Homeowner association

they suck.
used to live in a condo. you pay more because they claim they will plow and shovel the snow, but the mexicans they hire at 3 dollars an hour show up about 6 hours after i already did it myself because i have a job. but i still have to pay. so i got zero benefits but when i wanted to put in a satellite dish, they bitched and moaned that it would make my place look different. you cant have a window AC unit. when the gutters were fucked up it was over a year where they ignored my requests to send someone, finally got someone private to come do it. sent them the bill, had to fight them on it forever. dont even remember how it turned out. but i wouldnt recommend it for basically anyone. altho, there werent any black people there. maybe like... 1 indian. and 1 or 2 chinese. but probably 50 white families.

My nigger neighbors installed a chicken coop with about 6 chickens and two roosters in their back yard near my bedroom window.

The HOA shut that shit down within a week.

Anyone who is anti HOA is a nigger who wants to trash up their neighborhood.

I was of the opinion what and said. They are more exclusive and involved communities which makes them a crypto white state. Getting mixed responses in this thread, but they seem to do a decent job of providing a decent environment. Are there alternatives?

Nothing is allowed to be pro white

If niggers move into your neighborhood it is illegal to “motivate” them to leave. You need a HOA to do it.

The boomer dictators on a huge power trip will make your life hell but it gatekeeps out the niggers and undesirable neighbors.

The alternative is just to live in a white neighbourhood without HOA. There is nothing the HOA really does to protect the neighbourhood from niggers. It is just another way to be told how to live your life on your own property

>Redpill a non-American on HOAs
same
Are the people who live in the red encased zone more /based/ than the rest in that neighborhood?

Attached: 1560607382754.jpg (500x331, 123K)

No nigger can abide HOA rules.

Those are the safest homes in the area. The niggers have to walk right by so many other opportunities. You simply have to know shit like this for survival.

A low key HOA isn't a big deal, where they pay for the gardener level stuff for a condo complex etc. The issues start when the busy body like border member start to power trip over the HOA rules.
>buddy has a rental condo
>out of state people park a 5 year old Audi
>it doesn't have CA tags so random HOA board member starts to fine them
>car looked nicer than 3/4 the other cars in the lot.
technically it's not legally CA tagged/registered but the HOA rule is really looking to just stop busted up non-running cars. This was different but HOA being HOA they are all muh rules, time to power trip!!

HOA also get turned over to national companies or are part of an area development deal, so both can go under and everyone gets screwed. HOA can also impose higher costs if some random issue is $$$$$$$$$$.
They should be a low key no big deal keep your place looking nice issue, but they have turned into something a bit ugly.
I'm very happy I live in a nice older area who has a volunteer based HOA.
>they waste money on paying for police patrol
>on a 1,800 home open street area of town
>no gate, no wall, no fence, it's pointless to pay for security to drive around
>it's a near 90% white area of town
>average education is over a college degree
>hurrr we need securaaaaty at 3pm on a Tuesday to drive this 100% safe since 1950s area of town.

The house probably costs more since it is more secluded but that’s about it.
Most neighbourhoods do not resemble this

Believe me. I live in central Texas which isn’t white anymore and if not for the HOA there would be burning oil drums and cars on cinder blocks everywhere in addition to drunk niggers and spics destroying what little property value is left.

It's a scam. Under the guise of property value upkeep. It's just a shitty labor union type thing where you pay your dues and don't get anything in return

Come on bro you know that's not true. Everyone's property value goes down if someone else's house looks messy because of the sameness of suburbs. They force everyone's house to look the same or similar which is naturally a socialist position.

Fuck you.
I'm not helping pay for a new roof on the 'community clubhouse' that I don't even use, and i'll leave my garage door open if I want to.

They manage the community areas (pools, tennis courts, landscaping at entrance), maintain community standards (helps with property values), and manage the security guards at the gate. Where I grew up none of that is necessary, but it is here in California. I would never buy a home without an HOA in this state.

As a homeowner in a suburban neighborhood the red pill I leave you all with is try to buy land instead of living in a neighborhood. That way you never have to see your neighbors acting like niggers and lowering property values.

I've always managed to stay out from under the yoke of one, but have had many friends and neighbors. HOAs end up being run by the neighborhood wine aunt and end up as nothing but harpy cuntism.

If you're a useless piece of shit that commutes 4 hours a day to shuffle papers across a desk, they're perfect for you. If you're human being with any sense of autonomy, self or personal pride... they're cancer.

Literally the NPC of living.

small ass fucking roads.
Anyways, Whats the best city to buy a house in canada? Im thinking of alberta

>Are there alternatives?

You have to live in an area that is so damn costly that trash can't afford to move in, even if they stack up 3+ families into one house. Either that or live in small town USA where everyone knows each other and in theory isn't shitty to each other as much.

Depends on the HOA.

Mine is nice, I got a complaint letters and threats of fine once or twice for leaving some junk in a visible place once but I just move it and they don’t fine me.

