/biz/ - Business & Finance

>>54274001
housing should be a right

Because he's a pedo who preys on kids

>>54274001
To have a big house that attracts hot sluts

>>54274001
Need a room for his anime figurines, one for his gaming computer, one tv room to watch anime, and a garden to stare out into and never spend time in

you're a rich guy

>>54274001
bad with finances (assuming they are buying it to live in)

>>54274001
Because renting is for cucks. Ownership is freedom. Only thing is you don't actually own 100% of a home because the goyvernment can steal it if you don't pay property taxes.

>>54274109
>give your money to the rent Jew or you’re bad with finances

>>54274001
Because I want to skin my apartment neighbors alive.

>>54274001
garage for autistic projects. that's why i'm buying a house. can't do autistic projects in a cuckpartment.

>>54274165
>*allows dey chillins to run round da house*
>*blasts muse-ick out dey speekas at 3 AYY EMMM*
>*smotes WEEEEEEEEEE in-side da house*

To have a place to put your stuff and rail chicks.

>>54274198
I have a gay afrolatinx downstairs neighbor who sings. Not well, either.

>>54274166
Most apartments come with a garage

>>54274001
Want a nice kitchen
Want a nice bathroom
Want space to store my shit
Want a workshop/art studio
Want a home gym
Hard to do all that in an apartment

>>54274165
why not move out? that's one of the advantages of renting. good luck selling a house when the new neighbors are giving you grief

>>54274001
To build equity in their home rather than throwing their money into the rent black hole?
To be able to do any change to their house that they want without having to ask a landlord for permission?
To be able to rent out part of it for extra income?

>>54274237
what fucking country do you live in?

>>54274274
I've of course lived in detached houses and it was always preferable to sharing walls/ceilings.

>>54274001
no one wants to live in modern-day american apartment communities, for several reasons that you can probably guess.

but the main issue is noise. apartments are typically of very poor build quality, so god help you if you get a terrible neighbor who plays loud music all the time and loves to bang on the walls 24/7. usually slamming cupboards or something retarded.

>>54274311
>To be able to do any change to their house that they want without having to ask a landlord for permission?
Not if the permit jew and the inspector jew have something to say about it.

>>54274001
So i can watch hardcore porn on my tv with the speakers blaring whilst edging for hours

>>54274311
The only thing I care about changing is furniture and electronics. My rent is $680 and includes internet. I get to deduct like 25% of my rent for home office expenses too.

>>54274237
i fucking wish
i want a house just to have a garage and driveway so i can buy and wrench on old mercs

>>54274328
i guess i've been spoiled by overegineered thick german walls

>>54274001
Because I can

>>54274029
go build one yourself if it's so easy thatyou think you should get one for free

>>54274001
Rent

By the time I can finally afford a nice place to fuck sluts and lift in a home gym and watch kino on a giant projector screen, I have lost interest in all of these things

>>54274076
UUUU

>>54274001
so i can have guest rooms for my frens when they visit

>>54274001
Privacy. You're living above and below random people you've never met and can hear them having sex lmao

>>54274001
Because they've been brainwashed to want things they don't actually need, it's greed. Just buy the bare minimum thing you actually need, make it work, spend the rest of the money on a shitcoin casino like a man

>>54274034
>To have a big house that attracts hot sluts
Scientist here. Paperwork qualified.

I can confirm this statement is actual fact.

Try telling / letting a girl know / suspect you're a hobo or still live at home and see the dampness rapidly evaporate to arid dryness.

They're nest builder op.

And it's a chance to demonstrate you're not a soft paw by actually building / fixing said nest.

Tldr; if you can't tell the difference between a phillips and posidrive, I don't know what to tell you.

>>54274001
I want to get some sun on my balls without getting arrested

>>54274001
For peace and quiet. I'm a lifelong incel and I live in a 3 bedroom house by myself and I will never go back to living in an apartment where I have to hear my neighbors talking, shitting and farting every waking moment.

