Godlike Productions - Discussion Forum
Users Online Now: 2,329 (Who's On?)Visitors Today: 450,577
Pageviews Today: 980,326Threads Today: 555Posts Today: 10,524
03:01 PM


Rate this Thread

Absolute BS Crap Reasonable Nice Amazing
 

How Many Are Close To A Breaking Point?

 
Anonymous Coward
User ID: 78024772
United States
01/30/2021 12:12 AM
Report Abusive Post
Report Copyright Violation
Re: How Many Are Close To A Breaking Point?
I feel your pain. The wife and I managed to refinance the house a few months ago but now we are splitting up. Only been married a little over 2 years.


This last year has been hell and it's mainly because we are completely opposite with political views....and I've known her for 10 years now. Something about this year radicalized the left (which she is). I'm libertarian if anything at all. She hated the fact that I didn't vote for Biden to try and get Trump out of office. I did not vote at all and also told her if I had a gun to my head it would have been for trump before Biden.

Needles to say she got a super feminazi haircut, died it purple and well now here we are going through a divorce.

Everyone has been tested this past year so slightly different circumstances but I feel your pain the same way. Here's hoping things get better.
 Quoting: b2daweezy


Wow. I’m so sorry.
Zedakah  (OP)

User ID: 79498793
Canada
01/30/2021 12:17 AM

Report Abusive Post
Report Copyright Violation
Re: How Many Are Close To A Breaking Point?
DO NOT live on more than one income can provide.

 Quoting: Anonymous Coward 78732400


With the refinance, we would have been just fine on my income alone. This was my plan after purchasing the home for just one year to make sure we could afford it.

Also, you should have built up a savings of 3-6 months of expenses to deal with emergencies. It’s poor planning and greed.
 Quoting: Anonymous Coward 78732400



I had 6 months saving from last year. Covid hit. We had to go through some of it. Now this has hit. We have 2-3 months to figure out how to fix this.

I always plan and prepare. I was hoping to get 1 years worth of savings up and running before Covid hit.

My point is sometimes it doesn't matter how much you plan and prepare. Shit can happen to anyone at anytime. The titanic was not unsinkable.

My takeaway to other people is sometimes now matter how much you prepare, you will never be ready for what is coming.
 Quoting: Zedakah


What we all can do is live well below our means. And then when something happens we don’t have too far to fall.
 Quoting: Anonymous Coward 78024772


I know. I have been fortunate to live in just about every strata of society. I grew up well above average and went to all private schooling. My best friends from high school are CEOs, CFOs, and the like. I broke away from that life and did not want to sacrifice things just for that lifestyle. So I went my own way in college and lived by myself in a very rough neighborhood (I learned all the street names for all the drugs). I worked my ass off to pay the rent on one of the crummiest apartments available, and I hated every second of it.

After renting for decades, I hated that I essentially through away $150,000-$200,000 that I could have been putting toward mortgage payments and had a home paid off. So I finally did get myself into a situation to buy a home, and we did get a really good deal on it.

Problem is all this covid crap just happened during this refinance and it's a perfect storm of financial crises. I feel like a whack-a-mole where I finally stick my head out of the hole only to get smacked right back down. I have spent my entire adult life being extremely frugal and financially prudent. So it's doubly annoying and frustrating to me when all of this stuff happens at once.
Tree of Life

User ID: 59618155
United States
01/30/2021 12:36 AM
Report Abusive Post
Report Copyright Violation
Re: How Many Are Close To A Breaking Point?
Do you currently have a gov backed mortgage? If you do, I wonder if you can still go into a forbearance for a year?
 Quoting: Max Powers


Yes, I actually have a USDA loan.

I will look into this. Thank you.
 Quoting: Zedakah


Im USDA, I start mine back up in April. Its been forbear since last March. They payed the escrow too! I have 3 options for restart

1 pay it all back

2 pay an amount back every month

3 add to the back of the mortgauge.

I was told my credit and job status did not matter. My loan company is flagstar. They have been really great.
 Quoting: Max Powers


Yes... my ex lost his job just as his refi was closing, and it did not stop it from closing. He got another job soon after.

It is about the ability to pay, and a track record of doing so.
"All you may know of heaven or hell is within your own self." - Edgar Cayce
Anonymous Coward
User ID: 79952216
United States
01/30/2021 12:40 AM
Report Abusive Post
Report Copyright Violation
Re: How Many Are Close To A Breaking Point?
...


