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Talking to my BIL the other day. In his job he calls on local business/industry. He said he hears the same story all the time. Can't get people to work, can't get them to show up on time. They just don't care.
 

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Biggest ripoff is buying a house, made with $40K in materials and illegal alien labor, then sold to you for the low low price of only $275K + 30 years worth of interest. Financial slavery for most of your life, yet most people are overjoyed to sign the line and get the keys, with no complaints at all. Work all your life to pay it off, and just when you've made the last payment and are about to retire and relax in your home that you FINALLY own, you die and it gets sold to someone else for another 30 years of payments to the bank.
Well at least the kids (or will recipients) get to reap the rewards in the scenario.
 

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Biggest ripoff is buying a house, made with $40K in materials and illegal alien labor, then sold to you for the low low price of only $275K + 30 years worth of interest. Financial slavery for most of your life, yet most people are overjoyed to sign the line and get the keys, with no complaints at all. Work all your life to pay it off, and just when you've made the last payment and are about to retire and relax in your home that you FINALLY own, you die and it gets sold to someone else for another 30 years of payments to the bank.
Yea but apartments are even worse. You pay an even more outrageous amount monthly, have no equity in the place, and live with people stomping on the floor above you and hanging BLM signs in their windows. That's what the place where my girlfriend lives is like. All for the low low price of $1,100 a month.

$275K for a house? A place in good shape on some land for that much would be a steal here.
 

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You pay an even more outrageous amount monthly, have no equity in the place, and live with people stomping on the floor above you and hanging BLM signs in their windows. That's what the place where my girlfriend lives is like.
You have a good argument for today's times. Money is cheap, very cheap and will be so through early next year. If I was in your position today, had no plans on relocating, was secure in my job, I would not hesitate to buy. Land is my preference, real estate to own is next. You can always build a home or remodel but you can not create the land. Today's rent prices are not by accident.....
 
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In a place with limited economic opportunities.

V.
Poor, rural America. A subdivision being developed near me advertises “from the $160,000s”. Subdivisions within less than an hour’s drive say “from the $500,000s”
 

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While I understand and agree with your sentiment, you are factually incorrect. The material and labor involved in building the typical $275,000 spec house is around 80% of the cost of the building, to which profit and overhead are added, and then the cost of the lot, the infrastructure assessment, taxes, commissions, and profit on the lot itself. The framing and foundation materials alone are probably $50,000.

I think the problem is that we have devalued our currency over the course of a century, lessening individual buying power, and having grown the disparity in pay scales in comparison to inflation, home ownership has become less attainable for reasons not directly related to the building industry itself. It certainly doesn't help that many people are financially illiterate, caring only for what they can get approved for now, rather than the actual cost of their financial decisions. The absurdity of mortgaging a home at 30 years simply doesn't occur to many people (in my opinion), even when noting that this is somewhat mitigated by the idea that a home is an appreciating asset.
I read somewhere that the determinate as to how much house people can afford is the long term interest rate. Each prospective buyer has a realistic maximum monthly cost for housing - taxes, insurance, utilities and finally monthly payment. 3% interest allows a much larger 30 year mortgage than does 6%.
 
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Ain't that the truth. Social media magnifies this.

And jealousy drives Socialism.
Capitalism is the unequal sharing of prosperity. Socialism is the equal sharing of misery. Churchill?

But Socialism does not equally share misery. Just as today, the more equal people live much higher on the hog than do the peons.
 

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I read somewhere that the determinate as to how much house people can afford is the long term interest rate. Each prospective buyer has a realistic maximum monthly cost for housing - taxes, insurance, utilities and finally monthly payment. 3% interest allows a much larger 30 year mortgage than does 6%.
Following up...
Played with a mortgage calculator on the web...
https://www.calculator.net/payment-calculator.html
A $200,000 mortgage for 30 years at 6% has a monthly payment of about $1,200.
A $285,000 mortgage for 30 years at 3% also has about the same monthly payment
 

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Unquote.

Another social change significant for those of us on GT could a more permanent change in the way the Second Amendment is viewed. Obviously all of us have anecdotal evidence to the contrary, but reading this gave me food for thought. What do you all think?
Again just anecdotal, but I think they have a VERY different view 2nd wise that’s much weaker than older generations. For the older folks firearms and the 2nd came from powerful things, like generations of hunting with family members who slowly passed on, being in the military, or even the Cold War, watching nightly News of the leaders of enslaved populations basically saying “Your next”.

I think many if not most of the younger people’s interest in guns comes from playing cool video games. Coming from a “no conflict everyone is sort of right back ground“, I see them lining up and handing guns over and moving onto the next “kewl” thing without a whimper.

Sounds bad, but I’m not really judging as much as it sounds. It’s just one group having “deep roots” vs others more tumbleweed like on the issue.

I see the United States either “Balkanizing” or the 2nd amendment going away in the next 25 years.
I’m not 100% disagreeing, but the hunters education classes are always full at the two ranges I frequent. Also a lot of veteran gun owners after decades at war.

The difference, and I’ve said it before is that where I’m from even the Democrats, who are in the minority here, own guns. Mostly for hunting and shotgun sports. I don’t see the 2nd going away, but I do see more restrictions on military style firearms and mag capacities coming. Possibly going the same way as automatic firearms, classifying them as NFA firearms among other regulations.

On the bright side, firearms rights have been greatly expanded in my state over the last decade.
 

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... Something needs to be done about student debt, for sure. ...
Yes. What needs to be done about student debt is students need to pay it off like the rest of us had to do.

And for the Government to stop throwing money at students and schools, regardless of whether real life skills are being taught, causing college costs to escalate out of control.
 

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Are you sure? For some reason that uniform and weapon look Russian or Eastern European to me.

I did not find any mention of Russians storming the Normandy beaches in my history lessons. Nor did my father, who did storm Omaha beach, mention any Russians invading along side the US soldiers.
 

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there's plenty of young folk that don't fit that. I've enjoyed watching my son and his group of friends 'come of age' so to speak. I posted a pic of their basement gym not too long ago. American flags, RKBA swag, etc. His favorite quote?


“Freedom is never more than one generation away from extinction. We didn't pass it to our children in the bloodstream. It must be fought for, protected, and handed on for them to do the same, or one day we will spend our sunset years telling our children and our children's children what it was once like in the United States where men were free.” - Ronald Reagan

His favorite workout shirt?



:rofl:
 
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So is the article about Germany? If so that's their problem.

We still have the American dream.
 

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FEH! Just remove the cap.
Would we then also remove the caps on payments out? Would we raise or eliminate the amount of other income that you could earn while taking social security before you start paying income tax on it?
 

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Would we then also remove the caps on payments out? Would we raise or eliminate the amount of other income that you could earn while taking social security before you start paying income tax on it?
Remove the cap and limit SSI payments to $2,000 monthly.
 
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