#CancelRent

How we gonna pay

How we gonna pay

How we gonna pay

Last year's rent?

I read that 1/3 of the country didnt pay rent last month. I immediately thought 1/3 of this country is about to be homeless in 60-90 days . The courts will be choked with evictions,watch and see .

It's the FIRST thing I paid last month and this month....even though I've been furloughed since March 23rd. It's called an emergency fund, stupid.

Stop eating out several times a week Stop buying shitty, overpriced exotic coffee Stop with the car payments that weigh you down Stop with the credit card use, no matter what a bum actor tells you

Landlords are not your banker.

Many tenants are being opportunistic and taking advantage of current circumstances. This makes it difficult for landlords to give breaks to those who really need it, because the rest of the tenants jump on the bandwagon and then the landlord can't afford to run the building.

I have and will continue to pay my rent. My landlord isn't responsible for what is going on and has his own bills. I won;t break the agreement I have unless I have to.

I have been able to pay bills with the added $600 to the stimulus. I cook all my meals. Gas is cheaper and I fill up every 3-4 weeks because I have no where to go. I got a french press and make my own coffee. Dry cleaning is none existent. Hair is just growing, missed my last cut. No money spent socializing. My car insurance gave me money back.

If people don't pay the rent, get ready for zero maintenance. Fix your own shit, freeloader.

If I have to break a lease to move, will I be sued to pay off the lease? Serious question.

You could be, R7. That's how leases work. They're contracts.

OP, you seem to think all landlords are filthy rich slumlords or something like that. Nothing could be further from the truth.

I own a house. The only reason I am able to stay in my house is by renting out the spare bedrooms. If I don't get the rent money I can't pay my mortgage and taxes and insurance, and pay for all the other expenses that keep this house a nice place to live. If I lose my house because my tenants don't pay the rent, four people will have nowhere to live.

Multiply that by millions of "landlords" in a similar situation.

r3 sounds like a great person ...

At least he takes responsibility for his own shit R10

My apologies to the OP - he didn't actually sneer at landlords. But so many people demanding that rent be forgiven, are. It's all about them, with no consideration for the "landlord".'s financial situation. We're all in the same boat, people.

R5–I love how you say you will pay rent...until you can’t. Lots of people are already there. So, I guess they are spendthrifts and freeloaders, but if you run out of money....well, you had good intentions!

This is the thread where we act sanctimonious because WE planned and WE saved our money unlike YOU. If you're unable to pay your rent, remember: it's all YOUR fault.

For May, my landlord rigged the online rent payment portal so that you have to sign up for automatic monthly withdrawal with bank info or credit card (with extra fee for credit). Before I would just sign on once a month and pay the rent without storing my info, but that suddenly stopped working when I tried to pay on the 30th. Also, no checks accepted. And they're jacking up the rent in July. Ain't life grand.

And from the dimwit in MN.....

The thing is, most landlords have nothing to gain right now by evicting someone. Mainly because the last thing the majority of people are doing right now is renting/buying a new place to live.

If you're not going to be paying rent, then the landlord would like you out as soon as possible to get the apt turned over and rented to someone who will.

R18 see R17. Different circumstances now

R15, you should complain. Your state should have a hotline you can call. Your landlord is being shady. They may even be in violation of the trems of the lease.

"I own a house. The only reason I am able to stay in my house is by renting out the spare bedrooms. If I don't get the rent money I can't pay my mortgage and taxes and insurance, and pay for all the other expenses that keep this house a nice place to live. If I lose my house because my tenants don't pay the rent, four people will have nowhere to live."

Here's a pic of R9 and his tenants...

If cities want to put a hold on evictions they should also do something to help landlords as far as city fees and taxes apply to them during this period.

WWWX10000 R21!!

CancelRent = CancelYourHome = HelloCardboardBox

[quote]OP, you seem to think all landlords are filthy rich slumlords or something like that. Nothing could be further from the truth.

Exactly. And our state governors are just as tone deaf as the idiots described @ R9. You can't prohibit tenant evictions without corresponding legislation prohibiting banks from foreclosing on landlords who can not pay.....because their tenants don't have to pay them rent.

Another dimwit. And to think that there are people who want to give these dimwits more power and control over their lives.

