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CoronitaParticipantA Chinese Pandemic Flu is all so predictable every 50+ years lol
Trump and Biden both saying stock buyback prohibited from 2020 Chinese Flu relief effort. Good.
Time to go out to get a cup of coffee and enjoy the sun that just came out in San Diego. Beautiful Day.
CoronitaParticipantWell Las Vegas moved to a drive thru stripper peep show. lol
CoronitaParticipantApparently gamestop thinks they are mission critical retailer too. Lol
I guess people NEED to have video games.
CoronitaParticipant[quote=svelte]I’m not sure what to think. A bit of overreaction is better than underreaction, but have we went waaay over?
I just don’t know. Luckily I don’t have to decide because I’m not calling the shots. I’m jezz doing as I’m told, as usual.
I just wish it was a little warmer when all of this happened so I could spend more of this time in the back yard chillin by the BBQ.[/quote]
there is probably lots of projects you can think of.
I’m trying to restore one of my cars and was going to start to primer and paint and realize I probably shouldn’t because after I’m done I probably have to change the respirator filters and I don’t think I can find replacement cartridges tight now. But there’s plenty of other things on the list of things to do.
I ordered a quickjack from Costco . unfortunately my garage ceiling is still too low to put in a real lift.
https://www.costco.com/quickjack-5%2C000-lb-capacity-portable-car-lift-.product.100460313.html
CoronitaParticipantThere’s no shortage of toilet paper. You can order online from Costco and have it delivered for just a few bucks extra via instacart.
The major shortages are still.
Disinfectant wipes, sprays, and rubbing alcohol that people stockpiled and use as a disinfectant spray.There is also a slight shortage of some laptops and computer monitors now that more people have to work from home and learn from home, especially on the lower end.
Ironically, the computer industry and computer gaming industry might end up doing ok because of this because this virus might have triggered an earlier upgrade cycle than originally people predicted. And not everyone can afford a MacBook air or pro. if you have a few kids, and all of them are at home, you probably need more than one pc or Chromebook.
CoronitaParticipantI just bought groceriesonline from Costco, and they use instacart to deliver. Costco doesn’t charge that much more, and includes a tip for the instacart driver.
She was a very nice lady, totally OCD wearing glove and masks and starts out saying, don’t worry I already wiped everything down with a disinfectant wipe.
Turns out she’s thankful for being able to find this job. She was in her mid-40ies and was already having a tough time finding a job at restaurants/shops, and now that they are closed, she found this and has a steady paycheck. She delivered everything at 9pm as promised.
I think the economy has changed drastically, some old jobs will be replaced by new jobs. A lot of personal errand runners, etc. Helps to have a car. Won’t work with public transportation.
CoronitaParticipant[img_assist|nid=26999|title=tp|desc=|link=node|align=left|width=551|height=480]
CoronitaParticipant[quote=23109VC]when you say “no costs”… literally they just refi’d the loan with no costs? there has to be some kind of fees you’re paying?
I have just started calling around and shopping rates for a refi, and I had expected that I would have to pay something to do a refi.
when you say “no costs” do you mean no out of pocket or you mean you literally aren’t incurring any additional fees even rolled into the loan?
thanks.[/quote]
If you get a loan with a slightly higher rate, often not only is is no fee no cost, they might even give you a rebate up front. Even then, it still might make sense because so long as your new loan is still a lower rate than the old , you still might pay less overall total interest over the new loan term or be able to pay it off sooner if you still make your current loan’s payment on the new loan. AN is a serial refinancer that did this a couple of times. Picking new cost/fee loan would make sense if you anticipate refinancing again in the future or paying your loan off sooner.
CoronitaParticipant[quote=23109VC]where do you guys think rates will go? I am going to refi – I missed the massive low price a couple weeks back.. rates now are still low and much lower than what I have now, but I’m wondering if rates will back down.
I read online that the fed will start buying MBS’s… and while I don’t really fully get why that will impact rates, I’m reading that rates will go back down because of it.
what do you all think? I can refi now or I can wait afew weeks. I”m not in a rush but want to do it.
i’m currently in a 30 year fixed at 5.25. I was told I can refi now at 3.75 for another 30 or 3.25 for a 15.
my mortage balance is about $260k, on a house worth about $500.
if I take cash out the rates go up substantially.
thanks[/quote]
Do you need the cash? I think in times like these Im glad I have no mortgage on my primary , forget about everything else.
Maybe the goal on the primary could be to lower your payments rather than to take cash out. Reducing risk, and increasing cash on hand from what you currently normally make.
CoronitaParticipantFrom right now, it seems like most of the moratoriums are focused on ensuring landlords cannot evict tenants out of the house during the coronavirus for non-payment of rent. It doesn’t mean that ultimately the tenant can get out of the rent.
Normally, I would say this sucks. But we don’t live in normal times.
I think the prudent thing to do would be to talk to the landlord and ask.In the case of people simply can’t pay the rent because they don’t have a paycheck, hopefully in most locations that’s just temporary for 1-3 months, so maybe the landlord will be willing to work out a more deferred payment schedule with no penalty.
Meanwhile, I think there will probably be a moratorium of mortgage payments and possibly property taxes too. We shall see.
But it’s definitely going to hit some landlords in the short term
More Nevada courts have halted eviction proceedings due to virus
CoronitaParticipantTime to whip out your Arduino boards, enginerds…
BYOV
Build your own ventilator
CoronitaParticipantI don’t know , but I’d say property that people are using for an Airbnb/vrbo is pretty much screwed in the short term.
Basically, this virus is most likely going to last until July/August. That is most of this summer. San Diego is about to announce a stay-at-home order like SF. People aren’t going to come here to vacation. This summer will be a write-off. And it could last longer because psychologically people are already thinking about a second wave of the virus.
Some of the homes were bought by companies an individuals or companies to try to run a hotel out of a home specifically built for residential usage and were counting on high hotel like room price to pay for an otherwise high mortgage for an expensive home that probably can’t pencil out normally as a residential rental. Can’t say I feel sorry for them. In some neighborhoods, they were a source of a lot of problems.
CoronitaParticipant[quote=sdduuuude]Does anyone have any sense of whether or not real-estate deals have been entering escrow this week ?
I spoke with a couple of general contractors and they are continuing to work.
Construction is not shut down in SF.[/quote]
Someone I know closed a sales but that was already pending. Redfin sent out a letter saying no open houses, by appt only and only small groups.
What Hobbie posted was also interesting. I wonder how many UCSD, SDSU, USD students are going to walk away from their leases.
CoronitaParticipant[quote=TheBrianNarrative][quote=zk][quote=TheBrianNarrative]
Read the first two words of his response and kindly put your angry political rants aside.[/quote]
You’re not just a troll, flu, you’re a troll with poor reading skills.[/quote]
Ok angry old white dude[/quote]
Ok guys, I’m out of this pissing match between you two. Have a nice day.
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