Why can't young people afford houses?

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Harrison Bergeron
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cowboycwr said:

Harrison Bergeron said:

cowboycwr said:

Harrison Bergeron said:

cowboycwr said:

Harrison Bergeron said:

nein51 said:

cowboycwr said:

nein51 said:

Harrison Bergeron said:

nein51 said:

Still waiting for someone to define affordable on total purchase price and monthly payments.

"Affordable housing" is like "living wage" and "fair trade coffee."

Emotional histrionics for those that don't trust them there numbers and figurin.

Like most everything else, Democrat regulation has caused housing to be unaffordable from "rent control" schemes to kickbacks to Big Labor to climate change hysteria.

Still haven't had one of those arguing there isn't enough affordable housing give me their definition


I would say it is not a simple definition or a simple price point that applies for the whole country. I think it would mean housing in a price point people can afford without cutting everything else, in decent areas, and a reasonable size. No micro homes, no homes that are a reasonable price but in bad areas, no trailer homes, etc.

That's not definable, actionable or measurable. If you want things to change you have to be able to define what you want.

Affordable means "200,000 or less than $1500/mo"

People avoid that because those exist in almost all parts of the country…just not in places people want or in a size they think is big enough.

But we can't even have the conversation if you can't define affordable housing.

Not to beat a dead horse, but the trend continues ... never going to get a LWNJ to answer specific questions, define terms, etc., because it inherently moves the conversation from emotional to intellectual.


I am far from a LWNJ and not the one who started this thread but have agreed with parts of the facts shown here about how homes have become out of reasonable price range for many Americans.

Part of the problem is that when talking real estate there is not a set price that can fit the whole country as a "reasonable" price. I pointed that out but he didn't like that answer. He wanted a set price point for the whole country. But that isn't how real estate works.

The facts show that the average age for first time home buyers has gone up. That should be a concern. Same for several of the other facts that have been presented in this thread.

But what I think is missing is that there is affordable housing - there is just not affordable housing that privileged, young white Gen Z buyers feel is worthy of them. It is not that housing is not affordable - it is the house that the privileged Gen Z buyer feels entitled to is not affordable. There is a difference.


If what you said were true then there would be a large portion of the population buying houses. You know the other generations and the non whites.

And yet that isn't happening.

There is a large percentage of the millennial, and the end of gen x that don't own, have never owned or bought much later in life and it wasn't for the reasons you gave above.

Sorry. Maybe you did not read what I typed.

They are choosing to not buy houses that they feel is beneath their sense of entitlement

That is why they're not buying houses.



Lol. That is not what you typed. You specifically said whites.

But good job at deflecting. What about the other races? The other generations? Where is your proof that your reason is why whites are not buying?

Apologies - I misread your comment. My brain has been a little foggy lately.

The reality is that whites make up the overwhelming amount of home-buyers, so they really dictate the market. They're are plenty of young black and Latino folks buying homes in their old neighborhoods. Just drive through South Dallas and other areas and you'll see young African-Americans and Latinos trying to improve their neighborhoods.

As usual, it is the racist, privileged white Democrat Gen-Zers that are not buying in "poor" neighborhoods and thus foregoing purchasing.
boognish_bear
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Harrison Bergeron
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boognish_bear said:



The need to add the "brown people zone" for the privileged, white democrats so they do not actually have to interact with the people for which they virtue signal.
cowboycwr
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Harrison Bergeron said:

cowboycwr said:

Harrison Bergeron said:

cowboycwr said:

Harrison Bergeron said:

cowboycwr said:

Harrison Bergeron said:

nein51 said:

cowboycwr said:

nein51 said:

Harrison Bergeron said:

nein51 said:

Still waiting for someone to define affordable on total purchase price and monthly payments.

"Affordable housing" is like "living wage" and "fair trade coffee."

Emotional histrionics for those that don't trust them there numbers and figurin.

Like most everything else, Democrat regulation has caused housing to be unaffordable from "rent control" schemes to kickbacks to Big Labor to climate change hysteria.

Still haven't had one of those arguing there isn't enough affordable housing give me their definition


I would say it is not a simple definition or a simple price point that applies for the whole country. I think it would mean housing in a price point people can afford without cutting everything else, in decent areas, and a reasonable size. No micro homes, no homes that are a reasonable price but in bad areas, no trailer homes, etc.

That's not definable, actionable or measurable. If you want things to change you have to be able to define what you want.

Affordable means "200,000 or less than $1500/mo"

People avoid that because those exist in almost all parts of the country…just not in places people want or in a size they think is big enough.

But we can't even have the conversation if you can't define affordable housing.

Not to beat a dead horse, but the trend continues ... never going to get a LWNJ to answer specific questions, define terms, etc., because it inherently moves the conversation from emotional to intellectual.


I am far from a LWNJ and not the one who started this thread but have agreed with parts of the facts shown here about how homes have become out of reasonable price range for many Americans.

Part of the problem is that when talking real estate there is not a set price that can fit the whole country as a "reasonable" price. I pointed that out but he didn't like that answer. He wanted a set price point for the whole country. But that isn't how real estate works.

The facts show that the average age for first time home buyers has gone up. That should be a concern. Same for several of the other facts that have been presented in this thread.

But what I think is missing is that there is affordable housing - there is just not affordable housing that privileged, young white Gen Z buyers feel is worthy of them. It is not that housing is not affordable - it is the house that the privileged Gen Z buyer feels entitled to is not affordable. There is a difference.


