There’s a brand (I think it’s a small bakery here) that uses an awesome dual-wire one that I always keep because it is more a ‘clamp/clasp’ clip than a ‘tie/twist wire’ clip
Actually the story goes different. There was no foot tequila scene planned, but Salma Hayek improvised it. It’s possible that with this scene, Salma Hayek started it all for Tarantino and his feet obsession
One thing I’ve learned on reddit is that you never tell people on platforms like that or even this one that you’re a landlord. You could be the best landlord, never raise a reasonable rent, keep a well and promptly maintained property, and LanDlOrDs aRe The ScUm of ThE Earth!!1! is all you hear.
Best case scenario, rent is low and only covers taxes and building upkeep. Then you’re essentially getting a zero interest loan since property is valuable and it’s being loaned for free.
Also, the available, functionally livable land is going to quickly get smaller with climate change. So the more viable land is hoarded, the more people are pushed into desperate and bad living situations. (For example, who are the people with homes on coastlines affected by rising sea levels going to actually sell their soon-to-be-underwater property to? Won’t it effectively be valueless under water?)
Michigan’s Upper Peninsula is being gentrified because it’s an area least likely to be affected by climate change. A lot of the mega-rich are buying property around that area.
I don’t disagree. Obscenely high rent is common and bad. That means the interest on the loan that you are getting is extremely high. The solutions would be subsiding it by government owned housing, allowing new housing (especially high density) to be built, and discouraging people from living in cities. I think we should do both the first two.
Being a landlord means being self-employed. There’s no set 8-5 M-F schedule like there is when working in an office.
It could mean meeting a contractor at 7:30am on a weekday or it could mean working on the weekend. Or staying at a property until 11pm painting to get it ready for a tenant.
There’s no set 8-5 M-F schedule like there is when working in an office.
that’s why I mentioned the weird schedule they always have. My current one has some shit like Saturday 1 pm to 4 pm and then they don’t reopen until Tuesday at noon then are closed again on Wednesday. Like what the fuck.
I never see my landlord doing shit like that. Just show people to new apartments usually.
I work from home and look outside. I see people move in and move out all the time. I rarely see the guy in charge doing anything other than handing over some keys.
it has everything to do with maximizing rents and minimizing costs at the expensive of the people living in those properties. There is a reason why there are rules about increasing rents and protests / laws against demovicitions.
What’s more pro-business than wanting the people doing all the work to get paid without the leech shareholders that contribute nothing taking all the incentive for that work?
This is a textbook case of “I don’t understand that thing, so I’m going to irrationally fear and hate that thing”. Making a comparison of two things that are completely different displays that lack of understanding.
This is a textbook example of “I can’t defend a thing, so I’m just going to say you’re wrong for disliking without offering any actual arguments for it.” Making no statements other than “No, your wrong!” Displays your lack of justification.
So while I generally agree with your sentiment, there are some obvious ways that sometime could be an ethical landlord.
What if you have a house that’s too big, so you convert a floor into an apartment? You’re adding to the number of housing units available. Should you be forced to sell a portion of your house/building to whoever wants to live there? Or should you be able to rent it out to someone at a reasonable rate? Do we want rules that discourage people from potentially adding units to the market?
I feel like the “all landlords are evil” narrative is way too simplistic, and that simplistic view turns off people who would otherwise support reasonable limits on landlords and housing ownership. Like, it’s obvious that we need limits and taxes on people who own multiple properties, and it’s obvious that there are companies that exploit renters and drive up prices, but it’s all more complicated than just “landlords evil lol”.
I rent my property because it’s the only way I could’ve bought it at my age and I use that money to pay for the mortgage of it while I live somewhere I don’t want to (under parent’s wing in a crappy city) but angry people rarely if ever consider all scenarios
Someone else is litteraly paying your mortgage for you because you cannot afford it otherwise. How out of touch do you have to be to say that with a straight face?
Thanks for the insult and making my point, I can afford it but in my country you have to make a downpayment of 20% of the value and that ate into my savings, I want to recover some of my savings before moving to another city and eating into those savings more, plus I have to wait a year for my wife’s job, is it wrong to rent it for that year before I move?
How am I making your point? You litteraly said that you could not afford the place, so you rented it out instead.
Someone is paying your mortgage for you because you cannot afford it, and then you will kick that person out when you want to. That person will then have to move again in a market that gets worse by the month.
How can I not afford the place? This is just to make my life easier I would not artificially make it harder on me if I can rent it to some europeans that will stay on a sabatical in my country.
What is my other choice? Leave the place abandoned for a year until I move? Prices get worse every year and I found a great opportunity to buy now instead of wait until I could buy it without a bank loan. Prices doubled because I waited so this time I don’t want to wait. My mortgage is 25% of my salary that’s not bad is it?
I agree, but limiting rights is not a good way to approach the issue. Raising taxation on 2+ properties is much better. And perhaps there are even better approaches, but an not an economist.
What about multiple of anything? How about 2 cars? After all, each car takes limited parking space and adds to traffic problems. How about eating more calories than one needs to live? Should we review all existing items that one can buy?
One problem at time. Using the overwhelming tactic is just that, a tactic. Just because there are other issues we face, doesn’t mean we shouldn’t fight this battle. But at the end of the day the answer is yes- we should review all existing items that one can buy. Have you seen the state of the environment lately?
How did you come to this conclusion? If someone is renting it means they they can’t pay for mortgage. Otherwise they would’ve done so. He said, that he needed to make a 20% payment to even get the mortgage. Idk how much money that was for him, but where I live that would be around 130k$. Clearly not everyone has that kind of cash.
And what’s your solution? Disallow renting properties for which mortgage wasn’t posted in full?
So disallowing renting. So you don’t control your property, which means you don’t own it but lease it.
This is problematic, since not being able to open your house is worse than having difficulties with obtaining it. I agree that generally having some people own a lot of housing units is bad, but not being able to own a house means communism. And not as a scare, but quite literally, as in definition.
If you buy it, live in it. That’s not communism, that’s taking control of a crisis. Feel free to rent out part of the house while you live in it, in fact some places are incentivizing exactly that. But owning multiple homes for profit is the problem, whether it’s by corporations or “mom and pop” landlords. It’s a problem we can and should fix.
