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2019/12/19 12:14:46
Subject: Another Reason You Will Never Retire.....
queen_annes_revenge wrote: Yes, if I want to remove tenants from my property why shouldn't I be allowed to? What happens if my situation changes and I need to sell? Maybe someone in my family or friends has an emergency and needs housing. They're going to get prioritised over the general public.
Because the state (and by extension, you the tax payer) is now responsible for your evicted tenants and their actions :|
The fundament of this problem is "What do we do with the losers?" for which there is no really palatable answer, and we're going to generate more losers :(
Some people find the idea that other people can be happy offensive, and will prefer causing harm to self improvement.
2019/12/19 12:50:15
Subject: Re:Another Reason You Will Never Retire.....
AlmightyWalrus wrote: Also, a strawman is apparently one of the concepts that people struggle with...
Apparently you missed the part of this discussion where there are people who literally stated that it's too hard to make their own food.
That's not a straw man. That's pointing out obvious incompetence. This is why I don't believe these 'people' deserve my help. If you're too incompetent to manage your finances, get something that isn't fast food and learn to make food, etc.- perhaps you should be locked in a care facility. With orderlies that strike you.
Now you're moving the goalposts as well now. You characterized your opposition's argument as, and I quote verbatim, "Gibs Me Dat for Free Because I'm as good as my WW2 Vet Grandpa". That's a lie.
I'm sure nothing would please you more than having me withdraw from a conversation. You don't strike me as someone who's very open to anything other than your own ideas, so this seems like it is causing you discomfort.
You've twice in this thread alone referenced how you want people who disagree with you physically abused. The cognitive dissonance on display is staggering.
For thirteen years I had a dog with fur the darkest black. For thirteen years he was my friend, oh how I want him back.
2019/12/19 13:06:31
Subject: Another Reason You Will Never Retire.....
Just a personal aside, I've never raised rent rates for my tenants even when advised by the agent. I get enough to cover my mortgage plus most of the other things and that's fine for me. I actually rent below the advised values for that area.
But yes, I think being able to evict is important. If I leave the forces and need to buy a family home, I will need to release the value of my property to use for a deposit. I won't be able to do this if I'm obliged to let tenants remain in the property for 3 years.
I'm absolutely not opposed to regulation, I'm just opposed to regulation that's fundamentally designed to restrict the free market, and tell folks what to do with what they essentially own.
I think part of the solution to solving people's financial issues it to put more regulation on who the banks can offer credit cards to.
Heresy World Eaters/Emperors Children
Instagram: nagrakali_love_songs
2019/12/19 13:21:41
Subject: Another Reason You Will Never Retire.....
But yes, I think being able to evict is important. If I leave the forces and need to buy a family home, I will need to release the value of my property to use for a deposit. I won't be able to do this if I'm obliged to let tenants remain in the property for 3 years.
Then I'd suggest you'd plan. You are able to do this. It's one of the luxuries of wealth.
In any case, the three year minimum lease is another mooted idea, albeit one from shadow cabinet this time, that did not make it into the manifesto. So in terms of things that would have effected you financially, you are STILL dealing only with a Landlord MOT fee.
I'm absolutely not opposed to regulation, I'm just opposed to regulation that's fundamentally designed to restrict the free market, and tell folks what to do with what they essentially own.
That's literally all financial and commercial regulation! That's exactly what absolutely all of it does, no? Hilariously, Prince Of Capitalism Adam Smith himself said it was essential because the free market would simply see wealthy people destroy the lives of everyone else.
This message was edited 1 time. Last update was at 2019/12/19 13:22:59
2019/12/19 13:40:19
Subject: Another Reason You Will Never Retire.....
Tbf, most people also forget that adam Smith was a philosopher that had created a quite decent book for ethics aswell.
It's like with machiavelli, everyone knows il principe alot less know about discorsi.
https://www.dakkadakka.com/dakkaforum/posts/list/0/766717.page A Mostly Renegades and Heretics blog.
GW:"Space marines got too many options to balance, therefore we decided to legends HH units." Players: "why?!? Now we finally got decent plastic kits and you cut them?" Chaos marines players: "Since when are Daemonengines 30k models and why do i have NO droppods now?" GW" MONEY.... erm i meant TOO MANY OPTIONS (to resell your army to you again by disalowing former units)! Do you want specific tyranid fighiting Primaris? Even a new sabotage lieutnant!" Chaos players: Guess i stop playing or go to HH.
2019/12/19 13:55:11
Subject: Another Reason You Will Never Retire.....
Not Online!!! wrote: Tbf, most people also forget that adam Smith was a philosopher that had created a quite decent book for ethics aswell.
It's like with machiavelli, everyone knows il principe alot less know about discorsi.
I think his philosophy all rests on a fundamental fallacy about self-interest but yes he does rather get reduced to a proto-economist. Including hy all the institutes names after him. I often teach in an 'Adam Smith Building' but obviously it's part of the business school rather than philosophy.
Amusingly, there's an archaeologist at Cornell called Adam T Smith that borrows really heavily from that self-interest principle but I feel it's a namesack gag that's gotten out of hand.
2019/12/19 14:11:11
Subject: Another Reason You Will Never Retire.....
I disagree, current regulation allows the free market to run smoothly and allow for growth, whereas the new proposals are designed to restrict, and artificially force down prices.
