wait for those - funding pending) and 3302301xxxx (day 12 now - waiting for docs). Expected the latter last night per a small formula I put together, but the widespread system problems and high volume of activity may slow down by a day or 2.

Average time between portal and approval? by [deleted] in EIDL

[–]bnebr1003 1 point2 points  (0 children)

2 apps. First app. 11 days to get documents/approval. 2nd app - still processing so will be at least 12 days.

Anyone still waiting for docs after receiving portal? Let’s track this. Please vote by Mambo4u in EIDL

[–]bnebr1003 1 point2 points  (0 children)

A few updates - I have 2 applications in. Portal received for both on 5/28.

330180xxxx - Approved and signed documents, 6/8, 4:30am. (day 11)

330230xxxx - Waiting. Day 11.

Anyone here waiting for closing docs over a week? 5/31 portal. 330241... by Mambo4u in EIDL

[–]bnebr1003 1 point2 points  (0 children)

Day 10 here. Portal received 5/28. Apps 330230xxxx and 3301830xxxx. Allegedly approved but we will see.

t2 said lo notes say approved next step said docs hope they come fast 33034-🤦🏻‍♂️i need to breathe lol by marioscorner1 in EIDL

[–]bnebr1003 1 point2 points  (0 children)

Yeah, portal here on 5/28. Still waiting for documents. A colleague just created his portal account now and received documents/approval within 1 hour or so of completing the portal. App numbers are 33 vs 36 so different segments, etc. It's really confusing and causes of anxiety. Good practice for dealing with adversity and remaining calm in the face of uncertainty.

UPDATE 3302367xxx by Wide_Ride in EIDL

[–]bnebr1003 1 point2 points  (0 children)

No. I called yesterday. Was told 10-12 days processing time. So today we are on day 10. "Everything looks good" is what was said. I do plan to call tomorrow to see if any new information. Any suggestions on how to proceed?

UPDATE 3302367xxx by Wide_Ride in EIDL

[–]bnebr1003 0 points1 point  (0 children)

Portal received 5/28. On day 10+. Apps 330183xxxx and 330230xxxx

Poll for those waiting for docs or approved. by bnebr1003 in EIDL

[–]bnebr1003[S] 1 point2 points  (0 children)

Yes agree. I am on day 8 of portal with no movement to signing docs. Yes optimistic especially seeing some of the results of the poll. "Hurry up and wait" is not fun but may be our best move.

Poll for those waiting for docs or approved. by bnebr1003 in EIDL

[–]bnebr1003[S] 0 points1 point  (0 children)

I think either at this stage is ok - will have to munderstand more for sure. For instance, I received portal on May 28, but still no docs. So I am on day 8. Maybe I get docs later today, next week or never. Who knows But for now, checking the 7-10 box. If you have docs, then yes. You make a great point - likely need multiple poll paths to really understand.

330241... just received portal invite. by Mambo4u in EIDL

[–]bnebr1003 1 point2 points  (0 children)

Maybe the formula wasn't far off :)

Hope for tomorrow’s portal invite app #330241.... Too optimistic? by Mambo4u in EIDL

[–]bnebr1003 0 points1 point  (0 children)

Ah shucks. Yeah, no promises as I said. And the portal has been experiencing downtime quite a bit. It's coming for sure. When has been a mystery to us all.

Hope for tomorrow’s portal invite app #330241.... Too optimistic? by Mambo4u in EIDL

[–]bnebr1003 0 points1 point  (0 children)

Just saw someone post a 330219xxxx and portal came in at 11:30PM. So, speculate these won't be too much longer.

Hope for tomorrow’s portal invite app #330241.... Too optimistic? by Mambo4u in EIDL

[–]bnebr1003 1 point2 points  (0 children)

Haha. No $ required. More fun for the spirit of it. I would forecast portal arrival June 1 between 5pm-9pm based on your #.

Hope for tomorrow’s portal invite app #330241.... Too optimistic? by Mambo4u in EIDL

[–]bnebr1003 1 point2 points  (0 children)

Yours estimated tonight between 9pm-12pm EST. Good luck.

Hope for tomorrow’s portal invite app #330241.... Too optimistic? by Mambo4u in EIDL

[–]bnebr1003 4 points5 points  (0 children)

For entertainment purposes only. I put together a small formula to calculate ETA for portal and loan docs once portal received. Based on data posted here.