It’s a nice condo community the HOA has deal with cable company so TV is included in HOA fee.

HOA aboard budgets well a big storm did some roof damage they covered it no problems, they did repacking once, they fixed a screwed up water valve to my unit...

HOA president is a nice guy.

But I’ve heard some HOA horror stories. My friend was in a long HOA battle over the the type of flowers he planted in his yard. It looked really nice but HOA said the plant wasn’t approved by them and harassed him over it, he eventually won the battle.

Informative.

Certainly seems to be one side of it.

Sounds like a decent deal on paper. I think the power structure is what fucks it up, it should be decentralized and short-term rotational to prevent corruption. It's starting to sounds like I'm proposing a democratic solution, but this is different as people vote on things that affect them, as opposed to mainstream government where 1 vote goes as a blank cheque to a party with many policies which may, or may not affect you.

There is some good in forcing people to do stuff even if they don't like it. Like said. I'm not saying be tyrannical or nonsensical about it, but people should be held to standards.

>Either that or live in small town USA where everyone knows each other and in theory isn't shitty to each other as much.

Seems the only realistic thing.

bullshit no fun police who dont let people do what they want to their own homes, for example like you cant have more than two flags in one neighborhood for some fucking reason.

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>and i'll leave my garage door open if I want to

No, you will clean out your garage and park your car inside it, being you're not allowed to park in over night in your drive way for more than 3 days at a time.
Unless it's a pickup truck, then you can't park that in the driveway at all unless it has a camper shell on the back. As open beds are not allowed to be parked over night.
>yes, those are real HOA rules in some areas around me

i don't love dem HOAs

Give away you property rights, be taxed/fee
>have to ask permission. For changing a light

They are gay, you literally have to fuck you home to make it worth anything or else you just paying gibs for other peoples homes.

It's corporations. Remind your next communist about this.

Mostly this. I live in one. My dues are about $60 every three months. For that there are several community tennis courts pools, and landscaping of common areas (no basketball courts - which should answer the pro-white part). There are a few annoying rules: you can't install a back yard shed without at least two of your immediate neightbors approving (never been an issue and we all have them). I'm pretty sure there are rules about what colors you can paint your exterior (read: no bright neon pink faggotry). Things like that.
It's not even a nuisance if you're a sane person, just rules to make it so niggers can be punished for not maintaining their house, yard, littering, blasting rap at 3AM, etc. This is why we have no niggers in my area and property values are high.

HOAs are a good thing. Prevents your asshole neighbor from painting his house camo and OD green.

Basically; when a developer builds a subdivision, the local government requires him to draft a document stating rules and regulations for subdivision also describing the management over these rules (hoa). When you buy a home in that subdivision your closing attorney gives you a copy. The restrictive covenants (its real name) has an expiration date far into the future. When the subdivision’s restrictive covenants expire, the rules reverts to the local government zoning codes.

>prevents based freedom
Why live?

The solution to that is to sneak up on the board members and put flags on their property when they're asleep.

if we lived in a society that was libertarian enough that business owners had the same rights as home owners (i.e. if they could decide who is and isn't allowed in their business) then white-only HOAs would be a thing. They would eventually expand and evolve into an ethno-state.

Hoa are from liberal scum to be nosy faggits at each other

It's literally NIMBYs who want to spend all their time in your back yard.

Sounds like you should address the influx of niggers and spics before you start curtailing the rights of property owners.

Just sayin'

I am exempt from the one in my neighborhood. There are 62 houses in my development and my family was the first to move in. When we moved in it was our house down one street, the model home down another, and 60 dirt plots.
The HOA got started when another 20-30 families moved in the following season. We refused to sign and join. We moved in when it wasn't a concept of the development and just didn't join and since we lived there before they made that shit up there was nothing they could do. That was 22 years ago. My mom passed away years ago and I tend the land. They try to get me to join it literally every 3 months. I just don't respond. They've tried to come to my house personally and strongarm me into joining. They started sending fines like I already was a member. I just ignore all of it.

They literally have no power of my land as is and I won't get in their organization just so they can fuck with me. My house looks nicer than theirs year round. My brother landscapes so my yard always look immaculate. They actually tried to ask me to get him to plow the neighborhood one year. I did it, then sent them the bill for it.
They were pissed. But they paid.

Is HOA the ones sending people in jail because they can't keep their lawns green in middle of dessert while water is rationed?

It's passive resistance. I agree it's not the ethnostate solution we all want, but how many forms of legal segregation do you have left?

they are a group of powerless men/women seeking low level positions of authority to inflate their minuscule egos using the guise of "creating a more beautiful homestead"

They are the ones to get the bank that still owns your mortgage to void your mortgage and kick you out onto the street. Doesn't matter if you are $10 away from paying it all off and being a landowner, get out.

