REAL WORLD EVENT DISCUSSIONS

Money money money, who can we trust to figure it out?

POSTED BY: WISHIMAY
UPDATED: Friday, May 12, 2023 16:52
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Monday, March 30, 2020 8:39 PM

6IXSTRINGJACK


Quote:
Originally posted by SIGNYM:
Quote:
Originally posted by 6IXSTRINGJACK:
If the banks are eating it with the bailout money, sure...

But if landlords would have to chase that money for 2 or more months because their bills were coming due, that's not fair to them.
The largest expense is mortgage. If banks aren't collecting mortgage, the pressure is off them. Same with small businesses: the owner of the commercial real estate isn't paying mortgage, so the small businesses don't have to pay their lease. It's hard enough for a lot of them to get their tenants to pay on time in good times.


You still have 2 (4, 6?) months of depreciation and tenants putting wear and tear on everything. And now due to health reasons and/or overzealous politics and cops and/or panicky tenants that don't even want to let a landlord in you might not have the easiest time even getting in to check up that they're not literally destroying your place.

I'm not joking about what these people have already done to my friend's house. First thing he is going to do when he makes a lot of repairs and he can afford to do it is to boot them and find new tenants. It won't even be a problem because the city officials saw the state of the Hoarders TV Show level hoard they had in there before he was ordered to have the entire basement cleared out to get rid of the vermin. He just knows that while the house is in the current condition nobody else is going to rent it from him now and with a full time job and hardly any free time his time to work on the place is extremely limited. He's stuck in a position where keeping pigs like that in his place is a better alternative than getting stuck with the mortgage and property taxes that are through the roof than to kick them out and let the house sit vacant until who knows when he can find the time to fix everything and get it rentable to normal, sane people again.

You're making a case for ideal situations. Many situations aren't ideal.

Quote:
But, I suppose you could also reduce the state income taxes and take it out of the taxes for education if you're forcing the kids to stay at home from school too.
Not sure how it works in all states, but here schools are funded thru property taxes. If kids aren't going to school property taxes should be suspended


Well... that's what I said later in my reply. But in Illinois a large portion of property taxes also go to fund corruption and a mountain of debt that will never be paid off too.

That's fine to imagine this, but until the state agreed on an actual suspension that will not have to be paid back, you can't tell landlords that they can't collect the rent. Especially in the states where a majority of the monthly rent collected is going to pay those taxes off, such as Illinois.

Quote:
I can't wait to see how many people start (rightfully) losing their shit when they realize that while they're being forced to continue to work near-minimum wage jobs deemed "essential", their friends who were working near-minimum wage jobs that aren't get to sit at home and collect $600-$1,000 per week watching Netflix and jerking off.
They're going on strike, at least Amazon and Instacart workers are. MY prefered grocery store (Stater Bros) gave everyone a $2/hr raise last week.


I don't see what Amazon workers are trying to accomplish. They already make $15/hr at the lowest levels.

$2/hr is nice, but that hardly puts a dent in things in these parts where minimum wage workers make $7.25/hr. I worked a few years at KMart overnight for $8.25 and they hadn't given any raises out for 8 years before I started. The only reason I got what I was getting was a $1.00/hr premium on overnight work. The last job I worked felt like a massive upgrade when I was making $10.50/hr overnight.

I'm talking about all of these people having to continue to work for peanuts because the government deems their jobs essential, while their friends and family who work non-essential jobs get to sit back and collect state and new federal money which will equate to several dollars above $15/hr.



I don't know if I stated it in this thread or in another one, but I suspect this whole deal is going to end with a forced $15/hr minimum wage in the country going forward.

If prices don't go up because of it, great. But I think we're pretty sure they will, and besides that, we're probably going to have a $30 Trillion debt by the time this whole overreaction is over if it drags on longer than they're currently saying it will.

Buy a bunch of shit now, because milk is going to cost $8.00 a gallon in 2021.

Do Right, Be Right. :)

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Friday, April 3, 2020 11:33 PM

6IXSTRINGJACK


Well now...

They'd certainly better figure out this money situation before people start rioting.

The Governor of Indiana just announced today that the stay-at-home order which was set to expire on the 6th is now active until at least the 20th, and kids won't be going back to school until the first week of May (both subject to further extensions, of course).

Meanwhile, not only has nobody gotten any unemployment extensions or the additional $600 in benefits yet, but the system is so bogged down that the normal process of just filing for benefits and getting certified is jagged up and you can't even get anybody on the phone or to answer an email either. They say on the page not to contact them on anything related to the stimulus because they don't know any more than you do and it will happen when it happens. Despite this, they're still fielding 10 times their normal call volume on a reduced staff.

Also meanwhile, the Stimulus checks that the Legacy Media was saying weeks ago would be deposited into accounts on April 6th are not even going to start being processed until April 9th.


And from what I'm reading, the situation is actually better here in Indiana than a lot of other states. So far as I can tell, there hasn't ever been any system outages and you're always able to log into your account. States like Illinois and Kentucky among others have a system so bogged down and jacked up now that you can't even log into your account unless you try at 3:00AM.



Me wondering... how long do you think people are going to obey the stay-at-home orders when the money runs out and the rents are due?

Not very long, one would imagine.

Do Right, Be Right. :)

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Saturday, April 4, 2020 1:31 PM

6IXSTRINGJACK


ATTN: Anybody who is searching for any updates regarding the stimulus checks and/or unemployment benefits.

Make sure that you're looking at the website URLs before clicking it and never, ever enter personal information anywhere unless you're absolutely sure the site is secure and is who they say they are.


Google isn't helping matters with this now, so you need to be extra diligent.



A recent search on Google for indiana unemployment using the filter "last hour" put the following website up as the first search result:

www. glavmedmarket .ru\wuj\how-to-file-for-unemployment-in-indiana


Even though it should go without saying, I broke that up and didn't put the full link so nobody would click on it.


Seriously. Just be careful. A lot of scammers probably won't do you the courtesy of using a .RU web address.

Do Right, Be Right. :)

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Sunday, April 5, 2020 4:47 AM

SIGNYM

I believe in solving problems, not sharing them.


Quote:
SIX:If the banks are eating it with the bailout money, sure...
They're not, trust me. I ws just posting hwow I would construct a bailout: No money for banks. Reduce the level of debt by having the banks write down two months of loans. But of course, that would never happen.

Quote:
But if landlords would have to chase that money for 2 or more months because their bills were coming due, that's not fair to them....

You still have 2 (4, 6?) months of depreciation
Depreciation is an allwoance by the IRS to let you write down the value of your business assets over time. It's a BENEFIT to the owner, not a burden

Quote:
and tenants putting wear and tear on everything. And now due to health reasons and/or overzealous politics and cops and/or panicky tenants that don't even want to let a landlord in you might not have the easiest time even getting in to check up that they're not literally destroying your place.

I'm not joking about what these people have already done to my friend's house. First thing he is going to do when he makes a lot of repairs and he can afford to do it is to boot them and find new tenants. It won't even be a problem because the city officials saw the state of the Hoarders TV Show level hoard they had in there before he was ordered to have the entire basement cleared out to get rid of the vermin. He just knows that while the house is in the current condition nobody else is going to rent it from him now and with a full time job and hardly any free time his time to work on the place is extremely limited.
So, is his work deemed "essential" that he stil has to report to work every day?
Quote:
He's stuck in a position where keeping pigs like that in his place is a better alternative than getting stuck with the mortgage
In my ideal solution, "mortgage" would not be an issue for two months. The bank would forgive him that money
Quote:
and property taxes that are through the roof
In my ideal solution, property taxes would be forgiven for two months
Quote:
than to kick them out and let the house sit vacant until who knows when he can find the time to fix everything and get it rentable to normal, sane people again.

You're making a case for ideal situations. Many situations aren't ideal.
I'm making the case for an ideal ... or at least a better ... solution, which accommodates less-than-ideal situations. Apparently all of my suggestions have bounced off your head. C'mon, SIX, work with me on this. Or at least stop objecting to things that I not only DIDN'T propose, I specifically wrote it out of my plan.

Quote:
Well... that's what I said later in my reply. But in Illinois a large portion of property taxes also go to fund corruption and a mountain of debt that will never be paid off too.
Even more of a reason not to collect 2months of property taxes.

Quote:
That's fine to imagine this, but until the state agreed on an actual suspension that will not have to be paid back, you can't tell landlords that they can't collect the rent. Especially in the states where a majority of the monthly rent collected is going to pay those taxes off, such as Illinois.
A MAJORITY of rent collected goes to pay taxes??? I REALLY doubt that, SIX. If the average home price in Indiana is about $157,000 https://www.businessinsider.com/average-home-prices-in-every-state-was
hington-dc-2019-6?op=1 and the required down payment is 10% and the current mortgage rate in 3.5%, that comes out to a monthly payment of about $430. OTOH, the property tax rate is 0.85% http://www.tax-rates.org/taxtables/property-tax-by-state which comes out to about $110 per month. Somebody's math is off, and I don't think it's mine..

