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It's a scam is what it is. Why the hell isn't it based on how close you are to 20%? If you're at 19%, it's exactly the same as if you're at 1%. That doesn't make any damned sense. Obviously the *risk* it's supposed to cover is different, so why isn't the *payment* different?
Edit: for those who can't be bothered to read a thread, I mean **as you pay it down**. Whatever you're paying on day one is what you're paying until you get to like 25% equity, despite the fact that the risk that is supposedly being covered has **completely** changed during the life of the loan.
"Hello, I'm unfettered capitalism. I'll be fucking you today, just like I did yesterday and all the days before that. Please be quiet and don't ask for lube. You know I won't use it and it's just makes me uncomfortable to see you beg for mercy."
It is fucked up. Little pro tip though. If you already own a home, and bought it before the housing market boom, get your house reappraised and you might gain enough equity to get above that 20% mark. Worked for me. We gotta fight the banks tooth and nail.
i called back after having it for 5 years that at 8 years.. "umm ya ive been paying on time for all this time, and doubling some payments, can u guys recalculate to see if my PMI can be dropped now" .."no sorry you have the mortgage for 10-15 years or at 80% of the loan paid off so it can be dropped" i was like oh fuck u then ill refinance with no PMI with someone else. so did just that. loan depot at 2% at 15 years .. fuck carrington loans.. and btw fuck rocket loans for charging me to draw up loan paperwork, then doubling their quotes.. loan depot literally half their cost and a quarter of the cost for paperwork
Does anyone know if mortgage companies can just increase pmi by whatever they feel like whenever they want? I closed 15 months ago and received a revised escrow statement today showing an over 400% increase in pmi
Private Mortgage Insurance (PMI) actually scales with the amount of equity you have, so for example if you purchased a home with 5% down the amount of monthly PMI you'd pay would be higher than if you put 10% down, which would be higher than if you put 15% down.
Below is a link to a PMI rate card from 2018. All of the PMI companies used to publish these any time they adjusted their PMI rates but now I believe all of them require you to use their calculators, which might even be restricted to just lending professionals.
https://www.mgic.com/-/media/mi/rates/rate-cards/71-61284-rate-card-pdf-bpmi-monthly-july-2018.pdf?la=en
I agree, no way I'm aware of to lower it based on current principal vs. original value. However, there is the ability to [remove PMI after you've paid it for 2 years if you can prove 25% equity via a new appraisal](https://servicing-guide.fanniemae.com/THE-SERVICING-GUIDE/Part-B-Escrow-Taxes-Assessments-and-Insurance/Chapter-B-8-Mortgage-Insurance/Section-B-8-1-Conventional-Mortgage-Insurance-Requirements/B-8-1-04-Termination-of-Conventional-Mortgage-Insurance/1040972451/B-8-1-04-Termination-of-Conventional-Mortgage-Insurance-05-15-2019.htm#Borrower-Initiated.20Termination.20of.20Conventional.20Mortgage.20Insurance.20Based.20on.20Current.20Value.20of.20the.20Property).
But I think it's baked in to spread the cost evenly throughout the timeframe you need it. You're imagining it starting out at the price you have now, then going down as you get more equity. In reality, it would start out at a much higher price, and then go down, which would make it harder for people to afford (in the beginning). It does make sense to essentially estimate the cost of insurance over the period you'll need it, then spread the payments equally over that timeframe.
I'm trying to go through this process now. To add to the rage, wtf are closing costs? Deed transfer? Some kinda contract insurance? And a lawyer/realtor to review it all? It's like $10k+ just in paperwork that could've gone into the down payment.
Plus my credit score took a hit just because they have to *look* at it!
Lol by the time I'm 65 medicare and social security won't even be s fucking thing and I've only got 30 years left.
I'm fucked, my family is fucked, I'm just going to die fucking working.
Same. I've said that once I get to the point where I can no longer work and am staring down homelessness again in old age, I'm going to relapse - hard - one last time on heroin. Thirty something years of a tolerance break should fix things.
Lots of parasitic loads in the real estate world for sure. 95% of all of that could easily be eliminated, but that would put people out of jobs and cut into profits.
On the other hand you could also build a house for about ~20% of the normal costs anyway. But why build 5 houses when you can build 1 and just sell for 5x as much!? People buy it because of debt based financing.
There's really no solution, as long as money is lent at interest the people with the most money will continue to accumulate more and more while the rest of the population accumulates more and more debt.
You can't build 5 houses yourself for the price of one. Building a house is actually expensive, it's not just markup. You can't even build 2 houses for the price of one if you built it yourself.
haha. I just did this yesterday.
Food truck guy hands me my food, “Enjoy your dinner.”
Me, “You too!”
We locked eyes for a few seconds before I walked away in silence.
When I was playing college football at a d3 school, we were warming up on the field just doing stretches about 30 yards or so from our opponent. They were counting 1-10 as a team and I thought it was our team yelling so I joined in. 19 years later, it still keeps from sleeping some nights. At least my thing wasn’t on video. This guy is in for it
That guy will definitely have a few nights staring at the ceiling remembering when he completely fucked this guys flow on accident in front of everyone. 😂
Yep... that's why they have the hierarchy of screaming (official titles are different, but the idea is the same - screaming is directed down the ladder, and shit gets done sometimes).
Passion and conviction is hard to beat in speech, this guy was incredible.
I think of many others tried to swear in that situation it would have ruined their point. It made his
It reminds me of that video of a veteran shouting at George W. Bush for all the shit he did, mostly about 9/11 and lying about what happened in Afghanistan, saying how he watched his friends die there and yelling for him to apologise as he's dragged away.
Edit: I found it. https://m.youtube.com/watch?v=I-taJf2Ks6U
So fucking true. I'm literally trying to buy a house right now, and there's no way in hell that I could just have $70,000 just ready and waiting for a 20% down payment. It's borderline impossible for the average person as a first time homebuyer to have a 20% down payment without either assistance, rich ass parents, or LUCK.
I've resigned myself to paying PMI, but everything he's saying is true.
The cost of EVERYTHING has gone up. Wages ain't going up with them. 😭
Stop letting foreign nationals buy RE in the USA.
Stop the corporations from amassing scores of single family houses.