>Mine is nice, I got a complaint letters and threats of fine once or twice for leaving some junk in a visible place once but I just move it and they don’t fine me.

yea, no. i would never be threatened by some commie marxist (((contract))) after i paid for my property..ewww

Attached: 1521245722.jpg (480x360, 62K)

And Jews too. I remember 25+ years ago, the Dems tried to smear a Rep candidate by pointing out that the HOA covenants in his old-town neighborhood prohibited owners from selling to jews. The HOA just never bothered to remove them because they were made invalid by federal laws.

You run into this shit with regular local government as well. I run a business and have to deal with local bureaucracy all the fucking time. You'd be amazed how corrupt people get after they gain the slightest bit of power and authority.

This is what peak American performance looks like.

nice

Attached: 1493432921230.png (1313x1248, 251K)

>city

none of them. anywhere not a city should be fine

The fuckers tried to force me to fill my in ground pool in... after it was fully built and filled. It took 2 seasons to do it, there is no way they didn't know instantly I was doing it.
One of the dudes was watching my yard from his backyard with binocs once, I called the cops on a "peeping tom."
Then when I found him snooping around my back fence (which is bounded by forestry so he had to go into the forest for a while and doubleback to find my land) I walked up to him with my 870 and told him if I catch him snooping around my land he won't be collecting HOA fines, his wife will be collecting burial service donations.

The entire time this was going on, for years, we were getting niggers breaking into cars. For years, with no arrests.

They’re set up because Mexicans are alive and keep car parts and garbage all over their lawns so whites need hoa to maintain a decent standard of living in their neighbourhoods

the even worse part is even if you bought a house for that amount the HOA fees are basically as high as paying rent. I know someone who lives in Malibu bought their house for 70k in the 80s and now pays $700 in HOA fees. His house is worth over 1 million dollars though but then again. Isn't it fucked up you own a nice house all paid off and still basically pay $700 in rent? And if you add utilities and all the upkeep you're back at $1000 per month just for owning a house. It's a fucking ponzi scheme I tell ya.

>implying you ever own it
try not paying property tax and see if you still own it

Average salary in SV is $120-160k per year, not month
Cost of living is astronomical as well, like $5k/month for an apartment. So you're really making $80k a year (before taxes) unless living with roomates/girl and let's face it, no girl you meet in SV can contribute financially so it will be you paying while she teaches a bullshit yoga class or something

After taxes you're left with $50-60k. So you effectively make what a garbageman makes in a city like Chicago except you live in SV working for Faceberg.

end property taxes. taxes on the land means you are just renting it from the government. make having a will required to own land so if the owner dies the future of the land isn't up for jewish legal battles.

No millennial wants to buy a 5000 sq ft home with 30k/yr property taxes.

NOPE

$500,900
yearly HOA Fee: $3,500
Property Taxes: $9,000

redfin.com/NJ/Lakewood-Township/184-Enclave-Blvd-08701/home/37119783

B-b-but the bank says they'll give me a mortgage up to 4 times my gross annual income! Which is less than half of the median house price in my state! Everything's fine, my boomer parents said so!

that's just a temporary shelter you pay rent to bank (loan) and govt (property tax)
when will sharts realize that they are all temporarily sheltered homeless?

Or in other words, if they can demand payment from you every year for the right to "own" something, you dont own it, you are paying rent. Property tax = land rent. As in RENT as in YOU DO NOT OWN IT. Property tax abolishes the ability to own property.

I live in a lakefront house in maine. 1500 square foot house kinda sucks but I have an acre with 130ft of waterfront looks a lot like op pic

5300 a year in property taxes on a property assessed at 300.k. it's fuckin ridiculous. No services at all. Private road, private wells, private septic, garbage is you taking your trash to the transfer station once a week for a 40 a year dump pass. Most of the money goes to the local shithole school district, the rest is wasted in town beauracracy

It's a joke. Fuck property taxes.

rural houses are basically free in Japan

the downward pressure on pricing over the long term is massively negative - short short short except for the few centers if commerce

you can buy incredible 2 story craftsman houses in Iowa for 50K
same house in SF 3.5 million

that’s what the future looks like massive value disparity - it’s why they’re flooding us with brown dwarves to try and inject flesh into the ponzi

This is intentional. Keep home prices rising, and real incomes falling, then individual homes become unaffordable for new buyers. The best they can manage is group homes with unrelated individuals living together (i.e, McBarracks). Then as home prices rise, the property tax rate grows proportionally. Eventually property taxes, combined with dropping real incomes, cannot be paid. Foreclosure and confiscation of the property is the result. Newly homeless must now move into group homes

Group quarters (e.g., barracks, prisons, slave hovels) are perfect for monitoring a population.

>own a piece of property
>have to pay the government rent for it

why are (((property taxes))) allowed?

Just build a church on the land.

1400/month for a 1 bedroom shitbox
+ electricity+utilities+internet=$1650

I make $1800 after tax for a standard 40hr 2 weeks

That means I can barely save 18k/year if I really tighten my belt and barely spend on anything.