Your assuming everyone wants to own property over renting.
House and property ownership has a lot of responsibility and expenses involved. Your water heater breaks well there is $1000+ your roof needs replacing there is 30K. All of that goes away when you rent as it isn’t your responsibility.
If you own property it can be harder and more risky to relocate. I know a few people that bought in 2007 and then were stuck as they couldn’t afford to move because they were upsidedown on their house.
Not saying renting is all sunshine and roses. I personally would rather own then rent but home ownership isn’t for everyone.
But I do think it is a major problem when you have a few companies buying up all property so no one else can afford it. But I don’t think being a Landlord is inherently evil.
In a perfect world sure, government is fully funded and runs smoothly people care about the everyone etc… etc…
But in reality I really would be very hesitant to want to live in that world. It is very scary to have a single organization control all your housing. At least with the way it currently is if you don’t like your landlord you can go somewhere else. If the government owns everything your kind of stuck dealing with the same organization no matter where you go. Governments are not immune to corruption and can screw you over even worse in some cases then an organization.
In my opinion the best solution is many private citizens and small rental companies combined with government enforcing laws protecting both parties. However one big issues I am seeing is huge companies buy up everything in a small area and build a monopolies on rentals. That isn’t good either.
Governments are not immune to corruptions, but in the democracy there are ways to influence the government. Private companies that buy all the property are doing the corruption by design, in this case it’s not even called corruption, it’s normal profit-driven business, it’s supposed to be like that. And you can’t do shit about that, there is no ways to influence them
And you can’t do shit about that, there is no ways to influence them
You influence them via your business and local laws. That is why I specifically mentioned that the best solution is having multiple small companies. If you have problems with one you go to another one. Just like what you do with any other company. Yeah it stuck to have to move but it is better move and get a better situation then be stuck in a bad situation.
I actually recently learned about housing co-ops. Basically an apartment complex led by a committee of residents. It’s non profit high density housing, so you can buy a share (meaning rent an apartment) at much lower rates. As an example, in my area the co-ops are at 1/2 to 2/3 the cost of traditional rentals. The downside is, from what I hear, the folks managing the apartment complex can be even worse than an HOA if you’re unlucky.
IMO this is the sustainable way forward for housing.
Threw down over 20k in fixes so far in our first year of homeownership, and due to interest rates and closing costs, we don’t really have the opportunity to move anywhere else without taking a significant financial hit.
Yeah but you know what, you always have a home. It is very unlikely the bank will ever foreclose on you, they rarely do that, even in 2008 almost nobody lost their homes.
But me, I lose my home on my landlords whim. At any given time I may have just 30 days to pack my life up and fuck off, and there’s nothing I can do about it.
You have stable permanent shelter. Don’t undervalue that just because you have to maintain it.
Rights that allow me just 30 days to pack up and leave.
Right now the news in my area is rife with “renovictions” and landlords kicking people to “move family in” but they never have to give any proof of those things. There is regulation, but there is no enforcement.
Definitely not undervaluing it, however it’s worth pointing out that 20k is over a years worth of rent for a similar property where I’m at.
Are you renting month to month? Typically where I’m from you sign 1 year long rental agreements, so that is surprising to hear. Additionally, in some states, if the tenant has been living in a location for over a year, the owner has to give two months notice.
At the end of the day, being financially locked down to a location vs having a “permanent” home, as well as having the opportunity to move wherever you want vs having no permanent home are two sides of the same coins.
You don’t have the opportunity to move where you want when you’re paying 50% or more of your takehome on rent. As an owner you have way more opportunity because you have equity you can leverage if you want to move. Renters have no equity.
It is the furthest thing from two sides of the same coin.
That sounds like an income vs cost of living issue to me. It wouldn’t really be feasible to move until many, many years in if you were making mortgage payments of 50% or more of your takehome.
Ngl in this imagined scenario where shelter is taking up 50% of your income, you’re kinda fucked regardless of renting or owning. There’s no way you’d be able to save enough money to replace the roof (25k?) Replace aging sewer pipes (9k to reline, maybe 15k to replace?) Or replace the windows (haven’t gotten quotes for this yet, but I’m dreading it). You’ll have to get financing for those fixes, so that’s even more interest.
However if you get a better job elsewhere, it is far easier to take advantage of that opportunity if you rent.
You have no equity when renting, but you also haven’t spent a cent on maintenance, and you don’t have to deal with closing costs, taxes, and whatnot.
Again. This sounds like more of an income vs cost of living issue than a renting vs owning issue.
Shelter taking up more than half your take home income is a rough place to be. If that’s what you’re going through I hope you’re able to get into a better situation soon. Nothing much else to say, just the well wishes of a stranger on the Internet.
No because if I owned a home I would have equity. Spending 50% of your income on shelter is a lot easier to swallow if you’re getting equity out of the deal.
If you’re renting, you get fuck nothing, even though you’re still spending money.
Out of a 2k+ monthly payment, $400 goes towards paying down the principal.
You know how much equity I’d have after 1 year? Less than 5k.
You know how much closing costs would be if I sold? Up to 32-40k.
I’d need about 8 years of living in the house to build enough equity to just break even when selling
This is of course not factoring in a single expensive maintenance item. New roof, new sewer pipes, new HVAC, new water heater will run you ballpark of 50k in maintenance costs, and those are just the big ticket items. Throw those in, and you wouldn’t even break even moving after living somewhere for a decade.
If you’re young and still establishing your career, it’s better to have the ability to pursue better job opportunities across the country while renting. In my industry it’s common for folks to find new, higher paying jobs every 3-5 years. Based on my assumptions made, if I move before 8 years, I’d have paid more owning a home than renting due to closing costs.
EDIT: This also doesn’t factor in the closing costs you’ve paid as a buyer. I THINK mine were around 10k? I’ll have to check. Google says average rates are between 3-6% of the loan amount so 10k is probably right. So add another 1-2 years before breaking even.
This is all assuming the value of your home doesn’t change at all over time, which is an utterly retarded assumption.