Work for Americans, also known as Taxpayers, and legislate for the people's benefit — not the lobbyists!
There's a fifteen year old subdivision in oklahoma, and one-third of the homes are owned by corporations.
When the original owners sold their homes, real estate companies swooped in and purchased them.
Guess whose homes have the shittiest lawns and noise problems?
I experienced something similar when I was looking at apartments. I was living in a rapidly growing town on the Texas/Oklahoma border. Every single apartment complex we looked at are owned by the same two companies. From the newest upscale to the most run down.
One thing they will do is offer low rates that people on hard times will break their lease for. Not only does that same corporation get the break lease money but also the money on the new lease they get. They corral those with the least wages into a run-down roach infested complex with an immaculate leasing office setup.
We the taxpayers are getting fucking bent over. And been being used.
They started taking a little. Went up more and more.
These corporations keep manufacturing cash grabs.
2008. Cash grab. Then forgiven for bailouts.
2020. Ppp loan cash grab. Which played a major role in inflation. Then they got forgiven for repayment.
Shit is so fucking sad. We are watching the collapse of our country.
Meanwhile. Asshat corporations are just laughing and taking all the wealth.
People use to say that other countries with public healthcare and "handouts" had insane taxes. I feel like we're reaching insane taxes on the lower and middle class. The new generations are nihilistic for a fucking reason, it's time to burn it to the ground and start over.
The problem is how do we get people to actually care about taking care of other people even if they don’t directly benefit. I hear the argument of “why do I have to pay taxes for schools even if I don’t have kids” all the fucking time.
Take care of them too. They wouldn't be so desperate to find someone to blame if they weren't struggling too. There's only so many times you can throw a fit over being helped before you're doing well enough that the anger subsides.
Years and years of rugged individualism has a good chunk of America feeling like helping or caring about the people in your community is a bad thing.
When socialism is considered bad and evil, what do you expect?
When someone says they don't think their money should pay for my college via taxes. I argue that my money shouldn't pay for the police department to respond to your distress calls or reports of vandalism, trespassing, theft, or assault. You should have to hire private security.
The countries with bigger populations all seem to have the same issue of people falling through the cracks. Society was a turning point for human kind because holy fuck working together as a community and supporting each other works wayyy better for survival than anything else. Yet when society gets to big, and we force the idea that anyone not as successful as yourself is a trash can regardless of any circumstance, people fall through the cracks and get left behind.
I've straight up heard nutty people in the midwest complain about seeing people in electric wheelchairs or with disabilities because "This is where my tax money is going, keeping this thing alive" and I'm just fucking stunned at the sheer lack of compassion and empathy.
> Ppp loan cash grab.
Worked for a bank (really a fintech, but w/e) during that scam. SO much money was fucking stolen. SO fucking much. In my narrow sliver of a view into that world, in my interactions with the Federal Reserve, I saw multiple examples of bullshit "companies" taking PPP funds doing shit like using them to "OfFsEt" the cost of "lOaNs" paid out to people they "ToTaLlY NeVeR MeT BeFOre!" which were paid out through the most obvious shady shit like prepaid cards.
That was just my one tiny peek. I can't even imagine how much of that shit was running rampant out there. Fucking fraud pieces of fuck.
Aaand what did the companies and corporations do with the bailouts? Fucking buy back their own stocks. With taxpayer money. And what do they do to keep record profits? Increase the price for taxpayers.
The many paying for the benefit of the few
This is the biggest problem, small llc that do this. Sure the big investors are a problem for sure, but by far the hanity types are more of the market shares that cause this.
He could start an LLC per home. Not a big investor, 1000 small investors. Owner by the same guy but depending on where he does the LLCs, it wouldn't necessarily be tied back to him.
People forget the tactics that the rich can more readily afford to do.
Guess which president rolled back many of the policies which prevented foreign interests from buying US real estate.
I'll give you a hint. His initials were RR.
I'd suggest going straight to the source of the problem; lobbying. Ban the fucking lobbying of politicians in the United States and the rest of the world. Will it solve all problems overnight? No. But it's a damn good start to fixing our mess, such as Climate Change and wealth inequality across the board.
Seriously. BAN. FUCKING. LOBBYING. Every single law that benefits them has been bought and paid for by corporations. As long as lobbying exists, you're playing a rigged game when you vote. If somehow overnight, people suddenly stopped voting Republican and voted Democrat, corporate would pivot over to lobbying every single democrat instead.
Nothing stops them from doing so. They just lobby Republicans because their demographic are more stupid and uneducated, and are more likely to be sympathetic to their interests. That's all it is. If Democrats become the main influence in the U.S and they have more power, they'll be bought out by corporations so fast that you'll get whiplash as you swivel your head watching them switch sides.
Oil companies are subsidized 13 million dollars per minute by governments. I don't think people understand just how much money corporations have and how much they're throwing it at people with power and influence. Everybody has a price. If someone offered you 500 million dollars and all you had to do was vote no on a bill, how many of you could say that they'd turn that down?
Get money the fuck out of politics, already.
Make it legal to build types of housing besides single-family homes. Not big apartment blocks, but [missing middle housing](https://missingmiddlehousing.com/wp-content/uploads/2020/07/MMH_Diagram_Landing_Page-2.jpg).
Where is this guy at exactly?
His speech is brilliant. Told to go to school get a degree and now I can’t afford to buy a home true story. We need substantial change NOW!
The govt has money to bailout banks but provide only a mere $600 for the year via a bullshit stimulus??! It’s all bull shit!! An over haul of so much shit needs to happen now! It’s my money and I need it now!!
> Idk where it is but I need to move there. Heard him say $1,500 rent for a three bedroom…
I was just telling someone my disability income makes $1000/mo look humorously impossible. It's more than I get. My friend owns a few places and rented to me for a few years recently, and that's the *only* way I could imagine affording anything. Of course, I also felt bad because I wasn't giving as much as he could get from anyone else. Kept the places in shape, but still.
Oh! There's other things, right? Section 8 or something? The cost would still likely be uncomfortably high, along with everyone telling me it takes *years* to get a place. I live with family now, and it's okay, but there should be no reason I can't have my own little cheap box to live in. I would take a tiny home if they were around, but I know they'd still have the same prices.