Heresy World Eaters/Emperors Children
Instagram: nagrakali_love_songs
2019/12/19 14:27:43
Subject: Another Reason You Will Never Retire.....
Landlords pay for maintenance? Not mine. I’ve invested over $5000 into this house to maintain it. I’ve repainted top to bottom when we moved in, replaced almost all the electrical fixtures and lights due to poor wiring, and fixed up the yard, which was a horrendous mess when we moved in.
The fence is falling apart it’s so rotten, and should have been replaced 6 years ago when we moved in. A section in the parking pad in back has already blown down, and will my landlord replace it? Nope.
He replaced the fridge only after it had completely failed and I lost 4 days worth of food. Did he replace my lost food? Nope.
Ok, so the landlord has to pay insurance. He doesn’t pay the mortgage, we do, and have done so for 6 years. Damages to the house? I fix them so I can hopefully get my damage deposit back, although it’s not likely, as he doesn’t even remember how bad of shape the place was in when we moved in. When we move, he plans on selling the place. If he gets market value for it, he essentially almost doubled his money in the time we lived here. And what did he have to do? Buy a fridge. In addition, he also owns the property next door, and rents it out to an older couple, and they have been there longer than us. In the time we’ve lived here, he’s not once even lowered the rent.
Now, granted there are better landlords out there, but it hasn’t been my experience. The last thing I’m going to do is feel sorry for some one whom I’m paying for their investment so they can leave their kids a ton of money. The only thing I’m unable to do, to afford buying a house is afford a down payment. And that’s only because I’m paying another persons mortgage, and who buys up properties for investments, which in turn drives up prices, pushing those properties further and further away from our family being able to purchase one.
And I still have to pay for the insurance and not the landlord.
And what does he have that I don’t? A down payment.
Don’t expect pity, or empathy from renters if you’re a landlord, no matter how good you are.
2019/12/19 16:27:55
Subject: Another Reason You Will Never Retire.....
queen_annes_revenge wrote: Yes, if I want to remove tenants from my property why shouldn't I be allowed to? What happens if my situation changes and I need to sell? Maybe someone in my family or friends has an emergency and needs housing. They're going to get prioritised over the general public.
I hate to keep beating this drum, but I don't make 1k a year in profit. After insurance, income tax and repairs I'm lucky to strike even.
Read land for the many. It proposes a 'progressive property' tax, which would replace council tax and be footed by the owner, not the tenant.
In the US you can evict for some of the reasons you state above, especially if you need the housing for yourself.
Also, I may not be familiar with your 'read' source above, but I have a hard time thinking of any equitable situation where any additional taxes of fees due to the property owner would not be passed onto the tenant in some fashion, i.e. higher rent. Unless rent control is in place. One solution just creates more problems, eh?
queen_annes_revenge wrote: I disagree, current regulation allows the free market to run smoothly and allow for growth, whereas the new proposals are designed to restrict, and artificially force down prices.
You think it's smooth. Few tenants do. It allows it to run smoothly for people with capital whilst making it hard for those without to acquire it. The proposals you are concerned about, which, again, only extend to limiting no fault evictions, a property MOT, and rent rises capped at inflation, don't artificially force down prices. They help reduce the degree to which they are artificially increased.
A cost of inflation rise isn't forcing prices down, it's ensuring they don't continue to accelerate vastly above inflation, and therefore even further beyond wages. Bear in mind it does nothing to address the already sky-high prices that have been created by RTB, the failure to build more social housing, the number of BtL properties, and landlords buying huge numbers of properties and keeping loads of them empty. There are enough empty homes in the UK for all homeless people but they're deliberately kept unavailable to create a supply shortage where none exists. That's your artificial market interference.
This message was edited 1 time. Last update was at 2019/12/19 23:01:54
2019/12/20 15:20:44
Subject: Another Reason You Will Never Retire.....
Ghool wrote: Landlords pay for maintenance? Not mine. I’ve invested over $5000 into this house to maintain it. I’ve repainted top to bottom when we moved in, replaced almost all the electrical fixtures and lights due to poor wiring, and fixed up the yard, which was a horrendous mess when we moved in.
The fence is falling apart it’s so rotten, and should have been replaced 6 years ago when we moved in. A section in the parking pad in back has already blown down, and will my landlord replace it? Nope.
He replaced the fridge only after it had completely failed and I lost 4 days worth of food. Did he replace my lost food? Nope.
Ok, so the landlord has to pay insurance. He doesn’t pay the mortgage, we do, and have done so for 6 years. Damages to the house? I fix them so I can hopefully get my damage deposit back, although it’s not likely, as he doesn’t even remember how bad of shape the place was in when we moved in. When we move, he plans on selling the place. If he gets market value for it, he essentially almost doubled his money in the time we lived here. And what did he have to do? Buy a fridge. In addition, he also owns the property next door, and rents it out to an older couple, and they have been there longer than us. In the time we’ve lived here, he’s not once even lowered the rent.
Now, granted there are better landlords out there, but it hasn’t been my experience. The last thing I’m going to do is feel sorry for some one whom I’m paying for their investment so they can leave their kids a ton of money. The only thing I’m unable to do, to afford buying a house is afford a down payment. And that’s only because I’m paying another persons mortgage, and who buys up properties for investments, which in turn drives up prices, pushing those properties further and further away from our family being able to purchase one.