Not at all r19. Tenants who don't pay incite others to not pay. They are putting wear and tear on the unit while not paying for it. If they don't have enough of a rainy day fund to get through a couple of months then they will never be able to pay back missed months, their debt just keeps growing and the landlord-tenant relationship just gets more difficult. I'd rather get them out quickly and and go vacant than leave a tenant on lease knowing full well that the nightmare liability is growing each month. I'll get a paying tenant in quick, believe me, a lot of people are going to have to change 'positions' in coming months.

Ed O'Neill and Amanda Bearse on "Married with Children". His comments about her are borderline homophobic.

You shouldn’t not own a house if you cannot afford it without three renters, R9. Mortgages aren’t given to prospective landlords that can’t pay the mortgage on their own. I highly doubt you actually own a house, and if you do and can’t afford it without three additional people living there and paying YOUR mortgage and taxes, you should NOT be in that home.

*You shouldn’t own a house ^ obviously.

Dear god, you people are retarded. People who have Fannie Mae and Freddie Mac mortgages don’t have to pay mortgage for a YEAR and there will be no foreclosures during the pandemic.

Landlords ARE getting huge breaks. Full stop. Calm down.

[quote] Stop eating out several times a week Stop buying shitty, overpriced exotic coffee Stop with the car payments that weigh you down Stop with the credit card use, no matter what a bum actor tells you

Stop repeating FOX News talking points with horrific formatting.

The last people I will ever feel sorry for is corporate landlords. They’re the scum of the earth. Look at Kushner Co. watch their episode of dirty money on Netflix.

My rent?

Free.

He even pays the utilities.

If you just pray, the Lord shall provide.

I was hired for a part time customer service job. The company never gave me a schedule and then terminated my employment without explanation.

Can I collect unemployment?

[quote]People who have Fannie Mae and Freddie Mac mortgages don’t have to pay mortgage for a YEAR and there will be no foreclosures during the pandemic.

Is interest accruing on 'deferred' mortgage payments through Fannie Mae et al?

It’s the first thing I pay. I would be scared to not pay my rent for a couple of months

They suspended the ability to evict tenants who lost jobs in my county.

That’s shady AF, r15.

Everyone in your building should STOP PAYMENT at your bank and send cash or Paypal late.

Right, r31.

Our landlord told us we could skip rent if we can document loss of income because there is state and federal bailout money for landlords.

We took a weekly payment plan and finished it.

R15 where are you? I don't think landlords are allowed to raise the rent durning the pandemic.

R29, many houses in Brownstone Brooklyn have additional units (e.g., parlor floor) that are rented out to basically pay the mortgage. Also, who the fuck are you to tell people how to manage their lives and their living situations? The renters do not have to rent the rooms. Some people can't afford to rent an entire apartment for many reasons.

Landlord-tenant law varies drastically from state to state, but in general, the law disfavors anything that promotes vacant or unused property. Therefore, if you break your lease, the landlord must actively try to re-lease the property and if it does so you will not be liable for the rent if the property is re-leased. The landlord cannot sit back and expect to collect your rent while doing nothing and cannot collect two rents on the same property. The law tends to be pro-tenant in states where there are a lot of renters (like New York) and pro-lessor in states where renters have little political influence.

Also, many landlords are already getting mortgage relief, so why shouldn't this be passed on to their tenants?

[quote] Full stop.

*eyeroll*

[quote] Therefore, if you break your lease, the landlord must actively try to re-lease the property and if it does so you will not be liable for the rent if the property is re-leased. The landlord cannot sit back and expect to collect your rent while doing nothing and cannot collect two rents on the same property.

Be careful with this advice. Some leases specifically state that you’re responsible for the entire term. For example, if your rent is $1,000/mo. you owe them $12,000. They’re letting you pay them back at $1,000/mo. If there were no consequences to breaking a lease, people would do it more often.

Trying to find another tenant, especially on short notice, is time consuming and expensive. They’re not going to just let you break it without consequences.

Wrong R29. Banks DO account for rent in their calculations of what borrowers can afford. How do you think landlords own several properties with rent as their sole source of income? They aren't paying cash to buy them. Lenders are financing those purchases and underwriting them with rent as the primary, or only, source of income.

[quote]Dear god, you people are retarded. People who have Fannie Mae and Freddie Mac mortgages don’t have to pay mortgage for a YEAR and there will be no foreclosures during the pandemic. Landlords ARE getting huge breaks. Full stop. Calm down.