>>54274144
home ownership is a money sink moron, do you know how much a roof costs? when your sewage line needs replacing? you dont have to deal with that shit when you rent. 10 years of renting and there is the cost of ur roof alone lmao

>>54274001
Because I can install solar panels and sell electric. So far everyone else is paying through their arses while I've seen huge reductions in my bills.

>>54274801
Insurance pays for all of that.

>>54274824
no it doesn't you clueless child LOL

>>54274001
Not a house, but an apartment like pic related will do because I just don't want to pay rent.

>>54274001
I just did and it's INCREDIBLE the amount of tinder bitches you can get over if you just put something like "homeowner, have my shit together". I'm only 28 and I've got 4 girls 18-21 who call me daddy and come over to get fucked and cuddle on the couch watching movies.
Shit's incredibly cash and I'm paying less than I would to rent an apartment.

>>54274328
Terrace is the economic winter fuel beater

>>54274560
>guess i've been spoiled by overegineered thick german walls
<- that half a metre of solid stone anon

Bong land obba

Why would a single man want to buy a house? Why would a single man buy things like $KOY or $SHIB? Why would a single man masturbate to foot fetish/pissing/fart porn?

Solitude affects the mind and changes you, anon. Isolation is a bitch.

>>54274857
>muh SEEEEEEXXXXXXXXXXXXXXXXXX
kys degenerate nigger, when your dick starts burning with STIs no girl will want to touch it

i felt a sense of accomplishment for months after buying my first car. this is what humans like to do. Own big expensive things society congratulate them for. Why do you think cavemen collected the skulls and teeth of their prey?

>>54274872
i trade shitcoins flip nfts and jack off to degenerate porn because its fun buying a house for yourself and flagelatting yourself for not having it is retard behavior
>>54274885
retard behavior detected

>>54274553
You have been brainwashed by the LE MALE THINGS LE MALES DO mentality.

>>54274872
both doge and koy + shib are greaat assets.

>>54274898
kill yourself tranny nigger

>>54274878
Thanks anon, I wasn't aware. I'll let you know when that happens and be more careful!!
But-- you should try it sometime.

>>54274784
>I want to get some sun on my balls without getting arrested
Just build a little privacy box round it. Solved

>>54274801
>you know how much a roof costs?
A couple of thousand, so one to two years worth of rent. Do you know how long roofs last?

>>54274801
yeah landlords just eat the entire cost, they are such charitable guys, its like they give you free money all the time instead of if you own a house you will have to pay

>>54274822
>install solar panels and sell electric
>sell
No

>>54274857
>>54274950
>raven
>luna
yeah I only fuck bitches named after dead shitcoins

>>54274001
so he can bring potential wives home and fuck them in his house
are you retarded?

>>54274001
to have a yard.

>>54274001
I lived in an apartment once. Kept hearing bumping and pipes whining in the night, super stressful. I phoned my landlord and of course he didn't give a shit, quoted me $500 dollars or some shit saying it's my fault. So I figured fuck it no more sleepless nights and decided to go in and have a look for myself. Started looking through my wall cavities for the suspect pipes, for some reason the cavity was wide enough for me. Then I found a chair, I kid you not a fucking chair facing my bedroom wall, even had an empty beer next to it. The next day I moved back in with my parents and swore I'd never live in the same building as strangers again.

>>54274034
>everything comes back to le sex and le vanity
Tell me again why this is a good thing?

>>54275114
>Then I found a chair, I kid you not a fucking chair facing my bedroom wall, even had an empty beer next to it.
You'd like this film

>>54275040
Kek
>>54275114
Was there a hole to observe? Same thing happened to me in my old apartment. Went up into the attic (building connected to at least 20 other apartments) after finding the hatch open for the second time and there was a bedroll, few chairs, plates and shit up there. I set up alarmed door stops on my closet that lead. Leasing office told me the wind was able to breach my bedroom window, get under the door and blow the hatch up a solid 4 inches straight with very little slack and then move it to the side and that nobody was living in the attic.

