Credit: Pervis (@PervisTime) - Twitter
Nitter link: https://nitter.cz/PervisTime/status/1700928952670245321
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some of us knew exactly what the last panel was about… 😆
I saw the same joke in Two and Half Men
That’s quite an indictment.
Hah I was thinking the same
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He’s going to unplug his life support
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Sorry for your loss
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It’s funny because the one character in the comic would better serve the world as a corpse
If you got the opportunity to literally remove the power cord plug for your loved one’s life support form the power outlet, I’d agree that something is a little messed up
Meanwhile, my wife has an AD and has repeatedly instructed me to shuffle that mortal coil on offa her, so this really isn’t super controversial
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Yeah but it would be a lot more fun if you got to do it yourself and say “yoink!”
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Where I’m from, the median house price has risen 600% relative to median income since the 70’s.
That means that we’re dropping more than the entire value of their home as our deposit, while we compete against capital-heavy boomers that benefited from that growth looking to downsize.
There’s a reason they could have a house and 12 kids on a single summer job income - they were handed a strong economy that they ransacked for their own benefit before blaming the poor schmucks that are inhereting the stripped wreckage they’ve left behind. Couple that with the cost of the massive environmental pivot we’ll need to make to survive as a species, and I’m sure you’ll forgive me for wanting to drive the nose of the next boomer that preaches about smashed avocado toast and bootstraps through the back of their skull.
I’m fascinated by how idioms have gone a complete 180. Now we tell people that they just need to pull themselves up by their bootstraps, but that idiom is used to describe an impossible task. You can’t pull yourself up by your own bootstraps, it’s literally impossible. Same with it’s just a few bad apples to excuse bad behaviour. The idiom is a few bad apples ruins the barel, that one bad person or thing jeopardizes the whole thing. I don’t get it.
People are rather ignorant as a whole. Many of us here probably use our brains for genuine thought, but I find that to be the exception.
Look at the shit people focus on as important and how they mimic what they see and parrot what they hear and it becomes clear how they can’t even get simple sayings right.
Also I put my hand into a bag of apples last night and my finger dug into a rotten spot in one apple with mold in it. Thankfully it didn’t get a chance to spread… close one.
“A person is smart. People are dumb panicky dangerous animals and you know it.”
Last month I had this random conversation with an old lady while on vacation. She mentioned that quite lightheartedly, that “we bought our house just on our salaries, we worked hard back then and needed to settle down”. I wasn’t expecting to have to explain to her that this is not such an easy option for us right now. She seemed genuinely surprised and disappointed at the facts and I didn’t know whether to feel enraged or amused by her true or not ignorance.
At least she was open to listening, hopefully you’ve made an impact on her going forward
I’m solid GenX.
My grandparents bought a house on a corner lot in the northwest suburbs of Chicago for $6000. Which was about a years salary for Grampa, who worked as a welder. This was in the late 60s.
ETA: Their mortgage was around $50.00 a month.
I’m GenX as well and I will straight up admit that my wife and I got lucky, purchased a house in a “distressed” neighborhood in Portland because it was all we could afford, and now, 20 years later, the neighborhood is fully gentrifying and our house and property is worth way more than what we owe on it.
I’m conflicted as to how to feel about it. While on the one hand we very innocently bought the place because it was in a shitty neighborhood and was all we could afford, on the other hand I now know that we were what the urban studies people refer to as “bohemian colonizers,” meaning that without knowing it, we were, by moving into the neighborhood as poor artist types, part of a much longer process of gentrification.
Again, I am of several minds regarding how I feel about the whole thing.
be poor
move to a poor neighbourhood
I really don’t think that you should feel bad about this personally :)
Meh, gentrification is the result of bad policy, not personal, individual choices (except maybe for people flipping houses and landlords). Neighborhoods, and the people in them, should not stay poor forever. Rent controls, grants for people to start businesses or coops or whatever, allowing mixed-use zoning, and stuff like that can reduce the harmful affects of gentrification.
Pay it forward by voting on low cost housing initiatives and not becoming a nimby.
Yeah, I don’t think you should feel bad. You can’t really individually control processes like this and well… you needed a place to live.
You shouldn’t feel guilty for being lucky. Just pay it forward to your community if you can or care.
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I feel bad because I think the house I sold went to a landlord. At the time it didn’t really occur to me that a cash offer probably implied land lord. I put some blame on my real estate agent for pushing lower cash offers over higher loan offers but it still makes me upset. The HOA in that neighborhood only allower 10% of the homes to be rented out and when we moved in they had a ton of signs saying that. I assumed that would be the case when we were selling.
It was one of the nicest while still being affordable townhomes in the area.
It doesn’t keep my up at night or anything but at the same time it’s not like I’m going to be selling my current house soon. It’s an opportunity you only get so often.
What were you supposed to do live in a tiny apartment to make housing more available for the poor fuckers nearby who just happened to have started slightly closer?
Which would be round about $55000 in today’s money, for those interested.
It’s disgusting. And even more disgusting at America and Canada’s disregard for the unavailability of owned housing at an even remotely appropriate cost.
Today a the median yearly salary for a welder is a bit less than $40,000.
For this price you can maybe get a camper, not too big though.
So, welders today make about 30% less, while houses today cost about 5x as much.
Progress!!
This is actually worse than it sounds 1 year of salary can be paid off in 2.5 paying the same amount someone pays for rent on their apartment. In 2.5 years you wont pay much in the way of interest. Over a 30 year mortgage paying the median home price of 388k means paying almost 3x the face value or roughly 1.1M or roughly 17 years of median income.
