Rukh O'Rorke
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Post by Rukh O'Rorke on Apr 30, 2020 14:34:54 GMT -5
these days?
I'm worried about everything right now.
intermittently.
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NastyWoman
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Post by NastyWoman on Apr 30, 2020 14:37:43 GMT -5
I live in EQ country and I currently only fear the "Big One" hitting because for me all of those factors are dependent on having a safe roof over my head (it is paid off) and electricity.
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Cheesy FL-Vol
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Post by Cheesy FL-Vol on Apr 30, 2020 14:44:14 GMT -5
EQ country?
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weltschmerz
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Post by weltschmerz on Apr 30, 2020 14:48:12 GMT -5
How secure are you feeling? for shelter, food, financial,etc
Doing OK. Not worried. The supermarkets are well-stocked, I can pay my rent, and have 3 pensions coming in...they're not going anywhere.
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souldoubt
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Post by souldoubt on Apr 30, 2020 14:49:57 GMT -5
We're some of the lucky ones who still have a paycheck right now. Even with that the longer this drags on it's current form the more concerned I'm becoming because some people could become desperate and I don't blame them. I know people who have been out of work for 6 weeks now that have yet to receive an unemployment or stimulus check. 30M people have filed for unemployment, trillions have been added to the debt already, our elected leaders want at least another trillion to pay government workers while telling regular workers to stay home and the list goes on. Some states are starting to open a bit and I hope this starts to happen sooner rather than later locally. I'm not talking about fully opening everything but easing restrictions, social distancing continued, monitor for outbreaks and when needed put another lock down in place. We've accomplished this locally and in other cities/areas throughout the state yet the governor is now telling cities that they can't open certain things up. Not really sure what the plan is because 6 weeks they knew some of the things the government would need to accomplish when we got her to slowly open up and they haven't. The short and long term implications of this are going to be staggering at the local, state and federal level.
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souldoubt
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Post by souldoubt on Apr 30, 2020 14:50:32 GMT -5
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NoNamePerson
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Post by NoNamePerson on Apr 30, 2020 14:51:49 GMT -5
I'm guessing EarthQuake country maybe??
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grumpyhermit
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Post by grumpyhermit on Apr 30, 2020 14:58:21 GMT -5
In near term, I feel pretty secure. I'm able lucky enough to be able to to work from home, so I'm still getting my regular paycheck. Able to buy everything I need/want. As long as supply chains remain mostly intact, I'm not overly worried about food access.
Longer term, I fear my employer could collapse and my job may go poof.
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Deleted
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Post by Deleted on Apr 30, 2020 15:00:18 GMT -5
Honestly, I've been through a lot worse. I realize globally it's really bad, but myself personally am not affected a lot as of yet. 2020 was going to be the beginning of the apocalypse for me anyhow with child support going away, so I've been "prepping".
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buystoys
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Post by buystoys on Apr 30, 2020 15:02:09 GMT -5
I try to stay topped off on food, so I'm keeping about a month's worth of groceries around. That's about our norm, really. It ebbs and flows on the items as I prefer to buy on sale. For shelter and financial, I am feeling OK. We both receive SSDI and DH has a pension. We also get the rent from our rental although that will have to go into it's savings account to build it up again. Right now it owes us $1600 for the AC replacement. There's enough cushion in savings that it's OK to owe ourselves for a bit.
We can cut back a bit and be all right. There is a major kitchen remodel scheduled for 1 1/2 weeks from now, so we have quite a bit of extra cash right now. There's enough equity in the house that I could tap it if necessary. I don't see that it should be though.
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swamp
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Post by swamp on Apr 30, 2020 15:03:59 GMT -5
I alternate between, "Meh, I've fine" and "OMG the world is ending."
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emma1420
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Post by emma1420 on Apr 30, 2020 15:12:24 GMT -5
I feel okay. Financially, things are pretty solid, and while I don't anticipate losing my job (my employer survived the great recession with no paycuts or layoffs and they keep good reserves), just knowing that I can keep a roof over my head for a year or two without my job relieves my stress in general. My biggest stress right is that I think we'll have additional outbreaks and we could have another wave of extended shelter-in-place orders this fall.
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Artemis Windsong
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Post by Artemis Windsong on Apr 30, 2020 15:14:13 GMT -5
We are solid. My children/grandchildren continue to work. 4 are essential workers. One is on maternity leave and probably didn't have benefits. 3 are mechanics, 1 WFH Amazon. I am so thankful.