Quote:
I can't wait to see how many people start (rightfully) losing their shit when they realize that while they're being forced to continue to work near-minimum wage jobs deemed "essential", their friends who were working near-minimum wage jobs that aren't get to sit at home and collect $600-$1,000 per week watching Netflix and jerking off.
Aren't the essential workers ALSO getting stimulus money? Won't they be getting their paycheck AND a government freebie? In any case, I would still advocate for debt reduction, if only a two-month writedown by the banks.

Quote:
I don't see what Amazon workers are trying to accomplish. They already make $15/hr at the lowest levels.
Because they're not striking for higher pay, stupid. They want paid sick time and health benefits, so if they get sick they can be treated and won't go broke. Sheesh. I thought that was self-evident.

Quote:
$2/hr is nice, but that hardly puts a dent in things in these parts where minimum wage workers make $7.25/hr. I worked a few years at KMart overnight for $8.25 and they hadn't given any raises out for 8 years before I started. The only reason I got what I was getting was a $1.00/hr premium on overnight work. The last job I worked felt like a massive upgrade when I was making $10.50/hr overnight.
You DO realize that you pulled a SECOND, don't you? The first part of your post says $2/hr won't go far, the last part of your ost said that $2/hr felt like a massive upgrade. You contradicted yourself between on sentence and the next. I think you're just whining about everything, objecting to things that nobody posted because you're in a snit.

Quote:
I don't know if I stated it in this thread or in another one, but I suspect this whole deal is going to end with a forced $15/hr minimum wage in the country going forward. If prices don't go up because of it, great. But I think we're pretty sure they will, and besides that, we're probably going to have a $30 Trillion debt by the time this whole overreaction is over if it drags on longer than they're currently saying it will.

Buy a bunch of shit now, because milk is going to cost $8.00 a gallon in 2021.
Well, there's no point in throwing more bodies on the bonfire ...letting the old and sick "take it on the chin" just in order to keep the status quo going.

The system is broken. It's not worth the sacrifice of human lives just to flog it forward a few more years.

The only thing that would be worth a sacrifice of human lives would be a remake of the whole system, starting with drasically eliminating debt in the country. Since the only product of banks is debt (loans) that would require severely reducing the power and role of banks. THAT would be worth a sacrifice.

But since nobody wants to remake the system, may as well let it go along on its merry way, letting banks lend and lend and lend and lend ... it's already unpayable at all levels anyway. May as well let it run off a cliff.

The funny thing is, the solution doesn't require all of this sturm und drang (storm and drama). People could all get back to work much faster if everyone wore a mask in public. The spread of the virus wuld be blunted. If the WH task force had simply admitted Look, we fucked up. we don't have enough masks for everyone and we're trying to save it for our medical personnel, but EVERYONE should wear a mask ... even a cloth one or a homemade one, or at least a bandana while in public ... because MASKS WORK. We will try to make better masks available for everyone later then they wouldn't have muddled the message so badly by saying Masks don't work and then having to reverse course. The government ... and Trump ... bobbled the response. They wasted two months while trying to avoid the shit sandwhich that was in front of them, making the shit sandwhich eventually bigger, and misidrected everyone away from wearing a mask. It was all just so stupid.


Now we have a "simulus bill" written by Congress (That includes the Democratic House, SECONDRATE) that throws peanuts to the people but pallets of cash to the rich.

-----------
Pity would be no more,
If we did not MAKE men poor - William Blake

#STAYTHEFUCKHOME

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Sunday, April 5, 2020 7:15 AM

6IXSTRINGJACK


Quote:
Originally posted by SIGNYM:
Quote:
SIX:If the banks are eating it with the bailout money, sure...
They're not, trust me. I ws just posting hwow I would construct a bailout: No money for banks. Reduce the level of debt by having the banks write down two months of loans. But of course, that would never happen.


Yup. It would never happen.

Quote:
But if landlords would have to chase that money for 2 or more months because their bills were coming due, that's not fair to them....

You still have 2 (4, 6?) months of depreciation
Depreciation is an allwoance by the IRS to let you write down the value of your business assets over time. It's a BENEFIT to the owner, not a burden


Normal depreciation, maybe...

One could argue that he wasn't doing his job by not checking up on them, but they always paid his rent on time so he didn't bother them. It wasn't until some damage occurred outside of the house from negligence that neighbors reported to the police that they investigated and he got contacted after they were fined and given an order to remove literal tons of shit from the basement and to get the vermin out that took up residence.

Normal, healthy people would call the landlord and complain about leaky ceilings. They never did. Aside from all the damage they caused themselves from their massive hoarding habits, they allowed the ceilings in the home to be completely ruined from rainwater that was leaking in the house rather than call him to fix it and come into the house and see what they've done. When I've helped him fix things outside I refuse to even go in to use the bathroom. The whole house smells like a toilet.

These people are mentally unwell.

Quote:
and tenants putting wear and tear on everything. And now due to health reasons and/or overzealous politics and cops and/or panicky tenants that don't even want to let a landlord in you might not have the easiest time even getting in to check up that they're not literally destroying your place.

I'm not joking about what these people have already done to my friend's house. First thing he is going to do when he makes a lot of repairs and he can afford to do it is to boot them and find new tenants. It won't even be a problem because the city officials saw the state of the Hoarders TV Show level hoard they had in there before he was ordered to have the entire basement cleared out to get rid of the vermin. He just knows that while the house is in the current condition nobody else is going to rent it from him now and with a full time job and hardly any free time his time to work on the place is extremely limited.
So, is his work deemed "essential" that he stil has to report to work every day?


Yup. He's a banker. Not exactly sure what his title is or what he does. It sounds really boring.

Quote:
He's stuck in a position where keeping pigs like that in his place is a better alternative than getting stuck with the mortgage
In my ideal solution, "mortgage" would not be an issue for two months. The bank would forgive him that money
Quote:
and property taxes that are through the roof
In my ideal solution, property taxes would be forgiven for two months


Okay.

Quote:
than to kick them out and let the house sit vacant until who knows when he can find the time to fix everything and get it rentable to normal, sane people again.

You're making a case for ideal situations. Many situations aren't ideal.
I'm making the case for an ideal ... or at least a better ... solution, which accommodates less-than-ideal situations. Apparently all of my suggestions have bounced off your head. C'mon, SIX, work with me on this. Or at least stop objecting to things that I not only DIDN'T propose, I specifically wrote it out of my plan.


I get it. I'm just saying that they're not going to happen. Especially in Democrat shithole Illinois. You still can't even log in to file an unemployment claim.

Quote:
Well... that's what I said later in my reply. But in Illinois a large portion of property taxes also go to fund corruption and a mountain of debt that will never be paid off too.
Even more of a reason not to collect 2months of property taxes.


Sure.

Quote:
That's fine to imagine this, but until the state agreed on an actual suspension that will not have to be paid back, you can't tell landlords that they can't collect the rent. Especially in the states where a majority of the monthly rent collected is going to pay those taxes off, such as Illinois.
A MAJORITY of rent collected goes to pay taxes??? I REALLY doubt that, SIX. If the average home price in Indiana is about $157,000 https://www.businessinsider.com/average-home-prices-in-every-state-was
hington-dc-2019-6?op=1 and the required down payment is 10% and the current mortgage rate in 3.5%, that comes out to a monthly payment of about $430. OTOH, the property tax rate is 0.85% http://www.tax-rates.org/taxtables/property-tax-by-state which comes out to about $110 per month. Somebody's math is off, and I don't think it's mine..


I'm not talking about Indiana. I'm talking about Illinois.

My parents were paying over $8,000 per year property taxes on a house that isn't that much larger than mine is. That's compared to my $1,250 per year.

I don't know what his property taxes are, but the house is bigger than my parents house was. He did mention that he was collecting $1,400 a month for rent. That's $16,800 a year. It's a safe assumption that a majority of that is going to property taxes, especially since it's not his "home" and he's not getting any sort of homestead discount on the taxes and it's taxed at a higher rate for being a rental property.

I asked him why he doesn't just break the lease on his own home and move out there. He actually wants to but his fiancee doesn't want to move that far away from her job and friends and family. Personally, I think it's insane to own property to lease in Illinois given how unfriendly they are to anybody trying to run a business in that state.