I live in a small town in the SE US. I bought my house for $89,900, 12ish years ago. There are 3 vacant houses on my street and they are all listed for $250,00 or more. My house is bigger than all of them. They have all been empty for over a year.
They really should tax empty houses at 100%. You’ll see how fast they will sell, and how low the price will go to achieve that.
absolutely agree. It’s insane that we allow corporations to hoard housing and artificially jack up the price. I’m just outside the city limits and I see soooo many homeless people now. A lot of them have jobs too, they just can’t afford a place to live. Some local churches have opened up their parking lots for people to sleep in their cars.
Agreed, if no one is resident in the house then the taxes should go way up.
This way any house where the owner isn’t living there and it’s not rented would see the taxes increase quickly. We can even add a multiplier according to how many years the house has been sitting there empty.
In a way, some states do have this. Texas for example has the “homestead tax exemption” which puts a cap on the tax burden increases when prop evals 📈. This is only applicable to one home for the family and they must reside in it. You can’t claim this exemption if you are renting it out or have a summer home in this state.
This is what I understand anyways.
We do that in Vancouver and it’s good. The fines are steep.
But it’s opened a mini industry of people being paid to visit homes so they aren’t ‘empty’.
So it sounds like it helped the situation + created new jobs. Win-win
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Nice.
Maybe the landlords will get really clever and start paying homeless people to live in their units, so they can pay a rock bottom price to avoid the tax …/s
True, homestead exemptions can only do so much.
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I just bought a house in the eastern part of the Midwest in the US. The tax assessment in 2021 for the house was about 193k. In 2023, it’s 275k. That is a 30% increase in 2 years. During those 2 years, nobody lived in the house, and no improvements were made in that time. Neat! My mortgage is still about the same as my rent for a 2br apartment in Oregon earlier this year. I suspect the Midwest is about to start hating Oregonians as much as Oregonians hate Californians soon!
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I’m here to laugh. Not plot murder.
In this instance i kinda agree, but there’s a line that gets crossed where that doesn’t apply, so perhaps sturdier logic is needed.
EDIT: For instance, if this Ricky Gervais meme were posted to justify a joke making light of police brutality against black people, that’s clearly far over the line. This joke isn’t even close to the line IMO. But where is the line? And - genuinely, out of curiosity because dark humour is a deep love of mine - what is the correct line of reasoning? I really do think “just take a joke, it’s fun, have a laugh” like the meme implies is the correct stance in regards to things like this. But, since the logic doesn’t really hold up at the extreme, it to me implies the logic may be a little off.
Things are damaging or they’re not, if someone is offended by it is a very seperate thing and really a personal choice.
That is a very privileged position to take. They aren’t separate issues at all; the fact of someone being offended is inextricably linked to the fact of it being damaging. And to consider it a choice is absurd even on the face of it. Being offended is an emotion. You can’t genuinely, fully control your emotions. You can control what you do about it, sure, but not always, and not completely.
And apart from that, even if we entertain the idea of it being a choice - who on Earth would choose to feel offended? It feels awful. And it never goes well. If you even have the guts to say something about it, you generally get mocked and laughed at. Who would choose to go through that?
It’s not privileged at all lol, you’re just wrong.
Someone can put their elbows on the table while eating and offend someone. That person is hurting no one. The fact that it offends someone doesn’t make it damaging. Stop acting like being offended in and of itself means anything. Either that or explain to me the real harm of it. Or any other stupid little thing that can offend someone, like taking the lords name in vain or wearing white after labor day to a party. These are BS nonsensical things that people get offended by and you’re trying to act like they cause real harm. Get out of here with that pure nonsense.
Who chooses to feel offended? No one, but you chose your world view and that dictates if you will be offended.
Bottom line, you said “the fact of someone being offended is inextricably linked to the fact of it being damaging”. Explain to me how putting your elbows on the table while eating is damaging. Who is it harming?
Nobody has the right to not be offended.
If we gave people that right, everything in civilization would grind to a halt.
Choosing whether or not to offend a small number of people for the sake of expressing something is an individual decision.
It’s not harming anyone, and that person is just being an asshole. They are linked, yes, but not always directly correlated. Some people just be crazy.
This whole time I’ve been talking about bigotry, and I’ve been consistent on that. These little kooky “Don’t put your elbows on the table” level stuff in my own opinion is not a genuine form of offence, it’s an enforcement of conformity and tradition. “Offending” tradition is its own can of worms. If you ask me, before we consider if offending a tradition is something actually bigoted and offensive, we must first consider if that tradition might actually be batshit insane.
They’re inextricably linked but not correlated, that makes no sense.
You said being offended causes harm, I said it doesn’t, there were no classifiers. Someone being offended by something stupid doesn’t make them any less offended, they still are. I would argue a lot of people who are offended are because they see some form of tradition or cultural norm they value being upset. Whether that norm is them wanting to be racist or wanting you to eat a certain way.
My point is, people can get offended by literally anything, and I’d say 9/10 times it’s not damaging and they’re just being professional victims. Yes there are racists and horrible people, and the things they do are damaging. That’s why I care, because it’s damaging, not because it offends someone.
While I understand your perspective, it’s worth noting that reactions to offenses, like many emotions, exist on a spectrum. Some individuals might experience deep hurt from a comment that others brush off with ease. While we can’t always control our immediate emotional responses, we can cultivate resilience and perspective over time. Claiming that no one would choose to be offended might oversimplify a complex web of human emotions and social dynamics. Some might lean into being offended as a defense mechanism or to further a personal or societal narrative. Emotions are complex, and so are the reasons behind them.