They are being tweezed out of the womb piece by fucking piece
 Quoting: Anonymous Coward 51983905


All the BLM zombies seem to conveniently forget that Blacks are aborted at a higher rate than Whites. Go figure.
 Quoting: DoublePlusMAGA


and all the whites wanna keep all the babies but don't give two fucks about the poor kids on the poverty lines and rain shit down on the single moms doing their very best
 Quoting: Anonymous Coward 79952216


Shut up fool

White people made the fucking laws dipshit
 Quoting: Anonymous Coward 51983905


make better fucking laws then, nazi
Anonymous Coward
User ID: 73493067
United States
01/30/2021 12:44 AM
Report Abusive Post
Report Copyright Violation
Re: How Many Are Close To A Breaking Point?
pffft-spitsmoke
Anonymous Coward
User ID: 21096826
United States
01/30/2021 12:46 AM
Report Abusive Post
Report Copyright Violation
Re: How Many Are Close To A Breaking Point?
Feeling pretty comfy at the moment, just watching the world crumble. Family is a little stressed they can't go out and do shit, but other than that, everything is pretty peachy.

Thought it was coming in 2008, was only a few years early. Waiting for the final blow to strike, the massive simultaneous collapse of all the stock indexes.
Anonymous Coward
User ID: 79996595
Canada
01/30/2021 01:05 AM
Report Abusive Post
Report Copyright Violation
Re: How Many Are Close To A Breaking Point?
There's a story told about how a man got a good job. So he made more money. He thought he could afford all the debt he could get. So he bought a big house and expensive car and all the latest gadgets. Then the inevitable slowdown happens and he can't make his bills and ends up homeless.

While his neighbor did not accumulate debt. He drove a cheaper, older car and bought himself a smaller, cheaper house. He saved his extra income in a jar under the bed.

Then the slowdown hit. His job cut hours and pay. He didn't lose his home because it was paid for. Car too. His savings helped him get through the slowdown and it wasn't long before times became good again. He he went on with his life happy.

You seem to be the first guy. I have always talked trash about those whose debt goes up with his income. It's not too hard to live within your means. People should try it. When I used to smoke cigs I would buy the cheap pipe tobacco and roll my own. I bought my house in a mixed neighborhood so my house was reasonably priced. I'm 52 years old and in less than $20,000 in debt. My son in law makes good money. So he bought a $200,000 house, new cars and a camper. They won't listen to me. No one does. I pray the economy keeps him up, but I don't think it will.

Be smart with your money and these things won't happen to you.
 Quoting: Anonymous Coward 57244673


I have always prided myself on being the second guy. My problem is I started too late in life. For the first time in my life (late 30s) I was in a position to purchase a house AND save money. So I did just that two years ago. The first year I monitored all expenses closely to make sure we were fine, and we were doing great. The second year I was going to aggressively pay off the debt...and then Covid hit and now this.

My point is just because you do plan, save, and spend money wisely doesn't make you immune to being crushed. Those things are good habits that may help you survive and recover for WHEN it DOES happen to you.
 Quoting: Zedakah


^^^ this
We are very smart with our money. We started right out of the gate. Had used cars and furniture for years...bought a small starter home. Put alot of sweat equity. Sold made double. Bought and sold a few times over (always making money) started a corp....banked everything in corp acct ( its taxed cheaper) lived on basic allowed income before taxed higher. Thus sheltering our business income
..living on little. Saving alot. We also get full child benefits because of this selfcontrol. I work full time in a management position and also make good money. We also a few times over did good in the stock market .... we dont go on oversea vactions...we dont have "toys" and even our current residence. Although now a active farm. We bought bottom of our price range.

This all said. Husband hasnt hardly worked for a year in our corp. The industry just went hush. We havent once had to accept any governmemt money thankfully....dont want nothing to do with any relief money for covid with all its strings attached.
Weve been living off the corp account. Paying husband same amount all year as priors. But that money is quickly dwindling with no new income coming in. Im still working but about half the normal amount. And only other income we have coming in is our rental...and at any moment we could lose our tenants too due to economy.

So even doing everything right. Living within means for 17+ married years. Excellent credit....a decent amount saved in bank. A sizeable amount in rsg and gics. ( cant touch them)

I am for the first time starting too see on the horizon how we may start to get into trouble. The savings will run out...our bills will keep coming. We are thankfully quite self sufficient on our farm. But honestly it could disappear fast if we couldnt pay our bills.