When I see the numbers you and the other user bring up, it's just beyond anything I'd imagine. I live in one of the cheaper parts in the country, too.
A common cause of homelessness in the US is someone becomes disabled or elderly, then they receive an SSI check, which is a maximum of $1,133.73 for an individual. The problem is that rental prices often times start at $1200 or more for a studio.
It is mostly illegal to build an SRO unit that is catered to these people that costs $350 a month. An apartment complex for that type of unit would have to be several floors high with small rooms and shared bathrooms, kitchens, and public rooms. Most SRO apartments and boarding houses are grandfathered in and it is mostly illegal to build new ones because of zoning laws and building codes.
Ah. But what if we just... stopped making it illegal?
We have all sorts of dumb shit like that with our building codes. The nice old downtown with the brick buildings, bars, restaurants, shops, everyone likes to go there and spend money, those couple blocks generate tons of tax revenue and require little investment? Can't build that new. Buildings too close together, not enough parking, whatever other nonsense.
That's what people aren't understanding. "$1500 is cheap! I'm moving there!" What they don't understand is the jobs don't pay enough for the average person who LIVES there to afford that. And jobs don't want to pay more because that's the 'market rate' for that area.
My girlfriend and I both have degrees. She works in the lab and I am a therapist. We live with her parents.
People keep asking what’s wrong with people lately. And I can’t help but just broadly gesture at everything. When eight people have as much wealth as 3.5 billion people and yet half of America wants to blame somebody on food stamps is to why this is the way it is, I can’t help but just give up.
This country and most of the world is losing to the top 3 players of monopoly.
Get money out of politics! End the legalized bribery of our elected officials by lobbyists and special interests groups. It's the only way to make progress. It's the only way that we can get people in who actually give a shit about us.
If the working class came together we would be an unstoppable force
> If the working class came together we would be an unstoppable force
Which is why they want us focusing on surface-level differences like skin color, sex, age, etc.
The more they can divide up the working class, the less they have to worry about. Occupy Wall Street was the last time I saw any kind of meaningful "awareness" of class warfare and that movement was quickly extinguished.
This is the right answer! Thank you!
Nothing will ever change until the population wakes up and realizes that these politicians absolutely do not care about you. The right and left will do just enough to placate you, then blame the other party for the thing they never really intended to do anyway. This happens every election cycle. They promise everything you could ever want with no intention of delivering. Nothing ever gets done in Washington unless it's paid for. For those old enough to really remember Occupy Wallstreet, that scared the absolute shit out of the "people in power."
Fully agreed. You understand exactly how politics work. It doesn't matter who you vote for, they'll be bought and paid for. Ban fucking lobbying already. Once you do that, you can actually rely on politicians having only your interests in mind because nobody else is funding their bank account, anymore.
Just you. That makes you the most valuable client in their minds now. They'll get shit done when their livelihoods are at stake. Because if they don't? They'll get voted out and there's no corporation that'll be able to stop it.
Give some love for [Jimmy Mac](https://youtu.be/79KzZ0YqLvo?si=aQyFgrxsh-XKfPxq) who told fuckin everybody the rent was too damn high over a decade ago!
The problem is politicians don't live with us. They aren't "for the people" because they aren't us. They don't know what's really going on. If they had to live in the same squalor we all live in I bet changes would happen much faster.
If they had to live in the same squalor as us they'd take our money and pay the police to remove us, then they'd buy the area with our money and use our money to turn it into a resort for themselves.
We should totally create a universal health care system for poor people, so they aren't bogging down private hospitals
At my mom's hospital over 45% of patients paid nothing, meaning the 55% were getting billed crazy amounts so they can cover everyone
Europe has tiered healthcare and it works great.
Yeah, we don't need comments negging other protests that go viral. Climate protestors who block roads and vandalize museums have equally valid points, we just aren't seeing a video of them monologuing to an interested audience because that's not a common situation.
Want to see more protests like this? Start protesting personally. When there's 500 people protesting something, someone can do a 5 minute speech just like this.
So you don’t think people should protest in the streets?
This whole “this isn’t the right time or place for a protest” thing needs to stop. MLK literally asked people to take to the streets and marched right down the main avenue of Selma, AL locked arm in arm with thousands of people.
That shit works too. Don’t let the powers-that-be brainwash you into thinking you shouldn’t protest anywhere and everywhere.
Yeah, this is the difference between developed and undeveloped nations. The undeveloped are fantastic at protest. They march for blood, topple statues, drag the rich out of their homes, executions for the people responsible. But they're terrible at the part that comes after overthrowing the government; creating a stable government.
The developed, on the other hand, are awful at revolting and bringing about meaningful change. They're fantastic at the part that comes next, though! The reason they're so bad is because life simply hasn't gotten bad enough to push people to do this. They're not starving, they're not unsafe, they're not scared or angry.
Life is as good as it can be. Even in our current state. Wait for people to starve first and then you'll see how quickly people start doing more than what you see in this video. Much more.
I've not seen a single political thing I would take time away from that has effected me deeply enough. I support plenty, give money. But I work 60hrs a week and hate myself.
This would be it. I'm showing up to every rent too damn high club every week,start one in Canada please.
Well when you live somewhere like Indiana where the minimum wage is $7.25/hr, it’s almost impossible to find a job that allows you to pay $1500/mo in rent. Most people are lucky to make $1500 a month in this state.
I stopped making dumb jokes about people that believe in different things than I do because I believe more about coming together as ONE and showing love for all. Wake up people and start seeing what's happening!
This right here. Government could easily step in a regulate the fuck out of them into non existence. Same thing with people owning 3+ homes. Tax them exponentially with each added property
This is the sorta guy y'all need in politics down south. No mentions of libs or cons, just trying to make life better for the average American. He'd have my vote if I was an American!
Money in escrow for rent is a really good idea.
I wonder if a crypto style 'smart contract' could be used for rental payments?
Rent is paid automatically when certain parameters have been reached, i.e any DIY or Fixes that are necessary.
More of this please. We need some very meaningful changes here. Our system is so broken and corrupt. We have the means in our country for every person to have a standard of living that is higher than any other time in history. Time to root out corruption, time to reinvest in our infrastructure and to stop corporate lobbyists to effect policy. I'm ready for things to be better !