My issue is no stimulus checks. This will probably get straightened out mid-May.
A lot of people have a global worry about people living on the edge and about to lose everything. We all need to think we have been delivered from this pandemic to create intention.
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trippypea
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Post by trippypea on Apr 30, 2020 15:30:15 GMT -5
Not feeling very secure. When DH lost his job in January, we knew it was going to be difficult to find something at his pay level, but figured he would eventually find something. The pandemic blew that out of the water since his field will most likely not recover this year. There isn't too much he can switch gears into after working the same thing for 25 years, and the next likely area is also severely impacted by the pandemic. So while we won't be living under a bridge right away, I don't know what next year will bring, lol.
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souldoubt
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Post by souldoubt on Apr 30, 2020 15:31:04 GMT -5
My biggest stress right is that I think we'll have additional outbreaks and we could have another wave of extended shelter-in-place orders this fall. I thought this was something pretty much everyone knew when we went into the initial shelter in place. I don't mean that to sound harsh at all but the virus wasn't going to disappear completely. Flatten the curve, slowly re-open under our new normal, be ready to test and trace then institute stay in place orders when needed. For me at a state and federal level it doesn't seem like they're anywhere near where they need to be to antibody test and contact trace. I know things don't happen overnight I was just hoping for more positive news in that regard now that we're in week 6.
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Blonde Granny
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Post by Blonde Granny on Apr 30, 2020 15:33:22 GMT -5
I'd sound like I'm bragging....so I'll not do that. I'm comfortable.
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NoNamePerson
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Post by NoNamePerson on Apr 30, 2020 15:46:23 GMT -5
I'd sound like I'm bragging....so I'll not do that. I'm comfortable. Same here. I guess just a good set of circumstances has me Ok thru this and the fact that I've known from a very early age that I only have me to count on and I'll be OK!!
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emma1420
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Post by emma1420 on Apr 30, 2020 15:55:02 GMT -5
My biggest stress right is that I think we'll have additional outbreaks and we could have another wave of extended shelter-in-place orders this fall. I thought this was something pretty much everyone knew when we went into the initial shelter in place. I don't mean that to sound harsh at all but the virus wasn't going to disappear completely. Flatten the curve, slowly re-open under our new normal, be ready to test and trace then institute stay in place orders when needed. For me at a state and federal level it doesn't seem like they're anywhere near where they need to be to antibody test and contact trace. I know things don't happen overnight I was just hoping for more positive news in that regard now that we're in week 6. I think many people, including myself, understood that perhaps life wasn't going to go back to the way it was before. But, I know i thought that we'd do an extended shelter-in-place now, so that we could keep the pressure off the healthcare system, ramp-up testing, start to build contract tracing. Essentially, I thought the shelter-in-place stuff was to buy us time, so that we could at least function as a society. Perhaps we can't have 20,000 attending a baseball game, but we can have baseball on TV. Or perhaps you can't have that 500 person wedding, but perhaps you can have 50 people. That you could travel to see you family at the holiday's, or have a funeral with more than 5 people (which is what my grandmother's funeral will be like in a few weeks), etc. Local areas might get short-term shelter-in-place orders later on in the year if there was a flare-up, but for the most part things would be functional. Perhaps not in the way that they were, but that most people could function. My fear isn't that. It's another longer term shelter-in-place order that impacts entire regions or the nation as a whole. I don't think most people are prepared for another 6+ weeks of shelter-in-place later this fall. I don't think our economy can manage another extended shutdown of most of the country. And I'm deeply concerned that another shutdown would happen in November/December (as flu season starts to really get going, and the healthcare system gets overwhelmed again). Psychologically I don't know how many people will be able to manage that. And at the moment that is what I am most concerned about.
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bookkeeper
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Post by bookkeeper on Apr 30, 2020 15:59:44 GMT -5
Very secure. We have plenty of food, live on a river for fish as a change of pace. We are planting our vegetable garden which will further insure our food supply.
Financially, I feel pretty good about our retirement plan. Our investments are down, like everyone else, but not that far. I am very happy I listened to other posters on this board about having 2 years expenses in cash handy when living on your 401k and IRA.
Our older son's business is doing well through the crisis and our younger son is back to school for another degree so they are both good for now.
