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In 4 days I will have been unemployed 6 months. Unemployment has been decent, but it's starting to hurt. I can't even get a friggin interview and I've got maaad skillz.

SpacemanSpiff wrote:

The hard part for us i that it would be nice to get some relief in other ways.  But a lot of the programs we have found that aren't scams say that we both have to be working.

Now we are just waiting for the Gov't program for mortgages is adjusted to allow for those mortgages with PMI.

Still waiting... and waiting and waiting.

Also and unfortunately, our manageable use of Credit Cards has become slightly larger than I like (Just shy of 20k).  I guess at some point it might help to call them and say "I don't have a job" but I fear they (five creditors) might decided to ask for the entire balance.

Stil waiting.

Credit cards are unsecured. If they get snotty, mention bankruptcy. You don't have to even say you are filing, just mention you are considering it. They know that if you do pull the trigger, their money gets vaporized. Thus, they won't demand full payment up front - since that would almost instantly qualify you for a chapter 7.

They can, however; stop taking new charges, lower your limit, increase your rates, and screw you out the ying yang on fees. Believe me, banks are getting aggressive these days. I've already had to drop two cards because they wanted to jack my interest rate to nearly 30% - and I've got a solid payment history and excellent credit score. I guess they just thought I looked purty in them thar jeans or something. (one of the cards was from BoA, and I've gotten used to them trying to screw me...)

As for the mortgage, the PMI is there specifically in case you default. Thus, there is no incentive for the bank to help you at all, since they get paid either way. That's assuming the bank even kept the loan. Odds are good that your loan is spread out like a time share across God knows how many investors. Good luck with that one.

I wasn't out of of work as long as you were, but I got laid off earlier this year; and I had a lot of similar worries go through my mind. It sucks.

We can verify that gd speaks whereof his knowledge is.

I've been out of work since the end of August. My Unemployment fund evidently wasn't reset by my 3 months of work. So I"m about to run into the extended unemployment funds.

And we had a minor whoop-ass in Mini-think. And I"m a moderator now. So there.

Make my day. Go on, make my freaking day.

Yeah, I do get cranky sometimes. Just ask user.

Fancy meeting you too.
I forgot to mention it earlier but I am a puertorican.

I'm sorry, I just noticed a mistake of mine. I registered in April and ocationaly posted here, it becamena little tough to post here. By the beginning of summer let me think...

Oh yes June was when I became a very frequent poster.

My bad.

Last edited by gd (2009-10-18 10:19 am)

MysticCow wrote:

pottymouth wrote:

In 4 days I will have been unemployed 6 months. Unemployment has been decent, but it's starting to hurt. I can't even get a friggin interview and I've got maaad skillz.

It's because they want 900 years of experience to apply for the job.  But how do you get the experience if you can't get a job in order to GET experience...

It's because many jobs that require mad skillz are now in low demand and often outsourced overseas, where believe it or not, people are just as smart as we are and pick up the mad skillz rather quickly. Only they don't need as much money.

Well, when we can't buy the products they want to sell us, they will have to start paying the others lots' more money so they can buy the same stuff. Then WE can undercut them.

So am I! (High School)

...combined.

sturner wrote:

Well, when we can't buy the products they want to sell us, they will have to start paying the others lots' more money so they can buy the same stuff. Then WE can undercut them.

Fortunately for us, developing nations characteristically pay low wages during their early, explosive growth phase; then, as most employable folks enter the workforce, cheap labor begins to dry up and wages begin to increase- supply & demand. China seems to be on the brink of that; if we're lucky, soon India will be there too- but of India I have less knowledge.

sturner wrote:

I've been out of high school longer than both of you have been alive.

Fixed that fer ya. Hey, it applies equally to me!