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Should Gaj make his own thread This poll is closed. |
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| Yes, make a new thread |
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6 | 54.55% |
| No, keep things just how they are |
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5 | 45.45% |
| Total: | 11 votes | ||
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Iron Crowned posted:They all come standard with a built in TV, Air-Conditioner, sound system, and wiring for solar panels (solar panels are extra). Even with those "extras," that's an astronomical price for just somewhere to sleep and cook, so those are pretty much out for the future of post-boomer hellworld. You think the sticker price is bad, wait for the maintenance costs. We have 3 huge RV lots within 10 miles of me that can’t possibly sell enough campers to stay in business. Turns out there are very few places that can work on a full sized RV and they charge accordingly. Also about half of the RV’s on their lot are already owned and just there paying rent for a parking space. I sometimes look wistfully at those little $3k teardrop plywood campers that only weigh a ton and can be towed by almost anything, but my wife would loving cut me if I ever bought one.
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Feb 13, 2020 15:05
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Phlegmish posted:It's very much an edge case, but it is possible (in Belgium) to end up with a lower net salary after a tiny raise due to the way monthly income tax is calculated here. I can imagine some people being afraid they'll 'lose money' because they don't properly understand the relationship between monthly payroll taxes and their yearly declaration. See also, the confusion as to what a tax refund actually represents. Yeah, in my experience, people always look at the amounts withheld on a paycheque and just the refund at the end of the year, instead of the actual net tax percentage. I remember hearing of one instance in which a super-high tax bracket actually deterred someone from working: prize fighters. If I've already made $1 million this year, and my next fight of $200,000 is going to be taxed at 90%, then a net $20k payout might not be worth me risking injury or worse for that. Again, that's for boxers who are mortgaging their future health and wellness to make money now, not rich people with investment income. I also hear a lot of boomers complain about how "Trudeau constantly raises taxes", despite one of the first things he ever did was cut the second-lowest tax bracket of ~$45-90k from 22% to 20.5% and introduced higher brackets above $220k or so. It means gently caress-all for the bottom 50% of Canadians, but anyone making between $90-220k had a sweet tax cut (and anyone making under that got some, too). They also balanced out a per-litre tax on gasoline and fuel with a flat refundable credit on your taxes that saves 80-90% of people money. "Well, I never saw that last part, therefore it doesn't exist!" I'm not defending the guy, but if you're going to criticize, criticize something real.
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Feb 13, 2020 15:41
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Krispy Wafer posted:You think the sticker price is bad, wait for the maintenance costs. We have 3 huge RV lots within 10 miles of me that can’t possibly sell enough campers to stay in business. Turns out there are very few places that can work on a full sized RV and they charge accordingly. Also about half of the RV’s on their lot are already owned and just there paying rent for a parking space. To add to that, I see advertisements for those lots and they tell you to ask about their 180 month loans. That's a 15 year loving loan! 
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Feb 13, 2020 16:06
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Iron Crowned posted:To add to that, I see advertisements for those lots and they tell you to ask about their 180 month loans. That's a 15 year loving loan! Only half as long as a mortgage! 
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Feb 13, 2020 16:48
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Neito posted:Only half as long as a mortgage! Clearly the most affordable option for the boomer living in a full size RV outside my neighbor's house.
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Feb 13, 2020 16:58
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Iron Crowned posted:I drive by an RV dealership on my commute, and I was starting to get a little wistful about camping as a kid. Thinking that would be nice to just have a little trailer I could just park, and then go do my thing without needing to set up a tent, I looked up the price. Those fuckers are $17,000 new, and even used the cheapest I could find was $12,000. I could buy a palatial set of backpacking equipment for that price. Actually like 4 sets of the same equipment.
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Feb 13, 2020 17:10
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My friend’s retired boomer parents just bought a camper van and love it so far. Those look about the same price new as a new RV though.
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Feb 13, 2020 18:33
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Fallom posted:The idea of a "starter" home is insanely boomer Yeah there's also an implication there that you should own multiple homes, that should always be the goal to leverage as many homes as possible. If people just got their homes and accepted them as all they need maybe they wouldn't be so drat expensive and always empty from constant speculation. They should make speculation on homes illegal by anyone other than individuals, and institute a special extra high tax for empty homes. You Are A Elf posted:Boomer walks into the Quik Trip I was at during work today asking if they had any newspapers because “I guess no one really cares about the news anymore, huh?” When the clerk pointed out that they indeed had newspapers, the Boomer takes one and smugly announces to no one that “at least I’ll be well-informed.” lol everything is an opportunity to make them feel above someone else, even something as completely basic and average as purchasing a newspaper here's some news for that old coot: most of us don't buy individual newspapers because we either have a subscription that's delivered or just read it on our phones. I bet people read news more than they ever did before now that we have all the news in our pocket ProperGanderPusher posted:My friend’s retired boomer parents just bought a camper van and love it so far. Those look about the same price new as a new RV though. You can get used ones for much cheaper. After retirement my parents traveled around Europe in a van and then did the same thing in the US
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Feb 13, 2020 19:07
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RV Chat: I know a Millenial couple who bought an insanely expensive RV ($75k+) over an even crazier length of time and after a couple years of expenses and issues they didn't account for, seem pretty miserable about the whole thing. Every so often they ask us if we're "going to get the bug" and buy one, however I very firmly tell them "No".
