/biz/ - Business & Finance

[Anonymous No.11320049]

>average home price is $400k
>average income is $31k
>if you put down $35k (lol, a bit over an entire years income) the monthly payment will be around $2,400 for a $400k house
>it's highly recommended you don't exceed 28% of your monthly income for your payment
>you need to make $100k/yr to afford the average house
>Just triple your income goyim!
You also end up paying $340k in interest over the 30 year loan. What the fuck is this jewry.

[Anonymous No.11320057]

>>11320049
>thinking $100k a year is much
bro, a secretary can make $60k a year answering phones. if you are making 30k you are working at mcdonalds.

[Anonymous No.11320064]

>>11320049
It's designed to keep you renting for life, so you never can retire and you can never gain any wealth to pass on in your family.

Like what's your actual reason for not learning another language and moving to a country that's not fucked.

[Anonymous No.11320073]

>>11320057
>just triple your income goyim!
$31k is $15/hr. Mcdonalds pays $10.75. You're a fucking retard.

[Anonymous No.11320101]

>>11320057
Only like 20% of the labor force earns more than 60k. Incomes and housing prices are totally mismatched.

[Anonymous No.11320114]

>>11320064
Comfort zone/ fear of the unknown.
Established friendships/community.

[Anonymous No.11320119]

it takes 2 peoples income

[Anonymous No.11320121]

Find a domestic partner that doesn't want kids to have a shared income

[Anonymous No.11320127]

>>11320119
No, it takes 3 full time average wages, or above average income. Not even husband and wife working full time at average income can afford the average house.

>>11320121
>just don't have kids goyim!

[Anonymous No.11320128]

>>11320101
>An estimated 48.9 million people, or 19.4% of the non-institutionalized civilians, have a disability.
>An estimated 24.1 million people have a severe disability.
>An estimated 34.2 million people, or 17.5%, have a functional limitation.
>Approximately 6.5 million people in the United States have an intellectual disability

If you cant make 60k you are either a retard or lazy.

[Anonymous No.11320133]

>>11320128
You're a delusional retard. You just ignore the numbers, facts and bleet total bullshit.

[Anonymous No.11320147]

>>11320127
1. Don't get an average home.
2. Why do you want kids other than for your ego? Think it over instead of resorting to muh biology/ muh social norm.

[Anonymous No.11320156]

>>11320133
buddy, my gf hasn't worked a day in her life. we just bought a house. she has 0 college degree and is 25.

We went on indeed, applied to like 20 secretary jobs, and she got hired in a week. $60k, full time, with benefits - answering phones at a doctors office.

I find it hard to believe anyone that says they cant get a job. You probably have a huge neckbeard and dont shower.

[Anonymous No.11320173]

>>11320156
Which city? And how hot is your gf?

[Anonymous No.11320178]

>>11320049
>average home price is $400k
Move to a better state

[Anonymous No.11320186]

>>11320156
Most jobs I see on indeed pay 13 dollars an hour while having insane requirements and stiff competition for those jobs. It's why I gave up and became NEET.

[Anonymous No.11320196]

>>11320173
C tits. 7-8 outa 10 with makeup. prude though, and shes working for a female doctor. Live in New england - not even in any major city. no public transportation or anything around here.

There were seriously like 100 secretary jobs just asking for only highschool degrees. $50k average.

A fucking dog walker pays $25 an hour. I don't know anyone unemployed that has tried to get a job, so this sounds like you all are fucking NEETs who never tried.

[Anonymous No.11320200]

>>11320147
Only a fool wouldn't have kids. And if you are a husband and wife couple making average full time wages your max monthly payment is going to be around $1.5k, allowing for a house price of $220k. If average house price is $400k then you aren't finding a $220k house unless you look 50 miles elsewhere. Empty lots go for $250k.

>>11320156
>just get a job that's double the average income goyim!
>And still have a spouse!
Dumbass, that's $28/hr. You're seriously delusional.

[Anonymous No.11320206]

>>11320049
Why should everyone deserve to own a house?

[Anonymous No.11320208]

>>11320196
Sounds opportune but being a Michiganfag I'm not relocating til I find something worthwhile somewhere warmer.

[Anonymous No.11320211]

>>11320200
I make $100k. She now makes $60k. Even if we both made $60k with some low ass secretary job a house would be totally affordable. You don't get to live in a house like you have pictured, 2 car garage, if you dont have 2 people working living there. get real this isn't reality tv and you aren't a housewive of beverly hills

[Anonymous No.11320220]

>>11320200
>Only a fool wouldn't have kids.
What is foolish about not having kids?

>average house price is $400k
Maybe in California or Hawaii but in Michigan the average is 150k

[Anonymous No.11320237]

>>11320211
Median secretary pay is 18/hr or 36k/year. Stop lying.

[Anonymous No.11320239]

>>11320049
>average home price is $400k
Nice bullshit. The average home price across the entire country is around $200k.

[Anonymous No.11320241]

>>11320237

[Anonymous No.11320242]

>>11320220
>What is foolish about not having kids?
Only the most extreme autist/narcissist would ask that question.

[Anonymous No.11320251]

>having a mortgage

Nobody needs to own a home.

[Anonymous No.11320252]

>>11320237
or this

[Anonymous No.11320253]

>>11320049
which is why a lot of people stay in a miserable relationship, at least they have two incomes

[Anonymous No.11320255]

>>11320237
can you manage a calendar anon?

[Anonymous No.11320256]

>>11320049
if you live somewhere the average home is 400k and you make 31k you should save some money and move elsewhere or resign yourself to renting forever and banking money to compound.

[Anonymous No.11320264]

>>11320241
>>11320252
>>11320255
>just anyone can get them goyim!
>even though average income is less than half that
>average HOUSEHOLD income is even less
Really makes you think.

[Anonymous No.11320267]

>>11320241
>>11320252
>>11320255
>>11320264

[Anonymous No.11320268]

>>11320242
No, I'm asking you to introspect rather than attack me. A narcissist would want kids to: pass on his genes, cement his legacy (supposed immortality through successful offspring), or give a purpose to his meaningless life.

[Anonymous No.11320270]

>>11320064
>moving to a country that's not fucked
Which countries? Also gaining citizenship would be a real hassle.

[Anonymous No.11320275]

>>11320264
my gf who has 0 work history got hired in 2 weeks. She has literally never worked ever. I know nobody unemployed that isn't choosing to be.

>>11320264
>>11320267
you realize not everyone works full time, right? women have kids and can't work, school schedules, etc. then a good % of the population is retarded >>11320128

or homeless/drugaddicts.

[Anonymous No.11320277]

>>11320256
>just move away from your family goyim, you don't need that pesky grounding and support system!

[Anonymous No.11320281]

>>11320268
A narcissist wouldn't have kids because they distract from literal and figurative masturbation. A well adjusted person has a nice happy family.

[Anonymous No.11320282]

>>11320267
How does it feel to be BTFO so hard?

[Anonymous No.11320289]

>>11320275
You're completely right, other neckbeards in this thread are just autistic.

There's money to be made even if you have 0 education. Just basic charisma, presentation and minor mannerisms can get you a legitimate job making decent $$

If you want to go into a field you actually enjoy or have a passion in then sure you might not make as much or you might be picky but don't fucking complain and say there's no jobs or complain about not making enough money

[Anonymous No.11320291]

>>11320275
>know nobody unemployed that isn't choosing to be.
You're an idiot. We're talking about gainfully employed people here.

>you realize not everyone works full time, right?
$31k/yr is $15/hr full time. Min wage is $10.75. If they work less than 40 hrs a week, they probably make ~$20/hr.

[Anonymous No.11320295]

>>11320275
Did your gf know someone in the governmemt? Did the HR feminists feel the need to liberate her from her shakles as a housewife? Normally these jobs are hyper competitive so something isn't adding up

[Anonymous No.11320299]

>>11320277
are you fucking retarded? why would you live in an area you cannot prosper when you can move states and realize economic benefits of another. Ya moving from your family is tough but it isn't a big deal to 2-3x your earnings and come back on holidays, No wonder the 3rd worlders are taking over. Flee the Philippines make some money and then bring their families over well some faggot is too scared to change states/provinces.