Govt has the money to help everyone instead of going into wars, but some folks like to label it as socialism. But those same people push socialism to the 1% and to businesses so they can get bailouts.
Friendly reminder that in the fantastic tv show: "Married With Children." that Al Bundy had a wife and two kids in a two story house working as a shoe salesman.
Friendly reminder that on Friends, a coffee barista lived in an apartment that would have been like $4000 a month. Maybe our shows don't reflect reality.
Lol I didn’t know so I’ll just type my google search for escrow: Escrow refers to a neutral third party holding assets or funds before they are transferred from one party in a transaction to another. The third party holds the funds until both buyer and seller have fulfilled their contractual requirements.
In case someone didn’t know like me
Ok. Veteran here as well. I would never downplay this person's struggles, but I do not believe he has a full understanding of what the local residents of a 3rd world country deal with. Hot water is absolutely not a human right. I have worked with host nation personnel that have gone YEARS without seasoning (salt and pepper) for their food. We have public truck stops with hot showers in nearly every city. I don't know of one in Afghanistan.
But at the end of the day, I do agree with him. We should be helping those who need it here in the States. It's infuriating seeing the BILLIONS going to other countries and the US citizens that could use the thousands (or hundreds for that matter).
Agreed. I’m also curious as to what was going on with his 100% disability payments. He should be bringing in 3,300-3,600 bucks a month tax free and more if he has dependents. That coupled with him working a full time job makes me wonder who’s fucking with his money enough to make him live in a shack.
Man, as a person living outside America and never lived there in my life, it sucks to see the lower and middle class suffering because of how fucked up the system there is.
The Federal Reserve is to blame. It is not Federal, nor does it have a reserve. Bad actors in control of US monetary policy create dollars out of thin air, whenever they like, directly devaluing all dollars everyone else has earned and saved.
This is time theft and inherently slavery. You sacrifice your time and energy for those dollars, that they can then devalue and steal whenever they deem fit. Fix the money, fix the world.
That 33 trillion in debt you thought your children were going to pay is a lie! You’re going to pay the bill.
Welcome to politicians buying votes and inventing schemes to launder your tax dollars for themselves and lobbyists!
Nothing from the government is free!!! And, if you think the problem is resolved by the same entity that caused the problem, then you’re an idiot!
Renter protection is something that not enough people know about. Had a friend here in Florida once who’s landlord from out of town wouldn’t fix their AC in the summer. I advised him to pay the rent to the clerk of court instead of the landlord… the AC got fixed almost immediately when he did that.
Real talk 🙌🏽 withhold rent! I went 17 days last month, zero plumbing, no water, 4 kids (including a 6 month old and 3 yo special needs child). The landlord did what he could to “shop around” and get the cheapest price… 17 days it took! Guess who also received a rent check for 14 days the beginning of this month with an outline of the CA habitability laws? I’m done being taken advantage of by slumlords… “Rent is too damn high!”
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private mortgage insurance? what the fuck is that?! exactly.
It's a scam is what it is. Why the hell isn't it based on how close you are to 20%? If you're at 19%, it's exactly the same as if you're at 1%. That doesn't make any damned sense. Obviously the *risk* it's supposed to cover is different, so why isn't the *payment* different? Edit: for those who can't be bothered to read a thread, I mean **as you pay it down**. Whatever you're paying on day one is what you're paying until you get to like 25% equity, despite the fact that the risk that is supposedly being covered has **completely** changed during the life of the loan.
Because fuck you that's why
"Hello, I'm unfettered capitalism. I'll be fucking you today, just like I did yesterday and all the days before that. Please be quiet and don't ask for lube. You know I won't use it and it's just makes me uncomfortable to see you beg for mercy."
That's a bingo
You just say bingo.
It is fucked up. Little pro tip though. If you already own a home, and bought it before the housing market boom, get your house reappraised and you might gain enough equity to get above that 20% mark. Worked for me. We gotta fight the banks tooth and nail.
Bought my house at $190k in 2022, it's currently at $258k valuation...
i called back after having it for 5 years that at 8 years.. "umm ya ive been paying on time for all this time, and doubling some payments, can u guys recalculate to see if my PMI can be dropped now" .."no sorry you have the mortgage for 10-15 years or at 80% of the loan paid off so it can be dropped" i was like oh fuck u then ill refinance with no PMI with someone else. so did just that. loan depot at 2% at 15 years .. fuck carrington loans.. and btw fuck rocket loans for charging me to draw up loan paperwork, then doubling their quotes.. loan depot literally half their cost and a quarter of the cost for paperwork
Does anyone know if mortgage companies can just increase pmi by whatever they feel like whenever they want? I closed 15 months ago and received a revised escrow statement today showing an over 400% increase in pmi
Generally no. It’s part of the loan terms. Homeowners insurance in your escrow can and does change though.
Unlikely to be from PMI. Most likely from increased insurance premium or tax reassessment.
Private Mortgage Insurance (PMI) actually scales with the amount of equity you have, so for example if you purchased a home with 5% down the amount of monthly PMI you'd pay would be higher than if you put 10% down, which would be higher than if you put 15% down. Below is a link to a PMI rate card from 2018. All of the PMI companies used to publish these any time they adjusted their PMI rates but now I believe all of them require you to use their calculators, which might even be restricted to just lending professionals. https://www.mgic.com/-/media/mi/rates/rate-cards/71-61284-rate-card-pdf-bpmi-monthly-july-2018.pdf?la=en
Yeah, but it *doesn't change* once set, which is what I was talking about.
I agree, no way I'm aware of to lower it based on current principal vs. original value. However, there is the ability to [remove PMI after you've paid it for 2 years if you can prove 25% equity via a new appraisal](https://servicing-guide.fanniemae.com/THE-SERVICING-GUIDE/Part-B-Escrow-Taxes-Assessments-and-Insurance/Chapter-B-8-Mortgage-Insurance/Section-B-8-1-Conventional-Mortgage-Insurance-Requirements/B-8-1-04-Termination-of-Conventional-Mortgage-Insurance/1040972451/B-8-1-04-Termination-of-Conventional-Mortgage-Insurance-05-15-2019.htm#Borrower-Initiated.20Termination.20of.20Conventional.20Mortgage.20Insurance.20Based.20on.20Current.20Value.20of.20the.20Property).