While I understand your perspective, it’s worth noting that reactions to offenses, like many emotions, exist on a spectrum. Some individuals might experience deep hurt from a comment that others brush off with ease.
I believe I addressed this. Of course that’s true. That’s why I said you can control your actions, “but not always, and not completely”.
While we can’t always control our immediate emotional responses, we can cultivate resilience and perspective over time.
We can, but certain things are bound to simply be offensive, no matter what. “Perspective” is a buzzword in this conversation. No amount of perspective will get me to react kindly to statements like “women belong in the kitchen”. The onus should not lie with the offended party to just not be offended, it should lie with people trying to not be offensive. I don’t think that’s too much to ask.
Claiming that no one would choose to be offended might oversimplify a complex web of human emotions and social dynamics.
No, it really doesn’t. Saying people choose their emotions is the oversimplification. Would you “choose” to be angry, sad or scared? No. You can only choose your actions. I think you’re conflating emotions with actions.
Some might lean into being offended as a defense mechanism
Being offended doesn’t protect you whatsoever. Again, maybe you’re conflating actions with emotions. But what actions are you talking about here?
or to further a personal or societal narrative.
This just seems like a dogwhistle to me. What narrative is furthered by feeling something?
Emotions are complex, and so are the reasons behind them.
Yes, which is why we should put in more effort than just saying “they’re doing it on purpose”, and justifying that with a truism. “It’s complex” is easy to say. Digging into that complexity is harder, and maybe that’s why you’re not doing so.
The onus should not lie with the offended party to just not be offended, it should lie with people trying to not be offensive.
Jesus, I didn’t really want to respond to you in another thread but this line I had to say something. Anyone can be offended by anything, so you’re saying everyone should go out of their way to not offend anyone? Ok I’m offended by your user name, change it. I’m offended by the way you speak, the onus is on you to change it. I mean a society with that mindset wouldn’t function, anything I didn’t like I would just say it offends me and demand you change. We need to follow laws, that’s why we have them, and we should strive to be good people, but suggesting that a person should try to conform to every little offense anyone could have is unreasonable, that’s a VERY slippery slope.
No amount of perspective will get me to react kindly to statements like “women belong in the kitchen”.
Unless you live in a world where that is normal for decades on end and it becomes your normal. Nazis never saw themselves burning people in ovens, it’s not a switch that happens over night. What can become your normal is very scary.
What narrative is furthered by feeling something?
For example saying that you are offended by pride flags because you are homophobic. Maybe you “feel” (general “you”, not you specifically) that gay people touch kids, many homophobic people do “feel” that. Feeling that way and expressing your offense to pride flags in that way very much is pushing a homophobic narrative that can be damaging to the gay community.
Being offended doesn’t protect you whatsoever
That’s not what defense mechanisms are in psychology. They are subconscious responses, usually to avoid anxiety or facing any cognitive dissonance. If you point out that they hate gay people but are best friends with a gay guy, they may get offended as a way to avoid confronting that cognitive dissonance.
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I mean the argument will always require context. You could stab Gervais in the leg and say “but I found it funny, I must be happier than you.”
There is a line and there isn’t. Some audiences are big, some a small, the same audience can like one thing and dislike another and there’s no way to tell, the exact same audience could like the opposite the next day.
In the end, we sometimes make work, and sometimes it’s good and sometimes, regardless of the quality, it is liked, and regardless of all, it is popular.
I’ve always considered “I find that offensive” to mean “I think what you said means you’re a dickhead and I want you to know that”. That’s why I’m offended by people who say “Hitler did nothing wrong” un-ironically but not offended by people who say “Hitler did nothing wrong” as a joke.
“I find that offensive” seems to be a bit of a straw SJW. I’m sure some exist that make things all about themselves like that, but if someone said “black people are lazy criminal scum”, I don’t think the response would be “I find that offensive”. I think the response would be “that’s racist garbage, get out of here. Black people are just people”. Point being, the response to an offensive statement generally consists of an argument explaining why it is harmful or factually incorrect.
Wow I really started something huh? lol
Haha yeah it sure seems that way
I think “the line” you’re talking about is all in the delivery of the joke. Poor delivery could make a relatively tame dark joke really bad, and great delivery could make a heinous joke the talk of the night.
I think you’re on to something, there.
Why not both?
I don’t get the last panel.
Unplugging them from life support is how I read it. I like the darkness.
He’s practicing pulling the plug on his dad
I’m going to
buyinherit a house!Reverse mortgage says the bank will.
ROFL, get it now.
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It’s as vague as taking a sledgehammer to the head…
He’s practicing unplugging his father (grandfather?) for when he’s on life support. It’s a bit of dark humor.
Just like food, some people don’t get it.
Just like a house, some people don’t get it.
Fuck u lmao that was good.
Initial thought, “who doesn’t understand food?”. Then I was like, “oh shit that’s dark”. Made me genuinely laugh.
I have some Garfield comics I can send you. Might be more your speed.
🤒🔥
Did you just link an hour long video without any heads up whatsoever? Who’s just free to sink an hour into a random joke from a stranger on the internet on a whim?
Yep, you are pretty much obliged to watch all of it, including the ads and then both liking and subscribing. We will honour your brave sacrifice.
I just did. I am a diffrent man now.
They’re so dense. My conservative uncle gave me a bunch of shit for taking out student loans. He worked at McDonald’s over the summers and paid his rent and tuition for the whole year! Meanwhile I was working full time year round going to school, barely making enough to pay rent without enough leftover to make a dent in tuition. Obviously that world doesn’t exist anymore. This was over 10 years ago, I’m sure it’s way worse now. At least I was able to find “affordable” rent.