Shelter is as good as it has ever been. I owe about $16,000 on my only mortgage, very excited to be almost done making a house payment for the first time since 1986.
We are very fortunate.
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Tiny
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Post by Tiny on Apr 30, 2020 16:00:05 GMT -5
I'm not stressing a whole lot about "right now" - so far I'm still getting a paycheck and my renters are current on their rent but May 1st is tomorrow - so not sure what's gonna happen (I'm seriously expecting one of the renters to stop paying).
I'm alittle stressed about May - because of the rent checks. But that should resolve one way or another by May 15th (after which rents will be late - which means probably not getting it). I can cover the expenses. but the more rents I get the better long term hope I have.
That said, I am alittle stressed about June going forward. My employer has already canceled the "up to 5 days cash for vacation days" perk that occurs in Novmember (I typically cash out 5 days). I'm strongly expecting that I won't receive a raise in July 2020. I'm optimistic about the "merit bonus" that comes along with the raise but won't be surprised if that goes away too. I'm also thinking the holiday bonus (5 days pay) at the end of the year will not materialize either. The raise is a pittance... but the other bonus'/cash out = alittle more than 3 weeks of pay. I don't count on them... but that money does figure into my savings. If I do keep my job, and my renters stop paying, and I "lose" that extra pay - which instead of going to savings would go to keeping the rentals afloat... the last quarter of 2020 could be interesting financially for me. I'm of the opinion that the coronavirus isn't just gonna magically go away.
On the plus side - I can handle having my rents drop quite a bit (if that's what it takes to get/keep renters). I have low fixed expenses on both of the "shacks". And I can make some changes to my finances now so I have some additional "cash" on hand by July/August if needed.
So, yeah, I'm stressed about 4th quarter 2020 and 1st quarter 2021 being uncomfortable but survivable. Not so stressed about right now (which is comfortable).
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giramomma
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Post by giramomma on Apr 30, 2020 16:01:06 GMT -5
I'm cautiously optimistic right now. We're taking care of what we can control. That's all we can do. We've also been conservative up to this point. It's a really boring way to go about life when times are good....helpful when the shit hits the fan.
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Rukh O'Rorke
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Post by Rukh O'Rorke on Apr 30, 2020 16:09:38 GMT -5
Not feeling very secure. When DH lost his job in January, we knew it was going to be difficult to find something at his pay level, but figured he would eventually find something. The pandemic blew that out of the water since his field will most likely not recover this year. There isn't too much he can switch gears into after working the same thing for 25 years, and the next likely area is also severely impacted by the pandemic. So while we won't be living under a bridge right away, I don't know what next year will bring, lol. sorry to hear and wishing him good luck with his job search.
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souldoubt
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Post by souldoubt on Apr 30, 2020 16:13:30 GMT -5
I thought this was something pretty much everyone knew when we went into the initial shelter in place. I don't mean that to sound harsh at all but the virus wasn't going to disappear completely. Flatten the curve, slowly re-open under our new normal, be ready to test and trace then institute stay in place orders when needed. For me at a state and federal level it doesn't seem like they're anywhere near where they need to be to antibody test and contact trace. I know things don't happen overnight I was just hoping for more positive news in that regard now that we're in week 6. I think many people, including myself, understood that perhaps life wasn't going to go back to the way it was before. But, I know i thought that we'd do an extended shelter-in-place now, so that we could keep the pressure off the healthcare system, ramp-up testing, start to build contract tracing. Essentially, I thought the shelter-in-place stuff was to buy us time, so that we could at least function as a society. Perhaps we can't have 20,000 attending a baseball game, but we can have baseball on TV. Or perhaps you can't have that 500 person wedding, but perhaps you can have 50 people. That you could travel to see you family at the holiday's, or have a funeral with more than 5 people (which is what my grandmother's funeral will be like in a few weeks), etc. Local areas might get short-term shelter-in-place orders later on in the year if there was a flare-up, but for the most part things would be functional. Perhaps not in the way that they were, but that most people could function. My fear isn't that. It's another longer term shelter-in-place order that impacts entire regions or the nation as a whole. I don't think most people are prepared for another 6+ weeks of shelter-in-place later this fall. I don't think our economy can manage another extended shutdown of most of the country. And I'm deeply concerned that another shutdown would happen in November/December (as flu season starts to really get going, and the healthcare system gets overwhelmed again). Psychologically I don't know how many people will be able to manage that. And at the moment that is what I am most concerned about. Fair enough. As to the last paragraph I don't disagree at all and as for next flu season that's one reason we should be trying to get people who aren't over 60 or at risk out there to build some herd immunity up. I know there's a balance between doing that and playing it smart but the longer this goes on financially we're going to do more damage than many individuals or municipalities will be able to dig themselves out of. Locally the weather is warm while it's supposed to be in the 80's next week and our Governor just forced the closure of all beaches and parks because last weekend some beaches were open which he didn't agree with. I live by one of those beaches and while I didn't go down to the sand last weekend I did ride along the beach trail and it was pretty tame with people respecting social distancing. Some of the articles talking about how crowded it was were posting stock photos. I'm all for controlling crowded areas and locking them down as needed but I don't think there's a one size fits all approach for an entire state when certain areas are facing different numbers.