Quote:
I can't wait to see how many people start (rightfully) losing their shit when they realize that while they're being forced to continue to work near-minimum wage jobs deemed "essential", their friends who were working near-minimum wage jobs that aren't get to sit at home and collect $600-$1,000 per week watching Netflix and jerking off.
Aren't the essential workers ALSO getting stimulus money? Won't they be getting their paycheck AND a government freebie? In any case, I would still advocate for debt reduction, if only a two-month writedown by the banks.


Are they? If you ask the internet, then no.

Lots of promises, but no money yet. Those stimulus checks are going START to be cut on the 9th... 3 days after they were initially promised. Now they're saying that because of the volume of physical checks they need to write for people who don't have direct deposit, some people won't be getting the $1,200 until September.

Millions of people still haven't been able to even create an account with unemployment to file an initial claim because the websites are overloaded and nobody can even reach a person on the phone to talk to.

Quote:
I don't see what Amazon workers are trying to accomplish. They already make $15/hr at the lowest levels.
Because they're not striking for higher pay, stupid. They want paid sick time and health benefits, so if they get sick they can be treated and won't go broke. Sheesh. I thought that was self-evident.


Whatever.

Quote:
$2/hr is nice, but that hardly puts a dent in things in these parts where minimum wage workers make $7.25/hr. I worked a few years at KMart overnight for $8.25 and they hadn't given any raises out for 8 years before I started. The only reason I got what I was getting was a $1.00/hr premium on overnight work. The last job I worked felt like a massive upgrade when I was making $10.50/hr overnight.
You DO realize that you pulled a SECOND, don't you? The first part of your post says $2/hr won't go far, the last part of your ost said that $2/hr felt like a massive upgrade. You contradicted yourself between on sentence and the next. I think you're just whining about everything, objecting to things that nobody posted because you're in a snit.


No. There's a huge difference.

$2/hr was a huge upgrade for me because the economy was generally doing well during that span and that $2/hr upgrade came at a time where I moved $2 higher than the minimum wage.

You're talking about a time now where we've just fucked the economy with $2.5 Trillion of extra money and we're likely to see it at least be $5 or $6 Trillion added to the debt in total before the "crisis" is over.

If the minimum wage is raised to $15/hr, that's the new bottom. Everybody is going to be paying more for goods next year just because of the flooding of money into the system already. Once we've got a massive raise to the minimum wage like this on top of it, you're going to be paying a hell of a lot more for necessities and it's not going to feel like that extra money is improving your life at all.

Quote:
I don't know if I stated it in this thread or in another one, but I suspect this whole deal is going to end with a forced $15/hr minimum wage in the country going forward. If prices don't go up because of it, great. But I think we're pretty sure they will, and besides that, we're probably going to have a $30 Trillion debt by the time this whole overreaction is over if it drags on longer than they're currently saying it will.

Buy a bunch of shit now, because milk is going to cost $8.00 a gallon in 2021.
Well, there's no point in throwing more bodies on the bonfire ...letting the old and sick "take it on the chin" just in order to keep the status quo going.

The system is broken. It's not worth the sacrifice of human lives just to flog it forward a few more years.

The only thing that would be worth a sacrifice of human lives would be a remake of the whole system, starting with drasically eliminating debt in the country. Since the only product of banks is debt (loans) that would require severely reducing the power and role of banks. THAT would be worth a sacrifice.

But since nobody wants to remake the system, may as well let it go along on its merry way, letting banks lend and lend and lend and lend ... it's already unpayable at all levels anyway. May as well let it run off a cliff.

The funny thing is, the solution doesn't require all of this sturm und drang (storm and drama). People could all get back to work much faster if everyone wore a mask in public. The spread of the virus wuld be blunted. If the WH task force had simply admitted Look, we fucked up. we don't have enough masks for everyone and we're trying to save it for our medical personnel, but EVERYONE should wear a mask ... even a cloth one or a homemade one, or at least a bandana while in public ... because MASKS WORK. We will try to make better masks available for everyone later then they wouldn't have muddled the message so badly by saying Masks don't work and then having to reverse course. The government ... and Trump ... bobbled the response. They wasted two months while trying to avoid the shit sandwhich that was in front of them, making the shit sandwhich eventually bigger, and misidrected everyone away from wearing a mask. It was all just so stupid.


Now we have a "simulus bill" written by Congress (That includes the Democratic House, SECONDRATE) that throws peanuts to the people but pallets of cash to the rich.

-----------
Pity would be no more,
If we did not MAKE men poor - William Blake

#STAYTHEFUCKHOME


Do Right, Be Right. :)

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Sunday, April 5, 2020 7:49 AM

SECOND

The Joss Whedon script for Serenity, where Wash lives, is Serenity-190pages.pdf at https://www.mediafire.com/two


Quote:
Originally posted by SIGNYM:

The funny thing is, the solution doesn't require all of this sturm und drang (storm and drama). People could all get back to work much faster if everyone wore a mask in public. The spread of the virus wuld be blunted. If the WH task force had simply admitted Look, we fucked up. we don't have enough masks for everyone and we're trying to save it for our medical personnel, but EVERYONE should wear a mask ... even a cloth one or a homemade one, or at least a bandana while in public ... because MASKS WORK. We will try to make better masks available for everyone later then they wouldn't have muddled the message so badly by saying Masks don't work and then having to reverse course. The government ... and Trump ... bobbled the response. They wasted two months while trying to avoid the shit sandwhich that was in front of them, making the shit sandwhich eventually bigger, and misidrected everyone away from wearing a mask. It was all just so stupid.


Now we have a "simulus bill" written by Congress (That includes the Democratic House, SECONDRATE) that throws peanuts to the people but pallets of cash to the rich.
Why would I NOT be delighted with pallets of cash?

Trump could make a public service announcement, instead of being Signym's "Loose Cannon"!

Using two rubber bands, Trump can make a DIY no sew face mask very quickly and easily. Stay safe and healthy everyone!


But Trump says he won't wear a face mask, despite Trump announcing new CDC guidelines that Americans wear one.



The Joss Whedon script for Serenity, where Wash lives, is Serenity-190pages.pdf at www.mediafire.com/folder/1uwh75oa407q8/Firefly

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Sunday, April 5, 2020 12:13 PM

SIGNYM

I believe in solving problems, not sharing them.


Quote:
SECONDRATE: Why would I NOT be delighted with pallets of cash?
And you can thank Nancy Pelosi while you're at it! (But I know you won't.)

-----------
Pity would be no more,
If we did not MAKE men poor - William Blake

#STAYTHEFUCKHOME

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Sunday, April 5, 2020 12:15 PM

6IXSTRINGJACK


lol

You won't catch me ever wearing a face mask unless I'm doing work that requires it.

Not like you can even buy one if you wanted to.

Do Right, Be Right. :)

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Sunday, April 5, 2020 12:31 PM

THG


T

Deep state describes dedicated, educated professionals.


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Sunday, April 5, 2020 12:32 PM

SIGNYM

I believe in solving problems, not sharing them.


SIX- re: howmuch people pay for a mortgage vesus how much they pay for real estate (RE) taxes in Illinois:

The typical home loan percentage rate is currently 3.5% on the loan
The current RE tax is 1.73%, or roughly half of the mortgage rate, on the assesed value

The only way that you would pay "the majority" of money in RE taxes is if the loan value was half, or less, of the assessed value. Or, if the house is fully paid off, and no loan exists. In other words, the owners would have had to have gotten a loan for their house when the sale price was half of the current assessed value. There are several ways this could happen: They bought their home a long time ago... OR, their home was paid off, and then they took out a home equity loan for something less than the full value of the house.

Anyway, your contention still doesn't make sense.

I see from the chart that RE tax rates in Illinois are the sixth-highest in the nation. New Jersey is higher. So, surprisingly, is Nebraska. I sure hope the farmers and ranchers there get some sort of "agricultural production" exemption because ... Nebraska???

-----------
Pity would be no more,
If we did not MAKE men poor - William Blake

#STAYTHEFUCKHOME

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Sunday, April 5, 2020 12:34 PM

THG


Quote:
Originally posted by SIGNYM:
Quote:
SECONDRATE: Why would I NOT be delighted with pallets of cash?
And you can thank Nancy Pelosi while you're at it! (But I know you won't.)



T

Deep state describes dedicated, educated professionals.

Trump Explained Why He Fired The White House Pandemic Team



Fox News Claims It Never Called COVID-19 a Hoax



6 Times Trump Contradicted Public Officials About The Coronavirus Pandemic



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Sunday, April 5, 2020 1:50 PM

6IXSTRINGJACK


Quote:
Originally posted by SIGNYM:
SIX- re: howmuch people pay for a mortgage vesus how much they pay for real estate (RE) taxes in Illinois:

The typical home loan percentage rate is currently 3.5% on the loan
The current RE tax is 1.73%, or roughly half of the mortgage rate, on the assesed value

The only way that you would pay "the majority" of money in RE taxes is if the loan value was half, or less, of the assessed value. Or, if the house is fully paid off, and no loan exists. In other words, the owners would have had to have gotten a loan for their house when the sale price was half of the current assessed value. There are several ways this could happen: They bought their home a long time ago... OR, their home was paid off, and then they took out a home equity loan for something less than the full value of the house.


