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CoronitaParticipantwhat if they relax lending standards and lower rates further?
CoronitaParticipant[quote=evolusd]Sometimes I wonder if I’m too conservative. Save for retirement, keep liquidity for shocks like these, live within my means, etc.
My old neighbor told me they’re putting in a pool because they got a mortgage forbearance and the wife is actually making more on unemployment than she did working. All this after they drained their retirement to buy the home and were on a payment plan with the IRS for the big tax hit they weren’t expecting.
A POOL![/quote]
Hey, I’m making more for being furlowed 1 day than if I work that day. But I’m generally being responsible. They’ll get what’s coming to them.
Look at it this way. Instead of putting money towards a pool, if you stuck it into the markets during the downturn, you will be coming out well ahead.
CoronitaParticipantCoronitaParticipantInteresting
“U.S. New-Home Sales Post Surprise Gain in Sign of Stability”
CoronitaParticipantWell that was unexpected. I got a $500 check from my dependent care flexible spending administrator. I forgot to submit my receipts before the January 2020 deadline so I thought I forfeited $500 with of dependent care reimbursements, especially since I got a denial letter after arguing with them a few times….
Well, the administrator ended up cutting me a check 4 months later. Apparently, due to being furlowed 1 day, it automatically triggered some weird benefit clause in our plan that says effectively removed any sort of submission deadline for those that had their employment terms modified in any sort of way, even temporary. Not sure why there would be an extended deadline for people that had their employee terms temporarily affected versus others that have not, but I don’t care. I get $500 that I thought I had forfeited. On a roll!
[img_assist|nid=27103|title=weird|desc=|link=node|align=left|width=400|height=300]
CoronitaParticipantOh btw. On Android, if you have an app that asks for bluetooth permissions and you accepted. That app has the ability to turn on your bluetooth even if you have it off. And the app doesn’t even need to let you know about it. Only recently, in recent Android OS does the OS start to restrict background services to run without you knowing
CoronitaParticipantCoronitaParticipanthahaha…. You guys are royally fucked in terms of privacy….
because I worked on all the geolocation shit, some of which was donated to Google, and other sold to third party companies…It’s not bluetooth, it’s not gps, it’s not wifi, it’s not your cellular data that will pinpoint your location. It’s ALL OF THE ABOVE working together. Bluetooth is crappy for trying to pinpoint someone location with accuracy unless there’s a lot of beacons deployed in given venue. It’s only good at short range and requires a lot of beacons. Otherwise you can’t tell if someone is entering a store or exiting a store or entering the store on the first floor or second floor or third floor.
A major computer company spelled with 4 letters, two being the same, pathetically tried to use Bluetooth as a way to turn on a monitor when you entered your room. Couldn’t figure out when someone entered the room or entered the room right downstairs….lol…
Trying to triangulate over wifi gives you a coarser grain location but lacks the granularity of a Bluetooth beacon mesh. But it’s less intrusive because you don’t need to deploy so many goddamn beacons. GPS works until you get inside a building, then either the signal drops or even if you could get signal it’s hard to resolve which floor you are on. Bouncing your phone off of cell phone towers is another option that is course grain. The problem is each of these paths all have their advantages and disadvantages and using just one thing all the time won’t really help you…..
That’s where all this software comes in that uses all of these techs and glue things together where you are. The course grain the data someone wants, the less expensive the software and service is. The finer grain, the more money it’s going to cost you.
There’s public attempts at doing this. These public apis on the phone called “nearby” apis are pathetic and crude attempts to do this. Some of us private companies can do much better, we just don’t like to discuss how so we can make more money selling to other people.
Ever wonder how after visiting a physical store, you suddenly start getting coupon deals for stores similar to the one you visited? Its because we are watching you at some of the malls, or shall I say, watching your phones…
We can nail you down not only to which store you entered, but with the help of nfc, even which items you picked up while in the store.
Google is already using a shitload of people’s cellphone in a car to augment the real time traffic info for Google Maps.
The one thing that will prevent companies from doing this? Not tech limitations….. Hippa…unless that gets torpeadoed.
Why do you think people at my company are being called back to work? Because while getting a mall to pay for this technology to serve targeted coupons is “cute”…There’s a much more compulsory use of this technology….mandated by the government …..
CoronitaParticipant[quote=svelte][quote=Coronita]
Side note. I don’t know why CA calls this program “worksharing” because one isn’t really working. A more accurate name might have been “free loading sharing” , but I guess “work sharing” sounds better.
[/quote]The theory is that, instead of having a company layoff, say, 1 person out of 10 they keep all 10 employed 32 hours instead of 40. The company still keeps everyone on the payroll and the state still pays unemployment, but this encourages companies to eventually get to a point where all 10 are back to full time. If someone gets laid off entirely, there is less chance the company will ever bring them back.
So in essence, the work is shared during the downturn instead of having one person out of work completely.