I’m English so can’t comment on the situation in the US, but reading the comments in this thread it seems quite similar to the one here.
I bought a house in 2010, just before I turned 23 and I’m very much the exception to the rule. I live in an area with some of the lowest house prices in the country. I didn’t go to University and got my first full time job when I was 19. It didn’t pay well but I lived at home and I was a stoner. I didn’t go out much, just to friend’s houses to get high. My town is walkable enough that I didn’t need to drive (I get that not driving isn’t really possible in the US, or even in some parts of the UK).
This meant I saved up a lot of my money without really trying. The house I bought cost £41,000. I sold it in 2022 for £39,000 which should give you some idea of the state of it.
My Dad bought a house in 1986 for £12,000. I can see that house from the one I live in now, which cost me £79,000 in 2022.
That is some achievement to lose money on a house in that time period, did it fall down 😂
Nearly. It had awful damp, no central heating and an open coal cellar at the front.
And suddenly the story makes so much more sense 😄
Those house prices sounds absolutely insane to me.
I’m also in the UK, but I’m in the South East, so house prices are very high. Still managed to find a “cheap” house recently due to the location being a bit rough.
For comparison, my house that I’m buying is £345k (it’s 2 bedrooms with a separate garage and 2 bathrooms). I saved up a £125k deposit by living with my parents for the longest time (I think it took me about a decade). The exception being for 3 years when I house shared - the rent was £325 per month with bills included, but my room was effectively a glorified cupboard.
I will also say that I was saving lots and lots of money with my old job. I’m a software developer, so my salary was good (started off at £22.5k, went up to £45k with about 10 years experience and being a senior dev, then our company got bought out and my salary went up to £55k). A year later and I switched jobs as the annual salary increase was £150 (for the whole year). Ended up with a £75k salary w/ bonus, private healthcare, etc etc. I really lucked out at that moment.
As to why I didn’t buy a house earlier with my deposit, there was two reasons:
- I had saved up about £100k before for personal savings, then that money went to help a sibling (call this sibling A) with their property. My parents sold a property aborad to effectively give me back the money, but the money was split between me and another sibling’s bank account (call this sibling B) because of financial advice given by my uncle. What then happened was sibling B didn’t give me back the money and was being incredibly difficult about the money, and since they have a history of being difficult in general, I decided I was going to save that money instead.
- Sibling A wanted to start their own business, but it effectively flopped for all sorts of reasons. They had amassed a loan of £15k, and I helped pay that off. This was while sibling B was being incredibly difficult.
- Main reason: At the time, I didn’t know if I really wanted to stay at the job for so long, and if I did want to stay, I didn’t want to move into the area where my job was - despite the convenience, the area was incredibly rough - almost GTA like (and that is no exagerration). I didn’t know where I wanted to live, and the places I would be interested in, I effectively had no clue as I was living with my parents at the time.
So yeah, buying a house in the South of UK isn’t easy at all. It requires a ton of patience and luck.
Jesus, that’s insane.
My house has 2 bedrooms, 1 bathroom and no garage. It is, I’d say, in the second worst part of town but crime rates here are still fairly low. I paid over 4 times less for it than yours just 17 months ago.
TBF house prices here have increased since then and you’re looking at around £100k minimum for a place like this now, but still, that’s mental.
You bought a house for less than $45K? Excuse me?
For comparison, a 2 bedroom 1 bath house at about 1000 square ft in my area would cost 250K for a place that needs repair and remodeling.
For us using metric who are not used to freedom units:
1000 square ft = 93 m2 (92,9 m2 to be exact)
So I guess you can divide by 10 to get a rough estimate in m2 that is 7% off.
Thank you. I’m used to the freedom units.
Freedon units are absolutely awesome to confuse the enemy, problem is it confuses your friends too.😋
Fore 3 years ago we bought a house in a decent size city at £103K at 133m2 in Denmark, and the houses prices is still pretty much the same the prices have gone up £11k on our house but mostly because I have renovated over the time.
But here in Denmark if you buy a house you pretty much need to could renovate by our self, because the professional is extremely expensiv, if I needed to hire a professional to replace my roof it would cost us £100k and I can do it by my self for £10k.
Edited: with symbols for pound on all now
in Denmark
Yes I figured as much from the “for 3 years ago”, which is totally Danglish, “3 years ago” is enough.
Sorry, I just found it funny, that I figured a Dane wrote that from the first 3 words.😀
And yes professionals are really expensive, USD 100k to replace an entire roof doesn’t even sound expensive, if it includes materials, it’s sounds dirt cheap.
Edit I just checked prices, and apparently you can get a new roof for a 100m2 house approximately 1000 ft2, for about USD 10000.
Depends a lot on what type of roof you have. Comp shingle is pretty cheap.
In Denmark, the cost equivalent of a roof replacement is 100k UK pounds? That price in the US is so high it shocks the conscience unless you’re talking about a mansion or doing some special kind of roof material like slate and hiring only engineers with advanced degrees as laborers.
I think I specified USD = US dollar, but that is cheap, our neighbor got an offer of USD 160000 for a house of about 180m2. That was with ceramic tiles, but afaik it’s not that much cheaper even if you chose cheaper materials, I think the cheapest was about USD 120000.
Edit
I have been misinformed, I looked up prices and you can get a new roof for a 100m2 house approximately 1000 ft2, for about USD 10000.