I'm not making a comparison of property taxes vs. mortgage.

I'm saying that the typical rent charges cover less than half of the property taxes the state and local government collects. Specifically in Democrat run shithole states like Illinois where property taxes are out of control and only getting higher.

In the case of my friend, he's charging $1,400 per month. the square footage of his house is easily 800 to 1000 feet larger than my parents home was, and they were paying over $8,000 per year in property taxes. Add to that the fact that you get charged a much higher rate without the "homestead exemption" for rental properties, and he could very well be paying over $10,000 per year on that rental property in taxes, which is much more than would be required to call that a majority of his monthly rent collection.

As far as his mortgage is concerned, he's already told me that he actually has to pay money out of pocket every month above and beyond what he collects for rent, because the property taxes are so high. He can justify this in his mind because he's building equity. I'm sure his tax guy is writing off whatever he can as well.

I don't understand what is so hard to get about this.

Quote:
Anyway, your contention still doesn't make sense.


No. Your argument doesn't make sense. I think it's because you're making a completely different argument than I am.

Quote:
I see from the chart that RE tax rates in Illinois are the sixth-highest in the nation. New Jersey is higher. So, surprisingly, is Nebraska. I sure hope the farmers and ranchers there get some sort of "agricultural production" exemption because ... Nebraska???


Yup. That's why I made a huge distinction between Illinois and Indiana.

But make no mistake, if you're renting out a 2nd home you own in Indiana it is not by any means "cheap" either. Not only does the constitutionally capped 1% maximum tax jump to 2%, but you also lose the homestead exemption and have to pay more in the "increases above the capped property taxes that were passed via referendum" as well.



Do Right, Be Right. :)

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Sunday, April 5, 2020 2:45 PM

1KIKI

Goodbye, kind world (George Monbiot) - In common with all those generations which have contemplated catastrophe, we appear to be incapable of understanding what confronts us.


Here in California property taxes plus fees varies by county. The same is true of Illinois, varying from 2.19% of property value down to 0.71%.

http://www.tax-rates.org/propertytax.php?state=illinois

Maybe your parents owned an expensive home. Maybe it was in a higher-tax county. Unless you literally account for all that, you can't compare your parent's property tax bill to your buddy's.

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Sunday, April 5, 2020 4:28 PM

6IXSTRINGJACK


I know what counties they lived in and he owns in. I was shopping for houses around there first before I moved to Indiana. If anything, his property tax rate might even be higher in his county now since more rich people tend to live there.

I happen to know a lot about property taxes. Far more than your average lay person. Especially in my state and the Chicagoland area. If you're insinuating otherwise, you are incorrect.


I am "accounting for all of that". If anything, I'm being conservative with my estimates and his situation might be worse than I'm stating.



Oh... and BTW, that 2.19% maximum tax rate in Illinois is BS too. Especially when they overhauled the entire taxing authority in Illinois after the housing crash. In fact, you can't even fight property taxes in the state on your own without paying a lawyer to do it for you.

After the recent sale of their house before they moved south, the property taxes they were paying per year equated to closer to 5.5 to 6% of the sale price of their home every year.

You didn't think they were going to lose all of that tax revenue when property values plummeted 50% or more and never recovered, did you?

Do Right, Be Right. :)

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Sunday, April 5, 2020 7:02 PM

1KIKI

Goodbye, kind world (George Monbiot) - In common with all those generations which have contemplated catastrophe, we appear to be incapable of understanding what confronts us.


Show me the money! Actual taxes, specifically.

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Sunday, April 5, 2020 7:27 PM

6IXSTRINGJACK


Quote:
Originally posted by 1KIKI:
Show me the money! Actual taxes, specifically.


No thanks.

I'm not doxxing myself and giving you my parents old address via their property tax card.


Do Right, Be Right. :)

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Sunday, April 5, 2020 7:52 PM

6IXSTRINGJACK


But... who would I be if I didn't teach people to do what they can easily do for themselves.


I looked up "recently sold properties in Cook County" on Google.

Zillow showed me a list of over 200,000 results.

I took the first actual house on the list, skipping over a few empty lots and other buildings.


https://www.zillow.com/homedetails/16347-Brementowne-Dr-Tinley-Park-IL
-60477/4225180_zpid/

Recently sold for $135,000.




Now feed that address into the following site:

http://www.cookcountypropertyinfo.com/

I'd give you a direct link to that address, but the website doesn't allow you to post tax results for individual property results, likely for privacy reasons.

But here are the results that you will find. Feel free to double check for yourself if you don't believe me.

2019: $2,776.27*
2018: $5,047.76
2017: $5,105.64
2016: $4,580.00
2015: $4,437.49
*=(1st Install Only)


So there you have it. The VERY FIRST property on a Zillow search that was an actual home, in chronological order from newest first.

Taxes for 2018 (the last full year collected on record) were 3.73% of the value of the home. (The value it actually sold for two days ago on 4/3/2020)

If you double the 1st installment of 2019 and take that percentage, you're at 4.11%.

A damn far cry from your 2.19% high number, and not even on the same fucking planet as the 0.71% low number.



If you spend some time doing this for various other properties around Crook County, you'll find that number fluctuates wildly and any bullshit lowball estimates that you find on your bullshit fake news sites are laughable fallacies in the eyes of people who actually live in that county and the surrounding ones and are actually being screwed. HARD.



And just FYI...

You can do this for any single address in the entire United States, as long as they have their property tax assessment system up and running online.


So, in other words...

Go fuck yourself and your "education" you like to lord over other people.

Do Right, Be Right. :)

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Sunday, April 5, 2020 8:47 PM

6IXSTRINGJACK


Oh yeah...


The Homeowner Exemption in Illinois is based on an EAV (Equalized Assessed Value). Unlike in Indiana where they wrote it into the state constitution that you cannot be taxed above 1% of the legitimate value of your home (except for local voter approved referendums above the 1% value), they make numbers up out of thin air, and then run them through some algorithms that nobody but tax accountants and lawyers understand so you can't possibly even begin to fight them without hiring somebody who knows first.


Further information on the house I posted above (and any property sold in Illinois for that matter) that none of the poor dipshits buying property in Illinois know until a year or two after they move in and get re-assessed.

Open this link:
https://www.cookcountyassessor.com/pin/28193031110000

Then click the link for "Exemption History & Status"

You'll see the following table:

Homeowner / Senior / Senior Freeze
2018 Yes | $1,431.50 / N/A / N/A
2017 Yes | $1,415.60 / N/A / N/A
2016 Yes | $1,080.59 / N/A / N/A
2015 Yes | $1,113.07 / N/A / N/A

Translation = The previous owners were NOT seniors and did NOT get a senior freeze or exemption.

But they had a homeowners exemption that fluxuated quite wildly, but mostly went up.

What is that based on?

Your guess is good as anybody elses without a masters degree and deep understanding of Illinois Property Tax Code.

What is it for?

It's to subsidize the property taxes for long time homeowners off of the backs of those who buy a home in Illinois now.

Why do I say that?

Because that Homeowners Exemption can be as much as $3 to $4 thousand dollars or more, depending on how much the house is worth, but more importantly how long the person who owns it has lived there.

What is that Homeowners Exemption for a new homeowner in Illinois?

Either $400 or $480, depending on where you move. Not a penny more.




Don't believe me?

Watch what happens to that specific property tax card a year from now, now that it is sold. The new owner will be paying somewhere around $1,000 more the first year the value is re-assessed and they lose that built up EAV and reset back to either $400 or $480 as a new homeowner.





So, in other words...

Instead of the $2,776.27 x 2 ($5,552.54) in property taxes on that property that was paid in 2020 for 2019, it will be in the ballpark of $6,500.00 instead. (Assuming the algorithms don't magically change and the taxes don't get jacked up a lot again by TPTB in Illinois to offset all the people and businesses moving out of Illinois for this among other reasons, of course).

$6,500.00 / $135,000 = 4.81%



That's $6,500 to "rent" your $135,000 home you OWN in Illinois from the government.

It's also taxed QUITE A BIT MORE if you lose that Homeowner's Exemption (ie: if the person who sold it was renting it out instead of living there, they would have not gotten any of that $1,431.50 Homeowner's Exemption) and would have been paying $6,984.04, which further raises that percentage to 5.17% of the home's actual market value.


