View Poll Results: What will today's end of benefits for 1.3m Americans mean for this forum?

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28. You may not vote on this poll
  • Won't. Even. Put. A. Dent. In. Participation. Here. At. All.

    10 35.71%
  • It means most of us here will be posting from our iPads while flipping burgers at Mickey Dee's.

    6 21.43%
  • It'll hurt, but glass half-full: At least the number of "American Idol" viewers'll drop, too!

    10 35.71%
  • S'pose I really don't give enough of a spit to give it much thought, really.

    2 7.14%
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Thread: unemployment benefits running out for 1.3m americans saturday

  1. #71
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    Re: unemployment benefits running out for 1.3m americans saturday

    Quote Originally Posted by cpwill View Post
    But I do not (as of yet) require it to survive or feed/house/clothe my family.
    My wife lost her job recently.

    Based on what we have saved we can continue on, business as usual, for 13 months (though I'll probably consider putting the house on the market in May, if it comes to it, just because it'll be easier to sell it in the spring/summer before the school year starts and it'll also stretch the money a couple more months before we need to tap into investments).

    Not only are we (well, she I guess) collecting unemployment, but we've also already negotiated with lenders to have loans put into deferment/forbearance or to have minimum payments reduced.

    Do everything that you can NOW to minimize overhead and maximize income.

    I generally operate by the maxim that it's better to beg forgiveness than ask permission. I reverse that 180 degrees when dealing with finances. Lenders and creditors are always more willing to work with you before you become a problem for them.

    If you're back to work in a couple weeks, that's great. You make a couple phone calls and put everything back to rights.

    If you're still unemployed in 15 months you'll be glad that you were proactive.

    And if you do have to unload your house you'll be glad five or seven years down the road that you didn't corner yourself into a short sale or foreclosure.

    Unemployment insurance is insurance.

    Just like car insurance or health insurance.

    You "buy" it to protect yourself against the eventuality that you may someday become unemployed (or require medical care, or total your car).

    You don't run out and pay cash for major surgery, or to replace a totaled car just because you can.

    Likewise, you don't wait to claim unemployment insurance payments just because you don't need them right this minute.

    The minute you lose your job you make a claim against your insurance.

    If you're not entitled to it at present, for whatever reason, let the insurer make that decision.

    Take the money and stick it in the bank and then tack it on to the back end if need be.
    Last edited by soot; 12-30-13 at 03:41 PM.
    “Now it is not good for the Christian’s health to hustle the Aryan brown,
    For the Christian riles, and the Aryan smiles and he weareth the Christian down;
    And the end of the fight is a tombstone white with the name of the late deceased,
    And the epitaph drear: “A Fool lies here who tried to hustle the East.”

  2. #72
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    Re: unemployment benefits running out for 1.3m americans saturday

    Quote Originally Posted by soot View Post
    My wife lost her job recently.

    Based on what we have saved we can continue on, business as usual, for 13 months (though I'll probably consider putting the house on the market in May, if it comes to it, just because it'll be easier to sell it in the spring/summer before the school year starts and it'll also stretch the money a couple more months before we need to tap into investments).

    Not only are we (well, she I guess) collecting unemployment, but we've also already negotiated with lenders to have loans put into deferment/forbearance or to have minimum payments reduced.

    Do everything that you can NOW to minimize overhead and maximize income.

    I generally operate by the maxim that it's better to beg forgiveness than ask permission. I reverse that 180 degrees when dealing with finances. Lenders and creditors are always more willing to work with you before you become a problem for them.

    If you're back to work in a couple weeks, that's great. You make a couple phone calls and put everything back to rights.

    If you're still unemployed in 15 months you'll be glad that you were proactive.

    And if you do have to unload your house you'll be glad five or seven years down the road that you didn't corner yourself into a short sale or foreclosure.

    Unemployment insurance is insurance.

    Just like car insurance or health insurance.

    You "buy" it to protect yourself against the eventuality that you may someday become unemployed (or require medical care, or total your car).

    You don't run out and pay cash for major surgery, or to replace a totaled car just because you can.

    Likewise, you don't wait to claim unemployment insurance payments just because you don't need them right this minute.

    The minute you lose your job you make a claim against your insurance.

    If you're not entitled to it at present, for whatever reason, let the insurer make that decision.

    Take the money and stick it in the bank and then tack it on to the back end if need be.
    You shoulda seen how fun it was to try to get the unemployment benefits for which you'd yourself paid by way of working at your job back in the days before Obama became president.

    A whole buncha fun, that — just tryin' to live, as it were.

    Someone could easily get himself sent up the river aping John Dillinger back then.

  3. #73
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    Re: unemployment benefits running out for 1.3m americans saturday

    Quote Originally Posted by shart attack View Post
    You shoulda seen how fun it was to try to get the unemployment benefits for which you'd yourself paid by way of working at your job back in the days before Obama became president.
    I only collected them once, back in 1994 right after I got out of the service.

    I don't recall it having been all that difficult.

    Maybe things changed between then and 2000-whenever-it-was-Obama-was-elected?
    “Now it is not good for the Christian’s health to hustle the Aryan brown,
    For the Christian riles, and the Aryan smiles and he weareth the Christian down;
    And the end of the fight is a tombstone white with the name of the late deceased,
    And the epitaph drear: “A Fool lies here who tried to hustle the East.”

  4. #74
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    Re: unemployment benefits running out for 1.3m americans saturday

    Quote Originally Posted by cpwill View Post
    As of Jan 15 I am out of a job as well, and don't have another one lined up yet (stupid holiday season). If I hit that date without anything, I'm wondering if I should apply, given that I have savings.
    It will be interesting to see how your views on the GOP cutting off the extension, reducing SANP, not making principle reduction on underwater homes any sort of priority, not pushing for real employment programs....etc, etc.

    Both my significant other (of over 30 years) and I had extreme levels of income loss, we went through all savings, we could not get a principle reduction (only a very small reduction in interest), we could not keep up and tried to do a short sale. That fell through as soon as she filed for BK, the bank seized the house and sold it at auction after dragging their feet on a short sale.....and all of our equity (real and a LOT of sweat) was lost. This included the profit of a previous home. I was able to keep us fed with SNAP and extended UI....that was a long time ago. If it had not been for my parents generosity, we would be on the streets.

    It can happen to you too.
    Last edited by Gimmesometruth; 12-30-13 at 08:41 PM.
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    He didn't say it didn't make sense. He said it is complete nonsense.

  5. #75
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    Re: unemployment benefits running out for 1.3m americans saturday

    Quote Originally Posted by soot View Post
    I only collected them once, back in 1994 right after I got out of the service.

    I don't recall it having been all that difficult.

    Maybe things changed between then and 2000-whenever-it-was-Obama-was-elected?
    Yes.

    Getting one's unemployment insurance benefits for which he or she had rightfully paid through his or her employer was bigtime difficult — especially if that someone lived in a Right-to-Work state — prior to the 2008 economic crisis, man.

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