[Anonymous No.11320301]

>>11320282
>being so fucking stupid you actually think homes are selling for $50k

[Anonymous No.11320318]

>>11320295
nope. there are a ton of jobs for just being a basic secretary, for $50k a year all over. 2,000 in this example. we lied like fuck on her resume though.

>>11320289
this. put a fucking suit on, shave your neckbeard, fake a resume and go apply. if you get called out on it, oh well, job wasn't for you anyway.

[Anonymous No.11320329]

>>11320301
>using 2 different definitions of "Harrisburg" for income and home prices
Either way, I've yet to see these $400k homes you are larping on.

[Anonymous No.11320332]

>>11320318
No wonder. I'm honest on my resume and can't get a job.

[Anonymous No.11320337]

>>11320332
yeah, dont be honest, youll never get shit. but any tard that can use a computer can do this shit. making 50k should not be difficult.

[Anonymous No.11320341]

>>11320318

LOL YEAH THE GUYS THE STATE OF EMPLOYMENT IS FUCKING GREAT JUST LIE LOL.

You are delusional buddy, you don't think that's a problem?

What is your job and your income, did you lie on your resume?

[Anonymous No.11320362]

>>11320281
>A well adjusted person has a nice happy family.
>>11320147
>muh social norm

[Anonymous No.11320364]

>>11320341
100k. programer. hired out of college never did a resume.

I actually believe anyone complaining is just zoomers who are fucking lazy and arent willing to put in the effort of getting a tailored suit, have tats/shitty neckbeards/man buns, or are so autistic nobody wants to be around them in an office environment.

[Anonymous No.11320372]

>>11320362
You're heavily autistic.

[Anonymous No.11320377]

>>11320329
harrisburg is not where the 400k houses were, read the thread.

[Anonymous No.11320404]

>>11320364
You're delusional. I'm happy to hear your first job was quadruple the average income, I mean that unironically. Good for you. However, not everyone can "just be a programmer" or "just like make 100k lol", many positions that require years of experience can still pay $40-50k.

[Anonymous No.11320416]

>>11320404
my girlfriend has 0 experience, never used excel in her life, and got a secretary position. one of my other friends just recently became a private security guard at a museum for $50k, no college degree.

do you even own a suit? or are you interviewing in a tshirt and shorts. You have to fucking sell yourself, and if you are selling yourself as a NEET, enjoy bagging groceries all day.

[Anonymous No.11320439]

>>11320337
post ur gfs resume

how did she apply to those jobs that required experience

[Anonymous No.11320442]

>>11320416
You must live in a good area. Here in cali wages are dogshit unless you work for the state. I have a BSME and this is my opportunity.

[Anonymous No.11320443]

>>11320377
If you're referring to "Harrisburg" as the entire county, where you are getting your 150k home prices from, people there aren't making 30k a year either.

[Anonymous No.11320447]

>>11320364
wheres this; sf? and did u graduate from an ivy or good state school known for cs?

[Anonymous No.11320452]

>>11320416
>this sheer delusion
The fact that you think a suit means a lot says a bunch about you. Who wouldn't interview in suit and tie? You sound like a LARPing child.

[Anonymous No.11320459]

>>11320416
> do you even own a suit? or are you interviewing in a tshirt and shorts. You have to fucking sell yourself, and if you are selling yourself as a NEET, enjoy bagging groceries all day.
would anyone actually interview for a job that isnt bottom of barrel without at least wearing a suit or business casual?

[Anonymous No.11320477]

>>11320439
I'm not on her computer. we just wrote she was a secretary for a "private individual", and had my google voice number on hand if they asked.

they didn't.

>>11320447
new england. no ivy league, I barely made it out of highschool. our college had job placement and I got hired along with most of my classmates. they have something like 80% placement out of CS majors.

>>11320452
ive seen plenty of candidates in just khaki pants and a shitty polo. thats fine for regular office wear, but its not for interview.

[Anonymous No.11320491]

>>11320459
business casual generally isn't ok for an interview. just my 2 cents, you want a suit and tie

[Anonymous No.11320492]

>>11320049
American here, I could easily pick up a hoise like that for $110k

[Anonymous No.11320507]

>>11320492
That house goes for $400k where it's located in America. Where do you live? Probably not there.

[Anonymous No.11320534]

>>11320372
>>11320268
>I'm asking you to introspect rather than attack me.

Have you ever taken a philosophy class? I get the feeling that you've never deeply thought through why you want children since you're constantly avoiding the question. I'm just trying to help you make reasonable choices.

[Anonymous No.11320539]

>>11320534
>just end your genetic lineage goyim, it doesn't even mean anything anyways!
>also don't believe in god
>pls rent

[Anonymous No.11320540]

>>11320507
You stated that the AVERAGE home price is $400k dummy

[Anonymous No.11320542]

>>11320539
you can always donate sperm so your lineage doesnt die

[Anonymous No.11320546]

>>11320540
That is the average home price. That pic is the average house, an early 90's two story.

[Anonymous No.11320549]

>>11320546
>what is location
Are you retarded?

[Anonymous No.11320550]

>>11320539
So you're saying you do believe in god?

[Anonymous No.11320556]

>>11320491
to most of the interviews I went to if I had went in there with a suit I would have outdressed my interviewer

this is for software development

[Anonymous No.11320557]

>>11320550
Of course. Jesus loves you anon. I know you're lost but I hope you find your way, life is hard.

[Anonymous No.11320562]

The problem isn't the price of houses its the location. The same 2 bedroom house would sell for 20k in one state and then 200k in Cali. I have a 1500sq ft home, a detached garage, 2 detached buildings for tools/machinery/mowers and 2 acres. And all thats worth like 45k where I live.

Have fun paying 500k for a one bedroom house that you cant even walk down the street at night for fear of Tyrone jumping you with his pals

[Anonymous No.11320563]

>>11320049
there is no jew business going around. it is the market telling you that you shouldn't be living where you want to. supply and demand, bruh

[Anonymous No.11320566]

>>11320542
Illegal to donate sperm if youre a manlet

[Anonymous No.11320571]

>>11320556
outdressing is good. you want to be memorable.

[Anonymous No.11320573]

>>11320557
You believe there's something special about you don't ya? Muh afterlife

[Anonymous No.11320578]

>>11320562
Where are you from anon?

[Anonymous No.11320616]

>>11320573
No, not really. Just another human. I'd assume you have an inferiority complex though.

[Anonymous No.11320665]

>>11320057
$60k/year is like $30/hour, a typical secretary isn't making anywhere close to that unless it's at one of the biggest companies in one of the highest cost-of-living places on Earth.

[Anonymous No.11320675]

>>11320578
WV the best state

[Anonymous No.11320679]

>>11320616
Also, not really. More of an agnostic buddhist after studying cognitive science and realizing that identity is an illusion. Most of what I wanted out of life was out of ego (including religious beliefs) and I try to help others still stuck in that mindset to start introspecting and being honest with themselves with the possibility of having the same awakening I did.

[Anonymous No.11320687]

>>11320049
Where do houses cost 400k? Where I live they're around 130k.

[Anonymous No.11320688]

>>11320679
Lol, alright buddy. Just keep your chin up, okay?

[Anonymous No.11320705]

>>11320687
Where the fuck are houses 130k?
Where I live an abandoned, burned, vandalized house is 160k.

[Anonymous No.11320711]

>>11320688
Here's the book that led me down the rabbit hole if you ever decide to look into it.

[Anonymous No.11320717]

>>11320705
pretty much anywhere that isn't the coast or some other hot market like Denver or Austin.

All I'm hearing in this thread is poorfag cope, and blatant mischaracterization of home prices and income.

