skulkingaround
@skulkingaround@sh.itjust.works
- Comment on Anon loves sunny days 4 weeks ago:
Those people can speak for themselves. I like getting plastered then walking around shirtless in below freezing temps. Makes me feel alive.
- Comment on Anon is a tour guide at a museum 1 month ago:
Counterargument, secondary sources are often a good filter for bogus primary sources. This is the primary reason Wikipedia does not allow primary source references.
- Comment on Anon is one sniff away 4 months ago:
You just gotta keep it casual and not creepy. Basic small talk, talk about the lessons, what’s going on in your life, current events, etc.
If they’re receptive to that and you start hitting it off, then you can try to go for a non weird compliment or ask if they want to grab some food after the lesson or something.
As for non weird compliments, avoid physical attributes that can’t be changed and don’t be sexual about it. Nice boobs = not okay. I like your hairstyle = okay.
- Comment on why isn't anyone calling for Trump to drop out. 4 months ago:
For the voters, they really don’t believe it. I have conservative family members. Everything is always “Oh that’s just bullshit cooked up by the crooked Biden crime family” “Oh he didn’t mean the words he said very clearly, what he really meant was blah blah blah”
I just don’t get it. What makes this guy seemingly have a force field that can make people deny their own eyes and ears?
- Comment on Depending on how you count 5 months ago:
Surprisingly no, not that I’m aware of. If they have, it hasn’t made the news.
It’s quite steep and smooth in person, it would be very hard to climb. Probably impossible without ropes or mission impossible suction cups.
- Comment on Depending on how you count 5 months ago:
Yeah it was a terrible concert venue and sports arena other than being a novelty shape.
Pretty much everyone in town loves the bass pro shop and we’re much happier to see it in use than abandoned like it was for so many years.
- Comment on Depending on how you count 5 months ago:
They have a duck accelerator inside that fuses antiducks and posiducks together as a source of unlimited power.
- Comment on Depending on how you count 5 months ago:
The Luxor is ever so slightly bigger I believe.
- Comment on Depending on how you count 5 months ago:
I live 5 minutes from this. AMA I guess?
- Comment on Getting old sucks 7 months ago:
I grew up with gmod idiot box and dane cook bits animated with stick figures.
I think the kids today are doing just fine, at least on the memes front.
- Comment on car insurance 7 months ago:
Then why don’t we let kids who can beat Super Mario Bros in their sleep (and thus from your perspective have demonstrated the skill required to learn how to drive) drive cars?
Well for one they can’t reach the pedals or see over the steering wheel, and the safety systems in the drivers seat are built for adult sized humans. I totally believe the average 10 y/o possesses the mental capacity to operate a motor vehicle though. I was riding dirt bikes around town at that age. Now, their risk assessment abilities might be off, but I’ve seen plenty of people way into adulthood that don’t seem to have those abilities either.
- Comment on Asking a girl out for comic book store date? 8 months ago:
From what OP wrote, they aren’t total strangers given he knows she likes comics. He sounds fairly young so I’m guessing she’s in his social circle or someone from school. If they were total strangers or just met for the first time, then yeah I’d say it would be a good idea to strike up a casual conversation or two before asking them out. You just really don’t want to develop strong feelings for them before you ask them out. It’s a recipe for pain if she says no, and can make things pretty awkward if they’re going to have to keep seeing each other regularly.
- Comment on Asking a girl out for comic book store date? 8 months ago:
It’s a good idea. You may want to plan a second activity like lunch or a walk in the park as well.
And just be direct. Something like “Hey, do you want to go on a date with me? We can grab something to eat and go to the comic store.”
If she says no, don’t push it. Just say okay and wish them well.
I too was terrible at talking to girls. I still am but my girlfriend doesn’t seem to mind lol
Whatever you do, just don’t try any pickup artist or smooth talking tactics. It’s gross and cringey, doubly so if you don’t have the confidence to pull it off.
- Comment on I'm so sick of dinky shitty devices with garbage rechargeable batteries 1 year ago:
Sanyo Eneloops are great. I have some really old ones with a lot of cycles from my Xbox controller.
- Comment on No one really understands our struggle 1 year ago:
I appreciate you taking the time to respond. To directly address some of your points, even if 10% of the population could afford to become landlords with 4 doors, the vast majority of them wouldn’t. The market will also not allow this for reasons I’ll go into below.
As for determining when there’s enough housing supply, there’s a lot of metrics you could go by. For example, average home sale price relative to median household income for the local area. Public polling to determine the number of people who are looking to buy or rent but are having issues doing so, etc. It’s not a simple problem but there are assuredly some acceptable solutions.
Vacancy rates can also be misleading, especially compared to the number of homeless people. The overwhelming majority of people in the USA are not homeless. I don’t remember the exact number, but the total homeless population is something like a fraction of a percent. Just normal housing vacancy due to turnover is a few percent of housing stock which on its own accounts for almost all of the those vacancies. It is extremely rare that residential property sits vacant for extended periods of time unless there are severe issues with it.