Yeah the housing is cheap but the city will tax you up the ass and issue a lot of bullshit citations so the city can get a stable income.

I bet you that the tax assessors don't pay taxes on their homes. There is a massive conspiracy from those types against real workers. Pencil-pushers with busywork jobs create no wealth or jobs, they just help Jakob take your savings

*turn on the news* "Americans are so dumb; you're all so dumb for not saving money. Why are you so dumb, goys?" "Next up: why taxes aren't high enough and if we just raise them a bit more we'll all be fartin' through silk part 579!"

70% of millennials regret buying their homes:
cnbc.com/2018/07/18/most-millennials-regret-buying-home.html

44 percent of Americans have regrets about their current home
cnbc.com/2017/07/14/almost-half-of-americans-have-buyers-remorse-about-their-house.html

Their (((masters))) won't allow to have houses which last, as it is bad for (((their))) industry. I mean literally, yesterday I was told by a burger here that their building code requires to fill all the holes in the ceramic blocks with grout and steel reinforcement, eliminating the warm ceramic as a viable idea

So the best choice they have is aerated concrete

That is also the reason why building codes and HOAs forbid you to plant food instead of fucking grass
Under no circumstance do they want you to really settle in and build a home for generations. Also why they have a culture of throuwing the child at at 18 to "stand on their own" aka spend money on living in a own flat etc.

in Nassau regular size houses can hit up to $30K in property tax per year.

lot of these high tax states have kept the assessed value artificially low and allowed extremely high tax rates because of it. Then when a new assessment comes in, people get fucked. Just like Jersey City, which I honestly don't feel too bad about because people were paying $2,000 on 5 million dollar homes

nj.com/hudson/index.ssf/2018/02/jersey_city_divided_as_new_tax_assessments_finally.html

$$$ is everything in Long Island. How can one think $12,000 - $24,000 a year in property tax on a 1/4 acre property is sane? That's as much as rent, the county is your landlord. You never truly own the property.

Property taxes make a lie of absolute ownership. You may be making a token payment to the Government, but they own your shit if you don't pay it. Therefore you don't
the fact that if you miss a tax payment they get your land.

As someone who owns a house I’ll say that the people suggesting that “buying is always the right idea” are retarded. The first half of a 30 year loan is basically all interest, so it’s really no different than throwing money away in rent.

Property taxes were made so only banks could afford to buy all the real estate. They can easily write it off as a tax deduction

As a homeowner in Texas (Galveston County) below are how my property taxes are broken down as a % of my house's assessed value

In my area, you can file a homestead exception which effectively lowers the amount you pay in taxes by ~0.5% or so (rough estimate)

>County Tax: 1300
>Road and Flood: 200
>City: 1200
>School District: 2,000

2k to a school district that keeps issuing insane bonds to build world-class football stadiums (voted on by parents who think their retarded kid will become a pro football player) and employs thousands of welfare leeches that get a pension and full benefits and get 3 months off a year paid.

When my city got a Jew mayor my property takes went from 8k a year to 22k a year. These fuckers are theives
It was Austin. I got the fuck out. It almost bankrupted me. Now I’ve moved to an all white area and the same thing is happening here. California is imploding and everyone is leaving like a plague of locusts ruining the next place they land

You don't own shit- you pay property taxes. The state actually owns your house. You pay rent like the rest of us

Even owning land in the USA is a meme, it's never really guaranteed to be yours so long as the tax man can arbitrarily change your property tax year after year

You are nothing but an amount of taxes you bring to your govt. Ownership is a very fickle situation.

All you have to do to debunk that shit is to compare the minimum wage to the cost of a 1 bedroom apartment in your area. If you are lucky, you might be able to find a 1 bedroom apartment in suburban Toronto for $1500 CAD/month. Our minimum wage is $14CAD/hr (and the bourgeoisie complain that our minimum wage is too high). You'd have to work 107.15 hours/month pre-tax just for the apartment. Not including tenant insurance, electricity, internet, cell phone (you don't need home phone), food, auto insurance, gas, health care oh and TAXES. If you are making shit wages, you have to live like a Pajeet. Renting a room in a house with shared anemities. Somali and Poo room mates stealing your shit from the refrigerator or your room. No room to park your car on the driveway. No room to park your car on the street. Welcome to our hellhole.

Don’t forget insurance, and the years it will take for your equity to negate the closing costs. My girl and I were sharing a great apartment for 750/month, which is a good price if you want to save and put money aside. Now I’m an owner and I’m miserable, but whatever helps the Jew bankers grow money off our interest

So where do we draw the line? What's the final demand, the ultimatum? Just passive resistance yourselves quietly into the night?

yearly price of "owning" a home in Land of The Free™

>pay $20,000 mortgage
>pay $10,000 property tax
>pay $6,000 electricity/water
>pay $5,000 maintenance/repairs
>pay $4,000 HOA fees
>pay $3,000 home insurance
>pay $15,000 health insurance
>pay $10,000 student loans
>pay $10,000 pension you will never live to see
>miss a payment? go homeless

Hmm, well to make a living from renting out property you need quite a bit of capital to buy the property

Let's assume a 4% yield. Then you pay for the agent's fees, insurance and council rates, so let's assume that takes it down to a 2% yield. Now, let's assume you need at least $100k to live comfortably. In order to earn $100k, out of a 2% yield, you need property to the value of $5 million. Even if you can somehow earn 5% net yield, you would still need $2 million

So, if you have $5 million burning a hole in your pocket, blowing it all on real estate might be convenient way to ensure passive income. Sure, you can borrow to obtain the property, but that means you need other income while you pay off the loan.