In other words, regardless of how much that owner was charging rent to somebody per month to live there had they rented it out instead of lived there, $582 of their collections are immediately handed over to the State every month in 2019. That's $22 more than I paid monthly to rent my first apartment, and only $247 less than I paid monthly to rent my last one.



And, FYI, my friend's house is valued at A LOT more than $135,000.

So if the state just says that renters don't have to pay rent but owners still have to pay property taxes AND their mortgages, that's going to very quickly put a lot of middle class people in Illinois in the poor house. Chapter 11. Game over.

The same could be said for people who live in their house and aren't even renting them out but find themselves in a situation where they can't work because of COVID-Mania and haven't even been able to set up an account for unemployment yet because the system is broken.


Have fun looking at other properties and discovering how wrong those bullshit numbers you posted are.

Maybe if this actually sinks into that thick skull of yours you can put two and two together and see how you're being played with the COVID statistics and probability too.

Do Right, Be Right. :)

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Monday, April 6, 2020 3:28 AM

1KIKI

Goodbye, kind world (George Monbiot) - In common with all those generations which have contemplated catastrophe, we appear to be incapable of understanding what confronts us.


Whatever.

I went to the Illinois property tax estimator http://www.tax-rates.org/illinois/property-tax, plugged in Cook County, and $135,000, and got an estimated $1,863.00 ANNUAL property tax.

But I know CA plays games with property tax. Some of their games are to include fees and 'special assessments' and extra districts.

And Cook County does as well.

Here are the various taxing authorities that get added onto that particular property tax bill, taken from a pdf of the actual bill (it's a couple levels down on your weblink):

South Cook Mosquito Abatement Harvey
Metro Water Reclamation Dist of Chicago
Tinley Park Park District
South Suburban Coll Dist 510 (S Holland)
Bremen Community HS 228 (Midlothian)
Comm Consolidated SD 146 (Tinley Park)
Village of Tinley Park
Town of Bremen
Cook County Forest Preserve District
County of Cook

Cook County also has an 'equalization' factor used to 'adjust' property value, but it's generally +/- 33% of assessed or sold value.

So, without back-calculating from the pdf of the bill - yes, it looks like the rate is the rate stated, it's all the other stuff that gets tacked onto the bill that makes it higher than the simple property tax calculation.

I'm surprised you didn't know that, with all of your 'expertise'.

Now taking the first installment of 2019
Quote:
2019: $2,776.27
and multiplying by 2 to give an approximate annual rate, and dividing by 12 gives a monthly tax payment of about $462.71 (more or less).


But what this has to do with your friend's house I have no idea. How much is its assessed value? What county is it in? (Is it even in Illinois?) You haven't made your case that "... a majority of the monthly rent collected is going to pay those taxes off, such as Illinois." Because, if that were true for the property you cited as an example, that entire property plus garage would have to be rented for less than $925.42 a month (more or less). And that would have been a steal 10 years ago.

All I get from your posts is that there's a property in Illinois where the property tax is about $462.71 a month (more or less).


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Monday, April 6, 2020 4:29 AM

SIGNYM

I believe in solving problems, not sharing them.


I too decided to look up SIX's tax gripe. What I found is that the taxes (plus special assessments etc) vary greatly from county to county, with a low of $447 for the year (Hardin County) to a high of $6285 (Lake County), most of them are in the $1500-$2000 range.
http://www.tax-rates.org/propertytax.php?state=illinois#Countiies

So I guess it's hard to comment on IL real estate taxes in general; it could be pretty low or very high, depending on the other things tacked on.

I guess what I don't understand is how SIX's friend, a banker, supposedly got so sideways on a rental property that he doesn't even get the RE taxes in rent. That seems improbable, and I think he's just crying the blues to a sympathetic ear.

There's more than meets the eye here, SIX. In CA, and I assume elsewhere, you not only get to deduct the mortgage payments on rental properties as a business expense, you get to deduct every other expense (paint, lumber, gardening services, your truck mileage etc etc) as a business expense. AND, you get to lower the "value" of your business assets over a 10-year period and take that off your taxes, too. I wouldn't be surprised if your friend is deducting the value of your free labor as a business expense from his rental income.

I understand that he has terrible tennants, but letting the situation go on that long wasn't a smart thing to do. ALtho it was easier not to look and have to respond, ignoring a growing problem just makes it bigger and harder to deal with. Yanno, kind of like Sars-CoV2.

Or the many many problems that have been developing in the USA economy since the 1970s.

-----------
Pity would be no more,
If we did not MAKE men poor - William Blake

#STAYTHEFUCKHOME

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Monday, April 6, 2020 11:07 AM

6IXSTRINGJACK


I just gave you ACTUAL TOOLS to look up ACTUAL RATES with an ACTUAL EXAMPLE.

I didn't cherry pick that example either. It was the FIRST HOUSE on the list of houses sold in Crook County in chronological order, newest first.

Stop reading bullshit numbers that politicians and housing authority agents in Illinois put out there in a desperate attempt to keep everybody from moving out of the state because of Property Taxes on top of other taxes, such as the highest sales tax rate in the entire country in Crook County.



Look SPECIFICALLY at the part about the EAV/Homestead Exemption. If you look at a few examples and see what is actually going on there, ask yourself how this could have been going on for years and it never even gets reported. How many people have bought houses in Illinois thinking that their property taxes were going to be one amount, only to find out that their monthly mortgage/tax payments ballooned to unaffordable levels because the property tax estimation calculators were lying and their real estate agents either lied to them or didn't know how taxes worked in their state.

Whoever bought the home in the above example is a "lucky" one that will only end up paying $1,000 more per year when it happens.

I happened to luck out with a realtor that had a heart and a brain. She told me about people who she had gotten into houses that ended up being foreclosed on in the late 2000's/ early 2010's, with this spike in taxes being the usual cause. She knew that property taxes were my first priority when buying a house and she's the one who told me we had to drop all the Illinois properties and look in Indiana. She's the one who taught me about the EAV/Homestead and when it finally clicked my jaw dropped onto the floor. I have no idea how that poor woman slept at night. I could tell in her eyes how guilty she felt about those foreclosures.

When I learned this, we looked up a property that had only been around $4,500 per year after you took away the Senior Exemption and Freeze. My previous realtor, a young dude, agreed with me that this is what I'd be paying when that was stripped away those exemptions. What he didn't tell me (whether he was lying or didn't actually know) is that there was a $2,800 EAV Homestead on there, that would be reduced to $400 after I moved in and it was re-assessed, adding an additional $2,400 to my yearly tax bill for a total of $6,900!

I am so lucky that short sale ultimately fell through and that I found a realtor that was both intelligent and had ethics.


Don't talk any shit to me about my "opinions" on this issue until you've done plenty of research plugging in links to recently sold properties and comparing them to tax rates that I just taught you how to do.

And while you're at it, use this as an example of why you should not just believe any random numbers and stats that a webpage puts up somewhere and ask yourself why somebody might be gaming those numbers.


Jesus Christ. Did this virus make both of you stupid and strip you of your objectivity and/or ability and desire to even figure out what is true or not?

Do Right, Be Right. :)

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Monday, April 6, 2020 11:21 AM

6IXSTRINGJACK


Double

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Monday, April 6, 2020 11:39 AM

6IXSTRINGJACK


Quote:
Originally posted by SIGNYM:
I too decided to look up SIX's tax gripe. What I found is that the taxes (plus special assessments etc) vary greatly from county to county, with a low of $447 for the year (Hardin County) to a high of $6285 (Lake County), most of them are in the $1500-$2000 range.
http://www.tax-rates.org/propertytax.php?state=illinois#Countiies]



Here's another one that blows those numbers out of the water. They're not hard to find. Just look in Cook or Will county, pick a random recently sold house and you'll find one.

Sold Price/Date: https://www.zillow.com/homedetails/7545-Ponderosa-Ct-Orland-Park-IL-60
462/4185194_zpid/

Pin Lookup for Taxes: http://www.cookcountypropertyinfo.com/default.aspx

Exemption Info: https://www.cookcountyassessor.com/pin/27132020620000


This one is a "unique" case too. There must have been quite a lot of upgrades done to the home, because unlike a lot of other properties that you'll find there, this one was assessed at quite a bit below what it sold for on the market.

Assessed Value (2019): $283,830
Sale Price (on 4/3/30): $356,000

Based off the Assessed value of $283,830, the property taxes for 2019 WITH the Homestead Exemption of $1,176 were $9398.12, or 3.3%.

If the property value hadn't sold so much higher and the new owner only lost the built in EAV/Homestead, their property taxes would be $10,534.62, or 3.7%



But the house sold for $356,000 on the market, and the tax assessor knows that now.