>>54275013
It's happening. And my bill is practically nothing.

0% loan for 10 years.

Cope and seeth.

>>54275204
Yeah.
I've run the numbers.
It's not happening.
If it was happening, everyone would be doing it.
Fuck, they'd be paying to put them on your roof.

>>54275230
It's happening. The electric pays for the gas.

Cope and seeth.

Backyard to have a firepit

>>54274878
have sex, incel.

>>54275246
I'll see you in ten years. When you're loan expires and you're complaining about being
>missold solar

Long story short, you gain by using it yourself, by about an order or magnitude

>>54274001
freehold

>>54275246
Can't even believe I'm replying to a mongoloid like you.

Installed a little over a month ago. Bills already ridiculously low in the least sunny months of the year.

Bill savings are higher than the cost if I continued to import. COPE.

>>54274001
Why would a soulless corporation want to buy family housing

>>54275336
Install cost?

Cost to import 1kwh?

Payment per 1kwh out?

You're aware of how mortgage companies assess roof top solar for potential buyers right?

>>54274857
>Shit's incredibly cash
KYS. u arent a man. just a slave to smelly meat socket and bragging about it. fuck you are pathetic.

>>54274001
>want to smoke that loud at home after a long day of slave labor
>don't want to hear my retarded neighbors arguing about nonsense
>want a backyard so I can have a trampoline and a garden
>don't want to be left out when tech jews inevitably gentrify my city
simple as

>>54275336
If you didn't fit it yourself and don't absorb all the energy yourself, you're looking at decades to cover the cost even using the gooberments own solar calculators under best case conditions.

You've been baggied.

>>54275379

You're aware of how the the home value has continued to increase?

I'm well aware of everything. You have no clue poor faggot.

33p/kwh import
15p/kwh out.

Saving around half from my imports.

Mining with my 4090 for free coins on sunny days.

Does not yet include the export being refunded, still being set up. I expect my bill for electric will be much much lower, and in summer these bad boys will really shine.

COPE harder

>>54274001
So I can own land and own live-stock and garden and do whatever the fuck I want without being cucked by a landlord

>>54275474
Install cost? Bag man.

>>54275191
No I didn't notice any holes or anything, I probably would've noticed a hole in the wall. I do remember hearing what I thought was a cough, at the time I figured it was one of my neighbours or something. Now after what ever the fuck I found I don't know what memories to trust, like one time I heard what sounded like glass scraping against brick on my wall. I'm honestly just happy to be out of there and I will never live alone surrounded by strangers again, also a recent purchase of a firearm makes me feel a lot easier too.

>>54275452
Nope, I'm not looking at decades at all. The install was well priced. And I'd rather be paying £30 less per month than giving it to energy companies.

~60 savings, 30 cost of loan = 30 up per month. How am I losing anything?

They weren't purchased with my money, I even used the loan money to buy investments. Put them on 0% credit cards.

COPE.

>>54275474
>0% loan
Wait... what?

>>54275487
Cost me nothing. Cost the government £6K..

That's proably a lot for a poor faggot like you, but at 0% interest and they were paid on 0% credit card meaning I bagged the loan money... you can keep coping.

>>54275522
>still not mentioning the install cost
Yeah.
You fucked up.

Decades.

>>54275533
0% interest over 10 years. Government backed.

>>54275549
Are you too dumb to do maths?

>>54275388
Do you really think living in my own home and having a woman's vagina to use instead of my hand is slavery?
If I paid a landlord to live in their property and used my hand to cum would that make me less of a slave?
Your coping with insecurities is showing, hairy palms.

>>54274001
to prepare for not being single

>>54275554
So, at 30 a month up, even though you say "the loan is 30 a month" as well... that's a mere 16 years to pay that off before you break even

>>54275549
Probably is expensive if you have no money like yourself.