The reality is if you bought at least 3 years ago, it’s likely the value of your home has doubled already, putting your equity equal to your debt, without even accounting for mortgage payments in the meantime.
Oh you might also be interested to know that less-than-5k figure is about equivalent to what I can save every year as a renter. Except that’s just my rainy day fund and it gets spent on extraneous costs and I hardly actually save anything at all.
So you’re sitting pretty over there, despite your whining.
The reality is if you bought at least 3 years ago, it’s likely the value of your home has doubled already, putting your equity equal to your debt, without even accounting for mortgage payments in the meantime.
And if I didn’t? Given the absolutely asinine bubble causing the cost of housing increase over the last three years, alongside the spike in interest rates, can you honestly say the value of a home will keep going up? Fwiw the estimated price of my place has dropped 20% since I bought it. I don’t think this bubble is sustainable. The cost of rent has risen absurdly with no real cause.
Oh you might also be interested to know that less-than-5k figure is about equivalent to what I can save every year as a renter. Except that’s just my rainy day fund and it gets spent on extraneous costs and I hardly actually save anything at all. So you’re sitting pretty over there, despite your whining.
Yeah that’s fair. As I said earlier, I hope you’re able to advance or switch your career to get to a better place. Many of my friends got jobs at the local uni to leverage the tuition assistance towards a practical degree to work towards a career change/advancement, and there’s also the trades if you’re able-bodied enough.
You are basically insuring yourself against those expenses, which has a premium. If you are good with money and have a savings, you can afford not to pay that premium. Not everyone is in that position or smart enough with money. So many people are bad with money, that stuff really should be taught in school.
But you’re not researching, hiring, and scheduling a contractor to fix it. You don’t need to become an expert in long term planning and anticipate problems. You’re not mentally cataloging basic maintenance tasks like when you last painted the siding or mowed the lawn.
Home ownership vs renting goes beyond equity and I know a lot of people who were happy renting because it gave them a huge chunk of free time back for trips, hobbies, etc.
So they would still have a landlord it would be the government instead and people would be pissed when the government increases rent or throws people out because they’re destroying the place or not paying their rent…
What if I build a house on a piece of land I own and want to rent it out?
The second construction is completed I’m all of a sudden a scumbag for privatizing someone else’s right to shelter? Even though it’s a house I built on my land? Doesn’t make much sense to me.
You’re moving the goal posts here. Did you buy the land for the purpose of building property? Bad. Did you convert arable land into housing? Bad. Was it a rocky bad piece of land that you invested in to build something more out of it? Good. Housing policy isn’t binary but in most cases the current personal private multiownership model doesn’t help anyone. My perspective is no one should be allowed to own more than one house, and if so anything beyond the first house should be heavily taxed.
Buying land for the purpose of building property is bad? I think any policy that discourages development of additional housing is probably not going to be great for house prices. Or if you’re handing out houses in a lottery system, it won’t be great for housing supply at least.
I’ll give you an example; my country has food insecurity, rich people take arable farmland and build suburbs on that land instead of infilling the city downtown which has single detached homes less than a kilometre from the centre of the city. Do you think that this is a good thing they’re buying this farmland for suburbs, or a bad thing?
Make it illegal to rent out property you don’t live on.
If you want to rent out your basement, or build a seperate dwelling on your property then you are adding to the available housing and can rent that. Most people would rather build their own equity given the chance, and this would provide rentals for temporary living situations.
I think everyone in your replies is conflating being a full time landlord and a part time landlord. One of them is definitely more evil than the other.
My previous landlord was amazing. Dealt with every issue that arose in a timely fashion, never raised my rent (which was already very fair based on the location), and even installed central AC after my first kid was born since the house was old and could get pretty hot in the summers.
And she wasn’t the only good landlord I’ve had.
Sorry your experience has been bad with renting, and I agree that most landlords are terrible (I’ve had plenty of those as well), but just because you haven’t ever had a good landlord doesn’t mean they don’t exist.
No, certain corporate landlords, like Blackrock, is even. Most small-scale landlords are not inherently evil because they rent out their properties. Having a few is not “hoarding.”
Like in a housing shortage you’re hoarding property and profiting off it.
Housing shortages are caused by bad government policy: namely, low-density zoning. Direct your anger towards the entity that deserves it, and make them fix their fuck-up.
(Note: I’m not making some kind of Libertarian “all government is bad” argument here. I’m saying that in this specific case, the laws need to be changed.)
There is enough empty property to house every homeless person 30 times. Some of those empty property are summer houses and shit, but even then the problem isn’t the lack of housing, it’s treating homes as a mean to make money out of people’s basic needs. You can build the best walkable city in the world, but if it will be bought by professional landlords immediately it will not solve shit.
What’s the alternative here? Only letting big companies without any ethical regards rent housing?
Sure, there’s a good argument to be made that housing is essential to survive and as such should be provided by the government, but that’s not the world we live in. In this society, it’s likely someone is going to have to rent it out and I’d rather it be a person who actually gives a shit and can be held responsible rather than some faceless corporation.
Simple. Only individuals can buy single family homes. No renting of single family homes. And remove zoning restrictions to allow for more multifamily units.
Oh hoo hoo, when you talk about removing zoning restrictions things get hairy fast. The city of Houston has no zoning restrictions and from what I can tell (I’m not from there) some people love it and some people hate it. Apartments bring with it noise and generally clutter an area. You need nee infrastructure to manage an apartment, the tall place blocks the sun. Now if you’re in a city then you still have to think about where those apartments may be built. If they’re cheap and in a nice neighborhood then they’ll be snagged up so quickly. If they’re in a bad neighborhood then no one is going to want them. So what zoning restrictions would you recommend removing?
I’m sorry for your negative experiences, but please be mindful that not only your subjective world exists. I might have been extremely lucky, but all my previous rental places were maintained by nice folks.
My previous one hasn’t raised rent for five years, and even then he asked if it would be okay with us. Which it was, for even the raised rent was significantly below the market rate and he always responded quickly to any issues we have raised. He was a blue-collar worker who inherited a flat he didn’t want to sell, so rented it out to those who couldn’t afford to buy a property on their own.
