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quote:group of seven countries and i live in a carr down by the river
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May 29, 2021 20:45
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I’ll change the chat, earlier some people said they felt bad for getting their shot “early” because they are Métis and felt bad for it. never feel bad for that the ripple effect of such things as the creation of the rcmp and the slaughter of indigenous and Métis has had a huge impact on people’s lives. even people feeling bad for getting their shot being Métis shows it, that was the whole point. my wife is Métis has a lot of indigenous in her ancestry and going through her heritage has been insane and the trauma that travels through is evident in even such things as being able to own a house. my wife’s mom is the indigenous/Métis side and to make that worse my wife’s father got polio and has been disabled since he was young child (I’ll tell you anti vaxxers make me extremely angry), so hopefully my wife and I will be able to care for her parents in old age though government disability money isn’t that great seeing the recent discovery of bodies in Kamloops and living in the okanagan it’s just been a wave of anger and upsetness
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May 29, 2021 21:18
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Do it ironically posted:I’ll change the chat, earlier some people said they felt bad for getting their shot “early” because they are Métis and felt bad for it. I thought the comment was that people were geting the shot because they could simply claim to be Métis, knowing nobody would check. Those people should indeed feel profoundly lovely for it. If the government says you are entitled to a thing because of what you are, then you take the thing and anyone who suggests you should feel ashamed or guilty about it can gently caress back off to their MP's office to air out their feelings in the correct forum. They're entitlements, you don't need to defend or justify them to anyone. Especially if they're being extended to you because of your Indigenous status; good god.
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May 29, 2021 21:28
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Do it ironically posted:seeing the recent discovery of bodies in Kamloops and living in the okanagan it’s just been a wave of anger and upsetness I used to live in the area. I remember one year when the forest fires got completely out of control on band land, they spent hours waiting for the fire department because they had asked different jurisdictions like the police to have certain permissions in place before coming into the territory. I heard all this second-hand, but it seemed most likely that the fire department was playing a, "Ohh, but you didn't say Simon Says" kind of poo poo. Awful. e: I bring this up not to rub salt in the wound or anything, but just pointing out this is a constant issue. It's not even history, it's like, all these things happened and continue to happen every day. It's hosed.
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May 29, 2021 21:29
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flakeloaf posted:I thought the comment was that people were geting the shot because they could simply claim to be Métis, knowing nobody would check. Those people should indeed feel profoundly lovely for it. I think the only person claiming to be Metis and wasn't was that posters Uncle, not anyone who posted here. There is a lot of shame when claiming entitlements. By design of course.
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May 29, 2021 22:36
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flakeloaf posted:I thought the comment was that people were geting the shot because they could simply claim to be Métis, knowing nobody would check. Those people should indeed feel profoundly lovely for it. maybe I misread it I’ll go back and see but I agree obviously it’s a real thing though I have encountered
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May 29, 2021 23:02
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COMPAGNIE TOMMY posted:There's the rub- if you already have a house what do you need to leverage the capital into? Consumer spending? A second home? Allow me to introduce you to the Smith Manoeuvre. Access to large quantities of cheap, safe (de facto government backed) leverage is a game changer when it comes to personal finance, the above is but one example. I am sorry for my part in perpetuating the ongoing finance chat.
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May 30, 2021 00:26
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Fashionable Jorts posted:Where's this government protection I'm supposed to be getting? Was there a cheque in the mail I missed? Because I've all I've experienced in the last year is a loss of income and constant fear that as an "essential worker" I'm gonna get covid, or get stabbed by a covid denier, all for minimum wage. So this describes my exact situation except I lost all my stuff and the place I lived. So like get it? You have a stable place you live, one that inevitably increases in value. The government goes out of its way to ensure your house increases value. To be clear, the key difference in our experience of the last year are loss of a place to live, the literal thing that is at the crux of an argument about whether a owning a house sets you apart from poors without a house.
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May 30, 2021 01:44
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Do it ironically posted:no I think it’s that some home owners in the thread are being intentionally obtuse or deliberately obfuscating the benefits they receive being a home owner
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May 30, 2021 01:46
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i don't know if it's intentional, like a lot of privilege it can be hard to see until people have hit you over the head enough times with it before you realize. anyway i'd also point out that many times, security aside, paying on a mortgage can be noticeably cheaper than rent in an area.
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May 30, 2021 01:51
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Like I'm not saying you shouldn't own a home, I'd love to have one. I'm saying having one insulates you from a ton of uncertainty and instability people without one face. You don't have to worry about getting forced out for renos because you've lived somewhere too long and now rent below average. Mortgages tends to be less than rentals unless you live with like four other people. As the housing market climbs you become abstractly wealthier, while for the rest of us independence and stability becomes laughably out of reach.