No. Banks are giving mortgagees a three month forbearance. Those payments are not forgiven, just delayed. So when things get back to normal, they will have bring their accounts up to date. Are tenants going be able to do the same? Pay back three months delinquent rent when things get back to normal? Not likely. They want forgiveness. Why should they get it if landlords don't?

Yes, only Republicans wouldn't want this.

i never realized (even in my own huge family) how cash poor they are.. they all have jobs, but yet after only a month and a half are THAT desperate? really? i'm thinking, no savings? no 401k they can withdraw cash from? obviously no emergency savings of month's worth of living expenses? and i think WHY?...

didn't plan ahead?...

living beyond their means for years and years?...

and i'm guessing their all going to get the stimulus check, and unemployment and so on.... i'm dirt poor and yet even I have 10 thousand in the bank just in case.. i say this because they have all started coming around to ask my elderly parents for a "little bit" to help them out (i.e. a thousand dollars or so).. and i think "but why"?... course it's none of my business, i'm just trying to understand.

i guess alot of americans truly do live paycheck to paycheck and yet they don't or won't get 2 or 3 jobs if necessary so they don't fall into this crisis again for any reason? maybe they can't get another job, because they can't get hired or not qualified i don't know.. I'm not talking a 2nd great paying job, i'm just talking a 2nd job that would bring in i don't know a couple extra hundred dollars a week that is all..

If the government isn’t going to allow people to work, they should pay it.

R51 sounds like a Nazi.

Let’s not forget how much people are paying in medical bills. The US has turned third world.

[quote] and i'm guessing their all going to get the stimulus check,

Oh, dear!

Based on your writing, I’m guessing you didn’t finish the fourth grade.

[quote]alot of americans truly do live paycheck to paycheck

Yes, and they often spend on frivolous things instead of saving. Tattoos are a good example. I have an acquaintance who is always complaining about not having enough money, yet she's forever getting new, elaborate tattoos. And she smokes--another expensive habit. This is the same person who has a tooth missing that shows when she smiles. She'd rather smoke and have a new tattoo than get her teeth fixed.

R55.. please correct my inglorious faux pas...

Yes, R56, Americans wouldn’t be bitching now about struggling to make ends meet during a once-in-a-century global pandemic if they hadn’t been spending so irresponsibly on lavish tattoos all these years. Spendthrifts deserve no sympathy!

This is what happens when you force people who live paycheck to paycheck not to work for over a month. We should have started soft re-opening two weeks ago and large swathes of the country should have never shut down to begin with.

WHY DO PEOPLE work paycheck to paycheck? no serious question...

i mean if one doesn't have any education or qualifications or experience to have 1 great paying job, they work 2 or even 3 jobs even though NO ONE wants to, to afford their lives and living within their means right?.... (that is what i have done in the past, and what i'll probably do in the future until i retire)...

WHY DO PEOPLE who do make good money are at the same time so clueless to NOT have savings? to NOT have months of emergency savings and so on? besides the obvious living BEYOND their means.

i'm seriously trying to understand these 2 groups..

We called the bank about the mortgage relief - basically, for three months you don't have to pay the mortgage - but in the fourth month, all four monthly payments are due at once. It's bullshit.

R60 Honey,pretty much everyone I know lives paycheck to paycheck because thats what it takes just to keep body and soul together. Thats the basics,nothing fancy like trips or expensive crap . Very few of people I know live beyond their means . Have you seen the cost of living ? Not everyone has $200,000 a year jobs .

r45, is the relief a temporary delay of paying? If you can pay you pay, if not you get an extension. You still have to pay. Are mortgage payments being cancelled or delayed?

r60, good money. I've been underemployed for over 10 years. And with 2 -3 jobs there has been no ability to save, just exist in no luxury. But I pay rent first. Still just getting by.

R64, you sound like a sucker. Where did you get the idea that it’s reasonable for people to have to work as many as THREE jobs just to get by? Who sold you that bullshit and why did you buy?

"Per Fannie and Freddie guidance, servicers of federally backed mortgages are instructed to contact borrowers around 30 days before their forbearance ends to determine an appropriate “workout option.”

