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UCGal
Participant[quote=jpinpb]My take on unemployment is it should be temporary and as a requirement of receiving it, you must be attending some kind of job training/education. I would not be opposed w/government job assitance program. I firmly believe not feeding the hungry, but teaching them to fish.
Right now my cousin who worked since he was 15 years old at a factory (30 years of his life) has been unemployed for over a year, collecting unemployment and babysitting his kids while wife works (she always has, not just started since the factory closed). He has pretty much come out and said that as long as he gets unemployment, he doesn’t care about getting a job. He has had no education since high school. No motivation to learn a new skill.
I just don’t agree w/this.[/quote]
I don’t disagree with this. I would not object to some of the stim money being used, WPA style, to improve infrastructure… at least that way taxpayers get the benefits of works projects (roads/dams/etc.). Much of SDSU was built under the WPA.
Participant[quote=jpinpb]My take on unemployment is it should be temporary and as a requirement of receiving it, you must be attending some kind of job training/education. I would not be opposed w/government job assitance program. I firmly believe not feeding the hungry, but teaching them to fish.
Right now my cousin who worked since he was 15 years old at a factory (30 years of his life) has been unemployed for over a year, collecting unemployment and babysitting his kids while wife works (she always has, not just started since the factory closed). He has pretty much come out and said that as long as he gets unemployment, he doesn’t care about getting a job. He has had no education since high school. No motivation to learn a new skill.
I just don’t agree w/this.[/quote]
I don’t disagree with this. I would not object to some of the stim money being used, WPA style, to improve infrastructure… at least that way taxpayers get the benefits of works projects (roads/dams/etc.). Much of SDSU was built under the WPA.
Participant[quote=pabloesqobar]A friend of mine just received another extension – which will take her to 2 years of unemployment benefits. She loves it. They file the extensions automatically for her. Until the benefits come to an end, she has no reason to find a job. If they decided to block her extension of benefits, I don’t see how she could argue that she was being thrown under the bus.[/quote]
Your friend must have cheap living conditions. A good friend of mine was laid off last April. She has been ACTIVELY looking for work ever since… Not just limited to IT, but willing to do anything. Her unemployment covers her mortgage… barely. ($450/week doesn’t go far.) She’s single with a grown son with health issues. They’re using food banks, etc to get buy. Her 401k has been diminished. This is a woman who’s only debt was her mortgage (no CC debt, no car payments, no student loans.) Her mortgage was pretty reasonable. But she’s hurting.
And your friends experience with the EDD department is the opposite of the experience my husband had… If he had work for a week – he didn’t want to claim – so they’d kick him out of the system temporarily… till they could do a phone call a month later to ask why he didn’t claim that week – in the meantime he collected nothing…. Very frustrating. Nothing automatic.
Participant[quote=pabloesqobar]A friend of mine just received another extension – which will take her to 2 years of unemployment benefits. She loves it. They file the extensions automatically for her. Until the benefits come to an end, she has no reason to find a job. If they decided to block her extension of benefits, I don’t see how she could argue that she was being thrown under the bus.[/quote]
Your friend must have cheap living conditions. A good friend of mine was laid off last April. She has been ACTIVELY looking for work ever since… Not just limited to IT, but willing to do anything. Her unemployment covers her mortgage… barely. ($450/week doesn’t go far.) She’s single with a grown son with health issues. They’re using food banks, etc to get buy. Her 401k has been diminished. This is a woman who’s only debt was her mortgage (no CC debt, no car payments, no student loans.) Her mortgage was pretty reasonable. But she’s hurting.
And your friends experience with the EDD department is the opposite of the experience my husband had… If he had work for a week – he didn’t want to claim – so they’d kick him out of the system temporarily… till they could do a phone call a month later to ask why he didn’t claim that week – in the meantime he collected nothing…. Very frustrating. Nothing automatic.
Participant[quote=pabloesqobar]A friend of mine just received another extension – which will take her to 2 years of unemployment benefits. She loves it. They file the extensions automatically for her. Until the benefits come to an end, she has no reason to find a job. If they decided to block her extension of benefits, I don’t see how she could argue that she was being thrown under the bus.[/quote]
Your friend must have cheap living conditions. A good friend of mine was laid off last April. She has been ACTIVELY looking for work ever since… Not just limited to IT, but willing to do anything. Her unemployment covers her mortgage… barely. ($450/week doesn’t go far.) She’s single with a grown son with health issues. They’re using food banks, etc to get buy. Her 401k has been diminished. This is a woman who’s only debt was her mortgage (no CC debt, no car payments, no student loans.) Her mortgage was pretty reasonable. But she’s hurting.
And your friends experience with the EDD department is the opposite of the experience my husband had… If he had work for a week – he didn’t want to claim – so they’d kick him out of the system temporarily… till they could do a phone call a month later to ask why he didn’t claim that week – in the meantime he collected nothing…. Very frustrating. Nothing automatic.
Participant[quote=pabloesqobar]A friend of mine just received another extension – which will take her to 2 years of unemployment benefits. She loves it. They file the extensions automatically for her. Until the benefits come to an end, she has no reason to find a job. If they decided to block her extension of benefits, I don’t see how she could argue that she was being thrown under the bus.[/quote]
Your friend must have cheap living conditions. A good friend of mine was laid off last April. She has been ACTIVELY looking for work ever since… Not just limited to IT, but willing to do anything. Her unemployment covers her mortgage… barely. ($450/week doesn’t go far.) She’s single with a grown son with health issues. They’re using food banks, etc to get buy. Her 401k has been diminished. This is a woman who’s only debt was her mortgage (no CC debt, no car payments, no student loans.) Her mortgage was pretty reasonable. But she’s hurting.
