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NeonJonny
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Fri Mar 20, 2020 12:41 am

Long time no post. Just came to see what everyone else is dealing with.
My financeé is staying at home as the courts are closed. I'm still going to work and enjoying the lack of traffic. 3 day work week ftw. I heard about Redding though. I guess a pump station backed up and flooded streets because someone used clothing to wipe. Knock it off. Use TP or your hands, people. :poop:

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Zillon
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Fri Mar 20, 2020 1:42 am

NeonJonny wrote:
Fri Mar 20, 2020 12:41 am
Long time no post. Just came to see what everyone else is dealing with.
My financeé is staying at home as the courts are closed. I'm still going to work and enjoying the lack of traffic. 3 day work week ftw. I heard about Redding though. I guess a pump station backed up and flooded streets because someone used clothing to wipe. Knock it off. Use TP or your hands, people. :poop:
Bidet futures are increasing, that’s the move.
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Bender wrote:Lulz you don't respect science. You respect fake science that validates your pre-existing opinions.

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NeonJonny
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Fri Mar 20, 2020 1:48 am

Zillon wrote:
Fri Mar 20, 2020 1:42 am
NeonJonny wrote:
Fri Mar 20, 2020 12:41 am
Long time no post. Just came to see what everyone else is dealing with.
My financeé is staying at home as the courts are closed. I'm still going to work and enjoying the lack of traffic. 3 day work week ftw. I heard about Redding though. I guess a pump station backed up and flooded streets because someone used clothing to wipe. Knock it off. Use TP or your hands, people. :poop:
Bidet futures are increasing, that’s the move.
I did see that being discussed. We haven't seen anything "extra" coming in at the front of the plant. Yet.

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Zillon
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Fri Mar 20, 2020 10:16 am

NeonJonny wrote:
Fri Mar 20, 2020 1:48 am
Zillon wrote:
Fri Mar 20, 2020 1:42 am


Bidet futures are increasing, that’s the move.
I did see that being discussed. We haven't seen anything "extra" coming in at the front of the plant. Yet.
Towels?
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Bender wrote:Lulz you don't respect science. You respect fake science that validates your pre-existing opinions.

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Tarspin
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Fri Mar 20, 2020 12:11 pm

We have the option to freeze mortgage payments. Going to do that, emailed the first bank and waiting response, the second one has online interface so I'm on cue. 23 min wait.

The deal is that the interest accumulates at its usual rate but the monthly payments are deferred for 6 to 12 months.

Look into it if cash flow is a concern.

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max225
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Fri Mar 20, 2020 1:24 pm

Tarspin wrote:
Fri Mar 20, 2020 12:11 pm
We have the option to freeze mortgage payments. Going to do that, emailed the first bank and waiting response, the second one has online interface so I'm on cue. 23 min wait.

The deal is that the interest accumulates at its usual rate but the monthly payments are deferred for 6 to 12 months.

Look into it if cash flow is a concern.
Is cash flow already a concern?

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Zillon
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Fri Mar 20, 2020 1:35 pm

I'm being laid off as a result of this. Yay?
Zildor the Magificent
Garage: 2019 Trailcock | 2006 :jizz: rocket
Bender wrote:Lulz you don't respect science. You respect fake science that validates your pre-existing opinions.

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max225
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Fri Mar 20, 2020 2:19 pm

Zillon wrote:
Fri Mar 20, 2020 1:35 pm
I'm being laid off as a result of this. Yay?
Omg already ?

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Zillon
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Fri Mar 20, 2020 2:43 pm

max225 wrote:
Fri Mar 20, 2020 2:19 pm
Zillon wrote:
Fri Mar 20, 2020 1:35 pm
I'm being laid off as a result of this. Yay?
Omg already ?
Trickle up economy, brah.

We normally do 110-130 cars in a good March. We've got 39 cars out with 9 selling days left, assuming we don't go under full lockdown.

Company is looking to reduce payroll expenses until this blows over. I'm in a role of redundancy - we're not selling cars, we're not dealer trading cars, and we have no business essentially. We're doing about 2 cars per week.
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Bender wrote:Lulz you don't respect science. You respect fake science that validates your pre-existing opinions.

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max225
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Fri Mar 20, 2020 2:59 pm

Zillon wrote:
Fri Mar 20, 2020 2:43 pm
max225 wrote:
Fri Mar 20, 2020 2:19 pm


Omg already ?
Trickle up economy, brah.

