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Whether or not I have any business purchasing a home at this point in time should be up to a seller, not to government.
As a prudent individual, I have a long-term time horizon, and since I do not expect to have substantially more income in the future, I believe I need to purchase a home as soon as possible if I am to ever do so.
At my income, owning a modest home probably represents the difference between being able to retire with a modest standard of living (with no mortgage or with a low mortgage based on today's prices) and having to pay half my income for rent (at then-current prices) and thus never being able to retire.
You say I can't afford to own a home. I say that at my income, renting is unsustainable and I can't afford to rent for the rest of my life.
Exactly. It is up to the seller, since no one is offering a home under $100k, as you said earlier, and you cannot afford that. Even the crap homes in the ghetto of Milwaukee that are falling apart cost $30k+ and I don't think you want to live there, especially if you are white. There are smaller 1BR condos that are available for relatively cheap but many have condo fees.
Why don't you get a better job if this is something you desire to have? Why are you just putting the blame on the gov't or on other homeowners? Life may not always deal you a fair hand, but at the same time, life IS what YOU make of it.
I admire that you are wanting to provide for your future, but pointing the finger and not taking responsibility for your own situation is not going to help you here.
Exactly. It is up to the seller, since no one is offering a home under $100k, as you said earlier, and you cannot afford that. Even the crap homes in the ghetto of Milwaukee that are falling apart cost $30k+ and I don't think you want to live there, especially if you are white. There are smaller 1BR condos that are available for relatively cheap but many have condo fees.
Why don't you get a better job if this is something you desire to have? Why are you just putting the blame on the gov't or on other homeowners? Life may not always deal you a fair hand, but at the same time, life IS what YOU make of it.
I admire that you are wanting to provide for your future, but pointing the finger and not taking responsibility for your own situation is not going to help you here.
Earlier in this thread I offered the example of the $40K guest house I rented for several years; the only reason I was unable to buy it is that government determined that it could not be split from a larger house with which it shared a lot. I'm saying the only thing which stopped me was government, so yeah, I am pointing the finger at government.
I'm unskilled, unemployed, and over 50. It's highly unlikely that an employer would hire me for a good job given the above.
Earlier in this thread I offered the example of the $40K guest house I rented for several years; the only reason I was unable to buy it is that government determined that it could not be split from a larger house with which it shared a lot. I'm saying the only thing which stopped me was government, so yeah, I am pointing the finger at government.
I'm unskilled, unemployed, and over 50. It's highly unlikely that an employer would hire me for a good job given the above.
Of course it's a giveaway an expensive one at that to the tune of $100 Billion in forgone revenue. Folks needs to readjust their expectations going forward. We are broke and can't afford gimmicks like the mortgage interest deduction and Section 8.
I disagree.
Eliminate the mortgage deduction and you'll see a depression.
Earlier in this thread I offered the example of the $40K guest house I rented for several years; the only reason I was unable to buy it is that government determined that it could not be split from a larger house with which it shared a lot. I'm saying the only thing which stopped me was government, so yeah, I am pointing the finger at government.
I'm unskilled, unemployed, and over 50. It's highly unlikely that an employer would hire me for a good job given the above.
Ok, I empathize with your situation. I agree. With the position you are in, ownership (right now) may not be possible.
However, this is not the government's fault that you are unskilled and over 50. I mean no offense by this. Unfortunately, we are in sad shape and the truth is ageism exists. Anyone over a certain age (and I'll go as low as 45) is going to have a tough go of it. It still is not the government's fault you were born in X year. Call it the luck of the draw (or unluck of the draw).
I still say your best bet is to take advantage of any grant programs you might qualify for. If you don't already have a college degree you can maybe get one. Or maybe you can get a grant to learn a trade and do your own thing.
Earlier in this thread I offered the example of the $40K guest house I rented for several years; the only reason I was unable to buy it is that government determined that it could not be split from a larger house with which it shared a lot. I'm saying the only thing which stopped me was government, so yeah, I am pointing the finger at government.
That sounds like a local government zoning issue. Perhaps a State zoning issue. Exemptions are sometimes possible.
Quote:
Originally Posted by freemkt
I'm unskilled, unemployed, and over 50. It's highly unlikely that an employer would hire me for a good job given the above.
Then it sounds like you totally wasted your life, and now you want someone to subsidize your life-style.
There's no possible way I could ever own a home in the US. However, I do own a home (and two apartments), but they aren't in the US.
They only thing denying you home ownership is you.
Quote:
Originally Posted by Phil306
And this is ALL true. However, you have conveintly left out the "liberal" aspect to this. It is AGAINST the rules, of welfare, Section 8 housing, etc for this woman to have said man living with her. If she were to declare him, then they would terminate all her government assistance.
Yeah, well they never declare it, and it isn't enforced, and to my knowledge it has never been enforced.
If it was enforced, then I could walk to Kroger's without someone getting shot and killed 150 feet from me.
And not get hit up for drugs.
Or Food Stamp fraud.
Quote:
Originally Posted by Phil306
So, I find John Smith living with Jane Doe. I complete a report and send it to the proper authorities, in order to get the welfare recepients FREE money revoked. I am LAUGHED AT by the authorities.
Take a welfare mom, with 5 children, into a COURT OF LAW, in ALAMEDA COUNTY. Half of the jury will be welfare recepients too; they too, will be scamming the system. All based upon the liberal mantra of "helping people." Remember, they DESERVE that money.
Now, she is scamming the system AND getting extra money from John Smith.