[Anonymous No.11320736]

>>11320717
this

wah prices are too high, no shit if all people want to buy in the same place prices get high, try some bumfuck area and say you cant afford it

[Anonymous No.11320816]

>>11320705
South Florida suburbs, not far from the ocean.

[Anonymous No.11320835]

>>11320049
lol that average home sleeps 4 people comfy. so where does your math account for that?

Why are you living alone in a 1600 square foot home?

Why have you not charged rent for those living under your roof?

Why did you not account for the appreciating price of the house (assuming you picked a good area)?

This retarded post assumes people will remain retarded when they buy a home. There is just so much wrong here.

Can you /r/latestatecapitalist fags just go away.

[Anonymous No.11320857]

>>11320049
>Thinks he is the first person ever to realize income to home price ratio is out of hand
>Can’t afford a home

So what? You want pity or is this a begging thread?

[Anonymous No.11320867]

Anons is this gross or it’s exacly what I’m able to spend?
I’m considering moving from EU

[Anonymous No.11320876]

>>11320867
>San fran
You're fucked.

[Anonymous No.11320927]

I make 100k as a programmer with 1 year experience and still can’t afford a house besides a shitty condo with scam hoa fees. A single family starts at 500k in my area which would be stupid to buy on a 100k salary. I have to wait until I’m making at least 130-150k to start thinking about buying a house.

[Anonymous No.11320930]

>>11320717
Well fuck me for living in a hot market.
>>11320816
Check your privilege.

[Anonymous No.11321013]

>>11320049
Real estate prices and income are all dependent on regions and neighborhoods, which also takes taxation into account. Using averages for your computations will give you an inaccurate picture when you need to direct your focus smaller. You're not screwed because of money, you're screwed because you don't understand hot to apply basic arithmetic to a very ordinary situation. But that's cool, because I take money from people who can't spreadsheet

[Anonymous No.11321083]

>>11320930
>Well fuck me for living in a hot market.
theres something called moving

[Anonymous No.11321095]

>>11320057
>t. idiot

[Anonymous No.11321118]

>>11320196
>A fucking dog walker pays $25 an hour
a dog walker or secretary job in America pays more than a specialized job requiring masters degree in engineering or economics in Europe

Wtf is wrong with the US. Why is everything so inflated there

[Anonymous No.11321143]

>>11320930
>Check your privilege.
Low housing prices. No taxes. Guns. Lots of finance. Cheap Mexican servants. Highest concentration of neo-nazis in the country. Remind me again why Florida isn't the perfect /biz/ state?

[Anonymous No.11321170]

>>11321118
This is not true

[Anonymous No.11321184]

>>11320147
>2. Why do you want kids other than for your ego? Think it over instead of resorting to muh biology/ muh social norm.

Literally the only reason you're born. The only reason for your existence. You not wanting to have kids is an aberration.

[Anonymous No.11321193]

the banking jews ruined America. The politicians are ther bitch ass punk jew whores. THE GODS WILL BLESS YOU IF YOU KILL JEWS AND LAWYERS AND POLITICIANS

[Anonymous No.11321225]

>>11320571
Yes, you out-dress by a tier.

If they dress casual, you biz casual
If they dress biz casual, you go full-suit

[Anonymous No.11321228]

>>11320049
Well it's just a reality that most Americans are not wealthy enough to be home owners. That's why it's called the American dream not the American reality.

That said average vs average is misleading when the distributions are not similarly shaped. People in rural communities can easily purchase houses for far cheaper than $400k according to Zillow my parents ~2000 SQ foot 3 bedroom house in northern Illinois on a 1/3 acre lot is worth about $140k. The price increases faster than the local salary when you try to move closer to the city or the coasts, which is why you have Google engineers living in vans.

[Anonymous No.11321236]

>>11320064
fear that America will eventually bomb wherever I move to

[Anonymous No.11321264]

>>11320156
>we just bought a house.
AHAHAHAHAHAHAHAHAHAHAHAHA and you live in Massachusetts enjoy that shit in a year or two from now. enjoy always being underwater

[Anonymous No.11321278]

>>11320114
>Established friendships
Nice larp

[Anonymous No.11321286]

central banking capitalism is deeply flawed in this respect.

than banks socialize the losses and privatize the profits. They don't allow property to go down in price, preferring to inflate assets with money printing during down-cycles.

[Anonymous No.11321299]

central banking capitalism is deeply flawed in this respect.

The banks socialize the losses and privatize the profits. They don't allow property to go down in price, preferring to inflate assets with money printing during down-cycles.

[Anonymous No.11321306]

>>11320679

ah, you're just another "enlightened" guy who thinks he's got it right and everyone else is an idiot. BOOOOOOOOOORING

[Anonymous No.11321316]

>>11321299
if the military doesnt make serious efforts to cull the jews, it will fall on the citizens to protect USA and destroy the mennace

[Anonymous No.11321350]

>>11321184
Yes goyim, bring more slaves to the system ;)

>muh white babies will save civilization
Fucking white mutt babies are pampered little entitled shits, my friend. Close to useless.

But do as you wish retard.

[Anonymous No.11321385]

The median value of a home in the United States is $216,700, not $400,000. The 28% rule of thumb is just that - a rule of thumb. No one requires you to do it and in many places people are unable to follow it anyway. That is the price for a single, detached, FAMILY house. Did you see that keyword? It's not for your typical 4channer. A man and woman choose to purchase this home with their combined income, and adopt the lifestyle of home ownership for the sole purpose of raising a family in it. They choose a life of middle class suburban mediocrity and live in servitude to the bank that holds their mortgage and under the foot of their employer.

>hurr durr seventy years ago the MAN could make enough to buy the house himself!!
Seventy years ago the man could buy a 900 square foot slab home constructed of literal garbage in a completely soulless commuter suburb on his income alone. You can still buy that same home on one person's income even today. It smells like cat piss.

In terms of finance, home ownership (primary residence) is in no way superior to renting a small one bedroom apartment. You will not come out ahead, and in any case you shouldn't treat your primary residence as an investment because that's something only stupid hillbillies do.

[Anonymous No.11321478]

>>11320049

$400k and a firm handshake

[Anonymous No.11321495]

>>11321478

[Anonymous No.11321543]

>>11320057
Who are you and where does your privileged ass live so i can rob you and possibly murder you and your family to ensure your inherited wealth defaults to the state?

[Anonymous No.11321642]

>>11320101
20% of households you mean.

[Anonymous No.11321701]

The only way to afford a house nowadays is to have two incomes (e.g be married) which is why the virgins on biz will never own a house unless they pull a 6 figure incomes.

[Anonymous No.11321710]

>>11320679
>identity is an illusion.

[Anonymous No.11321760]

How are millions of homes being purchased if literally nobody can afford them.

That is the argument you are making, so how is it happening?

[Anonymous No.11321775]

>>11321760
Because some people can afford 5 as investment property.

[Anonymous No.11321794]

>>11321760
debt slavery. the jews at court will reposess alot of them in an organized crime system that is USA then resell them again, jews get richer. UNTIL WE FUCKING KILL THEM ALL

[Anonymous No.11321822]

>>11320156
You pathetic faggot, she got that job because she's likely bimbo eyecandy. She's not lucky, she probably wouldn't have gotten it if she was actually competent. How do I know? Because my dumbass cousin who can barely tie her own shoelaces got a similar job, and her boss implied she was hired for her looks.

[Anonymous No.11321837]

>>11320206
>these are the same retards who complain about declining birth rates
Houses=Families
Families=Kids
If the government gives a shit about the birthrate, they should make it possible for all productive citizens to own a house no more than 7 years after they reach adulthood.

[Anonymous No.11321847]

>>11321837
okay what happens when 1million productive citizens want to live in the same location 5mins from a cities center?