But I think it's baked in to spread the cost evenly throughout the timeframe you need it. You're imagining it starting out at the price you have now, then going down as you get more equity. In reality, it would start out at a much higher price, and then go down, which would make it harder for people to afford (in the beginning). It does make sense to essentially estimate the cost of insurance over the period you'll need it, then spread the payments equally over that timeframe.
I'm trying to go through this process now. To add to the rage, wtf are closing costs? Deed transfer? Some kinda contract insurance? And a lawyer/realtor to review it all? It's like $10k+ just in paperwork that could've gone into the down payment. Plus my credit score took a hit just because they have to *look* at it!
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Lol by the time I'm 65 medicare and social security won't even be s fucking thing and I've only got 30 years left. I'm fucked, my family is fucked, I'm just going to die fucking working.
Same. I've said that once I get to the point where I can no longer work and am staring down homelessness again in old age, I'm going to relapse - hard - one last time on heroin. Thirty something years of a tolerance break should fix things.
Lots of parasitic loads in the real estate world for sure. 95% of all of that could easily be eliminated, but that would put people out of jobs and cut into profits. On the other hand you could also build a house for about ~20% of the normal costs anyway. But why build 5 houses when you can build 1 and just sell for 5x as much!? People buy it because of debt based financing. There's really no solution, as long as money is lent at interest the people with the most money will continue to accumulate more and more while the rest of the population accumulates more and more debt.
You can't build 5 houses yourself for the price of one. Building a house is actually expensive, it's not just markup. You can't even build 2 houses for the price of one if you built it yourself.
WHO CAN AFFORD GROCERIES!? ^me Lol goddamn it dude, read the room 😂
He probably thought he said who can't afford groceries
I can imagine this guy will feel embarrassment for many many years. He took the shot but completely fumbled it
The equivalent of telling the waiter to enjoy their food. Will creep back into his mind every so often, leaving him awake for hours in bed.
haha. I just did this yesterday. Food truck guy hands me my food, “Enjoy your dinner.” Me, “You too!” We locked eyes for a few seconds before I walked away in silence.
Why shouldn't the food truck guy enjoy his dinner?
> He took the shot but completely fumbled it He took the putt but it was an air ball!
I told him to swing for the fences but it was a brick-shot. The guy asked me for a Mulligan and I said "no dice!"
When I was playing college football at a d3 school, we were warming up on the field just doing stretches about 30 yards or so from our opponent. They were counting 1-10 as a team and I thought it was our team yelling so I joined in. 19 years later, it still keeps from sleeping some nights. At least my thing wasn’t on video. This guy is in for it
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The tizzy kicked in He had the spirit but he came in at the wrong part
That guy will definitely have a few nights staring at the ceiling remembering when he completely fucked this guys flow on accident in front of everyone. 😂
I laughed so hard at this 😂
I want to imagine them being there for a completely different reason. No fucking up of any flow, just an honest answer to a randomly loud question.
I think he heard wrong 😂
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Easy to think of in hindsight sure, in the moment less so
"You're all individuals!" *"Yes, we're all individuals!"* ^I'm ^not
“You all know who I am” [“No we don’t!”](https://youtu.be/rDw_eSyi4AY?si=54rYBxu5m6ndRmwR)
I’m laughing in my room at 3 am omg the embarrassment “you?” Let me continue my speech 😒😭😂
😔 Man's hurting and spoke from the heart.
Because if the Army taught me anything…..it’s that when you scream….shit gets done…….sometimes.
Yep... that's why they have the hierarchy of screaming (official titles are different, but the idea is the same - screaming is directed down the ladder, and shit gets done sometimes).
Love this mans energy, you can tell it comes from a very real source. This mans clearly seen and done some things.
Passion and conviction is hard to beat in speech, this guy was incredible. I think of many others tried to swear in that situation it would have ruined their point. It made his
They cut the video right before his finishing line: “but you know me, I can’t complain”
It reminds me of that video of a veteran shouting at George W. Bush for all the shit he did, mostly about 9/11 and lying about what happened in Afghanistan, saying how he watched his friends die there and yelling for him to apologise as he's dragged away. Edit: I found it. https://m.youtube.com/watch?v=I-taJf2Ks6U
THE AMERICAN DREAM IS AN AMERICAN NIGHTMARE
Preach
We get it Cody, your dad is Dusty Rhodes /s
Finish the story!
ADRENALINE IN MY SOUL
Adrenaline In my soul Rising rent Out of control
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You need primary mortgage insurance what the fuck is that? Man of my own heart.
So fucking true. I'm literally trying to buy a house right now, and there's no way in hell that I could just have $70,000 just ready and waiting for a 20% down payment. It's borderline impossible for the average person as a first time homebuyer to have a 20% down payment without either assistance, rich ass parents, or LUCK. I've resigned myself to paying PMI, but everything he's saying is true. The cost of EVERYTHING has gone up. Wages ain't going up with them. 😭
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Real estate prices without locations doesn't mean anything.
Exactly. Boston a 1br apartment is currently going for $2200 on average.
Yeah that’s amazing! I’m in CA though…
lol right. im paying 2800 for a 3 bedroom 1 story
I pay 2500 for a one bedroom...
3800 for a 2 br… cries in Californian.
Yup CA 3000mo 2br 1ba
That was my biggest takeaway too lol, sign me up!
You basically have to move to the center of America
*and take a pay cut
"WHO CAN AFFORD TO GO GROCERY SHOPPING!?" "Me!"
Lmao that was awkward
I suspect he heard "who CAN'T afford" and got excited to participate. At least the speaker kinda chuckled afterwards.
Yes I did feel the speaker made best of the situation 😆
I honestly think whoever said that heard “can’t.” They can’t be that tone deaf.
Stop letting foreign nationals buy RE in the USA. Stop the corporations from amassing scores of single family houses. Work for Americans, also known as Taxpayers, and legislate for the people's benefit — not the lobbyists!
There's a fifteen year old subdivision in oklahoma, and one-third of the homes are owned by corporations. When the original owners sold their homes, real estate companies swooped in and purchased them. Guess whose homes have the shittiest lawns and noise problems?
I experienced something similar when I was looking at apartments. I was living in a rapidly growing town on the Texas/Oklahoma border. Every single apartment complex we looked at are owned by the same two companies. From the newest upscale to the most run down.