If what you said were true then there would be a large portion of the population buying houses. You know the other generations and the non whites.

And yet that isn't happening.

There is a large percentage of the millennial, and the end of gen x that don't own, have never owned or bought much later in life and it wasn't for the reasons you gave above.

Sorry. Maybe you did not read what I typed.

They are choosing to not buy houses that they feel is beneath their sense of entitlement

That is why they're not buying houses.



Lol. That is not what you typed. You specifically said whites.

But good job at deflecting. What about the other races? The other generations? Where is your proof that your reason is why whites are not buying?

Apologies - I misread your comment. My brain has been a little foggy lately.

The reality is that whites make up the overwhelming amount of home-buyers, so they really dictate the market. They're are plenty of young black and Latino folks buying homes in their old neighborhoods. Just drive through South Dallas and other areas and you'll see young African-Americans and Latinos trying to improve their neighborhoods.

As usual, it is the racist, privileged white Democrat Gen-Zers that are not buying in "poor" neighborhoods and thus foregoing purchasing.


More racist remarks from you with no facts.

whiterock
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cowboycwr said:

Harrison Bergeron said:

cowboycwr said:

Harrison Bergeron said:

cowboycwr said:

Harrison Bergeron said:

cowboycwr said:

Harrison Bergeron said:

nein51 said:

cowboycwr said:

nein51 said:

Harrison Bergeron said:

nein51 said:

Still waiting for someone to define affordable on total purchase price and monthly payments.

"Affordable housing" is like "living wage" and "fair trade coffee."

Emotional histrionics for those that don't trust them there numbers and figurin.

Like most everything else, Democrat regulation has caused housing to be unaffordable from "rent control" schemes to kickbacks to Big Labor to climate change hysteria.

Still haven't had one of those arguing there isn't enough affordable housing give me their definition


I would say it is not a simple definition or a simple price point that applies for the whole country. I think it would mean housing in a price point people can afford without cutting everything else, in decent areas, and a reasonable size. No micro homes, no homes that are a reasonable price but in bad areas, no trailer homes, etc.

That's not definable, actionable or measurable. If you want things to change you have to be able to define what you want.

Affordable means "200,000 or less than $1500/mo"

People avoid that because those exist in almost all parts of the country…just not in places people want or in a size they think is big enough.

But we can't even have the conversation if you can't define affordable housing.

Not to beat a dead horse, but the trend continues ... never going to get a LWNJ to answer specific questions, define terms, etc., because it inherently moves the conversation from emotional to intellectual.


I am far from a LWNJ and not the one who started this thread but have agreed with parts of the facts shown here about how homes have become out of reasonable price range for many Americans.

Part of the problem is that when talking real estate there is not a set price that can fit the whole country as a "reasonable" price. I pointed that out but he didn't like that answer. He wanted a set price point for the whole country. But that isn't how real estate works.

The facts show that the average age for first time home buyers has gone up. That should be a concern. Same for several of the other facts that have been presented in this thread.

But what I think is missing is that there is affordable housing - there is just not affordable housing that privileged, young white Gen Z buyers feel is worthy of them. It is not that housing is not affordable - it is the house that the privileged Gen Z buyer feels entitled to is not affordable. There is a difference.


If what you said were true then there would be a large portion of the population buying houses. You know the other generations and the non whites.

And yet that isn't happening.

There is a large percentage of the millennial, and the end of gen x that don't own, have never owned or bought much later in life and it wasn't for the reasons you gave above.

Sorry. Maybe you did not read what I typed.

They are choosing to not buy houses that they feel is beneath their sense of entitlement

That is why they're not buying houses.



Lol. That is not what you typed. You specifically said whites.

But good job at deflecting. What about the other races? The other generations? Where is your proof that your reason is why whites are not buying?

Apologies - I misread your comment. My brain has been a little foggy lately.

The reality is that whites make up the overwhelming amount of home-buyers, so they really dictate the market. They're are plenty of young black and Latino folks buying homes in their old neighborhoods. Just drive through South Dallas and other areas and you'll see young African-Americans and Latinos trying to improve their neighborhoods.

As usual, it is the racist, privileged white Democrat Gen-Zers that are not buying in "poor" neighborhoods and thus foregoing purchasing.


More racist remarks from you with no facts.



LOL said another way: "Your comment made me feel bad so you're a racist."
cowboycwr
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whiterock said:

cowboycwr said:

Harrison Bergeron said:

cowboycwr said:

Harrison Bergeron said:

cowboycwr said:

Harrison Bergeron said:

cowboycwr said:

Harrison Bergeron said:

nein51 said:

cowboycwr said:

nein51 said:

Harrison Bergeron said:

nein51 said:

Still waiting for someone to define affordable on total purchase price and monthly payments.

"Affordable housing" is like "living wage" and "fair trade coffee."

Emotional histrionics for those that don't trust them there numbers and figurin.

Like most everything else, Democrat regulation has caused housing to be unaffordable from "rent control" schemes to kickbacks to Big Labor to climate change hysteria.

Still haven't had one of those arguing there isn't enough affordable housing give me their definition


I would say it is not a simple definition or a simple price point that applies for the whole country. I think it would mean housing in a price point people can afford without cutting everything else, in decent areas, and a reasonable size. No micro homes, no homes that are a reasonable price but in bad areas, no trailer homes, etc.

That's not definable, actionable or measurable. If you want things to change you have to be able to define what you want.

