Money money money, who can we trust to figure it out?
POSTED BY: WISHIMAY
UPDATED: Saturday, May 13, 2023 02:52
VIEWED: 7579
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Trump's likeliest bailout plan. I mean, if they want it bad enough, make them scrape in the street for it...
Jokers aside, what solutions have you heard of for dealing with the financial aspect of the "little people" and coronavirus?
https://www.rollingstone.com/politics/politics-features/andrew-yang-co
ronavirus-universal-basic-income-freedom-dividend-968248/
I would do a flat $1,000 per individual adult and then $500 per child under 18 and do it for three months. I like the earned income tax credit, but it doesn’t capture everyone that it would need to, and you don’t have much time in this kind of crisis. The downsides of being under-inclusive are high, so you’d want to err on the side of completeness if you can. Just say, ‘Look, if you’re an adult you get $1,000, and for every child you get an additional $500.’ That would secure more people’s ability to weather this storm.
.....
Let’s say that I’m a waitress and the restaurant I work in closes because of COVID-19. What does having zero interest loans do for me? Am I supposed to go to a bank and borrow money? That doesn’t really help me. That’s true for businesses and workers and most parts of the economy. If I’m a small business, I’m also not going to run out and get a loan in all likelihood. The people that have access to capital are businesses that typically have millions or tens of millions of dollars of revenue or up. The average worker is not going to be touched by a drop in interest rates and the average small business probably won’t be either.
https://www.truthdig.com/articles/american-families-deserve-a-coronavi
rus-bailout-not-industries/
Twelve years ago, culpable banking and finance institutions that should have been reduced in size, power and wealth were given billions in taxpayer-funded black checks, while millions of innocent people lost their retirement savings and homes. Famously, only one top banker responsible for the crisis went to prison.
There are no clear villains in the current crisis, and we can’t imprison a virus to make an example of it. But we can make sure that ordinary people are the beneficiaries of government resources — which may be strained in ways not seen in recent memory — instead of privately held industries and their investors who have spent the last decade hiding profits to avoid taxes and inflating their share prices with stock buybacks.
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Do Right, Be Right. :)
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Quote:
Originally posted by 6IXSTRINGJACK:
You'll get nothing and like it!
If you could put your crap aside for a minute, thankx
Be helpful on this one or shut up.
That's fine for me, we got our tax return and aren't going to starve any time soon. Hubbs is still working for the moment, although that could change overnight, too.
One of the reasons we always pay in the max so we can get a large lump sum back so we can actually do something with it. Especially grateful for that this year...
But there are people being affected by this that will be completely devastated by it, and something will need to be done about it by the end of March, ideally.
There are students who don't have two nickles, people with health issues losing coverage and thus healthcare, people that just moved, or live in high rent areas....lots of people who NEED A BAILOUT.
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Maybe you could ask Wall Street. I hear they're getting another 1.5 Trillion Dollar bailout.
Do Right, Be Right. :)
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So I was talking to my old man last night and he told me they were considering a temporary UBI with several figures out there. Before posting here about it, I wanted to at least look online and see what I could find first.
https://www.marketplace.org/2020/03/17/covid-19-relief-direct-checks-a
nd-a-90-day-tax-extension/
https://www.fastcompany.com/90478515/government-looking-at-sending-che
cks-to-americans-in-the-next-two-weeks-for-covid-19-relief
I don't get the feeling that anybody who remains on these boards were anywhere close to the end of their rope, or would immediately be in financial turmoil if they had a temporary suspension of work due to this, but please do yourselves the favor of not counting on any money until checks are cut and cashed.
The stories I'm seeing are for $1,000 per adult citizen who makes under $1 Million per year, as well as a 90 day tax extension. (Don't delay your taxes if you're owed money, obviously, which I would think most of us were).
The other figure my old man said they were talking about was $4,500 per adult. I did not see that figure online this morning. I doubt very much that would ever happen in one lump sum anyhow, and this may have been mentioned as budgeting and planning to give up to that much per person over time if this all persists months down the line.
I would also advise, if possible, to anyone who it is applicable to continue to file unemployment claims even if your money is exhausted. If unemployment rates go low for an extended period of time there might also be an extension of those benefits at some point.
I know you can continue to file in Illinois and Wisconsin after benefits have expired, but you cannot do this in Indiana. I think JO is the only person currently on unemployment, but is a long way off from those benefits expiring. (You did file for that, right JO???? Now's the time to do it for sure if you haven't).
Do Right, Be Right. :)
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$4500 - no way. I wish but it's just too much.
$1000 - yes way. And no loans - that's just profiteering, gouging people when they're down.
Plus - I would add some kind of $ for rent or to renters to defray costs. If you're going to tell people to shelter in place, then they gotta have a home to shelter in place in.
We have the money - just write the damn checks. Screw Lydnsey Graham. "I don't want to send people money. I want to get their jobs back so they can earn it." How the flip you going to do that? Cure the virus yourself?
IF WE DON'T SEND CASH and this goes past a month, we will start to see a spike in some serious crime. People will get desperate if they're locked up without the hope for income. More people going outside, contacting others for "work"... it'll get ugly.
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The money haz been broken for a long time. No connection to productiv work.
The current situation iz going to get worse and with Trump on the job its likely to get way worse.
Remember that Bush did a 'throw money at them' stimulous. It worked short term kuz we needed stuff, but the crash happened eventually anyway.
----------------------------
DUZ XaT SEM RiT TQ YQ? - Jubal Early
http://www.7532020.com .
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Quote:
Originally posted by captaincrunch:
$4500 - no way. I wish but it's just too much.
$1000 - yes way. And no loans - that's just profiteering, gouging people when they're down.
Plus - I would add some kind of $ for rent or to renters to defray costs. If you're going to tell people to shelter in place, then they gotta have a home to shelter in place in.
