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(MSN)   It's not just the renters who will be out on the street, a tsunami of deferred debt is coming ashore and will hit homeowners no longer protected by the foreclosure moratorium soon   (msn.com) divider line
    More: Followup, Mortgage, Foreclosure, Money, monthly payments, New Orleans, forbearance ends, mortgage servicers, percent equity  
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3317 clicks; posted to Main » and Politics » on 01 Aug 2021 at 1:38 PM (12 weeks ago)   |   Favorite    |   share:  Share on Twitter share via Email Share on Facebook



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2021-08-01 3:36:52 PM  

4seasons85!: Snapper Carr: 4seasons85!: My fun surprise this morning paying rent was discovering a charge to pay with debit card. We were just bought out by another company less than five days ago. My previous company either charged us $5 to use the card or nothing if signed up for automatically withdrawal. The new company didn't mention any changes to the rent system. Today to pay my rent, with no other option to pay by check, I had to pay an additional $50 to use the online services. So basically it's going to cost me an additional $50 dollars every month to pay rent. The level of greed with rent and houses right now is insane.

See if they accept money orders.  It's an extra step but it's better than a $50 surcharge

Will do! I've already left a nasty voicemail.  The rent charge without notice on a Sunday where the office is closed is very inappropriate.  I will be calling them tomorrow to discuss my options and try to get a refund.


Might even be illegal too. I'm a few hours north of you in NJ and that can't happen by law. Mention calling the ACLU for unfair renting practices and see if that helps.
/it may not, but it's a start
//hope everything works out for youse guys
///tres
 
2021-08-01 3:37:43 PM  

4seasons85!: thealgorerhythm: 4seasons85!: My fun surprise this morning paying rent was discovering a charge to pay with debit card. We were just bought out by another company less than five days ago. My previous company either charged us $5 to use the card or nothing if signed up for automatically withdrawal. The new company didn't mention any changes to the rent system. Today to pay my rent, with no other option to pay by check, I had to pay an additional $50 to use the online services. So basically it's going to cost me an additional $50 dollars every month to pay rent. The level of greed with rent and houses right now is insane.

Are you capable of paying your rent with money? Serious question, because my suggestion sounds dickish if you can't.

I just have a recurring electronic payment sent from my bank on a monthly basis 10 days before it's due. It's a free service of my bank because it's cheaper to them than processing checks.

I can do this because I have a reliable paycheck and the price doesn't change. YMMV.

Yes I am fortunate that I can afford to pay every month.  My account previously had automatic withdrawal set up through the apartment portal. There was no charge. So it went directly through my bank account.  This new system requires a card (which is possible they aren't fully set up yet since it's a new system) and there's no option to pay direct from my bank account.  I looked into the automatic payment setup and it uses the card and therefore also has a fee. I've never had to set up with my bank, the company would just take it from my account so long as they had my account and routing number. There is no option here for that.


Check and see if your bank can issue you a card for this.It doesn't have to be a new "credit" account
but just a debit card tied to the checking/saving account....That might eliminate the problem too..
Call them and ask about it...
 
2021-08-01 3:38:38 PM  
HaHa! My house has been PAID OFF for 14 years now...and its resale value really took off!! I never lost work through the plandemic either...in fact, I got 20% bonus "covid" pay. My 401K took off and Im in Fat City now. Also no credit card debt either. Im sitting pretty now. Financially, Im doing very good. Going to retire in a little more than 4 years. Feel really, really bad for you saps hurt by the Commie Cold...but I like being able to sit on ny front porch of my paid for house, drink beer, fart and think about all those saps all depressed wondering how they will survive. It really sucks to be them....or you if youre affected by it.
 
2021-08-01 3:39:58 PM  

Frizbone: HaHa! My house has been PAID OFF for 14 years now...and its resale value really took off!! I never lost work through the plandemic either...in fact, I got 20% bonus "covid" pay. My 401K took off and Im in Fat City now. Also no credit card debt either. Im sitting pretty now. Financially, Im doing very good. Going to retire in a little more than 4 years. Feel really, really bad for you saps hurt by the Commie Cold...but I like being able to sit on ny front porch of my paid for house, drink beer, fart and think about all those saps all depressed wondering how they will survive. It really sucks to be them....or you if youre affected by it.


Do you and your supermodel girlfriend own a TV?
 
2021-08-01 3:42:59 PM  

Frizbone: HaHa! My house has been PAID OFF for 14 years now...and its resale value really took off!! I never lost work through the plandemic either...in fact, I got 20% bonus "covid" pay. My 401K took off and Im in Fat City now. Also no credit card debt either. Im sitting pretty now. Financially, Im doing very good. Going to retire in a little more than 4 years. Feel really, really bad for you saps hurt by the Commie Cold...but I like being able to sit on ny front porch of my paid for house, drink beer, fart and think about all those saps all depressed wondering how they will survive. It really sucks to be them....or you if youre affected by it.


Bless your heart.
 