Depending on the borrower’s financial situation, such options will likely include simply adding the missed payments to the end of the mortgage, which many consumer advocates believe to be the best option for many consumers who can afford to restart their monthly payment. “It’s the simplest, cleanest way to do it, for everyone involved,” Sitkin says.

Others will be asked to catch up to the original payment schedule by resuming their full monthly payments and making modest extra payments over a period of, say, one or two years.

Borrowers who are unable to resume full payments, meanwhile, could be required to go through a formal loan modification process, where their payments are lowered and the term extended further into the future.

Those unable to pay anything going forward, unfortunately, may lose their homes to foreclosure."

In other words, if owners are getting a three-month free ride which they only have to repay at the end of their mortgage, that free ride should be passed on to renters. Sure, the length of the mortgage will be extended three months, but presumably, there will be other tenants in place at that time onto whom the payments will be passed.

It may seem weird to people, but Anglo-Saxon law (common law) does not assign a moral judgment to breaking a contract and we do not recognize contract "penalties". Generally, the sole remedy available to someone whose contract has been breached is to be put back in the position he would have been had the contract been performed. If someone else rents the apartment at the same price, then the landlord would be back in his original position and requiring the original tenant to continue paying would amount to a penalty.

My landlord offered to reduce my rent for the coming months...with the caveat that I would have to pay it back later. So I decided to just keep paying full rent now, since I would owe it later anyway.

R62 and R64... i just don't get it, i mean i live in the midwest (near a major u.s. city) and i can LITERALLY live on 30 thousand a year and have a nice apartment for 1000 a month... i work 2 jobs and do side jobs as well to make over 50 thousand a year, so i literally save between 20 to 25 thousand a year every year, and yes, every year i take a vacation too, usually to visit relatives across country..

this 30 thousand a year (after taxes) i pay my rent, my school loan, food, utilities, health supplements, gas, gym, phone, miscellaneous and i'm okay...

so i'm not trying to be a ass, but i don't see how and why so so many are struggling especially in cheaper parts of the country to live in?.. i plan on working until i'm 70 and then do some traveling to other countries. i should have something over 750 thousand saved up to live off of NOT including my social security.

You like saying literally, don’t you?

R70 i know i do.. sorry...

I luv ya, r71.

All in good fun.

Throw some kids in the mix,then get back to us R69 .

I’m not him, r73, but I don’t have kids either.

Why? Because I can’t afford them.

Maybe he thinks the same way.

R74..i do think the same way... if you can't afford kids, then you can't afford them.. i once heard someone say "if you wait until your financially, physically and emotionally ready to have kids then you'll never have them!' to which my reply was "then you shouldn't have kids"....

i mean seriously doesn't anyone whose struggling with kids, think about 5, 10, 15, 20 years into the future?....never mind, those who cheat the system, single mothers for example and PURPOSELY keep on having kids knowing the government will help them out (i.e our taxpayer money) and the more kids they have the more refund they'll also get during tax season, i'm talking about the married couple who either one works or both work and are struggling who have kids...

i know i'm going to get hell for stating the following but it's like when i think of people coming over the border to make a better life for their family and crossing the border illegally. i think to myself "if making a better life for your kids and your family and being able to afford them is crossing into another country illegally then perhaps just perhaps you/they shouldn't have had kids" i mean birth control anyone? cheap as can be.

[quote]In other words, if owners are getting a three-month free ride which they only have to repay at the end of their mortgage, that free ride should be passed on to renters. Sure, the length of the mortgage will be extended three months, but presumably, there will be other tenants in place at that time onto whom the payments will be passed.'

Not too bright are you, R74. There is no "free ride" for landlords. They won't "have a new tenant" to pass on the deadbeat's delinquency to at the end of the term (when....in 20-30 years? LOL).. Very few LL's keep their mortgages until the end of term. The vast majority of mortgage balances are rolled into a refi or paid off in full when the property is sold. In either case, the landlord is stuck with the extra payments he didn't get paid by deadbeat tenants who bought tattoos and cigs when they got their stimulus checks instead of paying their rent.

Sorry R74. That^ was for R67.

Cancel rent, hell no. Government helping people who need help to pay their rent, hell yes!

Here in the UK it's very difficult to evict tenants in ordinary times (takes over a year). Plus the poorest are the least likely to be evicted as their rent is paid for them (same with property tax).

They also almost never disconnect utilities either, offering pre-payment meters instead.