Well... I think whatever the amount is, it's got to be the same for everyone. If you start doing that for renters, then what about people with mortgages? At some point you're extending it for everybody except for those who were the best with their money during the good times and penalizing them for making better decisions. Something which will most effect the elderly in the country.
We already have a lot of assistance in place for people who need more, and with the fortunate situation of it being tax time, there are a lot of people who are going to be getting large EIC checks for the amount of children in the homes. As long as programs like Food Stamps, SSI, SSDI, unemployment and TANF aren't suspended or facing any huge glitches, everybody should be able to make due for a month on $1,000 if they really evaluate their situation and pare down to necessities.
All I'm saying is that I see people every day who are "less fortunate" than I am who wear nicer clothes, drive nicer cars and have bluetooth devices in their ears.
Quote:
We have the money - just write the damn checks. Screw Lydnsey Graham. "I don't want to send people money. I want to get their jobs back so they can earn it." How the flip you going to do that? Cure the virus yourself?
IF WE DON'T SEND CASH and this goes past a month, we will start to see a spike in some serious crime. People will get desperate if they're locked up without the hope for income. More people going outside, contacting others for "work"... it'll get ugly.
I think you hit the nail on the head right here. With the cancelling of sports and the closing of movie theaters, bars, restaurants and such, you're already dealing with a situation where people in general have a lot more free time on their hands. Sure, they might not be spending as much on entertainment or gas for a while, but they're going to get bored and ancy. Idle hands, and all of that.
Mixing boredom along with not enough money in the hands of bored people with not enough money to put food on the table, or a table to eat at is a scenario that would get really ugly, really fast.
Something I wish the Government and Legacy Media would do right now is come up with a list of DO'S AND DONT'S for everyone who isn't a "prepper" or at least haven't lived with that mentality at some point in their life before this.
The panic buying is understandable, but by just looking at the grocery store this morning, people are buying all the wrong things. This is the second time in a week I've gone to buy milk and there wasn't any on the shelf even in the morning right when the store opened. If you want bread, you're out of luck. The frozen food section even was wiped out...
But there are a ton of canned goods still there. Jars of peanuts. Hell... even beef jerky.
Things that have a quick expiration date are all gone right now. Nobody's been able to buy paper towels and toilet paper for a week.
You've got people who are going to feel really sill when they're throwing out hundreds or even thousands of dollars of parishable goods when they expire, and who are loaded up now with 3-5 years worth of toiletries that they aren't going to need in the short term because the end of the world isn't coming and supply of that kind of stuff will catch up with demand in a week or two.
These are the types of things they really should be teaching kids about in school along with saving for the future. But since they haven't been teaching these good habits for decades now
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Oh... I would add that it is Census time. It probably varies state to state, but if you haven't already gotten a notice, you likely will very soon.
It's easy, and it takes no more than 5 to 10 minutes to complete it.
I would highly advise people to do this as quickly as possible. Although I've heard no such thing yet, I wouldn't be surprised if any temporary UBI benefits are held for "ransom" until you do. (If I were in charge of such things, that's exactly what I would do right now).
But be safe, and make sure that you're actually filling out any info at a legitimate website. There are likely to be a literal TON of scams regarding any Census stuff and any and all financial things in the near future.
Don't ever even consider filling out any information for the Census or other Government stuff if the web address doesn't end in ".gov".
If anybody is unsure of something and would like help verifying that something is legit or not, please feel free to let me know and I'll do what I can to assist.
Do Right, Be Right. :)
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Quote:
Originally posted by 6IXSTRINGJACK:
Well... I think whatever the amount is, it's got to be the same for everyone.
You're right. If we start down the path of trying to make it fit everyone just right for their situation (whether for rent or "xyz") then there will be more anger and finger pointing and hostility.
So it's easy: same for everyone and do it NOW. Glad we could solve this today. :)
And then put Rand f*cking Paul in a box for a month.
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Mnuchin wuz saying sumthing about ajusting it for income level and family size.
----------------------------
DUZ XaT SEM RiT TQ YQ? - Jubal Early
http://www.7532020.com .
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Yup. You're going to have problems if you do that.
Do Right, Be Right. :)
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https://www.nbcnews.com/politics/politics-news/needing-urgent-help-ame
ricans-await-answers-stimulus-n1163501
I think the most important question asked is this:
Quote:
Do you have to sign up for the payments? Is there a form? How will the government know where to send the money? What if I've recently moved?
These are all important and — for now — unanswered questions. The federal government would have addresses for people who paid taxes, earned income or received government payments last year. But those could be out of date, especially for renters or people without stable residences, who are likely in most need of financial help during the crisis.
It's also unclear whether any final package would involve traditional checks mailed to Americans or whether direct deposits into bank accounts would be an option.
I can't stress enough how important it is that you fill out your Census ASAP if this payment is at all important to you right now. I'm kind of shocked that they're still not saying that yet.
The Census alone will not have all the vital information as they do not ask for your SS# or direct deposit there, but they do ask for the names and ages of the people who reside in your home/apartment.
The quickest way to get this into people's hands would be to cross verify Census information with everyone's latest taxes (so do those too ASAP, if you're owed money of course). Your taxes have the SS# as well as your direct deposit information, or your mailing address if you don't do direct deposit.
This might not at all be the way they go about doing it in the end, but if they do go this route, you're only holding up the amount of time it takes to get you the relief money if you haven't done these two things.
It's probably not as critical if you haven't moved, haven't changed jobs, or haven't had any change in the people who live in your house and all of the information from last year's taxes more or less reflect your current situation.
But seriously, just in case they decide to hold any funds hostage until you do the Census, just take 5 minutes out of your day and fill it out now.
Do Right, Be Right. :)
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A bit of new info...