2021-08-01 3:43:38 PM  

bluejeansonfire: Fonaibung: WalkingSedgwick: Nice government you've got there when legislators going on vacation to enjoy their donors' money is more important than doing anything about this.

America is largely controlled by a minority (Republicans) who answer to a vanishingly small donor class of people. It's a failed state.

America is controlled by the people who control both political parties: the wealthy.

Stop this farce of presenting Republicans vs Democrats as "good versus evil," because that's not remotely true.

It's "Aggressive Lapdogs of the Wealthy vs Polite and Cowardly Lapdogs of the Wealthy"


Can't agree more. So much that is wrong in this country is just class warfare wrapped up in another package.
 
2021-08-01 3:45:48 PM  

bluejeansonfire: Fonaibung: WalkingSedgwick: Nice government you've got there when legislators going on vacation to enjoy their donors' money is more important than doing anything about this.

America is largely controlled by a minority (Republicans) who answer to a vanishingly small donor class of people. It's a failed state.

America is controlled by the people who control both political parties: the wealthy.

Stop this farce of presenting Republicans vs Democrats as "good versus evil," because that's not remotely true.

It's "Aggressive Lapdogs of the Wealthy vs Polite and Cowardly Lapdogs of the Wealthy"


The more people wake up to this reality the sooner things will change. The two party system in American politics really needs to end. For that to happen means legislation. They ain't gonna let that happen.
 
2021-08-01 3:51:44 PM  

Catsaregreen: The Founding Fathers made sure we aren't a democracy (i.e., mob rule). They made damn sure that we're a representative republic - where even tiny-arse states like Delaware get a say. Sorry that you have to pay your rent, I'm sure in Sweden or China no one pays rent - you might want to consider moving there. Also, if we're such a collapsing oligarchy, how come everyone and her mother want to come here?


Did someone teach you how to do an eight point Gish Gallop in a single paragraph or is regurgitating talking points just a skill that came naturally to you?
 
2021-08-01 3:53:39 PM  

Frizbone: HaHa! My house has been PAID OFF for 14 years now...and its resale value really took off!! I never lost work through the plandemic either...in fact, I got 20% bonus "covid" pay. My 401K took off and Im in Fat City now. Also no credit card debt either. Im sitting pretty now. Financially, Im doing very good. Going to retire in a little more than 4 years. Feel really, really bad for you saps hurt by the Commie Cold...but I like being able to sit on ny front porch of my paid for house, drink beer, fart and think about all those saps all depressed wondering how they will survive. It really sucks to be them....or you if youre affected by it.


Good for you boomer
 
2021-08-01 3:57:23 PM  

Frizbone: HaHa! My house has been PAID OFF for 14 years now...and its resale value really took off!! I never lost work through the plandemic either...in fact, I got 20% bonus "covid" pay. My 401K took off and Im in Fat City now. Also no credit card debt either. Im sitting pretty now. Financially, Im doing very good. Going to retire in a little more than 4 years. Feel really, really bad for you saps hurt by the Commie Cold...but I like being able to sit on ny front porch of my paid for house, drink beer, fart and think about all those saps all depressed wondering how they will survive. It really sucks to be them....or you if youre affected by it.


Fark user imageView Full Size
 
2021-08-01 4:00:09 PM  

bluejeansonfire: 17 million.

There are 17 MILLION people in rented homes that might be homeless as soon as tomorrow.

Does anybody truly grasp how many people that is??

And Congress and Biden just..... let it happen. Cori Bush and progressives slept on the Capitol steps over the weekend to try to get people to care. And Democrats decided to use a unanimous decision vote instead of a simple majority vote to address it?? Goddammit.

And don't give me any bullsh*t about the "rules" or how it "has to be through Congress" or some bullsh*t, when Trump showed us that breaking all the rules and doing whatever you want gets you whatever you want.

When 17 million people are about to be homeless, starving, and dying (DURING A PANDEMIC), and you say that you can't help them because of the "rules," you are a monster. Full stop. You care more about being patted on the head for being a good and obedient soldier for following the rules than you do about people being robbed by the already-rich.

F*ck this country. F*ck anyone and everyone who was in a position of power to help but decided not to.


It won't be as soon as tomorrow. In normal times, it takes a good three months to remove a tenant. The courts are already backed up with other shiat due to covid. I'm pretty sure many courts will just push evictions to the bottom of the pile.

Not that this isn't a huge problem though.
 
2021-08-01 4:01:06 PM  
Have we talked about how Nancy Pelosi's husband stands to make a mint from the eviction crisis?
 
2021-08-01 4:04:41 PM  

Fara Clark: bluejeansonfire: Fonaibung: WalkingSedgwick: Nice government you've got there when legislators going on vacation to enjoy their donors' money is more important than doing anything about this.

America is largely controlled by a minority (Republicans) who answer to a vanishingly small donor class of people. It's a failed state.

America is controlled by the people who control both political parties: the wealthy.