That's an additional $72,000+ that the house was REALLY worth on the market than the county had mistakenly thought it was. Not only are they going to have to pay that additional $1,300+ of EAV/Homestead reduction when the rate is reset for the new owner, but they'll be paying at least the lower 3.3% rate on that additional $72,000 when things are re-assessed, equaling an additional $2,376 per year.

That's $12,910.62 per year in Property Taxes. (Or nearly $1,100 per month to RENT the house you OWN from the Illinois Government).

Orland Park is nice, but it's hardly Beverly Hills. And that's just an average sized house.

My parents had some retired friends that lived out there in an ungodly sized house that was ridiculous for an old couple with no kids to be living in that were paying $25,000 per year including their Senior Exemption (they did not get the Senior Freeze though, because, yanno... rich).

Do Right, Be Right. :)

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Monday, April 6, 2020 2:12 PM

SIGNYM

I believe in solving problems, not sharing them.


SIX, your ACTUAL TOOL applies to only ONE COUNTY. I was just curious what other counties would look like.

If you have an ACTUAL TOOL that applies to other counties, let me know.

-----------
Pity would be no more,
If we did not MAKE men poor - William Blake

#STAYTHEFUCKHOME

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Monday, April 6, 2020 2:23 PM

6IXSTRINGJACK


Quote:
Originally posted by SIGNYM:
SIX, your ACTUAL TOOL applies to only ONE COUNTY. I was just curious what other counties would look like.

If you have an ACTUAL TOOL that applies to other counties, let me know.

-----------
Pity would be no more,
If we did not MAKE men poor - William Blake

#STAYTHEFUCKHOME



If you want to, you can just google any county's assessor's office in any state in the US. I'd assume that in all but the most impoverished and low populated ones they have that information online. There is no one-size-fits-all tool that I'm aware of. Each county has an assessor's office that puts that information up that anybody can view if they have a person's address.

Some states/localities are much more informative with how they came to the numbers than others are, and the areas that make it clear cut like mine are likely only doing so because because they are compelled by property tax law that was changed by a vote 15 or 20 years ago and enshrined in the state constitution. (I can see every single part of my house and the square footage they have on record. The exact square footage of my porch and patio. Whether or not I have A/C. They even put value on the square footage of crawl spaces out here at a much lower rate than any actual living space. It's all very clear and easy to fight anything that is incorrect, and they aren't allowed to use any BS sliding scale algorithms to magically increase whatever weirdo assessment they make and are also compelled to base your taxes off of the actual assessed market value of the home which you can have re-determined at any time you want to put the effort into doing so).

Will County, IL: http://www.willcountysoa.com/search_address.aspx

Lake County, IL: http://www.tax.lakecountyil.gov/forms/htmlframe.aspx?mode=content/home
.htm

DuPage County, IL: https://www.dupageco.org/PropertyInfo/PropertyLookUp.aspx

Try it out in your own county and state and see how much they're lying to you about your own numbers. Hell... look up your own house and see if you're overpaying yourself. (Or even if it's possible to figure that out without professional help in California).

I did, and I cut my own property taxes in half without getting any legal assistance. But I don't live in a Democrat run, bankrupt shithole that was ruined by decades of bad politicians, bad politics and bad policies... so your mileage may vary.





Note, however, that although the Assessor is your County Assessor, it's most likely that the government body that actually makes the assessments and determinations is actually your Township Assessor and they're the ones that you'd need to talk to if you wanted to fight anything, since taxes collected are based off of local "needs" and any local referendums that were voted on inside of the borders of your Township, which also are very unlikely to share the same borders with the actual town you live in. (It really is a pretty deep rabbit hole, even where I live). If that's the case where you are, I'm sure the County Assessor's office would let you know that right away.


Do Right, Be Right. :)

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Monday, April 6, 2020 6:41 PM

SIGNYM

I believe in solving problems, not sharing them.



Not that I agree with everything posted, but this was hysterically inappropriate!

Quote:
Clusterfuck Nation


You understand, there will be no meaningful resuscitation of the dear, departed, so-called greatest boom in history. Ponzi schemes don’t “bounce back,” they collapse for the simple reason that the pieces holding them up were not really there. Such are the unanticipated consequences of a media over-saturated culture that we were so easily deceived by appearances.

The emotions entrained by this implacable disaster have barely expressed themselves in the social arena. The public is still too shell-shocked by the prospect of losing everything ­– jobs, incomes, status, chattels, a future – to commence what the shrinks call “acting out.” Anyway, half the country is still acting out over the election of Mr. Trump three years ago.

But, for the moment, an interesting debate rages internationally as to whether the Covid-19 virus was some kind of engineered event designed to bring about various political outcomes. One thread declares that the Democratic Party, its media handmaidens, and a helpful Chinese leadership used the virus to blow up the US economy and finally, after several botched attempts, get rid of the vexing Mr. Trump. It’s a tidy story, but I don’t buy it, for the simple reason that the entire global economy has blown up, including China’s, so you can file that meme in the Wile E. Coyote folder.

A gloss on that one is the idea that NIAID director Anthony Fauci and other medical experts are wicked conspirators bent on destroying American morale by overstating the threat of Covid-19. This includes the phrase that the novel corona virus is “just another seasonal flu,” and so ordering people to stay away from work and business was unnecessary. Again, you’d have to ask yourself why medical experts and other plausibly intelligent people in so many other countries would do exactly the same thing. They can’t all be orcs.

Then there’s the one that has Bill Gates so worked up about climate change that he’s using his foundation’s deep resources to reduce the world’s population by sowing maximum disorder onto the scene with Covid-19 hysteria. This one casts Mr. Gates as something like a villain from a James Bond movie, deep in his Seattle mega-fortress petting a Persian cat as millions perish. Sounds like another case of Americans confusing movies with real life.

Another story has a shadowy gang of “globalists” using the disorder spawned by the virus to impose a centralized global uber-government run by international financiers. First of all, that one smacks of the hoary conspiracy theory that Bilderberger bankers (Jews especially) are scheming to take over the world – yet these supposedly hyper-clever “puppet-masters” are proving that they can’t even run the banks and their own financial ops, which are now crashing down around their ears along with everybody else’s. Thirdly, if there is trend anywhere in this collapse scenario, it is for the devolution of power downward, away from floundering centralized power structures and institutions. As they flounder, the faith of their subject peoples ebbs away and the trust horizon shrinks so that the people are no longer willing to depend on distant authorities for anything.

That floundering of centralized authorities is exactly what’s in process here in the USA. Mr. Trump surely has enough problems attempting to manage this crisis, not the least of which is his own unfortunate habit of jumbled impromptu speech that often sounds like sheer blather. Some observers like to call it “plain speech,” but in my experience even the common folk of America, the plumbers, truck drivers, and waitresses, express themselves more coherently. It’s just not very reassuring. Believe me, I don’t want to see the president fail, but I would advise him to stick to the teleprompter.

Of course, then, there is Joe Biden, the implausible nominee-presumptive of the opposition. Who are they kidding with this emperor’s new clothes scam? It’s obvious now to anyone over twelve in this land that Joe Biden is missing a few transistors on the old motherboard – not to mention the slime-trail of grift and money-laundering that he laid down in his adventures abroad as vice-president. His manner of speech, while different than Mr. Trump’s, is even more pathetically incoherent. The Democrats’ pretense that he is a viable candidate is the ultimate falsehood in a long train of barefaced falsehoods they’ve so earnestly retailed since 2016, making them utterly untrustworthy to run the nation’s affairs.

We don’t know whether anyone, or any faction, will be able to run the nation’s affairs in the months upcoming. The least credible cohort these days are the folks presiding over the financial side of things. There is plenty of debate as to whether the mega bailouts and backstops will bring on inflation or deflation, both ruinous at the grand scale. There’s abundant evidence that this flood of money-from-thin-air will do nothing to arrest the unwind of a system so rotten that it casts an odor across the boundaries of history. Wall Street has screwed America’s pooch so completely that the poor pooch can’t even squeal for mercy anymore. The Federal Reserve crew and their allied banksters have barely a few weeks before an immiserated public comes after them with the modern equivalent of pitchforks. Wait for the breaking news on the cable networks: The Hamptons are burning!

I feel intensely for the poor metaphorical pooch!

-----------
Pity would be no more,
If we did not MAKE men poor - William Blake

#STAYTHEFUCKHOME

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Monday, April 6, 2020 10:17 PM

6IXSTRINGJACK


They forgot the conspiracy theory that coronavirus isn't a virus at all and is something caused by 5G communication towers.

Yup. That's a thing.


Not very likely, but then again I wasn't going to have a 5G receiving device carried on my person 24/7, 4" away from my junk either, and I missed most of 4G too. I'd say to get back to me in 20 years and let me know if you still feel it's safe, but I'm sure we'll be on 6G or 7G by then.