Its not that the person themselves cant be "good" but the act of hoarding and limiting access to a basic human need, like shelter, to use it as leverage in order to extort profit from others is wrong.
Landlord-ing is inherently bad it doesnt matter if the person doing it is the nicest person on earth.
“Nice folks” doesn’t mean shit if they are paying the absolute minimum to upkeep a building and never missing a chance to raise the rent. The overwhelming amount of landlords are the above.
None of these points have applied to them. I get the feeling it might be a case of culture differences, maybe the toxic landlording mentioned in the meme is more prevalent in the US?
I’ve had shitty landlords and good ones. My current one hasn’t changed the rent price in 4 years, comes out same day or next day to deal with issues… to be honest I wish I could copy and paste my current landlord to my next place too 😭
One of my old landlords tried to charge me for damage I didn’t cause… but guess who recorded every nook and cranny in 4K after accepting the keys, and used that footage to dispute and get my full deposit back 🤪🤪
My last landlord didn’t raise my rent for seven years. I was thankful until I moved out and he still hasn’t been able to re-rent the place after two years despite dropping the rent by $100. He just didn’t want to risk losing his prize schmuck lol.
What I most hate is landlords who put an automatic 5% (or whatever) increase into an auto-renewing lease. It’s bullshit because their mortgage generally isn’t increasing like that.
Don’t be an asshole, don’t be a landlord. It’s not that hard. I’ll tell landlords to go fuck themsleves in real life as well. They are leeches on society
Not just being a landlord, owning a property at all, no matter how much you paid and when, means you’re rich…
As a couple we own a condo paid 85k in the early 2010s and a cottage paid 50k in 2020 (that was on the market for months)? I’ve had many users tell me I’ve got no business talking about the housing crisis because I’m privileged… Because the two of us are able to afford the mortgage on 135k in property???
Considering I have a very good credit score and a full time job but the banks wouldn’t lend me that much regardless if I could find a shack for that little, yea, sounds like privilege to a lot of us out here.
You can have the best credit score ever, if you’re working minimum wage then you can’t expect to get a loan. I bought the condo with 10k down making about 40k/year to give you an idea…
So? Anybody who works their entire life and can save a few hundred bucks per month can be a milliionaire. You make it sound like those working people are you enemies.
It’s true that “few hundred bucks” is enough to reach one million. But it is not for anybody. Let’s take 999 bucks, which is the maximum of “few hundred.”
If you were to save 999 bucks and didn’t consider any interest or investments, it would take you approximately 84 years to accumulate one million dollars.
However, it’s important to consider interest when planning for financial growth. Let’s assume an interest rate of 2%. Even with this interest, it would still take around 49 years to reach one million, and you’d also need to account for the impact of inflation, which can erode the value of your money over time.
To achieve your financial goals more efficiently, you might need a higher interest rate or explore investment opportunities where your money can work for you, such as becoming a landlord…
A few hundred per month. Let’s do some math. Let’s say you work and earn some form of income for 35 years, or 420 months. If you save 500 every month, you’ll have a grand total of 210.000. That’s 790k off of a million. Even at 1k per month, you’re still less than halfway into being a millionaire.
You need to have a consistent salary of over 2.380/month (28.5k/year) to accrue a total of 1 million during those 35 years. So, supposing you earn 5k a month (60k/year), and can put half of that into savings, yes, you can “become a millionaire” by the time you’re retiring.
Ah yes, tell me more about how everyone has an extra 2.500 lying around every month which they don’t need to spend at all, which they could just leave in a savings account and never ever have to deal with unexpected, unpleasant, expensive surprises.
Yes, 2500 are not a few hundred, nobody ever said that, you’re just stating truisms while ignoring the context. You might want to read about what compound interest is.
Anybody who works their entire life and can save a few hundred bucks per month can be a milliionaire.
Literal copy-paste of your first post. The math in my first reply showed you were wrong, that “saving a few hundred” wasn’t enough. Your take, somehow, was, I quote:
Your comment shows exactly why not many become millionaires, because many people don’t know how to invest.
I have literally no idea how “500 per month for 35 years will only get you 210k” and “You need ~2500 per month every month for 35 years to earn a million” could ever mean “people don’t know how to invest, that’s why they don’t become millionaires”.
My reply was a snarky “Ah yes, tell me more about how everyone has an extra 2.500 lying around every month”. Which you simply dodged because I “ignored the context” and because interest rates exist - they still won’t make less than 250k into 1 million if you start from zero. Also, allow me to remind you the context that you set up:
Anybody who works their entire life and can save a few hundred bucks per month can be a milliionaire.
Now:
I was writing about people who earn enough to save, just read my comments.
At no point in any of your other replies, to me or other posters, you ever mentioned “people who earn enough” in a direct or indirect manner. The only time you ever pointed to any group was “anybody who works their entire life”.
You can only get 1m or more under SPECIFIC situations, one of them being: IF interest rates keep a mean of 7.5% per year for the whole 35 years AND the compound happens quarterly.
Using the current USA fed rates as an example, of ~5.33%, you can “get” a million IF: the compound is calculated daily AND there’s a 2.3 variance upwards in interest rates, making it go as high as ~7.4%. Obviously, that happening later on is much more profitable than early on, when you have much less money to get the compounds on. If, however, something like the early 2010s happens again, where interest rates were below 1% for roughly 6 years straight, you won’t get to the million mark.
The fact that you never, at any point, did your part to actually try and show how, why and where my math “was wrong” shows that you’re acting on bad faith. You just say “you’re wrong” without giving counterproof. You fail to point how I’m “wrong”, you just point to a site and say it. Under specific conditions, yes, I am “wrong”, but under more likely conditions, you’re wrong. Unlike you, I’m also pointing out the where and how: most situations where interest, especially later on, is below 7%.
And you never showed why-how-where I was wrong, you just said it and called it a day. The situation where you are right is so unlikely that assuming you’re wrong makes more sense than assuming I was wrong
Please explain how to turn $210k into $1m with interest alone. I’ll even be generous and say you can take an additional 35 years of time to grow said interest.
I’ve got 70 years? At 500 per month and 4% interest that’s 2.3 million, with a contribution of 0.42 million. www.investor.gov/…/compound-interest-calculator If you start with 210k and never input anything else you’ll even end up with more.