A bill still hasn't passed. Time is ticking for them to pass something if they're going to make the deadline they told everybody they were going to send the check out. It failed last night, but will be voted on again tomorrow. I'm going to keep politics out of it here, so you can read the article and see the ridiculousness for yourself if you want to.
https://www.nbcnews.com/politics/congress/top-democrats-say-they-re-no
t-yet-ready-sign-coronavirus-n1166021
Not sure what's more important though. Voting on this in time to cut those checks before the deadline, or before half or more of Congress is self-quarantining and unable to vote without being present. It appears that Rand Paul tested positive for it, and everybody was in the room with the guy.
(hmmmm.... isn't it strange that it's a guy who everyone knows his name? It could have literally been one of hundreds of other individuals who most Americans had never heard of before).
Anyhow...
Numbers posted in the article seem to be as follows:
$1,200 per adult that makes less than $75,000/year, phasing out until $0 at $99,000/year income.
$500 additional per child.
$600 per adult who doesn't have income and income tax, based off of income tax for 2018 (that was filled out and sent in during 2019).
Bernie wants to give flat $2,000 per person every month.
Other Democrats want to give $2,000 per person quarterly, diminishing based off of economic factors as it ramps down.
The plan is supposed to up Unemployment Benefits as well as Unemployment Eligibility.
(Again, JO, I hope you already filed for this, but if you haven't do it now... You're going to be on a waiting list already at this point, and it's only going to get longer).
My state currently has no info about it, but that's expected. Until I read this article today I had never heard anybody talking about this possibility although I had considered they might be doing it because of how many people will be unemployed compared to extensions that have been given out in the past.
They're not going to even mention the words Unemployment Extension here unless it actually happens. I know at this point that nobody here needs that, but if there is an extension I will be filing for it and I'll let you know if it still applies to somebody who exhausted their benefits prior, if they pay it back retroactively or start you anew, and how many hoops you need to jump through. Maybe that info could help somebody you know.
Do Right, Be Right. :)
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Quote:
Originally posted by 6IXSTRINGJACK:
(hmmmm.... isn't it strange that it's a guy who everyone knows his name? It could have literally been one of hundreds of other individuals who most Americans had never heard of before).
Um, he wasn't the first.
Mario Diaz-Balart, a Florida Republican, and Utah Democrat Ben McAdams announced they were in self-quarantine after testing positive for COVID-19.
https://www.cnbc.com/2020/03/19/coronavirus-tests-2-congressmen-positi
ve-others-quarantine.html
Trump couldn't be bothered to get his name right, and tweeted his support to Mario's BROTHER
https://www.foxnews.com/media/jose-diaz-balart-coronavirus-mario-presd
ient-trump
And Ben McAdams had to be hospitalized for it.
https://www.foxnews.com/politics/ben-mcadams-coronavirus-hospitalized-
breathing
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I hadn't heard of either of those.
I think people might think I'm bullshitting when I say I don't watch the Legacy Media. If they've been talking about it on Fox, I wouldn't have heard it there either. Outside of watching COVID numbers and the bailout proposals, I haven't listened to pretty much anything else the last week.
I wouldn't have even known Rand Paul got it if it wasn't in that article.
Why do you suppose they're making a big deal out of him having it if he's not the first?
Do Right, Be Right. :)
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Quote:Amen, brother.
Originally posted by JO753:
The money haz been broken for a long time. No connection to productiv work.
The current situation iz going to get worse and with Trump on the job its likely to get way worse.
Remember that Bush did a 'throw money at them' stimulous. It worked short term kuz we needed stuff, but the crash happened eventually anyway.
http://www.7532020.com .
And then Obama did another "throw money at them" stimulous, and ... it worked! And the Trump did ANOTHER "throw money at them" stimulous, and that worked too! Until about three weeks ago, that is.
The money situation here is so fucked, there's no way to reverse it. Trump would have to eliminate the Fed, take over the banks, and start lending government money for productive investments, like ... oh, say, respirator manufacturing and suchlike. The banks will never stand for that.
All we can do is keep going forward until we head over a cliff. It sucks.
-----------
Pity would be no more,
If we did not MAKE men poor - William Blake
#STAYTHEFUCKHOME
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Well.... Indiana just joined the list of states telling people to #STAYTHEFUCKHOME.
They even went so far as to say that State Law Enforcement will work with Local Law Enforcement to make sure you're staying the fuck home.
So, fuck 'em. I'm going to file for my extension of unemployment AND I'm going to apply for food stamps tomorrow.
Our leadership in this country is beyond fucked.
Do Right, Be Right. :)
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It looks like Trump has a Hobson's choice in front of him, and has decided to pick BOTH bad options!
Someone pointed out to him that our teetering tower of debt (personal, corporate, government, and especially financial) simpy CANNOT withstand a moment's pause in the churning, so he he's decided on The Everything Bailout. Boeing, which deserves to go belly up for its bad management, is asking for a bailout. Banks, hedge funds ... every overleveraged malinvestment is going to that great trash can in the sky ... The Fed balance sheet. Helicopter money for corporations and helicopter money for financiers and (a little) helicopter money for the people.
But knowing that it will all come crashing down, Trump in his infinite wisdom has ALSO decided that the lockdown is only going to last two weeks.
Jeez, what a douche.
The reason why we can't withstand a crisis has been in the works for decades ... NOT TRUMP'S FAULT, NOT THE REPUBICAN'S FAULT ALONE ... offshoring our jobs to Mexico and China (Thank you Bush1, Bill, Bush2, Obama) .... the ever-increasing reliance on "financialism" (ie debt and speculation) to drive our economy. (Same list of thank-yous, plus a special thank you to Trump for relying on the stock market for his re-election chances and goosing The Fed to blow the biggest Everything Bubble yet.)
JO posted that money is broken, there is no longer any connection to productive work, and - for the USA - he is 100% correct. TPTB over the decades have made it less and less possible to earn a decent living working a meaningful job, so what we have left is "benefits", McJobs, the "gig economy", and un/underemployment.
