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PenelopeWitherspoon

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Posts posted by PenelopeWitherspoon

  1. 2 minutes ago, dcar00 said:

    big hitter the Llama, loooong.

    Funnily enough, I accidentally ran into the Llama once in DC.  I was in my PJs walking my dog, and he and his lesser Llama's were in the hotel lobby going somewhere.  It was surreal.  Knew he was there as the night before, my colleague was checking in (I had come back from the office with her), and we saw Richard Gere and his then wife Carrie Lowell come in.  We asked the manager who was checking her in, and he told us the Llama was staying at the hotel.

  2. 8 minutes ago, tjhooker said:

    It's great if you need it but if you can't pay 6 Mos worth of mortgage then how are you going to pay all 6 Mos when it is due.  It just delays it.  With that being said I am doing it even though I don't need to. I am putting the normal pymt into savings. I'm hoping the govt comes in through another stimulus and relieves some of that $ then I will have had free mortgage paid. Worse case I just pay it.  

     

    4 minutes ago, Foosters said:

    Yeah, I dont get this either. Same thing with rent forbearance. Ok, you cant pay because you have no job. Why not get back to us in 6 months when you'll owe us 6 months of rent in one lump-sum. Good luck!

    So generally, a deferment or forbearance does not result in the payment being due in one lump sum.  Generally, they extend the term.  

    • Like 3
  3. 1 hour ago, Skipper said:

    I don't know how it's working for all mortgages, but the common way i'm seeing COVID relief in other asset classes is simply deferring payments for X months with missed payments  tacked on to the end of the (extended) term.  That seems to be how it should work.  

    Yes, either a deferrment (does not accrue interest) or a forbearance (depending on terms, could accrue interest).

  4. 1 minute ago, ChickenSandwich said:

    do you have any sort of link to this BOLD fact/assumption that this is actually happening and where?  And are they forgiving the mortgage payments or simply delaying collection?  Is there interest incurred?  A balloon payment due?

    I know some have been able to get a mortgage forbearance.  That was part of the CARES act for all federally backed loans under any program.  It should be clear, that should be extended TO ALL mortgages not just federally backed ones.

    • Like 1
  5. Just now, Brisketexan said:

    Agreed.  It should be systematic and consistent, because these are trickle-up consequences.  Don't pay people?  They can't pay rent.  If they don't pay rent, landowner can't pay mortgage and taxes.  

    A simple plan would be to allow extension of mortgages for the period of rent relief.  But then, that impacts cash going into banks...so maybe the feds have to bridge that.  But it should be a systematic approach.

    Absolutely.  New York State has proposed something in the assembly, but so far NOTHING has come of it.  I do not get a sense of urgency from them at all.  

     

  6. 12 minutes ago, Iconoclast Texan said:

    You haven't heard. Landlords like me have the resources of the Fed to become de facto lenders of last resort and also bear the weight of being an insurer against business interruption. It's a fucking joke and idiots on city councils like the one in Seattle have no clue what burdens they are placing on landlords. I have allowed deferred rent for May and June. On July 1 come hell or high water full rent is going to be demanded. Thank God I don't have properties in Seattle and other cities with an anti-business agenda.  

    If you received a reprieve on your mortgage payments, you should be passing that onto tenants.  That is LARGELY not happening.  Unfortunately, states are going to have to step in.  What WOULD make sense is that as long as there are mandates (and let's be clear, there is going to be some sort of shit going on for the rest of 2020 at a minimum), then there needs to be meaningful rules on mortgage relief and rent relief of all businesses and individuals. 

     

    • Like 3
  7. 1 minute ago, bad_teammate said:

    Bama Chick is 100% correct, the politics of libertarians are laughable dogshit. The sideshow circus of the party at least has some whimsy and fun. You should be more embarrassed by Justin Amash than the yellow hat guy.

    Actual, serious libertarians are nothing more than freaks who want slavery back but are either not smart enough to know that is what their politics are or are too dishonest to admit it. They're sitting in the middle of human misery and their takeaway is that the answer is even more abject isolation and misery.

    I'll take this guy over some cargo shorts suburban boat dealership fascist who thinks the only job of the government should be to make sure his workers can't organize.

    Fuck libertarians and libertarianism.

    EPJ0CDOXUAE9UBM.jpg

    And this tells me you actually do not know what the fuck you are talking about, which is completely par for the course.  