Do Right, Be Right. :)

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Tuesday, April 7, 2020 5:50 PM

6IXSTRINGJACK


STIMULUS CHECK UPDATE:

https://www.forbes.com/sites/zackfriedman/2020/04/07/stimulus-checks-c
oronavirus/#1be816c227f6

Quote:
Your Coronavirus stimulus check may go out this week or next.



If you have direct deposit set up through your tax refunds for the last two years, or through SSI/SSDI already, this should be automatic and you should receive it this week or next. This particular article doesn't say a date at all, but I heard this would be starting on Thursday from other sites.

According to this article, paper checks will not begin to be processed until May 4th, which is really kind of a nightmare since those most likely to need the money still haven't gotten any unemployment benefits and probably don't even have a checking account to direct deposit.

Early articles I read said that the federal government claimed that it can only process 5 million checks per month. This article states the number is 5 million checks per week. It will likely be quite a while before all of them go out either way.

The one item of good news for the paper checks is that they will go in order of lowest income to highest income first, but I don't think anybody making $20,000-$30,000 before this happened was sitting pretty, and they're going to be waiting a pretty long time before they get anything.



Do Right, Be Right. :)

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Thursday, April 9, 2020 5:29 PM

6IXSTRINGJACK


STIMULUS CHECK UPDATE:

https://www.forbes.com/sites/zackfriedman/2020/04/09/stimulus-check-da
tes/#49df53e8588c

They just keep pushing it back. :)

Supposedly direct deposits (might) be going out today. Feel free to let us know if you got yours yet. Mine isn't in.

According to the article, anybody getting a direct deposit should have it on or before April 14th (Next Tuesday).




April 24th begins the paper check mailings, starting with those with less than $10k income in 2018. By May 8th, all checks for everyone who made under $30k in 2018 should be mailed.

Those who made just under the income cutoff won't be getting theirs mailed out until September 4th (but honestly, who makes nearly $100k per year and doesn't have a checking or savings account?)

Lastly, checks going out to people who never provided info to the IRS will be attempted on September 11th.



IMPORTANT: For those who don't have their Direct Deposit info on file with the IRS.

Quote:
New IRS Portal: In late April or early May, according to the memo, the IRS expects to create an online portal that will enable taxpayers to update their direct deposit information and check the status of their stimulus check. For those who don’t file taxes, but who receive Social Security benefits, you can also update your direct deposit information once the online portal is available.


I'll update this with the link whenever that becomes available. If you don't have the info on file for whatever reason by now, you probably should as soon as they do otherwise you might not be getting that check until after summer is over.



As for unemployment, states in my area seem to be saying that benefits should start being paid out for most filers the week of the 20th. This is supposed to be retroactive back to the week ending the 4th of April, and when everything is in place the $600 additional per week should be retroactive to that week as well.

Do Right, Be Right. :)

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Friday, April 10, 2020 11:12 AM

6IXSTRINGJACK


SOME MORE MONEY UPDATES FOR 4/10/2020:

This article should be common sense, and for a lot of people they'll have no choice but to be doing that already, especially if unemployment issues don't start clearing up. But I felt the advice was sound and I'll put it out there.

Quote:
What should you do with your stimulus check?


https://www.news4jax.com/money/2020/04/10/what-should-you-do-with-your
-stimulus-check/


STIMULUS CHECKS:

No change on any information we already had yesterday. I don't expect there to be any changes from yesterdays numbers unless they have some sort of catastrophic unforseen glitches in their system. If anything, I'm hoping for the people with the paper checks that the government erred on the side of caution with those dates and people will actually get them sooner than they're being told. Just going to have to wait that one out. I will post any legitimate links I find for ensuring they have your info on file to get it quicker if you're doing a paper check.



CREDIT CARD DEBTS:

No article on this, although the first article I put in this post makes mention to do so. If you have credit card debt and you're looking at making a decision to either pay the minimum on the card or keep your lights on, call up your credit card companies and ask if there is any way to defer the payment for a month or two before your stimulus check and/or unemployment comes in.

I was doing my own finances online yesterday, which is always the time I check whether or not my zero balance cards have had any unauthorized activity, and one of the cards had a Coomph pop-up asking me (YES or NO) if I wanted to be put in contact with somebody to defer payments temporarily. I'm sure your mileage will vary depending on credit worthiness and the company you're talking to, but you really should look into this as a temporary means of getting over this.

And speaking of "keeping the lights on"...


POWER COMPANY:

It may or may not already be happening with yours, and you may or may not have already noticed it, but my company has a huge banner on the login page stating that they will not be charging any late fees on power bills right now until the July bill. They also will not be shutting off power until then either. This isn't a bill you want to dodge for too long since it adds up really quickly, but chances are there is a little leeway in your payment here. Check it out if you need to.


PROPERTY TAXES: Again, no article here, just what I see when I'm checking things. My local assessor/treasurer has extended the deadline for the May installment of property taxes until July.

Most people probably don't pay every 6 months and have that wrapped up with their mortgage, but either way, you should look into this if you're having any temporary problems.



EARLY RETIREMENT WITHDRAWLS:

Part of the CARES act eliminates the 10% early withdrawal penalty on your 401ks and IRAs. (You would still pay taxes on it if your total income including unemployment puts you into a federal tax paying bracket, and you'd still be on the hook for any state and local taxes on withdrawals)

https://www.usatoday.com/story/money/2020/04/09/coronavirus-should-i-w
ithdraw-money-from-my-401-k/2942683001/

Most investors agree that taking this money out should be a last resort for almost everybody. I'm not going to give my opinion on that here. I'll just say that anybody who had some stuck in there that was looking to get some of it out but didn't want to be penalized has a good opportunity to do so now, and if your income is low enough you'll hardly pay any taxes on it at all. Possibly none if you live in a state that doesn't tax retirement withdrawals.






Oh... and if you or anybody you know is on medicaid and/or foodstamps and will be receiving the $600/week additional to regular unemployment benefits, that $600 will not be counted as income that would normally get the benefits taken away from you.

I don't currently know anybody in that situation, but I am curious if it will potentially mess with VA benefits. Somebody I know is concerned about that.

Do Right, Be Right. :)

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Friday, April 10, 2020 11:48 AM

6IXSTRINGJACK


And this is interesting...

https://www.ketv.com/article/waiting-on-that-stimulus-check-this-usps-
program-will-alert-you-when-it-s-in-the-mail/32095158

It looks like you can sign up for a program with the USPS that will email you black and white preview photos of all of the mail you should be getting. The article touts it as a way to track your stimulus check, but it looks like it's for everything.

I don't see any reason why I would ever sign up for it, but maybe you like what you see. Figured I'd post it here and let you check it out.




Also interesting to note is that the USPS does not use a .GOV web address. That was my first thought when I saw the link in the article lead to a .COM address. I typed in USPS.GOV into a new tab and I was redirected to the USPS.COM address.

I can't seem to find the correct text to ask they "why" question regarding that in Google, but the searches I came up with do suggest that the email system in place for USPS employees use @USPS.gov even though the commercial website is USPS.COM.

Without knowing for sure I would assume they just have both domains so nobody could scam with the other one, and since most people type in .COM for nearly everything they use they chose the .COM address for simplicity sake.

Strange that they don't redirect people who typed in .COM to the .GOV site instead though since they own both.

Do Right, Be Right. :)

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Friday, April 10, 2020 11:58 AM

SIGNYM

I believe in solving problems, not sharing them.


The USPS is a semi-private (ie independent) part of the government meant to be self-funded. i.e. receives no tax money.

-----------
Pity would be no more,
If we did not MAKE men poor - William Blake

#STAYTHEFUCKHOME

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Saturday, April 11, 2020 9:12 AM

6IXSTRINGJACK


IRS tool to get your info on file if you didn't pay taxes or get SSI in the last two years:

https://www.irs.gov/coronavirus/non-filers-enter-payment-info-here

Get the link out to any poor people you know. They're already doing to be waiting way too long for that check.

Do Right, Be Right. :)

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Sunday, April 12, 2020 1:10 AM

6IXSTRINGJACK


Nobody I know has gotten it, but CNN reports that the IRS started putting out the direct deposits on Saturday the 11th.

https://www.cnn.com/2020/04/11/politics/irs-coronavirus-stimulus-check
-deposit/index.html

Do Right, Be Right. :)

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Sunday, April 12, 2020 1:40 PM

6IXSTRINGJACK


Should go without saying, but don't fall for any scams.

https://www.fool.com/personal-finance/2020/04/12/this-mistake-could-co
st-you-your-stimulus-check.aspx


According to CNET.com, the IRS says that it will have a webpage for you to track your stimulus check.