As for profiting off rent, until land value tax exists, I agree, renting property out exhibits of a level of rent seeking in the academic sense of the word. There is still an inherent service provided in that the landlord assumes the risk of property ownership though, but yes, I agree that in a lot of cases, the value extracted simply from being the owner of the property is excessive. I’ll get into this more below as well.
I think a major point of disagreement is that I believe that if we increase the supply, market forces can naturally balance for the demand of both renters and and owners. Assume you’re looking at an area where supply and demand are well balanced and proper measures against anti-competitive practices are in place (and also no stupid taxation schemes that make it beneficial to have vacancies, looking at you NYC). First, you have the actual ownership market. All purchasers are competing against each other to purchase property at the lowest price possible. No rational actor is going to make offers far above the actual worth of the property given that supply is saturated. That includes both owner-occupants and landlords. For landlords, there are two main considerations for value, both cashflow and gains on the value of the property. In a balanced market, the average value of a home is absolutely not going to beat something like the stock market, so as an investment, it’s not a great move beyond adding some portfolio diversification. Landlords also have to compete for the pool of potential tenants in a balanced market. If there is an oversupply of rentals, and an undersupply of tenants, home prices will go up since supply for buyers is not being met due to being carved out by LLs, and rent cashflow goes down due to tenant shortage. When this begins happening, it becomes very advantageous for LLs to sell as the prices have gone up and the rents have gone down. In theory, this mechanism should prevent things from getting out of hand to begin with. Where you see big issues is in markets where demand outstrips supply. LLs can buy out the supply from owner occupants, but instead of cratering rent, the undersupply allows them to turn around and charge obscene rates to the top percent who can afford them.
- Comment on No one really understands our struggle 1 year ago:
The main point I’m trying to make is that rentals existing is not the reason housing is expensive and difficult to obtain, it’s a supply issue. Remove red tape, build more housing, so there’s enough for all the people who want to own and the people who want to rent. Fix that, then see how it balances out with natural market forces, and then you create policy if things are still wacky.
As for profiting off rent, yes, the tenants in any of my rentals could afford a 30yr mortgage payment with the cost of their rent. However, when I start adding in costs like maintenance, property taxes, insurance, and my own time and sweat, most of my tenants are paying similar if not less out of their pocket every month than they would be if they owned the home they lived in, the only difference being that they aren’t building equity. It’s not like they don’t get anything out of the deal either, they never have to worry about finding a plumber for a weekend emergency, or having to dig up $15k when the roof needs replacing, and most importantly, they can move somewhere else with zero risk of going underwater on a mortgage. Now, all that said, there are shitty landlords and property mgmt. companies out there and I would absolutely support reasonable legislation to get them to behave.
As for renting SFH, I disagree, although I am of course biased given that most of my portfolio is SFH. Just because someone doesn’t want to be a homeowner doesn’t mean they shouldn’t have the opportunity to live in a detached house. I’m not strictly opposed to some limitations on SFH rentals, but I still think we need to fix the supply issue before looking at that further. That said, I do think multi unit housing is much more efficient, and if it were made a lot easier to build, a huge number of landlords would readily switch from SFH to that. Heck, I want to replace some of my SFH rentals with multi units (I think du/triplexes are a good balance without sticking out too much in an otherwise SFH neighborhood), but getting planning approval for it is such a byzantine nightmare that I’ve given up for the most part.
- Comment on No one really understands our struggle 1 year ago:
It might be better for that one individual who purchased for themselves, but the people who can afford to buy is a much smaller group than those who can afford to rent. A healthy housing market has a good mix of both, because even if everyone who wants to own does, there will still be plenty of people who want to rent too. Whether it’s because they aren’t planning on staying more than a few years, or simply because they don’t want to have to deal with the tribulations of home ownership of which there are many.
- Comment on No one really understands our struggle 1 year ago:
If not landlords (and it often isn’t), it would be owner occupants buying them at equally obscene prices. Contrary to what the media might lead you to believe, something like 80% of housing units are owner occupant.
- Comment on No one really understands our struggle 1 year ago:
It’s also not as lucrative as most would think. I have a few rentals and it’s certainly not enough to quit my day job in IT. It’s maybe an extra $15-20k in my pocket at the end of the year after expenses and taxes and such, and I spend at least 10-20 hours a week doing accounting, maintenance tasks, coordinating contractors, legal stuff, etc. Sure, the equity is nice too, but it doesn’t do a whole lot for me until retirement age.
As far as whether landlords can be “good”, I see myself as providing a valuable service to those who cannot or don’t want to become homeowners. In a perfect world, those who cannot but want to become homeowners should, but the cost of housing has little to do with rentals and almost everything to do with zoning, development restrictions, and tax structure. Until that world exists, someone has to offer rental properties to these people, otherwise where would they live?