We normally do 110-130 cars in a good March. We've got 39 cars out with 9 selling days left, assuming we don't go under full lockdown.

Company is looking to reduce payroll expenses until this blows over. I'm in a role of redundancy - we're not selling cars, we're not dealer trading cars, and we have no business essentially. We're doing about 2 cars per week.
Well you’ll get that trump cash at least 🥴

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Zillon
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Fri Mar 20, 2020 3:01 pm

max225 wrote:
Fri Mar 20, 2020 2:59 pm
Zillon wrote:
Fri Mar 20, 2020 2:43 pm


Trickle up economy, brah.

We normally do 110-130 cars in a good March. We've got 39 cars out with 9 selling days left, assuming we don't go under full lockdown.

Company is looking to reduce payroll expenses until this blows over. I'm in a role of redundancy - we're not selling cars, we're not dealer trading cars, and we have no business essentially. We're doing about 2 cars per week.
Well you’ll get that trump cash at least 🥴
:troywax:

Trump bucks!
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Bender wrote:Lulz you don't respect science. You respect fake science that validates your pre-existing opinions.

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Tarspin
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Fri Mar 20, 2020 5:23 pm

max225 wrote:
Fri Mar 20, 2020 1:24 pm
Tarspin wrote:
Fri Mar 20, 2020 12:11 pm
We have the option to freeze mortgage payments. Going to do that, emailed the first bank and waiting response, the second one has online interface so I'm on cue. 23 min wait.

The deal is that the interest accumulates at its usual rate but the monthly payments are deferred for 6 to 12 months.

Look into it if cash flow is a concern.
Is cash flow already a concern?
No but cash preservation needs to be considered before cash flow becomes a concern. It doesn't take long with two properties, two small kids etc. I'm putting numerous countermeasures in place where I can. I didn't get the info i was looking for today unfortunately and need to use a specific email address for questions of this nature.

My goal is to pay the interest and freeze principal payments or lower them. Curious to see what options I have without harming my equity.

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RLWake
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Fri Mar 20, 2020 5:30 pm

Zillon wrote:
Fri Mar 20, 2020 1:35 pm
I'm being laid off as a result of this. Yay?
:wtf: :angrypanda:
Temporary 60/90-day kind of lay off?
Or that’s it?


I might be getting evicted from my housing because UCF wants as many people removed from campus as possible. And Orange County (FL) just put in a curfew.

I’m not stressed aaaatt aaallll.
I build sciencey shit that goes into space and hopefully works the first time
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max225
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Fri Mar 20, 2020 5:34 pm

RLWake wrote:
Fri Mar 20, 2020 5:30 pm
Zillon wrote:
Fri Mar 20, 2020 1:35 pm
I'm being laid off as a result of this. Yay?
:wtf: :angrypanda:
Temporary 60/90-day kind of lay off?
Or that’s it?


I might be getting evicted from my housing because UCF wants as many people removed from campus as possible. And Orange County (FL) just put in a curfew.

I’m not stressed aaaatt aaallll.
Why exactly would you get evicted ? That requires non payment for months

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RLWake
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Fri Mar 20, 2020 5:39 pm

max225 wrote:
Fri Mar 20, 2020 5:34 pm
RLWake wrote:
Fri Mar 20, 2020 5:30 pm


:wtf: :angrypanda:
Temporary 60/90-day kind of lay off?
Or that’s it?


I might be getting evicted from my housing because UCF wants as many people removed from campus as possible. And Orange County (FL) just put in a curfew.

I’m not stressed aaaatt aaallll.
Why exactly would you get evicted ? That requires non payment for months
Oh, I’m completely up-to-date on payments. They’re just invoking some clause they put into our contracts that they have the right to terminate our lease and evict us. They just want everyone gone from campus. I’m appealing for an exception as soon as the form is made for it.
I build sciencey shit that goes into space and hopefully works the first time
Drives: :meata:

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wap
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Fri Mar 20, 2020 6:26 pm

Whelp, our governor just locked the state down for the next 12 business days, through 4/7. Many questions still to be answered regarding paying the hourly guys, and how the salaried employees will be paid, whether it'll be counted as vacation or :wat:
This going to put hundreds, if not thousands of small companies - many of our customers - out of business, and will be a massive financial strain on us. :(
:wap: Where are these mangos?