[Anonymous No.11321856]

>>11320927
There are people in your city who make less than 6 figures and still get by. Do what they do and save the difference for a down payment

[Anonymous No.11321881]

>>11321701
Not true. Tards in this thread complain about making 6 figures and still poor. Bitches stay bitches and no amount of money can change that

[Anonymous No.11321887]

>>11321350
Your not gonna make it.

Enjoy being alone during your funeral.

Enjoy wasting your life chasing materialistic ideals/hedonistic lifestyle while ignoring reality and your biological purpose

And also your offspring doesnt have to be a slave if you teach them on how to break out of the system.

And finally say goodbye to your family line and to the genepool. But hey, that will be one less pretentious and condescending fool on the planet. So it works for me

[Anonymous No.11321890]

>>11321847
Simple fucking supply and demand. Either pay more or live farther away

[Anonymous No.11321896]

>>11321083
There's something else called my job.
Sure I make more than many, and soon most, but I shouldn't have to pay this much for somewhere to live in some semi rural, suburban area.

[Anonymous No.11321902]

>>11321887
he's dead at his funeral. why would it matter to him who attends? he has no mind to process anything. it's cute that you've assigned to yourself purpose and if it works for you that's great. but let's not pretend everybody shares your beliefs about purpose or priorities.

[Anonymous No.11321907]

>>11320049
>average home price is 400k
[citation needed]

[Anonymous No.11321919]

>>11321596
>>If you like paying taxes on them and like mature companies with little room for growth
>Yeah I'm looking for alil more stability.
>https://www.investopedia.com/investing/monthly-dividend-stocks/
>>Pembina Pipeline Corporation ( PBA )
>Looking here the dividends is $1.75 with shares at $35. And they pay dividends monthly and I can compound that basically.
>If I invest $500 I can get about 142 shares.
>My monthly dividends will be 142 x 1.75 meaning $247 monthly. And i calculating this right?
>Cause that's far better then any interest I can earn at the bank

[Anonymous No.11321946]

>>11321143
lots of spics and niggers

[Anonymous No.11321948]

>>11321919
Divide 1.75/12, because it pays monthly.

[Anonymous No.11321958]

>>11321948
>Divide 1.75/12, because it pays monthly.
Alright, that makes sense thanks

[Anonymous No.11321959]

>>11321887
>that will be one less pretentious and condescending fool on the planet. So it works for me
He says in the most condescending way possible

Not a surprise really, parents always acquire this over-inflated ego because they pooped out a helpless being that depends on them, so a hero complex arises. Your dumb spawn won't give a fuck about you or your needs, they'll be too busy working for Mr. Shekelberg

[Anonymous No.11321965]

>>11321856

Thing is there are a tons of boomers who make 50k as an administrative assistant and live in a 500k house because they bought 2-3 decades ago when it only cost 150k. I actually know a boomer in this exact situation. Now if they decided to sell there’s no way they could find another 50k wagie to buy it, they would need to sell to a doctor or engineer. The younger generations have been so screwed by real estate investors.

[Anonymous No.11321973]

>>11320049
You do realize that most homes are owned by a couple, with two sources of income, right? It's easy to get a job making $40k/year, and say the wife can bring in the $30k/year, you're now at $70k which means you can now get a decent house. $400k is way above average for a house, for a young couple they should be able to get something for under $250k

[Anonymous No.11321977]

>>11321907
500 dollarinos get's you 14 shares, not 142. and the yield is 5% ish, but monthly means you don't get 5% a month, you get the 5% divided into 12 months.

[Anonymous No.11321979]

>>11320281

Normalfag npc

[Anonymous No.11321982]

>>11321973

>tfw I can’t buy a house because I have to compete with all these dual income NPC’s who fell for the marriage meme

REEEEEEEEEEE

[Anonymous No.11321983]

>>11320049
those numbers seem off.

average HOUSEHOLD income is closer to $60k, and thats what matters when comparing income to housing prices.

And according to CNBC, median home price is about 200k:
https://www.cnbc.com/2017/06/29/what-the-median-home-price-of-200000-will-get-you-across-the-us.html

A 40-year mortgage for a $200k house on a $60k income seems doable to me

[Anonymous No.11321993]

>>11321982
Lmao nigga, just like, earn more money nigga. Also you have no need for a 2500sqft 2 story with a large parcel of land if you're just a single guy who spends his day shitposting on 4chan.

[Anonymous No.11321995]

>>11321887
lmao when your wife divorces you and your kids turn into nihilistic zoomers

>And also your offspring doesnt have to be a slave if you teach them on how to break out of the system.
Literally the only way out of the system is having wealth. No amount of "redpilling" will save you if you don't have money. You can't even fuck off into the woods and live like a wild man, the government will abduct you and drag you back in with the herd. If you have to work, you are cattle, literal goyim. If you're kids aren't modern day aristocrats with trusts then you have failed as a parent and only succeeded in making more goyim for the elite.

[Anonymous No.11322004]

>>11320267
How is the median income greater than the average? That doesn’t make any sense

[Anonymous No.11322010]

>>11320156
He's lying on the internet, who would of thunk?

[Anonymous No.11322024]

>>11322004
>>household

[Anonymous No.11322025]

>>11320049

Who puts down exactly 8.75% on a house? Also, very few first time homebuyers buy an "average cost" house as their first house. The way most average people are able to get into $300-$400k houses is by buying a "starter home," gaining equity via mortgage payments, then selling the house 5-10 years down the road to get back their equity plus profit to contribute to a down payment on a bigger house.

Also, odds are that your $45k salary you have when you buy a starter home grows to something bigger by the time you're ready to get into a bigger house. As for your point about how much interest accrues on a 30 year loan, all loans are like that, from car loans to student loans. But, if you pay the equivalent of just one additional mortgage payment a year, you can pay of a 30 year mortgage in something like 22 years

[Anonymous No.11322032]

>>11321993

Ok, give me some tips on how to earn 200k as a junior programmer who doesn’t live in Bay Area because that’s what it takes to buy a house in my town.

Also yeah I agree with you I don’t really need a big fucking house. The problem is I want a driveway and a yard and preferably a garage and nobody builds 1 bed/bath houses with those. My only alternative is a condo and those all come with ridiculous HOA fees of hundreds of dollars a month and a whole host of other problems.

All I want is a place to work on my car and have a home gym. I have to buy a single family home for that.

[Anonymous No.11322039]

>>11320416
Yeah but y’all lied though.

[Anonymous No.11322055]

>>11322032

I'd look into seeing if there is any land nearby that you can afford, anon. Then look into something like modular homes. You might find that the shit is cheaper than buying an existing house. Only catch is you have to wait several months for things to get approved and for the house to be move in ready.

[Anonymous No.11322059]

>>11322032
In the same position as you.
There are smaller 1/2 bedroom houses around here that fit that bill but they're 50+ years old.
Nearly anything new is a mcmansion "luxury" building or a condo.
Fuck condos.

How would you get a hundred year old house up to par with potentially lead paint and plumping, whatever electrical shenanigans they whatever, etc.

I don't want to rent but fuck houses are expensive.

[Anonymous No.11322062]

>>11321822
He admitted she forged her resume to get the job. Can’t trust him.

[Anonymous No.11322113]

>>11322059

A 50 year old house is only an issue if no one's taken care of it/updated and renovated it. There's 50 year old houses that aren't total dumps out there. They're also made of actual wood planks instead of the particle board shit new houses are made of. Today's houses will deteriorate faster than houses built 50 years ago.

[Anonymous No.11322120]

>>11320128

Even after Amazon raised the minimum wage that's still not even 60k. Not even managers at Amazon who have a salary make that much. (and that requires a degree and several years of experience)

[Anonymous No.11322133]

>>11320049

ITT: Retards not understanding that land on earth is limited and the more houses there are the more they will cost

[Anonymous No.11322141]

>>11322113

My parents live in a house built in the 50’s. Absolute piece of shit. If we bulldozed it the property value would probably go down by 10% at most kek

[Anonymous No.11322153]

Lets say i make 700k from crypto.
I buy a 400k house, fully paid off.
So utilities is 150 a month
Property tax is 2k yearly
Is this how it works?
From canada btw

[Anonymous No.11322171]

>>11322062
Doesnt everyone lie on resume? Only way to get hired.