And I still have to pay for the insurance and not the landlord.
And what does he have that I don’t? A down payment.
Don’t expect pity, or empathy from renters if you’re a landlord, no matter how good you are.
So the house is a gakhole, but you agreed to live there and have lived there for the past 6 years. You're spending thousands of dollars of your money maintaining it, but complain that you can't save for a down payment.
Am I crazy for thinking that there are some self-inflicted wounds there?
Ghool wrote: Landlords pay for maintenance? Not mine. I’ve invested over $5000 into this house to maintain it. I’ve repainted top to bottom when we moved in, replaced almost all the electrical fixtures and lights due to poor wiring, and fixed up the yard, which was a horrendous mess when we moved in.
The fence is falling apart it’s so rotten, and should have been replaced 6 years ago when we moved in. A section in the parking pad in back has already blown down, and will my landlord replace it? Nope.
He replaced the fridge only after it had completely failed and I lost 4 days worth of food. Did he replace my lost food? Nope.
Ok, so the landlord has to pay insurance. He doesn’t pay the mortgage, we do, and have done so for 6 years. Damages to the house? I fix them so I can hopefully get my damage deposit back, although it’s not likely, as he doesn’t even remember how bad of shape the place was in when we moved in. When we move, he plans on selling the place. If he gets market value for it, he essentially almost doubled his money in the time we lived here. And what did he have to do? Buy a fridge. In addition, he also owns the property next door, and rents it out to an older couple, and they have been there longer than us. In the time we’ve lived here, he’s not once even lowered the rent.
Now, granted there are better landlords out there, but it hasn’t been my experience. The last thing I’m going to do is feel sorry for some one whom I’m paying for their investment so they can leave their kids a ton of money. The only thing I’m unable to do, to afford buying a house is afford a down payment. And that’s only because I’m paying another persons mortgage, and who buys up properties for investments, which in turn drives up prices, pushing those properties further and further away from our family being able to purchase one.
And I still have to pay for the insurance and not the landlord.
And what does he have that I don’t? A down payment.
Don’t expect pity, or empathy from renters if you’re a landlord, no matter how good you are.
So the house is a gakhole, but you agreed to live there and have lived there for the past 6 years. You're spending thousands of dollars of your money maintaining it, but complain that you can't save for a down payment.
Am I crazy for thinking that there are some self-inflicted wounds there?
When there is a massive housing crunch, yeah your options are pretty limited.
There were 40 other applicants to live here that we managed to beat out.
And sure, we could move into a much nicer place. And pay twice as much per month.
So explain to me how I’m supposed to find something better and cheaper when there really isn’t any options for that?
And when finances are tight, so are options. And when there is no regulation or rent controls, yeah it’s a gak situation to be in.
2019/12/20 18:42:56
Subject: Re:Another Reason You Will Never Retire.....
If you'd have ever owned property in your life, you'd know that you either offload it or you lease it, or rent it ASAP- otherwise, the taxes will bury you and you'll be in financial ruin.
Nice try.
Someone should tell all these property owners that.
But then you could argue that why shouldn't people gift things to their children in inheritence? Whats the alternative? Give them back? Throw them in a pot for redistribution? If someone has paid for something then its theirs to do as they will.
Well, 'throwing them into the pot for redistribution' is quite literally the basic concept behind inheritance tax. Laws are only really just starting to catch up with modern developments though. They've unbent enough to raise the cap and make sure kids don't need to sell the family home. But at the same time, the real upper end of the market is untouched. It's no mistake the same noble families still own vast chunks of our country. Everything just gets thrown into offshore companies and trusts once you reach a certain point, and inheritance ceases to apply. That's what really needs to be locked down.
The day the likes of Duke Richard Scott don't get to hand the keys to 217,000 acres to the next generation will be the day inheritance taxation actually works.
Seems like you should have dodoed the nobles a long time ago.
Has worked for us
It hasn't really, we (all, and in general) have just replaced feudalism with capitalism and nobles with capitalists. Those nobles are still have power due to all the stuff they own, not because of their titles. They lost some power but not the really important bits.
2019/12/20 18:56:35
Subject: Re:Another Reason You Will Never Retire.....
AlmightyWalrus wrote: Now you're moving the goalposts as well now. You characterized your opposition's argument as, and I quote verbatim, "Gibs Me Dat for Free Because I'm as good as my WW2 Vet Grandpa". That's a lie.
Uh, I'm pretty sure that was spewed earlier. And yes, I agree- it is a lie.
Also, while we're at it:
AlmightyWalrus wrote: You've twice in this thread alone referenced how you want people who disagree with you physically abused. The cognitive dissonance on display is staggering.
Did I, now?
I had never quite considered that as an option, but now that you mention it- it would sort out quite a few problems.
It hasn't really, we (all, and in general) have just replaced feudalism with capitalism and nobles with capitalists. Those nobles are still have power due to all the stuff they own, not because of their titles. They lost some power but not the really important bits.
Economics failure detected
Mob Rule is not a rule.
2019/12/20 19:38:28
Subject: Another Reason You Will Never Retire.....
Ghool wrote: Landlords pay for maintenance? Not mine. I’ve invested over $5000 into this house to maintain it. I’ve repainted top to bottom when we moved in, replaced almost all the electrical fixtures and lights due to poor wiring, and fixed up the yard, which was a horrendous mess when we moved in.
