So...How's the "government shutdown" treating you? - Page 4 - Nissan Frontier Forum
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#31 (permalink) Old 10-04-2013, 09:25 AM
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#32 (permalink) Old 10-04-2013, 12:01 PM
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"It doesn’t matter whether it’s drugs, bodies, or how large the group is, our agents are being ordered to stand down by Border Patrol management,” said Moran. "I have received reports from our agents in every single sector from San Diego to the Rio Grande Valley in Texas that they are receiving these orders."
Exclusive--Border Patrol Rep Claims Agents Being Ordered to Stand Down

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#33 (permalink) Old 10-04-2013, 06:34 PM
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My mom is one of the furloughed govt employees. Today I have given her $2,000 to pay bills and keep from losing her home. Pretty much just drained my savings completely for emergencies but that's what family is for. Tomorrow she is going to start a hardship withdraw against her 401K to keep afloat. There are 41,000 Government employees and 80,000 government contractors here in missouri without pay. This is going to kill the economy and foreclosures are going to go thru the roof. She was telling me that she contacted her mortgage company to see what programs they had to help, and their response was make sure the payment is made on time if not get a lawyer and we will begin the foreclosure process. What kind of bullsh!t is that! I got her to the point were she is safe for the next two weeks for now. Hope this doesn't go too much longer.
it takes more than being late on one payment to end up in foreclosure unless she has some sort of shady mortgage. the person she talked to lied to her to try and force her to make a payment.

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#34 (permalink) Old 10-04-2013, 06:42 PM
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it takes more than being late on one payment to end up in foreclosure unless she has some sort of shady mortgage. the person she talked to lied to her to try and force her to make a payment.
Her and i both know this, the rep was a complete a-hole. Mortgage company is Wells Fargo, which sucks a$s just like bank of America. IMO Wells and BoA are the worst banks in the US. I never go thru them for anything. It was more than likely just a threat. I work for a bank myself, so i am fully aware of the foreclosure process and what it takes.

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#35 (permalink) Old 10-04-2013, 06:52 PM
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But there are enough park rangers on duty to stake out this entrance to the Pisgah Inn.

inn-1.jpg - Washington Times

This is not a shutdown, it's a shakedown.

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#36 (permalink) Old 10-04-2013, 07:03 PM
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Her and i both know this, the rep was a complete a-hole. Mortgage company is Wells Fargo, which sucks a$s just like bank of America. IMO Wells and BoA are the worst banks in the US. I never go thru them for anything. It was more than likely just a threat. I work for a bank myself, so i am fully aware of the foreclosure process and what it takes.
Have you ever heard of Ocwen? They have a F rating by the BBB for something like 1500 unresolved complaints.

We have Ocwen. They paid our insurance late, then demanded we send them proof of insurance. They try to get your private isurance cancelled so that they can sign you up with an affiliate company that charges 2x and gives them a kickback.

If we had a real government companies like that would have been shut down or punished for fraud. But our existing government is so corrupted by the revolving door between regulator and regulated they have lost nearly all ability to function.

I'm sorry for folks who are missing a paycheck, but events like this are a prime example of why it's more important to have a rainy day fund than an HDTV, a nice car or an exotic vacation. Even your mortgage payment should be a commitment you take on with trepidation. A leaky roof could cost $5k - $10k a new furnace is $2,500. Home ownership can be full of nasty surprises.

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#37 (permalink) Old 10-04-2013, 07:16 PM
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I had a 2,000 reserve fund for emergencies, most big things like the roof is covered by insurance. furnace is something that can be financed. most of the US doesn't have 2,000 or 100 for that matter sitting around. its hard to save money with the cost of living going up and no one giving raises. The beginning of this year i got a 1% raise and my health insurance went up. that 1% didn't even cover that. My mother normally has money saved away but some health issues changed that recently. Her and i both normally have 2-3 months of income saved away.

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#38 (permalink) Old 10-04-2013, 07:46 PM
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My mother normally has money saved away but some health issues changed that recently. Her and i both normally have 2-3 months of income saved away.
I wasn't trying to slam your mom, I don't know her situation.

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The beginning of this year i got a 1% raise and my health insurance went up. that 1% didn't even cover that.
Yup, my health insurance has been eating every raise I got for the last several years (many of which had pay freezes). It's one thing if you don't have any choice, but so many people with no savings have chosen their way into the situation, maybe bit by bit, maybe all at once.

This is a sore spot for me because in the process of buying our house several years ago I tried to convince my wife to be extra cautious because the trends were clear that other living expenses were going to consume an ever growing % of our household budget. I didn't want to get stuck in an unmanageable mortgage. It caused quite a bit of marital strife to keep us in an affordable house. Heat, food and medical bills are taking a much larger chunk of our income than before. If I hadn't been such a "stick in the mud" back then we'd be hurting a lot more now.

A significant fraction of my extended family has maneuvered themselves into tenuous financial situations. Some dropped out of school, others just borrowed their way into it. Much of the financial "advise" you get on TV is bunk.

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#39 (permalink) Old 10-04-2013, 08:47 PM
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I wasn't trying to slam your mom, I don't know her situation.



Yup, my health insurance has been eating every raise I got for the last several years (many of which had pay freezes). It's one thing if you don't have any choice, but so many people with no savings have chosen their way into the situation, maybe bit by bit, maybe all at once.

This is a sore spot for me because in the process of buying our house several years ago I tried to convince my wife to be extra cautious because the trends were clear that other living expenses were going to consume an ever growing % of our household budget. I didn't want to get stuck in an unmanageable mortgage. It caused quite a bit of marital strife to keep us in an affordable house. Heat, food and medical bills are taking a much larger chunk of our income than before. If I hadn't been such a "stick in the mud" back then we'd be hurting a lot more now.

A significant fraction of my extended family has maneuvered themselves into tenuous financial situations. Some dropped out of school, others just borrowed their way into it. Much of the financial "advise" you get on TV is bunk.
I know you weren't. I just got myself a house in Aug 2012. I purchased it thru a first time home buyers program the state has. got my closing and down payment pretty much paid for. I purchased a short sale home and a pretty much new home (7 years old now) for about 50k under value. Mortgage is only 70 bucks more than my rent at the time and the utilities are cheaper. I am actually spending less on housing now and its ALL mine.

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#40 (permalink) Old 10-04-2013, 08:54 PM
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... National Park Service closes historic farm it hasn't supported since 1980 ...

Oh, the humanity! <g>

Headlines scream that the NPS is losing $450K/Day in lost entry fees. What isn't being reported is that taxpayers are spending 2,500 times that amount each day on interest payments on Federal debt. Nor have I read anything about NPS mission creep, where sites like Horseshoe Curve and Scranton's Steamtown (both in PA) have been on the receiving end of over $70,000,000 in funds to build and staff parks that weren't needed and in the case of Horseshoe Curve, screwed up a nice simple property that was far more attractive beforehand.

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