Do Right, Be Right. :)

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Monday, April 13, 2020 8:18 PM

6IXSTRINGJACK


So has anybody else gotten any money or even know anybody who does?

The new thought making the rounds on the internet is that "everybody knows somebody who knows somebody who got the stimulus check, just like The Coomph".

I don't know anybody who has gotten a stimulus check yet, nor do I know anybody who has been laid off for a month who has started to get unemployment either.



Remember when the checks were supposed to be out by the 6th? Then the 9th? Then, as early as yesterday it was the 14th? Now they're saying by the 15th?


They're certainly playing a dangerous game. Violence and civil unrest is going to begin fairly soon.

I wonder how much time they really think $1,200 is going to buy them, even when they do finally get it out there.


Do Right, Be Right. :)

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Monday, April 13, 2020 8:35 PM

6IXSTRINGJACK


Hmmmm...

Anybody think that BoA, Chase and a few of the other large players might just be sitting on a few (tens of) million(s) $1,200 checks for a few days before releasing them?

I'd imagine the interest on all of that cash even if only for a few days would be nothing to sneeze at.

Do Right, Be Right. :)

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Monday, April 13, 2020 10:42 PM

6IXSTRINGJACK


So one thing I never hear anybody here complaining about is money. I have the feeling that nearly everyone here is sitting pretty and found it quite easy to shelter away from the real world now. Not only that, but there doesn't seem to be any real empathy from anybody here about poor people who are currently struggling and freaking the fuck out about how they're going to pay their bills either, despite the fact that everybody is virtue signalling about the small number of deaths so far.


How you doing Wishy? JO? You guys alright?

Did you file for unemployment yet JO? As bad as that is in Indiana it's 10 times worse in Illinois right now. Hope you did it early when I suggested you do.

Do Right, Be Right. :)

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Tuesday, April 14, 2020 12:52 AM

WISHIMAY


Quote:
Originally posted by 6IXSTRINGJACK:
Not only that, but there doesn't seem to be any real empathy from anybody here about poor people who are currently struggling and freaking the fuck out about how they're going to pay their bills either, despite the fact that everybody is virtue signalling about the small number of deaths so far.



Everyone is going to do they best they can, as always. Real effects aren't going to be apparent for several months anyway.

Most of my extended family works in healthcare, they are all fine and working, so far.

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Tuesday, April 14, 2020 1:48 AM

6IXSTRINGJACK


Good to hear. How has it hit your community down there?

We're practically an extension of Chicago up here, so everything is locked down tight. I heard down by my brother in the middle of Illinois they're a lot more relaxed still than they are up here.

Do Right, Be Right. :)

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Tuesday, April 14, 2020 12:33 PM

6IXSTRINGJACK


If Indiana spent half the time updating their unemployment process as they do making a fancy website to track The Coomph cases in the state, 100,000+ people wouldn't be panicking about how they're going to pay their bills right now.

https://coronavirus.in.gov/

Really nice looking graphs to look at though while you're dodging your landlord trying to bang down your door to get the rent payment.



Meanwhile...

It's the 14th and nobody I know has gotten the Stimulus Check yet. It hasn't even shown up as a pending transaction in anyone's bank accounts yet.

They're certainly not going by income. I haven't worked since June of last year, and since I was laid off it was less than $10k for 2019. The only reason I even filed was because I had some self employment income to report and I need to file even if I make nothing if I want the property tax credit in my state.

I'm alright without it now, but my case and situation is rather unique. What this tells me that there are a lot of people who are really struggling who haven't gotten it either, while people who don't need it have already gotten it. And with my state giving zero word on when it will allow self-employed people to even file their claim yet, that's a lot of people forced out of work with no way to pay the bills.

Seems to me to be an EXTREME overreaction for a total death count of 387 people in our state.


Now they're saying most people should get the direct deposit tomorrow. Waiting on them to say Thursday 24 hours from now.


Do Right, Be Right. :)

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Tuesday, April 14, 2020 7:26 PM

6IXSTRINGJACK


Yup. No money still. Imagine that...

But this dude got $8.2 Million deposited in his account.

https://balleralert.com/profiles/blogs/indiana-man-checks-bank-account
-to-find-8-2-million/



Do Right, Be Right. :)

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Tuesday, April 14, 2020 8:47 PM

SIGNYM

I believe in solving problems, not sharing them.


Quote:
Originally posted by 6IXSTRINGJACK:
If Indiana spent half the time updating their unemployment process as they do making a fancy website to track The Coomph cases in the state, 100,000+ people wouldn't be panicking about how they're going to pay their bills right now.

https://coronavirus.in.gov/

Really nice looking graphs to look at though while you're dodging your landlord trying to bang down your door to get the rent payment.
Meanwhile...
It's the 14th and nobody I know has gotten the Stimulus Check yet. It hasn't even shown up as a pending transaction in anyone's bank accounts yet.
They're certainly not going by income. I haven't worked since June of last year, and since I was laid off it was less than $10k for 2019. The only reason I even filed was because I had some self employment income to report and I need to file even if I make nothing if I want the property tax credit in my state.
I'm alright without it now, but my case and situation is rather unique. What this tells me that there are a lot of people who are really struggling who haven't gotten it either, while people who don't need it have already gotten it. And with my state giving zero word on when it will allow self-employed people to even file their claim yet, that's a lot of people forced out of work with no way to pay the bills.
Seems to me to be an EXTREME overreaction for a total death count of 387 people in our state.
Now they're saying most people should get the direct deposit tomorrow. Waiting on them to say Thursday 24 hours from now.

Jeez, no kidding. Or, as Chris Martnsen ("Peak Prosperity") likes to say .... When days count, the check will be in the mail months from now

Seems like you're OK and WISHY is OK, but I do worry about JO.

JO, you OK?

And wow, it sure would be nice to win the Stimulus Check lottery!!!




-----------
Pity would be no more,
If we did not MAKE men poor - William Blake

#STAYTHEFUCKHOME
#WEARAMASK

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Wednesday, April 15, 2020 2:01 AM

6IXSTRINGJACK


It would be cool if he got to keep the interest that made for just one day, but I'm sure he didn't.


Check your bank accounts today. Mine showed up as pending sometime after midnight.

My guess is that everybody's did. I think the Twitter comments and other social media claims that people had gotten it dating all the way back to Friday were just bullshit, in an attempt to make people feel better that something was finally being done.

I don't think it was doing what they thought it would though, and just pissed off a lot of people who couldn't figure out why they hadn't gotten theirs yet.

Do Right, Be Right. :)

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Wednesday, April 15, 2020 9:26 PM

6IXSTRINGJACK


Well... not everyone got it today, but most people I know did. Ya'all get yours?


Just got my vehicle registration in the mail today. Gumment has to get its money still. I see they didn't let a little government mandated shut down keep them from jacking up the price of the sticker by $10 either.

Do Right, Be Right. :)

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Thursday, May 11, 2023 7:38 AM

JAYNEZTOWN


AOC fumes over Trump town hall: ‘CNN should be ashamed of themselves’
https://www.washingtontimes.com/news/2023/may/10/alexandria-ocasio-cor
tez-fumes-over-cnns-donald-tr/
CNN should be ashamed of themselves,” she said. “They have lost total control of this “town hall”

The Debt Ceiling Fight Is a Reminder of America's Dire Fiscal Future
https://reason.com/2023/05/11/the-debt-ceiling-fight-is-a-reminder-of-
americas-dire-fiscal-future/

Trillion-dollar deficits: Biden’s new normal
https://rollcall.com/2023/04/26/trillion-dollar-deficits-bidens-new-no
rmal/

The Clear and Present Danger of America’s Ballooning National Debt
https://www.nysun.com/article/the-clear-and-present-danger-of-americas
-ballooning-national-debt

Clocks

National Debt Clock is a billboard-sized running total display that shows the United States gross national debt and each American family's share of the debt, it is installed on the western side of One Bryant Park, west of Sixth Avenue between 42nd and 43rd Streets in Manhattan, New York City.

The clock's first incarnation was installed in 1989 on Sixth Avenue between 42nd and 43rd Streets, one block away from Times Square, by New York real estate developer Seymour Durst, who wanted to highlight the rising national debt.

In 2008, the U.S. national debt exceeded $10 trillion, one more digit than the clock could display. The lit dollar-sign in the clock's leftmost digit position was later changed to the "1" digit to represent the ten-trillionth place. In 2017, the clock was moved to One Bryant Park, near the original location.


,



the Debt Clock

https://www.usdebtclock.org/
,
https://www.usdebtcalculator.com/
,
https://usadebtclock.com/

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Friday, May 12, 2023 4:52 PM

JAYNEZTOWN


Russia, USA and sales of

War...


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