Financial Crisis

Mikey · Post by **Mikey** » Thu Dec 04, 2008 3:30 pm

Anybody on this board been laid off (or even laid) in the past 6 months or so?
Foreclosed?
Know anybody who has?

Statistically, it seems like somebody here - at least one - must have gotten fucked over by the worst financial crisis in the past three millenia or whatever.

If so, then please step forward. We want to hear about it. Maybe we can come together and put together a bailout or something.

Screw_Michigan · Post by **Screw_Michigan** » Thu Dec 04, 2008 3:34 pm

I lost my job in Landover on 10/24/08 after working there for almost 90 days. Maybe I'll go into later if I have time. I have a new job now that is going well, thankfully.

Mikey · Post by **Mikey** » Thu Dec 04, 2008 3:36 pm

90 days isn't all that long. I once quit a job (that I had moved from Henderson, NV to San Diego to take) after about 90 days because the atmosphere there sucked.

Goober McTuber · Post by **Goober McTuber** » Thu Dec 04, 2008 3:44 pm

Screw_Michigan wrote:I lost my job in Landover on 10/24/08 after working there for almost 90 days. Maybe I'll go into later if I have time. I have a new job now that is going well, thankfully.

Unwar “the world needs ditch diggers too” not working out for you. Rack the fact that “the world needs jizz-moppers too” did.

Screw_Michigan · Post by **Screw_Michigan** » Thu Dec 04, 2008 4:23 pm

Goober McTuber wrote:
Screw_Michigan wrote:I lost my job in Landover on 10/24/08 after working there for almost 90 days. Maybe I'll go into later if I have time. I have a new job now that is going well, thankfully.
Unwar “the world needs ditch diggers too” not working out for you. Rack the fact that “the world needs jizz-moppers too” did.

No doubt. I'm making probably about five figures more than you right now because jobs out here pay a little more than $11.75/hr you're making at Home Depot, so BODE motherfuckin' ME, dicklick.

Goober McTuber · Post by **Goober McTuber** » Thu Dec 04, 2008 4:30 pm

Screw_Michigan wrote:
Goober McTuber wrote:
Screw_Michigan wrote:I lost my job in Landover on 10/24/08 after working there for almost 90 days. Maybe I'll go into later if I have time. I have a new job now that is going well, thankfully.
Unwar “the world needs ditch diggers too” not working out for you. Rack the fact that “the world needs jizz-moppers too” did.
No doubt. I'm making probably about five figures more than you right now because jobs out here pay a little more than $11.75/hr you're making at Home Depot, so BODE motherfuckin' ME, dicklick.

Holy Christ! What are they paying jizz-moppers out there?

BTW, I’m a computer programmer, and a damn good one. My cost of living here in God’s Country is much less than that shit hole you’re stuck in. You can only dream about BODE, you shit-eating tard.

Screw_Michigan · Post by **Screw_Michigan** » Thu Dec 04, 2008 4:33 pm

Copy and pasting HTML tags isn't computer programming, but however you wanna gussy up your job is fine with me, cow-tipper.

Eat shit and die in a trash compactor, tard.

Wolfman · Post by **Wolfman** » Thu Dec 04, 2008 4:46 pm

Bought our place here in 2001 --15 year mortgage at a fixed rate of 6.625%. I actually got a job in August working as the science lab technician for biology, chemistry, and physics labs at Edison State College in Fort Myers.
People that made bad choices got stuck. I'm guessing that most here chose wisely.

Goober McTuber · Post by **Goober McTuber** » Thu Dec 04, 2008 4:49 pm

Screw_Michigan wrote:Copy and pasting HTML tags isn't computer programming, but however you wanna gussy up your job is fine with me, cow-tipper.

Eat shit and die in a trash compactor, tard.

I’m a main-frame programmer, you chode-chugging chucklehead. Meanwhile, you’re sleeping on someone’s couch, working temp jobs. Nice gig you got, loser.

Screw_Michigan · Post by **Screw_Michigan** » Thu Dec 04, 2008 4:51 pm

Goober McTuber wrote:
Screw_Michigan wrote:Copy and pasting HTML tags isn't computer programming, but however you wanna gussy up your job is fine with me, cow-tipper.