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May 30, 2021 01:52
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COMPAGNIE TOMMY posted:There's the rub- if you already have a house what do you need to leverage the capital into? Consumer spending? A second home? If you have access to secured capital at current interest rates (under 2%) you can invest that in many things that will earn you even more money. Even a conservative diversified portfolio with a mix of equities and bonds is averaging 8%+ per year. Or even better, buy more investment properties and rent them out, to leverage yourself out into the real estate market! It can only go up.
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May 30, 2021 01:54
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IN addition to working "real" jobs, I'm an artist. I can't set up a studio in a rental, if i had a house I could set up my studio there, run a business from it, and claim the space I use in my home for said business as a deduction. Instead I rent a studio space, oh boy more money I get to throw down the drain every month.
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May 30, 2021 02:04
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mediaphage posted:i don't know if it's intentional, like a lot of privilege it can be hard to see until people have hit you over the head enough times with it before you realize. Pointing out privilege can seem like an attack when the recipient already feels unstable or insecure in some aspect, and this is no exception. I hate it put it this way, but when white people are told they are privileged they often react in the same way: if I have white privilege, why am I still poor? It doesn’t mean your life doesn’t suck in some material way it’s just that you do have an upper hand in that particular arena. That’s it. It’s not attack in your person, you just have an upper hand whether you meant to or not.
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May 30, 2021 02:06
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RBC posted:If you have access to secured capital at current interest rates (under 2%) you can invest that in many things that will earn you even more money. Even a conservative diversified portfolio with a mix of equities and bonds is averaging 8%+ per year. Or even better, buy more investment properties and rent them out, to leverage yourself out into the real estate market! It can only go up. The most disgusting part of this all is that the interest you pay on a loan for the purposes of investing is tax deductible. Like seriously what the actual gently caress.
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May 30, 2021 02:06
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cash crab posted:Pointing out privilege can seem like an attack when the recipient already feels unstable or insecure in some aspect, and this is no exception. I hate it put it this way, but when white people are told they are privileged they often react in the same way: if I have white privilege, why am I still poor? It doesn’t mean your life doesn’t suck in some material way it’s just that you do have an upper hand in that particular arena. That’s it. It’s not attack in your person, you just have an upper hand whether you meant to or not. that was absolutely what was running through my head when i wrote that earlier post
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May 30, 2021 02:11
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https://twitter.com/rjjago/status/1398785635083751427?s=19 I wonder if the kid got murdered or if he found out about autoerotic asphyxiation
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May 30, 2021 05:01
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so hosed up, no one will ever have to answer for it either read through that Twitter string of his and it’s even worse 
Do it ironically has issued a correction as of 05:27 on May 30, 2021 |
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May 30, 2021 05:15
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wait a second, these children's joke nooses are mislabeled!
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May 30, 2021 05:26
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infernal machines posted:wait a second, these children's joke nooses are mislabeled! The klan is going to be so pissed when they get the real joke nooses
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May 30, 2021 05:47
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Fried Watermelon posted:I think the only person claiming to be Metis and wasn't was that posters Uncle, not anyone who posted here. that was me, for the record i do have my harvesters card, i am metis. ive just always been extremely weird about receiving any kind of benefits from it because im extremely white and more well off than most people(homeowner).
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May 30, 2021 06:27
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bvj191jgl7bBsqF5m posted:I wonder if the kid got murdered or if he found out about autoerotic asphyxiation Or died by suicide because of being imprisoned in a residential school.
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May 30, 2021 13:42
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Rutibex posted:the only way to solve the housing crisis is to gently caress over home owners and destroy all their value. I bought my first house for $180k, sold it a few years later for $260k, bought my current house with my wife for $450k in 2014 and it's probably worth close to a million right now. honestly, crash the market, I don't give a gently caress. I bought this house to live in it, whether it's worth $100k or $1m makes no difference to me. if the market crashed maybe my friends who didn't get lucky like me and buy their first house in their early 20s could afford to live in my neighbourhood. the people that would really get hosed over by a market crash would be speculators and landlords, and that would be incredible.
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May 30, 2021 14:25
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prom candy posted:I bought my first house for $180k, sold it a few years later for $260k, bought my current house with my wife for $450k in 2014 and it's probably worth close to a million right now. honestly, crash the market, I don't give a gently caress. I bought this house to live in it, whether it's worth $100k or $1m makes no difference to me. if the market crashed maybe my friends who didn't get lucky like me and buy their first house in their early 20s could afford to live in my neighbourhood. the problem is people counting on the value of their house for retirement money. a huge crash in house prices would leave many boomers without any money for retirement
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May 30, 2021 14:31
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Yeah, it's not so much loving over homeowners as loving over people who use / view their homes as an investment. If the housing market craters, you still have a house. Even upsizing / downsizing is still fairly unaffected since whatever you're moving into is changing price the same as your house is. And I've never in my life heard someone talk about home / property values without the next thing out of their mouths demonstrating what a horrible piece of poo poo they are.