We are still probably a good few years away from cracking into any retirement savings. But if things continue exactly how the are now...or worst get worst. We could easily lose it all in such a short time compared to how long it took to build it.
Anonymous Coward
User ID: 75325843
Canada
01/30/2021 01:52 AM
Report Abusive Post
Report Copyright Violation
Re: How Many Are Close To A Breaking Point?
As bad and bleak as things look and feel now, my advice is to savor it, find ways to enjoy the time.

Once they get the great reset into full gear, start gun confiscation and putting people into camps, we will all be wishing it was still January. We will all, world wide will be living through Schindler’s List.
Anonymous Coward
User ID: 79997374
01/30/2021 04:48 AM
Report Abusive Post
Report Copyright Violation
Re: How Many Are Close To A Breaking Point?
Nope, not even close to a breaking point.
Watching these millennials fight back in Their own way and subsequently be cast as pariashs along side the MaGAs is enough evidence for me to believe that there is a true awakening happening.
I'm comfy af.
 Quoting: RoxLife


It's become painfully obvious in the difference between liberal and conservative responses::

Conservative responses tend to be sympathetic and supportive.

Liberal responses tend to be callous, unsympathetic, and divisive rather than supportive.

How interesting!!

(Lol everyone knows liberals have a mind virus)
Anonymous Coward
User ID: 79528448
Dominican Republic
01/30/2021 08:42 AM
Report Abusive Post
Report Copyright Violation
Re: How Many Are Close To A Breaking Point?
Nah, your problems aren't the result of two weeks of Biden, it the result of 4yrs of maga cult, but you won't see it nor admit to it as it requires personal responsibility of how things are the way they are.

Wait until it is known wide the virus came from the US.

Wait until it is realized that "warp speeding" an mRNA injection will be the ELE.

This is what happens when psyops and gaslighting run rampant.
Anonymous Coward
User ID: 79375998
01/30/2021 08:44 AM
Report Abusive Post
Report Copyright Violation
Re: How Many Are Close To A Breaking Point?
Nope, not even close to a breaking point.
Watching these millennials fight back in Their own way and subsequently be cast as pariashs along side the MaGAs is enough evidence for me to believe that there is a true awakening happening.
I'm comfy af.
 Quoting: RoxLife


It's become painfully obvious in the difference between liberal and conservative responses::

Conservative responses tend to be sympathetic and supportive.

Liberal responses tend to be callous, unsympathetic, and divisive rather than supportive.

How interesting!!

(Lol everyone knows liberals have a mind virus)
 Quoting: Anonymous Coward 79997374


you guys are obviously the victim blame shifters and snowflkes. It's most apparent worldwide.
Anonymous Coward
User ID: 79395064
United States
01/30/2021 08:51 AM
Report Abusive Post
Report Copyright Violation
Re: How Many Are Close To A Breaking Point?
Oh yeah. Family members are about to make me homeless over a bs disagreement with someone else. Lol. Fuck it the american people are too shitty to deserve anything less than whats coming.
Anonymous Coward
User ID: 76906184
United States
01/30/2021 08:57 AM
Report Abusive Post
Report Copyright Violation
Re: How Many Are Close To A Breaking Point?
As bad and bleak as things look and feel now, my advice is to savor it, find ways to enjoy the time.

Once they get the great reset into full gear, start gun confiscation and putting people into camps, we will all be wishing it was still January. We will all, world wide will be living through Schindler’s List.
 Quoting: Anonymous Coward 75325843


Exactly! I am living heaven on earth right now but know what's to come. With that statement you just made people will still be in denial. There materialism blinds them. Imagine working your whole life thinking you'll get a pension and you get nothing. A grand illusion I didn't fall for and very content in my life right now. I am so blessed and it's because I am not a fool whondespises wisdom
Mutation

User ID: 11420323
United States
01/30/2021 09:24 AM
Report Abusive Post
Report Copyright Violation
Re: How Many Are Close To A Breaking Point?
Everyone please just hang in there. Lets see what comes after we get into spring. I have this very peaceful feeling this is going to be a great year. Things always get their absolute worst right before a break through to the other side. I have a feeling this will turn out to be a great year. Something just feels very peaceful about what happening. We are close to a break thru
 Quoting: Max Powers


popcornbundy-0k0kTBL-siwl
Anonymous Coward
User ID: 77333689
United States
01/30/2021 10:19 AM
Report Abusive Post
Report Copyright Violation
Re: How Many Are Close To A Breaking Point?
Remember when the outrageous salaries given to pro athletes was a topic of discussion among sports fans?

