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mke_geek

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mke_geek ,

Unfortunately, some people think their way is the only way and won’t open their minds to people wanting different ways to live (own, rent, etc).

There’s nothing wrong with renting but some people demonize it for no reason.

mke_geek ,

Punish those who work hard. Reward those who don’t contribute to society. Let’s see how that helps!

mke_geek ,

If you live in a place for 2 years and have to spend $18,000 on a mortgage and $20,000 on repairs, that’s definitely more expensive than just paying $24,000 in rent. Not everyone has $20,000 just laying around to fix stuff. They’d rather spend $20,000 over 2 years going on vacation, eating out, or having fun.

since owner wants to make money

You mean, earning money from their job (managing the property). It’s not free money, it’s their income. Just like other people get a paycheck from a regular job, landlords are just self employed. Running your own business might mean not taking a lot of pay (or no pay) some years.

mke_geek ,

So the 18k for the mortgage just disappear when someone else owns the place?

If it’s at the beginning of the mortgage, most of that is interest because interest is front loaded.

mke_geek ,

At the beginning of a mortgage you’re really not gaining much equity if that’s that your prior comment was about.

mke_geek ,

And if the landlord pays it you can be damn certain it’s gonna end up in your rent calculation.

Well obviously, they aren’t going to work for free.

mke_geek ,

Why would people want to buy light bulbs? Are they going to throw them at people?

mke_geek ,

Is your cat declawed? Sometimes cats that are declawed might not want to use the litter box. It’s one of the problems with declawing.

Declawing cats is a horrible practice and should never be done.

mke_geek ,

I used to use RiF (Reddit is Fun). Then it died. I searched for an alternative to Reddit.

mke_geek ,

I’ve never been to India. Unfortunately I’ve heard mostly negative things:

  • Rampant rape of women
  • Too much garbage
  • Smells bad
  • Treating anyone non-Indian badly or will try to take advantage of them financially
  • Overcrowded
  • Poverty
  • Low wages
  • Culture that puts down women / treats them much lower than men instead of being equal
mke_geek ,

It’s unfortunate that the child porn has started to creep in.

mke_geek ,

If there was a course in carpentry, I would take that.

mke_geek ,

I have a circular saw, a miter saw, a small table saw, an oscillating saw, a square, and a drill. (Among other tools.) I’ve been able to learn how to install trim and flooring, replace deck boards, and build shelving.

At some point I’d love to learn how to make a bench.

mke_geek ,

You severely underestimate the number of people who lack ambition, life skills, discipline, and financial responsibility. It may seem easy to you but to people without these things, it’s like climbing a mountain.

mke_geek ,

It only makes sense to those who are illogical.

People love to hate what they don’t understand. People have been hating other people and things they don’t understand for thousands of years.

mke_geek ,

The mention of “chads” in various comments makes me think of those articles about incels. Is that where you were going?

Does anybody else continue to frequent Reddit, albeit without an account?

There are simply some communities I can’t find on Lemmy. For example, I use subreddits based on admissions to specific colleges that would never be able to function on Lemmy due to its size. I’d much prefer to abandon Reddit altogether but the information I need is usually only there.

mke_geek ,

There’s not enough engagement/subscribers on the Lemmy equivalent of the primary Reddit sub I visit.

mke_geek ,

Various T-shirts:

  • My Little Pony DJ Pon 3
  • A couple Star Wars shirts
  • My Hero Academia
  • Demon Slayer
  • Naruto
mke_geek ,

There are (or were) definitely some subs that were harder to moderate than others I’d imagine.

mke_geek ,

Federal rental assistance programs provided states with $48.5 billion in 2020.

The federal government spent $90 billion on housing assistance 2021.

mke_geek ,

“Some say” --> meaning those who like to post uneducated things on the Internet. AI takes stuff from the Internet. Ergo, it’s going to spew garbage at times.

mke_geek ,

Rental property owners charge for the service of providing housing. Home Depot charges for the service of renting their tools. The bouncy house places charge for the service of renting their bouncy houses.

mke_geek ,

No one’s forcing anyone to rent any specific place. People have a choice. There’s thousands of rentals. They can live with family or friends.

If people want to build equity in something, they can buy their own property.

There’s nothing exploitative about trading money for a service. People trade money for services every single day. You want your oil changed for you? You pay someone to do it. You pull your car into their facility, they use their tools, and you gain a service – for a price.

mke_geek ,

A landlord provides housing.

FTFY

mke_geek ,

A landlord does not take housing off the market. Rental housing is still on the market for families to live in.

Rent costs more than mortgage payments because it includes the payment for services to the owner. If you work a job you expect to get paid for your work and so does the landlord.

mke_geek ,

Landlords buy buildings --> More available rentals so people have more choices on where to live

mke_geek ,

The property is still available for families who want to rent it. You take all the rentals off the market and those who want to rent housing will have no choices.

There’s still many properties available to purchases. Having a mixture of some properties for rent and some of sale gives people choices.

Many people don’t have the skill or resources to manage their own property, let alone pay for large expenses all at once.

mke_geek ,

No, owning rental property is not exploitative. It gives people a choice of where to live. No one rental property is required for anyone to live – there’s millions of choices in the United States alone for places to live.