[Anonymous No.11322181]

>>11322039
Pretty sure this is standard practice. Job listings even ask for people to know shit for longer than its been around.

[Anonymous No.11322191]

>>11322171
>>11322181
Of course that guy is being naive

[Anonymous No.11322193]

>>11322153

Utilities would probably be 250 at minimum and property tax is usually 1-1.5%. Then you have to get home insurance unless you want to get JUST’ed by a natural disaster, another 100 or so a month. Then there’s maintenance which will run a few thousand per year when averaged out over the long term. So you’re still looking at over 1k a month even with no mortgage

[Anonymous No.11322194]

>>11322181
Furthermore they ask for so much in the description only to give you a job you could've done in the 8th grade or taught yourself in a day or two

[Anonymous No.11322197]

>>11321118
it's misleading, those are rich af neighborhoods and 50-60k is poverty there, and the only way to get those jobs is to be a friend of the family

[Anonymous No.11322200]

>>11322133
holy fucking hell, these goddmaned kids never left the one city they were born in and dont know the earth is 90% uninhabited and thats just the LAND. Fucking retarded motherfucker kill all your teachers and your parents for making you so fucking stupid. I HATE PUBLIC SCHOOL AMERICAN RETARDS. ANd this motherfucking is posting arrogant ass loser fuckhead bullshit. like ohh youre so smart you think the empty earth is all filled up cause your jew city is shit

[Anonymous No.11322209]

>>11322197
this

[Anonymous No.11322214]

>>11322200
this, people who just regurgitate what they were taught shouldn't participate in discussions

[Anonymous No.11322222]

>>11322197
https://wagwalking.com/
$20 a half hr to walk dogs. Its like uber

[Anonymous No.11322226]

>>11322193
>So you’re still looking at over 1k a month

Are you serious?

[Anonymous No.11322238]

>>11322141

There's houses that were built in the 90s that are pieces of shit. All about how good the builder did and how well the owners take care of it.

[Anonymous No.11322247]

>>11322226

>350+ a month for property tax
>100 a month insurance
>250 a month utilities
>200 a month maintenance (every 10 years or so you’ll have one or two big ticket repairs)

900 dollars at least for a 400k house

[Anonymous No.11322257]

>>11322238
True, but houses from the 70s used lead pipes. Earlier than 80s used asbestos. Some around that period have shitty foundations that allow radon to permeate.

You dont want a house earlier than 90s

[Anonymous No.11322266]

>>11322181

Morality where

[Anonymous No.11322268]

>>11322226
no. it's not going to cost you 250 a month for utilities for one person. insurance will be less then 100 a month for a 400k property. property taxes are low in canada, not 1% of the value. i pay 5k on a 1.6m property. maintenance won't be a few thousand a year, not unless the roof is in shit condition before you bought it and needs to be replaced immediately. stoves, fridges, washers, dryers, boiler and furnace are pretty cheap. nothing else needs to be maintained aside from mowing your lawn.

i'd estimate a 400k property with one occupant would cost around 425 a month. repairs are a crap shot so i'd allocate around 100 a month to a repair fund.

[Anonymous No.11322270]

>>11322247
>350+ a month for property tax
Can't i pay that at the end of the year?
>100 a month insurance
No disaster won't happen here
>250 a month utilities
Do you think i have 5 gaming pc or something? At most, i see it at 100 or 150
>200 a month maintenance (every 10 years or so you’ll have one or two big ticket repairs)
Wut

[Anonymous No.11322271]

Just live in a rural area

[Anonymous No.11322273]

>>11322266
you need to be a shark to get a job. sharks have no morals

[Anonymous No.11322279]

>>11322268
>i'd estimate a 400k property with one occupant would cost around 425 a month.

Holy fuck, i just want to pay 200 at most. Buying a house is a meme....hmm

[Anonymous No.11322281]

>>11320571
Wagie spotted.

[Anonymous No.11322286]

>>11322279
you need to to factor in utilities to rent too, friend.

[Anonymous No.11322288]

>>11322270
even if you don't live in a earthquake or tornado zone, fire and sewer backup protection is still necessary.

[Anonymous No.11322289]

>>11322273
Oh well. 48 Laws of Power Machiavelli type shit.

Kinda defeats the point of a cv if more than 50% are inventing their experience and the employers are artificially matching the lies with inflated demands for a retard tier job.

System is fucked. Check and mate.

[Anonymous No.11322297]

>>11322270
here is a typical housebuyer. doesn't know anything about the cost of buying a house but buys one anyway.

[Anonymous No.11322310]

>>11320196

Some of us live in scam states that have high cost of living but pay shit. Illinois is probably the worst. Midwest without Midwest prices. Average people make here is 40k but houses cost 400k. A lot of ghetto niggers survive in shacks with several people working just to afford a place. Anything nice is definitely half a mil here, as long as you are within an hour of Chicago.

[Anonymous No.11322312]

>>11322289
A resume is just a foot in the door? The interview shows if you are qualified.

[Anonymous No.11322324]

>>11322286
>>11322288
>>11322297
I don't do mortgage shit.
If i bought i house, i would pay all of it.
Just wondering about the monthly/yearly expenses.
>>11322268
I guess 425 a month isnt thatt bad....

[Anonymous No.11322332]

>>11322324
The house*

[Anonymous No.11322336]

>>11322200

>He thinks all land is habitable
>He's including land in shitholes like Africa and sandnigger regions
>He doesn't appear to realize how much government owned land exists that no one can build on even if they wanted to

[Anonymous No.11322338]

>>11322171
>>11322181
>>11322191
I’ve never thought about lying. You’d just be found out and fired.

[Anonymous No.11322342]

Economy is totally fucked not just housing. there will be a civil war in usa soon. People just cant afford to live anymore, food stamp lines grow with suicide rates, it is just like 1930's

[Anonymous No.11322354]

>>11322342
How to profit off of this?
What do? I want to buy things but Mexicans are everywhere.

[Anonymous No.11322361]

>>11322354
become a loan shark, people desperately need money to keep their kids fed and will accept ridiculous interest rates.

[Anonymous No.11322367]

>>11322354
Start selling militaru bunkers and canned food

[Anonymous No.11322370]

>>11320239
This. How are people falling for this bait? In my state, you can get a starter home in an decent neighborhood for like $150k in the city, and $70k in the exurbs.

[Anonymous No.11322375]

>>11321995
>>11321959
>>11321902
I bet you guys have no gf and are below 25

[Anonymous No.11322379]

>>11320049
>he’s starting to become aware of the chains that keep him tied to the matrix, shut it down!! NOW!!!!

[Anonymous No.11322387]

>>11322375
im married and 36 and have kids -_-

[Anonymous No.11322388]

>>11322257

Home inspections can easily detect asbestos insulation. Good luck selling a house with asbestos now that everyone knows how bad it is. There's asbestos siding on some older houses, but asbestos siding isn't really an issue and can usually be covered up by vinyl siding without issue. Can't say a whole lot about lead pipes but that it seems to be more common in black neighborhoods that the local politicians don't care about.

[Anonymous No.11322406]

>>11320049
>>11320064
it's not jewery and it's not "designed". It's actually you. Yes, YOU. The housing market obeys the supply and demand law. As long as there are enough of You(s) willing to pay the price, that's what it's worth. Want the prices to go down? Stop fucking borrowing money from the banks to pay for overinflated (((assets))).

[Anonymous No.11322411]

idk I bought my house cash in 2013, not quite the bottom but close enough

[Anonymous No.11322419]

>>11322406
Good goyim

[Anonymous No.11322424]

>>11320057
Half the people in the USA make less than $31,099 and half make more than $31,099.

That’s just income, in terms of wealth it’s more skewed with the top percentiles having a more disproportionate share.