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May 30, 2021 14:32
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Rutibex posted:the problem is people counting on the value of their house for retirement money. a huge crash in house prices would leave many boomers without any money for retirement gently caress em (or at least let them live off CPP like non-homeowners). If they wanted a safe investment for retirement, those have been widely available, they just decided that the returns weren't good enough for them, but also somehow assume they shouldn't have to bear the risk of that.
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May 30, 2021 14:33
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Rutibex posted:the problem is people counting on the value of their house for retirement money. a huge crash in house prices would leave many boomers without any money for retirement yeah my parents are counting on theirs (a house they bought in the 90s for $175k that is likely worth about a million now). I would hope a housing market crash would result in just lower cost of housing across they board, so their rent or condo price when they downsize would also go down. and also the rent for seniors who never owned could go down too! or we could just have public housing and old age services for a variety of needs
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May 30, 2021 14:36
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a real estate market crash large enough to make housing "affordable" would/would be the result of tanking the canadian economy so badly most of us would probably be without work for some time.
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May 30, 2021 14:44
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infernal machines posted:a real estate market crash large enough to make housing "affordable" would/would be the result of tanking the canadian economy so badly most of us would probably be without work for some time. what if we just topped up everyones wealth so that everyone has at least $1 million in assets. if you already own a boomer mansion in toronto you get nothing, if you're a destitute millennial paying outrageous rents then you get the full million and can buy whatever you want
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May 30, 2021 14:46
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that would probably have a very positive effect on the economy. me, personally? i'd vote for it.
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May 30, 2021 14:59
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Why does anyone think housing prices will ever go down? The government is going to do backflips to prop up that market forever even if kills the economy. That's why everyone sees it as a stable investment.
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May 30, 2021 14:59
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xtal posted:Why does anyone think housing prices will ever go down? The government is going to do backflips to prop up that market forever even if kills the economy. That's why everyone sees it as a stable investment. Because the alternative view point is an investment vehicle that increases +20% a year with no declines, forever.
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May 30, 2021 15:33
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xtal posted:Why does anyone think housing prices will ever go down? The government is going to do backflips to prop up that market forever even if kills the economy. That's why everyone sees it as a stable investment. bubbles always burst eventually, they're just delaying it to make sure they've wrung out all the money possible and that the rich are properly shielded from the consequences
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May 30, 2021 16:18
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~*~soft landing~*~
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May 30, 2021 16:19
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RBC posted:If you have access to secured capital at current interest rates (under 2%) you can invest that in many things that will earn you even more money. Even a conservative diversified portfolio with a mix of equities and bonds is averaging 8%+ per year. Or even better, buy more investment properties and rent them out, to leverage yourself out into the real estate market! It can only go up. If the argument is that ordinary homeowners aren't being big enough capitalist scumbags by virtue of not leveraging the instruments you mentioned, then I'm truly lost. People who need houses don't buy them because they're greedy and need all this extra poo poo like some kind of octopus wearing a top hat and monocle, they bought them for the same reasons everyone renting wants one!
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May 30, 2021 16:46
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enki42 posted:Even upsizing / downsizing is still fairly unaffected since whatever you're moving into is changing price the same as your house is. I don't think this is right. No one is going to move if they can only get 500k on a house they have a 750k mortgage on. Once peoples houses are worth less then what they owe, they are stuck in place. Which would work for me, I just want a place to live that's not a poo poo hole run by rear end in a top hat.
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May 30, 2021 16:59
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Demon_Corsair posted:I don't think this is right. No one is going to move if they can only get 500k on a house they have a 750k mortgage on. we could fix everyones mortgage problem with some hyper inflation. would solve student debt too new minimum wage $500/h
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May 30, 2021 17:05
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Rutibex posted:we could fix everyones mortgage problem with some hyper inflation. would solve student debt too I honestly believe this is coming. It devalues all that pesky national debt too.
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May 30, 2021 17:16
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Consumer price inflation combined with shortages and production shortfalls is bad enough now that yeah you should basically buy whatever crap you want now and maybe even if you can't because the dollars you use in the future will be worth less/have less purchasing power What does hyperinflation of the US dollar mean for Canada though? Canadian dollars make up something like 2% of global reserves and while basically everything we do is tied to the US trade-wise, we aren't effectively pegged to their dollar in any meaningful sense. The Libya invasion and Iraq war start to make a lot more sense when you consider their leaders' respective threats to launch a gold dinar/trade in Euros over USD and collapse the whole petrodollar gambit ahead of schedule
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May 30, 2021 18:10
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drat maybe mark cuban was right about buying toothpaste in bulk to become a billionaire
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May 30, 2021 18:41
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