Stop this farce of presenting Republicans vs Democrats as "good versus evil," because that's not remotely true.

It's "Aggressive Lapdogs of the Wealthy vs Polite and Cowardly Lapdogs of the Wealthy"

The more people wake up to this reality the sooner things will change. The two party system in American politics really needs to end. For that to happen means legislation. They ain't gonna let that happen.


Legislation? Seems to me a two party system would break if another party got support (money).  After all the voters decide who is elected and sadly advertising money has a big hand in this.

Problem that in the past one of the two parties just absorbs any other party, like what happened to the bible thumpers (Republican absorption) or the tree huggers (Democratic absorption).
 
2021-08-01 4:05:44 PM  

Leader O'Cola: Giantilio: hervatski: I thought most people won't be hit by foreclosures due to the gov mandating that balances be added to the back end of the loan?

We had to do the forbearance. My wife and I were hit hard (workwise) from the pandemic. We are in a much better place now and will be back sending out the mortgage payment each month. Of course... my wife received a nice phonecall Friday by the company declaring "an attempt to collect a debt" in the full amount of what we didn't pay during that time. Needless to say, she handed the phone to me before the panic attack kicked in. Turns out that our "situation" has to be "reviewed" before our options (if any, besides pay up) are made available. We have an FHA mortgage. Always paid on time for the previous 10 years we've been in the house, never missed a payment, or been in forbearance before. We were told repeatedly that the missing payments would be put into a 0 interest loan payable at the end of the mortgage. Hoping for the best here. Don't need this worry.

If your finances are stable again couldn't you take an equity loan to pay the forbearance  amount as a last case option?  With 10 years paymebt you surely have significant %


As a last ditch, you can try lending club or prosper (peer to peer lending). Not generally as good as bank loans, but definitely better than credit cards.
 
2021-08-01 4:06:12 PM  

lolmao500: bluejeansonfire: 17 million.

There are 17 MILLION people in rented homes that might be homeless as soon as tomorrow.

Does anybody truly grasp how many people that is??

And Congress and Biden just..... let it happen. Cori Bush and progressives slept on the Capitol steps over the weekend to try to get people to care. And Democrats decided to use a unanimous decision vote instead of a simple majority vote to address it?? Goddammit.

And don't give me any bullsh*t about the "rules" or how it "has to be through Congress" or some bullsh*t, when Trump showed us that breaking all the rules and doing whatever you want gets you whatever you want.

When 17 million people are about to be homeless, starving, and dying (DURING A PANDEMIC), and you say that you can't help them because of the "rules," you are a monster. Full stop. You care more about being patted on the head for being a good and obedient soldier for following the rules than you do about people being robbed by the already-rich.

F*ck this country. F*ck anyone and everyone who was in a position of power to help but decided not to.

They should march on DC and wall street and burn them to the farking ground.


Already tried that back in January.
 
2021-08-01 4:09:48 PM  

lolmao500: austerity101: They don't care. Their lives are fine, so they don't see what the big deal. It's privilege and arrogance all the way down.

Yup thats the main problem with politicians. They all get their $100 000 salary with full benefits and make millions from various bribes and ''investments''... their families members get half a million a year jobs doing nothing but somehow this isnt considered bribes because reasons.

The longer in congress they stay, the more corrupt they become and the less farks they give.Congressfolks and senators should be forced to live like the poorest in the country to see how farking bad it is so they would improve stuff for real. Make Yertle live in a 2 rooms apartment with his wife with paper thin walls and give him only mac & cheese to eat 7 days a week and you'll see how farking fast the minimum salary goes up.


Don't forget their spending accounts and campaign funds.

What's the first thing a politician does once elected? They start planning their reelection campaign.
 
2021-08-01 4:17:03 PM  

zeaper12: Fara Clark: bluejeansonfire: Fonaibung: WalkingSedgwick: Nice government you've got there when legislators going on vacation to enjoy their donors' money is more important than doing anything about this.

America is largely controlled by a minority (Republicans) who answer to a vanishingly small donor class of people. It's a failed state.

America is controlled by the people who control both political parties: the wealthy.

Stop this farce of presenting Republicans vs Democrats as "good versus evil," because that's not remotely true.

It's "Aggressive Lapdogs of the Wealthy vs Polite and Cowardly Lapdogs of the Wealthy"

The more people wake up to this reality the sooner things will change. The two party system in American politics really needs to end. For that to happen means legislation. They ain't gonna let that happen.

Legislation? Seems to me a two party system would break if another party got support (money).  After all the voters decide who is elected and sadly advertising money has a big hand in this.

Problem that in the past one of the two parties just absorbs any other party, like what happened to the bible thumpers (Republican absorption) or the tree huggers (Democratic absorption).


See what it takes to get candidates on a ballot. If you aren't one of the two parties, the obstacles are not easily surmounted. BLM , nor the Teaparty will be allowed to siphon off voters, or that sweet sweet campaign contribution money.
 