This goes back decades.

Yet in the past year, how are the 4 major US sports leagues still paying those multi-million dollar salaries?

I haven't heard anything about owners saying that players have to take a pay cut.

I haven't heard of athletes stepping forward to say they're donating a portion of their millions to local small businesses to keep them from going under.

I haven't heard fans complaining about salaries in a year they SHOULD be.

Bizarro.
Anonymous Coward
User ID: 79994910
Greece
01/30/2021 11:01 AM
Report Abusive Post
Report Copyright Violation
Re: How Many Are Close To A Breaking Point?
do you all realise what we are talking about?

our known world is dead already.. there is no come back

nothing will be fixed, al least not without blood

if we dont react now, worldwide, we all will die in poverty hunger pandemics and wars, slaves

we need a leader to work for the people but enough cruel to exterminate the elites without mercy
Anonymous Coward
User ID: 79777673
United States
01/30/2021 11:02 AM
Report Abusive Post
Report Copyright Violation
Re: How Many Are Close To A Breaking Point?
"WHAAAAA!

"SUDDENLY IT'S BIDEN'S FAULT!

"WHAAAAAA!"
darkwolf007

User ID: 4536799
United States
01/30/2021 11:03 AM
Report Abusive Post
Report Copyright Violation
Re: How Many Are Close To A Breaking Point?
I think it's sad you had to put a disclaimer about not advocating violence because a handful of people got out of hand on Jan. 6th - and others were so confused they thought they were being allowed onto Capitol grounds to peacefully protest.

You had to put a freaking disclaimer while Antifa is still destroying cities on the West Coast. The neo-Marxists who took control have really intimidated the shit out of us haven't they?
 Quoting: Keats


hesright
 Quoting: Don Draper from Nantucket


I could suggest a rationally violent way to "deal with" those neo-Marxists which would depose them once and for all. Unfortunately we would be still stuck with the Illuminati, Freemasons, and other Corrupt horrors still within their well placed positions planet wide and especially here in America. Just like I keep saying... all the easy answers are forever gone. Only the difficult all the to extraordinarily difficult answers remain.
Conspiracy Theorist is nothing more than a derogatory title used to dismiss a critical thinker.

A time is coming when men will go mad,
and when they see someone who is not mad,
they will attack him, saying,
'You are mad; you are not like us."
-- St. Anthony The Great

Social Credit Loser here.
darkwolf007

User ID: 4536799
United States
01/30/2021 11:05 AM
Report Abusive Post
Report Copyright Violation
Re: How Many Are Close To A Breaking Point?
Everyone please just hang in there. Lets see what comes after we get into spring. I have this very peaceful feeling this is going to be a great year. Things always get their absolute worst right before a break through to the other side. I have a feeling this will turn out to be a great year. Something just feels very peaceful about what happening. We are close to a break thru
 Quoting: Max Powers


popcornbundy-0k0kTBL-siwl
 Quoting: Mutation


Just look at what happened to China after their Maoist Communist Takeover.
Conspiracy Theorist is nothing more than a derogatory title used to dismiss a critical thinker.

A time is coming when men will go mad,
and when they see someone who is not mad,
they will attack him, saying,
'You are mad; you are not like us."
-- St. Anthony The Great

Social Credit Loser here.
~Newton's Own~

User ID: 77801149
United States
01/30/2021 12:12 PM
Report Abusive Post
Report Copyright Violation
Re: How Many Are Close To A Breaking Point?
...


All the BLM zombies seem to conveniently forget that Blacks are aborted at a higher rate than Whites. Go figure.
 Quoting: DoublePlusMAGA


and all the whites wanna keep all the babies but don't give two fucks about the poor kids on the poverty lines and rain shit down on the single moms doing their very best
 Quoting: Anonymous Coward 79952216


Shut up fool

White people made the fucking laws dipshit
 Quoting: Anonymous Coward 51983905


make better fucking laws then, nazi
 Quoting: Anonymous Coward 79952216


Just because they're laws it doesn't matter that white people wrote them.

Dont steal, dont loot, dont murder, dont rape, dont sell drugs, etc.

Pretty straightforward.

Doesn't make them "white laws".

They're just laws.
A coward dies a thousand times, but the valiant need taste of death but once.

Fear cuts deeper than swords.