I know it sounds like magic, but it’s just simple math.
No, you have 35 years to earn interest, because the first 35 years was spent saving the principal, remember? And remember how I said with interest alone? So no more $500/month contributions either.
So with that calculator, $210k at 4% interest for 35 years puts you at $849,611.66 with monthly compounding.
If you spend 35 years to accumulate money and never earn interest on it, yeah, if somebody is that stupid, your comment is correct. That’s nothing I ever claimed though, I assume people who save aren’t total dunces.
Getsmarteraboutmoney.ca - go to their compound interest calculator. If you have 210k and put it into VEQT on questrade and set up a DRIP, in 35 years you’ll have something like $3 million
Can you link to the actual calculator you’re using for that? That page you linked is just their homepage. I’ve never seen a calculator that accounts for a DRIP.
Your comment what so intellectual and full of information I was about to save up 10 million+ dollars and own a cheap 3 story apartment complex. I now drain the legal maximum amount of money out of my tenants. Thanks! I can now buy that 2 million dollar house I was eyeing
Yeah I’m going to slave a large part of my entire life so I can own a house, so I can then rent it it in 50+ years. I’m sure by the time you save a million dollars the houses will be worth 3 million. They are already pushing 1.5 million in major cities.
I’d rather slave to own a house than to survive, but I don’t because I’m self employed and work for myself. Each their own. However, it’s good that you’re aware of inflation, maybe you can use the fruits of your slavery to do something against it.
Yes because everyone wants to finally own a house when they pushing their late 60’s that was always the dream. Okay cool story it’s funny how you manage to twist everything everyone says but actually contribute almost nothing intellectually to the conversation. You would think someone so knowledgeable and moral like you would share their strats instead of being dismissive and ant intellectual. But hey maybe you have inherited wealth and your “job” is checking in on your building managers once a week. Each their own.
Lol, you’re the one twisting everything I say. I say “people can do X” you answer with “I don’t wanna do X”. You don’t have to do what other people can do, I’m not suggesting you do what others can do. I get it, you sound angry and bitter, probably because you see no perspective for yourself. As somebody who has been sober for more than six years I’ve seen a lot of people who feel attacked when simply shown that different lives exist. I feel you.
No you don’t say people can do X you make passive aggressive remarks on how people don’t know how to invest (you never really give an intelligent response beyond this). More passive remark, I don’t even know what “no perspective for yourself” means is that supposed to be no future but you realized it was too aggressive even for you so you changed it and now it makes no sense. I have no idea what your sober comment is in the context of. I don’t feel you, you never say anything of substance and feel you can just deflect with passive aggressive insults.
Lol, knowing what some people can do is privilege? That’s some khmer rouge level ideology, you’re delusional. Also I’ve lived long enough in abject poverty that I think you should fuck off.
I work at a credit union where we deal with a lot of smaller investors and many of them have properties where they aren’t breaking even on a cash flow basis. But they are using the losses to lower their taxable income while building equity elsewhere. They are (from tenants I’ve heard from) good landlords. Lately we’ve been dealing with a lot of realtors that are buying up properties and that just doesn’t sit well with me so I’m looking to change careers and get more into C&I and CRE rather than SFR investments. Being able to cash out 7.25 weeks of accrued vacation time I haven’t been able to take too is a big plus.
Being a landlord, making money off of the hard work of other people, and still having enough time to have a full time job “on the side” means you don’t need to be a landlord because it obviously isn’t an important job that you have to dedicate time and attention to.
Do you trust anyone to do that? How do you think we ended up with billionaires? By people being gracious? Too many people are too greedy for that to work.
There should be options for people to rent. Personally, I don’t want to own a house any time soon. That’s a lot more maintenance and repairs I’m responsible for that I don’t want. BUT, the reason it costs so much for people to purchase houses in the first place are because too many people are purchasing multiple properties as an investment, creating an artificial housing shortage. There now aren’t enough houses available for the amount of people who want to buy them, so the price skyrockets. Down payments are typically a percentage of the overall cost. Overall cost goes down, the pile of cash you need to begin is a lot smaller.
Anyone with a mediocre amount of business sense or anyone that actually owns / owned (or pretends they own via a mortgage) real estate knows exactly how terribly difficult it is to just keep everything running.
This alone explains why reddit and such have no damn clue why renting is so expensive.
Why is it difficult to keep things running? Keeping the plumbing, electrical, and building amenities in order is part of your legal responsibility. Don’t like it? Get a real job. People HAVE to have a home. You don’t HAVE to make money off it.
never mind the fact that that landlord probably worked hard to buy his first property and subsequent properties to self-employ themselves in the first place
covid hoarders also worked hard to buy up all the hand sanitizer and toilet paper
also, pick a monster dictator who committed genocide, they worked hard too
working hard doesn’t mean you’re doing good things, you can work hard and be evil
landlords are creating a scarcity of places for people to home and feed their families in order to charge those families money to get rich off, and, regardless of how “nice” they pretend to be in fixing the sink if it clogs, will throw a baby into the street to be homeless if their demands for money aren’t met.
As a landlord and someone who loves shenanigans, it’s been great. It’s never been easier to piss off dozens of people I don’t like at once.
Like, sure dude, my owning a few houses is totally the reason your city that I don’t live in won’t build new housing to meet demand, and I totally enjoy spending all of my weekends doing manual labor fixing shit for my tenants.
If you want to have an actual debate about housing supply and demand, I’m always down for reasonable discussion.
Ultimately what matters is that enough supply is built to meet buyer demand, whether it be from owner occupants or landlords. Landlords can buy up or build as much housing as they want, but as long as there’s still more available, the prices will stay reasonable and owner occupants will have no issues getting affordable housing. And buying up too much will crater the rental rates if there are significantly fewer potential tenants than available units. There are plenty of markets where this is the case, the city I am in is one of them. Someone on a $50k salary here would have no issues finding a modestly sized SFH in a reasonably nice working class neighborhood. Cheaper if you’re willing to go for a condo or townhouse.