You’re out by a factor of 10 if you think a new roof is 100k
You can’t get a professional to replace your roof for 10k£
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Yes, The offer my neighbor got must include rebuilding the construction or something.
You can get a new roof for a 100m2 house approximately 1000 ft2, for about USD 10000.
1 Krone is $0.14 USD. Holy shit. $14k for a roof? I just got mine done for $6k by a pro here in the US - I thought about doing it myself but realized that I’m a father now, have zero safety equipment or roof replacing skills (lack of experience never usually stops me) and knees that now randomly dislocate for no reason, and I’d probably die. That said, it would still have cost me more than $1.5k in materials. How can folks afford such prices? How can the market sustain such prices?
Why assume krones when their other prices were pounds?
I didn’t know what the symbol for Krone is and incorrectly assumed they use the pound symbol (they don’t - Kr is the symbol). 100k pounds for a roof is absolutely insane, and now I absolutely need more explanation as to why.
It was all converted to pound for ease.
And why the prices fore a professional is so damn high in Denmark is becous the labor force is very well paid in these proffesions, so price is: 50-60% salary, 10-30% taxes, the rest is material.
And the symbol is “DKK” i don’t think there is symbol like $.
That almost exactly the size and price of the house we bought, and I live in th most affordable city in Canada. Also needs repair and remodeling.
I say this as an American, but I feel terribly at how Canada has treated its citizens in regards to housing.
Oh, Canada, I wish you were my home and adopted land. Don’t know where the most affordable city is (and I won’t ask you), but Jeff Jacques (questionablecontent comic) has me pretty interested in Halifax/Nova Scotia.
Wherever you are it is better than here. We are on the cusp of an economic crisis. Ironically its our massively over inflated houseing sector thats putting us under.
US housing is unaffordable as well, but we’ve got mass shootings, 25% of our voters are white evangelicals that believe the earth is 6,000 years old and that we don’t need to worry about the environment because the more fucked it is, the faster a vengeful Jesus will come and crush non-evangelicals like grapes till the blood runs thick in the streets. I’d take a convoy of idiot truckers playing American over what we’ve got going down here any day. (EDIT: sorry, 25% of the GOP voting base, which is still awful but not as awful as I previously stated)
No, I bought a house for £41k. Not sure of the currency exchange rate at the time and how that relates to now, but pretty sure it’s always going to be above $45k
Which city is it? I would very much like to move in. The housing market is so ridiculous now that even in my crappy city, in a terrible country that lost millions due to COVID, and is now at a goddamn war losing thousands of people by day, the prices are still skyrocketing. Currently, even the cheapest 12m² room inside an ex-USSR barrack costs like 20 grand, and the situation is even worse outside the cities.
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Is he going to unplug his life support
Yep
Image Transcription:
A four-panel comic called Pervis by Zach M. Stafford.
The first panel shows a young man in a brown button-down shirt and orange tie standing in a street with a house in the background. The young man is saying “I’m going to buy a house!”
The second panel shows a much older man, now bald but still wearing the brown shirt and orange tie, speaking to a man in a green button-down shirt and green tie. The elderly man is saying “…and that was how I bought a house when I was 23!”
The third panel shows a close-up of the older man’s face, he looks agitated, his eyes scrunched up and his mouth open wide as he yells “I worked at the drive-in all summer for that house!! Nobody wants to work anymore!”
The fourth panel shows the elderly man and the green-shirted man again, this time both are facing away from the viewer and the green-shirted man is holding the end of an electrical plug that he’s just pulled from the wall. The older man is saying “…why are you unplugging my lamp?” To which the green-shirted man responds, “I’m just practicing”
[I am a human, if I’ve made a mistake please let me know. Please consider providing alt-text for ease of use. Thank you. 💜]
Credit: Pervis (@PervisTime) - Twitter
Nitter link: https://nitter.cz/PervisTime/status/1700928952670245321
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Nitter RSS is working?
I was having issues adding this one to my RSS Reader. It worked on my browser, but commafeed said
Connect timed out.I tried a different instance (nitter.cz) and it worked. So I edited the links in my comments. Thanks for noticing.
I guess that is how he’ll a house, high risk, high reward. .
I think you a word there.
home ownership has been stable around 65% since the 1960s
https://en.wikipedia.org/wiki/Homeownership_in_the_United_States
The homeownership rate in the United States is the percentage of homes that are owned by their occupants.
Yes, that’s what it means
(It is entirely possible to buy a house in your twenties)
The point isn’t that it’s impossible.
The point is they act like it’s just as easy as it was when they were in their twenties.
Back when you could comfortably support a family with one job working 40hrs/week. Any job.
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…
I grew up in a bad neighborhood. My parents house cost them 20k in 1980.
It sold for 450k in 2001. The original house is still there, a postwar concrete prefab with zero wall insulation capacity that freezes and weeps in winter and broils in summer, but the yard is looong gone with a subdivision.
The RENT on that fucking house is now more per year than my parents paid to own it. Without the yard.
Shit is broken
Because there aren’t good jobs in those places anymore. So entitled wanting access to jobs…
And acting like NY, SF etc are the only places with a housing crisis. And the only places people want to live. It’s pretty much a housing crisis in any town with jobs.
Lmfaoooo
I live in Ohio bud. It’s not entitlement.
I didn’t have issues. Saved for about a year, nothing crazy, and asked for a loan. Now I own a nice two-story house about a 15 minute walk from the city center. I don’t really get this “buying a home is impossible” -meme, I believed that too before I actually tried and was surprised how easy it was.
When was that? Where?
The house I bought in my 20s (for $275k, inflation adjusted) is now worth $475k.