As rich as the USA is most of the population is “poor.” Not Sub-Saharan Africa poor but still poor.

[Anonymous No.11322434]

>>11322419
are you retarded? I'm literally advising you to do the opposite of what the jews want.

[Anonymous No.11322447]

>>11322406
Actually home ownership rates are blummeting very fast both usa and europe.They are 90's levels already in many cities. It's institutional investors that buy and rent. Individuals are out of the market

[Anonymous No.11322452]

>>11322388
Asbestos is allowed and so is lead paint pre 70s houses, friend. Housing code only applies to when the house is built or when repairs are done.

[Anonymous No.11322455]

This will soon to crack all time lows as rates raise to 10% levels rather quickly

[Anonymous No.11322543]

>>11320049
What's with normies and their obsession over houses even though they can't afford them? Nothing wrong with renting an apartment.

[Anonymous No.11322632]

>>11320057
In what america do you live bro? A secretary in a high COL city like NYC might score $60k with experience and 50% will go straight to rent minus city, state, and federal tax. The average american npc is subsisting, rooming, and filling their lives with cheap chinese consumer crap and turning to free social media as form of escapism

[Anonymous No.11322642]

>>11322452

Yeah I know that. I'm just stating that selling houses with things like lead paint and asbestos is much harder than houses without. Most people who have lead paint or asbestos will do something about it before selling if they actually want good value on a sale. Otherwise their house will only be good as a cheap buy for investors to flip.

[Anonymous No.11322652]

>>11322543
If retired on shit pension it's better to own a house by that point

[Anonymous No.11322666]

>>11321965
Hurr durr go look for someone who bought a 100k house 2-3 decades ago and is selling it for 300k. Let the doctors and engineers live in 500k neighborhoods. You'll end up being surrounded by people just like you. If you feel like you're too good to live in those neighborhoods then keep paying the rent that you pay without building equity. You pay rent for convenience. This is your local real estate market that you have to deal with. There are much better markets out there if you're willing to move. You have options, but I get the feeling that you're the type of guy who'd rather complain about not getting your way rather than take any meaningful action.

[Anonymous No.11322685]

>>11321881

They are larping. Very few if any make that much money

[Anonymous No.11322709]

Who needs a house? You can fit 20 beaners in a garage and after 1 year you will have 40 beaners. They need unfortunately 12 years to be productive but if you put hormones in their tacos you can put them to work at 10 or 9ish. After that you have around 40 years to use their work before throw them away.

[Anonymous No.11322714]

>>11322032
Earn income as a junior programmer. Earn side money by designing websites or fixing cars or fitness training or whatever in your spare time. You're correct in that no one builds 1bed/bath homes, so get a house with multiple bedrooms and then get roommates who will PAY YOU MONEY IN THE FORM OF RENT for a place to stay.

Or you can keep crying because you're not getting your way. I don't think anyone really gives a fuck.

[Anonymous No.11322728]

>>11320049
These numbers at least 20 years old.
National average salary was 45k like 15 years ago, houses average now 450-650k I think

[Anonymous No.11322740]

>>11320156
Lies. Absolute lies. Secretary jobs make around 30-35k, at best. Most are around 14-16/hour.

[Anonymous No.11322743]

>>11322153
>Lets say i make 700k from crypto

or let's not

[Anonymous No.11322744]

If your lazy then wait until your parents die and inherit their house.

[Anonymous No.11322759]

>>11322709
There are laws against child labor and mexicans get affirmative action anti-racism privilege.
You can't touch them. They're the new colonials.

[Anonymous No.11322764]

>>11320867

You could not pay me that much to work with PHP daily. What a horrid language.

[Anonymous No.11322774]

>>11322652
I doubt it. Having a house when you are a lonely incel is overkill. And if you have a partnet then op should assume 31k x2.

[Anonymous No.11322827]

>>11322759
You can't differentiate a 10 yo Beaner from a 25 yo by their looks. The only way if someone bother to ask for their IDs.

[Anonymous No.11322860]

>>11320049
But Americans will just put up with more immigration to propp up home prices as boomers leave their homes.
>civil war when

[Anonymous No.11322888]

>tfw cashed out 250k from crypto last year

Everyone else my age is fucked. Retards should've listened to me when I was shilling bitcoin in 2013

[Anonymous No.11322914]

>>11322406
Its all the third world migrants that come here to live off our land and then tell us we are rascists and demand our lives and childrens lives for the life of their own and their children.
Im from a small town thats loaded I mean loaded with mexicans that migrated here from the 70s and 80s.
They have many childreb then their children multiply and they are full blown welfare addicts along with selling drugs in the community and mixing with the stupid dumb downed white women that think muh children are mixed now im not rascists see me Im new age.
Pathetic. Its all pathetic. Social cohesion goes out the window and now kids being raised in good families cannot leave the house and feel safe anymore.

[Anonymous No.11322985]

>>11322914
So don't raise a family in this dump?
If you wouldn't have children in mexico, why would you here? This is just another thirdworld shit hole in which you can make better money than any other thirdworld shit hole AND you get to treat everyone like otherwise worthless fuck meat.
With the increasing trend of boipussy and shit you can see you'll no longer need to travel to places like Thailand because it's all here already and you have better logistics with a house and other things rather than hotels.
Women like houses and shit. Who knows what boipussy wants. I haven't ventured out there yet.

Find the good in any situation and try to stay positive.

[Anonymous No.11323010]

>>11322888
checker,
Had 80k last jan should have cashed out half and paid off all debts at least, O well still have my stacks

[Anonymous No.11323222]

>>11322740

I looked up my area (chicago) and the only secretary jobs that pay 50k require a master's degree. Everything else is about 15-20 an hour. Anyone can go look up their area I would be surprised if anything showed up for a secretary paying that much without needing ridiculous experience or education.

[Anonymous No.11323291]

>>11322200
>4 posts
>all muh joos

[Anonymous No.11323348]

>>11320156
>anon is on 4chan bragging that his wife was on the casting couch 20 times before she got accepted

[Anonymous No.11323743]

>>11322197
I see, yet it seems everyone posting here lives in those rich neigbourhoods.

>>11322200
>Fucking retarded motherfucker kill all your teachers and your parents for making you so fucking stupid. I HATE PUBLIC SCHOOL AMERICAN RETARDS.
This, I thought the Americans are stupid was just a meme at first

[Anonymous No.11323764]

>>11322740
>>11322632
See
>>11320318
>>11320255
>>11320252

[Anonymous No.11323811]

ITT: ugly NEETs who are upset nobody wants to hire or pay someone autistic

[Anonymous No.11323841]

>>11320057
>Tfw I make 30k a year as a network technician

[Anonymous No.11323886]

>>11323743
a lot of people larp here but a lot of people have money too. I make enough to buy one of those 400k houses and live comfortably, but I don't flaunt it.

[Anonymous No.11323888]

>>11321973
yeah most people do this, but then a lot of them break up or get divorced and end up financially screwed. Not to mention job loss or economic downturns which will happen with 100% certainty during the length of a mortgage.

[Anonymous No.11323891]

>>11322270

How does paying annually change the total expense? You still pay over 4k a year on a 400k house in murrica.

Besides obvious plumbing and electrical issues you will have to replace the roof, hvac, and water heater every 1-2 decades, those will cost you a fuck ton.

Utilities you might be able to get lower. When I said 250 I was also including my overpriced shitty american internet where I pay 60 a month and have no choice of ISP. I also take a lot of showers and use more AC than necessary

[Anonymous No.11323892]

>>11323841
Thats min wage...

[Anonymous No.11323903]

>>11323892

no it's not. federal min wage is 7.25

[Anonymous No.11323924]

>>11323892
Its double minimum wage, but might as well be

[Anonymous No.11323967]

>>11320064
theyre all fucked mate

[Anonymous No.11323974]

>>11323903
Oh, go work at amazon it pays better.