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Feb 13, 2020 19:14
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Professor Shark posted:RV Chat: I know a Millenial couple who bought an insanely expensive RV ($75k+) over an even crazier length of time and after a couple years of expenses and issues they didn't account for, seem pretty miserable about the whole thing. Every so often they ask us if we're "going to get the bug" and buy one, however I very firmly tell them "No". I know it's insane, but $75k is bottom tier for motorhomes. They routinely run $130k-$250k. I had a couple of less expensive travel trailers when my kids were younger. We took some really cool trips in them and made some great memories. I didn't have the last one long enough to incur maintenance costs, but still took a beating on the resale vs. what I had paid for it. TotalLossBrain fucked around with this message at 19:39 on Feb 13, 2020 |
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Feb 13, 2020 19:35
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A few years ago my brother sold/got rid of most of his possessions, left his horrible job in Oklahoma and bought a van that he now lives in. He drove around the country doing temporary work for a few years, then had a full emotional breakdown where he came back and stayed at our parents' house for awhile, and now he's back out on the road. The van is paid off and he recently bought a tiny motorcycle to put on the back of it for short trips. Nearly everyone in the family thought he was crazy when he first announced he was going to do this, but now everyone thinks he had the right idea. gently caress home ownership and gently caress making payments. In a few years when gas is prohibitively expensive I guess he can cover it with solar panels and stay in the southwest where it's sunny all the time. Beats living in a cardboard box which is probably what I'll be doing. My parents will probably never sell their house at the rate things are going, so I guess I could just live with them until we all die. It could be worse.
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Feb 13, 2020 20:03
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DorkusMalorkus posted:My parents will probably never sell their house at the rate things are going, so I guess I could just live with them until we all die. It could be worse. well that's how it worked for hundreds of years until the concept of the nuclear family was conjured up to sell more refrigerators
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Feb 13, 2020 20:09
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Drove from Vegas to Death Valley on a recent trip and saw a bunch of RVs with the wheels blocked and covered in solar panels so maybe they know what's up
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Feb 13, 2020 20:15
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Quick note: I like this vox video about how tax brackets work. https://www.youtube.com/watch?v=VJhsjUPDulw
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Feb 13, 2020 20:38
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Andro Dunos posted:There's a clip of Obama giving a speech about his tax proposal back in 2012 or something where he mentions tax brackets and explains that only the money in that bracket gets taxed at the higher percent and a few people in the crowd started booing. Obama pauses for a second and goes "that's how taxes work..." b-b-b-but he was the angriest president!
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Feb 13, 2020 20:47
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DorkusMalorkus posted:My parents will probably never sell their house at the rate things are going, so I guess I could just live with them until we all die. It could be worse. This makes it sound like a murder/suicide is in the future.
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Feb 13, 2020 21:30
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Play posted:Yeah there's also an implication there that you should own multiple homes, that should always be the goal to leverage as many homes as possible. If people just got their homes and accepted them as all they need maybe they wouldn't be so drat expensive and always empty from constant speculation. I wouldn't get my news from a newspaper if you payed me money
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Feb 13, 2020 21:31
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Milo and POTUS posted:I wouldn't get my news from a newspaper if you payed me money I guess you won't be well-informed 
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Feb 13, 2020 21:33
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Professor Shark posted:RV Chat: I know a Millenial couple who bought an insanely expensive RV ($75k+) over an even crazier length of time and after a couple years of expenses and issues they didn't account for, seem pretty miserable about the whole thing. Every so often they ask us if we're "going to get the bug" and buy one, however I very firmly tell them "No". Lazyfire posted:This makes it sound like a murder/suicide is in the future.
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Feb 13, 2020 21:35
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mind the walrus posted:Honestly it makes me wonder what's going to happen in 10-30 years as Boomers find themselves needing end-of-life care they can't afford. Expect at least a few horror stories. They'll raise the tax burden on the under 50s
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Feb 13, 2020 21:38
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Buying a newspaper is just buying ads to read, makes no sense
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Feb 13, 2020 21:39
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Fried Watermelon posted:Buying a newspaper is just buying ads to read, makes no sense I work at a local paper and the only thing that I consistently hear complaints about is when the court records of a specific incident are reported past deadline for a week's issue. Not even "real estate transfer involving an ongoing property dispute." I've had angry phone calls about probation violations not being available because the arrest was made at 11:50 p.m. the day of printing. It's like Boomers keep scrapbooks of everyone else's kids' misdemeanors.