The fence is falling apart it’s so rotten, and should have been replaced 6 years ago when we moved in. A section in the parking pad in back has already blown down, and will my landlord replace it? Nope.
He replaced the fridge only after it had completely failed and I lost 4 days worth of food. Did he replace my lost food? Nope.
Ok, so the landlord has to pay insurance. He doesn’t pay the mortgage, we do, and have done so for 6 years. Damages to the house? I fix them so I can hopefully get my damage deposit back, although it’s not likely, as he doesn’t even remember how bad of shape the place was in when we moved in. When we move, he plans on selling the place. If he gets market value for it, he essentially almost doubled his money in the time we lived here. And what did he have to do? Buy a fridge. In addition, he also owns the property next door, and rents it out to an older couple, and they have been there longer than us. In the time we’ve lived here, he’s not once even lowered the rent.
Now, granted there are better landlords out there, but it hasn’t been my experience. The last thing I’m going to do is feel sorry for some one whom I’m paying for their investment so they can leave their kids a ton of money. The only thing I’m unable to do, to afford buying a house is afford a down payment. And that’s only because I’m paying another persons mortgage, and who buys up properties for investments, which in turn drives up prices, pushing those properties further and further away from our family being able to purchase one.
And I still have to pay for the insurance and not the landlord.
And what does he have that I don’t? A down payment.
Don’t expect pity, or empathy from renters if you’re a landlord, no matter how good you are.
So the house is a gakhole, but you agreed to live there and have lived there for the past 6 years. You're spending thousands of dollars of your money maintaining it, but complain that you can't save for a down payment.
Am I crazy for thinking that there are some self-inflicted wounds there?
When there is a massive housing crunch, yeah your options are pretty limited.
There were 40 other applicants to live here that we managed to beat out.
And sure, we could move into a much nicer place. And pay twice as much per month.
So explain to me how I’m supposed to find something better and cheaper when there really isn’t any options for that?
And when finances are tight, so are options. And when there is no regulation or rent controls, yeah it’s a gak situation to be in.
Alright. Sounds like a different world from the US. There are certain shortage issues here, but not 'beat-out-40-other-people-just-to-find-a-place-to-rent' issues. The homeless population there must be high...?
gorgon wrote: Alright. Sounds like a different world from the US. There are certain shortage issues here, but not 'beat-out-40-other-people-just-to-find-a-place-to-rent' issues. The homeless population there must be high...?
Our biggest rent problems seem to be when you have to live in a certain area, and finding the most reasonable place to live that isn't saturated with crime or obnoxiously loud neighbors.
Mob Rule is not a rule.
2019/12/20 21:15:17
Subject: Another Reason You Will Never Retire.....
In the US the homeless population is indeed quite high.
Automatically Appended Next Post:
queen_annes_revenge wrote: Just a personal aside, I've never raised rent rates for my tenants even when advised by the agent. I get enough to cover my mortgage plus most of the other things and that's fine for me. I actually rent below the advised values for that area.
But yes, I think being able to evict is important. If I leave the forces and need to buy a family home, I will need to release the value of my property to use for a deposit. I won't be able to do this if I'm obliged to let tenants remain in the property for 3 years.
I'm absolutely not opposed to regulation, I'm just opposed to regulation that's fundamentally designed to restrict the free market, and tell folks what to do with what they essentially own.
I think part of the solution to solving people's financial issues it to put more regulation on who the banks can offer credit cards to.
I think the people living there have a right to be given some time to establish new living arrangements rather than you just saying "evicted, get out by the end of the month." But I also feel that 3 years is far too long a period.
This message was edited 1 time. Last update was at 2019/12/20 21:16:24
Overwhelmingly- mentally ill persons and addicts. Quite sad, I am a firm believer in re-evaluating our lack of asylums and facilities for them. Ever since many of them shut down, the homeless population went up. Also, our homeless shelters can't seem to stay running- I live in a city that's relatively calm, and the area around the homeless shelter is a criminal cesspit- dealers preying on the addicts and other persons looking to take advantage of the well-meaning.
Automatically Appended Next Post:
queen_annes_revenge wrote: I think the people living there have a right to be given some time to establish new living arrangements rather than you just saying "evicted, get out by the end of the month." But I also feel that 3 years is far too long a period.
30 days is plenty of time, unless there are extenuating circumstances. I believe after that, you are trespassing .
Also, 30 days notice deciding to move out and break your lease is also entirely reasonable.
Mob Rule is not a rule.
2019/12/21 07:18:16
Subject: Another Reason You Will Never Retire.....
Indeed. Unfortunately the UK introduced laws last year which restricted the up front rents landlords could charge to 5 weeks. The standard practice before that was to charge 2 months rent up front, 'first and last' the idea of this was that tenants couldn't just up and leave without paying the last month's rent.
Heresy World Eaters/Emperors Children
Instagram: nagrakali_love_songs
2019/12/21 07:30:45
Subject: Another Reason You Will Never Retire.....
queen_annes_revenge wrote: Indeed. Unfortunately the UK introduced laws last year which restricted the up front rents landlords could charge to 5 weeks. The standard practice before that was to charge 2 months rent up front, 'first and last' the idea of this was that tenants couldn't just up and leave without paying the last month's rent.
Odd, every place I've ever rented was just 'first and last month + deposit'. And usually, it's never been an issue to end a lease.