And yes, camping is legal. People camp every single day in the United States. And yes, people own RVs. They live in them and travel around the country. This is legal. Both of these give even more options for places to stay.

mke_geek ,

Neither.

mke_geek ,

Rental property owners don’t hoard shelter. The whole point is to provide housing to individuals and families.

mke_geek ,

Rental properties aren’t hidden. There’s no cloak of invisibility spell surrounding them. So your definition doesn’t apply.

Rental properties aren’t empty except during renovation or between tenants. So your second assertion also doesn’t apply.

mke_geek ,

They don’t own it.

And therefore don’t have to incur the burden of large expenses such as replacing a roof, a sewer line, etc.

if you can afford an $700k apartment

If you want to cherry pick an example of the most expensive areas of the country instead of the more reasonable examples of a $70k single family house. But then the person buying the property is responsible for all the repairs and maintenance.

doesn’t artificially increase demand and drive up pricing

The lack of housing development with increased demand creates a housing shortage. When there’s a shortage, pricing goes up. The United States is at least a decade behind where they should be in housing development.

That’s what a mortgage is for.

A mortgage just pays the bank for the loan. A mortgage payment does NOT pay for repairs on the property. If the furnace goes out in the middle of winter, it’s up to the homeowner to come up with the money – typically thousands of dollars all at once.

mke_geek ,

Home Depot is just one example. Any other example works.

People can grow their own food but choose to use the grocery store. The grocery store charges more for the food than they pay for it, because they’re providing a service.

Pharmacies sell medication and people buy from them. They are providing a service of having all the medication in one place.

People trade money for goods OR services. That’s how the economy operates.

mke_geek ,

Paying rent is trading money for a service.

Owning a property means shelling out money, sometimes unexpectedly. The furnace goes out in the middle of winter? Better fix that quick. Don’t have the money? Let it get to freezing now your pipes burst and that’s just thousands of dollars more to spend on top of the thousands of dollars to replace the furnace.

mke_geek ,

When someone is on a lease, the rent amount cannot increase during the lease period. At the end of the lease period, the person is free to move somewhere else.

mke_geek ,

Again, there’s no hoarding.

The article you linked is misleading. Houses are vacant for various reasons. Some are temporarily vacant:

  • some are undergoing renovations
  • some are between tenants
  • some are for sale

Some are more permanently vacant because they’re in such a state of disrepair that they can’t be lived in.

Rental property owners rent out properties, which keeps people housed and off the streets. However there’s been a lack of housing development over the past decade in the United States which leads to a housing shortage.

mke_geek ,

“Providing” = making available for use

mke_geek ,

emergency savings

Not everyone who owns a house has emergency savings. Not everyone is good at saving money.

Can’t say the same when waiting for profit-driven landlords to go through the script of checking it out themselves, finding some reason to claim its not broken, and then eventually pestering them for long enough that they do their damn job and hire someone to fix it in a couple weeks.

Not sure where you’re getting that false narrative from.

I’m sure I could build a nice doomsday-prepper shack in the woods somewhere for $70k, though.

Or a single family house in a Midwest city. The United States isn’t just the coasts, you know. There’s a huge portion of land in between.

And you don’t see how landlords—who are buying more real estate than they actually use—create increased demand?

People live in those properties, they’re not “unused”.

mke_geek ,

The homeowners who let their house rot because they couldn’t afford to fix it or they just didn’t care? There’s been so many foreclosures that were blights on the neighborhood until investors bought them, fixed them up, and rented them to families who wanted a nice place to live.

mke_geek ,

No, McDonald’s only provides food for those who choose to buy it. Not everyone eats at McDonald’s.

Rental property owners aren’t leeches. Leeches are the tenants who use the service the landlord provides and don’t pay for it.

mke_geek ,

It’s not exploitation because people have a choice of where to live. There’s hundreds of rentals in any given area and millions of rentals across the country. There’s not just one place for people to live. There’s also the option of living with family or friends.

mke_geek ,

No being a landlord is a good thing.

mke_geek ,

That’s incorrect. Houses need maintenance. They are not self healing. Things break, items need replacing, grass needs to be cut, light bulbs need to be changed, etc. Tenants also need to be managed.

mke_geek ,

I’m not “coping” with anything. I run a successful small business and I don’t steal from anyone.

mke_geek ,

Your experiences are not the experiences of everyone who rents.

mke_geek ,

Being a landlord is a job. There’s no exploitation with renting out properties. People expect to get paid for their job. This is an extremely simple concept. I can’t fathom why you’re not understanding. Maybe I need to make it even simpler?

  • Landlord = self employed
  • Self employed = Charges for services rendered
  • Rent = Payment in exchange for services

renting prices are effectively almost exclusively profits for the owner of the rented space

This isn’t even true either.

mke_geek ,

I have generosity, not selfishness. I don’t commit theft. How do you cope with being so incorrect in every way?

mke_geek ,

Because society agrees it is.

Because we’re using very basic factual definitions.

Job = performing work

explain the logical holes in your ideas

There are no logical holes in my ideas. I’m explaining basic facts.

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