Eat shit and die in a trash compactor, tard.
I’m a main-frame programmer, you chode-chugging chucklehead. Meanwhile, you’re sleeping on someone’s couch, working temp jobs. Nice gig you got, loser.

Nope and nope. Stick to being worked by Jerknic, it's about all your good at.

Mikey · Post by **Mikey** » Thu Dec 04, 2008 5:00 pm

I'm about ready to lay off one of our clients. They're really starting to PISS ME OFF.

Mister Bushice · Post by **Mister Bushice** » Thu Dec 04, 2008 5:23 pm

No probs for me, except real estate values being in the shitter I haven't lost a property. Own my own business, which is fairly recession proof.

Not sure about depression proof, though.

Goober McTuber · Post by **Goober McTuber** » Thu Dec 04, 2008 5:24 pm

Screw_Michigan wrote:
Goober McTuber wrote:
Screw_Michigan wrote:Copy and pasting HTML tags isn't computer programming, but however you wanna gussy up your job is fine with me, cow-tipper.

Eat shit and die in a trash compactor, tard.
I’m a main-frame programmer, you chode-chugging chucklehead. Meanwhile, you’re sleeping on someone’s couch, working temp jobs. Nice gig you got, loser.
Nope and nope.

Let’s see, you’ve been at your current job for a little over a month. Previous job was 90 days. Yep, temp worker. Continue sucking dick for beer money and looking for new shitty bands to listen to.

Screw_Michigan · Post by **Screw_Michigan** » Thu Dec 04, 2008 5:46 pm

Goober McTuber wrote:Let’s see, you’ve been at your current job for a little over a month. Previous job was 90 days. Yep, temp worker. Continue sucking dick for beer money and looking for new shitty bands to listen to.

Just because you're in the bedpan changing equivalent of computer work, I'll help you straighten things out. My last job wasn't a temp gig. Unfortunately, my employer (owner of which is one of the 10 wealthiest guys in metro DC), overreacted when the credit crunch hit and started laying out people left and right. I was unemployed for about three weeks before I lined up a job with another company I had interviewed with before I took the job with the company that let me go.

Next time, make sure you get that ring in the toilet bowl, rimjob.

Goober McTuber · Post by **Goober McTuber** » Thu Dec 04, 2008 6:44 pm

Screw_Michigan wrote:My last job wasn't a temp gig. Unfortunately, my employer (owner of which is one of the 10 wealthiest guys in metro DC), overreacted when the credit crunch hit and started laying out people left and right. I was unemployed for about three weeks before I lined up a job with another company I had interviewed with before I took the job with the company that let me go.

I’m sure your current employer will come to his senses as well, ass-munch. Jizz-moppers are a dime a dozen, he might as well find one who has decent taste in music.

Goober McTuber · Post by **Goober McTuber** » Thu Dec 04, 2008 6:46 pm

Papa Willie wrote:Goober and Screw_Michigan are being hostile towards each other.

Nonsense. I’m just trying to get an ill-mannered puppy to heel.

PSUFAN · Post by **PSUFAN** » Thu Dec 04, 2008 6:52 pm

Hold on a sec.

Eat shit and die in a trash compactor, tard.

bwahahaha

indyfrisco · Post by **indyfrisco** » Thu Dec 04, 2008 6:56 pm

Mister Bushice wrote:No probs for me, except real estate values being in the shitter I haven't lost a property.

Thanks to real estate values dropping, I was able to get a house for about 250k less than what it was built for. In all honest, I would not mind if the values stayed where they are so my taxes decrease. 12k/year in property taxes in rural Indiana sucks ass.

PSUFAN · Post by **PSUFAN** » Thu Dec 04, 2008 6:57 pm

Jimi Hendrix Christmas - 12k a year? That's a lot. I hope that house can turn into a robot.

Derron · Post by **Derron** » Thu Dec 04, 2008 6:59 pm

Papa Willie wrote:Goober and Screw_Michigan are being hostile towards each other.

Maybe so..but you do have to rack the jizz mopper reset.

And the fact that the Michigan homeboy has not been able to really justify any type of meaningful career type work.

