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Old 10-14-2014, 10:55 AM
 
33,046 posts, read 22,121,606 times
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Quote:
Originally Posted by BajanYankee View Post
I know, right? Government regulation of child labor and wages keeps the U.S. from reaching full employment too.

Not the way government defines full employment. Only a crackpot would define full employment the way you do.
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Old 10-14-2014, 01:00 PM
 
15,739 posts, read 9,277,292 times
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Quote:
Originally Posted by freemkt View Post
Why do these assistance programs only assist homeowners? Renters should pay taxes to assist homeowners while they live in crappy urepaired homes?

And why subsidize housing mismatch? Empty nesters do not need 3BR houses; families of four need 3BR houses. Singles who need roommates to afford housing need 3BR houses.

Government assistance to help seniors stay in 3BR homes contribute to the shortage of affordable housing.
You don't get to decide what anyone else needs. If I can afford a 20 bedroom house, then I can buy it.
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Old 10-14-2014, 04:24 PM
 
Location: Vallejo
14,094 posts, read 16,130,435 times
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Not to mention there's plenty of assistance for renters (Section 8, afforded by others housing). It by far dwarfs the minimal amount of welfare on downpayment assistance and such for low-income, "first-time" buyers.
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Old 10-14-2014, 08:44 PM
 
Location: Lakewood OH
21,698 posts, read 23,713,463 times
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Quote:
Originally Posted by freemkt View Post
Why do these assistance programs only assist homeowners? Renters should pay taxes to assist homeowners while they live in crappy urepaired homes?

And why subsidize housing mismatch? Empty nesters do not need 3BR houses; families of four need 3BR houses. Singles who need roommates to afford housing need 3BR houses.

Government assistance to help seniors stay in 3BR homes contribute to the shortage of affordable housing.

So what would you do? Kick people out of homes they worked hard to pay for just because their children grew up and left home? Maybe these homeowners will decide to rent out the empty rooms or maybe their kids and grandkids will use the rooms to visit from out of town. What kind of police state are you talking about where you would take property away from people because there weren't enough people to room ratio and who gets to decide that?

Kick out people from their homes just because they become old and their homes become too big for them in your twisted opinion. Nice.
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Old 10-14-2014, 09:09 PM
 
33,046 posts, read 22,121,606 times
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Quote:
Originally Posted by ringwise View Post
You don't get to decide what anyone else needs. If I can afford a 20 bedroom house, then I can buy it.

Actually, taxpayers and government DO get to decide what anyone else needs, when tax dollars are involved.

You are free to buy a 20 bedroom house, just don't expect government to fix it up for you.
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Old 10-15-2014, 09:40 AM
 
3,492 posts, read 4,969,063 times
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Hey freemkt,

I didn't know you were renting one room in a four adult house.

I would say that the case for buying then would be quite awkward in your situation.

In regards to my suggestion that people leave the region they are in or from, sometimes I do suggest that. However, in most areas the housing and wages are not so horribly mismatched. I selected OKC because I wanted to use the lowest minimum wages possible.

For instance, Oregon min. wage is 9.10 an hour.

http://www.realtor.com/realestateand...6-26237?row=13

One of the most upscale areas is Lake Oswego.
Here is a condo for $70,000. Two bed, one bath. This is within reason for someone making minimum wage there.

I can't make minimum wage work in the following areas:
New York, San Fran, LA, or the state of New Jersey or CT.

Prefer the East Coast? How about NC?
http://www.realtor.com/realestateand...8-33662?row=49

Want to be in Florida? How about near Miami?
http://www.realtor.com/realestateand...0-51628?row=24
It's a one bed / one bath for 70k.

Prefer the valley of the sun?http://www.realtor.com/realestateand...20-42714?row=9
two bed / two bath for 70k. It was actually much harder to find a good bargain when I browsed the phoenix listings compared to several of the other cities.

The point is: Ownership opportunities do exist for people with lower income. Freemkt, if you want me to tailor this for you, just post your hourly wages and city/state and remind me to return to the thread--because I am terrible about remembering.