In one fell swoop, COVID-19 made it IMPOSSIBLE to earn a living requiring any sort of collective effort ... which is anything physical ... so now we have an economy balanced on this teetering tower of debt, where NO ENTITY has savings.
"Here lies a fallen god,
His fall was not a small one.
We did but build his pedestal,
A narrow and a tall one"
Not posting about Trump, but about our economy in general.
-----------
Pity would be no more,
If we did not MAKE men poor - William Blake
#STAYTHEFUCKHOME
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Quote:
Originally posted by 6IXSTRINGJACK:
I... HATE ALL MEDIA AND USE IT AS A JUSTIFICATION TO NOT KNOW ANY CURRENT EVENTS OR ANYTHING RELEVANT BECAUSE I BELIEVE I'M A GENIUS AND I COULD DO A BETTER JOB THAN EVERYONE ELSE ON THE WHOLE PLANET
FIFY
You are so PROUD of the fact that you won't be educated on anything. NOTIFY: Y | REPLY | REPLY WITH QUOTE | PERMALINK | TOP | HOME
lol
I see the last 24 hours has been great for your state of mind.
I guess our unwritten truce has come to an end.
Do Right, Be Right. :)
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I think you hate the media because you literally can't focus on it.
It's all so "BOOOOORING MOOOOOOMMY"....
And then you hang around a current events forum where you don't bother to learn any CURRENT EVENTS.
Hell, you could just skim the titles and learn enough to pass for informed, but you can't even do THAT. 
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You're the dumbest person talking to by far the smartest person left on these boards, save for possibly JO.
You're lucky you haven't short circuited your keyboard from drooling all over it, troglodyte.
Do Right, Be Right. :)
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Quote:I guess panic has brought out the real Jack.
Originally posted by 6IXSTRINGJACK:
You're the dumbest person talking to by far the smartest person left on these boards, save for possibly JO.
Do Right, Be Right. :)
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lol
You're the only one panicking here, dear-heart.
I'm 40 and in great health. I have everything I need and I don't give a shit if they ever pass the stimulus bill.
Do Right, Be Right. :)
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Quote:Yep. Jack's been panicking
Originally posted by 6IXSTRINGJACK:
lol
You're the only one panicking here, dear-heart.
I'm 40 and in great health. I have everything I need and I don't give a shit if they ever pass the stimulus bill.
Do Right, Be Right. :)
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How's that?
What exactly is there to fear?
You tell me, because I don't see anything.
Do Right, Be Right. :)
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Quote:
Originally posted by 6IXSTRINGJACK:
You're the dumbest person talking to by far the smartest person left on these boards
FIND ME ONE PERSON HERE WHO THINKS THAT!
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Quote:http://www.fireflyfans.net/mthread.aspx?bid=18&tid=63571
Originally posted by 6IXSTRINGJACK:
I'm 40 and in great health. I have everything I need and I don't give a shit if they ever pass the stimulus bill.
Do Right, Be Right. :)
Quote:Just pointing out that you're lying, again.
Originally posted by 6IXSTRINGJACK:
I probably already have it, dipshit. I've had a cold for the last week now.
Why don't you come up north so I can sneeze on you?
Do Right, Be Right. :)
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Quote:http://www.fireflyfans.net/mthread.aspx?bid=18&tid=63571
Originally posted by 1KIKI:Quote:
Originally posted by 6IXSTRINGJACK:
I'm 40 and in great health. I have everything I need and I don't give a shit if they ever pass the stimulus bill.
Do Right, Be Right. :)
Quote:Just pointing out that you're lying, again.
Originally posted by 6IXSTRINGJACK:
I probably already have it, dipshit. I've had a cold for the last week now.
Why don't you come up north so I can sneeze on you?
Do Right, Be Right. :)
It's not lying.
Anybody who gets a cold and thinks they're dying is an idiot.
I'm in great overall health, outside of a few sniffles. I might very well have COVID-19 right now and barely be feeling any effects from it.
I'll ask you again, why should I be scared?
My life isn't any different right now than it was 3 weeks ago, and I know it's extremely different for you right now, even if just by proxy through people you live with and care about in addition to all your panicking.
You're just salty that you're a lot closer to that "dangerous" age range and I'm not crying for you.
Do Right, Be Right. :)
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Quote:
Originally posted by 1KIKI:Quote:http://www.fireflyfans.net/mthread.aspx?bid=18&tid=63571
Originally posted by 6IXSTRINGJACK:
I'm 40 and in great health. I have everything I need and I don't give a shit if they ever pass the stimulus bill.
Do Right, Be Right. :)Quote:Just pointing out that you're lying, again.
Originally posted by 6IXSTRINGJACK:
I probably already have it, dipshit. I've had a cold for the last week now.
Why don't you come up north so I can sneeze on you?
Do Right, Be Right. :)
Quote:Just pointing out that you're lying, again.
Originally posted by 6IXSTRINGJACK:
It's not lying.
Anybody who gets a cold and thinks they're dying is an idiot.
I'm in great overall health, outside of a few sniffles. I might very well have COVID-19 right now and barely be feeling any effects from it.
I'll ask you again, why should I be scared?
My life isn't any different right now than it was 3 weeks ago, and I know it's extremely different for you right now, even if just by proxy through people you live with and care about in addition to all your panicking.
You're just salty that you're a lot closer to that "dangerous" age range and I'm not crying for you.
Do Right, Be Right. :)
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lol
Whatever you say, psycho.
How's the air over there?
Do Right, Be Right. :)
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Quote:Stop panicking, Jack.
Originally posted by 6IXSTRINGJACK:
lol
Whatever you say, psycho.
How's the air over there?
Do Right, Be Right. :)
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lol
Do Right, Be Right. :)
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Yep, in a panic-driven denial.
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I overcame serious alcoholism that nearly wrecked my body and my life.