2021-08-01 4:34:32 PM  

4seasons85!: Fara Clark: 4seasons85!: thealgorerhythm: 4seasons85!: My fun surprise this morning paying rent was discovering a charge to pay with debit card. We were just bought out by another company less than five days ago. My previous company either charged us $5 to use the card or nothing if signed up for automatically withdrawal. The new company didn't mention any changes to the rent system. Today to pay my rent, with no other option to pay by check, I had to pay an additional $50 to use the online services. So basically it's going to cost me an additional $50 dollars every month to pay rent. The level of greed with rent and houses right now is insane.
Are you capable of paying your rent with money? Serious question, because my suggestion sounds dickish if you can't.
I just have a recurring electronic payment sent from my bank on a monthly basis 10 days before it's due. It's a free service of my bank because it's cheaper to them than processing checks.
I can do this because I have a reliable paycheck and the price doesn't change. YMMV.
Yes I am fortunate that I can afford to pay every month.  My account previously had automatic withdrawal set up through the apartment portal. There was no charge. So it went directly through my bank account.  This new system requires a card (which is possible they aren't fully set up yet since it's a new system) and there's no option to pay direct from my bank account.  I looked into the automatic payment setup and it uses the card and therefore also has a fee. I've never had to set up with my bank, the company would just take it from my account so long as they had my account and routing number. There is no option here for that.
If I remember correctly, when you use a CC, the merchant pays the processing fees. When you use a debt card, your bank (you) pay the transaction fee. But neither of those fees are $50, even when they are a % of the transaction they generally capped at a max amount.
Yeah it's a 3.5%(?) processing fee which with m ...


Because I despise these kinds of conversations, I always remember that it was the well-off that made all this happen. If some money-minded parties weren't always so interested in gouging others, we wouldn't even have stuff like ATMs and credit lines and multiple levels of loans, and we wouldn't have a bunch of people who are always trapped by somebody taking a cut out of their money, so that third parties can take another cut, and then somebody else can take another cut, for your convenience, and before you know, it, everybody on earth is getting fed except you--you lost your little house.

But it wasn't people like me who did this. I don't know a thing about it. I don't even use credit unless I have to. I don't know about farking stocks, or how to roll over funds, or how to buy three houses and pay them all off by renting them out for AirBnbs. I'm not interested in gouging people to get more than my share, or improving my credit score, or finding a loophole so that I can get rich quick.

You know who knows about these things? Farkers. The loving libs who want the best for everyone, but especially for themselves. they know all about mortgage rates, and how to make your 401K produce, and how to flip that house, and how to play with their taxes so that they get to take a lot, but pay not so much for it. They know how to suck money out of the system to benefit themselves, and not pay for it.
They WANTED all this shiat--all the credit, and all the weaselwords, and all the games, and all the rush, of being little kings, while still running their personal lives like Donald Trump. So now we ALL can take advantage of all the things that the wonderful businesspeople put into our lives, whether we wanted it or not.
Somebody wanted it though, and it looked a lot like well-off, educated, snooty first-world posers. It's not even a thing if you're poor. Not if you're smart.
Sounds like a personal problem.
 
2021-08-01 4:43:26 PM  

4seasons85!: farkmedown: 4seasons85!: My fun surprise this morning paying rent was discovering a charge to pay with debit card. We were just bought out by another company less than five days ago. My previous company either charged us $5 to use the card or nothing if signed up for automatically withdrawal. The new company didn't mention any changes to the rent system. Today to pay my rent, with no other option to pay by check, I had to pay an additional $50 to use the online services. So basically it's going to cost me an additional $50 dollars every month to pay rent. The level of greed with rent and houses right now is insane.

Back to paper checks?

There was no notice given about changes to rent payment. They didn't mention any fees. There was no option stated for using checks. So I wouldn't even know where to give it if I had a check. It was literally just a sudden thing. They got a chewing out via voicemail and I am talking to them first thing tomorrow.


The main point you should be making is that you have a rental agreement which is an enforceable contract and that all it mentions is that there is a rental payment that you are to obligated to make and all you need to know is where to send it.  There is nothing in the rental agreement about any fees.  In fact, I'm fairly certain the rental agreement has language specifically detailing how and where you are to make payment.  Every one of mine did and it is there to prevent scummy renters from claiming they didn't know where to pay.

Dig out the rental agreement and follow what it says to the letter.  Bam! Done.
 
2021-08-01 4:59:48 PM  

bluejeansonfire: 17 million.

There are 17 MILLION people in rented homes that might be homeless as soon as tomorrow.

Does anybody truly grasp how many people that is??

And Congress and Biden just..... let it happen. Cori Bush and progressives slept on the Capitol steps over the weekend to try to get people to care. And Democrats decided to use a unanimous decision vote instead of a simple majority vote to address it?? Goddammit.

And don't give me any bullsh*t about the "rules" or how it "has to be through Congress" or some bullsh*t, when Trump showed us that breaking all the rules and doing whatever you want gets you whatever you want.

