Coronavirus Coronavirus: In-Iowa General Discussion (Not Limited)

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Acylum

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Nov 18, 2006
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The guy who can't figure out how to wear a mask without touching it? We're in good hands!
Well yeah, that's kind pf my point. If I realize the mask I'm wearing is ineffective without me constantly adjusting it, it does me, nor anyone else, no good. I am smart enough though that I wasn't actually touching the filtration substrate or anywhere near. But I'm still touching my hair, my skin, and the ties just to make it somewhat effective. When you add in the fact I'm touching items while shopping that who knows how many other people have touched, it becomes a losing proposition for me and everybody else. It's like the people I see who are wearing their stylish, what appear to be neoprene, masks with all sorts of fancy prints/designs. Like cat faces, or skeletal designs, or whatever. Oh, and air holes punched in them so they can breathe. Air holes. So I prefer to use common sense, assume I'm infected, everybody I see is infected, and everything I touch is contaminated, then apply good hygienic techniques. By this time it's pretty safe to assume we've all been in close proximity to at least one carrier by now. It takes that person to be infected with a certain "load" in order for them to pass it on. And then for them to pass a certain load on to someone else. The chances of a single individual, who is practicing good transmission-preventive techniques, becoming infected while grocery shopping are infinitesimal. This is my approach until I can get a commercial mask anyway.
 

cycloneworld

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Mar 20, 2006
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While I think it’s important to give people leeway and stuff on rent and mortgages I’ve seen people suggesting landlords should just forgive these months. Sorry but that is bull crap. We should work out agreements with people to deal with these months.

This is another case of finding a middle ground.

As an owner of several rental properties, I'm good with forgiving rent if the bank forgives our monthly payments to them.

We have been proactive with our lender and they've agreed to let us make interest only payments for 3 months while we work with our tenants on payment plans. But we have collected about 50% of rent for March when our normal month is 95%+. How is that fair to the landlord who has to make property tax, insurance, and monthly lender payments?
 

CascadeClone

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Oct 24, 2009
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what was her major?

Psychology and Criminal Justice. Turns out helping children in "the system" with their life problems is a low-pay, horrifically high-stress job.

I guess the good part is she became completely disillusioned with "the system" so quickly. She currently takes suicide hotline calls and it is by far the least stressful job she has had, her words.

Funny aside:
went out to lunch with her and my son after she had been there a few weeks.
Me: "How's it going there?"
Daughter: "Been doing tons of training, but I took my first solo call this morning!"
Son: "0 for 1?"

Dark, but we laughed. A lot. Great kids.
 

CascadeClone

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Oct 24, 2009
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[QUOTE="AuH2O, post: 7126310, member: 18483"]I think some smart ones that can handle it will be willing to eat some losses to keep long-term tenants in vs. trying to evict people and getting new tenants given the economic reality. From a pure business perspective if you think someone is going to pay moving forward forgiving a month or two might be a better business decision than trying to find a new renter.
[/QUOTE]

One million percent correct. If you have a good tenant, they will be a good tenant after missing a payment or two, and you can work out some kind of late payment schedule all can live with. Good tenants are worth a LOT more than their rent check!!
 
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jsb

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This is what I was getting at regarding wearing masks.
 

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BoxsterCy

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Sep 14, 2009
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The dealerships would have worked with them to defer payments for a month or 2, but forgive the entire loan - no f ing way

Repo biz, possible boom 3rd or 4th quarter boom.

tenor.gif
 

ArgentCy

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Jan 13, 2010
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As an owner of several rental properties, I'm good with forgiving rent if the bank forgives our monthly payments to them.

We have been proactive with our lender and they've agreed to let us make interest only payments for 3 months while we work with our tenants on payment plans. But we have collected about 50% of rent for March when our normal month is 95%+. How is that fair to the landlord who has to make property tax, insurance, and monthly lender payments?

Really hate that word but clearly that doesn't matter because you are rich.
 

cowgirl836

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Sep 3, 2009
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As an owner of several rental properties, I'm good with forgiving rent if the bank forgives our monthly payments to them.

We have been proactive with our lender and they've agreed to let us make interest only payments for 3 months while we work with our tenants on payment plans. But we have collected about 50% of rent for March when our normal month is 95%+. How is that fair to the landlord who has to make property tax, insurance, and monthly lender payments?


banks haven't exactly been hurting through this....they should definitely grant landlords some grace in this.
 

ArgentCy

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banks haven't exactly been hurting through this....they should definitely grant landlords some grace in this.

:rolleyes:

If we are going to shut down the economy and income side of the equation then we should hit complete pause and suspend ALL payments, such as rent, mortgages, etc.
 
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mynameisjonas

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Jan 19, 2019
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The whole points of the stimulus and the extremely generous unemployment amounts are to avoid renters not being able to pay rent. I’m sure if you ask any cpa they will tell you the margins are so small for landlords, most of them barely show a profit. So everybody gets a break but screw the landlord.
 

cycloneG

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Mar 7, 2007
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The whole points of the stimulus and the extremely generous unemployment amounts are to avoid renters not being able to pay rent. I’m sure if you ask any cpa they will tell you the margins are so small for landlords, most of them barely show a profit. So everybody gets a break but screw the landlord.

Only a small percentage of people have received stimulus and/or unemployment benefits that need them.
 

ArgentCy

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Jan 13, 2010
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This is exactly what should happen.

I would agree if this was more dangerous. A 10% plus death rate. This has turned out to be much less and we need to hit pause again to get things going. We've already done more damage then you can imagine.
 
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