Your little common cold doesn't scare me babe.
Do Right, Be Right. :)
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Well, the Senate passed it. Waitin' on da House now. Mebbe Friday, they say.
https://www.buzzfeednews.com/article/paulmcleod/senate-coronavirus-bil
l-pass-checks-americans
A tax credit of up to $10,000 for wages paid by businesses hit hard by the coronavirus, to incentivize keeping staff on the payroll.
More than $3 billion in emergency funding for child care.
Funding for states to immediately begin paying out unemployment benefits when someone is laid off.
Allowing employers (but not employees) to defer paying their share of social security tax on wages. That tax would have to be paid over the next two years.
A series of measures that expand telehealth services.
$100 billion for hospitals and health care providers.
A $150 billion relief fund for the states.
$16 billion to acquire ventilators and other medical equipment.
$4 billion for homeless assistance (though SNAP, the Supplemental Nutrition Assistance Program formerly known as food stamps, was not expanded in the bill).
Suspected details of the bill, but not known for sure..
Individuals who earn $75,000 or less would get direct payments of $1,200 each. Married couples with household income of up to $150,000 would receive $2,400 and an additional $500 per each child.
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I'm wondering who voted against it.
It was suspected this morning that it would be a unanimous vote, and that if it was it wouldn't need to go to the house.
Now it won't be voted on in the house until Friday... so another two days lost because of the hold outs. I haven't heard that there was any doubt it would pass the house and Trump already said he'd sign it, so it's just a formality at this point.
Pretty safe to assume it was some Democrats who voted against it. If it were Republicans you know that they would be naming them, but the new stories not only don't mention who voted against it but don't even bring up the fact that a unanimous vote would bypass the house anymore.
EDIT:
Nope.
It was "unanimous", but 4 Senators were not present due to self quarantine. I wonder if the earlier reports stating that this would bypass needing a house vote were just fake news, or if the fact that 4 of them didn't vote was the culprit.
Anybody have any idea who the 4 were? I think I read that Mitt Romney was hiding out.
Do Right, Be Right. :)
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Hey JO!
Seriously, buddy. File that unemployment.
https://www.nytimes.com/article/coronavirus-stimulus-package-questions
-answers.html (I pasted the entire part about Unemployment below)
I'm not sure how it will be done in Illinois yet, but I'm sure I'm going to be learning. My buddy asked me for help this weekend for his fiancee who is a bartender, and although I know my old man doesn't need help my step-mom is out of work now too, so I'm going to hear it from him too I'm sure. If you need any assistance, I can help you out with it.
Before the virus, Illinois had 26 weeks (1/2 year) at 47% of your previous average pay. (I'm sure this was calculated on something like the average of the first 4 of the last 5 quarters you worked there... but, even if you didn't work long enough to qualify under normal circumstances, the article below says that is being waived now and you would).
I don't know what you made, but just to make a point here let's say it was $10/hr. (I'm not being insulting with that number, but you did make it sound like it wasn't much of a job. You probably made more, especially living in Illinois, but $10 makes simple math).
$10 x 40/hr = $400 per week.
.47 x $400 = $188
So $188 would be your normal Weekly Benefit Amount, with $4,888 being your Maximum Benefit Amount (the full 26 weeks worth if you hadn't found a job).
Under the new program several things happen...
Each state, no matter how long their plan lasted gets an additional 13 weeks that the Federal Government is covering with the bill. So in Illinois it now goes up from 26 weeks to 39 weeks.
Now that would be $188 for 39 weeks for a Maximum Benefit Amount of $7,332.
But then, the Federal Government is offering an additional 4 Months of $600 on top of the regular payouts. So while that won't cover the full 39 weeks, it covers the first 16 of them.
So if you made $10/hr @ 40 hours a week, you'd be getting $788 per week for the first 16 weeks after your claim was processed and approved, and another $188 per week for the following 26 weeks for a maximum MBA of $16,932.
That's 14.11 times the amount of the Stimulus Check you're going to get that you're throwing away if you don't bother filing for unemployment because it's too much paperwork.
I dunno man. Sounds pretty good to me. That's more money than I've made in a year since 2009.
Let me know if you need any help and I'll see what I can do for you. I know the lines are bogged down and it's going to be hard for people to get assistance. At least it seems like they're trying to automate as much as they can online in Illinois like they've done in Indiana.
Quote:
Unemployment Benefits
Who would be covered by the expanded program?
The new bill would wrap in far more workers than are usually eligible for unemployment benefits, including self-employed people and part-time workers. The bottom-line: Those who are unemployed, partially unemployed or who cannot work for a wide variety of coronavirus-related reasons would be more likely to receive benefits.
How much would I receive?
It depends on your state.
Benefits would be expanded in a bid to replace the average worker’s paycheck, explained Andrew Stettner, a senior fellow at the Century Foundation, a public policy research group. The average worker earns about $1,000 a week, and unemployment benefits often replace roughly 40 to 45 percent of that. The expansion would pay an extra amount to fill the gap.
Under the plan, eligible workers would get an extra $600 per week on top of their state benefit. But some states are more generous than others. According to the Century Foundation, the maximum weekly benefit in Alabama is $265, but it’s $450 in California and $681 in New Jersey.
So let’s say a worker was making $1,100 per week in New York; she’d be eligible for the maximum state unemployment benefit of $435 per week. Under the new program, she gets an additionaNOTIFY: Y | REPLY | REPLY WITH QUOTE | PERMALINK | TOP | HOME
Probably not the best idea in the world for Rep Thomas Massie's re-election chances to try to quickly take the position of most hated person in America from Nancy Pelosi, but this selfie of previously stay-at-home Representatives on a plane flying to DC for a roll call vote that may or may not happen today maxed out my monthly schadenfreude quota.
Millions of workers are busting their asses keeping the country running while you rich folk are doing what rich folk always do in a conflict.
