All Forum Posts by: Tom Makinen

Agreed.  I remember when I tried to buy another house in 2014.  I had a 750 credit score, low income to debt ratio and 25% down.  I was still automatically denied under the normal guidelines.  Luckily my local cu had a portfolio loan available 

You should pay back the llc in cash and not do it again.  It defeats the purpose of having one if you are using it as another bank

Good luck getting them off, I had to threaten to sue them before I got a credit inquiry removed.

When the market tank in 2009, I had to take a mortgage modification.  I was never late, but that ended up preventing me from buying a house for 5 or 7 years with conventional loans.  I had to use other ways.

Wow you trying to kill your tenants?  Look at what happened in FL when they started using Chinese sheetrocks.

Waveapp is free

@Bryan Beal  Do you truly think life will go on as usual when there is a raging virus running through the community?  Who is going to an NBA game?  How profitable will the game be when 2000 people show up?  How much is the fixed cost of keeping a casino going when most people are staying at home.  You think restaurants will continue to get the same business?  To make matters worse, once your employees get sick, you have to pay for their sick time.  You think a small business can support paying all the sick hours to their employees before STD or LTD kicks in?  They will learn it is cheaper to furlough them than to keep working for a lot of them.  As a big business, who is going to assume the liability of their employees dropping left and right?  You don't notice food processing plants are closing? 

I haven't even gotten into how contiguous the virus is.  The average carrier will spread it to at least 1+ person and they can do it without symptoms.  Also don't forget the law of exponential growth kicks in too.  If we hadn't done this in March, how much higher would the infected and death count be?  There are only so many hospital space and resources too, do you think about that?  

Of course I understand this is bad for the economy, I laid off my employee (I still pay her something).  I am supporting my mom who is laid off and I am not getting rental income.  You don't think I want people to go back?  Yet I know going back to early will simply be waste of time for a lot of people, they will just end up getting sick and we are going to prolong this.  We can certainly open the economy in sections, but at least give people some masks and people have to use it!

You might not want people to die, but what you want to do will certainly lead to more people dying.  It's a fact.  You can dispute what the death rate is, but every area will have their victims.  Even 0.5% is 100K people in LA, this is in 2-3 months.  Add the fact that if you overwhelm the hospital, you are going to have more people dying because they cant get certain treatments.  Have you also read the side effects of people who didn't die?  I don't know about you, I don't want to catch it.  
  

And no, this is not political because I hate the left and the right equally.  I can name the talking points from both teams.  I am just sick of getting trapped and people doing things to prolong it.

You obviously don’t understand the problem of this disease and the issue of silent carriers.  You might feel fine today but you could be infected and passing it onto others.

From the economic side of things, small business will close down on their own due to decrease in business regardless and the sick pay they have to give out once their employee is infected.   Big companies are not going to keep their office open when their employees are dropping for financial reasons and liability reason.  Why are food processing plants going?  Who is going back to the casinos other than your hardcore gambling attic.  

If you want people to die so badly, at least make their death worth while.

Yup, they are going to shut down the economy during an election year.