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Feb 13, 2020 22:03
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Thinking about "Ok Boomer" reminds me that Boomers are absolutely for Social Darwinism and "law of the jungle" until the very instant it stops benefiting them.
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Feb 13, 2020 22:32
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Milo and POTUS posted:They'll raise the tax burden on the under 50s Seriously. Boomers won't go out quietly, didn't it already surface in this thread that some states require children to care for their aging parents?* Imagine being estranged from your abusive parents and getting a bill for their costly healthcare. *TBF, this is is probably Boomer children experiencing the short end of this one right now
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Feb 13, 2020 22:35
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mind the walrus posted:Honestly it makes me wonder what's going to happen in 10-30 years as Boomers find themselves needing end-of-life care they can't afford. Expect at least a few horror stories. Every nursing home is going to move their headquarters to Pennsylvania and start paying for judges' reelections.
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Feb 13, 2020 22:51
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Doesn’t the average retiring boomer have no retirement savings long term? I could see more states pushing for it as more boomers retire
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Feb 13, 2020 22:57
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I'm real glad most Millennials don't have dick in terms of savings to pay for their parent's care or that would be some Boomer levels of bad optics on CNN. "We don't want to pay (for good reasons we can't elucidate on)" vs. "We literally couldn't afford it (even if we wanted to, which we don't)"
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Feb 13, 2020 23:01
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Lol states are all just going to mandate elder care and take it directly from paychecks
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Feb 13, 2020 23:02
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mind the walrus posted:I'm real glad most Millennials don't have dick in terms of savings to pay for their parent's care or that would be some Boomer levels of bad optics on CNN. CNN is part of the problem
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Feb 13, 2020 23:07
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mind the walrus posted:Honestly it makes me wonder what's going to happen in 10-30 years as Boomers find themselves needing end-of-life care they can't afford. Expect at least a few horror stories. They'll just run up massive debts and EOL care service companies will jack up their prices until they can maintain a healthy profit margin by liquidating the estates of the richer boomers. Some hedge fund will make a business model of buying struggling care companies then aggressively trying to con the next of kin of the poorer boomers into being jointly responsible for the expense their parents or grandparents run up. Sign the guestbook that staff insisted you sign while visiting grandpa Joe? Congratulations on agreeing to pay his debts and be subject to mandatory binding arbitration!
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Feb 13, 2020 23:46
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It's like the opposite of that common thing in Cozy Mysteries where the son of the rich, soon-to-die guy runs up debts and the debtors go to the father for payment and he pays it. Except it'll be Boomers running up debts that their kids are expected to pay, and instead of gambling and booze it will be extinct currency and Trump paraphernalia and 'Joes And the debtors will be banks/ insurance companies and the kids won't be able to pay lol
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Feb 13, 2020 23:55
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Shifty Pony posted:They'll just run up massive debts and EOL care service companies will jack up their prices until they can maintain a healthy profit margin by liquidating the estates of the richer boomers. Some hedge fund will make a business model of buying struggling care companies then aggressively trying to con the next of kin of the poorer boomers into being jointly responsible for the expense their parents or grandparents run up. Socialism or barbarism I guess.
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Feb 14, 2020 00:00
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Kenning posted:Socialism or barbarism I guess. Spurning jesus they cry give us barbarism
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Feb 14, 2020 00:23
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Kenning posted:Socialism or barbarism I guess. *Wonders how much a big wood chipper would cost to rent.*
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Feb 14, 2020 01:10
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I guess I should be thankful both my parents actually planned for retirement. My in laws have no savings because they’re terminally BWM but my FIL is a vet so they at least have an army officer pension and TriCare. They’re gonna have to sell their house to adjust which they’re deeply unhappy about but it could be much worse.
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Feb 14, 2020 01:11
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HugeGrossBurrito posted:Lol states are all just going to mandate elder care and take it directly from paychecks
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Feb 14, 2020 01:56
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Knight posted:That'll just push more people to vote for universal healthcare. nice
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Feb 14, 2020 02:05
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Knight posted:That'll just push more people to vote for universal healthcare. lol if you think the will of the people is all it takes for the US to overhaul its middleman-happy healthcare infrastructure For real though I'm glad my parents should be ok for retirement/EOL care. I don't expect to see a dime of inheritance as a result, but hey no debt = no debt.
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Feb 14, 2020 02:10
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Strong boomer energy on this billboard for the new Green Day album. https://twitter.com/PopCrave/status/1226203354939957249
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Feb 14, 2020 02:24
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Every time I'm reminded of Green Day I'm reminded that punk is dad.
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Feb 14, 2020 02:54
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