So you say you have to go to work today?
Boo Hoo.
Do Right, Be Right. :)
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lol
https://www.cnbc.com/2020/03/27/coronavirus-stimulus-package-updates-h
ouse-to-vote-on-relief-bill.html
Yup. I think Massie's toast after this one.
Do Right, Be Right. :)
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Oh... How about that...
https://www.nytimes.com/2020/03/27/us/politics/explainer-house-stimulu
s-bill.html
Looks like AOC wants to go down in a blaze of glory too since it was already clear that she wasn't going to be re-elected.
Funny how some media outlets point that out while others don't. I wouldn't have expected the NYT of all publications to do it, but then again it is New York, and even though far lefties all across America love her, New York hates her.
Quote:
If too few lawmakers are in Washington on Friday, Speaker Nancy Pelosi would have to summon members back, putting off a vote until later Friday or Saturday.
You'd better do it now, Nancypants.
And to any representative who isn't either already in DC or sitting on a plane right now smiling for fake selfies for their Instagram followers, you better get ready to pack your bags, because sitting this bill out at home in luxury while not even bothering to vote on something that millions of people who vote for you is going to be the best anti-you-negative-campaign-ad-fodder that anybody who ever challenged an incumbent in the history of the country ever had.
Do Right, Be Right. :)
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Quote:JO,what SIX said.
Originally posted by 6IXSTRINGJACK:
Hey JO!
Seriously, buddy. File that unemployment.
https://www.nytimes.com/article/coronavirus-stimulus-package-questions
-answers.html (I pasted the entire part about Unemployment below)
I'm not sure how it will be done in Illinois yet, but I'm sure I'm going to be learning. My buddy asked me for help this weekend for his fiancee who is a bartender, and although I know my old man doesn't need help my step-mom is out of work now too, so I'm going to hear it from him too I'm sure. If you need any assistance, I can help you out with it.
Before the virus, Illinois had 26 weeks (1/2 year) at 47% of your previous average pay. (I'm sure this was calculated on something like the average of the first 4 of the last 5 quarters you worked there... but, even if you didn't work long enough to qualify under normal circumstances, the article below says that is being waived now and you would).
I don't know what you made, but just to make a point here let's say it was $10/hr. (I'm not being insulting with that number, but you did make it sound like it wasn't much of a job. You probably made more, especially living in Illinois, but $10 makes simple math).
$10 x 40/hr = $400 per week.
.47 x $400 = $188
So $188 would be your normal Weekly Benefit Amount, with $4,888 being your Maximum Benefit Amount (the full 26 weeks worth if you hadn't found a job).
Under the new program several things happen...
Each state, no matter how long their plan lasted gets an additional 13 weeks that the Federal Government is covering with the bill. So in Illinois it now goes up from 26 weeks to 39 weeks.
Now that would be $188 for 39 weeks for a Maximum Benefit Amount of $7,332.
But then, the Federal Government is offering an additional 4 Months of $600 on top of the regular payouts. So while that won't cover the full 39 weeks, it covers the first 16 of them.
So if you made $10/hr @ 40 hours a week, you'd be getting $788 per week for the first 16 weeks after your claim was processed and approved, and another $188 per week for the following 26 weeks for a maximum MBA of $16,932.
That's 14.11 times the amount of the Stimulus Check you're going to get that you're throwing away if you don't bother filing for unemployment because it's too much paperwork.
I dunno man. Sounds pretty good to me. That's more money than I've made in a year since 2009.
Let me know if you need any help and I'll see what I can do for you. I know the lines are bogged down and it's going to be hard for people to get assistance. At least it seems like they're trying to automate as much as they can online in Illinois like they've done in Indiana.
-----------
Pity would be no more,
If we did not MAKE men poor - William Blake
#STAYTHEFUCKHOME
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Don't you just LOVE the sham reporting at CNN.
The bill passed, but look at their headline:
House passes historic $2 trillion stimulus despite objections from GOP lawmaker
https://www.cnn.com/2020/03/27/politics/coronavirus-stimulus-house-vot
e/index.html
It's not mentioned until paragraph 13 that Trump gave him a Pelosi/Schumer style roasting on Twitter for it yesterday, along with a call to to his 75 Million followers to boot him out of office next election.
Quote:
Trump sharply criticized the congressman on Friday, saying in a pair of tweets that he "just wants the publicity" and should be thrown out of the Republican party.
"Looks like a third rate Grandstander named @RepThomasMassie, a Congressman from, unfortunately, a truly GREAT State, Kentucky, wants to vote against the new Save Our Workers Bill in Congress. He just wants the publicity. He can't stop it, only delay, which is both dangerous & costly," Trump tweeted.
"Workers & small businesses need money now in order to survive. Virus wasn't their fault. It is "HELL" dealing with the Dems, had to give up some stupid things in order to get the "big picture" done. 90% GREAT! WIN BACK HOUSE, but throw Massie out of Republican Party!," the President said.
AOC who was just as loud about threatening making a roll call isn't even mentioned until Paragraph 22:
Quote:
Democratic Rep. Alexandria Ocasio-Cortez of New York told CNN on Wednesday that she might force a recorded vote, but the congresswoman ultimately did not, despite her criticism of the bill.
"But I think this bill has a lot of problems with it. And I'm extraordinary concerned about what Mitch McConnell has done," she said ahead of the vote. "I've had more constituents call concerned about this bill than in support of it. It's a very hard day. It's a very, very hard day for this body."
Nobody gives a shit what you think, Cortez. If you actually had a spine, you'd stand up for what you believe in, instead of letting the Republican from Kentucky get all the negative press. Your behavior here sounds an AWFUL LOT like Second's attitude when he says "I won't be voting for Trump, but you'll make me very happy when you do because I will get even more money."
Funny... The only reason that the roll call wasn't necessary in the 11th hour was because they couldn't get a second person to Second the motion. What happened, Baby-cakes?