[Anonymous No.11323977]

>>11320147
holy fuck i feel sorry for your bloodline

[Anonymous No.11323996]

>>11320049
>>it's highly recommended you don't exceed 28% of your monthly income for your payment
This is fucking retarded.
It's totally normal to make bigger payments.
28% is nothing

[Anonymous No.11324008]

>>11323996
and that's why we had a crisis in 2008

[Anonymous No.11324010]

>>11323996

Enjoy being house poor

[Anonymous No.11324021]

>>11321236
Seeing what happened in 2001, you have no reason to believe America wouldn't bomb itself too

[Anonymous No.11324042]

>>11321350
Sometimes it stops being funny pretending to be retarded

[Anonymous No.11324087]

>>11320571
>me on the right deciding who gets hired
You’re out tryhard

[Anonymous No.11324305]

Another driver of unaffordability

Who asked for this?

>The McMansionization of the fucking houses.
>The Landspergization of lawnscape
>Whole neighborhoods built by one developer who used 5 floorplans and everything looks the fucking same

Does the economy work for us or do we work for the economy?

Everything is a jacked up piece of shit, we have 20% of the population brought in to buy up all these over inflated mortgages. Chinese bitches having babies, Mexicans growing dope, Indians having their kids practice piano lessons all day long, nobody has time to pick up the trash, dog shit everywhere

[Anonymous No.11324344]

>>11320049
Sure housing is overpriced in some major cities and other downtown areas, but the problem is stagnating wages.

[Anonymous No.11324372]

I would like to see your selection of low-E, cost efficient homes for a reasonable price

>I'm sorry sir, all we have are 4 bedroom family homes with 2 stories and 2 garages in a neighborhood with a covenant for 10x your income

[Anonymous No.11324396]

>>11320156
you do realize she is fucking her boss r-right?

[Anonymous No.11324398]

>>11324344
the problem isnt wages. Its the supply of fucking houses and retarded regulations from shylocks that prevent the construction of affordable single family homes.

Home builders will be lucky if they can even get two digit percentage profits. By the time they get to building a $170k house, they've already dropped $200k on lawyers and planning fees to the localities.

[Anonymous No.11324408]

>>11324398
wanted to add more:

so after their fees, that $170k home is now a $370k home just for a 1300sqft shit box. At least here in upstate NY.

[Anonymous No.11324432]

>>11320064
even if you gain wealth to pass on to kids/family, the inheritance tax is around 50% if i recall. so half your shit gets taken by state and fed so they can continue to bomb niggers/muslims and then invite them in for free gibs and free pusy.

[Anonymous No.11324598]

my boomer dad's home is so expensive (3.4mil) that I wouldn't even be able to afford the property tax if he gave me his home free and clear.

[Anonymous No.11324608]

>>11320049
You think you have it bad.
Homes in my area average out at one million.

[Anonymous No.11324617]

>>11324598
I forgot to mention for 3.4mil, it's a 1500sqft teardown. He's going to spend another $300k remodeling it to 2000sqft.

[Anonymous No.11324622]

>>11324598
sell it and buy a modest home & a rental property to gain passive income.

[Anonymous No.11324646]

>>11323888
That's why you marry the right woman, not some random roastie.

[Anonymous No.11324679]

>>11324622
I'm just making the point of the cost of housing being unaffordable, I can't even afford to pay 1% property taxes for the fucking house. Oh yeah, that's not even counting the fact that he downsized from a 4.3 million dollar house. These are not even mansions, they are modest 1500-2000sqft middle class homes but in the most fucking expensive area of the west coast.

[Anonymous No.11324687]

>>11324646
everyone that ever got divorced in the history of time thought this

[Anonymous No.11324696]

Late stage multiculturalism

[Anonymous No.11324708]

>>11324687
Alternatively you could just fuck dudes if you have no faith in women.

[Anonymous No.11324758]

>>11324708
B O I P U S S Y

[Anonymous No.11324771]

>>11324696
Early stage post-racialism
Mid stage faggotism.
Beginning stage post-whitebitchism.
Continuing stage Americanism

[Anonymous No.11324783]

>>11320186
>entry level job
>5 years experience required


Yeah dude you totally have to bullshit your way through the application process. If you're in uni definitely take advantage of career services and on campus recruiting and you can get around that shit easily.

[Anonymous No.11324787]

>>11322222
HOLY SHIT
THOSE DIGITS

[Anonymous No.11324798]

[Anonymous No.11325138]

tfw mcdonalds pays 21-25 an hour

tfw median house price is basically 1 million

[Anonymous No.11325429]

>live in New Jersey
>home prices are pretty stagnant
>$250k house which is decent size and quality
>8k a year in property taxes

Owning a house in America is literally slavery. At least in New Jersey with the high property taxes.


Where in the U.S are there no property taxes or where it is extremely low?

[Anonymous No.11325469]

>>11322406
I see where you are coming from and housing prices are not a big jewish conspiracy, BUT(!)
They are highly manipulated because of the low interest rates central banks set and subsidised housing + mass immigration (depending on a country).
If interest rates would be at a reasonable level not everyone and their mom would put their money into real estate.

[Anonymous No.11325504]

>>11325429
Unfortunately it is the case in almost every country here in the EU
It means you actually are not able to properly own land, you are always renting from the government
How this is seen as "normal" and everyone is okay with it? I have no fucking idea

[Anonymous No.11325518]

Feels good knowing my parents paid off a $600k house 10 years early with over $2.5m net worth of shit to hand down to me. Unlucky poor fags

[Anonymous No.11325550]

>>11325504
the whole west has been scammed by property tax. This was the reason for the revolution in USA. property tax makes home ownership an impossible mirage. The politicians are the ones to blame directly for eliminating property tax. If there is a global war by the billions against the handful of top politicians, the politicians will be slaughtered

[Anonymous No.11325562]

>>11325550
meant the polticians are the ones to directly blame and hold responsivble for keeping real estate tax in every major country. its a fraud and a scam, you CANT own land or a home, the fucking pig fuck politicians should hang and be marched to the guilliotines

[Anonymous No.11325597]

>>11321278
Ever gone on vacation by yourself and thought "fuck, I don't know anyone here"

[Anonymous No.11325657]

>>11321184
>>11321306
Would you ever consider those ideas are actually correct but evolution doesn't favor those who think about the meaning of humanity (and as bad as it may sound, the lack of reason for it to continue) but rather favors those who mindlessly continue the cycle of survival and reproduction? Although an aberration, it could be based on valid beliefs.

[Anonymous No.11325683]

>>11321710
Don't be quick to discredit eastern philosophy. It's rarely taught or discussed about in the west.

[Anonymous No.11325785]

>>11320337
not worth lying. I lied by accident (filled out the wrong bubble) about 2 years experience in x part of industry. that's what got me cut.

[Anonymous No.11325869]

>>11325429
I know right who gives a fuck about property taxes. Specially at the nice side of town that's kept safe and clean and has nice paved streets probably lined up with trees and grass hedges and regular garbage pickup.

That city major is so nice to do all that for free.

[Anonymous No.11326508]

>>11324305
This. I'd prefer to live in a > 5 story apartment of 1000 sq ft max if the walls and ceilings were completely insulated from the noise of neighbors.

[Anonymous No.11326521]

>>11321965
This! I just rented a house in small town America.
Owner is a realtor who has 42 other houses in this small town all as investment properties.
There needs to be a law for regular people who choose to dwell in a home with rights to purchase after so long because they never are going to live here. I live 1 house away from a relative but the house Im renting is not for sale.

[Anonymous No.11326557]

>>11320156

Lol Im friends with a bunch of doctors. NOT ONE OF THEM pays the front desk girls more than 15/hr to work there.

Lies designed to prop up your original post.

Not many Americans are making more than $50k a year and yet the average home price in the USA is $250k. Regardless of your politics our system is broken and will collapse in less than 4 years, GUARANTEED.

[Anonymous No.11326606]

>>11320049
Congrats anon, you realized how much of a scam the mortgage meme is right now. And people who buy a house in their 20's are retarded.