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Irish
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Fri Mar 20, 2020 6:42 pm

wap wrote:
Fri Mar 20, 2020 6:26 pm
Whelp, our governor just locked the state down for the next 12 business days, through 4/7. Many questions still to be answered regarding paying the hourly guys, and how the salaried employees will be paid, whether it'll be counted as vacation or :wat:
This going to put hundreds, if not thousands of small companies - many of our customers - out of business, and will be a massive financial strain on us. :(
Welcome to the apocalypse.....

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max225
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Fri Mar 20, 2020 6:49 pm

wap wrote:
Fri Mar 20, 2020 6:26 pm
Whelp, our governor just locked the state down for the next 12 business days, through 4/7. Many questions still to be answered regarding paying the hourly guys, and how the salaried employees will be paid, whether it'll be counted as vacation or :wat:
This going to put hundreds, if not thousands of small companies - many of our customers - out of business, and will be a massive financial strain on us. :(
Solid week and 1/2 behind us.... but yea epic shit show here

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max225
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Fri Mar 20, 2020 6:50 pm

RLWake wrote:
Fri Mar 20, 2020 5:39 pm
max225 wrote:
Fri Mar 20, 2020 5:34 pm

Why exactly would you get evicted ? That requires non payment for months
Oh, I’m completely up-to-date on payments. They’re just invoking some clause they put into our contracts that they have the right to terminate our lease and evict us. They just want everyone gone from campus. I’m appealing for an exception as soon as the form is made for it.
Call local tv stations and complain I’m serious they can’t possibly kick you out during a pandemic when payments are up to date :wtf: makes 0 sense

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wap
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Fri Mar 20, 2020 6:54 pm

Irish wrote:
Fri Mar 20, 2020 6:42 pm
wap wrote:
Fri Mar 20, 2020 6:26 pm
Whelp, our governor just locked the state down for the next 12 business days, through 4/7. Many questions still to be answered regarding paying the hourly guys, and how the salaried employees will be paid, whether it'll be counted as vacation or :wat:
This going to put hundreds, if not thousands of small companies - many of our customers - out of business, and will be a massive financial strain on us. :(
Welcome to the apocalypse.....
Yep. :angry:
:wap: Where are these mangos?

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Irish
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Fri Mar 20, 2020 6:57 pm

Image

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Tarspin
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Fri Mar 20, 2020 7:21 pm

What's everyone's opinion on credit card debt? Pay it off or throw min payments at it until next month?

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CaleDeRoo
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Fri Mar 20, 2020 7:37 pm

Tarspin wrote:
Fri Mar 20, 2020 7:21 pm
What's everyone's opinion on credit card debt? Pay it off or throw min payments at it until next month?
I know I'm :wrong: but since I started keeping a small balance on my statement dates my score had gone up 20 points. I used to pay down completely every week and I thought I was "stuck" in the mid 7's for over two years for reasons unknown.

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MexicanYarisTK
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Fri Mar 20, 2020 7:52 pm

Tarspin wrote:
Fri Mar 20, 2020 7:21 pm
What's everyone's opinion on credit card debt? Pay it off or throw min payments at it until next month?
For me it is theoretically pay off the balance that you owe, but that's just me. But I'm also told to keep the 70% limit, say your limit is $1,000 and the balance that you owe is $700, if you continuously don't exceed that, your score won't go down. Basically if you're maxed out and good enough to only pay minimum payment continuously for a few months, it will bring your score down. I've been through that ishh at one point.
I'm a nephew of a :plac:
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Bender wrote:
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Oh I love Maryland

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Tarspin
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Fri Mar 20, 2020 8:06 pm

MexicanYarisTK wrote:
Fri Mar 20, 2020 7:52 pm
Tarspin wrote:
Fri Mar 20, 2020 7:21 pm
What's everyone's opinion on credit card debt? Pay it off or throw min payments at it until next month?
For me it is theoretically pay off the balance that you owe, but that's just me. But I'm also told to keep the 70% limit, say your limit is $1,000 and the balance that you owe is $700, if you continuously don't exceed that, your score won't go down. Basically if you're maxed out and good enough to only pay minimum payment continuously for a few months, it will bring your score down. I've been through that ishh at one point.
My wife booked all the kids summer camps, and after school programs on her CC last month. We have the cash to pay it off in full and are still getting paid. Do we put a big dent into our loose cash and pay it off of pay the $10 min. Her card is at 70% maxed out, mine is at 25% maxed.

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