this post was submitted on 22 Oct 2023

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354

Got 'em! (lemmy.world)

submitted 11 months ago by [email protected] to c/[email protected]

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[–] [email protected] 17 points 11 months ago

Well done, my minions. The mortals' courage begins to wane! Now, let's see how they contend with the true Lord of Blackrock Spire!

[–] [email protected] 15 points 11 months ago (1 children)

But now she can rent it and pay their mortgage!

[–] [email protected] 0 points 11 months ago

She can make BlackRock back to pay their own mortgage, by calling on a BlackRock fund with all her money, and pay here mortgage with its returns!

[–] [email protected] 7 points 11 months ago (1 children)

As if that hypothetical person ever had a chance post 2008.

[–] [email protected] 5 points 11 months ago

Wife and I both bought houses in 2009. Feds were literally giving out tax credits to encourage people to buy. Homes were dirt cheap then.

Going off your comment it sounds like you are too young to remember this.

[–] [email protected] 7 points 11 months ago (3 children)

Maybe she should close her legs

Every Republican male.

[–] [email protected] 3 points 11 months ago (1 children)

Maybe she should open her legs

The other Republican half

[–] [email protected] 1 points 11 months ago

its not my fault she got pregnant after we had sex—but if she refuses to birth my child, she should go to prison.

[–] [email protected] 2 points 11 months ago

And when people opt for abortion or refuse to procreate, those republicans will go ape.

[–] [email protected] 2 points 11 months ago

Maybe republican male should stop browsing CP or Qanon or whatever they do these days.

[–] [email protected] 2 points 11 months ago

is that Zach Wilson

[–] [email protected] 0 points 11 months ago (1 children)

As if a single mother of 4 could ever get close to affording a house

[–] [email protected] 1 points 11 months ago (1 children)

Maybe she won the lottery or sold the 5th one she never liked anyway? 🤷

[–] [email protected] -1 points 11 months ago (1 children)

You can afford a house in most states on about $100k. She's just a single mom, don't assume she doesn't have a solid education.

Sexists in here, smh.

[–] [email protected] 2 points 11 months ago* (last edited 11 months ago)

$100k is almost double the average income of single mothers (of ANY education level) though, and, again on average, more than a third of their income go towards childcare.

Add the fact that someone with 4 children would pay MORE than average in childcare and other expenses including ridiculously high rent and there REALLY isn't enough left over to ever afford a house anywhere but the least desirable parts of the least desirable states.

I'm not being sexist, you're downplaying the ongoing national emergency of deep systemic poverty.

[+] [email protected] -10 points 11 months ago (5 children)

I have to raise rent on the single mother of 2 again...
Inflation hits us all honey.

[–] [email protected] 6 points 11 months ago

If you feel so guilty about it, just sell her the unit at a price she can afford. Oh wait, you won't do that, because that would make your life harder, because then you wouldn't be able to profit off her efforts.

Stop feigning remorse for a wrong you won't stop doing.

[–] [email protected] 6 points 11 months ago (1 children)

It must be weird to know that just dropping dead would actually make the world a tiny bit better than not. I wonder if that's how an intestinal parasite feels?

[–] [email protected] -3 points 11 months ago (2 children)

I think it would make the day of my employees harder for a few months.
I think it would make the rest of all of my wifes days really really bad.
I think the only people who would be happy that i just died would be people on the internet with superiority complexes.

[–] [email protected] 1 points 11 months ago (1 children)

You should buy a better life insurance policy. What kind of person doesn't plan for the possibility of their spouse needing to be on their own?

Wait, we already know EXACTLY that kind of person, don't we?

[–] [email protected] -2 points 11 months ago (1 children)

I have one. I didn't even mention anything financial. Funny that this is all you guys think about.
You ever had a loved one die? Seems like you don't know how horrible that is.
Case closed.

[–] [email protected] 1 points 11 months ago (2 children)

Do you have to? or are you driving a fancy car, taking vacations, buying name brand clothing, spending money on over priced drinks.... i don't think you have to, i think you care about spending money on something that doesn't matter more than that mother and her children.

[–] [email protected] 1 points 11 months ago (2 children)

"Nice" cars, taking a Vacation, and name brand clothing isn't the demographic of rich we should all be fighting against. The actual rich wouldn't define anything they do or buy that way. They don't buy nice or fancy cars, they buy luxury cars. They don't buy name brand clothes, they buy designer clothes. They don't go on vacation, they just travel to their 10th summer home on their 3rs yacht and take a couple conference calls on the way.

I hate seeing the definition of middle class and the lower class fighting against each other. That's literally what the ultra rich want, they love it, it's their other favorite hobby.

Just because someone might barely make it out of the lower class and be able to afford a higher trim level on their Honda, and actually take a vacation doesn't mean that's a bad thing, what should fighting together for that be a thing for everyone in the lower class.