The house I bought in my 30s ($480k, inflation adjusted) is now worth $800k
In my area at least, home prices are far outpacing inflation. I literally couldn’t afford to buy the house I’m in today at its current value.
Don’t forget, mortgage rates (at least in the US) are still the highest they’ve been since 9/11/2001.
That makes it even harder to buy the now more expensive house.
I bought my first house back in 2009.
My monthly mortgage payments have been flat for 15 years now. I pay less than 1/4 per month that someone buying my house today would.
Even though we make 2X what we did back when we purchased the first house (graduate degrees), we would still struggle to make the payments on our current place if I had to pay the market price today.
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The small city I work for in Texas has a median home price of nearly $3,000,000. The cheapest home currently available in the city is 1.8 million.
The median income doesn’t support those numbers. How does that work? Those same houses were 1/5 the price 10 years ago, and 1/3td the price in early 2021.
Areas with historically cheap housing are seeing house prices double annually, but wages aren’t keeping up because people who already opened a house 3-4 years ago still have a cheap house with 2-3% interest.
A 400ft 1br studio apartment in the town I work costs $2,300/month. That would have gotten you a hell of a house 5 years ago.
A 400ft 1br studio apartment in the town I work costs $2,300/month.
That’s insane. Not even 20 years ago, you could throw a stone and find an apartment for like $500-$800 in that general part of the country (TX/OK). Not a slum or a hovel, and not in the sticks. Just a normal apartment.
Not calling you a liar, but my parents’ house is half that size, pretty far from the nearest small city, also in the Midwest, and is worth almost 600k.
Also, just saying people can just move if they want to own a home is pretty stupid.
What kind of job am I going to get in a small Midwestern city?
A couple years back during covid, in Finland. House prices here have been creeping up as well but not as aggressively as where you have lived. I doubt that’s the case in all of the US, there must be places with more modest prices. I “downgraded” to a smaller city when I went from renter to owner, couldn’t have bought a home to my liking in Helsinki due to the prices.
in Finland.
Well there’s the issue. Finland isn’t experiencing anywhere near the level of housing cost inflation of the US, Canada, and Australia.
And cheaper areas in these countries are cheaper for very good reasons (they suck to live in/have no jobs available).
They have Social Services too if I’m not mistaken.
“Social services” can hold a wide range of stuff and arguably every country does have social services, but yeah it’s one of the nordic social democracies with an extensive social safety net in place. I’m extremely grateful for it, even though I personally don’t use those services (apart from you know, like roads and shit) and they get funded through my income.
Sure. If you live in Cuntass, next to a half dead tree and 500 million mosquitoes
More importantly, there are no jobs in Cuntass, so you can’t even afford to live in that shithole unless you work remote
To change the subject completely. I hope my country embraces the work from home option. Especially the public sector should experiment with this form of hiring. People living in all parts of our country is a political goal.
So when you said it’s possible to buy a house in your 20s you meant in Finland. Then you make a wild assumption about the US to try to justify what you said? Wut? Dude you are misrepresenting the situation left and right.
Sure there are places houses aren’t insanely expensive, but they are generally many hundreds of miles away from where there are jobs available that may pay enough to purchase said house.
Having lived in Europe it amazes me how many Europeans believe that because it’s still in the country, it’s not all that far. But if you compare directly a few hundred miles is usually in another country in Europe, where in the USA it’s more often still in the same state.
It’s not a meme, it’s the harsh reality for many in the West. Not just the US.
And you’re what’s called an outlier.
I applied for a loan. I was told I don’t have a high enough credit score by the bank. So now I’m paying rent instead of a mortgage.
Imma be honest, I’m not from the US so I have only a superficial knowledge of what a credit score is, but I’d reckon that’s something you can affect, no?
Then why tf are you commenting at all???
That’s like jumping into a support group and being like “damn that sucks have you tried not having that happen to you?”
If it doesn’t apply to you why tf are you even here?
Then why tf are you commenting at all???
You must be really fun at parties.
You must be really fun at parties
Well, the only people I’ve known who say this phrase are idiots. So I guess we know what that makes you.
Just saying that despite the memes it’s completely possible for a normal dude to buy themselves a home. I believed the meme until I tried. The more people I get to try buying a house, the more people get to buy a house, making their lives better and landlords lives worse which is a great win-win in my books.
Why fall into despair when there are things you can do to help your situation is what I’d ask you, knowing full well you didn’t answer the question I laid.
The problem is that you’re being extremely naive and ignorant of the rapidly worsening material conditions the majority of people in the west are experiencing. Your suggestion that “there must be something you can do to improve things, why are you whining?” comes across as tone deaf and dismissive.
People are struggling to keep their bills paid, and most are doing everything they possibly can to try and improve their situation, yet are still failing to keep their heads above water. It’s like someone is screaming “Help!! Help!! I’m drowning!!” and you’re screaming back “I’m swimming just fine, isn’t there something you can do to stay afloat? Why are you panicking?”
You just said you don’t know the US housing market or what a credit score is but you feel confident in saying people can just buy themselves a home.
Also the more people that buy houses the less supply there is, which means there’s more demand, so house prices go up even more.
Yes, people can just fix it. And depressed people should just be happy. And sick people should just eat healthy and work out. You are beyond naive.
knowing full well you didn’t answer the question I laid.
They never answer the question you asked them, instead they just yell at you, telling you how bad you are for asking the question.
Affect, sure. In the same way that one can affect having rich parents who support you, thus making it easy to be rich yourself.
Being poor is fucking expensive, and the credit score system is a big part of that.
