Also use my local credit union that I have a good working relationship with to buy out my loan at a lower rate by a quarter percent saving me long term money at the end of forbearance.I know it all sounds a little selfish, but.....Thank you for taking the time to read.

The first quarter will be about break even.  

@Vijaianand Thirunageswaram like it or not its here  based on defn used by Feds (eg. negative growth for 2 quarters)  See attached.

Except for several things (e.g. air filters) that we do quarterly which a) makes sure they get done and b) gives us an excuse to stop by.

Love my quarters!

We provide quarterly updates as well as bi-weekly calls/video calls to keep our investors informed.

Does this require you to go through the pre-approval every quarter (give or take), and what is the ramifications of a hard pull on your credit four times a year?

Yes airlines got a bailout, yes they are currently going up, however, in the coming months quarterly profits will be posted, things may change. 

Probably three quarters of my calls are with people who never opened the pitch book before our scheduled call, and often, depending on their questions and conversation, I may not even mention or refer them to it.

This means the AGI ceiling is effectively 100% for the 2020 tax year.BUSINESS TAX PROVISIONSEMPLOYEE RETENTION CREDITEligible employers are allowed a credit against employment taxes for each calendar quarter equal to 50% of qualified wage (including health benefits) paid to employees.This amount is limited to $10,000 of wages paid to an employee for all calendar quarters.An eligible employer is one which is in a trade or business:Whose operation is fully or partially suspended due to orders from an appropriate governmental authority limiting commerce, travel or group meetings due to COVID-19; orWho has a “significant decline” in gross receipts (i.e., there is a decrease to less than 50% of the gross receipts for the same quarter in the prior year).Different rules apply as to the covered wages depending upon the number of employees the employer had in 2019.