Affordable means "200,000 or less than $1500/mo"

People avoid that because those exist in almost all parts of the country…just not in places people want or in a size they think is big enough.

But we can't even have the conversation if you can't define affordable housing.

Not to beat a dead horse, but the trend continues ... never going to get a LWNJ to answer specific questions, define terms, etc., because it inherently moves the conversation from emotional to intellectual.


I am far from a LWNJ and not the one who started this thread but have agreed with parts of the facts shown here about how homes have become out of reasonable price range for many Americans.

Part of the problem is that when talking real estate there is not a set price that can fit the whole country as a "reasonable" price. I pointed that out but he didn't like that answer. He wanted a set price point for the whole country. But that isn't how real estate works.

The facts show that the average age for first time home buyers has gone up. That should be a concern. Same for several of the other facts that have been presented in this thread.

But what I think is missing is that there is affordable housing - there is just not affordable housing that privileged, young white Gen Z buyers feel is worthy of them. It is not that housing is not affordable - it is the house that the privileged Gen Z buyer feels entitled to is not affordable. There is a difference.


If what you said were true then there would be a large portion of the population buying houses. You know the other generations and the non whites.

And yet that isn't happening.

There is a large percentage of the millennial, and the end of gen x that don't own, have never owned or bought much later in life and it wasn't for the reasons you gave above.

Sorry. Maybe you did not read what I typed.

They are choosing to not buy houses that they feel is beneath their sense of entitlement

That is why they're not buying houses.



Lol. That is not what you typed. You specifically said whites.

But good job at deflecting. What about the other races? The other generations? Where is your proof that your reason is why whites are not buying?

Apologies - I misread your comment. My brain has been a little foggy lately.

The reality is that whites make up the overwhelming amount of home-buyers, so they really dictate the market. They're are plenty of young black and Latino folks buying homes in their old neighborhoods. Just drive through South Dallas and other areas and you'll see young African-Americans and Latinos trying to improve their neighborhoods.

As usual, it is the racist, privileged white Democrat Gen-Zers that are not buying in "poor" neighborhoods and thus foregoing purchasing.


More racist remarks from you with no facts.



LOL said another way: "Your comment made me feel bad so you're a racist."


Nope. Try again. His remark was racist. He said young white gen z. Those were his words.

I simply pointed out that the entire housing market is not bad because of one group and that there are no facts that back that claim up.

Redbrickbear
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whiterock
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cowboycwr said:

whiterock said:

cowboycwr said:

Harrison Bergeron said:

cowboycwr said:

Harrison Bergeron said:

cowboycwr said:

If what you said were true then there would be a large portion of the population buying houses. You know the other generations and the non whites.

And yet that isn't happening.

There is a large percentage of the millennial, and the end of gen x that don't own, have never owned or bought much later in life and it wasn't for the reasons you gave above.

Sorry. Maybe you did not read what I typed.

They are choosing to not buy houses that they feel is beneath their sense of entitlement

That is why they're not buying houses.



Lol. That is not what you typed. You specifically said whites.

But good job at deflecting. What about the other races? The other generations? Where is your proof that your reason is why whites are not buying?

Apologies - I misread your comment. My brain has been a little foggy lately.

The reality is that whites make up the overwhelming amount of home-buyers, so they really dictate the market. They're are plenty of young black and Latino folks buying homes in their old neighborhoods. Just drive through South Dallas and other areas and you'll see young African-Americans and Latinos trying to improve their neighborhoods.

As usual, it is the racist, privileged white Democrat Gen-Zers that are not buying in "poor" neighborhoods and thus foregoing purchasing.


More racist remarks from you with no facts.



LOL said another way: "Your comment made me feel bad so you're a racist."


Nope. Try again. His remark was racist. He said young white gen z. Those were his words.

I simply pointed out that the entire housing market is not bad because of one group and that there are no facts that back that claim up.



identitarianism corrupts reason, in this case preventing you from understanding the simple mathematical concept that 70% demographic in a market will almost always set the trends in that market, no matter what immutable traits that demographic might possess.

Absolutly nothing racist in HBs comment. You played the race card, and recklessly so
whiterock
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Redbrickbear said:



Please explain why boomers are responsible for this pathology, and how their extinction over time will correct it.
Redbrickbear
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whiterock said:

Redbrickbear said:



Please explain why boomers are responsible for this pathology, and how their extinction over time will correct it.


Professor Galloway is arguing that the system is set up to transfer wealth from the young to the old.

I think it it was an interesting point how he thinks this then creates conditions for minor infections/freak outs like Black Lives Matter/#MeToo movement/Ect. to become full blown social pneumonia.

The youth are angry and poor. Looking for social movements they can grap on to that will give them meaning…or just let them rage out
whiterock
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Redbrickbear said:

whiterock said:

Redbrickbear said:



Please explain why boomers are responsible for this pathology, and how their extinction over time will correct it.


Professor Galloway is arguing that the system is set up to transfer wealth from the young to the old.
read that statement again. The patent complaint is that young have no wealth. So how can the system transfer wealth they don't have to the old?

I think it it was an interesting point how he thinks this then creates conditions for minor infections/freak outs like Black Lives Matter/#MeToo movement/Ect. to become full blown social pneumonia.

The youth are angry and poor. Looking for social movements they can grap on to that will give them meaning…or just let them rage out
Indeed, and justifiably so.

The real problem is not that the old stole all the money. It's that the lower rungs on the ladder the old used to climb their way to wealth are now too high and too far apart for most young people to reach. Fix that, and the wealth complaint abates substantially.