Derron · Post by **Derron** » Thu Dec 04, 2008 7:01 pm

IndyFrisco wrote:
Mister Bushice wrote:No probs for me, except real estate values being in the shitter I haven't lost a property.
Thanks to real estate values dropping, I was able to get a house for about 250k less than what it was built for. In all honest, I would not mind if the values stayed where they are so my taxes decrease. 12k/year in property taxes in rural Indiana sucks ass.

Yeah that 12K in property taxes a year probably would have been a deal killer for most sensible people.

So when the market goes back up so do the property taxes ?

Dinsdale · Post by **Dinsdale** » Thu Dec 04, 2008 7:02 pm

mvscal wrote:
Goober McTuber wrote:Meanwhile, you’re sleeping on someone’s couch, working temp jobs. Nice gig you got, loser.
At least he's not AP...yet.

He's about three bad guitar licks and one click of the shutter away from giving hannies to YK down I-80.

Derron · Post by **Derron** » Thu Dec 04, 2008 7:03 pm

Screw_Michigan wrote:
I was unemployed for about three weeks before I lined up a job with another company I had interviewed with before I took the job with the company that let me go.

More like a "sloppy seconds" blast to me.

indyfrisco · Post by **indyfrisco** » Thu Dec 04, 2008 7:16 pm

Derron wrote:
IndyFrisco wrote:
Mister Bushice wrote:No probs for me, except real estate values being in the shitter I haven't lost a property.
Thanks to real estate values dropping, I was able to get a house for about 250k less than what it was built for. In all honest, I would not mind if the values stayed where they are so my taxes decrease. 12k/year in property taxes in rural Indiana sucks ass.
Yeah that 12K in property taxes a year probably would have been a deal killer for most sensible people.

So when the market goes back up so do the property taxes ?

The state laws in Indiana are changing for property taxes. Any house in the price range I bought would have ridiculous taxes right now. Next year, it is going into effect that taxes cannot be more than 1% the value of the home. For homes bought within the last 5 years, that value will be the the price you paid for it. So, when the real estate market goes up, home values will be re-evaluated based upon comps. As it stands, come next year, I will be paying very low taxes. That's why I would not want real estate values to go up. This is my home for life.

Goober McTuber · Post by **Goober McTuber** » Thu Dec 04, 2008 7:16 pm

PSUFAN wrote:Hold on a sec.

Eat shit and die in a trash compactor, tard.
bwahahaha

No shit.

Dinsdale · Post by **Dinsdale** » Thu Dec 04, 2008 7:28 pm

IndyFrisco wrote:The state laws in Indiana are changing for property taxes. Any house in the price range I bought would have ridiculous taxes right now. Next year, it is going into effect that taxes cannot be more than 1% the value of the home. For homes bought within the last 5 years, that value will be the the price you paid for it. So, when the real estate market goes up, home values will be re-evaluated based upon comps. As it stands, come next year, I will be paying very low taxes. That's why I would not want real estate values to go up. This is my home for life.

BWAHAHAHAHAHAHA!!!!!!

Oh, did I mention...

BWAHAHAHAHAHAHA!!!!!!

I'm guessing the Indiana tax assessor-types are on the phone with the Oregon Department of Revenue right now, figuring all the ways they're going to find loopholes to fuck you.

Oregon has been there, done that...

http://en.wikipedia.org/wiki/Oregon_Bal ... e_5_(1990)

And you'll never guess what happened...

Go ahead and take a big ol' guess at what they did to everyone's assessed tax value on their property... go ahead, take a guess.

Put it this way -- a friend's family owned a house on the beach, that they were paying taxes on 120K value... assessment went to $420K the very next year.

When The Man decides he's taking your money, voters' will be damned -- they're taking it.

Screw_Michigan · Post by **Screw_Michigan** » Thu Dec 04, 2008 7:36 pm

Goober McTuber wrote:
Papa Willie wrote:Goober and Screw_Michigan are being hostile towards each other.
Nonsense. I’m just trying to get an ill-mannered puppy to heel.