Why would someone become a landlord in the first place? You’re not born with a title deed in your hand, and if you were given income property by a family member, you’re still profiting off of the hard work of others. The only reason someone would choose to go out of their way to invest in rental properties is because they see an easier way of making money than having to go out and work for it like an honest person. “Mom and Pop landlords” aren’t a thing. If you have the funds to buy an entire second property, you aren’t just a “mom and pop”, youre in the 1%.
Is it really a lot of work? I’ve rented for about 10 years of my life, and I’ve only seen maintenance get done maybe 4 times. The work was just hired out (probably the cheapest they could find). I’ve had to do all the rest of the work that needed done myself.
I’m in that boat. I’m a land lord. I built my forever home but after a medical issue I lost my job. Unfortunately my career choice, while lucrative, only has one or two positions per state. So I had to move. I’d like to return to the home I built but that won’t be for another 10 years minimum when I retire. I don’t want to sell my home, so I rented it out. I’m currently renting an apartment myself.
If you only own a single property you’re not the subject here. A lot of people wouldn’t even use the word landlord to describe you, because your income isn’t generated from ownership without production.
The word landlord is regressing to mean someone who owns multiple properties and just collects rent without having to do any value-generating work.
Sorry no, landlord still means anyone who rents homes, even a single one. Even a single room or a basement suite. Just ask any renter what they call the person who they pay for the space. They call them the landlord. You’re stuck in a dark bubble.
Everyone is always profiting off the hard work of others, that’s the whole point of civilization. Yes, many landlords are exploitative. But not all, and probably not even most, are.
Why would someone become a landlord? My uncle took out loans to buy distressed properties sold at auctions, and then he would put in the “sweat equity” to fix them up for renting out, all while working his full time job. So, he would work all day, and afterwards would manage those buildings doing all the maintenance and cleaning himself.
Why did he do it? He did it to make money…so he could send his son to college, so hopefully his son wouldn’t have to hustle a full time job and a busy part time job as well. My uncle worked his ass off to make a better life for his son, how selfish of him.
Why would someone become a landlord in the first place?
As a way out of a job they hate and as an investment opportunity. Maybe they’d rather paint walls and replace toilets than sit in an office.
“Mom and Pop landlords” aren’t a thing
Where’d you get this, straight from your ass? Yes they are, I know several.
You’re so confidently incorrect here I’m not sure why I’m bothering as I’m sure you’ll be a prick about it but virtually nothing you wrote is true of the landlords I know. And before you accuse me of simping for corporations. Nope. I’ve lived several years in corporate owned properties and despise the level of exploitation they standardized on. They’re fucking evil bastards.
The fact that you don’t know and can’t fathom a landlord that owns a small amount of property and treats their tenants decently lets me know that you have a very limited life experience. I am moving soon to a corporate owned place for a variety of reasons but I wish I didn’t have to. My current landlord owns just this one property to my knowledge and he’s treated me well since day one. There’s a huge difference.
Maybe if you pulled your head from your ass you’d understand that your lack of experience has no bearing on how reality is.
Thanks for the enlightening framing. When they’re rounding up people they don’t like we should tell them it’s ok, it’s been worse
Nobody fucking cares. This isn’t some academic exercise to rank crazy times. This is the very real political strategy of a party about to take power in the US. This view from nowhere shit is so exhausting.
It’s been somewhat traumatic. I had to take things back to where they began two generations ago, return to the roots that once were, though they’re new to me. I’m grateful that you and I could commiserate, at least. It’s validating to speak to others who felt the same.
I am genuinely happy for you, but I’m poor so I literally don’t have the money to move. The best I can do at this point is put away a little of money when I can (not often) and hope for the best.
Same. In my opinion, America—“the Great Experiment”—is at this point mostly a failed experiment. But the goal for which said experiment originally strived is still a worthy one.
It’s like one of those idiots came up with this stupid idea and now none of the other morons can call this out because they would have to admit that they are watching porn.
Yeah, but a lot of conservatives, and by extension fascists, are extremely hypocritical on the surface, except they like to use “hypocrisy” as a tool against their opponents, and by “hypocrisy”, I mean not following the strawman version of your ideology. I personally call this as “rulebending”, they’re manipulating their opponents rules to be even higher and thus choking them with it.
On a deeper level they just want a lot of power, which includes them being above the law, as long as they’re loyal to the dictator/king. If project 2025 succeeds, expect one of them getting caught on live with real CP, maybe even raping a child, then will just go “so what? I can do this, you are not allowed to!”.
I wonder if I can get an adapter to mount an old massive CRT to a monitor arm, and if any monitor arm has pistons that can support the thing in the first place.
Undermount and passive hydraulic arm will do the job, i think, as fellow crt enjoyer i approve of your idea, i have 32 inch crt tv stored, waiting for ps3 and Xbox 360 to be bought
Get some HDMI to VGA adapters, the kind that screw into the VGA port and then have an HDMI port. I have a bunch of old VGA monitors I use with Raspberry Pis and as test displays when working on PCs and never have to deal with the annoyances of VGA since they’re basically HDMI displays now.
Fighting games and the absolutely lowest possible video latency with the tech available. VGA puts you literally a frame or two ahead of the opponent. For players at their peak, this is a pretty big advantage.
Apologies, I should have clarified. VGA plus CRT. I only ever used VGA with LED panels for a very short time, so I tend to conflate all the old tech as a package deal.
If I learned one thing, when talking with people about stuff like that: Most people unfortunately don’t care. Many don’t even have an ad blocker to begin with.
I know you are right about all of this, and yet I will still watch shows like the old Addams Family while I’m doing something else just to have a distraction
I still have a couple shows I enjoy despite the laugh track… Just in general I would prefer not to watch them, and I’m unlikely to give a new show half a chance if it has one.
“rolling laughter” is a technique you have to learn as a live performer for a reason. TV shows at the time had to bridge the gap as the 80s/90s invention of stand up as an art form set the tone for how comedy should be.
It’s not that it was always bad, it’s just that culture changed. Same as how a Jacobite audient would find it real weird we watch theatre inside(!), sitting down(!!) and not talking during the show(!!!).