One fair complaint against the older generations would be that they indulged in climate change fantasies to the point of vanity, thereby driving up the cost of energy that made everything prohibitively more expensive. Subsidizing significantly more expensive electric cars instead of lowering regulations and energy costs to allow Detroit to make significantly cheaper cars. Repeat that across a range of issues, and.....
boognish_bear
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Redbrickbear said:

whiterock said:

Redbrickbear said:



Please explain why boomers are responsible for this pathology, and how their extinction over time will correct it.


Professor Galloway is arguing that the system is set up to transfer wealth from the young to the old.

I think it it was an interesting point how he thinks this then creates conditions for minor infections/freak outs like Black Lives Matter/#MeToo movement/Ect. to become full blown social pneumonia.

The youth are angry and poor. Looking for social movements they can grap on to that will give them meaning…or just let them rage out


That kind of resonates with this scene...

boognish_bear
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Wrong answer… Try again

nein51
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boognish_bear said:

Wrong answer… Try again



Oh sweet. Another massive housing bust coming.
boognish_bear
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The more we do stuff like this and 50 year mortgages etc...the more we incentivize people to focus on payments more than total cost. Dangerous game for uninformed consumers.
RD2WINAGNBEAR86
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boognish_bear said:

The more we do stuff like this and 50 year mortgages etc...the more we incentivize people to focus on payments more than total cost. Dangerous game for uninformed consumers.

Payday loans and 50 year mortgages. I used to think we can't protect people from themselves. As I have gotten older, I have changed my mind. We should not set people up to fail.
Call it a tax, the people are outraged! Call it a tariff, the people get out their checkbooks and wave their American flags!!!
boognish_bear
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RD2WINAGNBEAR86 said:

boognish_bear said:

The more we do stuff like this and 50 year mortgages etc...the more we incentivize people to focus on payments more than total cost. Dangerous game for uninformed consumers.

Payday loans and 50 year mortgages. I used to think we can't protect people from themselves. As I have gotten older, I have changed my mind. We should not set people up to fail.


Yeah...it's a fine line. It's not true capitalism to try and put guardrails on...but these tactics by lenders also feel predatory.
cowboycwr
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whiterock said:

cowboycwr said:

whiterock said:

cowboycwr said:

Harrison Bergeron said:

cowboycwr said:

Harrison Bergeron said:

cowboycwr said:

If what you said were true then there would be a large portion of the population buying houses. You know the other generations and the non whites.

And yet that isn't happening.

There is a large percentage of the millennial, and the end of gen x that don't own, have never owned or bought much later in life and it wasn't for the reasons you gave above.

Sorry. Maybe you did not read what I typed.

They are choosing to not buy houses that they feel is beneath their sense of entitlement

That is why they're not buying houses.



Lol. That is not what you typed. You specifically said whites.

But good job at deflecting. What about the other races? The other generations? Where is your proof that your reason is why whites are not buying?

Apologies - I misread your comment. My brain has been a little foggy lately.

The reality is that whites make up the overwhelming amount of home-buyers, so they really dictate the market. They're are plenty of young black and Latino folks buying homes in their old neighborhoods. Just drive through South Dallas and other areas and you'll see young African-Americans and Latinos trying to improve their neighborhoods.

As usual, it is the racist, privileged white Democrat Gen-Zers that are not buying in "poor" neighborhoods and thus foregoing purchasing.


More racist remarks from you with no facts.



LOL said another way: "Your comment made me feel bad so you're a racist."


Nope. Try again. His remark was racist. He said young white gen z. Those were his words.

I simply pointed out that the entire housing market is not bad because of one group and that there are no facts that back that claim up.



identitarianism corrupts reason, in this case preventing you from understanding the simple mathematical concept that 70% demographic in a market will almost always set the trends in that market, no matter what immutable traits that demographic might possess.

Absolutly nothing racist in HBs comment. You played the race card, and recklessly so


No he played the race card when he specified white buyers.

He then made a claim with no facts.
ScottS
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cowboycwr said:

whiterock said:

cowboycwr said:

Harrison Bergeron said:

cowboycwr said:

Harrison Bergeron said:

cowboycwr said:

Harrison Bergeron said:

cowboycwr said:

Harrison Bergeron said:

nein51 said:

cowboycwr said:

nein51 said:

Harrison Bergeron said:

nein51 said:

Still waiting for someone to define affordable on total purchase price and monthly payments.

"Affordable housing" is like "living wage" and "fair trade coffee."

Emotional histrionics for those that don't trust them there numbers and figurin.

Like most everything else, Democrat regulation has caused housing to be unaffordable from "rent control" schemes to kickbacks to Big Labor to climate change hysteria.

Still haven't had one of those arguing there isn't enough affordable housing give me their definition


I would say it is not a simple definition or a simple price point that applies for the whole country. I think it would mean housing in a price point people can afford without cutting everything else, in decent areas, and a reasonable size. No micro homes, no homes that are a reasonable price but in bad areas, no trailer homes, etc.

That's not definable, actionable or measurable. If you want things to change you have to be able to define what you want.

Affordable means "200,000 or less than $1500/mo"

People avoid that because those exist in almost all parts of the country…just not in places people want or in a size they think is big enough.

But we can't even have the conversation if you can't define affordable housing.

Not to beat a dead horse, but the trend continues ... never going to get a LWNJ to answer specific questions, define terms, etc., because it inherently moves the conversation from emotional to intellectual.