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Cookies Galore
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Post by Cookies Galore on Apr 30, 2020 16:17:26 GMT -5
I think that, regardless of the fact that I have had some bad days for my mental and emotional health, the fact that I am still bummed I'm not leaving for vacation on Saturday and watching YouTube videos of empty Aruba beaches says that I am not only secure but also suffering just a tad from first world problems.
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Deleted
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Post by Deleted on Apr 30, 2020 16:22:53 GMT -5
Financially secure- yes. My investments have taken a hit but they're recovering and I have decent SS and pension income in the meantime. Even DS' job looks pretty secure and I'm grateful for that although I spent enough time in corporate America that I never take that as unchangeable,
I've still got an undercurrent of worry- I feel like every time i go somewhere near other people I'm putting myself and maybe them at risk even with all the recommended precautions. I still go out walking, take bike rides and buy groceries (with far less frequency) but I'm almost afraid to do anything else.
And now my Dad, age 89, is deteriorating after a stroke he had Easter weekend. He's in rehab and likely to go from there to a nursing home. It's painful to talk to him on the phone and I'm in the Midwest and he and my siblings are in SC. Siblings have been wonderful but I feel a bit useless. And I SO miss my grandchildren.
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NoNamePerson
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Post by NoNamePerson on Apr 30, 2020 16:25:39 GMT -5
Financially secure- yes. My investments have taken a hit but they're recovering and I have decent SS and pension income in the meantime. Even DS' job looks pretty secure and I'm grateful for that although I spent enough time in corporate America that I never take that as unchangeable, I've still got an undercurrent of worry- I feel like every time i go somewhere near other people I'm putting myself and maybe them at risk even with all the recommended precautions. I still go out walking, take bike rides and buy groceries (with far less frequency) but I'm almost afraid to do anything else. And now my Dad, age 89, is deteriorating after a stroke he had Easter weekend. He's in rehab and likely to go from there to a nursing home. It's painful to talk to him on the phone and I'm in the Midwest and he and my siblings are in SC. Siblings have been wonderful but I feel a bit useless. And I SO miss my grandchildren.
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TheOtherMe
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Post by TheOtherMe on Apr 30, 2020 16:53:36 GMT -5
As long as my pension does not get messed with, I'm fine financially.
My inheritance from my dad should be in my hands in June. I don't know if probate court is behind because of the courthouse being closed, but I do know that all filings were done online.
I am joint tenants with my sister on all of dad's accounts except for the probate account. I should get a check from that account.
My mental health is suffering. I am concerned for my physical health so not going out and about.
At this point, I am not worrying about herd immunity for the flu.
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lurkyloo
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Post by lurkyloo on Apr 30, 2020 16:57:32 GMT -5
We are living in a bubble with no more than mild annoyances and worry about my high risk dad who refuses to take it seriously (but self isolates by default.)
I feel pretty guilty.
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Rukh O'Rorke
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Post by Rukh O'Rorke on Apr 30, 2020 17:22:07 GMT -5
sorry to hear about your Dad, Athena. Was he living independently before the stroke? My mother had a stroke about 6 months ago and got back home after rehab. Hope your father does well.
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Post by Deleted on Apr 30, 2020 17:24:59 GMT -5
Six months ago and now are very different in my life. I didn't see a pandemic coming, but something told me to save back some cash and not sink it all into my next house. So glad I listened to that.
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