I've only had two issues with landlords-
1: The maintenance personnel installed something in the apartment above us, but did it wrong and broke it- then the place flooded and it flooded for several days while I was away on vacation. Came home, the entire place was still flooded and all of my uniforms and clothes were ruined (And these are USMC dress blues, not the cheapest uniform). They didn't even bother to notify us, or leave a note on the door. They claimed they were not responsible for flooding, and in the contract 'flooding' was explicitly in the context of 'weather, climate, and natural disasters'. They were by contract liable for faulty maintenance. I was almost going to need a lawyer, but then the USMC got involved and threatened to blacklist their apartments (meaning: No military personnel are allowed to be on the premises, and all contracts must be ceased, and none of their associated businesses can do business with the military). The place immediately cut me a really hefty check and knocked a few months off rent. Then they tried to charge me a 'pet fee' (not 'Pet Deposit', a flat penalty fee), because I kept a friend's tiny dog for 4 days. I glared at them and asked if we needed to go down the list of damaged items with a lawyer. They never bothered me again.
2: A place had a maintenance guy that was casing apartments, and then tried to claim I pulled a gun on him when he was doing routine maintenance... at 3 AM. On a place that had no maintenance orders. Come to find out, the guy had full, unrestricted access to all the keys (and just had them in a box in his truck), and was stealing all kinds of oddities from people. Place went out of their way to deny this was the case, and were threatening to evict me until one of their contracted workers came out with the truth and threatened to put it in the local paper. Then they banned guns from the property, I ended my lease immediately, and had it not been so said- I'd have laughed when the break-ins spiked in that complex afterward (spoiler: the maintenance guy got fired and STILL had all the keys, they never changed locks). (Other spoiler: I didn't pull a gun on him, I racked a shotgun as he was trying to open the door and said 'I have a gun and I'm calling the police, I know who you are'. He went to the landlord about it, and I'd have never known it was actually him if he didn't do that- I was bluffing when I said I knew who it was).
Just random stories for amusement.
This message was edited 2 times. Last update was at 2019/12/21 07:34:19
Mob Rule is not a rule.
2019/12/21 08:03:22
Subject: Another Reason You Will Never Retire.....
NinthMusketeer wrote:In the US the homeless population is indeed quite high.
Automatically Appended Next Post:
queen_annes_revenge wrote: Just a personal aside, I've never raised rent rates for my tenants even when advised by the agent. I get enough to cover my mortgage plus most of the other things and that's fine for me. I actually rent below the advised values for that area.
But yes, I think being able to evict is important. If I leave the forces and need to buy a family home, I will need to release the value of my property to use for a deposit. I won't be able to do this if I'm obliged to let tenants remain in the property for 3 years.
I'm absolutely not opposed to regulation, I'm just opposed to regulation that's fundamentally designed to restrict the free market, and tell folks what to do with what they essentially own.
I think part of the solution to solving people's financial issues it to put more regulation on who the banks can offer credit cards to.
I think the people living there have a right to be given some time to establish new living arrangements rather than you just saying "evicted, get out by the end of the month." But I also feel that 3 years is far too long a period.
queen_annes_revenge wrote:Of course, I don't see why the, 6 month contracts they sign can't be enough
Good thing no one was planning to legislate for minimum three-year tenancies, eh?
I'm kinda torn on regulated minimum duration tenancies.
Some people could really utilise them (we would have to buy a second home if we could reliably get three month leases) but that's not a particularly common problem for most people. I think a year is most appropriate in most cases. It would be useful if month-to-month (our any term shorter than the original) rolling leases could not be tacked on to leases after the first term without the consent of both parties, but leaving the first term duration without a minimum.
2019/12/21 15:11:41
Subject: Another Reason You Will Never Retire.....
Ghool wrote: Landlords pay for maintenance? Not mine. I’ve invested over $5000 into this house to maintain it. I’ve repainted top to bottom when we moved in, replaced almost all the electrical fixtures and lights due to poor wiring, and fixed up the yard, which was a horrendous mess when we moved in.
The fence is falling apart it’s so rotten, and should have been replaced 6 years ago when we moved in. A section in the parking pad in back has already blown down, and will my landlord replace it? Nope.
He replaced the fridge only after it had completely failed and I lost 4 days worth of food. Did he replace my lost food? Nope.
Ok, so the landlord has to pay insurance. He doesn’t pay the mortgage, we do, and have done so for 6 years. Damages to the house? I fix them so I can hopefully get my damage deposit back, although it’s not likely, as he doesn’t even remember how bad of shape the place was in when we moved in. When we move, he plans on selling the place. If he gets market value for it, he essentially almost doubled his money in the time we lived here. And what did he have to do? Buy a fridge. In addition, he also owns the property next door, and rents it out to an older couple, and they have been there longer than us. In the time we’ve lived here, he’s not once even lowered the rent.
Now, granted there are better landlords out there, but it hasn’t been my experience. The last thing I’m going to do is feel sorry for some one whom I’m paying for their investment so they can leave their kids a ton of money. The only thing I’m unable to do, to afford buying a house is afford a down payment. And that’s only because I’m paying another persons mortgage, and who buys up properties for investments, which in turn drives up prices, pushing those properties further and further away from our family being able to purchase one.
And I still have to pay for the insurance and not the landlord.