When 17 million people are about to be homeless, starving, and dying (DURING A PANDEMIC), and you say that you can't help them because of the "rules," you are a monster. Full stop. You care more about being patted on the head for being a good and obedient soldier for following the rules than you do about people being robbed by the already-rich.

F*ck this country. F*ck anyone and everyone who was in a position of power to help but decided not to.


Hope you got your guns, this is gonna get bad. Parents with children get quite unpredictable when they get kicked in the street.
 
2021-08-01 5:51:12 PM  

Barbecue Bob: 4seasons85!: My fun surprise this morning paying rent was discovering a charge to pay with debit card. We were just bought out by another company less than five days ago. My previous company either charged us $5 to use the card or nothing if signed up for automatically withdrawal. The new company didn't mention any changes to the rent system. Today to pay my rent, with no other option to pay by check, I had to pay an additional $50 to use the online services. So basically it's going to cost me an additional $50 dollars every month to pay rent. The level of greed with rent and houses right now is insane.

Pay the fifty in loose pennies.


external-preview.redd.itView Full Size
 
2021-08-01 6:03:08 PM  
So when can we get Ticked off Vic on the ballot? Makes more sense than 98% of politicians.
Fark user imageView Full Size
 
2021-08-01 6:31:16 PM  
My 20 year old son signed the paperwork to buy his first house in Hampton Roads on Friday. All the doom, gloom and sky-is-falling talk just doesn't have to be true. Best of luck to you all.
 
2021-08-01 7:06:56 PM  
It's not a bug.
 
2021-08-01 7:30:48 PM  

4seasons85!: I've never had to set up with my bank, the company would just take it from my account so long as they had my account and routing number. There is no option here for that.


Any bank nowadays will issue a check, through a third party, on a schedule if the payee isn't a customer of the payor's bank/credit union.  Check out your bank's/credit union's bill auto-payment capabilities online.
 
2021-08-01 7:40:12 PM  

Abe Vigoda's Ghost: Ragin' Asian: UBI would be a nice first step to partially allay hardship.

I'm thinking UFIA is probably more likely.


Utah Food Industry Association?
 
2021-08-01 7:41:36 PM  

dbaggins: you know, I've heard this for fifteen years now, and yet I don't see these people getting kicked to the curb and receiving their moral comeuppance for living wildly beyond their means.  I worked to pay off my debts while they get new cars and play on jet skis on the lake.   When does this reckoning actually happen?   Do they get bailouts or something?


I know some people like this.  They go through boom and bust cycles.  It's an absolutely insane way to live. Though they regularly fall hard, they never quite hit bottom. They seem to get back on their feet.  They variously have their kids living with them or they'll be living with their kids, depending on who has fallen on harder times.  It's like a wildly irresponsible social safety net.  Honestly, I don't know how they live that way or what they did before they had adult children.

Though if you want that jet ski, just be around near the start of a bust.  You'll be able to grab it for a song.
 
2021-08-01 7:43:32 PM  

bluejeansonfire: 17 million.

There are 17 MILLION people in rented homes that might be homeless as soon as tomorrow.

Does anybody truly grasp how many people that is??

And Congress and Biden just..... let it happen. Cori Bush and progressives slept on the Capitol steps over the weekend to try to get people to care. And Democrats decided to use a unanimous decision vote instead of a simple majority vote to address it?? Goddammit.

And don't give me any bullsh*t about the "rules" or how it "has to be through Congress" or some bullsh*t, when Trump showed us that breaking all the rules and doing whatever you want gets you whatever you want.

When 17 million people are about to be homeless, starving, and dying (DURING A PANDEMIC), and you say that you can't help them because of the "rules," you are a monster. Full stop. You care more about being patted on the head for being a good and obedient soldier for following the rules than you do about people being robbed by the already-rich.

F*ck this country. F*ck anyone and everyone who was in a position of power to help but decided not to.


5% of the people in this country are not getting kicked out of their homes tomorrow.
 
2021-08-01 7:49:06 PM  

auntedrie: Peki: We're going to have an unhoused crisis the likes of which this country has never seen.

No, The County of Los Angeles just made being homeless illegal.


Throw them in jail, then

Problem solved
 
2021-08-01 8:10:44 PM  

4seasons85!: Fara Clark: 4seasons85!: thealgorerhythm: 4seasons85!: My fun surprise this morning paying rent was discovering a charge to pay with debit card. We were just bought out by another company less than five days ago. My previous company either charged us $5 to use the card or nothing if signed up for automatically withdrawal. The new company didn't mention any changes to the rent system. Today to pay my rent, with no other option to pay by check, I had to pay an additional $50 to use the online services. So basically it's going to cost me an additional $50 dollars every month to pay rent. The level of greed with rent and houses right now is insane.

Are you capable of paying your rent with money? Serious question, because my suggestion sounds dickish if you can't.

I just have a recurring electronic payment sent from my bank on a monthly basis 10 days before it's due. It's a free service of my bank because it's cheaper to them than processing checks.