[Anonymous No.11326618]

Fuck off commie
Dont live in downtown LA then

[Anonymous No.11326630]

>>11320200
>Only a fool wouldn't have kids.
What if I get super annoyed by children, have a desire to travel the world, and feel like kids kinda holds you back from achieving your goals/dreams?

[Anonymous No.11326631]

>>11326557
You sound retarded. See
>>11320318
>>11320255
>>11320252

[Anonymous No.11326664]

>>11323974
https://www.youtube.com/watch?v=tvdyxXhVNRE

Reminder that Bezos runs literal slave plantations.

[Anonymous No.11326683]

>>11320711
Ooh I read that. P good senpai. Though it didn't lead me to the nihilistic hell you're currently in

[Anonymous No.11326713]

Good grief, yall sound like a bunch of broke babies.
Life is hard
boohoo

[Anonymous No.11326719]

>>11322406
Oy vey what a good little goyim we have here

[Anonymous No.11326760]

>>11320147
>2. Why do you want kids other than for your ego? Think it over instead of resorting to muh biology/ muh social norm.
kys already

[Anonymous No.11327140]

>>11320268

Being anti kid is one step along the way of maturing. Being stuck in that stage shows how stunted your personal growth is.

One day you'll learn that life is the only reason for living. Or maybe you won't. Like I fucking care, life is a game and if you want to disqualify yourself then have fun with that.

[Anonymous No.11327263]

>>11320241
>Apply to job online because you can't go there and do it in person.
>9 times out of 10 you will get an email saying "although we found your qualifications to be impressive, we've decide to pursue other candidates blah blah jerk me off fuck you too".
>Or, they will redirect you to a recruiter that you will need to do a bullshit interview with for 30 minutes, and if you don't say any of the keywords they are looking for, you don't even get to talk to anyone in management.
>If you make it to round 2, you talk to some manager that asks you a bunch of stupid, unrelated questions (if you could have a pet, what would you name it?) or some bs.
It just isn't worth it these days. Most of these job postings are required by law so the companies don't get sued. They don't need you. Technology has replaced you.

[Anonymous No.11327279]

>>11327263
You sound like a neckbeard autist with no social skills

[Anonymous No.11327311]

>>11325429
Where the fuck are you finding houses for only 250K in New Jersey? Must be a small apartment or down in one of those shitty towns in south jersey where everyone is socially stuck in 1996. Kek.

[Anonymous No.11327660]

>>11327140
>One day you'll learn that life is the only reason for living.
>life is a game and if you want to disqualify yourself then have fun with that.
what a nihilistic point of view for a "mature" individual, NPC mindset at its finest

[Anonymous No.11327737]

>>11324398
You are generalizing because you live in JY. I'm positive not all US areas are as bad like that and definitely sure (if you ever left your state) it isn't in other places around the world.

Eastern Europe (500 EUR wage / 50.000 EUR apt or 100.000 EUR house )
SEA ( 300 EUR wage / 40.000-100.000 USD apt or 80.000 USD+ house )

Would post the graph(pro tip i wont, you probably seen it anyway if you ever been on biz or pol before) where your wages have been stagnating for several decades, your currency has been devalued to shit all the while your slaving productivity went up. This a global phenomenon anyway.

I've done commercial real estate recently and profit margin after everything was close to 70%. For 20% profit I wouldn't build even build you a shithouse.

[Anonymous No.11327789]

>>11327263
Can confirm this. I also hire good looking young females whenever possible. One of the perks of being a boss is fucking your employees (literally and figuratively)

Other times companies do "show" interviews for the public only to hire somebodies friend that already works there. This is actually one of the most common things and happens not only in the developing world but also the US on a regular basis.

[Anonymous No.11327798]

>>11322455
Why did so few people own their homes back in the 70s when houses were only 1-1.5x median income?

[Anonymous No.11327809]

>>11327789
enjoy #metoo

[Anonymous No.11327820]

>>11327789
This is why I gave up applying. Can't make it if you're a friendless robot. You need to know people to make it.

[Anonymous No.11327840]

>>11322387
Mb desu

[Anonymous No.11327842]

>>11327820
>This is why I gave up applying.
wow, the cringe level on /biz/ is ATH. look into a trade you can specialize in, or go to community college and take the easiest road to a STEM degree. don't give up, ffs.

[Anonymous No.11327869]

>>11320442
Oh no, that’s horrid.

[Anonymous No.11327873]

>>11320255
>ARK solutions
>deluded arkies thinking they can make 50k a year using google calendar

[Anonymous No.11327889]

the jews are buying up all the houses, controlling the market. i bet a small percentage of people own the majority of the housing market

[Anonymous No.11327944]

>>11327889
This. They're circumventing anti-trust laws but we all know they're consolidating all property under the tribe.

>>11327842
Too much competition for jobs even if you technically meet the requirements.

[Anonymous No.11328067]

>>11327798
Well, the jewing of the US started somewhere in the late 1800's and probably reached it's half potential by the 1970's already :)

Anyway, good question. My guess is with high ownership (Eastern Europe is a perfect example), the motivation to slave hard is just not there.

The US is a consumer society on steroids, circumcised and raised like cattle for their 50 year consumerism filled life. Look at Philippines and South Korea, which also practice circumcision and both are consumerist economies, at least since the second half of the 20th century. Both had heavy american influence. Of course the circumcision part might just be a (((coincidence))), but Europe and Japan have economic "problems" because people don't spend enough and save instead, which is also (((peculiar))) since they have low circumcision rates.

[Anonymous No.11328111]

>>11327809
It's non existent in the developing world, not only that but they actually enjoy working and fucking for me, because I'm actually a good boss. Sure I pay minimum wage, but I take them out sometimes to events and give out small cash bonuses therefore they have no desire to leave usually.

Also not the Harvey type of ogre.

[Anonymous No.11328328]

>>11327820
For the good paying jobs yes (US and all over the world actually). I was actually surprised this was common in the US too, but I've experienced it first hand (in the US) and read numerous stories on this phenomenon in the past years.

Recently met somebody working part time (3ish hours a day) in Budapest making 3000 EUR a month. Yes, he knows people. How much is the average salary in Budapest? 1000 EUR? It's definitely much lower in the rest of Hungary, and for part time it's probably more like 300 EUR.

[Anonymous No.11328459]

>>11328067
The circumcision is their way for branding us.

>>11328328
Yeah systems rigged. If jobs applications were a vidya game, it would be an unbalanced piece of shit game like WoW.

[Anonymous No.11328781]

>>11327140
>One day you'll learn that life is the only reason for living.
Feels like a tautology to me. It's like saying, "Existence is the only reason to exist." I've accepted that there doesn't have to be a reason for existence and I'm at peace with that. I only wanted a "purpose" because of my ego.

>>11326683
Don't feel like I'm in hell at all. Excuse me for the wall of text but I see it as important.
Incognito showed me that all the things I assumed I was in control of are actually done unconsciously by the brain, sometimes seconds before you are even aware of it. Essentially it rid me of any beliefs I still had of free will. Afterward, I thought about my identity and realized every aspect of it had either been due to genetics or from environmental influences. I was not responsible for my identity or my beliefs or even my actions (I tend to get negative reactions when I mention the last part due to the social status quo). Since the ego requires an identity to feel special, I realized my ego was an illusion based on false pretenses. So whether or not we have souls that are experiencing consciousness, I realized the soul will not carry identity with it. It would not be a soul but rather an awareness. I am really the consciousness and my identity is just a creation of society that does not really belong to me. I did further research on that and discovered similar ideas in the four noble truths. And since then I've been looking more and more into Buddhism and cognitive science. I'm not alone with these ideas but many people in the west where I live (America) are quick to dismiss them because western ideology is rooted in Descartes "I think, therefore I am." The second "I" is interpreted as the ego. But rather, a more correct statement would be "I think, therefore there is existence."