And what does he have that I don’t? A down payment.
Don’t expect pity, or empathy from renters if you’re a landlord, no matter how good you are.
So the house is a gakhole, but you agreed to live there and have lived there for the past 6 years. You're spending thousands of dollars of your money maintaining it, but complain that you can't save for a down payment.
Am I crazy for thinking that there are some self-inflicted wounds there?
When there is a massive housing crunch, yeah your options are pretty limited.
There were 40 other applicants to live here that we managed to beat out.
And sure, we could move into a much nicer place. And pay twice as much per month.
So explain to me how I’m supposed to find something better and cheaper when there really isn’t any options for that?
And when finances are tight, so are options. And when there is no regulation or rent controls, yeah it’s a gak situation to be in.
Alright. Sounds like a different world from the US. There are certain shortage issues here, but not 'beat-out-40-other-people-just-to-find-a-place-to-rent' issues. The homeless population there must be high...?
Every major intersection on the way from our suburb to the mall where my wife works, has a homeless person walking the edge of the meridian with a sign asking for change where the cars line up to wait for the advanced green. Every single one. There was a mission to abolish homelessness by 2020 but it only seems to be getting worse.
What with all the subsidized housing and social programs up here, I really have no inkling how one ends up homeless in Canada.
The housing crunch has ended since our oil industry pretty much collapsed, which is why we’re moving at the end of this lease term.
But when we were looking, the number of horrendous properties people were lining up to rent was absurd. I think we looked at 30 rentals or so, and we settled for the one we’re in now. And honestly I can’t wait to get the hell out of here.
2019/12/21 18:51:34
Subject: Another Reason You Will Never Retire.....
Ghool wrote: Landlords pay for maintenance? Not mine. I’ve invested over $5000 into this house to maintain it. I’ve repainted top to bottom when we moved in, replaced almost all the electrical fixtures and lights due to poor wiring, and fixed up the yard, which was a horrendous mess when we moved in.
The fence is falling apart it’s so rotten, and should have been replaced 6 years ago when we moved in. A section in the parking pad in back has already blown down, and will my landlord replace it? Nope.
He replaced the fridge only after it had completely failed and I lost 4 days worth of food. Did he replace my lost food? Nope.
Ok, so the landlord has to pay insurance. He doesn’t pay the mortgage, we do, and have done so for 6 years. Damages to the house? I fix them so I can hopefully get my damage deposit back, although it’s not likely, as he doesn’t even remember how bad of shape the place was in when we moved in. When we move, he plans on selling the place. If he gets market value for it, he essentially almost doubled his money in the time we lived here. And what did he have to do? Buy a fridge. In addition, he also owns the property next door, and rents it out to an older couple, and they have been there longer than us. In the time we’ve lived here, he’s not once even lowered the rent.
Now, granted there are better landlords out there, but it hasn’t been my experience. The last thing I’m going to do is feel sorry for some one whom I’m paying for their investment so they can leave their kids a ton of money. The only thing I’m unable to do, to afford buying a house is afford a down payment. And that’s only because I’m paying another persons mortgage, and who buys up properties for investments, which in turn drives up prices, pushing those properties further and further away from our family being able to purchase one.
And I still have to pay for the insurance and not the landlord.
And what does he have that I don’t? A down payment.
Don’t expect pity, or empathy from renters if you’re a landlord, no matter how good you are.
So the house is a gakhole, but you agreed to live there and have lived there for the past 6 years. You're spending thousands of dollars of your money maintaining it, but complain that you can't save for a down payment.
Am I crazy for thinking that there are some self-inflicted wounds there?
When there is a massive housing crunch, yeah your options are pretty limited.
There were 40 other applicants to live here that we managed to beat out.
And sure, we could move into a much nicer place. And pay twice as much per month.
So explain to me how I’m supposed to find something better and cheaper when there really isn’t any options for that?
And when finances are tight, so are options. And when there is no regulation or rent controls, yeah it’s a gak situation to be in.
Alright. Sounds like a different world from the US. There are certain shortage issues here, but not 'beat-out-40-other-people-just-to-find-a-place-to-rent' issues. The homeless population there must be high...?
Every major intersection on the way from our suburb to the mall where my wife works, has a homeless person walking the edge of the meridian with a sign asking for change where the cars line up to wait for the advanced green. Every single one. There was a mission to abolish homelessness by 2020 but it only seems to be getting worse.
What with all the subsidized housing and social programs up here, I really have no inkling how one ends up homeless in Canada.
The housing crunch has ended since our oil industry pretty much collapsed, which is why we’re moving at the end of this lease term.
But when we were looking, the number of horrendous properties people were lining up to rent was absurd. I think we looked at 30 rentals or so, and we settled for the one we’re in now. And honestly I can’t wait to get the hell out of here.
Huh, imagine that. Who could have guessed?
This message was edited 1 time. Last update was at 2019/12/21 18:55:20
2019/12/21 22:33:37
Subject: Re:Another Reason You Will Never Retire.....
It hasn't really, we (all, and in general) have just replaced feudalism with capitalism and nobles with capitalists. Those nobles are still have power due to all the stuff they own, not because of their titles. They lost some power but not the really important bits.
Economics failure detected
That from the person who couldn't do it on his own and needed the US armed forces generous benefits to pay for college? Nice projection you got working there.