I can do this because I have a reliable paycheck and the price doesn't change. YMMV.

Yes I am fortunate that I can afford to pay every month.  My account previously had automatic withdrawal set up through the apartment portal. There was no charge. So it went directly through my bank account.  This new system requires a card (which is possible they aren't fully set up yet since it's a new system) and there's no option to pay direct from my bank account.  I looked into the automatic payment setup and it uses the card and therefore also has a fee. I've never had to set up with my bank, the company would just take it from my account so long as they had my account and routing number. There is no option here for that.

If I remember correctly, when you use a CC, the merchant pays the processing fees. When you use a debt card, your bank (you) pay the transaction fee. But neither of those fees are $50, even when they are a % of the transaction they generally capped at a max amount.

Yeah it's a 3.5%(?) processing fee which with my dumb high rent equals a little over $50.


Is it the landlord or the company that the landlord is contracting payment handling to?

Lots of rental companies have switched to payment handling companies that charge the renter a fee to process the payment.
 
2021-08-01 8:13:45 PM  
I've been keeping up on my mortgage, am I to worry?

might need to re-negotiate after the crash though, missed my chance in 2010
 
2021-08-01 8:18:15 PM  

Ragin' Asian: UBI would be a nice first step to partially allay hardship.


Look at the inflation we have now with just the covid money. UBI will cause massive inflationary pressure.
 
2021-08-01 8:38:09 PM  

bobbyjoebobby: Ragin' Asian: UBI would be a nice first step to partially allay hardship.

Look at the inflation we have now with just the covid money. UBI will cause massive inflationary pressure.


Inflation now has nothing to do with covid money
 
2021-08-01 8:42:10 PM  

Conservative Evangelical Millennial Cyclist: WalkingSedgwick: Nice government you've got there when legislators going on vacation to enjoy their donors' money is more important than doing anything about this.

Kenny Powers agrees
[Fark user image image 425x425]


I am amazed at the ability of this man to repulse me as much as he does. Like an empathy void, you can' t think of a single nice thing to say even if it's by accident, like his wardrobe. Even his clothes look like they don't want to be on him, theyre so repulsed.
 
2021-08-01 8:42:48 PM  

lolmao500: Frizbone: HaHa! My house has been PAID OFF for 14 years now...and its resale value really took off!! I never lost work through the plandemic either...in fact, I got 20% bonus "covid" pay. My 401K took off and Im in Fat City now. Also no credit card debt either. Im sitting pretty now. Financially, Im doing very good. Going to retire in a little more than 4 years. Feel really, really bad for you saps hurt by the Commie Cold...but I like being able to sit on ny front porch of my paid for house, drink beer, fart and think about all those saps all depressed wondering how they will survive. It really sucks to be them....or you if youre affected by it.

Good for you boomer


Well...THANK YOU! and yes...Im a Boomer
/Also owned a mint condition 1959 Chevy Impala convertible that I only paid $1800 cash for...no payments
// Paid $78,000 for my house...now valued over $500,000
///Got grandfathered into electrician and plumbers licenses without having to sit in classrooms and take tests.
///Get to retire with a FULL, grandfathered pension and my 401k...will be set for life making more (125% more)  in retirement than working. Feel really bad for those young millennials hired after 2001 that got shut off from the goodies I get.
 
2021-08-01 8:43:21 PM  

Avigdore: My 20 year old son signed the paperwork to buy his first house in Hampton Roads on Friday.


Privilege-like typing detected.  Most 20-year olds haven't even graduated college or trade school, so there's no way they could have enough money[0] to buy real estate unless their parents are rich and essentially bought the real estate for them.  Furrfu, when I bought this condo right before the 2008 real estate crash, my parents gave me $2000 to put towards the down payment, and I thought I was lucky to get that.

$DIETY willing, I will be able to pay off the mortgage on this condo in the next 30 days.  I do not think most people are able to do that, and I'm probably luckier than average in some ways.  (I think it's like when I was starting this life, I got a dialog box that said, "Your love life will be difficult and annoying.  Your finances will be better than average.  Accept?  (Y/N)" and I said Y.)

[0] There are a few under-20 people who earn lots of money by acting, having popular youtube videos, or singing.  This is not a common or normal thing.
 
2021-08-01 8:48:20 PM  

Leader O'Cola: bobbyjoebobby: Ragin' Asian: UBI would be a nice first step to partially allay hardship.

Look at the inflation we have now with just the covid money. UBI will cause massive inflationary pressure.

Inflation now has nothing to do with covid money


When you pump eleventeen trillion new never before existed dollars into the economy, every dollar ends up being worth less. That's how it works.
 
2021-08-01 8:49:13 PM  

Leader O'Cola: bobbyjoebobby: Ragin' Asian: UBI would be a nice first step to partially allay hardship.

Look at the inflation we have now with just the covid money. UBI will cause massive inflationary pressure.