[–] [email protected] 2 points 11 months ago

The whole reason a middle class was ever allowed was to keep the poors from eating the rich.

[–] [email protected] -1 points 11 months ago

Yes i have to. Every unit has to be a net positive to itself or at least stay a small net negative so other units can catch a non-scheduled repair. I'm pretty sure the tenant wouldn't be happy to have to look for a new place just because a pipe broke.
Yes, i drive a Taycan and my wife has an ID.5.
Yes, i sit in my garden and enjoy whatever the weather allows me to.
Yes, i exclusively buy clothes made from good quality natural materials. A sweater of the brand of clothes i buy costs about 160€ and lasts about 8 Years. I have not had to replace one yet and i own about 40 pieces of clothing in total. Not counting suits.
What is an overpriced drink? I drink filtered tapwater, sometimes carbonated and at the rare occasion that i eat in a more fancier setting i drink Sprite.

[–] [email protected] 1 points 11 months ago (1 children)

What part of your expenses went up. Your own or the cost of owning the home?

[–] [email protected] -1 points 11 months ago (2 children)

All of them. Food, gas, petrol, property tax, car payments, electricity, water, my employees.... you name it, it got more expensive.

[–] [email protected] 2 points 11 months ago (1 children)

Exactly the problem. You rely on other people to pay you more than a thing is worth so that you can remain in a lifestyle that is no longer sustainable. Fuck you.

[–] [email protected] -2 points 11 months ago (1 children)

Nice assumption. Wrong.

[+] [email protected] 1 points 11 months ago (1 children)

[deleted]

[–] [email protected] -2 points 11 months ago (1 children)

I manage 10 employees, i drive to customers and do electrical or system administration if any of my employees are ever sick, i do many repairs on the units i rent out myself, and if I can't because i cannot meet best practices in that specific field i work on getting someone to fix it.

[–] [email protected] 0 points 11 months ago (1 children)

Guess what... aside from property tax and employees (which are your cost of doing business), your tenants also have to shoulder all those extra costs. And now they get slugged by your rent increases as well.

[–] [email protected] -1 points 11 months ago (1 children)

While I agree to a point, apart from property tax and employees there's more costs that i face so the tenant doesnt have to.
Insurance (both from natural causes and unnatural damages), the aforementioned property tax, waste and fresh water, appliances that have to be replaced, corrosion damage, trash disposal, street cleaning etc.
I get the slight feeling that you only ever rented? This is all part of the rent. You are paying a part of all this with your rent. I get an average of 400 before tax a month on each unit.
You think the eingle mother of 2 could afford a mortgage of more than the rent (US centric, in Europe it'd be a loan) and all the running costs?

[–] [email protected] -1 points 11 months ago (1 children)

While I agree to a point, apart from property tax and employees there’s more costs that i face so the tenant doesnt have to. Insurance (both from natural causes and unnatural damages), the aforementioned property tax, waste and fresh water, appliances that have to be replaced, corrosion damage, trash disposal, street cleaning etc.

Wherever I have rented, I paid for my electricity and water usage. So unless you're talking about your own electricity and water usage, I'm not sure what you mean by "facing costs so the tenant doesn't have to". Structural insurance is not a cost the tenant would bear themselves if you didn't, since they can't take out insurance on a structure they don't own. So if you weren't bearing that cost, your property would simply be uninsured. The rest are pretty much your business costs.

I get the slight feeling that you only ever rented?

You'd be mistaken. I have been in the fortunate position of not having to rent for the past ten years - I've dealt with too many shitty landlords and middlemen to ever want to do it again. And the same way you don't care if a tenant's salary is going up enough to be able to afford your rent increases, I don't care what you make on renting out a unit. You could be breaking even for all I care. Your business model is predicated on people being able to afford your rent, and if purchasing (or, if you will) renting power is reducing across the board due to ever increasing cost of living, well, then you don't have a viable business. Nobody forced you to be a landlord, nobody ever said your investment was going to be risk-free.

You think the eingle mother of 2 could afford a mortgage of more than the rent (US centric, in Europe it’d be a loan) and all the running costs?

In many markets, private landlords set their rent so that the renter is pretty much paying the mortgage on the rented property, plus the running costs. The Australian market in particular is so inflated right now that many renters would actually be better off paying a mortgage on the same place they're renting.

[–] [email protected] -2 points 11 months ago

Wherever I have rented, I paid for my electricity and water usage.

Ok, cool. My Tenants don't.

The Australian market in particular is so inflated right now that many...

Cool, not Australian.

[–] [email protected] 0 points 11 months ago (1 children)

Inflation is fake.

[–] [email protected] -3 points 11 months ago

You can dream bobby, but your dreams are not reality.