2019/12/22 00:06:53
Subject: Re:Another Reason You Will Never Retire.....
It hasn't really, we (all, and in general) have just replaced feudalism with capitalism and nobles with capitalists. Those nobles are still have power due to all the stuff they own, not because of their titles. They lost some power but not the really important bits.
Economics failure detected
That from the person who couldn't do it on his own and needed the US armed forces generous benefits to pay for college? Nice projection you got working there.
Nice insult there.
Sat on this for a few hours, but wanted to point something out to how ignorant your statement is.
Couldn't make it on our own, and needed the military to give us free money. Ok sure. So, instead of going the route that way to many have, and put themselves into massive debt for college, many of us instead choose a different path. Where we sacrifice the best years of our lifes, our physical, and our mental health, for the opportunity to earn money for college.
I just earned my Bachelors degree last month. After 12 years in school, because it took me that long with my military obligations. The things I paid for that? I've spent the last 2 years attending mental health therapy. I've spent 6 years of the 14 I've been married to my wife, on a different continent then her. I've undergone numerous surgeries. I've spent years in physical therapy. I'm looking at retiring in a couple of years with a pretty hefty helping of disability.
I'm a person who "couldn't do it on his own" according to you. That's utterly laughable, but you just keep throwing those generalizations out there buddy. In the meantime, me and my brothers and sisters will still be spending parts of our lives over there protecting your country, because you guys can't bother to maintain a military that can protect your own nation.
This message was edited 1 time. Last update was at 2019/12/22 04:34:59
Full Frontal Nerdity
2019/12/22 11:46:26
Subject: Another Reason You Will Never Retire.....
It hasn't really, we (all, and in general) have just replaced feudalism with capitalism and nobles with capitalists. Those nobles are still have power due to all the stuff they own, not because of their titles. They lost some power but not the really important bits.
Economics failure detected
That from the person who couldn't do it on his own and needed the US armed forces generous benefits to pay for college? Nice projection you got working there.
Nice insult there.
Sat on this for a few hours, but wanted to point something out to how ignorant your statement is.
Couldn't make it on our own, and needed the military to give us free money. Ok sure. So, instead of going the route that way to many have, and put themselves into massive debt for college, many of us instead choose a different path. Where we sacrifice the best years of our lifes, our physical, and our mental health, for the opportunity to earn money for college.
I just earned my Bachelors degree last month. After 12 years in school, because it took me that long with my military obligations. The things I paid for that? I've spent the last 2 years attending mental health therapy. I've spent 6 years of the 14 I've been married to my wife, on a different continent then her. I've undergone numerous surgeries. I've spent years in physical therapy. I'm looking at retiring in a couple of years with a pretty hefty helping of disability.
I'm a person who "couldn't do it on his own" according to you. That's utterly laughable, but you just keep throwing those generalizations out there buddy. In the meantime, me and my brothers and sisters will still be spending parts of our lives over there protecting your country, because you guys can't bother to maintain a military that can protect your own nation.
I'm fairly certain that was Mario turning Adeptus Doritos worldview back against him, not an actual agreement with said worldview.
For thirteen years I had a dog with fur the darkest black. For thirteen years he was my friend, oh how I want him back.
2019/12/22 12:59:22
Subject: Another Reason You Will Never Retire.....
Ghool wrote: Landlords pay for maintenance? Not mine. I’ve invested over $5000 into this house to maintain it. I’ve repainted top to bottom when we moved in, replaced almost all the electrical fixtures and lights due to poor wiring, and fixed up the yard, which was a horrendous mess when we moved in.
The fence is falling apart it’s so rotten, and should have been replaced 6 years ago when we moved in. A section in the parking pad in back has already blown down, and will my landlord replace it? Nope.
He replaced the fridge only after it had completely failed and I lost 4 days worth of food. Did he replace my lost food? Nope.
Ok, so the landlord has to pay insurance. He doesn’t pay the mortgage, we do, and have done so for 6 years. Damages to the house? I fix them so I can hopefully get my damage deposit back, although it’s not likely, as he doesn’t even remember how bad of shape the place was in when we moved in. When we move, he plans on selling the place. If he gets market value for it, he essentially almost doubled his money in the time we lived here. And what did he have to do? Buy a fridge. In addition, he also owns the property next door, and rents it out to an older couple, and they have been there longer than us. In the time we’ve lived here, he’s not once even lowered the rent.
Now, granted there are better landlords out there, but it hasn’t been my experience. The last thing I’m going to do is feel sorry for some one whom I’m paying for their investment so they can leave their kids a ton of money. The only thing I’m unable to do, to afford buying a house is afford a down payment. And that’s only because I’m paying another persons mortgage, and who buys up properties for investments, which in turn drives up prices, pushing those properties further and further away from our family being able to purchase one.
And I still have to pay for the insurance and not the landlord.
And what does he have that I don’t? A down payment.
Don’t expect pity, or empathy from renters if you’re a landlord, no matter how good you are.
So the house is a gakhole, but you agreed to live there and have lived there for the past 6 years. You're spending thousands of dollars of your money maintaining it, but complain that you can't save for a down payment.
Am I crazy for thinking that there are some self-inflicted wounds there?
When there is a massive housing crunch, yeah your options are pretty limited.
There were 40 other applicants to live here that we managed to beat out.
And sure, we could move into a much nicer place. And pay twice as much per month.
