State of the Union 2024

[MrSquished]

In NYC the housing isn't the problem as much AFFORDABLE housing because landlords love to make a killing. Outer boroughs is much more affordable but like you said not many want to commute for 45 mins in the subway.

And I don't think homes are going down in value anytime soon for the first time home buyers either.. not close to major metropolis. I have a friend who I've known since middle school. He moved out of NYC to Washington State in the 2000's due to it being too expensive, then he moved to Texas in 2010's and bought a home for get this.. $70,000. His truck costs more than his house!

So I don't think this problem is getting solved and it'll be the people who themselves move into suburban areas as they get older or move away as they know they have a limited time where they can earn money and they don't wanna be homeless afterwards.

the housing is the problem in NYC. NYC is short about 400,000 units to equalize demand and supply. That's a lot of units that mandated affordable housing mandates can't fix. Build more density especially near transit.

 

[Moonbeam]

The conservative freak out over this was something.

Where did you see it?

 

[dank69]

This is all system speak as I warned you no amount of warning would prevent you from doing. It's like trying to explain a cube to a square or a line to a dot.

That is one of two possibilities I can see off hand. It's not there or I don't see it. In either case it was your argument that something is there and mine that it was vacuous, so if you can't point to anything I will assume myself correct. I am willing to engage but I don't need to. You made my case for me in my opinion.

 

[Moonbeam]

It flies in the face of reality so much that it was the way the US worked for the vast majority of its history, lol.

We can solve the housing problem by you minding your own business.

You will put your systemic bandage on the housing problem. That will never solve the human misery the system creates then struggles to fix. There is nothing wrong with your intentions but you have your priorities wrong in my opinion. The housing problem is the result of people needing a job to survive plus the desire of employers to pay as little as possible for the work they need done.

 

[Zorba]

If I may, I believe that what your wife is saying could have little to do with the time you spend on one thing, but possible the feeling that for some reason you are not paying enough attention to her. If so, several problems attend to that. It may be that you have feelings you may not be aware of that are making her feelings factual. Another is that her fear you aren't interested in her in a way that is reassuring will cause her to express a neediness that will drive anybody away. If the situation is bad enough perhaps third party counseling could help.

Thanks for the input. In this case I think it is invalid. We spend basically all day everyday together. She doesn't like when it interferes with our normal schedule, like having to have dinner later or it affecting a morning on vacation.

She just doesn't like having her schedule affected.

 

[Moonbeam]

I would have loved to be able to live in a smaller, modern studio at a reasonable price when I was in graduate school, instead of having to share a run-down 3 bedroom apartment with roommates. The roommates were fine, but it's not like I even had much real choice in the matter.

I see the locals defining not much choice in the matter as happy free will.

 

[Brainonska511]

I see the locals defining not much choice in the matter as happy free will.

Locals defining the choices is them slamming the door to their neighborhood after they moved in. Hermetically sealing their neighborhoods in amber.

 

[Moonbeam]

Thanks for the input. In this case I think it is invalid. We spend basically all day everyday together. She doesn't like when it interferes with our normal schedule, like having to have dinner later or it affecting a morning on vacation.

She just doesn't like having her schedule affected.

Glad to hear my conjectures are invalid as it sounds like they are.

 

[Moonbeam]

Locals defining the choices is them slamming the door to their neighborhood after they moved in. Hermetically sealing their neighborhoods in amber.

No wonder either. Californians passed Prop 13 way back when. I voted against it, but they did so because the rising value of their properties caused property taxes to force low income people who happened to buy in the right area to be forced out of their homes in droves. People who feel attacked practice self defense. They bought in a neighborhood that they liked and want to keep it as it is because it is what they want it to be. I live in such an area. What I do or think changes nothing. I have always voted for the interests of others over what is best for me financially. Some what to take what people have. Others want to protect what they have from being taken. The structure of our system insures that will happen. Sleeping zombies have been thrown into a boxing ring. I don't even sell tickets.

 

[fskimospy]

I've enjoyed my trips to cities, but with my wife and I both working from home (me 100%), a small space is a giant NOPE. 🙂 I also do recording as a hobby so shared walls would suck too.

I'd love to live in the country except I am allergic to rednecks and Maga types. My band has played in many a redneck dive or VFW and I break out in hives when the morons start ranting. Excuse me, gotta go take this call....

Other than weekend gigs my mileage has shrunk to silly levels...maybe 5-10 miles a week at most.

And this is the beauty of the YIMBY position. Some people love to live in dense areas, some people don't. Everyone has the choice to live where they like best!

You will put your systemic bandage on the housing problem. That will never solve the human misery the system creates then struggles to fix. There is nothing wrong with your intentions but you have your priorities wrong in my opinion. The housing problem is the result of people needing a job to survive plus the desire of employers to pay as little as possible for the work they need done.

This is a supply problem, not a demand problem. If employers paid more then the price of housing would just go up too.

The only solution is to create more housing. There is no other option.

 

[fskimospy]

No wonder either. Californians passed Prop 13 way back when. I voted against it, but they did so because the rising value of their properties caused property taxes to force low income people who happened to buy in the right area to be forced out of their homes in droves. People who feel attacked practice self defense. They bought in a neighborhood that they liked and want to keep it as it is because it is what they want it to be. I live in such an area. What I do or think changes nothing. I have always voted for the interests of others over what is best for me financially. Some what to take what people have. Others want to protect what they have from being taken. The structure of our system insures that will happen. Sleeping zombies have been thrown into a boxing ring. I don't even sell tickets.