I am far from a LWNJ and not the one who started this thread but have agreed with parts of the facts shown here about how homes have become out of reasonable price range for many Americans.

Part of the problem is that when talking real estate there is not a set price that can fit the whole country as a "reasonable" price. I pointed that out but he didn't like that answer. He wanted a set price point for the whole country. But that isn't how real estate works.

The facts show that the average age for first time home buyers has gone up. That should be a concern. Same for several of the other facts that have been presented in this thread.

But what I think is missing is that there is affordable housing - there is just not affordable housing that privileged, young white Gen Z buyers feel is worthy of them. It is not that housing is not affordable - it is the house that the privileged Gen Z buyer feels entitled to is not affordable. There is a difference.


If what you said were true then there would be a large portion of the population buying houses. You know the other generations and the non whites.

And yet that isn't happening.

There is a large percentage of the millennial, and the end of gen x that don't own, have never owned or bought much later in life and it wasn't for the reasons you gave above.

Sorry. Maybe you did not read what I typed.

They are choosing to not buy houses that they feel is beneath their sense of entitlement

That is why they're not buying houses.



Lol. That is not what you typed. You specifically said whites.

But good job at deflecting. What about the other races? The other generations? Where is your proof that your reason is why whites are not buying?

Apologies - I misread your comment. My brain has been a little foggy lately.

The reality is that whites make up the overwhelming amount of home-buyers, so they really dictate the market. They're are plenty of young black and Latino folks buying homes in their old neighborhoods. Just drive through South Dallas and other areas and you'll see young African-Americans and Latinos trying to improve their neighborhoods.

As usual, it is the racist, privileged white Democrat Gen-Zers that are not buying in "poor" neighborhoods and thus foregoing purchasing.


More racist remarks from you with no facts.



LOL said another way: "Your comment made me feel bad so you're a racist."


Nope. Try again. His remark was racist. He said young white gen z. Those were his words.

I simply pointed out that the entire housing market is not bad because of one group and that there are no facts that back that claim up.




Maybe RACIAL but not racist.
RD2WINAGNBEAR86
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boognish_bear said:

RD2WINAGNBEAR86 said:

boognish_bear said:

The more we do stuff like this and 50 year mortgages etc...the more we incentivize people to focus on payments more than total cost. Dangerous game for uninformed consumers.

Payday loans and 50 year mortgages. I used to think we can't protect people from themselves. As I have gotten older, I have changed my mind. We should not set people up to fail.


Yeah...it's a fine line. It's not true capitalism to try and put guardrails on...but these tactics by lenders also feel predatory.

Yes. Many lenders are predatory. There are many on Conservative media that tout home equity loans. That target veterans. "We can say yes when others tell you NO."
Call it a tax, the people are outraged! Call it a tariff, the people get out their checkbooks and wave their American flags!!!
Realitybites
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boognish_bear said:

Wrong answer… Try again



Last time they tried this garbage, the GFC was the end result.

In free market capitalism, Fannie and Freddie should not exist.
Realitybites
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boognish_bear said:

RD2WINAGNBEAR86 said:

boognish_bear said:

The more we do stuff like this and 50 year mortgages etc...the more we incentivize people to focus on payments more than total cost. Dangerous game for uninformed consumers.

Payday loans and 50 year mortgages. I used to think we can't protect people from themselves. As I have gotten older, I have changed my mind. We should not set people up to fail.


Yeah...it's a fine line. It's not true capitalism to try and put guardrails on...but these tactics by lenders also feel predatory.


Properly functioning capitalism must have guardrails on it.

Otherwise it will eventually devolve into monopoly, oligopoly, and feudalism.

Unfortunately the guardrails that have been put into place for the past several decades aren't the ones that were needed: trust busting and preventing entities from becoming too big to fail while allowing failed enterprises to go Chapter 7 and reallocate capital. The preservation of the firewall between commercial and investment banking, etc. Instead, they were a bunch of socialist feel good policies focused on the equality of outcome.
nein51
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Realitybites said:

boognish_bear said:

Wrong answer… Try again



Last time they tried this garbage, the GFC was the end result.

In free market capitalism, Fannie and Freddie should not exist.

Are you suggesting that people with terrible credit scores got them because they don't pay their bills and not because of the color of their skin???
whiterock
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ScottS said:

cowboycwr said:

whiterock said:

cowboycwr said:

Harrison Bergeron said:

cowboycwr said:

Harrison Bergeron said:

cowboycwr said:

Harrison Bergeron said:

cowboycwr said:

I am far from a LWNJ and not the one who started this thread but have agreed with parts of the facts shown here about how homes have become out of reasonable price range for many Americans.

Part of the problem is that when talking real estate there is not a set price that can fit the whole country as a "reasonable" price. I pointed that out but he didn't like that answer. He wanted a set price point for the whole country. But that isn't how real estate works.

The facts show that the average age for first time home buyers has gone up. That should be a concern. Same for several of the other facts that have been presented in this thread.

But what I think is missing is that there is affordable housing - there is just not affordable housing that privileged, young white Gen Z buyers feel is worthy of them. It is not that housing is not affordable - it is the house that the privileged Gen Z buyer feels entitled to is not affordable. There is a difference.


If what you said were true then there would be a large portion of the population buying houses. You know the other generations and the non whites.

And yet that isn't happening.

There is a large percentage of the millennial, and the end of gen x that don't own, have never owned or bought much later in life and it wasn't for the reasons you gave above.

