I am extremly lucky with my one horse construction company so far this year. However my town is dead in the water, many folks without jobs. The few factories we have are pretty much shut down.
Just this evening I was in a house to look at a project, three years ago the house sold for $76,000.00, the guy that purchased it now purchased it for less than $20,000.00. He would not say the exact number, and it was none of my business.
For all of us that are OK, how many have had health issues, lost our jobs, divorce, death in the family? How many will admit to getting help from home, getting a boost when they purchased a wedding ring? We all like to call this good managment, hard work, and on and on and on. I have got none of the above, but I am just pure lucky to survive. I'm not super smart, or anything of the such---just good timing probably as much as anything. I'm poor by most standards, but very lucky to be alive and healthy. Often It is hard to remember however.
Once our home town folks lost their jobs, they lost their health insurance. Not to many can have a clean bill of health to get insurance off the street now.
Like I stated before, I do construction, one of the things that concern my job is anybody can do carpender work if they get laid off. We see that often, and I usualy get involved with those projects by loaning tools. Nine times out of ten I usualy get very involved AT A LATER DATE. I am very gun shy when asked to look at a project that was just done. Now I'm asked to do a total redo at no cost for some reason. Usualy the budjet is gone, and good materials are going to end up as scrap in a dumpster.
We still have some folks that spend more than anyone can see making sence, but that does not make everyone in my town stupid, lazy, poor managers or careless---they just have few jobs.
I live kinda close to where the biggest raid on a packing house took place a year ago. Some folks lost alot of money, had morgaged their homes etc to make a profit from a good going thing a few months before all heck broke loose.
The lenders, and bankers are doing just fine, the folks that owe are on a different page.
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