Just got laid off

Bigger paycheck means proportionately larger bills, but I dont expect you to understand that really.

Living rent free in mommy's basement is the norm for your type dude. Easy to save

Why cant you get a real job paying more than 20 bucks an hour? Too much of a cunt to get along with anyone?

Anyway, I'll let you get ready for you pizza delivery job. Slinging pizza takes real responsibility!

LoL

I can’t sell or rent because the ex refuses too. I would have to clean this shit hole and sign it over so she could get a lower I interest rate in exchange for low child support. I was hoping to do just that at the end of this season so I could get an apartment and move on with my life but looks like I’m stuck here while she dates another man.

Nobody cares

Be sure to apply for unemployment immediately. $1,200 from gov due April 6th.

Cool story

Sell the house, or get some roommates to cover the mortgage
Just saw she wont let you sell,or rent, but you can get a roommate or several. Offer your services to the community as a handyman. Esp older people and single women. Do you have a college degree? Think about tutoring esp math/science. Get a county background check to work with kids...do this while your credit is good

Think about downsizing into an RV?

Last Edited by Dodger007 on 03/25/2020 01:16 PM

Check out T&T Marine Salvage. They are based out of Galveston and normally work out of there. I don’t know if they hire for hydrographic survey but they use them. And I don’t know if they are hiring right now or hiring contractors especially with this virus thing.

Suzanne is the HR lady for our department and she is really nice. I am not sure she handles Salvage HR though

But they got a massive contract to salvage a car carrier that had ran aground in Georgia. Also, they had a pretty big job out in Aransas refloating barges that were pushed on shore during a past hurricane for Kirby that I was a big part of. I work in a different department than Salvage but work with them often.

I don’t think the virus is stopping or slowing business for them. If anything they are making more money. I don’t think the virus is going to stop us

The oil field is dead and I don’t think it’s ever coming back this time unfortunately. There is too much oil on land that is more accessible. It is very costly and difficult to drill in the ocean

That's the bottom line!

8 an hour?

I wouldnt waste my time getting out of bed for that, lol

I would go get unemployment or use PTO if I was OP

Call mortgage company defer payments

Call credit cards

If you have quicken loans I know for a fact that you can just go online l, click the help button, it gives you an option that underneath a banner that says coronovirus, click it say you lost work or hours, admit will automatically give you a 3 month deferment. With option to extend after the 3 months if need be

My brother did this a couple days ago

Won't be grabbin any bread or potatoes in socialist line, will ya snowflake?

The car carrier job has not even started yet. They bought a boat for it and it hasn’t left like it was supposed to. They might be contracting out right now and then will be more involved. I don’t know I haven’t been out there on the job site because I opted out of the project (told them I’d rather not go)

You'll get the stimulus money!

You are an ass hole.

For what it’s worth, I work in the financial industry and maintain regular contact with many large investors, banks, etc. All institutional players, as well as FHFA and the related agencies. My forte is commercial real estate, including Multifamily, so while not directly related to the single family markets, these are many of the people that make decisions about these things.

Understand, EVERYONE is taking a deep breath over this, and ALL are keenly aware of the impact. As such, plans are unfolding by the hour on how best to deal with the fallout, but I can safely say that workouts are very much forthcoming from almost all. Some creditors might give you more grief than others (initially), but most are prepared to forbear mortgage payments or offer other assistance until this crisis abates, and likely beyond as people tries to get their feet back under them. The stimulus package for “millionaires and billionaires” is precisely focused on that premise, and the benefits received by those folks will be passed along to you to the extent possible. This is how some will keep their jobs, and others will keep a roof over their heads, but just know that practically EVERYONE is in the same boat here.

The best thing you can do, as others have mentioned, is to reach out to your bank or other creditors, and inform them of the situation. They will work with you. Also know that if push comes to shove, and some idiot bank or creditor attempts to sue or foreclose during this time, not a court in the country will side with them (assuming that you are truly in dire straights, which will be the case with most).

So, take a deep breath too, reach out to your creditors if you can, preserve your cash, but take care of your families first and foremost. This too shall pass, and everyone will get back on their feet after this storm.

In the meantime, spend your energy researching the various government assistance programs that are just now rolling out, and use what you need to/what’s available. Also, work toward a subsistence mindset. Seeds are cheap and available right now, and this is the time to plant. Hell, we can’t do too much else, so think and research along those lines. In many locations, some of the stuff growing in your backyard is edible. If you live in a neighborhood HOA, begin working with others to plan as if this thing will last longer than we all know. If you have open space, I’m betting others would be willing to help plant it. If this passes soon enough, you get a great garden of home grown veggies while getting to know your neighbors. If this becomes a new normal, you learn to survive.

In short, you will not lose your house over this, nor will you be evicted (generally becoming illegal now anyway), so take that stress off your table at least, and focus on yourself and your family.

[link to www.USE_FULL_LINKwww.businessinsider.com (secure)]

I’m guessing this is that project

Not sure if this is correct, but I heard on the news today the relief package has added an extra $600 a week on unemployment. That is $2400 a month extra and there is all your expenses and then some. Then the regular unemployment and the $1200 check.

Sure sounds to puffy and high for unemployment.

Last Edited by Texas Best on 03/25/2020 01:15 PM

[link to www.USE_FULL_LINKwww.businessinsider.com (secure)]

Sorry won’t let me link to it

Just search google - Georgia car carrier capsized or ran aground something like that. I was going to link you to some news stories

Go sack groceries at HEB ya loser

OP no please don't. Seek God, call upon him there are others who have it worse

It's been dying for a long time and I knew it was and shame on Me for not preparing. I just had a job making damn good money like 22k a month so I was living the dream I guess. I wasn't the big spender that was the EX but I always saved as much as I could so I was always prepared for long periods of no work. It's just this year everything in My life exploded in My face and I've been barely keeping it together since September and now this lay off really sucks because I was hoping to start work soon so I could do like a 7 month hitch to solve all my problems.

Hope this happens to all the douchebags judging this guy (like the one above)

Learn to sack

That is not funny in any way.Bad kharma.

I have a fucking problem with your statement. First, you don’t know his situation. You assume he bought too much house. You didn’t consider that he could have just had cancer or been in a contentious divorce or any other things that can cause someone to get into financial distress. Maybe hie has a sick child. You don’t know. The other thing is that there are a lot of people who bust their asses in school and/or working and expect a salary or wage commensurate with their experience or education. I’ll work for $8/hr if I need to in order to survive, but my first job out of grad school 20 years ago was as an IT security contractor and I earned $75/hr in a small town in Kansas with an incredibly low cost of living. My rate is obviously much higher 20 years later - I personally won’t touch anything under $200/hr now. I know how this guy feels. He can earn $8/hr but he feels like his life is over because there’s absolutely no lifestyle that $8/hr can support other than being homeless.

No it's 1/4 of the regular unemployment. As far as the 1200 I won't get any of that because I had a good year in 2018. The fucked up thing about unemployment is yeah i'll make 2600 a month but I have to call 3 employers a week. As of right now there is zero work in the gulf and either people are laying off like crazy or they are hiring people to get ready for the work to start. If I call the people laying off then I'm good because they will just say no they are not hiring but if I call the ones that are staffing up then I'm back to making 1100 a month retainer with zero work. It will be worse trying to look for a job because nothing pays worth a damn in this shit town.

Hang in there, tough times make the good times sweeter. It all goes in cycles.

Story of your life man. I dont lie.