Sorry. Maybe you did not read what I typed.

They are choosing to not buy houses that they feel is beneath their sense of entitlement

That is why they're not buying houses.



Lol. That is not what you typed. You specifically said whites.

But good job at deflecting. What about the other races? The other generations? Where is your proof that your reason is why whites are not buying?

Apologies - I misread your comment. My brain has been a little foggy lately.

The reality is that whites make up the overwhelming amount of home-buyers, so they really dictate the market. They're are plenty of young black and Latino folks buying homes in their old neighborhoods. Just drive through South Dallas and other areas and you'll see young African-Americans and Latinos trying to improve their neighborhoods.

As usual, it is the racist, privileged white Democrat Gen-Zers that are not buying in "poor" neighborhoods and thus foregoing purchasing.


More racist remarks from you with no facts.



LOL said another way: "Your comment made me feel bad so you're a racist."


Nope. Try again. His remark was racist. He said young white gen z. Those were his words.

I simply pointed out that the entire housing market is not bad because of one group and that there are no facts that back that claim up.




Maybe RACIAL but not racist.

calling demographic realities racist does not change demographic realities. But it does distract from an otherwise weak arguing position. That's why LWNJs throw the "r" word around so often..
quash
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Wangchung said:

Top of the search results.
https://www.washingtonexaminer.com/politics/fact-check-immigration-increase-housing-costs


Housing costs are more than ownership, which is the topic here.
High demand for rentals provides a market for low priced home ownership. ****ing around with regulation of rental properties and imported lumber is how you artificially inflate housing costs.

Too Party strikes again
“Life, liberty, and property do not exist because men have made laws. On the contrary, it was the fact that life, liberty, and property existed beforehand that caused men to make laws in the first place.” (The Law, p.6) Frederic Bastiat
cowboycwr
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ScottS said:

cowboycwr said:

whiterock said:

cowboycwr said:

Harrison Bergeron said:

cowboycwr said:

Harrison Bergeron said:

cowboycwr said:

Harrison Bergeron said:

cowboycwr said:

Harrison Bergeron said:

nein51 said:

cowboycwr said:

nein51 said:

Harrison Bergeron said:

nein51 said:

Still waiting for someone to define affordable on total purchase price and monthly payments.

"Affordable housing" is like "living wage" and "fair trade coffee."

Emotional histrionics for those that don't trust them there numbers and figurin.

Like most everything else, Democrat regulation has caused housing to be unaffordable from "rent control" schemes to kickbacks to Big Labor to climate change hysteria.

Still haven't had one of those arguing there isn't enough affordable housing give me their definition


I would say it is not a simple definition or a simple price point that applies for the whole country. I think it would mean housing in a price point people can afford without cutting everything else, in decent areas, and a reasonable size. No micro homes, no homes that are a reasonable price but in bad areas, no trailer homes, etc.

That's not definable, actionable or measurable. If you want things to change you have to be able to define what you want.

Affordable means "200,000 or less than $1500/mo"

People avoid that because those exist in almost all parts of the country…just not in places people want or in a size they think is big enough.

But we can't even have the conversation if you can't define affordable housing.

Not to beat a dead horse, but the trend continues ... never going to get a LWNJ to answer specific questions, define terms, etc., because it inherently moves the conversation from emotional to intellectual.


I am far from a LWNJ and not the one who started this thread but have agreed with parts of the facts shown here about how homes have become out of reasonable price range for many Americans.

Part of the problem is that when talking real estate there is not a set price that can fit the whole country as a "reasonable" price. I pointed that out but he didn't like that answer. He wanted a set price point for the whole country. But that isn't how real estate works.

The facts show that the average age for first time home buyers has gone up. That should be a concern. Same for several of the other facts that have been presented in this thread.

But what I think is missing is that there is affordable housing - there is just not affordable housing that privileged, young white Gen Z buyers feel is worthy of them. It is not that housing is not affordable - it is the house that the privileged Gen Z buyer feels entitled to is not affordable. There is a difference.


If what you said were true then there would be a large portion of the population buying houses. You know the other generations and the non whites.

And yet that isn't happening.

There is a large percentage of the millennial, and the end of gen x that don't own, have never owned or bought much later in life and it wasn't for the reasons you gave above.

Sorry. Maybe you did not read what I typed.

They are choosing to not buy houses that they feel is beneath their sense of entitlement

That is why they're not buying houses.



Lol. That is not what you typed. You specifically said whites.

But good job at deflecting. What about the other races? The other generations? Where is your proof that your reason is why whites are not buying?

Apologies - I misread your comment. My brain has been a little foggy lately.

The reality is that whites make up the overwhelming amount of home-buyers, so they really dictate the market. They're are plenty of young black and Latino folks buying homes in their old neighborhoods. Just drive through South Dallas and other areas and you'll see young African-Americans and Latinos trying to improve their neighborhoods.

As usual, it is the racist, privileged white Democrat Gen-Zers that are not buying in "poor" neighborhoods and thus foregoing purchasing.


More racist remarks from you with no facts.



LOL said another way: "Your comment made me feel bad so you're a racist."


Nope. Try again. His remark was racist. He said young white gen z. Those were his words.

I simply pointed out that the entire housing market is not bad because of one group and that there are no facts that back that claim up.




Maybe RACIAL but not racist.


No it was racist and not factual.