#Notmypresident.
Anonymous Coward
User ID: 79581921
United Kingdom
01/30/2021 12:38 PM
Report Abusive Post
Report Copyright Violation
Re: How Many Are Close To A Breaking Point?
You summarized what most of us are experiencing, I’d say.


...Keep the faith, brother.
 Quoting: REaliZe


Yeah and doing that after 9-11 when you worked out it was a false flag did just what for you.

Faith is nothing to fighting back but you need a backbone for that and this is missing in the USA
Anonymous Coward
User ID: 79998469
United States
01/30/2021 12:49 PM
Report Abusive Post
Report Copyright Violation
Re: How Many Are Close To A Breaking Point?
Nobody will ever do shit. People would rather become homeless than physically fight the system.
 Quoting: Anonymous Coward 78919163


people are controlled through the terror of the satanic US prison system.

it's one of those things , like freemasonry, it's never talked about but you know it's there. Prisons are real, and they really are hell. the prisons and the satanic creeps and lesbians who run them, run them for one reason, to sadistically torture white men by putting them in cells with black men.

you ask yourself, WHY in the fuck do white people support this????

well. WHY are there white people, running around closing down white people's businesses?

a large number of white people are just demons.
 Quoting: Anonymous Coward 70987562


hesright
Anonymous Coward
User ID: 79998469
United States
01/30/2021 12:56 PM
Report Abusive Post
Report Copyright Violation
Re: How Many Are Close To A Breaking Point?
The Deep State is overplaying their hand and it will lead to a strongman emerging. A nobody. This scenario has played out time and again throughout history, most recently in post-WWI Germany where the actions of Internationalist elites in the Allied Starvation Blockade of Germany led to the rise of a WWI veteran, a nobody, who decided to take his country back the hard way. History always repeats.
 Quoting: Anonymous Coward 79649833


they got an app for that... If some nobody did emerge as you say, their AI/datamining would pick up on it before he even gained 100 online followers, would red flag him - then they would create a clone/mockingbird crisis actor to "calumniate" him - it's a process they have down to a science that's been going on since the 1800s. They would take his message, run with it for a little while all while shadow banning and gangstalking the original guy. The cloned version would gain thousands, possibly millions of followers - then right at the peak, when their analytics tell them it's at the top, they would completely run that persons whole entire movement right into the ground along with all the innocent followers who were too gullible and trusting to go along with it.

what do you think hitler, Qanon, trump, the nobody and so many others have been? same formula. they have it down to a science at this point.

d1ke witches and their paid off flying monkey gaysons really do run the satanic system here on earth.. bible spells it all out.
Anonymous Coward
User ID: 78089851
United States
01/30/2021 01:04 PM
Report Abusive Post
Report Copyright Violation
Re: How Many Are Close To A Breaking Point?
Passed the breaking point awhile ago. Feel sorry for my kids. I'm never home or there for them and I am a single parent. We're fortunate. Money is not the issue, we keep the bills paid (and no, misogynist types, their dad does not help). It's my profession. People are crazy. I stopped taking new clients but they are begging on a daily basis and I cannot physically do more.
I do work a lot on barter which has been awesome..food, household and automotive repairs, landscaping, help with chores are all good but time is the problem. 80 hours a week some weeks and I am old.

But also I feel a moral obligation to my community to do what I can. The problem is, everyone is so overwhelmed.
Just.so.fucking.tired.
CHERNOBLY

User ID: 78537298
Canada
01/30/2021 01:10 PM

Report Abusive Post
Report Copyright Violation
Re: How Many Are Close To A Breaking Point?
Emotionally I am not doing well. I have a well paying stable job but they keep asking for more of me. It greatly concerns me that I am expected to not only fulfill the duties I was hired for but make good on the added responsibilities now. Is everyone else experiencing this? My employer fired the janitor and now wants me to empty garbages....
Death smiles at us all, but all a man can do is smile back
Zedakah  (OP)

User ID: 79498793
Canada
01/30/2021 01:34 PM

Report Abusive Post
Report Copyright Violation
Re: How Many Are Close To A Breaking Point?
Emotionally I am not doing well. I have a well paying stable job but they keep asking for more of me. It greatly concerns me that I am expected to not only fulfill the duties I was hired for but make good on the added responsibilities now. Is everyone else experiencing this? My employer fired the janitor and now wants me to empty garbages....
 Quoting: CHERNOBLY


This is quite common.

The "essential workers" are hit the hardest with this. They are essential enough for extra work, but apparently not essential enough for extra pay.





GLP