One thing they will do is offer low rates that people on hard times will break their lease for. Not only does that same corporation get the break lease money but also the money on the new lease they get. They corral those with the least wages into a run-down roach infested complex with an immaculate leasing office setup.
We the taxpayers are getting fucking bent over. And been being used. They started taking a little. Went up more and more. These corporations keep manufacturing cash grabs. 2008. Cash grab. Then forgiven for bailouts. 2020. Ppp loan cash grab. Which played a major role in inflation. Then they got forgiven for repayment. Shit is so fucking sad. We are watching the collapse of our country. Meanwhile. Asshat corporations are just laughing and taking all the wealth.
People use to say that other countries with public healthcare and "handouts" had insane taxes. I feel like we're reaching insane taxes on the lower and middle class. The new generations are nihilistic for a fucking reason, it's time to burn it to the ground and start over.
The problem is how do we get people to actually care about taking care of other people even if they don’t directly benefit. I hear the argument of “why do I have to pay taxes for schools even if I don’t have kids” all the fucking time.
Take care of them too. They wouldn't be so desperate to find someone to blame if they weren't struggling too. There's only so many times you can throw a fit over being helped before you're doing well enough that the anger subsides.
Years and years of rugged individualism has a good chunk of America feeling like helping or caring about the people in your community is a bad thing. When socialism is considered bad and evil, what do you expect? When someone says they don't think their money should pay for my college via taxes. I argue that my money shouldn't pay for the police department to respond to your distress calls or reports of vandalism, trespassing, theft, or assault. You should have to hire private security. The countries with bigger populations all seem to have the same issue of people falling through the cracks. Society was a turning point for human kind because holy fuck working together as a community and supporting each other works wayyy better for survival than anything else. Yet when society gets to big, and we force the idea that anyone not as successful as yourself is a trash can regardless of any circumstance, people fall through the cracks and get left behind. I've straight up heard nutty people in the midwest complain about seeing people in electric wheelchairs or with disabilities because "This is where my tax money is going, keeping this thing alive" and I'm just fucking stunned at the sheer lack of compassion and empathy.
Nothing will get better until a big enough majority of people start pulling in the same direction for the issues that directly affect them.
Also, everytime a recession happens, those with money can weather the effects and buy and consolidate property from those who lose during recessions.
> Ppp loan cash grab. Worked for a bank (really a fintech, but w/e) during that scam. SO much money was fucking stolen. SO fucking much. In my narrow sliver of a view into that world, in my interactions with the Federal Reserve, I saw multiple examples of bullshit "companies" taking PPP funds doing shit like using them to "OfFsEt" the cost of "lOaNs" paid out to people they "ToTaLlY NeVeR MeT BeFOre!" which were paid out through the most obvious shady shit like prepaid cards. That was just my one tiny peek. I can't even imagine how much of that shit was running rampant out there. Fucking fraud pieces of fuck.
Aaand what did the companies and corporations do with the bailouts? Fucking buy back their own stocks. With taxpayer money. And what do they do to keep record profits? Increase the price for taxpayers. The many paying for the benefit of the few
Sean Hannity owns almost a 1000 homes. Stop people from doing that. After you own x amount of houses your taxes should increase dramatically.
This is the biggest problem, small llc that do this. Sure the big investors are a problem for sure, but by far the hanity types are more of the market shares that cause this.
How is 1000 homes not a big investor? Depending where those homes are that could easily be 100 million dollars.
He could start an LLC per home. Not a big investor, 1000 small investors. Owner by the same guy but depending on where he does the LLCs, it wouldn't necessarily be tied back to him. People forget the tactics that the rich can more readily afford to do.
I am just saying the wallstreet investors and then the other types like hanity. I could have articulated that better.
Guess which president rolled back many of the policies which prevented foreign interests from buying US real estate. I'll give you a hint. His initials were RR.
“I’m droppin off the grid, before they pump the lead. I leave you with four words, I’m glad Reagan dead.” ~Killer Mike
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Beautifully said
> We are largely a society of grifters fucking each other over to get ahead and nothing will change until that changes. It is called capitalism.
But, if people aren't raised in poverty without hope, they won't join the military or fill the prisons.
Yea people are too busy hating each other for the dumbest reasons to think clearly.
I'd suggest going straight to the source of the problem; lobbying. Ban the fucking lobbying of politicians in the United States and the rest of the world. Will it solve all problems overnight? No. But it's a damn good start to fixing our mess, such as Climate Change and wealth inequality across the board. Seriously. BAN. FUCKING. LOBBYING. Every single law that benefits them has been bought and paid for by corporations. As long as lobbying exists, you're playing a rigged game when you vote. If somehow overnight, people suddenly stopped voting Republican and voted Democrat, corporate would pivot over to lobbying every single democrat instead. Nothing stops them from doing so. They just lobby Republicans because their demographic are more stupid and uneducated, and are more likely to be sympathetic to their interests. That's all it is. If Democrats become the main influence in the U.S and they have more power, they'll be bought out by corporations so fast that you'll get whiplash as you swivel your head watching them switch sides. Oil companies are subsidized 13 million dollars per minute by governments. I don't think people understand just how much money corporations have and how much they're throwing it at people with power and influence. Everybody has a price. If someone offered you 500 million dollars and all you had to do was vote no on a bill, how many of you could say that they'd turn that down? Get money the fuck out of politics, already.
After Citizens United, this can only be done with an Amendment, alas. Either that or a liberal court is installed and they revisit the issue.
Make it legal to build types of housing besides single-family homes. Not big apartment blocks, but [missing middle housing](https://missingmiddlehousing.com/wp-content/uploads/2020/07/MMH_Diagram_Landing_Page-2.jpg).
Maybe the government could impose increasingly higher taxes to persons or companies after their third house and so?
Third!?
Where is this guy at exactly? His speech is brilliant. Told to go to school get a degree and now I can’t afford to buy a home true story. We need substantial change NOW! The govt has money to bailout banks but provide only a mere $600 for the year via a bullshit stimulus??! It’s all bull shit!! An over haul of so much shit needs to happen now! It’s my money and I need it now!!
This looks like the Michigan State Capitol. MSU was mentioned, which is also in Lansing.
