Posts by Alexander Phillips3

So, what’s actually the catch between A and B? Like, why would anyone shell out extra cash for one over the other? Is it just because having a guarantor or two isn't strictly mandatory?😁

Edward Evans7 said:If you’ve got your affairs in order and are ready to make the jump over to them, you can set up a loan and bundle in a State Farm policy to handle the administrative side of things. They're offering terms up to 10 years, and if we're looking at a loan amount of roughly $20,000, the breakdown looks like this:

Over a 120-month period (10 years): $483, Insurance option: CPI A (6.70%), $2903, CPI B: (4.60%), $1993. Of course, you can opt out of the insurance entirely if you prefer.

This is just a standard unsecured personal loan in USD.

Web: https://www.jpmorganchase.com/personal/loans/personal-loans

Contact: 1-800-0600, info@jpmorganchase.com 🙂
By the way, JPMorgan Chase also offers auto loans:
https://www.jpmorganchase.com/personal/loans/auto-loans
The repayment term goes up to 10 years.
For more details, feel free to reach out via email at buyauto@jpmorganchase.com 🙂

Edit: There are plenty of other banks that would likely approve you without blinking, such as Silicon Valley Bank or Bank of America.

What exactly are CPI A and B? And with that extra insurance, we're talking $15k on a $20k loan?

bluebadger95 said:When is the government actually gonna drop those self-isolation checks for November?

Still hasn't hit my account. 🍿

I guess we shouldn't be surprised when people don't bother reporting their isolation... maybe because they actually need to eat.🤦

Anyone here have some firsthand intel on what actually goes into the creditworthiness calculation? Are they just looking at the raw net pay, or do things like travel stipends and meal allowances get tossed into the mix too?

It’s actually wild how things work out. You somehow manage to slip through the cracks during a free COVID test, only to have it come back positive automatically when you aren't even there.🤣

Kenneth Nelson26 said:That’s exactly what worries me too.

Everyone living paycheck to paycheck is terrified of this nonsense.😁 How does it even work? Most people I deal with barely know my name, let alone anything else. They have my number, sure. But then what? I just hand over some cash and suddenly I'm off the hook?🤣

wanderingbadger77 said:Nah, nobody's gonna stay home for that kind of cash. They need a raise, plain and simple.

Fine, maybe they take less, but my neighbor got about $250 just for 14 days of isolation while making $40,000 a year. If they were pulling in $80,000, how much would they get—maybe $2,000 or $3,000? Honestly, it’s no surprise people hide their contacts when the pay isn't even remotely fair.

vividjackal4 said:Look, here’s how it works. If you're on regular sick leave because you're actually ill, your employer covers at least 70% of your pay (or more depending on your contract) for up to 41 days. But with this whole quarantine thing, the Social Security Administration picks up the tab immediately, and they just pay out a flat maximum of $1417 for the entire month. In real-world terms? If you make $2000, you get your daily rate for the days you actually worked, plus whatever difference there is from that $2000 amount during the $1417 days you were stuck in isolation. Basically, the higher your salary, the bigger the gap you'll notice, but if you're pulling in $1333, you won't see any difference at all.

Sent from my Samsung Galaxy A70 using Reddit

Talk about a recipe for financial ruin. Back when the isolation period was 14 days, you were basically getting $700 for half a month—good luck with that. Plus, since anyone can report you as a contact an unlimited number of times, you could end up stuck at home for ten days at a time with zero dollars coming in. But hey, 90% of this country is living on minimum wage anyway, so I haven't seen anyone complaining about losing a few thousand dollars. If you're making $4k, you might as well stay home and rot for 10 days for free.

$1467/mj is the absolute ceiling for all this COVID nonsense, so just do the math yourselves. The higher the stimulus check, the more expensive it gets for everyone to just stay home and do nothing.

What happens to the people who don't have a doctor's note just to take their dog for a walk through an empty forest?

Angela Chavez11 said:You're missing way too much for someone who claims to be working with "facts"... 😉

Don't sweat it. The agencies are doing their jobs, and right now, they’re doing a stellar job here in America...

Are there elections on the horizon or something? Seems like the trolls have already been activated. God bless the establishment, I guess.🤣

Angela Chavez11 said:Haven't seen a police patrol like that in 30 years.

Where does it say you have to wave through a window? It just says you aren't allowed to leave your location—though we're seeing more exceptions lately, but that's a whole other discussion.

You claimed it’s a fact that if, say, the police knock and nobody answers, a fine is automatically issued. Even if a fine is issued, it can be contested in court.

All in all, aside from those few spring incidents that were basically media stunts for publicity, the police are handling this professionally and rationally. Same goes for the CDC. No need for folk wisdom or anecdotal "facts." The institutions have things under control.

What’s even the point of self-isolation if you're just going to bark at everyone online? Who knows where people end up? Why are they even knocking on doors and checking apartments to see who's home? Honestly, go ahead, keep playing the internet warrior. It suits you.🙂

Angela Chavez11 said:That penalty only holds water if they catch them on some other public or private property... or if there's unbiased testimony presented during the trial.

Then why on earth is the police force driving around checking on people in quarantine at home, forcing them to wave through their windows?

Angela Chavez11 said:The fact is, you just made that up.

And why on earth would I make that up?

Look, whatever she was rambling about doesn't change the reality. If you can't find them at home, they've either wandered off to some massive blowout party or disappeared into the woods to go chase a dog. =kazna

In my neck of the woods, those guys on the list roll through almost every single day. You’d be better off sleeping in or, God forbid, taking the dog for a walk in the woods behind the house... just pure stupidity at this point.

silentskipper3 said:Of course you can.

I guess I'm honestly a bit worried about a spike in people taking sick days soon. Instead of dealing with a ten-day quarantine, maybe all it takes is claiming you have the flu, faking the symptoms, spinning a quick story, and boom—you’re just staying home from work while testing negative.

Honestly, I think everyone’s dream is to call out sick and just hang out at the house, waiting to see if the local police decide to drop by for a wellness check.😵

Gary Martin12 said:Can someone please clarify what "close contact" actually entails? For instance, if an infected person was standing just a few feet away from me while handing me something, then left—that’s maybe three minutes of interaction. In that scenario, would I be considered a close contact?

Depends on whether you’re part of the political establishment or not...

Theoretically, you decide to take the dog for a stroll 1.2 miles through the meadow, but you have to dodge the local police first, right? Because apparently, there are $2667 penalties now? Or what if—God forbid—you get hungry or thirsty and need to hit a convenience store? All while, say, 20% of the country is out wandering around spreading the virus because nobody bothered to tell them they were actually contagious... absolute joke.