The credit score system is the yoke upon which the millennial/zennial generation has been shackled while Gen X and Boomers ride the wagon of home ownership and comfortable living due to not having to deal with that bullshit in the 70’s, 80’s, and 90’s.
I was born in 1971. I can’t speak for all of Gen X, but my experience growing up in the 80s is that I was presented with “everything’s fine, you just need to get a job and it’ll all work out.” So that’s what I did, and got nowhere fast. Married too early to the wrong person because pooling our resources seemed to be the only way out, then still struggled to get anywhere. Everything pointed to “I guess we’re just not trying hard enough.” Follow this with depression, divorce, working multiple jobs at a time to keep a roof over my head…
I think plenty of Gen X were just on the the earlier edge of the wave that became what it is today.
Idk if that’s a passive or active you, but anyway that level of effect sounds quite large, maybe folk should find ways to make their credit rating better.
But I restate I have no clues as to the inner workings of this “credit rate” and if it’s indeed impossible or otherwise unrealistic to effect, I’m willing to grab an implied L on that one.
You positively affect your credit rating over long periods of time by taking out loans and paying them back. If no one will loan you anything, you can’t affect your score. If you can’t pay the loans back, it damages your score.
I didn’t have issues so why would anyone have issues? Isn’t everyone’s life, opportunities, and circumstances just like mine? Jesus dude, really?
How much did you save in that year and what are your monthly costs?
I plugged my numbers into a mortgage calculator while back and I’d have to save like 20% of the total cost to get the monthly payments low enough. I have an okay salary and I’m still not making enough to do that in a year.
I can’t remember the exact figure, it was around 10k I had saved up, so roughly a third of what I had made that year. This was during covids lockdown phase, so I didn’t really have anything to spend my money on other than a savings account. My monthly loan payment is between 700-800€, I was smart enough to get a fixed interest rate which was ridiculous at the time but a literal moneyprinter now.
You might be interested to know that in the European country where I live this is completely impossible. No bank here will give a loan to a single person with that income and only 10k euro saved.
Yeah reading all the comments by this user a lot of things sound a bit sus.
I know this may be difficult for you to understand, but a whole lot of people lost their jobs during Covid, and had even less to spend. That is why it was relatively easy for those with money to buy housing.
Saving isn’t an option when your entire wage is spent before you make it, just to exist. Or when you aren’t allowed to work because of external circumstances.
So you boght during a housing crisis where people were losing their jobs and the economy was in shambles.
The average rent in America is $1700. Congrats on finding a house where the mortgage is half of the average American’s rent.
Yeah, that’s about what the figure I came up with was. Oh well I’ll keep throwing money away on rent I guess.
Alright mate, I hope for you to someday pass the obstacles in your way. Wishing all the best to you!
Congrats on your success though. Didn’t mean to sound bitter towards you if it came off that way.
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It’s also important that you can start off wealthy in the sense that:
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your parents have lots of money they give you or
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you can start off wealthy because the generation before you worked hard and set their children up with an economy that can let them succeed.
If the generation before you are a bunch of ladder-pulling-bastards, you don’t have a chance.
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Extremely true statement, though I didn’t, and still aren’t.
Possible and feasible are two different things. It’s possible for everyone in America to buy a house, there is no law against it, but it’s not feasible for everyone to. This concept of “you just need to work harder and you can” is the brain dead, privileged AF fallacy this is calling out.
It’s entirely possible you’ll be an olympic figure skater in your 20s too.
For sure, but that would take an unreasonable amount of work and effort so I wouldn’t compare the two.
but that would take an unreasonable amount of work and effort
and your hesitation in comparison because of said difficulty is precisely the reason i did.
I feel like maybe there’s a language barrier or you hate the joke, dunno. The comic works because buying a house is harder than in the past and trying to convince some people of that is often impossible. Rather than understand, some people seem almost like they would rather not understand.
If you keep looking, you might find one of those folks yourself
The comic works because buying a house is harder than in the past and trying to convince some people of that is often impossible.
I never argued it’s as easy as it used to be. I mean, I didn’t buy a house when I was a baby, but my parents did (when I was a baby, not them) and they didn’t have any issues afaik. I surely had to work way harder than they ever did for a home that was arguably worse in quality and I never said otherwise.
The comic to me seems to imply the idea that to buy a home you’d have to do something ridiculous and unreasonable (such as letting your dad die earlier), which isn’t the case. It is more ridiculous and less reasonable than it used to be, I’m not arguing that at all.
Depending on where you live it is almost impossible
Are you somehow magically bound to the place you live right now? My point never was that you could work at walmart for a year slipping tips down your sock until you can reach the downpayment for your malibu villa, if you don’t mind me exaggerating.
Not magically. Financially, socially, practically. Moving is expensive, viable places to live may shred your social connections, assuming your profession exists where you want to go.
Don’t pretend moving is easy on any level. No, you didn’t explicitly say that it was, but you implied it. Hiding behind semantics like you’re doing is very bad faith.
Just need a small loan from your father for a million dollars, right?
Addressed this earlier, I mean I don’t blame you for not picking it up it’s since grown into a quite a comment tree. But no, my parents are doing average and I’m getting none of the average other than the socks they get me for christmas.
Ok boomer
It really is a disgrace this comment came so late. I was expecting it much earlier.
Me too given how spot on it is.
Do the math - Median house price, median wage of a 20-something, median cost of living.
How would an average 20-something achieve this without assistance?