Inflation now has nothing to do with covid money


https://www.longtermtrends.net/m2-mon​e​y-supply-vs-inflation/
 
2021-08-01 8:50:51 PM  

Eightballjacket: bluejeansonfire: 17 million.

There are 17 MILLION people in rented homes that might be homeless as soon as tomorrow.

Does anybody truly grasp how many people that is??

And Congress and Biden just..... let it happen. Cori Bush and progressives slept on the Capitol steps over the weekend to try to get people to care. And Democrats decided to use a unanimous decision vote instead of a simple majority vote to address it?? Goddammit.

And don't give me any bullsh*t about the "rules" or how it "has to be through Congress" or some bullsh*t, when Trump showed us that breaking all the rules and doing whatever you want gets you whatever you want.

When 17 million people are about to be homeless, starving, and dying (DURING A PANDEMIC), and you say that you can't help them because of the "rules," you are a monster. Full stop. You care more about being patted on the head for being a good and obedient soldier for following the rules than you do about people being robbed by the already-rich.

F*ck this country. F*ck anyone and everyone who was in a position of power to help but decided not to.

5% of the people in this country are not getting kicked out of their homes tomorrow.


Me being one of them. Own my house free and clear. No mortgage for me anymore!! Just taxes, insurance and utilities...which I can manage no problem.
 
2021-08-01 8:51:41 PM  
For the persons truly in grave situations financially I feel really bad and if I had the cash Id help them out myself. Those like the deadbeat in my rental house that chose not to work so they could draw on the state and federal unemployment and blew their stimulus checks on trips to the beach nattie lite and menthols.....Well I hope you find a warm box somewhere. These people made more than double their usual wages with all the checks they were getting but used the moratorium to get a free ride. Dont take in nearly a grand a week in money while you sit on your ass and buy a new ATV and a nice fishing boat but refuse to pay rent because "sucks to be you they said I dont have to pay". These people were always able to pay and on time on less than half the money they were getting during during all the welfare rolled out to them during pandemic. And they were shocked I wanted them out..... If the ones with a mortgage that did this too and lose their homes. Well to repeat what I was told "well sucks to be you" I was making mortgage payments on my rental home. Where was the check for me? I didnt get one. Ive always been a sucker for a sad story and let people slide so many times before it isnt even funny. But these people. I looked forward to it.

Dont pay your bills when you are capable because of some bullshiat moratorium  and youll get ZERO sympathy from me. Dont pay your bills because you were truly put in a bad way because of all this craziness and not only do I sympathize with you but I have tried to help those I know when I could.
 
2021-08-01 8:52:57 PM  

4seasons85!: farkmedown: 4seasons85!: My fun surprise this morning paying rent was discovering a charge to pay with debit card. We were just bought out by another company less than five days ago. My previous company either charged us $5 to use the card or nothing if signed up for automatically withdrawal. The new company didn't mention any changes to the rent system. Today to pay my rent, with no other option to pay by check, I had to pay an additional $50 to use the online services. So basically it's going to cost me an additional $50 dollars every month to pay rent. The level of greed with rent and houses right now is insane.

Back to paper checks?

There was no notice given about changes to rent payment. They didn't mention any fees. There was no option stated for using checks. So I wouldn't even know where to give it if I had a check. It was literally just a sudden thing. They got a chewing out via voicemail and I am talking to them first thing tomorrow.


There a way too many options to pay nowadays for any commercial entity to be so inflexible as to not only offer just one payment option but a costly one at that. And they wont take your calls on weekends? You should definitely be clear about your insatisfaction with them.
 
2021-08-01 8:56:17 PM  

Benjimin_Dover: Leader O'Cola: bobbyjoebobby: Ragin' Asian: UBI would be a nice first step to partially allay hardship.

Look at the inflation we have now with just the covid money. UBI will cause massive inflationary pressure.

Inflation now has nothing to do with covid money

When you pump eleventeen trillion new never before existed dollars into the economy, every dollar ends up being worth less. That's how it works.


I wanna see the work where most of this is going into hands of consumers and not into the pockets of the already wealthy.
 
2021-08-01 8:57:18 PM  

hervatski: I thought most people won't be hit by foreclosures due to the gov mandating that balances be added to the back end of the loan?


That's some 3 card monte shiat right there
 
2021-08-01 8:58:03 PM  

Peki: Benjimin_Dover: Leader O'Cola: bobbyjoebobby: Ragin' Asian: UBI would be a nice first step to partially allay hardship.

Look at the inflation we have now with just the covid money. UBI will cause massive inflationary pressure.

Inflation now has nothing to do with covid money

When you pump eleventeen trillion new never before existed dollars into the economy, every dollar ends up being worth less. That's how it works.

I wanna see the work where most of this is going into hands of consumers and not into the pockets of the already wealthy.


That's not how the banking system works. But to be fair, I suspect a lot of it is just circulating around wall street.
 
