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How is it fair to all those who didn’t get paid to stay home?
Use your student loan logic.
I'm not following your comment
If the government forced people to stay home and then gave the employers money to pay those people that closes the loop
You want to know if its fair for the people that stayed home and didn't get paid
Were they employees?

Personally as an employer we were not allowed (or supposed to be allowed) to submit for PPP money

For example in my company
We have an office staff of 3 plus me
We submitted to be reimbursed for paying a percentage (I cannot remmeber the percentage) of the 3 employees missed time at work, I was not allowed to submit for my time (but I didn't really miss work so I shouldn't of either way)
Our field guys were never missed any time

Not sure how my student loan logic ties in

Ask or comment if you care for a response
 
"Fairness outrage" seems to be the latest conservative trend. Basically, they get outraged when something happens to one of their idols, but they feel it's not fair because one of their enemies did something vaguely similar, but wasn't punished with death. Therefore their hero is exempt or is in a witch hunt.
I'm sure you were trying to make a point here
 
NOT SURE WHAT HAPPENED UP THERE^^^ Sorry

Question and am not looking for a fight. For you, if you were to use undocumented immigrants, it it cheaper to hire them and are they more available than documented or American labor. Those skilled workers in the Northeast, were they Unionized? I know some guys in the Trades who worked their way up through laborer to journeyman because of the schools that the Unions started. I also remember the Tech Schools where half the day you went to school and other half you attended vo-tech. What does your starting pay look like?
Bob
I know you are a good person, your comments will never be taken in the wrong light and I appreciate your time
I can only speak to my personal experience
I moved to this area about 10 years ago
Where I came from our labor was very skilled and tradesmen took pride in their respective craft
Knowledge was passed from old to young so skills were being passed down
The way the system works around here is nothing like the system up north

For example
In NJ we (my wife and I) had a construction company and a millwork shop
Lets focus on the millwork shop
Where I was located there was a trade school 20 minutes north of us and another 20 minutes south (we were right on the coast)
The kids would go to school for 2 hours in the AM and then get bussed to our shop
Our program (which had to be approved by the school) was to put 1 student with 1 carpenter
This student helped that carpenter for 2 semesters (about 5 months)
Every week we would give that student another tool. First week a tool box, next week a hammer, etc
It was great for everyone involved. The carpenters in our shop were older gentlemen that didn't work in the field much anymore, they were able to teach a kid that wanted to learn and the kid got to learn at a slower pace with real world hands on experience.
It was cool to see the bond between each set of guys.
If the student had an attitude or was lazy we didn't accept him anymore
It was great for me because I paid 1/3 of his salary, the school paid 1/3, and the state paid 1/3
If the kid was a good worker and he liked us he would stay for 2-3 years and then when he was done school we would hire him full time
This area would benefit greatly from this scenario

Now lets look at this area
There are very few American tradesmen locally
Take a kid getting out of high school
He can come to work for a contractor and work out in the sun all day and take home about $1k a week or he can set up beach chairs or be a waiter or some other tourist job for a little bit better money and not have to work as hard and maybe stay in the AC most of the day
That being said the kid usually chooses the easier path
Now fast forward 10-15 years and that same kid is making about the same money and has not developed skills that are worth more to the free market
That person is now stuck where they started

Now in direct response to your comment
When I first moved here the illegals made a little less then a comparable American for the same work
Now I would say they make the same if not more
It is way easier to find illegals willing to work as opposed to Americans
Up north a lot of guys are unionized but the unions aren't all they are cracked up to be
Guys left due to a lack of work, expensive dues, not much room for advancement.
We would get union guys sometimes but I tended to stay away from them because they were usually a headache and they were very set in their ways

Pay in our company varies based on our perceived value
We are set up a little different then most local builders due to our background
Up north we only build 2 homes a year but they were big homes (7500 sqft and up) and we did the majority of the work in house
Here most of the builder are construction managers (meaning they don't put on the tools and do field work)
It was hard for me to try to transition to the way most builders work here
We have 2 supervisors that oversee and work on their projects
We have 3 carpenters, 2 skilled helpers, and 4 laborers
Our 2 working supers make over $100 per year and are great (I brought them down from up north)
Our carpenter make around $36/hr
Our skilled helper make around $29/hr
Our laborers make around $25/hr (a little less if they don't know english yet)

We try to treat our good guys like family and they appreciate it

As an outsider that loves the area I would love to see the following as far as construction goes
-trades schools for kids that want to go into our line of work
-english lesson for the illegals that want to learn
-access to work visas so the illegals aren't so scared all the time
 
Something will have to give. Most homes have mortgages. Lenders require insurance. Lenders want to be paid first and foremost. Homeowners have to pay electric, water, mortgage, insurance - in what order do they pay if limited on funds?
I'm afraid it will get worse before it gets better
As far as what order to pay in I'm not sure
 
But isn't that with any business whether they have investors or not. They will push that market for the profit. I am just curious what the Insurance Industry didn't get that made them decide to exit?
Bob
We have an investor who builds spec homes locally that is part of an insurance company
From talking to him their company and their investors have decided its not worth the risk to provide insurance in a couple of states Florida being one of them

I think insurance is a great business until you have to pay out
 
Bob
Of coarse someone will do it but the rates they charge will be in line with the risk they feel is making the juice worth the squeeze for them and their investors

The more storms we have the tougher and more expensive its gonna get
Maybe you should look into the salaries versus work product from time to time of insurance companies. Then look at their operating expense (not property liability). Then look at the assets. I think you will find a healthy dose of reality. Yes global warming is causing storm intensity and sea level rise but unchecked greed is also a big problem in that business.
 
Bob
We have an investor who builds spec homes locally that is part of an insurance company
From talking to him their company and their investors have decided its not worth the risk to provide insurance in a couple of states Florida being one of them

I think insurance is a great business until you have to pay out
These guys are very good at blaming everyone and everything on litigation. Litigation is a check on the ridiculousness of the way they form contracts with property owners. If you don't believe me go read your insurance contract.
 
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