Whereas if you have capital it makes sense to spend government capital to save even more capital instead of it going to electric companies.

You keep paying the jews for your electric tho...

>>54275583
Where are we getting the 15p export rate from?

>>54275579
You really don't have a good grasp of maths do you?

Paying £150 per month for electric.
Now £78.
+ £30 per month paying for the panels then they will be paid off. Meaning I will be back at 0 cost.
That takes me to £108 for electric + panels.

As inflation rises, the £30 becomes more and more meaningless, whereas energy costs continue to rise.

In summer they will generate more than I use. You're currently looking at winter months.

You have a terrible grasp of economics, inflation and maths

Have fun with your poorness.

>>54275612
Octopus energy.

>>54275612
https://octopus.energy/outgoing/

>>54275577
I'm unironically incel though. I house wouldn't save me

>>54274001
According to /biz/ I need 6 gorillion in assets and 3 houses to afford the true love of an 18 year old virgin.

>>54274001
Murder is legal if you own a house.
You can kill anyone that illegally steps foot on your property, and if you commit a murder you can hide a body on your own property. If you rent it's a lot harder to get away with murder.

I'm not a psychopathic killer or anything, I just thought about this. Also I don't understand why anyone would want a conventional family life, but I do want a house to keep my stuff in, plus I like decorating.

>>54275866
Does castle doctrine not apply to properties you don't own, such as an apartment?

>>54274993
>>54274993
>A couple of thousand, so one to two years worth of rent.
bait? typo? or genuinely unaware of rent prices nowadays?

>>54274001
It’s nice owning your home

>>54274001
Hey, so basically I'm just gonna not rent
I know .... UGH I know....
I'm sorry!!!!!!!!!!!!!!
It's just that I'm going to own my own house and land
HAHAHAHAHAHAHAHAHAHAHAHAHA

>>54274001
>he wants to live next to other people

>>54275136
Keeps the world turning and pumps out future generations. If you aren't interested in that, your genes won't be expressed in the future. Such is life

>>54274661
this + my cock would stop working anyway

>>54274001
rentoid detected

>>54274001
Because I fucking hate the apartment life.

>>54274355
>usually slamming cupboards or something retarded
That is the sound of them fucking your ex. She stopped to chat with them one day, back when you were still dating.

>>54274001
So I can go out for late night drives dressed like a girl without my neighbors seeing

I live at my mothers now, big house.

I live in 6 figure urbanite housing hell (wealthy suburb, for my country) where every single fucking neighbor decided to be the loudest they can. They could hear the birds chirping every day. The wind in the tall trees. The sound of kids playing.

No, fuck that, I rather blast my shitty boomer music at lunchtime, clean with a moto-blower in the arvo, and let my kids blast reggaeton music until 3am every weekend cos muh freedom.

>>54274001
Hedge against inflation

>>54274610
okay I'll build one
let me find some land
>land not yet allocated for development
okay how about some land that is
>oh thats presold to our developers only, you can buy via them
okay I bought it now let me build
>ugh no, you bought from the developer you can only build a house the exact same as the other 142 lots as per the rules of new subdivision
um okay I'll go get my tools
>uh no sweetie, you need to pay a qualified builder to do that. here's our """Preferred""" partner

>>54274801
I own a house, you retard. It’s not that expensive. Once every year or two I have an expense that costs me a fraction of your yearly rent and every cent I pay goes towards owning an asset that’s almost guaranteed to be worth in the long term, instead of handing it to a landlord and never seeing it again.

>>54274001
I want a big garage, nice size land (where I can have parties at the back without worrying about neighbours), plus a big home gym.

I'm an autist who prefers to stay home most of the time, so I want a nice big house with lots of Room For Activities. I don't want a massive mansion, but I'd like a nice acreage property in the suburbs.

>>54274850
What anime is this?