So explain to me how I’m supposed to find something better and cheaper when there really isn’t any options for that?
And when finances are tight, so are options. And when there is no regulation or rent controls, yeah it’s a gak situation to be in.
Alright. Sounds like a different world from the US. There are certain shortage issues here, but not 'beat-out-40-other-people-just-to-find-a-place-to-rent' issues. The homeless population there must be high...?
Every major intersection on the way from our suburb to the mall where my wife works, has a homeless person walking the edge of the meridian with a sign asking for change where the cars line up to wait for the advanced green. Every single one. There was a mission to abolish homelessness by 2020 but it only seems to be getting worse.
What with all the subsidized housing and social programs up here, I really have no inkling how one ends up homeless in Canada.
The housing crunch has ended since our oil industry pretty much collapsed, which is why we’re moving at the end of this lease term.
But when we were looking, the number of horrendous properties people were lining up to rent was absurd. I think we looked at 30 rentals or so, and we settled for the one we’re in now. And honestly I can’t wait to get the hell out of here.
1) It's presumptuous to say all street beggars are homeless. 2) many homeless have mental health problems, just housing provision isn't enough. 3) There needs to be accesible training in home economics or relapse is bound to occur. 4) many living on the streets are untrusting of government or institutions and will avoid involvement. 5) homelessness is way more complicated than "build houses", but having accomodation available is obviously a good first step.
2019/12/22 13:17:15
Subject: Another Reason You Will Never Retire.....
Ghool wrote: Landlords pay for maintenance? Not mine. I’ve invested over $5000 into this house to maintain it. I’ve repainted top to bottom when we moved in, replaced almost all the electrical fixtures and lights due to poor wiring, and fixed up the yard, which was a horrendous mess when we moved in.
The fence is falling apart it’s so rotten, and should have been replaced 6 years ago when we moved in. A section in the parking pad in back has already blown down, and will my landlord replace it? Nope.
He replaced the fridge only after it had completely failed and I lost 4 days worth of food. Did he replace my lost food? Nope.
Ok, so the landlord has to pay insurance. He doesn’t pay the mortgage, we do, and have done so for 6 years. Damages to the house? I fix them so I can hopefully get my damage deposit back, although it’s not likely, as he doesn’t even remember how bad of shape the place was in when we moved in. When we move, he plans on selling the place. If he gets market value for it, he essentially almost doubled his money in the time we lived here. And what did he have to do? Buy a fridge. In addition, he also owns the property next door, and rents it out to an older couple, and they have been there longer than us. In the time we’ve lived here, he’s not once even lowered the rent.
Now, granted there are better landlords out there, but it hasn’t been my experience. The last thing I’m going to do is feel sorry for some one whom I’m paying for their investment so they can leave their kids a ton of money. The only thing I’m unable to do, to afford buying a house is afford a down payment. And that’s only because I’m paying another persons mortgage, and who buys up properties for investments, which in turn drives up prices, pushing those properties further and further away from our family being able to purchase one.
And I still have to pay for the insurance and not the landlord.
And what does he have that I don’t? A down payment.
Don’t expect pity, or empathy from renters if you’re a landlord, no matter how good you are.
So the house is a gakhole, but you agreed to live there and have lived there for the past 6 years. You're spending thousands of dollars of your money maintaining it, but complain that you can't save for a down payment.
Am I crazy for thinking that there are some self-inflicted wounds there?
When there is a massive housing crunch, yeah your options are pretty limited.
There were 40 other applicants to live here that we managed to beat out.
And sure, we could move into a much nicer place. And pay twice as much per month.
So explain to me how I’m supposed to find something better and cheaper when there really isn’t any options for that?
And when finances are tight, so are options. And when there is no regulation or rent controls, yeah it’s a gak situation to be in.
Alright. Sounds like a different world from the US. There are certain shortage issues here, but not 'beat-out-40-other-people-just-to-find-a-place-to-rent' issues. The homeless population there must be high...?
Every major intersection on the way from our suburb to the mall where my wife works, has a homeless person walking the edge of the meridian with a sign asking for change where the cars line up to wait for the advanced green. Every single one. There was a mission to abolish homelessness by 2020 but it only seems to be getting worse.
What with all the subsidized housing and social programs up here, I really have no inkling how one ends up homeless in Canada.
The housing crunch has ended since our oil industry pretty much collapsed, which is why we’re moving at the end of this lease term.
But when we were looking, the number of horrendous properties people were lining up to rent was absurd. I think we looked at 30 rentals or so, and we settled for the one we’re in now. And honestly I can’t wait to get the hell out of here.
1) It's presumptuous to say all street beggars are homeless. 2) many homeless have mental health problems, just housing provision isn't enough. 3) There needs to be accesible training in home economics or relapse is bound to occur. 4) many living on the streets are untrusting of government or institutions and will avoid involvement. 5) homelessness is way more complicated than "build houses", but having accomodation available is obviously a good first step.
But this is Canada. We have all of that and more. There are shelters, support groups, free counselling, health care, welfare, subsidies, and all kinds of things for free to prevent one from living on the street. When the beggars walking in between cars during rush hour at stop lights are covered in tattoos, the problem is not a lack of care or help from the system.
Again, this is Canada, and we have ALL of those things to help prevent people living on the street.
Heresy World Eaters/Emperors Children 
)