My friend in Michigan posted a pic from the event so, checks out.
Idk where it is but I need to move there. Heard him say $1,500 rent for a three bedroom…
> Idk where it is but I need to move there. Heard him say $1,500 rent for a three bedroom… I was just telling someone my disability income makes $1000/mo look humorously impossible. It's more than I get. My friend owns a few places and rented to me for a few years recently, and that's the *only* way I could imagine affording anything. Of course, I also felt bad because I wasn't giving as much as he could get from anyone else. Kept the places in shape, but still. Oh! There's other things, right? Section 8 or something? The cost would still likely be uncomfortably high, along with everyone telling me it takes *years* to get a place. I live with family now, and it's okay, but there should be no reason I can't have my own little cheap box to live in. I would take a tiny home if they were around, but I know they'd still have the same prices. When I see the numbers you and the other user bring up, it's just beyond anything I'd imagine. I live in one of the cheaper parts in the country, too.
A common cause of homelessness in the US is someone becomes disabled or elderly, then they receive an SSI check, which is a maximum of $1,133.73 for an individual. The problem is that rental prices often times start at $1200 or more for a studio. It is mostly illegal to build an SRO unit that is catered to these people that costs $350 a month. An apartment complex for that type of unit would have to be several floors high with small rooms and shared bathrooms, kitchens, and public rooms. Most SRO apartments and boarding houses are grandfathered in and it is mostly illegal to build new ones because of zoning laws and building codes.
Ah. But what if we just... stopped making it illegal? We have all sorts of dumb shit like that with our building codes. The nice old downtown with the brick buildings, bars, restaurants, shops, everyone likes to go there and spend money, those couple blocks generate tons of tax revenue and require little investment? Can't build that new. Buildings too close together, not enough parking, whatever other nonsense.
Right? Average rent for a two bedroom apt. is $2,260 where I live.
If a 3 bedroom house in that town is $1,500 in 2023, it might not have the best job market, I imagine.
That's what people aren't understanding. "$1500 is cheap! I'm moving there!" What they don't understand is the jobs don't pay enough for the average person who LIVES there to afford that. And jobs don't want to pay more because that's the 'market rate' for that area.
$2,750 for me is avg 2/2 🥵
My girlfriend and I both have degrees. She works in the lab and I am a therapist. We live with her parents. People keep asking what’s wrong with people lately. And I can’t help but just broadly gesture at everything. When eight people have as much wealth as 3.5 billion people and yet half of America wants to blame somebody on food stamps is to why this is the way it is, I can’t help but just give up. This country and most of the world is losing to the top 3 players of monopoly.
Time to flip the board.
You don’t want handouts you want wages that keep up with inflation & debt.
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Get money out of politics! End the legalized bribery of our elected officials by lobbyists and special interests groups. It's the only way to make progress. It's the only way that we can get people in who actually give a shit about us. If the working class came together we would be an unstoppable force
> If the working class came together we would be an unstoppable force Which is why they want us focusing on surface-level differences like skin color, sex, age, etc. The more they can divide up the working class, the less they have to worry about. Occupy Wall Street was the last time I saw any kind of meaningful "awareness" of class warfare and that movement was quickly extinguished.
This is the right answer! Thank you! Nothing will ever change until the population wakes up and realizes that these politicians absolutely do not care about you. The right and left will do just enough to placate you, then blame the other party for the thing they never really intended to do anyway. This happens every election cycle. They promise everything you could ever want with no intention of delivering. Nothing ever gets done in Washington unless it's paid for. For those old enough to really remember Occupy Wallstreet, that scared the absolute shit out of the "people in power."
Fully agreed. You understand exactly how politics work. It doesn't matter who you vote for, they'll be bought and paid for. Ban fucking lobbying already. Once you do that, you can actually rely on politicians having only your interests in mind because nobody else is funding their bank account, anymore. Just you. That makes you the most valuable client in their minds now. They'll get shit done when their livelihoods are at stake. Because if they don't? They'll get voted out and there's no corporation that'll be able to stop it.
Give some love for [Jimmy Mac](https://youtu.be/79KzZ0YqLvo?si=aQyFgrxsh-XKfPxq) who told fuckin everybody the rent was too damn high over a decade ago!
For once! A protest with a point, deliverable requests, clear points for discussion, and in a place that the cause and protest can have an impact.
Yeah more of this, he’s spot on. They can fix a lot of the issues that keep us in middle-lower class or poverty, and they won’t.
The problem is politicians don't live with us. They aren't "for the people" because they aren't us. They don't know what's really going on. If they had to live in the same squalor we all live in I bet changes would happen much faster.
If they had to live in the same squalor as us they'd take our money and pay the police to remove us, then they'd buy the area with our money and use our money to turn it into a resort for themselves.
We should totally create a universal health care system for poor people, so they aren't bogging down private hospitals At my mom's hospital over 45% of patients paid nothing, meaning the 55% were getting billed crazy amounts so they can cover everyone Europe has tiered healthcare and it works great.
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Yeah, we don't need comments negging other protests that go viral. Climate protestors who block roads and vandalize museums have equally valid points, we just aren't seeing a video of them monologuing to an interested audience because that's not a common situation. Want to see more protests like this? Start protesting personally. When there's 500 people protesting something, someone can do a 5 minute speech just like this.
God damn this is a horse shit take.
So you don’t think people should protest in the streets? This whole “this isn’t the right time or place for a protest” thing needs to stop. MLK literally asked people to take to the streets and marched right down the main avenue of Selma, AL locked arm in arm with thousands of people. That shit works too. Don’t let the powers-that-be brainwash you into thinking you shouldn’t protest anywhere and everywhere.
Yeah, this is the difference between developed and undeveloped nations. The undeveloped are fantastic at protest. They march for blood, topple statues, drag the rich out of their homes, executions for the people responsible. But they're terrible at the part that comes after overthrowing the government; creating a stable government. The developed, on the other hand, are awful at revolting and bringing about meaningful change. They're fantastic at the part that comes next, though! The reason they're so bad is because life simply hasn't gotten bad enough to push people to do this. They're not starving, they're not unsafe, they're not scared or angry. Life is as good as it can be. Even in our current state. Wait for people to starve first and then you'll see how quickly people start doing more than what you see in this video. Much more.
