Reorg is coming and appears mainly for DC employees.
Any verified plans of VERAs, VSIP, DSR, actual RIF, etc?
Seems like the since the new administration, for USDA, that DRPs were offered and some probationary employees were canned and brought back.
Other than that its been just rumors, up to this point.
Hang in there everyone, its been a bumpy year!
I work nationally in housing and talk to people all over the country. While there are few limited markets in the US, the majority of housing market is still the same. Lots of limited inventory, pent up demand, folks sitting on 3% mortgages and wanting a different house but not for 6%+ rates, etc.
It seems like this year is even more expensive than last year. I'm in Wisconsin and vacant land is really interesting. A 5 acre parcel last year was $25k and this year its $50k. Its being snatched up by large investors.
I think if there is a real bubble in real estate.....I'm not sure what that adjustment will be. How will it effect everything....will it cause a crash.....or worse???
It seems like the only thing that will work is:
Rates come down - makes the housing payment more affordable - good idea
Extending the term - makes the housing payment more affordable - seems like a bad idea. Banks just make even more money
Home prices come down - will people sell there house then if they bought it at a higher price? Historically this doesn't happen but the premise for this sub.
Wages go up to counter the house prices - this could be feasible but talking to employers they can't believe they could raise wages anymore.
Get more houses built. This need money and the labor. Young men don't work in the trades anymore. There isn't any incentives to build houses.
Stop the short term rental / multiple house / rich people problem - too many people own multiple houses. Not sure how this can be regulated. Its not just large corporations either....a lot of private people own another house, or two, or three.
I'm 51 and the past year or two I began to feel lost. Happily married to my best friend, finances good, strong faith in God, retirement looking great, health good, empty nester and kids doing good, work a bit stressed....work for fed govt, but getting better, etc. This past fall we bought a new house and moved 15 minutes out of town. My life went to hell. I really had buyers regret, relocation issues, etc. I got depressed. No motivation. I think it was a bit more than the house. I'm getting better but feel a bit lost. Not sure if this is normal with aging. My brother passed away this past fall and my VA counselor said that having a sibling pass away can be a life changing event. I wasn't close with him and she said that didn't matter. I feel like my perspective in life has changed. My life, on paper, looks good. I have a breakdown on occasion, feel like I'm not in control, etc. I'm going to get some more in-person discussions with a counselor. Hopefully, its just a blip and I'll be back in my saddle. Any advice or stories you'd like to share would be great....thanks!
Hi - been using the VA for many years. I see a counselor every 3-4 months. I think I really need to talk to someone. I'm 51 and feel lost in life. I think I have some midlife depression/finding myself going on. Life on paper looks good but just not feeling myself. I been struggling about 5 months. They typically just want to put you on pills and send you on. Did anyone use the VA just to talk/therapy and it helped them?