No, you're just exceptionally performing in the manner of team nutsack: riding the jock of others in an attempt to prop up your own pathetically pitiful existance. You'd be better off unfucking your head from your ass and figuring out how your life never progressed past the stage 90% of native Wisconsinites reach: Getting the fuck out of that manure rich state.

indyfrisco · Post by **indyfrisco** » Thu Dec 04, 2008 7:37 pm

Dins,

Everyone's property taxes jumped 40-80% (depending on your county) last year. Caused a major uproar so to speak in the state. Guess they figured we wouldn't notice. In any case, they refunded a large portion of the increase to many people. What basically happened was that they decreased property taxes from businesses and gave the burden to the residents. Don't knwo what in the hell they were thinking.

Because of this whole mess, they are instituting the policy I stated before. Regardless, I can swing the 12k if it stays that way. I didn't buy the property with the expectation that taxes would go down. Just hopes. And there's no way the assessed value of my home will go up3-4 times its current assessed value. I live in a small town in Southern Indiana. It may go up a bit due to some additions we plan to make, but nothing that will force us to move out.

Screw_Michigan · Post by **Screw_Michigan** » Thu Dec 04, 2008 7:41 pm

Derron wrote:And the fact that the Michigan homeboy has not been able to really justify any type of meaningful career type work.

I don't have to justify anything to a shit-eating dumbfuck like yourself nor anyone else on this god-forsaken board.

Derron · Post by **Derron** » Thu Dec 04, 2008 7:43 pm

IndyFrisco wrote:Dins,

Everyone's property taxes jumped 40-80% (depending on your county) last year.

Bwwaahaaa..get any lube with that dry fucking ?? Oregon law limits tax increase to 3% per year max. My taxes have not been changed since 1986. Chalk that up to no building permits for any improvements.And to my letting the assessor hunt ducks on my property for free.

Regardless, I can swing the 12k if it stays that way.

Yep... 12K a year in property taxes fits right into my personal finance plans. Fucking brilliant move.

Derron · Post by **Derron** » Thu Dec 04, 2008 7:44 pm

Screw_Michigan wrote:
Derron wrote:And the fact that the Michigan homeboy has not been able to really justify any type of meaningful career type work.
I don't have to justify anything to a shit-eating dumbfuck like yourself nor anyone else on this god-forsaken board.

Because you actually have to have a real job, besides sucking cock on the street corner for $ 5.00 per swallow.

Go ahead and commit cyber suicide now and unplug your computer boy wonder.

Derron · Post by **Derron** » Thu Dec 04, 2008 7:47 pm

Dinsdale wrote:

BWAHAHAHAHAHAHA!!!!!!

Oh, did I mention...

BWAHAHAHAHAHAHA!!!!!!

I'm guessing the Indiana tax assessor-types are on the phone with the Oregon Department of Revenue right now, figuring all the ways they're going to find loopholes to fuck you.

Oregon has been there, done that...

http://en.wikipedia.org/wiki/Oregon_Bal ... e_5_(1990)

And you'll never guess what happened...

Go ahead and take a big ol' guess at what they did to everyone's assessed tax value on their property... go ahead, take a guess.

Put it this way -- a friend's family owned a house on the beach, that they were paying taxes on 120K value... assessment went to $420K the very next year.

That would be unless you are in farm deferral ..where your taxes are veeerrrryyy low since we farm a qualifying portion of the property and make the qualifying amount your taxes are about $ 1,200 a year on a $ 500,000 property.

Bwaaahaaa...!!!

Rack the fuck out of farm deferral.

indyfrisco · Post by **indyfrisco** » Thu Dec 04, 2008 7:51 pm

Derron wrote:
Regardless, I can swing the 12k if it stays that way.
Yep... 12K a year in property taxes fits right into my personal finance plans. Fucking brilliant move.

Dude, I wasn't "surprised" by it. I knew it going in. I could have stayed in my smaller home with no yard paying less in taxes, but I prefer a larger/nicer home and yard. I think I know my finances and what I can/can't afford a little better than you. In the 10 years since I graduated college, I've never had any debt besides a mortgage. I may know what I'm doing. Just because I'm rooting for a little extra cash in my bank vs. the tax man's pockets doesn't mean I NEED it to keep my home. Hell, the taxes here are MUCH less than I was paying living in Dallas. My home I just moved out of I was paying 2k in taxes. In Dallas, we had a similar home and were paying 4.5k.