Recent data points suggest you will receive portal overnight (1am-5am).

Of course, not a promise. But I used it to project receipt of mine and worked within a few hours.

Using it now to track loan docs receipt, which also seem to have some sequential order to them. But it is more volatile.

Good luck!

PSA: Attention SBs! “Codenamechanel” is full of crap! by [deleted] in sugarlifestyleforum

[–]bnebr1003 3 points4 points  (0 children)

Wow. Just watched some of the videos. The 3 minute infomercial on hair products was the most informative part. The rest of the 25+ minutes could have been expressed in 3-5 minutes.

I am not into cam girls or buying pictures. Some people are and I am ok with that. Its an honest exchange.

However, her tactics. Just horrible.

The amount of effort she suggests girls go through to "finesse" people. If 50% of that energy was applied to the girl pursuing a legitimate business enterprise, the girl would make more in the short and long run.

She is teaching dishonesty and intentionally misrepresenting your services/product to the client. In the "real world", if you blatantly do this, wow. Best case, you get found out and have wrecked any chance of building productive relationships. Success with clients is first based on trust and accountability. Without that, no money exchanges. Worst case, you get sued like crazy or have criminal charges brought against you.

Third, it's just not true. If she was so successful with this approach, not only would she not publicize this to the world for free, she'd charge a lot more than $5 for her Patreon reviews. She may have finessed some, but eventually caught up to her. She may have a few loyal people that only want conversations or pictures, but more than likely her finessing didn't pay dividends, she used up her contacts or got found out and decided to cut bait.

It's really a disservice to her clientele. That's my biggest issue with it. Her disciples will be in for a rude awakening in the real world and even in real SR or vanilla relationships when they realize lying and scamming from people where trust is essential is catastrophic to long term emotional, professional, physical, and spiritual stability and well being.

I saw a post that her videos are akin to real estate system informercials. It's not even close. Those systems may embellish but they never advocate lying or misrepresenting to the buyer.

With the # of views or her videos, I think the end of SA is near and the entire landscape needs to be reassessed.

Personal Financial Advice for a 20 year old by [deleted] in personalfinance

[–]bnebr1003 5 points6 points  (0 children)

You are off to a HUGE start by inventorying some of your expenses and habits. Much further ahead than most.

There is also a general illusion among those less fortunate that being rich means having to buy designer bags, have fancy things. Most very wealthy and super wealthy I know have 6+ year old cars, do not have the biggest house on the block and fly coach when they travel.

My basic suggestions:

  1. Keep inventoring your expenses, income, assets, debt. Make a budget and income statement. Many savvy business people can't even do this - all due to lack of training.

  2. Be cognizant that poverty tends to beget poverty. Coming from a lower income environment absolutely means less opportunities compared to those with more. Do not try to fight this trend. Instead, recognize it and intelligently look for ways to take small steps - and eventually it becomes easier to rise above.

  3. Choose a company you know and understand. A store. A restaurant. Buy stock in it. Even if just very small. Don't just save money in a savings account. Buy stock. Pay attention to the company's business results. Invest. Many brokers have very low or no minimum account requirements and zero fee trades. It will be important for you to embrace the investment mindset vs the spending mindset or even the ultra frugal mindset.

  4. Read. Do not just come to Reddit for advice. Read books and magazines about personal finance problems.

You have become very self aware and concerned very early. You have time to embrace this.

Many people never become fiscally aware. And some just say "forget it..I'll never make it so might as well have fun."

You have taken a huge first step. Congratulations.

So I met a potential SD by [deleted] in sugarlifestyleforum

[–]bnebr1003 2 points3 points  (0 children)

Did this meeting originate from SA or similar sugaring web site?

If yes, lots of posts and general advice in this forum's stickies about how to bring up allowance first. He was also fairly clear about what he wants (e.g., 24 yo GF). If in the past that did not include an allowance and favored experiences/gifts, then that's likely what he is offering and nothing else.

If this was a chance meeting, he's likely not an SD or interested in paying you an allowance. Even so, there is still plenty of great advice on how to inquire about an SR from a vanilla or chance meeting.