The not too bright solution is to force everyone - landlords and tenants - to pay at a time when everyone is short of cash due to an entirely unforeseeable national disaster so that everyone ends up evicted or in foreclosure and a decimated and impoverished nation has to try and rebuild from zero once this plague (and the corrupt and incompetent administration that allowed it to fester unchecked) is finally over. The final result will be a massive transfer of wealth to the banks and Wall Street as America plummets even faster into Third World status.

[quote] rd kids, then you can't afford them.. i once heard someone say "if you wait until your financially, physically and emotionally ready to have kids then you'll never have them!'

I hope you gave them an ‘Oh, dear!’

[quote]i mean seriously doesn't anyone whose struggling with kids,

Oooh, I guess not.

In the future, landlords will demand not only to see your credit history but also a letter from your bank verifying the amount in your savings is above a minimum threshold.

R82.. probably, i wonder what the calculation for the amount of that threshold would be in regards to savings?...

I had to submit my two most recent paystubs to verify that my rent payment would be no more than 1/3 of my gross monthly pay. Maybe now they'll want to verify that your bank account has enough money to cover at least two months' rent. Or, they can jack up the security deposit to cover two months rent...and you get it back at the end of your lease.

R84... interesting to know... good luck to those who live in l.a. since supposedly over 50% technically can't afford to live there and their rent/mortgage is 50% plus of their monthly salary.

[quote]In the future, landlords will demand not only to see your credit history but also a letter from your bank verifying the amount in your savings is above a minimum threshold.

Where do people get these ideas? In the future landlords will demand only what they can get as the bargaining power between landlords and tenants evolves and as new regulations come into effect. Ideally, tenants would pay all 12 months' rent upfront but if landlords demanded that they would have a lot of empty apartments. Ultimately, market practices are a product of supply and demand and the results of pro-tenant regulations that may restrict practices that the naked law of supply and demand might otherwise permit.

I would be happy with getting my rent reduced slightly for the amenities I'm paying for but not getting right now like the fitness center, pool.

R51, never underestimate how financially foolish, irresponsible and illiterate most people are, though it is all quite simple and logical.

R53 is one of the above, I have no doubt. He can't be too smart. either, if name calling is all he can do. Hey, R53, stupidity is a choice.

[quote] Ideally, tenants would pay all 12 months' rent upfront but if landlords demanded that they would have a lot of empty apartments.

Except in places like NYC and Coastal California and Seattle and the nice parts of Boston and DC

The median income for most Americans is $31,000. That's what most people make. If you make more than that, you're doing good.

The median cost of housing is $200,000.

Most people cannot save because life is not set up for any of us to really get ahead. Sure, you take on a second job to pay some bills, but then something happens like a car breaking down, a pet or child gets sick, a dental emergency and all that money you were saving away is suddenly gone.

It took me 50 years to realize the game is rigged. This life is one big joke and we're the punchline. Employers pay us JUST enough to keep us in debt. JUST enough to keep us working forever until we die. And god forbid you get sick in America because well, you might as well just die. Medical bills, even with insurance are also a joke here.

I'm kind of hoping I get the virus because I doubt I'll survive and I'm not sure I want to wait around to see what's coming after all this. It's going to be uglier than it already was.

It can take years to build a savings account that can keep you afloat for several months. And if you're putting money in your savings account each month, then that means fewer dollars are being added to your retirement funds. So, you can build a nice savings account at the expense of your 401k. Or you can neglect your savings and put all your extra money in your 401 and hope that the market doesn't crash just before you retire. My aunt was due to retire in 2008, and she got fucked. Not that she was expecting a fortune...she had built up tens of thousands. But after the crash, she had very little. And the meanwhile, her taxes went towards paying the hefty pensions of gov't workers who earned four times more than she did per year.

R90, by chance are you a motivational speaker?

r65, I studied the arts.

r69, I live on the coast.

r64, I studied the arts. r69, I live on the coast.

sorry to type it twice. Didn't appear ^^

R96 what did you study in school? Where do you live?

Way too many people have the attitude that the world owes them, that all they need to do is show up and be paid 6 figures. It doesn't work that way. Did you get an education in a marketable field? Did you take chances? Did you teach yourself about money and live within your means? In your work life, did you see everything as a project and a means to learn, better yourself, hone your skills?