An episode of the IT Crowd had a B story that was kinda transphobic. It was minor enough and the show was popular enough he probably could’ve easily just apologized and that would’ve been that. But instead, in 2013 after said episode was brought up and criticized for being transphobic to the creator, said creator tripled down and became a full on anti-trans “activist” who makes even JK Rowling seem benign by comparison.
It doesn’t seem to be streaming anywhere, so anyone who doesn’t have an excessive amount to spend on a TV series won’t be giving any profits to the creators.
Look, I was among the glorious warriors who installed Firefox on his parents/grandparents PC and replaced its shortcut’s image with IE’s one (because old people hate changes and won’t accept it easily)
Oh again! They keep changing my Google internet!
Yes grandma, it’s Windows… (« It wasn’t Windows » says the narrator in a deep and mysterious voice) Do you want me to install Linux? It’s free and open source and…
Keep that commie thing away from me, I like that meadow picture…
You know you can change th…
Don’t you dare!
Anyway. We did it. We killed IE hegemony. It’s up to the new generation to take the baton and fight against the tyranny of Google.
The idea of installing Linux on a grandparent’s computer is just asking for trouble. I convinced my father in law to give a Chromebook a try since he mostly just uses his computer to get online and boy, was that tricky. The average person has no idea what an Operating System is and will call you the minute they can’t install a new program for some reason.
I had a very successful experience! My grandmother had no idea how computers worked at all, so I set up a very stripped-down Ubuntu that didn’t even allow multiple windows open. I could easily remote in whenever she had an issue.
She used it to check her email, read the news, and watch Obama’s weekly address until the week she died. (Unrelated to the computer)
I feel like there’s a curve of where this could work. For the extremely technically illiterate or technically literate, you’d be ok. But for the middle chunk of the population, it’d be more confusing than it’s worth.
The people who don’t care and don’t have an adblocker aren’t and weren’t ever the target. The people who are being targeted have an adblocker, and they’re all moving to FireFox.
What Google is getting out of this most of all is future compliance as new users coming to Chrome will never know a world in which ad blockers were freely available on Chrome, as well as dog whistling this to other corporate browser vendors.
Don’t forget they’re pushing chrome on the whole internet. Websites are already telling Firefox users to fuck off if we aren’t spoofing chromium and it’s only going to get worse after this.
Idk if this is a hot take, but imo the war in Ukraine is pretty clear city while the Palestinian and Israeli conflict his an infinite list of wrinkles and nuances.
It’s far less controversial to say the former is Russia’s fault than it is to say the latter is either Palestine’s or Israel’s fault.
Palestinian conflict is very simple: an army vs civilians. Only gonna end when all the latter are dead.
Should we ever try to sanction that army? Never! Should we try sanctioning US for killing million iraqis who had not a WMD? No! Should we sanction Nato for bombing the wealthiest african estate libya to it’s ruin? Ah wait, WE are Nato. Can’t shoot own ankle.
Please do not put words in my mouth that I did not say, I will not entertain that. I am happy to respond to any arguments you make or answer any questions otherwise.
Yeah mostly because isreal/ Palestine conflict is much older then russia/Ukraine so a lot of things happened. But at it’s very core they both started because of the same claim : russia claimed used to own Ukraine so they want it back. The jews used to own Palestine so they want it back. So if you support Ukraine and isreal you’re just a hypocrite
I haven’t seen anyone here “support Israel”. Almost everyone agrees that the Israeli State is not free of guilt, far from it.
What people really disagree over is whether that alone makes Palestine right (nuanced) and whether it justifies Hamas’ actions (unhinged but unfortunately semi-common take on here).
What nuance is there be had about this? Israel is a settler-colonial apartheid state that deserves what should’ve happened to America when those settlers were doing it. That’s like saying “the civil rights conflict has an infinite list of wrinkles and nuances”; in that it’s objectively wrong.
I don’t need a 27-page novel to know the temperature and time to cook something. I also don’t want to he directed to Pintrest and be required to have an account. Honestly, I’ve started using Bing more often.
I would like a Firefox add-on that filters out sites where recipe ingredients are measured in cups and the recipes contain butter and sugar when they shouldn’t, thanks very much
Yeah honestly. The Google ad-based search system created a set of incentives that just destroyed the internet! I miss the days when people created their own fun little quirky websites like Ian’s Shoelace Site. That used to be every site on the internet!
Try Brave Search, Duckduckgo, Startpage, or Searxng. For more detail on these recommendation (that I definitely did not just steal), check out the Privacy Guides page, or The New Oil for a different, albeit overlapping, set of recommendations and take on search engines.
I mean I guess. They aren’t actively fighting or anything like that to my knowledge. I personally think the Privacy Guides is the better resource, because PrivacyTools has vpn recommendations like Nord and Surfshark with affiliate links that are not actively disclosed from my quick check.
No joke, Bing Chat is considerably better at finding answers than any search engine I’ve used in recent years. I don’t even bother googling things anymore. Just ask the AI.
I’m just starting to learn HTML and oh my fucking god do I LOVE chatGPT… Holy hell… I can’t even begin to express just how amazing it is to be able to ask basic questions and not only get a reply, but provide example code, and it will elaborate or be as concise as you like… I LOVE IT! I’m especially happy to see they don’t ask for your phone number and other absurdly intrusive unnecessary information anymore. That’s what kept me away at first.
I do know it’s not infallible and I probably won’t use it as much as I move on to more complex programming.
I do fairly complex programming and still use chat gpt. It will contribute to be helpful to say “write me a function that does this” rather than “how do I code this”
Yeah it is kind of like the “trust, but verify” paradigm. It will likely generate useful code or a very good starting point, but you should always check if it actually does what you expect it to.
You can’t trust them blindly. But They’re very helpful in your day to day tasks.
No kidding. Just earlier today, I was looking for a kind of niche tool used to wrap pallets in plastic, and I found nothing on google about it. It kept showing me everything BUT what I was looking for.
On bing, I found just about all of the information I needed about it. Turns out it’s niche partially because it’s made in my province, which I also found out from bing. Almost no one knows what I’m referring to when I mention it. It combines the technology of machine wrapping and hand wrapping, and it makes warehousing much easier sometimes. I wanted to recommend it to someone. Thanks Bing!