I think it’s a smart program. Face it, the state was going to pay unemployment one way or the other. Might as well do it in a manner than nudges the company into keeping everyone – with a return to full time likely.[/quote]
I totally agree this program is awesome. Just the name sounds funny.
CoronitaParticipantHappy Friday everyone. So this morning marks my second paid furlow day. Still no one wants to hire me on Fridays. Tried again, but no response. Shucks.
Interesting fun fact. If you apply for CA worksharing, you cannot file online. Work sharing UI benefits can only be snail mailed into the special office in Rancho Cordova. So if you plan on filing worksharing UI benefits, make sure you send it to the correct place. Also, it helps to write a brief cover letter stating how much you are owed in total, and a list of weekly payout amounts. Normally, you wouldn’t need to do this, but the UI offices are getting slammed with applicants so please try to help out the people processing your claims by clearly describing total and each weekly owed amount so they have an easier time. After all, chances are, your UI weekly benefits you are collecting are more than the weekly pay of people working to process your claim. Wait, that sounded backassward. Because it is. So don’t complain how slow it might take.
Side note. I don’t know why CA calls this program “worksharing” because one isn’t really working. A more accurate name might have been “free loading sharing” , but I guess “work sharing” sounds better. Thank God this isn’t a red state, otherwise the state might require me to go pick strawberries in some farm field during my furlow day.
Next week will be interesting. Instead of a 4 day work week, it will be a 3 day work week. My company has Monday off for Memorial Day as a holiday. And according to the rules of worksharing , the employer can not alter the benefits of the employees that have been furlowed under worksharing. So, they cannot take back Monday as a paid holiday. Furthermore, since in order to qualify for worksharing , employees still need to show reduced hours, this means that one furlow day other than the holiday still has to be taken. So next week is 3 day work week for us. Too bad everything is locked down, because it would have been a 5 day long weekend starting today. This also sounds backassward. Oh well.
According to my quick calculations, worksharing UI combined benefits will produce an additional $325 in income per week above my normal weekly salary, or approximately an extra $1300 each month. I increased my automatic investment into my after-tax vanguard account in the most aggressive growth index fund I could find because I figure that would maximize my future gains while the chances of it going to $0 is very low (even theoretically if the index fund went to $0, it would be no different than not having the extra UI income windfall). So, might as well put the unexpected UI income windfall to work on the most aggressive thing. Who knows, if I play my cards right, it might grow into a down payment for another rental, lol.
Too bad these benefits won’t last past July. Or maybe they get extended. Who knows. Ideally they get extended until the end of the year. That would be sweet because on Dec 1st I could return back to work full time and at the end of the month collect my guaranteed bonus and then if decided I want to retire, maybe instead of just quitting, I can request to go on paid family leave to take care of a child that is at home due to school closures. I think that paid family leave is about 70% of your previous pay and lasts about 6 weeks. After that, I think there is a longer term family leave plan at 60% pay for an additional year. I forget the details. Oh well, will cross that bridge if we are still or relocked down in December.
It’s about time for me to go on my morning run. Have a great weekend everyone!
CoronitaParticipantLooks like Hertz is getting really close to BK…. Those Z06 vettes might be going lower…
Edit… The Z06s are all sold….except 1 in vegas. And it’s an automatic.
You snooze, you lose.
CoronitaParticipant[quote=bpnbpn]ok, finally made the decision to pull the offer out. the market is too unpredictable at this point, so took a safer path.[/quote]
Best wishes for you….
CoronitaParticipantI think I make a terrible consumer because when I saw a $2500 exercise bike I was like “whoa”… that’s $500 more than I paid for the car I bought to learn how to drive stick and autocross in back in 2009/10….And that still could get you from point a to point b.
Maybe I’m just cheap. Functional car or Peloton exercise bike…..hmmm……
But what really gets me is the $40/month subscription fee that you need to pay along with exercise bike… That reminds me…Remember that I guy I was talking about above….Can’t afford rent … but can afford to finance Peloton bike…I’m serious…. I saw it.
Oh well, I guess I can’t relate to consumers here.
I go run about 2 miles each day, that’s about it.
Maybe that’s the idea. I should buy a bunch of used broken Miatas for $1000, and convert them into pedal powered cars like this!!! It still probably would be cheaper than a $2500 peloton bike.
That’s awesome ///
CoronitaParticipant[quote=scaredyclassic]contemplating one last refi.
current 3.375, 30 years, bal less than 200k
looking at about 2.7, 15 years, no cost.
maybe wait a little bit? i feel like it should be a little lower…
got a low rate from sofi.com, cheaper than aimloan and amerisave.
anyone have any internet lender they like nowadays?
planning hopefully to pay it off in 5-8 years, so not looking at a huge savings. but still, a few thousand[/quote]
2.75% on the 15 year was what I got a few years ago before I paid it off. I think maybe it can go lower.
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