You are so toast in November, Cortez. Pack your bags. The last of your 15 minutes ended today, and in a grand display of selling out your "principals" in cowardice on the national stage is how you spent it.
Fucking CNN. Seriously can we downgrade them to garbage tier media along with The Enquirer and OK Magazine now?
And at the end of the day, it all worked out great. The bill got passed, and at least 216 of these horrible politicians we have running our country had to get off their asses and go to work. Somehow magically making it with time to spare, "braving" empty planes, and promoting how "awesome" they are on their Twitter accounts.
Gross. Every single thing about this is gross.
Might as well take whatever money you can since this is the beginning of a lot of financial pain for pretty much everyone in the world.
Sign up for that unemployment, JO.
And, seeing as how I'm among a very small segment of people around here who share anything about their actual lives, it only occurs to me now that others here might be out of work because of the COVID thing.
I can't be in front of you and see your screens, or do the work for you, but if you do have any questions that you can't get answers to, I will try to do my best to help out with my own knowledge and/or my GoogleFu.
Don't anybody pass up that unemployment if you qualify for it.
Do Right, Be Right. :)
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This is an old article I posted, but recently got an update (since it's on the first page search with "last hour" selected).
I'm not sure what the update was, but I did want to point out something specifically that was in there from the last time I looked at this article and give my thoughts on it.
Quote:
We don't know how long it would take the IRS to send out all the money, but it would likely take weeks before the first payments start going out.
Treasury Secretary Steven Mnuchin said on Wednesday that the IRS would begin issuing payments within three weeks of the legislation being signed into law. The bill simply calls for payments to be made "as rapidly as possible."
But experts say it could take longer. In 2001, it took six weeks for the IRS to start sending out rebate checks under a new tax cut, and in 2008, it took three months after a stimulus package was signed into law.
Once again, I need to stress that CNN is just (wisely) covering their own asses here with this entire statement. They have nothing to gain as far as agendas or their own politics to entice them to lie about this, so they're erring on the side of caution and not "writing checks their asses can't cash" here.
Surely, do not expect the checks to hit your bank account on April 6th, like they were all reporting early last week. That time has come and gone because it took so long to get the bill passed.
But I think Mnuchin is also protecting his own ass here by saying "the IRS would begin issuing payments within three weeks of the legislation being signed into law". too.
I worked in this sector before. Nearly 13 years ago now, and even then they were set up to make these types of transactions nearly instantaneously. One of the big holdups when it comes to sending any money online is verifying the legitimacy of such transactions. Credit card companies, banks and processors or whoever they get involved should have very little oversight or ability to delay any of this, as the information and funds are coming straight from the Federal Government.
All we have to really worry about is somebody fucking up the massive list of people, addresses, ss#s, and bank information. (They probably will do that, and this database probably will be hacked at some point... so yay!)
Even though it took this long for the legislation to pass, they all knew that it would in some form or another, so nobody was sleeping on this and waiting on figuring out how to quickly implement it when it did pass.
I could be wrong, and don't roast me if I am, but I'm going to say that if you filed electronically on your taxes for the last 3 years and you put your bank account number and routing info on there that you will get those stimulus checks on or before the April 6th deadline that they were talking about before. In fact, even if you still send the taxes in the mail but you elect for the direct deposit, that probably won't slow down your payments at all.
The "3 weeks" stuff is for people who need to have the checks mailed out to them because they don't have any recent banking information in the system (ie: Taxes for 2018 or 2019).
I've also worked in print houses and with the postal service before. Even with automated machines, you still need quite a few workers on staff and the process of direct mail isn't fully automated. When we're talking about national mailers with potentially millions of people being recipients, that isn't going to happen overnight.
Likely, I expect them to save time by using the same checks that they print tax returns on, rather than spend time re-designing a new one, having them sent to the print shops and delivered to the address printing/sorting facilities before making it to the post office.
Oh... and if you get SSI or SSDI, they already have your info on record as well and that should be easy to get your (smaller) payout. It seems that my earlier warnings to fill in your census
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I think that in addition to people getting money directly, the government should put a halt on the collection of all loans for at least two months, and put a halt on rent collection for two months. People who own rentals wouldn't have to pay their mortgages so ... no rent required. No mortgage payments for homeowners. No student loan payments, no car payments, no credit card payments. No evictions, no defaults, no repossessions.
Also, a halt on the issuance of NEW credit except credit card debt (since most people pay by card, not cash).
Just have the lenders (banks, finance companies etc) eat the payments for two months.
The banks are getting ginormous bailouts from The Fed because of all of the unwise lending they did for M&As, stock buybacks, hedge funds etc. I think they should pass on those bailouts to the average person.
-----------
Pity would be no more,
If we did not MAKE men poor - William Blake
#STAYTHEFUCKHOME
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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. It's hard enough for a lot of them to get their tenants to pay on time in good times.
State governments aren't about to eat the property taxes either. Not such a huge deal if you're renting out in states like Indiana, huge deal if you're renting in Illinois. The property my friend owns that he rents out there probably costs more per month in property taxes than I've ever paid somebody per month for an apartment lease. Even if he didn't have to pay the mortgage, he'd still have a very large monthly share of state property taxes piling up while his renters were living there rent free (renters who were already extreme hoarders and were destroying his house with the hoarding and the vermin they had living under literal tons of shit they don't need in the basement without him being aware of it until spring of last year).
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.
I dunno. There isn't an easy solution to any of this. That's going to become crystal clear when this bailout bill they recently passed finally gets in full swing.
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.
Do Right, Be Right. :)
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Not much new in the unemployment realm to report. Nobody seems to really know any more than they did Friday. A lot more should come to light this week though.