Is it much different from a pallet wrapper? A big platform you can set a pallet on loaded with stuff and it spins? And you hold what’s like a yard wide rolling pin with plastic wrap on it to wrap the pallet as it spins?
You would think that. But as a person having an iPhone… No it is not. At least the part of iPhones currently not having that option. App-Icons on your “desktop” will always align in dense rows from top left to bottom right, with no free spaces allowed.
It is a bit weird, and I don’t really see why, since you can change the order of icons in this dense row-grid. I am glad Apple warms up to the fact that people might actually want some kind of customization on their devices and not everything “the way Apple decrees it”.
But to be really honest… I did not even notice prior to this post, and I had all Android before switching to my current iPhone. So at least for me this is a really small non-issue, and maybe a nice-to-have feature.
I had an iPad for a while and it definitely bothered me. Really just about everything did. It felt like I had to fight with it to do just about anything I wanted to do.
Well, the issue is just that you’re not thinking with the Apple mindset. If you’re having difficulty doing something through an Apple product, it really just means you were trying to do the wrong thing in the first place. Where Apple products really excel is in their integration, both between software and hardware, and between separate devices through iCloud servihahahaha I’m just messing with you but can you imagine some fanboy actually typing out shit like this?
Well, the issue is just that you’re not thinking with the Apple mindset. If you’re having difficulty doing something through an Apple product, it really just means you were trying to do the wrong thing in the first place.
Lol. That was exactly my take as well. Which is why after a few months of battling my new Apple laptop, I went to buy a generic PC lappie, slapped KDE on it and never looked back (this was a while back).
This remind me when in the 1980’s Cup Holders were introduced in Dodge Caravans, but most cars they expected you to buy this and clip it onto the inside window the story historygarage.com/essential-evolution-handy-cup-h…e. 1980’s
I was going to mention this. You can move them around; but you can’t move them anywhere you want. The icons will always be, as you say, in a dense grid of rows with no “blank” spaces between the icons.
I don’t know if the OP is true or satire or some kind of April fools thing, but it’s still accurate.
Try Mac OS next lol. “Here, hold down alt, smack your left ass cheek, and tap dance around your computer to run this unsigned executable”. It really feels like they’re deliberately violating the principle of discoverability to stop your from doing things that they don’t like.
Technically, Android does that, too, but the limit on that is a few years. If I’m not mistaken, the lowest version of Android that Google will allow a user to install through the Play Store is Android 12 (released in September 2020).
Yes, but 99% (give or take) of Android users won’t know or care how to install 3rd party apps. So most people would only care about the Google Play Store limitation.
The limitation is overcome the moment someone downloads and installs APK from web browser or some store. It is artificial, and for nerds that want to install apps older than those for Android 6, they can toggle that flag with ADB.
Apple on the other hand renders phones outside of its update cycle as junk devices, even if capable.
You can’t even cut/paste in Mac OS without using your mouse and modifier keys. Like, seriously? Also, it’s 2024 and they still don’t have window snapping. Like what the fuck, Tim Apple?
You can tho? You can use arrow keys to move around the text, and hold down control to move by entire words in most apps. CMD + C to copy and CMD + V to paste (CMD is what they call the super key). But yeah, they’re trying to push a pointer-centric design that nobody really wants instead of putting the keyboard first.
That’s copy/paste. There is no cut command in Mac AFAIK. There’s only the move command, which requires an additional modifier when pasting. If there’s a key combo for that modifier, then I would like to know what it is. The only way I know how to do it is with the context menu from right clicking and the modifier key. But still, why do they do it differently than every other operating system?
Cut is just Command + X. You can swap in Command for most of the windows shortcuts that use control. Why didn’t Apple just use the Control button for Control things? That I do not know.
I’m a Windows user, but my church uses a Mac to run its projection and video recording. I’ll admit it works pretty well for what we typically need it to do, but it recently took me like five minutes to figure out how to crop a picture because you apparently can’t do that by simply opening the file and clicking the crop icon.
Mac’s filesystem is an absolute mess, too. This might just be my own inexperience, but I’ve saved things like PowerPoints and videos in order to upload them, and then I’ll go to the website to upload them, and I won’t be able to find them because they’re not in a specific folder or something.
I picked up an iPhone several years ago, I think a 6 or 6s? Anyways, I tried to use it for a while, because I work in IT and sometimes need to support people on their iPhone, and being an Android person, I had no idea what I was doing.
I could not stand it. Everything took so much more effort. I never got rid of my android, I just tried to use the iPhone whenever possible to familiarize myself with the apple way of doing things. I hated some of the layouts, I missed the back button… Even something as simple as copy/paste just seemed a lot more cumbersome for no good reason.
I learned a lot about it and where options and such were located (which is what I primarily needed) then I simply used it a bit less and less all the time until I finally stopped using it entirely. I have no idea where it is at this point, but I’m sure it still works and I’m sure I would still hate it. I’ve wanted to retry the experiment with a newer device like the X or 11 or something, but anytime I consider it, I just think back on my experience and unless I can pick up a relatively modern iPhone for next to nothing, I’m pretty uninterested in trying again. I know iOS has had a lot of updates in the past few years since I used one and maybe it sucks less? But I’m not willing to sacrifice my sanity to figure it out.
I don’t mean to hate on iOS or iPhones. I certainly don’t like them, but if that’s what works for you, then go ham. I find it cumbersome and restrictive, and you’re free to disagree and use whatever you like; don’t let me stop you.
Right? I gotta use an iPad at work now and where the FUCK is the back button!?!? I’m so tired of mashing the home button. It’s cool AF that my stylus will put text specifically where I write it though, and it translates my cursive!
It’s Apple, their entire business model is making their tech as restrictive as possible and stripping away as much freedom as they legally can. You can’t name a company more power-hungry.
Thanks for sharing that, even despite the uncontrollable facepalm that resulted. What's terrible is that despite the fact that this artist is so crazy and racist, his art is actually pretty good.
What? Really? But as a cartoon how does that even work if it’s not ironic? … He asked rhetorically, knowing the right wing humor is basically just incoherent hate.
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