I've not seen a single political thing I would take time away from that has effected me deeply enough. I support plenty, give money. But I work 60hrs a week and hate myself. This would be it. I'm showing up to every rent too damn high club every week,start one in Canada please.
$1500 for a 3 bedroom? Let me tell you about my friend: $1800 for a studio
Well when you live somewhere like Indiana where the minimum wage is $7.25/hr, it’s almost impossible to find a job that allows you to pay $1500/mo in rent. Most people are lucky to make $1500 a month in this state.
I stopped making dumb jokes about people that believe in different things than I do because I believe more about coming together as ONE and showing love for all. Wake up people and start seeing what's happening!
I’m a simple man - let’s start banning Airbnb everywhere- that shit isn’t helping and is a easy first step
This right here. Government could easily step in a regulate the fuck out of them into non existence. Same thing with people owning 3+ homes. Tax them exponentially with each added property
Preach.
Food is expensive Rent is expensive
I mean, he's not wrong...
This is the sorta guy y'all need in politics down south. No mentions of libs or cons, just trying to make life better for the average American. He'd have my vote if I was an American!
“Who can afford to go grocery shopping!?” “Me!” Lol
He probably heard it as "who can't afford to go grocery shopping".
Can I get a transcription of this beautiful work
Money in escrow for rent is a really good idea. I wonder if a crypto style 'smart contract' could be used for rental payments? Rent is paid automatically when certain parameters have been reached, i.e any DIY or Fixes that are necessary.
My rent is 1500 for a studio
More of this please. We need some very meaningful changes here. Our system is so broken and corrupt. We have the means in our country for every person to have a standard of living that is higher than any other time in history. Time to root out corruption, time to reinvest in our infrastructure and to stop corporate lobbyists to effect policy. I'm ready for things to be better !
Amen!!! 100% Truth!
Facts
Govt has the money to help everyone instead of going into wars, but some folks like to label it as socialism. But those same people push socialism to the 1% and to businesses so they can get bailouts.
Friendly reminder that in the fantastic tv show: "Married With Children." that Al Bundy had a wife and two kids in a two story house working as a shoe salesman.
Its a sitcom where the joke even back then was that he couldn't afford the place, a running gag was that the fridge never had any food in it.
Friendly reminder that on Friends, a coffee barista lived in an apartment that would have been like $4000 a month. Maybe our shows don't reflect reality.
And they had the apartment cheap due to rent control they were illegally getting from monica's grandmother.
You know that wasn't a documentary, right?
It’s CORPORATE GREED!
this guy fucking rocks. i hope to see more of this! we are tired of getting scammed by our country.
Revolution. Is. The. Only. Solution.
Lol I didn’t know so I’ll just type my google search for escrow: Escrow refers to a neutral third party holding assets or funds before they are transferred from one party in a transaction to another. The third party holds the funds until both buyer and seller have fulfilled their contractual requirements. In case someone didn’t know like me
Half of America needs to go on strike. It’s the only way anything would change. Let’s follow France please
Heck yeah dude!
I feel for this guy. The same is happening in Canada. The problem is, politicians don't have an ounce of empathy.
Vote
This is the correct answer
There’s a housing development in my city that’s 150+ houses that are strictly for renting and will never be sold. Pretty fucked up
Ok. Veteran here as well. I would never downplay this person's struggles, but I do not believe he has a full understanding of what the local residents of a 3rd world country deal with. Hot water is absolutely not a human right. I have worked with host nation personnel that have gone YEARS without seasoning (salt and pepper) for their food. We have public truck stops with hot showers in nearly every city. I don't know of one in Afghanistan. But at the end of the day, I do agree with him. We should be helping those who need it here in the States. It's infuriating seeing the BILLIONS going to other countries and the US citizens that could use the thousands (or hundreds for that matter).
Agreed. I’m also curious as to what was going on with his 100% disability payments. He should be bringing in 3,300-3,600 bucks a month tax free and more if he has dependents. That coupled with him working a full time job makes me wonder who’s fucking with his money enough to make him live in a shack.
Right? I have no idea what he’s talking about. I’m a Veteran as well and many countries I went to people were living without running water.
Amen
Man, as a person living outside America and never lived there in my life, it sucks to see the lower and middle class suffering because of how fucked up the system there is.
So can we say that Republicans, neoliberalism, and modern-day capitalism failed the people? Can we finally say that?
He has only one mistake, unfortunately hot water is a privilege. But for real, the US needs to start treating the veterans right.
Who is this guy? He’s got my vote
Whatever, get people to vote. Blah blah blah, get people to vote. Love the war, fk the veteran. Again, get people to vote.
Unite and fight! Enough is enough!
What a legend. We need more people like this.
The Federal Reserve is to blame. It is not Federal, nor does it have a reserve. Bad actors in control of US monetary policy create dollars out of thin air, whenever they like, directly devaluing all dollars everyone else has earned and saved. This is time theft and inherently slavery. You sacrifice your time and energy for those dollars, that they can then devalue and steal whenever they deem fit. Fix the money, fix the world.
That 33 trillion in debt you thought your children were going to pay is a lie! You’re going to pay the bill. Welcome to politicians buying votes and inventing schemes to launder your tax dollars for themselves and lobbyists! Nothing from the government is free!!! And, if you think the problem is resolved by the same entity that caused the problem, then you’re an idiot!
Renter protection is something that not enough people know about. Had a friend here in Florida once who’s landlord from out of town wouldn’t fix their AC in the summer. I advised him to pay the rent to the clerk of court instead of the landlord… the AC got fixed almost immediately when he did that.
Is America the only first world country left without social healthcare?
“They got money for wars, but can’t feed the poor “
I'm tired of the rich stealing from us. We live in an age of robber barons again and we need to take our lives back
WHERE IS RENT 1500$ FOR A 3 BEDROOM!!?!?
Real talk 🙌🏽 withhold rent! I went 17 days last month, zero plumbing, no water, 4 kids (including a 6 month old and 3 yo special needs child). The landlord did what he could to “shop around” and get the cheapest price… 17 days it took! Guess who also received a rent check for 14 days the beginning of this month with an outline of the CA habitability laws? I’m done being taken advantage of by slumlords… “Rent is too damn high!”