Property taxes are an easy redpill that I think has been overlooked

In movies and TV shows they've used plots where the little old lady is having her house taken from the (((bank)))

Now, as awful as banks are, in real life it's usually not the banks taking the little old lady's house. That little old lady has likely owned the home outright for a number of years

It's the property taxes that old ladies can't pay which gets them kicked out of their house
>inb4 defending roasties
These roasties actually cooked roast beef for their husbands, and deserve some support

But seriously, when people understand that they CAN NEVER ESCAPE PAYING THE GOVERNMENT TO LIVE WITHIN ITS BORDERS, it gets the mind thinking about other things

Give people the property tax pill

the american dream was dreamt in a jewish basement in eastern europe
(((hollywood))) pushed it from the beginning

Here's what neighborhood looks like without HOA.

Oh no the man is putting me down and making me take responsibility by making my house looks nice.

Attached: burgerland.png (1393x827, 2.65M)

>40% of annual wages go to taxes
>4 months out of the year you're working for uncle sam
>still can't afford to give american citizens healthcare
>you complain and you're told to stop wanting handouts and work more

And the insane amount you pay to banks over the lifetime of a mortgage
> Loan on a $500,000k home, 20% down, 4% interest :
- $100k down payment
- Total interest paid over life of loan : $278,478.03

I can barely afford to exist

>car insurance $180
>gas $150-200
>cell phone $90
>car registration $150
>tolls $350
>traffic cam ticket $250
>car maintenance $200
>storage unit $100

I mean what the fuck

>you have to pay property taxes for the government to defend you
Are you serious? Are you referring to the very same government that has allowed tens of millions of rats to pour across our border, and soak up the very same public benefits we pay for with our taxes? This is a joke, right? The government has failed at each and every task assigned to it. They do not ensure a free market, and they send our military off to die in some desert shithole while millions invade us. The police has zero duty to protect you, and the public "schools" are daycare for niggers. My parents pulled my siblings out of public school and home schooled and then private schooled us because the quality of education in public schools was so poor. And this is in one of the top public school districts in the country.

There is no "private ownership" in capitalism-- at least not for the bottom 95%

capitalism is private rentership

the goyim rent their shelter from the bank (mortgage), management (HOA), and government (property taxes)

the goyim rent their transportation (car) from the car company (lease), insurance company, and government (license)

A friend of mine pays $800 monthly to insure his leased automobile in NYC

what the fuck just happened to this thread?

>be freedumb loving Texan
>own an overvalued home
>tax assessor is corrupt
>pay 2000 a month in property taxes for a home that should be close to 1000
>have many sleepless nights about what do
>be living paycheck to paycheck

I owe over 200k in student debt, im stuck making around 60k for the next 4 years
just end my life senapi

>hey goy, your assessed value skyrocketed after we used your previous property taxes to build the 4th school in a 2 mile radius.You get to give us more $ now because of this yay!!! If you want to challenge this have fun getting through the buerocratic maze

I want to work but there's no motivation to do some menial wage slave job
Work for what, material garbage made in China?
A house in a neighborhood that will inevitably get surrounded by 3rd world mongrels?
A woman that gave herself for free to everyone before me but I have to invest in her?
Pay taxes so Ahmed can get cheap housing for his family with 6 kids?
Invest, for what? The coming financial collapse? Retirement doesn't exist.

property tax isnt paid for roads, schools, and police services; that's just window dressing. Property tax is paid to the government to insure shitskin migrant rights are protected. Sure you own your patch of land but the government de facto controls it with a standing army. Your assertion of your right to property falls to the government to enforce open border invasion as an idea and therefore you pay a toll to the government for that

Income taxes and tariffs and such make acquiring more property more difficult, yes. But theoretically once they are acquired they are yours
Property taxes quite literally strip you of the ability to actually own property

The govt is taking property tax to protect your country, goy. Never mind about the spic/chink/poojeet aliens flooding in to the country and receiving benefits off your tax dollars, now pay up or else they wont be able to keep you safe

>Do you have experience with them?
they have a bunch of rules and regulations for what you can do to your home. anything beyond mowing your lawn you have to run through the board. you pay fees each month that go into a fund that each homeowner can draw from if needed and approved.