It’s not impossible, but do you think that’s what we should be shooting for as the leaders of the developed world - you win with intergenerational wealth or a snowball’s chance in hell? Have a little more pride in your country and be less cucked by the interests of those that have ransacked the economy.
Have a little more pride in your country and be less cucked by the interests of those that have ransacked the economy.
I just pointed this out to someone else here, but how I see it, doomer-propaganda like this comic is exactly what keeps the status quo. Making young people scared enough to not even try to improve their situation is exactly what keeps their positions untouched.
I mean we here had this same type a sentiment shoved down our throats, press talking about how impossible it is for young people out there. That was true to me, until I tried out and learned that nah, it aint that bad. Badder than what it used to be, for sure, but not that bad at all.
If you look at the data, the problem is objectively not young people.
I’m about to buy a house in a market where median property value has risen 6x faster than median income since the 70s, meaning I’m being lectured by people who took out a 30 year mortgage to pay off what I’ll have to drop as my deposit (relative to median income). I’m also bidding against the beneficiaries of that capital growth now that they’re downsizing, and my generation’s survival relies on us paying to correct the environmental vandalism they’ve done too.
This is intergenerational class war that’s stomping the brakes on the economy as the majority pours everything they have into keeping a roof over their heads. I’m glad you managed it, but things are dark, and we should be doing better.
Thanks for the good comment!
If you look at the data, the problem is objectively not young people.
Never said it was.
I’m about to buy a house in a market where median property value has risen 6x faster than median income since the 70s
Glad that’s on you radar and you seem committed to it! But is it necessary to buy a property from exactly where the prices have skyrocketed like that? Maybe you do due to work-related issues or something that I don’t know and doesn’t really concern me, but it’s something to think about. Though the folk in this thread have made it look like Finnish property prices have stagnated since the war, that is not the case it some areas where the pricing is absurd but I just didn’t move there, simple as.
I’m also bidding against the beneficiaries of that capital growth now that they’re downsizing
That’s true and I wish you the best of luck in beating them. Just think of the mad landlord who got fucked over by a millennial scrub and you’ll get to sleep your nights good.
This is intergenerational class war
I wouldn’t perhaps go that guillotinie on it, but yeah, what motivates me is causing trouble and havoc among the people I dislike, landlords being one of them. And if I won the bidding war for this house against someone looking to rent it, I know my cock will stay hard for years to come, and I can’t wait to do it again, and I will no matter what encourage people to try to do it too.
with the help of your wealthy parents as cosigners and an income of $150k a year or more
I have no cosigners on my loan and my parents aren’t all that wealthy, not that it matters unless you count the socks I get each christmas as a gift from them large enough to warrant such financial relief.
And I make around 30k a year (4-day workweek btw, excluding summer months) and am single.
Like I said I too was surprised at how easy it was, literally try it before knocking. Though admittedly interest rates were much easier a few years back when I applied for the loan, so that probably changes your mileage.
Silly us, if course your personal experience is a more valuable data point than years of tracking on home prices vs incomes 🙂
Just adding context to it all, buying a house is entirely possible without too much effort and I doubt many of the doomers here have actually tried to own a home. I get the sentiment and how easy it is to fall to despair but try it before you knock it.
If that motivational speech doesn’t get your gears on a roll, let me remind you that by paying rent you are literally feeding the parasites known as landlords, rewarding them for fucking you over, and positively reinforcing that leechy lifestyle they live. Make an effort to be your own lord and fuck yourself over.
Peace
What is “too much effort” to others is definitely not the same as “too much effort” to you.
Are you above the median income for your age group? If so then your not too much effort could easily be way too much effort for more than half the people in your age group.
Checked the stats and I did slightly less than median income of my age group then (~2500€/month vs a median of 2966€/month). And honestly my effort was to home cook as much as I could and not spend money on things I didn’t need. The unironic boomer-tips I know, but it worked.
Maybe my distaste for avocado toast was enough in the end.
As someone who just bought a house this year. I think your case is an outlier. My wife and I make decent money, and didn’t want anything too big. But it still took 3+ years of saving and living in a sketchy part of town just to get a down payment. As rent was increasing and the market was increasing. It would be entirely impossible for someone who is barely scraping by to afford a down payment on a house in a metro or suburb.
Just like your attempt at winning an argument dude took the reigns and fucked himself over, people like this are the ones that rarely can take it on the chin, Jesus that’s sad.
My man are you good? There is no argument, I’m not yelling at you for not being a houseowner or arguing for or against any philosophical or political ideology lmao. I’m just saying it’s entirely possible to buy a home, while acknowledging that it’s super easy to fall into despair like I did. If you choose to not try then don’t, it’s just sad to see you rather help your Lord to live a wealthier lifestyle.
Why you decide to be mad at me is something I really don’t understand but it’s fine.
I bought a shitty house in shitty Toledo for $48k with zero down and a $13/hr job in 2007. I was roughly 22 at the time.
This is probably not possible today.
48k is a bargain though. I mean I checked google maps and yeah Toledo looks kinda ass (sorry Toledoans) but that’s a steal especially considering it was the boom before -08 bust. Prolly could’ve got a nice subprime to along with it.
That’s interesting because at the time, I knew the housing market was falling, and it felt like it was at the bottom when I bought. Previous the same house had been valued at near 70k.
It turns out that shitty places like Toledo were foreshadowing the crash.
The next year in 08, the market value of the house got as low as $25k
If Toledoans could read they’d be so mad right now…
I actually read more about it, and Toledo has an airbase, which naturally makes it based. Currently looking to move to Toledo
It is definitely possible you just have to break in to a high-paying career and dedicate your entire life to working