You can file a Writ of Mandamus and compel HUD to perform their duties.
Quote:
Originally Posted by mistygrl092
I really do not know what you are talking about. Do you have horrible credit, no money, low income? Heck, mobile homes can go for around $60K - cheaper than rent.
That's true, but there are zoning issues.
I live in Hamilton County, Ohio, and mobile homes are banned. They did grandfather in existing mobile homes, but no new mobile homes for any reason. There are existing mobile home parks in the western part of the county, and you can buy a home and rent a lot there, but you can't buy a lot and park a mobile home on it.
If I bought a lot, and was going to build my own home, or have a private builder build one to spec, I wouldn't even be allowed to put a mobile home on the lot on even a temporary basis until construction was completed.
Quote:
Originally Posted by freemkt
No one's forcing anyone to be a landlord, but government IS forcing me to be a tenant (by not allowing ownership options I can afford), which means that government is taking my money through split roll taxation and redistributing it to homeowners.
There are many options you can afford, you just don't want to explore them.
Yes, you might have to move to another part of the State, or another State (or even another country) but there are always options.
Quote:
Originally Posted by freemkt
Oh no...I once lived several years in a rented guest house. I wanted to buy it, but government wouldn't let the owner sell it to me, since it shared a lot with another (larger) house, and the lot could not be split because of minimum lot size requirements. So when the property was sold, it was both houses or none, I couldn't afford both, a new owner wanted to move in an adult child, and I had to move.
Again, that sounds like a local zoning issue, not a federal law.
Quote:
Originally Posted by freemkt
You have nicely set up my point, which is that government DENIES poor people the option of purchasing a home through rules like minimum lot sizes.
But that would be local government, not federal government.
Quote:
Originally Posted by freemkt
Because government denies me the option of purchasing a home, I remain a rent slave, and thus I maintain standing to complain.
Your a slave to your own apathy, ignorance and lack of desire.
Quote:
Originally Posted by alphamale
Because it destroys solid, working class neighborhoods.
In Philly here's a few....Oxford Circle, Wissinoming, Tacony, Feltonville, Juniata, Mayfair, Holmesburg.
I was born in a development called Fay Apartments. Tony Perez and Chico Ruiz were neighbors during their rookie seasons with the Cincinnati Reds.
I've only been able to go back once, and that was during the 1990 Census and that was under police escort because one of the enumerators was attacked and beaten, so 20 of us went in with 8 police cruisers to finish up.
The chimpanzees throw their 40-ounce missiles into the streets, so the streets glitter at night, but it's not too healthy for the tires.
Quote:
Originally Posted by freemkt
When people get a Section 8 voucher, they have a limited amount of time to use it (to find a landlord who will accept it), otherwise it's no longer good and they have to return it, at which point the next person on the waiting list gets it. So people with Section 8 vouchers tend to make lots and lots of calls and even then some people can't find a landlord to accept them.
That isn't how it works. There are waiting lists only to enter city, county or State owned subsidized housing, and in some instances federal owned subsidize housing ("projects"), but vouchers you just renew if you cannot find a place in the allotted time.
Quote:
Originally Posted by alphamale
It is simply a transfer of wealth from the government to a property owner.
The property owner receives more from the federal government than the market will usually justify.
It's not as bad as it was. Prior to the Republican reforms in the 1990s, the formula as written by the Democrats was based on the number of "rooms" and the amount of square feet.
That allowed landlords to charge $1,200/month for an apartment that rented for $250 at market rates.
The tax payers got soaked on that one for 3 decades thanks to the Democrats.
The new method is better, but not perfect. It still can allow a landlord to inflate the rental price, but not as much.
Quote:
Originally Posted by alphamale
Section 8 has ruined more neighborhoods than war.
My great-grandparents lived in a beautiful complex called English Woods for more than 60 years. It was single story quad apartments (2x2) built after WW I and they looked like English Tudor cottages.
I wanted to go take a photo of where they lived, but never got the chance. A Section 8 property management company bought it, the chimpanzees moved in and totally destroyed it, then the EPA said there was "too much lead" and then it was demolished.
Quote:
Originally Posted by rhawkins74
And many of these women with kids that are living on Section 8 are reporting their boyfriends or husbands income, to the housing authority and to their welfare office.
Many? Like 1 out of 10,000?
The reason the US taxpayers are soaked for $Millions during the Census is because they don't report the extra income or the Census Forms. So Census workers have to canvas those areas at great cost and expense to you because they're afraid they'll lose their benefits if they fill out the forms.
Actually I was being generous when I suggested you guys are jealous. I suspect it really has more to do with judgmental arrogance. Poop-don't-stink type of mindset.
...Are you in middle school? You cannot be serious.
I can't even justify your immaturity with a response
so I hope you will gain a bit more responsibility as you get older.
Good luck to you.
Some people might say the mentality itself is what's immature, but sure, say I'm "immature" for calling you out on it.
Earlier in this thread I offered the example of the $40K guest house I rented for several years; the only reason I was unable to buy it is that government determined that it could not be split from a larger house with which it shared a lot. I'm saying the only thing which stopped me was government, so yeah, I am pointing the finger at government.
I'm unskilled, unemployed, and over 50. It's highly unlikely that an employer would hire me for a good job given the above.
Found ya a home dude Now all you gotta do is find a lot to put it on.
Tumbleweed Tiny House Company (for the MODS reading this, this is not a link to my companies website...it's a link to a "Tiny House Company")
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Now all you gotta do is find a lot to put it on.