Mikey · Post by **Mikey** » Thu Dec 04, 2008 7:57 pm

LOL.

California the "high tax" state.

Bought my house for $300K in 1999. Taxes were ~1% of assessed value.
Put in a pool in 2001 assessed value went up to $360K. Taxes were ~1% of assessed value.

Since then the value has gone up to (allegedly) almost $900K and now back down to who knows where.
Taxes are still 1% of $360K.

RACK Prop 13 (I think).
Of course our schools have gone into the shitter.

indyfrisco · Post by **indyfrisco** » Thu Dec 04, 2008 8:02 pm

Mikey,

That 1% of assessed cost formula they use there is basically what we will be getting next year. My whole point I made earlier. Some have chosen to ignore it.

Dinsdale · Post by **Dinsdale** » Thu Dec 04, 2008 8:06 pm

And my whole point is that without a cap on tax value increases (like was enacted here a few years after the bastards started pulling shenanigans with values), that "1%" doesn't actually mean shit.

Don't get me wrong, I wish you nothing but the best out of the deal... but derron and I have witnessed this firsthand... never underestimate the greed of a bureaucracy.

Dinsdale · Post by **Dinsdale** » Thu Dec 04, 2008 8:26 pm

But to hell with this financial stuff...

Rumor has it S_M douches out jackshacks for a living...

Any truth to that?

Goober McTuber · Post by **Goober McTuber** » Thu Dec 04, 2008 8:27 pm

Screw_Michigan wrote:
Goober McTuber wrote:
Papa Willie wrote:Goober and Screw_Michigan are being hostile towards each other.
Nonsense. I’m just trying to get an ill-mannered puppy to heel.
No, you're just exceptionally performing in the manner of team nutsack: riding the jock of others in an attempt to prop up your own pathetically pitiful existance.

I believe you’re confused. As usual. I started smacking you about your pimpled face, then others such as mvscal and Derron chimed in. Just a little pile-on, no way comparable to Team Nutsack.

BTW, pre-emptive congratulations on your new job which should be starting in late January. Assuming you consider regular plasma donation for money a “job”.

Goober McTuber · Post by **Goober McTuber** » Thu Dec 04, 2008 8:36 pm

BTW, the deal around here is that assessed value cannot exceed 100% of market value (it typically runs around 95%), and they do look at comparable recent property sales to help determine market value. So for the first time in memory, my assessment remained the same, as did many others. I fully expect an increase to the mill rate, something we have not seen in many, many moons.

To coin a phrase: When The Man decides he's taking your money, voters' will be damned -- they're taking it.

Derron · Post by **Derron** » Thu Dec 04, 2008 9:00 pm

IndyFrisco wrote:
Derron wrote:
Regardless, I can swing the 12k if it stays that way.
Yep... 12K a year in property taxes fits right into my personal finance plans. Fucking brilliant move.
Dude, I wasn't "surprised" by it. I knew it going in. I could have stayed in my smaller home with no yard paying less in taxes, but I prefer a larger/nicer home and yard. I think I know my finances and what I can/can't afford a little better than you. In the 10 years since I graduated college, I've never had any debt besides a mortgage. I may know what I'm doing. Just because I'm rooting for a little extra cash in my bank vs. the tax man's pockets doesn't mean I NEED it to keep my home. Hell, the taxes here are MUCH less than I was paying living in Dallas. My home I just moved out of I was paying 2k in taxes. In Dallas, we had a similar home and were paying 4.5k.

OK just for the hell of it here...and your right..you know your situation better....and given the fact your doing a very good thing with no debt.. I too am personally debt free except for the mortgage..and my business will be debt free in early 2010...or sooner

I still cannot understand why you would pay those high taxes...those have to be 50% or more of your mortgage payment...and that goes for Dallas, or any of those other high tax areas....you simply cannot get enough government services to justify that...if you did get a sweet deal....great....I mean there are people in million dollar homes here paying less than 5K a year in property taxes....