If you're spending less than 30% of your income on rent, that's great. I assume 30% towards housing as a standard figure. It is true that some cities simply don't have cheap housing available, but living in those areas is not a divine right.

As I've pointed out, Iowa sucks. However, if you look at the cheaper part of Iowa (Des Moines), you can find this fairly nice 3 bed/2bath for 75k. Unfortunately, the buyer may find they are stuck in Iowa.
http://www.realtor.com/realestateand...2-63239?row=58
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Old 10-16-2014, 03:35 PM
 
33,046 posts, read 22,121,606 times
Reputation: 8970
Quote:
Originally Posted by Minervah View Post
So what would you do? Kick people out of homes they worked hard to pay for just because their children grew up and left home? Maybe these homeowners will decide to rent out the empty rooms or maybe their kids and grandkids will use the rooms to visit from out of town. What kind of police state are you talking about where you would take property away from people because there weren't enough people to room ratio and who gets to decide that?

Kick out people from their homes just because they become old and their homes become too big for them in your twisted opinion. Nice.

No need to kick anyone out, just stop using tax dollars to fix up their homes. This is a popular use of federal Community Development Block Grant (CDBG) funds, which are intended by Congress to be used for the benefit of low and moderate income households, and allocated by local governments
for the benefit of those with political clout or favor.

These tax dollars rarely get to the people who arguably need them most - poor renters - because the money goes to favored groups (like homeowners with votes and assets) or to displace spending that normally comes from a local general fund (like street paving in low/moderate income neighborhoods).
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Old 10-16-2014, 03:53 PM
 
15,739 posts, read 9,277,292 times
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Quote:
Originally Posted by freemkt View Post
No need to kick anyone out, just stop using tax dollars to fix up their homes. This is a popular use of federal Community Development Block Grant (CDBG) funds, which are intended by Congress to be used for the benefit of low and moderate income households, and allocated by local governments
for the benefit of those with political clout or favor.


These tax dollars rarely get to the people who arguably need them most - poor renters - because the money goes to favored groups (like homeowners with votes and assets) or to displace spending that normally comes from a local general fund (like street paving in low/moderate income neighborhoods).
Please show me, specifically, where that wording is in the grant language.

Why do you hate old people so much? They've spent their lives giving back to their community, and now could use a helping hand. As opposed to, say, those that have never given back and do nothing but complain.
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Old 10-16-2014, 07:01 PM
 
2,553 posts, read 2,009,570 times
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Quote:
Originally Posted by ringwise View Post
Why do you hate old people so much? They've spent their lives giving back to their community, and now could use a helping hand. As opposed to, say, those that have never given back and do nothing but complain.
That kind of outright derisive language belongs on P&OC. It's absurd to suggest that, because a person doesn't like how spending gets directed away from a stated purpose, he or she "hates" old people. It's certainly not useful. It's like a middle finger.
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Old 10-16-2014, 08:40 PM
 
Location: Lakewood OH
21,698 posts, read 23,713,463 times
Reputation: 35455
Quote:
Originally Posted by freemkt View Post
No need to kick anyone out, just stop using tax dollars to fix up their homes. This is a popular use of federal Community Development Block Grant (CDBG) funds, which are intended by Congress to be used for the benefit of low and moderate income households, and allocated by local governments
for the benefit of those with political clout or favor.

These tax dollars rarely get to the people who arguably need them most - poor renters - because the money goes to favored groups (like homeowners with votes and assets) or to displace spending that normally comes from a local general fund (like street paving in low/moderate income neighborhoods).
But you are effectively kicking them out of their homes if they cannot receive this help. Then they must join the ranks of the poor renters. So no one wins.

Who are you to determine what is and what isn't a "favored group?" I suspect your main concern is simply how to obtain more of these tax dollars for yourself and therefore you feel that anyone else who is given them is given them unfairly. Why not move to a city where the COL is within your means or work harder to earn more to stay where you are? Stop waiting for the government to fix your problems.
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