He said that basically only whites are not buying houses (which is false) and that they are not buying because they don't want to live near minorities (racist)
cowboycwr
How long do you want to ignore this user?
whiterock said:

ScottS said:

cowboycwr said:

whiterock said:

cowboycwr said:

Harrison Bergeron said:

cowboycwr said:

Harrison Bergeron said:

cowboycwr said:

Harrison Bergeron said:

cowboycwr said:

I am far from a LWNJ and not the one who started this thread but have agreed with parts of the facts shown here about how homes have become out of reasonable price range for many Americans.

Part of the problem is that when talking real estate there is not a set price that can fit the whole country as a "reasonable" price. I pointed that out but he didn't like that answer. He wanted a set price point for the whole country. But that isn't how real estate works.

The facts show that the average age for first time home buyers has gone up. That should be a concern. Same for several of the other facts that have been presented in this thread.

But what I think is missing is that there is affordable housing - there is just not affordable housing that privileged, young white Gen Z buyers feel is worthy of them. It is not that housing is not affordable - it is the house that the privileged Gen Z buyer feels entitled to is not affordable. There is a difference.


If what you said were true then there would be a large portion of the population buying houses. You know the other generations and the non whites.

And yet that isn't happening.

There is a large percentage of the millennial, and the end of gen x that don't own, have never owned or bought much later in life and it wasn't for the reasons you gave above.

Sorry. Maybe you did not read what I typed.

They are choosing to not buy houses that they feel is beneath their sense of entitlement

That is why they're not buying houses.



Lol. That is not what you typed. You specifically said whites.

But good job at deflecting. What about the other races? The other generations? Where is your proof that your reason is why whites are not buying?

Apologies - I misread your comment. My brain has been a little foggy lately.

The reality is that whites make up the overwhelming amount of home-buyers, so they really dictate the market. They're are plenty of young black and Latino folks buying homes in their old neighborhoods. Just drive through South Dallas and other areas and you'll see young African-Americans and Latinos trying to improve their neighborhoods.

As usual, it is the racist, privileged white Democrat Gen-Zers that are not buying in "poor" neighborhoods and thus foregoing purchasing.


More racist remarks from you with no facts.



LOL said another way: "Your comment made me feel bad so you're a racist."


Nope. Try again. His remark was racist. He said young white gen z. Those were his words.

I simply pointed out that the entire housing market is not bad because of one group and that there are no facts that back that claim up.




Maybe RACIAL but not racist.

calling demographic realities racist does not change demographic realities. But it does distract from an otherwise weak arguing position. That's why LWNJs throw the "r" word around so often..


I am not a LWNJ. In fact if you paid attention I am far from that.

But saying that people don't buy houses because they might have to live near minorities is absolutely racist. Maybe not by you but is a racist reason someone doesn't want to buy a house.

And to claim the housing market is struggling because democrats are racist (which I would agree with and have often called them out on numerous times like their "blacks can't get IDs) arguments ) is not factual and ignores the fact that the housing market is struggling by people from both parties not buying and not buying in all areas not just bad areas.
Redbrickbear
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KaiBear
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Redbrickbear said:




Doubt it's anywhere near that high
RD2WINAGNBEAR86
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KaiBear said:

Redbrickbear said:




Doubt it's anywhere near that high

I agree with you here. I am skeptical.
Call it a tax, the people are outraged! Call it a tariff, the people get out their checkbooks and wave their American flags!!!
whiterock
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cowboycwr said:

whiterock said:

ScottS said:

cowboycwr said:

whiterock said:

cowboycwr said:

Harrison Bergeron said:

cowboycwr said:

Harrison Bergeron said:

cowboycwr said:

Harrison Bergeron said:

cowboycwr said:

I am far from a LWNJ and not the one who started this thread but have agreed with parts of the facts shown here about how homes have become out of reasonable price range for many Americans.

Part of the problem is that when talking real estate there is not a set price that can fit the whole country as a "reasonable" price. I pointed that out but he didn't like that answer. He wanted a set price point for the whole country. But that isn't how real estate works.

The facts show that the average age for first time home buyers has gone up. That should be a concern. Same for several of the other facts that have been presented in this thread.

But what I think is missing is that there is affordable housing - there is just not affordable housing that privileged, young white Gen Z buyers feel is worthy of them. It is not that housing is not affordable - it is the house that the privileged Gen Z buyer feels entitled to is not affordable. There is a difference.


If what you said were true then there would be a large portion of the population buying houses. You know the other generations and the non whites.

And yet that isn't happening.

There is a large percentage of the millennial, and the end of gen x that don't own, have never owned or bought much later in life and it wasn't for the reasons you gave above.

Sorry. Maybe you did not read what I typed.

They are choosing to not buy houses that they feel is beneath their sense of entitlement

That is why they're not buying houses.



Lol. That is not what you typed. You specifically said whites.

But good job at deflecting. What about the other races? The other generations? Where is your proof that your reason is why whites are not buying?

Apologies - I misread your comment. My brain has been a little foggy lately.

The reality is that whites make up the overwhelming amount of home-buyers, so they really dictate the market. They're are plenty of young black and Latino folks buying homes in their old neighborhoods. Just drive through South Dallas and other areas and you'll see young African-Americans and Latinos trying to improve their neighborhoods.

As usual, it is the racist, privileged white Democrat Gen-Zers that are not buying in "poor" neighborhoods and thus foregoing purchasing.


More racist remarks from you with no facts.



LOL said another way: "Your comment made me feel bad so you're a racist."


Nope. Try again. His remark was racist. He said young white gen z. Those were his words.