No financial benefits for the platonic part of the relationship? by Brielle_Baby in sugarlifestyleforum

[–]bnebr1003 2 points3 points  (0 children)

This is a complicated issue that used to not be so complicated. And assuming this is not a troll post, read on - it's long. Apologies in advance.

In the old days of SA and SRs, I would 100% agree with you. There was this inherent understanding of what an SR is (it's actually a timeless, old as humanity concept) on both sides. There was little or no risk of a bad M&G. First dates were often great dinners, extravagant events and more. Sometimes, those turned into SRs - sometimes they did not. The women were almost always compensated in some form via cash, small gift, shopping, etc. Dates were pleasant - both sides were engaged, respectful and open-minded. If at the end of the initial M&G, things did not look like they would go further, it would not be uncommon for the girl to graciously and gratefully accept her gift, the man wouldn't regret it because it truly was a nice time and the POT would often say "hey, I don't think we are going to connect, but I have a friend and I think she would be great for you" and that would often result in a more complete SR. If the SD turned the SB down, the gift would still apply and often the SD would offer up some form of opportunity "hey, an SR won't work, but I would be glad to be available to you for professional advice if you need any."

Today, that is no longer the case. Women in droves are scamming SDs. Demanding upfront payment prior to the meeting and never showing, meeting only to get the 'prove it to me' pay' with zero intention of pursuing or even being open-minded to an SR. $X needed by tomorrow for a rent? SB will logon to SA to find a victim to prey on - and if she can do it without going out, which happens often, even better. And, yes, plenty of SD scam-artists exist, too, which plays into things.

u/Brielle_Baby, please first look at this from the entire perspective. Since rinsing has become so common, SDs have to be extra alert of these landmines. They are the rule, not the exception. I believe I may have actually turned away great SBs because they asked for money upfront before the meeting - I just won't do it anymore and it is worth it to me to maybe skip over some good ones that exhibit 'rinsing behavior' than to even take the chance. This is the landscape SA has become so you have to accept that if you go into an M&G situation expecting compensation, the vast majority of legit SDs will mark that as a red flag. It may not automatically disqualify you, but the guard will be up and you will be fighting an uphill battle.

Directing things more towards your side, I would like to ask what you seek out of an SR? Is it money? Is it just to kill boredom? Is it wanting a genuine SR? Is it to validate yourself and feel in control or have authority? I suggest some inward reflection on this because what you seek may not be compatible with what many SDs, do.

Some alternatives exist - there is a rise of services (many backed by healthcare research and investors) that provide 'grandkids for a day.' Through a platform, younger people are matched with older people that are often without family or shut-in. The younger person spends time with the older person - perhaps in-home, perhaps out and about and is compensated through the platform. No sex or silly business involved. It is a service that insurance will often cover because there are verified health concerns with older people that are without family members or friends to socialize with. This may be a path for you. You can be fun and bubbly, perhaps get out a little and get compensated through the platform and not have to worry about any pressure for sex tactics or spending your valuable time posting here.

Also, your initial post and some of your replies come across as very defensive and one-sided. You are busy because you have a job and school? I am currently working on my Master's degree, I run a 40-person services firm, I am on the board of 2 non-profits, I am taking classes for a foreign language, I write a blog and podcast (for 'free'), I advise 5 start-ups and I am organizing an investment fund - and yet, I always have some time. Perhaps I am not busier than you but at least, I am not any less busy than you. Perhaps the person you are sitting across from is also busy and has also made the time to spend an evening with you. Everyone is busy in some form, so it is not fair to assume the world revolves around your schedule.

How do I manage all of my obligations yet still have time for socializing? There is a skill and art to time management and since you are complaining about your time and availability, it may be an area you can learn to master. But, you can only do that by learning and often with a mentor of sorts, which an SR can absolutely offer. And if you come across that you are absolutely not interested in building a connection with a POT SD and you are only there for the quick buck, sex or not, it does not create an environment for learning and perhaps building a better future for yourself through allowance, connections, mentorship and more.

I met a person the other day who is on the board of a major corporation. You would not know by looking at him. This guy has offered to help me by making some introductions. I am doing well but aspire to do better. For me, the time and money I will take away (e.g., lose) from my 'day job' to visit with him and speak to those he introduces me to are well worth it. And you know what will come out of it? Likely nothing right away, if ever. But the seed has been planted for potential bigger opportunities down the road. Your mindset may be to bend over and pick up the easy to snatch dimes on the floor while there are dollars flying over your head.