    I am now leaving the Cloak Room circle jerk.  You guys all deserve each other.

  8. 4 minutes ago, kevwun said:

    Because the libertarian ideal is impractical unless your version of utopia is being ruled over by whatever warlord was strong enough to seize power in your area.

    Not true at all.  In fact, that is the antithesis of the Libertarian ideal.  As I said, the fucking ideas have been completely taken over by idiots.  And unfortunately, many of you only know that warped "Libertarianism".  

     

  9. 53 minutes ago, TwiceHorn said:

    Yeah, I don't want to pick unnecessarily, but I think too often we blame the education system for abject ignorance, when it's just flat something else.

    We could have a system that is effectively teaching algebra in 5th grade and calculus in 8th, with advanced civics and constitutional law in 6th grade and you'd still have a passel of morons if things outside the classroom are not addressed.

    Also, I can't prove it exactly, but I think a lot of countries that supposedly have better educational systems manage to weed out the abject morons so they aren't tested for comparison purposes (via "vocational" things and the like, not that vocational education is without merit or solely for the stupid).

    I call it laziness and the inability to apply critical or analytical thinking.  There is a serious lack of intellectual curiosity.  You can see that in the workplace as well.  There are a lot of people who blindly follow a process and do not know what to do when there is an exception.  It fucking drives me bonkers.

    • Like 2
  10. 2 hours ago, gmr548 said:


    So Libertarians aren't even good at being libertarians, but they don't suck?

    The Libertarian Party =/ true Libertarians.  Rather, it has been coopted by Tea Party types.  Per the League of Women Voters info for Harris County in 2018, half the "Libertarian" Party candidates were all in on building the fucking wall.  A real Libertarian believes in the free movement of labor.  That tells you all you need to know about the Libertarian party.  

    However, Bama Chick said Libertarians suck, which is not the Libertarian Party.  Words and phrasing mean something.  And people that do not realize that are just as fucking stupid as the people they are looking down on.

    • Like 1
  11. 2 minutes ago, Bama Chick said:


    Blah blah blah Manhattan blah blah blah

    I am sorry that you are so angry at everyone for having to live in Alabama.  However, saying that Libertarians suck tells me all I need to know about you.  The Libertarian party as it exists today, largely does not uphold Libertarian ideals (you can tell by some of the candidates they put forward) and is full of kooks and crazies.  Libertarian ideals, especially as it pertains to the free movement of capital and labor, make a fuck ton of sense, and if you had one iota of knowledge of economics you would understand that.  

    • Like 2
  12. In real life, Alfred's Dad was named King Ethelwulf.  Had had 6 legitimate kids: Alfred, Ethelstan, Ethelbald, Ethelberht, Ethelswith, and Ethelred.
    I am not shitting you.  
    Gotta love good, old, Anglo-Saxon names.
  13. So obviously, I have not been updating.  Covid-19 out front and all that.  

     

    But, I did do a quick update.  As I mentioned in the Coronavirus thread, tomorrow, I was supposed to leave for Paris.  This would have been the 6th year in a row that I would have been in Paris, and I was really looking forward to it as they were scheduled to open the Palais Galliera this spring.

     

    Rather, for each of the days I was supposed to be in Paris (starting Thursday, since that was the day I was actually arriving), I will be doing a post to look back at my various trips.  

     

    I might even finish up all the bar and restaurant write ups I have had in progress for Paris.  Then, I think I am going to start a list of dream trips and tips for other cities.  

     

    Thought I would update.  

     

     

  14. 20 minutes ago, InkaUtexas said:

    Would be great, but NY Post citing the Daily Mail? Meanwhile LA Times said the opposite. 

    So we don't know shit. 

    https://jvi.asm.org/content/jvi/early/2020/04/30/JVI.00711-20.full.pdf?mod=article_inline

    Accepted manuscript in the Journal of Virology.  

    Ultimately, we don't know shit about this virus.  We still do not know what the fuck it actually attacks.  

    The one from the LA Times says it is more contagious, not more serious.  So perhaps it is now the more serious strain, but perhaps it is not the one causing more deaths.  Perhaps it is the one with all the asymptomatic carriers which might lead to herd immunity faster.  Ultimately, everyone is shooting in the dark.

    • Like 2
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