>>54274610
There's more vacant homes than there are homeless people, faggot

>>54278191
A large heated shop garage on some land I could plant some fruit trees and garden and a few berms for a shooting range would be kino af.

>>54278191
>im an autist
>Stays home most of the time

And who will be attending these large parties, anon?

>>54276323
Fuck your hedonism, slave

>>54274801
I know the term “cope” gets thrown around a lot, but let this post serve as a lesson, maybe a time capsule if you will. This was when the website known as 4chan.org/biz received its maximal cope post to have ever existed.
An angry, seething, malding rentoid trying to self-justify the humiliation cucking ritual he faced every day which was paying off his landlord’s mortgage just for the honor of living in a small rental unit pod.
As time moves on one thing will remain constant, that is, the vast and infinite cope contained within the small tiny post. Hardly a paragraph, yet an encyclopedia’s worth of human psychology. Study up gentleman, an opportunity like this comes but once in a lifetime.

>>54274001
to rent it. make money. not be single anymore.

>>54274801
Cope more rentoid LMAO
>>54278273
Powerful post

>>54278257
Friends and people I know from way back; plus assorted family. I said parties, anon. Not large parties. You good?

>>54274857
>>54274950
Both of these women are ugly, you can tell they offer nothing but their vaginas. Find better women bro, I can smell their HPV from their pics. I mean honestly, trashy is the only word to describe these bitches

>>54278216
Welcome to the NHK

>>54274001
>Why would a single man want to buy a house
So you can have a place to put your stuff. Also yards are nice. You can maybe do an "oh shit" garden for when the grocery stores empty out. Maybe, at some point, a woman might copulate with you and spawn your offspring. The house will be a good place to hide your little freaks from the world.

Pros for me
>avoiding rent costs that can increase with a fixed monthly payment due
>eventually paying off mortgage and having your monthly expenses go way down
>complete freedom to build or rebuild anything - no landlord or HOA to tell you that you can't do something
>owning actual land
>having a nice yard for a dog
>house appreciation
>don't have to hear your neighbors through your walls
>can rent out a room or entire house if I wanted for nice income

Cons so far
>maintenance can be costly but repairs can last a long time when done correctly
>property tax jew you can't avoid, especially bad if you live in a blue state
>need to do constant upkeep, better off fixing things yourself most of the time
>potential to have shitty neighbors or live in a bad neighborhood but luckily my neighbors are all white
>current housing market instability could've fucked your home value in the short term

>1pbtid
All fields

>>54274001
Mostly to get girls

>>54274560
Even in my third world shithole we have thick fucking walls, itself only when I moved to the west to work did I notice these thin walls in studio apartments. It’s like a forced family the one you share walls with, you can hear everything.

>>54274950
>hit the wall at 21
Many such cases kek

>>54274801
25,000 for a new roof, unless you're a slate-chad then you're looking at 60,000. Lasts 25-30 years, or 150 years for slate-chads.
15,000 for a new sewage line.

At 1500/mo for rent (cheap) thats 2 years and 2 months worth of rent for repairs that last 25-30 years.

>>54274047
Fuck. You just hit the mark pretty well on me

>>54275569
You dont actually own your box, goy. I called you a slave to pussy because you behave like one and have to share it like ur selling me something. I fucked plenty of meat sockets in my life but do i go bragging about it? Its actually something i regret doing.

>>54274869
this has to be a utilities wall or something. thats fucking nuts

>>54274001
>sharing a wall with ANY neighbor
ngmi

>>54274047
pretty much this for me except replace the anime for retro vidya/nostalgic posters and shit

>>54274001
I boughted. Wouldn’t even know how to attempt to get a mortgage aka death hold. It’s comfy as fuck and have a home gym every night I get into bed I am grateful.
Thanks biz.
>>54274129
Based ken o keefe. Death to merchants

>>54274418
Redpill me on how to deduct home office expenses