I’m not even sure why I’d respond to someone as intellectually dishonest as you. But if you want to live in a shelter, your shelter has to be paid for. If you can’t pay for the full construction costs yourself then you have to get a loan and the bank gets paid. If you can’t get a loan, then you have to pay someone that can get a loan and that person gets paid. This isn’t a hard concept.
If you’d like to argue that the state should provide a minimum shelter for every individual, then that’s a interesting conversation that we can have. But a simple “landlords shouldn’t exist” is an unbelievably ignorant position held only by children and morons. Because even if a “the state provides shelter” scenario it’s the state that is your landlord.
They pay for it to be built. Unless you think the workers should work for free and not receive any benefit from their labor. Does hexbear know you feel this way? 🤣
If you don’t think that housing has to be paid for, via any number of reasonable means, then you’re explicitly arguing that you deserve the labor of others. That’s called stealing. And slavery.
If you want to have a reasonable conversation, tell us how you think the workers that produce the materials and build the housing should be paid. The only pathetic thing is when people refuse to answer this question.
Landlords pay up front (directly or via a loan, which the renters presumably cannot get) and assume the risk of vacancies and repairs. If landlords ceased to exist, how do you propose new housing stock be created? Should the government be your landlord?
Investment into housing development, zoning fixes, market rate housing, co-ops, and a LVT is the solution.
You can’t be serious? Let’s review.
Investment into housing development
By who…? Come on, be honest, who do you think is going to do this 🤣
zoning fixes
That allow who to build more housing?
market rate housing
Is literally what the West has right now.
Co-Ops
We have these now.
and a LVT
This is a fine step. Most states have property taxes now that include the land that a rental sits on.
If you can’t pay for your own housing, your choices are either for the government to pay for it, or for the private sector to pay for it. In either event the entity that owns your house, that isn’t you, is your landlord. If you can’t pay for your own housing, and you don’t want the private sector or the government to provide it for you, then you’re homeless.
If you want to argue that the government should develop low cost housing, that’s an interesting discussion. In general, “supply” regardless of how it’s created, is the answer to high housing prices. I do fear that you’ll be dissatisfied with the quality of that government housing.
If you want to argue that it is a valid use of the state to produce low cost housing then this is an interesting conversation. But much of the rest of your response is nonsense. For instance -
I don’t want property taxes. Those need to be removed along with all other types of taxation. The only valid type of taxation should be land value tax, and a carbon emission tax.
You’re going to fund all the social programs of a modern government via, essentially, no taxes? Come on. If you want the government to provide a robust social safety net, including housing, you’ll be looking at Nordics level taxation.
It’s true. That’s why our homelessness incidence are less than 10% of yours. Maybe that’s why you’re trying to drive yours down by conscripting your homeless and forcing them into “former glory” wars?
I assume, accurately, that all you hexbears are Russian trolls, Hindu Nationalists, or various flavors of pudgey man children collectively known as college communists who want to seize the means of production from their parents that didn’t give them enough hugs. Which flavor are you? I bet it’s the last one 😂
Hi OP. Keeping your spending from getting out of control is important. But most people, especially in today economy, don’t have a spending problem, they have an income problem. There’s a finite limit to the ability to cut expenses. Once the “rice and beans” answers you’ve already received are implemented the only viable strategy is to find ways to increase income.
This is where I’ve been for a couple of years now. Could I make more money and have more responsibility? Absolutely. But I make plenty, I work with good people, and I “work” from home twice a week. My week is 10 hours of real work, 10 hours of meetings about that work, and 20 hours of fucking around waiting for other people to finish their work. I do most of my fucking around at home where I can do whatever I want. Do I really want to give up this slack ass job to chase a 10->15% raise? I’m not sure I do.
I am very lucky to have a chunk of disposable income every month. However, I want to invest and save most of it, because I recognize that disposable income can quickly disappear given the right circumstances....
Invest a portion of your disposable income automatically, and make “paying yourself” the first bill you pay. But make sure a portion of your disposable income is also fun money. That is what you can impulse spend, no questions asked. But when it’s gone, it’s gone. This whole process is just budgeting. You’re an adult and make reasonable money. You can be an adult with this too. You don’t have to trick yourself.
I mind my own business unless my friends or relatives ask my opinion. If they do, I remember that they’re adults who can make their own choices, including whether or not to follow my advice.
OP, unless you have a very large amount of money you can absolutely manage your own retirement. And it’s even easier than you think. Check out the three fund portfolio and other Boglehead articles for answers to your questions.
A US soldier who crossed the demarcation line into North Korea had been facing disciplinary action by the US military and was set to be sent back to the United States, according to a US defense official....
High yield savings, money markets, CDs, or T bills?
Where all my cash hoarders at and where do you park your savings?...
Landlords should have to pay income tax on their rental properties regardless of whether they're rented out or not. ( gothamist.com )
cross-posted from: lemmy.crimedad.work/post/12162...
The GOP War on Wokeness Could Shut Down the Government ( newrepublic.com )
Partisan procedural brinkmanship is back, thanks to the House Freedom Caucus’s crusade against military policy.
What are your best tips to save money?
Following the credit card thread, I’ve learned that some people use credit card points and miles to pay for hotels, that seems pretty interesting....
Are you satisfied with your current pay?
Trying to get to know the community a bit more....
How to curb unnecessary consumer impulses?
I am very lucky to have a chunk of disposable income every month. However, I want to invest and save most of it, because I recognize that disposable income can quickly disappear given the right circumstances....
[Thread, post or comment was deleted by the author]
[Daily discussion] How do you deal with relatives or friends making bad financial decisions?
Curious to see how the community deals with this kind of situation
Resources on learning how to build a retirement portfolio?
About a year ago I hired a financial planner to manage assets in my retirement accounts but am starting to think about doing it myself....
Joe Manchin Is Attacking Democrats As If He’s a Republican ( plus.thebulwark.com )
It’s the best way to win another Senate term . . . if he doesn’t run for president.
US soldier believed to be detained by North Korea after 'willfully' crossing border ( www.cnn.com )
A US soldier who crossed the demarcation line into North Korea had been facing disciplinary action by the US military and was set to be sent back to the United States, according to a US defense official....