the goyim rent their education from the universities (loans) and government (taxes)

the oligarchs own all the resources, which the goyim plebs rent

Paul:
>"Hi, Mike! Hey, I just got a call from the bank and we're ready to close on the new house
>Get this!
>I got a great interest rate at 5.25%
>I talked them down to $250k on the price of the house
>So, basically over 30-years the amortization of the house will only cost around $450k
>That means that when it's paid off, I'll only be 60-years old
>The payments are low enough that we can afford expensive vacations, JEWelry for my wife, lots and lots of expensive electronics for the kids, psychological counseling and a lot of other unnecessary bullshit to keep up appearances
>+BONUS: My wife can bang the pool cleaners while I'm away being a middle-management suck up with my tongue buried in my boss's lower colon hoping for that big promotion so I can make more money and buy more useless, feelgood happy bullshit
>With any luck, my wife will divorce me for Tyrone and the house can be occupied by half breed kangletz that torture my children
>the only problem is, I need to leave work a little early to sign the closing papers
Just impact my shit right the fuck up, Hokai

I work in NYC making about $130k and I have no idea why the fuck people do it. Every single person I work with aside from 1 lives in Manhattan proper or Brooklyn and constantly complain about money and being broke and they make close to what I do. I just commute in from Connecticut. It fucking sucks and takes ~3 hours round trip a day but at least I'm not broke lol - I dont get why so many people do it

If you're paying taxes for owning property, then you're actually just renting the land from the state instead of owning it for real

“Tens of thousands in Assessments to your street done by the mayors brothers asphalt company” hold my beer.

>There is no "private ownership" in capitalism-- at least not for the bottom 95%
Totally unlike communism amirite? Can you not spam walls of text next time you make the most retarded arguments nobody cares about?

Fun Fact , After the federal reserve act was passed in 1913, the IRS was established, the 16th amendment (income tax) was passed, and 4 years later, individual property tax was passed
You want to know why ? Because all Bankers need to die, they need to be bled out in the streets
There is no such thing as freedom. Take it from a person who is debt free
Land of the Free my ass. Were cattle to the Fed. Slaves.

That's right, always rent motherfucker no housing for you, also no family, also no concept of things like relationships or even sex, also fuck your free time, you live for work goy, your entire existence is that of a microscopic percentage of the GDP chart, your entire purpose is to grind the minuscule amount of hours you have in this material plain to create worthless shit as a byproduct for the wealth of your master; and there will be nowhere for you to run on this earth, as there will be no one like you left, only the individual eternal mutt
That's right, you're going to wish you were a fucking serf.

a 20% down payment would be $100,000

To pay off a $400,000 mortgage at 3.5% interest, you'd probably have to pay close to $4000 a month (mortgage, insurance, taxes, etc). If you can stomach having nearly half your paycheck going to the house alone, you can earn probably around $90,000 on the low end. To live comfortably, you'd probably need to make over $130,000.

Buying a house in America is becoming a Jew slave for life. I'd rather live in a place with good weather than in some shithole with hurricanes, floods, power outages in the winter, failing infrastructure and dumb fat rednecks.

mortgage on a $500k house is $3k-$4k a month = $36k/yr + $10k property tax + $12k expenses =
~ $70k yr
you hold it for 5yrs = $350k
thats $850k
you sell for $1mill, your profit is $100k (after tax)

Stop (You)ing me or I'll demand a tax on it and lobby the HOA to make it illegal

>Single income, price of the house @ 1x median income . Pension, healthcare, .25 cent gas……
I’ve had more than one boomer complain to me “These dang kids…..When I bought a house back in 1982 my interest rate was 15 percent, now money is cheap”
Seriously, bring on the higher interest rates. It would be delicious to hear old people tell me they can’t sell their palace because of “these higher interest rates”
And a decent house was only $25K with income at $15k

Don’t forget: when those houses were bought a single income family was more the norm. People go pale when I include modern daycare costs in the housing budget equation.

Russians believe Americans don't actually own homes

Russians are not willing to take out mortgages because, in their Soviet mentality, the risk of foreclosure is unacceptable, and because they view interest payments – which they call overpayments – as unfair. As one Russian put it: ‘To enter into a mortgage is to become a slave for 30 years, with the bank as your master

Russia is completely the opposite. A legacy of Soviet entitlement to housing, where housing is viewed as a right to them. The Soviet government guaranteed everyone housing, people owned their houses and had the right to pass it down to their children, sell, or swap with someone who wanted to trade with you

Russians find it ironic that Americans call themselves "homeowners" from the day they close on a mortgage loan

For Russians, ownership only begins after all debts are paid off

In US "home ownership" is metaphor for borrowing (mortgage)

>just own land goy
>*raises property tax*
>*income tax too*
>must pay health insurance, goy
>car insurance too
>college is a fortune for you
>but let's allow Boomers to pay 10 bucks and steal a degree away from you*
>*brings in millions of immigrants destroying your wages*
>bootstraps, you lazy bums!

