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I have successfully scanned and electronically deposited torn checks. Using non-glossy tape is important, and lining it up well also.

If check is not torn through either of the rtg or acct #'s or the signature, I would go back to the B of A and try to have a teller deposit it. They have to run it through the magnetic number reader, so if the critical part is damaged it will not go through. If the teller refuses, politely ask to see the manger. Managers are paid to solve problems. I learned a log time ago that the lower level employees are trained to say no to anything that deviates from the rules, but people at the top are the ones that can bend the rules and say yes. Don't tape the check. Let the bank do that if it needs to be done. As for ATM and mobile, those will be rejected if they detect the tears, or the tape. As for replacing the check, here are the FTB's contact numbers and chatline link. https://www.ftb.ca.gov/refund/help-refund.html#Contact-us-about-refunds

"Specifically, this notice clarifies that no deduction is allowed under the Internal Revenue Code (Code) for an expense that is otherwise deductible if the payment of the expense results in forgiveness of a covered loan pursuant to section 1106(b) of the Coronavirus Aid, Relief, and Economic Security Act (CARES Act) According to the IRS, Sec. 265(a)(1) prohibits an otherwise allowable deduction under any provision of the Code, including Secs. 162 and 163, for the amount of any payment of an eligible Section 1106 expense to the extent of the resulting covered loan forgiveness (up to the aggregate amount forgiven) because that payment is allocable to tax-exempt income. This is consistent with the purpose of Sec. 265 to prevent a double tax benefit. The IRS cited Rev. Rul. 83-3 for the proposition that deductions must be decreased to the extent the associated expense is allocable to amounts excludable from gross income." Copied from Forbes: "The Paycheck Protection Program offers an alluring loan of up to $10M tax free. If you comply, you don’t even have to pay it back. What’s more, there is no forgiveness of debt income when your loan is forgiven, something that is standard fare if you are relieved of paying back debt. However, IRS Notice 2020-32 confirms you can’t claim tax deductions, even for the wages, rent, etc. that are normally fully deductible. The CARES Act provisions for small business include the Paycheck Protection Program, which calls for up to $10 million in forgivable loans to cover employee payroll, and immediate tax credits that are designed to do the same thing. AICPA Position: "The CARES Act itself does not address whether deductions otherwise allowable under the Code for payments of eligible Section 1106 expenses by a recipient of a covered loan are allowed if the covered loan is subsequently forgiven as a result of the payment of those expenses. The AICPA believes strongly that the IRS’s interpretation denying deductions of expenses forgiven under the PPP program is contrary to Congress’s intent. Chris Hesse, CPA, chair of the AICPA Tax Executive Committee, said: “In effect, the IRS guidance means that the taxability provision [Section 1106(i)] has no meaning. Why waste the ink to say that for purposes of the Code, the loan forgiveness is not includible in income, if the government will just take away deductions in the same amount?” Because it believes the intent of the CARES Act was to allow businesses to deduct all of their ordinary and necessary expenses — including any expenses used in determining PPP covered costs — the AICPA plans to seek legislative clarification. “We’re hopeful that we’ll see movement on the legislative front early next week,” according to Edward Karl, CPA, AICPA vice president–Tax Policy & Advocacy." I was just thinking about the potential impact on a Schedule C Taxpayer who could have to pay both additional Income Tax and SE Tax on these non deductible expenses. The moral of this story is: 1. Sometimes what seems to be too good to be true . . . . . . . 2. Always look inside your boots before you put them on . . . . . . 3. Sometimes there actually is a lump of coal in your Xmas Stocking

Medlin's analysis is awesome. Thanks for sharing your knowledge and recommendations on this. I think I'll switch from my erratic "as cash is available" payroll frequency to a weekly payroll for the next 8 weeks.

Thank you, Max.

I thought this article presented a very balanced, reasonable perspective on the PPP loan and how to think & act regarding under-spending (less than full loan forgiveness if it appears likely). https://www.forbes.com/sites/tomhager/2020/04/21/you-need-to-change-your-thinking-paycheck-protection-program-ppp/#4bc590e197c0

I hope they secure these trailers and there isn’t a fire. Those fires get very smoky and paper doesn’t like water. Sorry, that’s how I think, but on the positive side I’m sure the firefighters will save what they can if adequately notified.

My son, still in college has a NY residence, is a teachers assistant in Indiana, worked summer of 2019 in Massachusetts, and in January 2019 he got paid for his unused PTO from summer of 2018 job in Arizona. A college kid had to file in 4 states. I enclosed a discounted invoice of $675. A few days later I got a text, "are you out of your friggen mind?". I responded with , oh good you got it, sending An invoice was a sure way to know he received it and cheaper than sending certified or UPS.