2021-08-01 9:00:30 PM  

valenumr: Peki: Benjimin_Dover: Leader O'Cola: bobbyjoebobby: Ragin' Asian: UBI would be a nice first step to partially allay hardship.

Look at the inflation we have now with just the covid money. UBI will cause massive inflationary pressure.

Inflation now has nothing to do with covid money

When you pump eleventeen trillion new never before existed dollars into the economy, every dollar ends up being worth less. That's how it works.

I wanna see the work where most of this is going into hands of consumers and not into the pockets of the already wealthy.

That's not how the banking system works. But to be fair, I suspect a lot of it is just circulating around wall street.


And supply and demand isn't actually how prices work, but who's keeping track...
 
2021-08-01 9:05:08 PM  

danceswithcrows: Avigdore: My 20 year old son signed the paperwork to buy his first house in Hampton Roads on Friday.

Privilege-like typing detected.  Most 20-year olds haven't even graduated college or trade school, so there's no way they could have enough money[0] to buy real estate unless their parents are rich and essentially bought the real estate for them.  Furrfu, when I bought this condo right before the 2008 real estate crash, my parents gave me $2000 to put towards the down payment, and I thought I was lucky to get that.

$DIETY willing, I will be able to pay off the mortgage on this condo in the next 30 days.  I do not think most people are able to do that, and I'm probably luckier than average in some ways.  (I think it's like when I was starting this life, I got a dialog box that said, "Your love life will be difficult and annoying.  Your finances will be better than average.  Accept?  (Y/N)" and I said Y.)

[0] There are a few under-20 people who earn lots of money by acting, having popular youtube videos, or singing.  This is not a common or normal thing.


My son started working in the trades right after high school. No college debt...makes over 6 figures a year, single, no broad, no crotchfruits. everything paid for and 80 Grand just chillin in the bank, which is growing, along with stock investments. At age 26, he's just waiting for the Big Crash to inevitibly happen, then he will buy good real estate at forclosure prices. Hes got excellent wheeler/ dealer/ people negotiator skills so he's no dummy. One thing I was after him on...and that was in the beginning he would fall behind on cashing his paychecks because he just didnt need that money at the time...but he deposits them on time now. Hes quite the worker and hustler.
 
2021-08-01 9:06:31 PM  

valenumr: Leader O'Cola: bobbyjoebobby: Ragin' Asian: UBI would be a nice first step to partially allay hardship.

Look at the inflation we have now with just the covid money. UBI will cause massive inflationary pressure.

Inflation now has nothing to do with covid money

https://www.longtermtrends.net/m2-mone​y-supply-vs-inflation/


Is that supposed to disprove my comment somehow?
 
2021-08-01 9:10:05 PM  

Giantilio: hervatski: I thought most people won't be hit by foreclosures due to the gov mandating that balances be added to the back end of the loan?

We had to do the forbearance. My wife and I were hit hard (workwise) from the pandemic. We are in a much better place now and will be back sending out the mortgage payment each month. Of course... my wife received a nice phonecall Friday by the company declaring "an attempt to collect a debt" in the full amount of what we didn't pay during that time. Needless to say, she handed the phone to me before the panic attack kicked in. Turns out that our "situation" has to be "reviewed" before our options (if any, besides pay up) are made available. We have an FHA mortgage. Always paid on time for the previous 10 years we've been in the house, never missed a payment, or been in forbearance before. We were told repeatedly that the missing payments would be put into a 0 interest loan payable at the end of the mortgage. Hoping for the best here. Don't need this worry.


I really hope it works out. Those are extremely unpleasant calls to get.
 
2021-08-01 9:15:34 PM  

Peki: WalkingSedgwick: Peki: Good luck getting renters once this is all over. As it is no one in Los Angeles will rent to some one who can't prove three months income. We're going to have an unhoused crisis the likes of which this country has never seen. And that includes kids. :/

California's homelessness crisis is entirely made in California. It's not mental illness or addiction, it's the deliberate under-construction of housing units in order to gift existing property owners with ever rising property values.

Yup. I'm aware. I've been looking for housing since December but can't find a place because a) I didn't work during the pandemic so I can't provide three month's of paycheck stubs and b) becoming unhoused made me lose track of all my documents (case worker wants my social security card, presumably to prevent accusations that "illegal immigrants" are getting services).

This state, for all that it's billed as progressive, is mean AF to its underclass. The other fun one was trying to get support for domestic violence, only to be told I don't qualify because the assaulter was my uncle instead of an intimate partner.


It breaks my heart to read something like this. I hope things get better for you.
 
2021-08-01 9:24:00 PM  

Leader O'Cola: valenumr: Leader O'Cola: bobbyjoebobby: Ragin' Asian: UBI would be a nice first step to partially allay hardship.

Look at the inflation we have now with just the covid money. UBI will cause massive inflationary pressure.

Inflation now has nothing to do with covid money

https://www.longtermtrends.net/m2-mone​y-supply-vs-inflation/

Is that supposed to disprove my comment somehow?


Yes.
 
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