*that is happening now

>Boomerposting this early
god damn dude, split that up into a few and drink your 4th cup of coffee first

One of the most jewish scams to exist. Be sure to pay your fees goyim or we will sue you!

STOP (YOU)ING ME

how big is your family to buy that kind of house in texas of all places
are you a mednigger?

> Property tax
> Home owners insurance

And the insane amount you pay to banks over the lifetime of a mortgage
> Loan on a $500,000k home, 20% down, 4% interest :
- $100k down payment
- Total interest paid over life of loan : $278,478.03

You've essentially just paid a bank 55% of the Home's value
So, after 30 years guess what happens to the price of the home?
It goes up by that amount +some. I haven't even addressed property/home insurance and property tax

You never really own a home, you're literally just squatting on it and leasing it from local govt./banks/and insurance companies. The extortion game of landlords begins here.. They're just front line reps of the people in the backdrop

Meanwhile, keep in mind that a home is a depreciating asset. The plumbing goes bad, the insulation, the appliances, the ac, the structure...

One thing about Hawaii property taxes, your taxes are a function of what the properties around you are paying, so you can have a shack thats been in the family for generations and if a Zuckerpig moves in next door for a 100 million dollars, your property taxes will go up accordingly under the assumption yours is worth similar. Thats why there are almost no locals who own near the beach anymore, its mostly very wealthy mainlanders who use them as vacation rentals. The few remaining local owners do the same thing – the job market is too weak and pays too little but that beach shack can get maybe a grand a night in rent. Its also why you have to be careful if you buy in Hawaii not to live someplace thats really nice with open parcels nearby – you could be taxed out of your property virtually overnight. Lot of my friends have stories of spending holidays at their grandparents shack on some mind blowing beach, only to lament the loss of that property as the area is now all mansions owned by people who rarely visit.

this dude has to be a bot, there is no way he has this much info on deck waiting for a fucking HOA thread.

Almost sounds like the private jewish banking cartel.

When I was growing up, my boomer parents always talked about a home as an asset that appreciates in value, citing homes they owned, which they bought for $100,000 in the late 80s and then sold for $300,000 ten or fifteen years later, but as I've grown up, I've realized that this isn't really true. Or rather, I'm sure that they realized those capital gains, but home price appreciation is based on a lie. A home is actually a depreciating asset, even potentially a liability because you have to keep paying property taxes on it as long as you own it, until you die. Homes gradually break down over the natural course of time. Some parts, like the roof, are extremely expensive while simultaneously not really being designed to last that long. Air conditioning and heaters break, plumbing breaks, paint and flooring wears out and discolors, structural integrity can degrade as a result of many factors

Even if you improve the home, your costs are almost always going to exceed the market value of those improvements unless you can find just the right buyer. After 40 years of ownership, the wear and tear will be very visible and if the selling price of a home is higher than the price you bought the home for, it's probably only because of inflation. I hear about so many boomers trying to sell their big house with cracked pool, rotting tennis court, leaky basement, two wet bars in the basement, stone fireplace in the "great room,' ping pong room in the back of the garage, pointlessly big master bathroom and closet that you know they paid someone to enlarge after they owned the house for 10 years... all sorts of stupid shit that they did to the house -- and the realtor says "They sunk over $2 million into the house in improvements" when it's overpriced at $800,000, and the boomers are "downsizing" because even THEY can't keep up with all the maintenance

No, we do not want to take over your money pits!

HOME OWNERSHIP A THING OF THE PAST
Privately owned housing would become a thing of the past. The cost of housing and financing housing would gradually be made so high that most people couldn't afford it. People who already owned their houses would be allowed to keep them but as years go by it would be more and more difficult for young people to buy a house. Young people would more and more become renters, particularly in apartments or condominiums. More and more unsold houses would stand vacant. People just couldn't buy them. But the cost of housing would not come down. You'd right away think, well the vacant house, the price would come down, the people would buy it. But there was some statement to the effect that the price would be held high even though there were many available so that free market places would not operate. People would not be able to buy these and gradually more and more of the population would be forced into small apartments. Small apartments which would not accommodate very many children. Then as the number of real home-owners diminished they would become a minority. There would be no sympathy for them from the majority who dwelled in the apartments and then these homes could be taken by increased taxes or other regulations that would be detrimental to home ownership and would be acceptable to the majority. Ultimately, people would be assigned where they would live and it would be common to have non-family members living with you. This by way of your not knowing just how far you could trust anybody. This would all be under the control of a central housing authority. Have this in mind in 1990 when they ask, "How many bedrooms in your house? How many bathrooms in your house? Do you have a finished game room?." This information is personal and is of no national interest to government under our existing Constitution. But you'll be asked those questions and decide how you want to respond to them.

You mean the Jews did this?