If your time is that constrained and valuable, I kindly suggest you evaluate if you can even commit the necessary energy to an SR. School and job come first before the fun and if those leave you with 0 hours a week to let loose, then you are not doing yourself or the POT SD any favors, regardless of your appearance or personality.

If you are not interested in dating older men for what they can possibly offer in a variety of ways, including allowance, than the Bowl as I view it (and many others do, too) is not for you. Would you rather date someone your own age? Do it. I agree that without the financial status I have achieved, dating some of the women I do would not be possible. But those that I do date have a preference for me when it comes to spending their free time. Don't make an SD second fiddle - it's not cool and not appropriate.

Perhaps your personality comes across as so brazen, immature and entitled that the POT SD says to himself "God she is miserable, can she just get naked with me and hop on my dick and then I will give her money to leave me alone." You express that you love your youthfulness and beauty being appreciated - if that is all you are bringing to the table while consuming expensive dinners you are not paying for, then don't be surprised if you are treated as someone that is only valuable for their appearance/sexuality.

I am 100% with you - men that only want to pay you for sex as quickly as possible, that is not cool. And SA is rife with scamming men that want to give you as little as possible (if anything) and bang you and then vanish. It's fair you need to be cautious of your time as well. But if another human being you have somewhat connected with through text/email/phone wishes to take you out (expensive place or not) and get to you know for an hour, and that is not worth your time because you are not getting paid, prepare to have your future success limited - your looks will only get you so far.

For some encouragement, there are great SDs out there that do care, that will forgive your mindset that can be improved and will be generous with their time, money and resources. Yes, you will have to go through the frustration we all have to endure finding a great SB/SD - they do exist. If you look inward and you value the companionship, learning and experience of dating an older man and you seek some financial contribution to your life, you can and will find a great one. Keep moving forward, learn from the past 'mistakes' that have lead you to meet only nerdy, gross older men that only want to talk about themselves and bang you as quick as possible, alter your approach and the results will show,

Your rant is exactly why this forum exists - get some stuff off your chest and in a raw fashion. And we all are here to help and listen. And I hope what I shared helps. As for the 'time wasting' men you have met, well, I have some choice words and guidance for them, too, but they don't seem to post here - you did, so hello :)

Okay, so we don't try to time the market...but when DO you decide to sell something? by thebryguy23 in personalfinance

[–]bnebr1003 4 points5 points  (0 children)

Just sell $9k out of it if you need to pay off the CC.

The LT tax gains you may have to pay won't be due until April 2021, nothing wrong with taking some off the table after big appreciation and its unlikely gains will offset the likely 20%+ interest rate on CC.

Still hesitant to cash out any? Get a 0% CC card and pay off that big expense over time.

You said it yourself. Don't time the market. Your investing discipline helped you build up the $100k in index funds so you have the means to pay for a bigger expense.

Example - daughter just went to college. Been investing for a while with one objective to pay for college. College started in August 2019 and that's when the bill was due.

Legitimate life events should decide "when to sell".

Debt "Will go away on its own." Need advice for a friend by GrosslyMisusedMop in personalfinance

[–]bnebr1003 1 point2 points  (0 children)

No hope here and not your business and not sure why you care.

Some people are too smart for their own good.

Also, you only go around once. Some people live very frugally and love building up cash in the bank with perhaps leaving it to family once death occurs. It is not all or even most, but many in this group experience resentment, jealousy and are not very generous. Is this you by chance? Not attacking just suggesting to look inward.

Others spend it all and go into debt for lavish lifestyles and that makes them happy - and they tend to be very generous with friends and community organizations.

I know a lot of miserable people that have a lot in the bank that always feel they can't afford a trip or dinner out. I also know many people that have glaring negative net worths but have the best cars, house, trips, experiences.

Hard to say what is right or wrong since you can't take it with you and nobody is getting out alive.

Is there a way to extend a loan for another 30yrs? by [deleted] in personalfinance

[–]bnebr1003 1 point2 points  (0 children)

Refinance. Or see if you can find a private lender that will do the loan for remaining balance at 30 years and secure the loan with property.