Yes, and by not allowing your neighborhood to build adequate housing so that it never changes you’ve caused demand to vastly outstrip supply and prices to skyrocket.

It takes some real lack of awareness and/or chutzpah for people to create a humanitarian crisis that massively enriches them and then complain they are the real victims and must be exempted from higher taxes that directly resulted from it.

 

[ivwshane]

I’m still a few pages behind but with regards to CC debt:

A casual search of credit card balance carryover I found numbers ranging from 35%-50% off CC holders paid off their credit card each month.

However even that is a useless number unless we have historical data to compare to.

 

[Moonbeam]

And this is the beauty of the YIMBY position. Some people love to live in dense areas, some people don't. Everyone has the choice to live where they like best!

This is a supply problem, not a demand problem. If employers paid more then the price of housing would just go up too.

The only solution is to create more housing. There is no other option.

Your answer is accurate only in that it conforms within the system where people depend on jobs to survive. It is all based on the fear we all have of death. You never look at where the misery comes from because you yourself are good within the system. You also take the relief you personally feel and the perks you are able to garner personally within the system as real life unconscious of the true misery your religion creates.

 

[MrSquished]

Your answer is accurate only in that it conforms within the system where people depend on jobs to survive. It is all based on the fear we all have of death. You never look at where the misery comes from because you yourself are good within the system. You also take the relief you personally feel and the perks you are able to garner personally within the system as real life unconscious of the true misery your religion creates.

I fear the death of my soul, and so do many others, if forced to live in your low density single family paradise. Death by the burbs. It happens.

 

[manly]

More to the point, some signs of strain for lower-income households even as inflation has sunk to ~ 3% annualized:

Overall, 3.1% of outstanding debt became delinquent by December, and rates were especially high for credit card and car loan debt. About 8.5% of credit card balances and 7.7% of auto loan balances transitioned into delinquency in 2023.

High interest rates are causing more car loan delinquencies, Fed researchers say

Researchers at the Fed warn it signals 'financial stress' among younger and lower-income households

qz.com

 

[Moonbeam]

I fear the death of my soul, and so do many others, if forced to live in your low density single family paradise. Death by the burbs. It happens.

Treatment is available but it probably won't be able to help you. You would go into it with the intention of being even better at amping up your irrational state. Boredom is a disease that affects boring people. One cure is to go into a monetary and sit until you realize that the only place your beliefs are real is in your own head. We create them ourselves via thought and imagination, memory of the past projected into the future, doom that no matter what you do is just around the next corner. I really think that I would be the one between the two of us who would be happy in a pod in NYC. Everywhere I go there I am. Oh my Beloved, wherever I look it appears to be Thou. A rose or a dump at the front door, it's all the same is it not?

 

[dank69]

I know how to better spend your time on earth than you do, but no amount of mansplaining will be able to help you see it.

 

[Moonbeam]

More to the point, some signs of strain for lower-income households even as inflation has sunk to ~ 3% annualized:

High interest rates are causing more car loan delinquencies, Fed researchers say

Researchers at the Fed warn it signals 'financial stress' among younger and lower-income households

qz.com

I decided to lease a car so as not to have to worry about it breaking down but when I went to get a new one I was unable to get a new one at the same price was hundreds of dollars more even though the buy out price was up to 14,000 less than what my car was selling for used. The only option that made sense was to buy it outright which I did. Now if I want I can keep it or sell it but if I do I will not finance in this market but pay cash. But my niece was able to a gas Ford Escort for for the same lease price. I bought a top of the line hybrid in great demand due to best in class reviews. Hard to get a deal on it like I did during the pandemic.

 

[Moonbeam]

I know how to better spend your time on earth than you do, but no amount of mansplaining will be able to help you see it.

I am perfectly aware that is what you would hear. The religion, the system you live in is all about competition. Yours is a world where people walk around knocking the crown off each other's heads. To be the master of that world is as easy as falling off a log. One needs only to be a nobody. Hello me. Hahahahahaha. I'm a bigger nobody than you are. You don't have a chance. I can do anything you can do better, I can do anything better than you. Yes I can. Yes I can. Yes I can.

Be in the world but not of it. A saying

 

[dank69]

I am perfectly aware that is what you would hear. ...

And I'm perfectly aware that you would not hear it.

 

[repoman0]

A monastery, the pinnacle of culture and creation. To hell with being near art, music, history and humanity. We should all live like monks do or we’re boring.

— someone who doesn’t actually understand people

 

[fskimospy]

I am perfectly aware that is what you would hear. The religion, the system you live in is all about competition. Yours is a world where people walk around knocking the crown off each other's heads. To be the master of that world is as easy as falling off a log. One needs only to be a nobody. Hello me. Hahahahahaha. I'm a bigger nobody than you are. You don't have a chance. I can do anything you can do better, I can do anything better than you. Yes I can. Yes I can. Yes I can.

Be in the world but not of it. A saying

It’s sad how much people will invent a new reality in order to justify their own selfishness.

 

[Indus]

It’s sad how much people will invent a new reality in order to justify their own selfishness.

Always been this way..

I know we disagree sometimes since I'm a NIMBY liberal and you're a YIMBY liberal but Moonbeam is just Trump on this forum.. inventing fictional reality in every post.

 

[manly]

404 Self awareness not found

 

[fskimospy]

Always been this way..

I know we disagree sometimes since I'm a NIMBY liberal and you're a YIMBY liberal but Moonbeam is just Trump on this forum.. inventing fictional reality in every post.

If you consider yourself a liberal then you should ask yourself why you support policies that cause mass homelessness.