If all you ever did was work in a dead end job or a menial one for 20 years, or were frivolous and economically irresponsible, that's on you. It ain't society's fault that you're broke.

Personally, yes to all of those items in the first paragraph, R98. And it's reflected in my financial position, which I am very grateful for.

SPEAKING OF MONEY AND LACK THEREOF, kind of off topic here, but as the ONLY caregiver of my recently passed away 1 parent and the current living parent who is in their early 80's and who has dementia, and who has been living with my parents for YEARS AND YEARS and haven't worked ANY job in over 3 years, the question i have is as follows: coming from a large family with many siblings, in my parent's will everything is to be divided equally between all of us... cd's, life insurance, if the house is put up for sale and so on and so on...

however, i am along with the surviving parent named to the money market they have in the bank, it was previously a savings account that was moved to a money market account for better interest rate and thus more money in it... when my parent passes, it will be under my name only and basically my money..

is it right or wrong that i KEEP this money entirely without sharing it at all with my many siblings? i have no savings, no 401 k, haven't worked like i should in years and years (at least 10!) taking care of my/our elderly parents and their 2 dogs i might add, if i had worked like i should i would have probably the amount in this money market saved up on my own!.. I HAVE LITERALLY GIVEN UP MY LIFE for over 10 years!

i'm in my 50's too, so i need to have my own retirement to worry about and of course i worry when my surviving parent does pass whenever that is, i'll have a hard time getting hired for any decent well paying job because of age and not working for a long time...

am i, would i be selfish to keep all this money in the money market? trust me, all my siblings will be getting money elsewhere as i mentioned previously..

am i legally bound to tell them about this money market and how much is in it? or legally bound to share it with them?

I am not an estate lawyer. I don’t even play one on TV.

But as for the moral question, two words: fuck no.

The legal question it would depend on their will. If the MM is “in trust for” you, it’s yours. Not the heir’s, not their estate’s, but yours.

I don’t even like that everything is split per stirpes in their will, but it’s unfortunately too late now. With one parent gone and the other not being of sound mind, nothing can be done.

R101.. thank you for you comments, even if albeit i disagree with them.. i mean do my other siblings REALLY expect and think they deserve to have equal share of the money after ALL i have done FOR YEARS AND YEARS and they haven't done anything? if so, shame on them! i mean i could have done what they did, but i COULDN"T! i couldn't say oh well mom and dad and dogs, good luck, you're on your own!

I think you misunderstood, r102. The moral question response of ‘fuck no’ was to your question of “am i, would i be selfish to keep all this money in the money market?”

My opinion: fuck no (that is to say you wouldn’t be selfish to keep it).

[quote] Way too many people have the attitude that the world owes them.

I mean, maybe but my landlord in NYC owns three buildings he inherited 30+ years ago. He doesn't really work, I'm not sure his children do, one is some sort of social media influencer... so yeah, if I can't pay my rent I don't really give a fuck what it means to his bottom line. Maybe he should have savings to carry him over.

R103.. okay, i misunderstood you then, you're on my side yes?..

when my remaining parent passes away, technically the money in this mm will be mine, i would think that NO will could touch it? i'm not sure..i should ask my bank about this. i mean when does it become ONLY my money upon my parent's death and when is it still my parent's money and perhaps i would be ordered to split it up under MY authority, but NOT my authority to keep it all?

course i'm also guessing my siblings would be like "where is the money in the savings? (some do not know it's now in a money market)..

which begs the question should i tell them about this and how much is there and how i plan on keeping it all because i DESERVE IT..

and then there is the question of along with this money market money, do i and should i also get my share of the life insurance, the cd's they had, sale of the house and so on too? am i being really greedy?....

basically? if everything went as i wanted it, i would end up with around 300 thousand everyone else would end up with around 50 to 60 thousand. actually one sibling would get over 100 thousand himself since he is to take care of the adopted child who has mental issues and who my parents put money in a trust just for him, so this sibling would get his share and the adopted child's (whose not a child) trust money as well..

At least in my hometown, NYC, landlords have been fucking over tenants for years. Even the most liberal politicians do the landlord's bidding for campaign donations. Personally my current landlord has always been kind and fair to me over the years and I will pay him as long as I can, but I've had some previous landlords who I couldn't care less about their financial well being.

So they'll be pushed into overcrowded homeless shelters where viruses thrive.