I simply pointed out that the entire housing market is not bad because of one group and that there are no facts that back that claim up.




Maybe RACIAL but not racist.

calling demographic realities racist does not change demographic realities. But it does distract from an otherwise weak arguing position. That's why LWNJs throw the "r" word around so often..


I am not a LWNJ. In fact if you paid attention I am far from that.

But saying that people don't buy houses because they might have to live near minorities is absolutely racist. Maybe not by you but is a racist reason someone doesn't want to buy a house.

And to claim the housing market is struggling because democrats are racist (which I would agree with and have often called them out on numerous times like their "blacks can't get IDs) arguments ) is not factual and ignores the fact that the housing market is struggling by people from both parties not buying and not buying in all areas not just bad areas.

LOL.....read the bolded parts of his post again. It's not a racist comment. It's just a fact. We area +60% of the population, ergo mathematically the driving force in the market.
Realitybites
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nein51 said:

Realitybites said:

boognish_bear said:

Wrong answer… Try again



Last time they tried this garbage, the GFC was the end result.

In free market capitalism, Fannie and Freddie should not exist.

Are you suggesting that people with terrible credit scores got them because they don't pay their bills and not because of the color of their skin???


Well, I'm not actually "suggesting" it.

I'm declaring it right out in the open

And what's more, due to leftist pressure from government, such people received loans they otherwise would not qualify which laid the foundation for the GFC.
nein51
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Realitybites said:

nein51 said:

Realitybites said:

boognish_bear said:

Wrong answer… Try again



Last time they tried this garbage, the GFC was the end result.

In free market capitalism, Fannie and Freddie should not exist.

Are you suggesting that people with terrible credit scores got them because they don't pay their bills and not because of the color of their skin???


Well, I'm not actually "suggesting" it.

I'm declaring it right out in the open.

What hilarious is that credit scores ARE equitable. They are an algorithm based length of credit, on time payment and debt. Race is not the art of the algorithm. Anyone can have a great credit score.
cowboycwr
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whiterock said:

cowboycwr said:

whiterock said:

ScottS said:

cowboycwr said:

whiterock said:

cowboycwr said:

Harrison Bergeron said:

cowboycwr said:

Harrison Bergeron said:

cowboycwr said:

Harrison Bergeron said:

cowboycwr said:

I am far from a LWNJ and not the one who started this thread but have agreed with parts of the facts shown here about how homes have become out of reasonable price range for many Americans.

Part of the problem is that when talking real estate there is not a set price that can fit the whole country as a "reasonable" price. I pointed that out but he didn't like that answer. He wanted a set price point for the whole country. But that isn't how real estate works.

The facts show that the average age for first time home buyers has gone up. That should be a concern. Same for several of the other facts that have been presented in this thread.

But what I think is missing is that there is affordable housing - there is just not affordable housing that privileged, young white Gen Z buyers feel is worthy of them. It is not that housing is not affordable - it is the house that the privileged Gen Z buyer feels entitled to is not affordable. There is a difference.


If what you said were true then there would be a large portion of the population buying houses. You know the other generations and the non whites.

And yet that isn't happening.

There is a large percentage of the millennial, and the end of gen x that don't own, have never owned or bought much later in life and it wasn't for the reasons you gave above.

Sorry. Maybe you did not read what I typed.

They are choosing to not buy houses that they feel is beneath their sense of entitlement

That is why they're not buying houses.



Lol. That is not what you typed. You specifically said whites.

But good job at deflecting. What about the other races? The other generations? Where is your proof that your reason is why whites are not buying?

Apologies - I misread your comment. My brain has been a little foggy lately.

The reality is that whites make up the overwhelming amount of home-buyers, so they really dictate the market. They're are plenty of young black and Latino folks buying homes in their old neighborhoods. Just drive through South Dallas and other areas and you'll see young African-Americans and Latinos trying to improve their neighborhoods.

As usual, it is the racist, privileged white Democrat Gen-Zers that are not buying in "poor" neighborhoods and thus foregoing purchasing.


More racist remarks from you with no facts.



LOL said another way: "Your comment made me feel bad so you're a racist."


Nope. Try again. His remark was racist. He said young white gen z. Those were his words.

I simply pointed out that the entire housing market is not bad because of one group and that there are no facts that back that claim up.




Maybe RACIAL but not racist.

calling demographic realities racist does not change demographic realities. But it does distract from an otherwise weak arguing position. That's why LWNJs throw the "r" word around so often..


I am not a LWNJ. In fact if you paid attention I am far from that.

But saying that people don't buy houses because they might have to live near minorities is absolutely racist. Maybe not by you but is a racist reason someone doesn't want to buy a house.

And to claim the housing market is struggling because democrats are racist (which I would agree with and have often called them out on numerous times like their "blacks can't get IDs) arguments ) is not factual and ignores the fact that the housing market is struggling by people from both parties not buying and not buying in all areas not just bad areas.

LOL.....read the bolded parts of his post again. It's not a racist comment. It's just a fact. We area +60% of the population, ergo mathematically the driving force in the market.



Read his post again and think for a second.

He is saying that those 60% of the market are not buying at all. Anywhere. But then highlights they are not buying in specific areas because they don't want to live next to minorities.

He even goes a step further to narrow it down to say Dems aren't buying.

So follow his logic. White Dems (which would not be 60% of the buyers) are not buying at all, anywhere. And yet somehow that 30% or so of the market (according to his narrowly set limits) is causing the market to be bad???


Redbrickbear
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