And your friends experience with the EDD department is the opposite of the experience my husband had… If he had work for a week – he didn’t want to claim – so they’d kick him out of the system temporarily… till they could do a phone call a month later to ask why he didn’t claim that week – in the meantime he collected nothing…. Very frustrating. Nothing automatic.
Participant[quote=pabloesqobar]A friend of mine just received another extension – which will take her to 2 years of unemployment benefits. She loves it. They file the extensions automatically for her. Until the benefits come to an end, she has no reason to find a job. If they decided to block her extension of benefits, I don’t see how she could argue that she was being thrown under the bus.[/quote]
Your friend must have cheap living conditions. A good friend of mine was laid off last April. She has been ACTIVELY looking for work ever since… Not just limited to IT, but willing to do anything. Her unemployment covers her mortgage… barely. ($450/week doesn’t go far.) She’s single with a grown son with health issues. They’re using food banks, etc to get buy. Her 401k has been diminished. This is a woman who’s only debt was her mortgage (no CC debt, no car payments, no student loans.) Her mortgage was pretty reasonable. But she’s hurting.
And your friends experience with the EDD department is the opposite of the experience my husband had… If he had work for a week – he didn’t want to claim – so they’d kick him out of the system temporarily… till they could do a phone call a month later to ask why he didn’t claim that week – in the meantime he collected nothing…. Very frustrating. Nothing automatic.
ParticipantShopping rates is challenging… You need to shop rates and FEES. And some places charge origination fees that are different than points – points are tax deductable, the others aren’t… You need to get ACCURATE estimates of fees and rates.
I shopped around a lot when we refi’d last year – I ended up going with Sheldon (HLS here on piggington.) I liked the level of information he gave up front.
When I was shopping, SDCCU wasn’t even close. I bank with them – but their rates weren’t competitive.
ParticipantShopping rates is challenging… You need to shop rates and FEES. And some places charge origination fees that are different than points – points are tax deductable, the others aren’t… You need to get ACCURATE estimates of fees and rates.
I shopped around a lot when we refi’d last year – I ended up going with Sheldon (HLS here on piggington.) I liked the level of information he gave up front.
When I was shopping, SDCCU wasn’t even close. I bank with them – but their rates weren’t competitive.
ParticipantShopping rates is challenging… You need to shop rates and FEES. And some places charge origination fees that are different than points – points are tax deductable, the others aren’t… You need to get ACCURATE estimates of fees and rates.
I shopped around a lot when we refi’d last year – I ended up going with Sheldon (HLS here on piggington.) I liked the level of information he gave up front.
When I was shopping, SDCCU wasn’t even close. I bank with them – but their rates weren’t competitive.
ParticipantShopping rates is challenging… You need to shop rates and FEES. And some places charge origination fees that are different than points – points are tax deductable, the others aren’t… You need to get ACCURATE estimates of fees and rates.
I shopped around a lot when we refi’d last year – I ended up going with Sheldon (HLS here on piggington.) I liked the level of information he gave up front.
When I was shopping, SDCCU wasn’t even close. I bank with them – but their rates weren’t competitive.
ParticipantShopping rates is challenging… You need to shop rates and FEES. And some places charge origination fees that are different than points – points are tax deductable, the others aren’t… You need to get ACCURATE estimates of fees and rates.
I shopped around a lot when we refi’d last year – I ended up going with Sheldon (HLS here on piggington.) I liked the level of information he gave up front.
When I was shopping, SDCCU wasn’t even close. I bank with them – but their rates weren’t competitive.
ParticipantMy husband has a non-Californian fear of earth quakes. (I was born here – I take them as part of the landscape.)
He’s also an architect – so he went through and made the house itself more earth quake resistant…. It’s a 1960’s 2 story tract home. He added more bolts between the sill and foundation. He added a LOT more diagonal bracing… whenever he opens a wall for any reason, he reinforces it. He has taken the corners and replaced the drywall with plywood to add stiffening/sheer wall strength.
As far as generic preparedness – we always have an extra case of bottled water. (the one we’re using – and a full spare case.) We have the hand crank flashlights, we have data backed up and ready to grab. We have a lot of camping gear… The idea is that if we have to get out – for fire, earthquake, societal collapse – we’ve got the basics.
And I shop at Costco… so we always have bulk food. LOL.
ParticipantMy husband has a non-Californian fear of earth quakes. (I was born here – I take them as part of the landscape.)
He’s also an architect – so he went through and made the house itself more earth quake resistant…. It’s a 1960’s 2 story tract home. He added more bolts between the sill and foundation. He added a LOT more diagonal bracing… whenever he opens a wall for any reason, he reinforces it. He has taken the corners and replaced the drywall with plywood to add stiffening/sheer wall strength.
As far as generic preparedness – we always have an extra case of bottled water. (the one we’re using – and a full spare case.) We have the hand crank flashlights, we have data backed up and ready to grab. We have a lot of camping gear… The idea is that if we have to get out – for fire, earthquake, societal collapse – we’ve got the basics.
And I shop at Costco… so we always have bulk food. LOL.
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