The one thing that I did see is that I can confirm that in Indiana they will not even be asking you for 3 job searches per week. That in itself is a huge change because unlike a lot of other states that just tell you to keep a weekly record of your job searches that may or may not ever be requested from you, Indiana requires you to file every single work search for every single week you make a claim or else it gets rejected. I would venture a guess that if Indiana is taking this stance, then chances are wherever you live the work search will also be waived until the stay at home orders are lifted.
I haven't personally seen this to be the case in Illinois, but I have it from a trusted source that the same applies there as well.
Still no word in either state how they're handling people who were already unemployed and had exhausted their benefits. Anything in the news referring to this on a national level says that it will be extended by 13 weeks and that you get the $600 for 4 months from the Federal payout, but as of this time not only isn't there any mention of this extension on the Indiana site, but they specifically say that currently there is no extension and it remains at only 26 weeks. It is unclear at this time if this is just old information that hasn't been updated, and is particularly confusing since the same documentation references the Coronavirus stay at home order.
My guess is that this document was made late on Thursday or early on Friday before anything was signed into law and it hasn't been updated yet to reflect the new information.
The big question for those who had already exhausted benefits would be the discrepancy in 13 weeks for the extension and 4 months for the $600 additional payment. (With 4 months being at least 16 weeks, but more likely 17 weeks). The question being would the recipient only get the $600 for the 13 extended weeks, or would they still get it for the final 3-4 weeks even after the extended state benefits are exhausted?
If I find out more, I'll post it here.
DID YOU APPLY YET, JO?
How about you, Wishy? Haven't heard if you're still working or not.
I know they're super bogged down here and it's hard to get anybody on the phone. They've already made the request that nobody call about any COVID related stuff period, and started only taking calls and emails from individuals based off of their last names on specific days.
If you need to file, now would be the time to do it. Illinois has had far more new claims than Indiana so far, and they're only letting certain people even apply on certain days because they're having trouble keeping the website online since so many people are going to it. Make sure you and/or your husband get your claim in there before something like that happens here.
And just in case you're not already aware of it, you can make a claim if you're still working but your hours have been reduced. As long as your circumstances are such to get you approved for the minimum weekly state payout, you would be getting the additional $600/wk. for the first 4 months once approved.
You might as well take your share of the booty since the economy is fucked now and inflation is going to take another big bite out of all of our asses soon.
Do Right, Be Right. :)
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https://www.wdrb.com/news/coronavirus/treasury-secretary-says-american
s-can-expect-stimulus-checks-to-be/article_9317ede4-71e3-11ea-a5dc-affa6cbf057b.html
Looks like there will be a website if you don't get your direct deposit. They're saying it will be made in the next three weeks. It will likely be a lot sooner than that, but nobody wants to be in the position of making promises they can't keep.
Quote:
Mnuchin told reporters at the White House that there will be a web-based application for those who don't receive direct deposit. He also had a message for small businesses: "Go back and hire your workers because the government is paying you to do that."
Unclear about what that last part meant. It's easy to just make a blanket statement telling small business owners to put their employees back to work, but I don't think at this point anybody has even really defined what "essential" business is.
Don't expect anything to make any sense this week.
Do Right, Be Right. :)
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Quote: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.
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.
Quote: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
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.
Quote: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 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.
Do Right, Be Right. :)
-----------
Pity would be no more,
If we did not MAKE men poor - William Blake
#STAYTHEFUCKHOME
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Quote:
Originally posted by SIGNYM:Quote: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.
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.
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: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
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.
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: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 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.
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
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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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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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Quote: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.
SIX:If the banks are eating it with the bailout money, sure...
Quote: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
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
Quote:So, is his work deemed "essential" that he stil has to report to work every day?
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.
Quote:In my ideal solution, "mortgage" would not be an issue for two months. The bank would forgive him that money
He's stuck in a position where keeping pigs like that in his place is a better alternative than getting stuck with the mortgage
Quote:In my ideal solution, property taxes would be forgiven for two months
and property taxes that are through the roof
Quote: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.
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:Even more of a reason not to collect 2months of property taxes.
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.
Quote: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
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.
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", theirNOTIFY: Y | REPLY | REPLY WITH QUOTE | PERMALINK | TOP | HOME
Quote:
Originally posted by SIGNYM:Quote: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.
SIX:If the banks are eating it with the bailout money, sure...
Yup. It would never happen.
Quote: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
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
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:So, is his work deemed "essential" that he stil has to report to work every day?
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.
Yup. He's a banker. Not exactly sure what his title is or what he does. It sounds really boring.
Quote:In my ideal solution, "mortgage" would not be an issue for two months. The bank would forgive him that money
He's stuck in a position where keeping pigs like that in his place is a better alternative than getting stuck with the mortgage
Quote:In my ideal solution, property taxes would be forgiven for two months
and property taxes that are through the roof
Okay.
Quote: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.
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 get it. I'm just saying that they're not going to happen. Especially in Democrat shithole I
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Quote:Why would I NOT be delighted with pallets of cash?
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.
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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Quote:And you can thank Nancy Pelosi while you're at it! (But I know you won't.)
SECONDRATE: Why would I NOT be delighted with pallets of cash?
-----------
Pity would be no more,
If we did not MAKE men poor - William Blake
#STAYTHEFUCKHOME
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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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T 
Deep state describes dedicated, educated professionals. 
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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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Quote:
Originally posted by SIGNYM:Quote:And you can thank Nancy Pelosi while you're at it! (But I know you won't.)
SECONDRATE: Why would I NOT be delighted with pallets of cash?
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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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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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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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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Show me the money! Actual taxes, specifically.
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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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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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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
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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: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).
2019: $2,776.27
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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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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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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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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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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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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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 twelvNOTIFY: Y | REPLY | REPLY WITH QUOTE | PERMALINK | TOP | HOME
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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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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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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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 y
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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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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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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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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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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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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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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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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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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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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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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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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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Quote: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
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.
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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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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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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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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Russia, USA and sales of
War...
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