Ex-Valley user. Ask anything you want. I can dish on it all
> Can anyone explain why this place is such a bubble?
There are many reasons. I'll list off the major ones :
- The companies don't pay local, state, or federal taxes. They dodge them all. The few workers that are paid six figure salaries are offset by the huge amounts of global/outsourced labor that pays pennies. The valley operates on mexican slave labor for all non-tech related work : lawn, janitorial, cooks, service sector. Inland california is akin to slaves picking cotton. This includes the coastline vineyards. The whole place is a non-tax paying sweat shop that doles out the spoils to investor class and an elite circle of workers. For this reason it is an unscalable bubble. Funny enough, even the six figure elites live like plebs
> I constantly see news of squatter camps
It wasn't always this way. Steve Job's parents were a school teacher and a mechanic and lived in a city that is now the most expensive in the bay area.. You're talking 3 million dollar minimum. Essentially, the corps robbed enough people and made such a small elite group rich that they're even pricing each other out of the area. Poorfags don't even have a chance. Steve Jobs parents would be living like serfs and he'd never have a chance in this day and age
> yet they have one of the highest GDPs in the USA
It's a figure and it largely reflects global tech companies. Global sales.. They don't pay California taxes. They even dodge property tax. The only people who pay tax are the workers which is why the bay area looks so run down. Huge GDP but no one pays taxes
> Why is this place so praised yet so screwed up at the same time?
See above.. Essentially its a big sham cash grab that doesn't pay back into the areas or society that makes it so profitable

Ask anything else, the more detailed the better. I can also source sauce anything you'd like me to

Nope. He ‘owns’ a home & is mad at being bent over.

Why are you replying to every single post in the thread?

I don't care who it is, I'm just claiming its a bot because its acting like a bot. It parsed my posts then just came back at me with bullshit only based on a few key words of my post.
Its all nonsense and there is no way he is typing it out in real time.
Its a bot parsing posts and composing its own shitposts just using keywords. It isn't actually aware of the content of the posts.

HOA is there to keep property values up and make sure nobody does any crazy shit to there house that would make it an eye sore. HOWEVER, in practice, the HOA neighborhood I used to live in was full of passive aggressive people and busy body stay-at-home moms. It was a real shitshow honestly, people would get letters for not having the right plants in their yard, I think one guy was fined for having a wheelbarrow and dirt in his yard - he was putting in a new fence. I also remember a few HOA meetings having shouting matches in them over stupid shit. Some of the busy body SAHMs would actually snoop in people’s backyards or do drivebys in the neighborhood just looking for ANY “violation” to send out a letter/fine just to flex their power.

I think HOAs in theory are good, but in practice they can be extremely negative and infuriating.

How the hell are people affording these homes? Am I losing my mind? My health care has doubled in 4 years. Rent has almost doubled in the same time period. Gas prices now increasing. Bills keep skyrocketing. Everyone is driving new cars and $50k trucks. The economy is the best it's ever been they say! Unemployment record lows. Success for everyone! But me. What the fuck am I missing here? Everyone is loaded and spending money like they are printing it out of thin air. Where did I fuck up so much? I can't buy a home on my 40k a year and rent is becoming unaffordable. Before anyone says move away from the city. I'm not in the fucking city. I'm in a very rural place on the west coast. Like legit inbreeding going on and meth labs just miles away. I swear I'm in the matrix and this program is just designed to suck out my living soul. I wasn't able to buy a home in 2012 because I had lost my job and I was young and immature so now I rent from the boomer that bought in 2012. This feels unreal the way a $10 bill feels like a dollar. Hyperinflation is real in my world but no one talks about it or has even noticed. I guess I missed out on the money machine

I'll share my bare bones expenses:
$13200/year for rent
$3800/year for food
$1000/year for car insurance (10 yo car)
$1800/year for gas
$600/year for car servicing
$720/year for internet
$720/year for phone
$600/year for electricity
$??/year for whatever else
=
~$22420

Which is ~$1900/mo. After taxes and deduction this is almost exactly one paycheque for me. So I save roughly $23k a year. A minimum downpayment on a house > $500k (which is all of them) is 0.05(price of house) + (price of house - 500k)*0.15. This will get you the assfuck mortgage. So lets consider a house that isn't a shithole (700k and im being very generous w that number):

$35k + $30k = $65k

For a mortgage that won't assfuck you, the downpayment probably needs to be north of $100k.

No. Its true. I lived beside some niggers in Phoenix last year for a few months. They get away with all kinds of shit that Whites or working Mexicans dont. Ive seen it with my own eyes.

it's boomer niggery

>>what exactly are they in theory & practice
a homeowners association is when a group of homeowners decide that they want to incorporate to provide some service or enforce some rules in their neighborhood. They're common in condo complexes, which have individually owned dwellings on community property. They're generally a pain in the ass but some people like them. You have to pay their fees because the requirement is poart of your property title.

>are they pro-white
no, unfortunately

If you want to live down south within the city on a small plot of land I'd live in a HOA. If you live in a rich area code in the north then its not needed. If you live down south with guns on a large lot not needed.

HOA =small scale fascism

Checked. Q predicted this picture.