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Posts posted by UrbanAchiever
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5 minutes ago, Enchubben said:If you can’t afford a FHA loan with a 3.5% down payment, your chosen house is too expensive or you shouldn’t be buying a home. We should be focusing on policies that lower costs and reduce the inflation of the last 3 years so that people can afford to keep their homes once they’re in one rather than giving them the down payment on a home.
There are millions of people who can capably make a mortgage payment but can't come up with $25K for the down payment because things like exorbitant rents, child care, and student loan debt eat into any opportunity to save. And they can't hit up their parents or grandparents for the money either because they don't have generational wealth. Do these people just need to save until they're 50 to buy a house?
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10 minutes ago, TexasEd said:
On the housing situation, it's a pretty complicated topic. What are the causes of the problems (too many funds buying up single family homes, foreign investments, etc.), what are potential side effects (crashing home prices) and how do you thread the needle of bringing more affordability without side effects?
I think we need to make sure that we incentivize home ownership by individuals and maybe that comes at the expense of the funds and foreign investment. Is it propping up first time buyers or slowing the pace of conversion to investment properties? Probably both.
We've seen what's happened in China with all the empty dwellings bought up as inflated investments. We need to head that off here. Not saying they are empty but the investment homes are impacting the market negatively.
Exclusionary zoning is a much bigger culprit for our housing crisis than institutional funds snatching up single-family inventory.
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17 minutes ago, BrickHorn said:That analysis is painfully stupid and self-serving. The mortgage deduction is essentially a reduction in the net interest rate. And as we saw clearly a couple years ago, changes in the interest rate directly impact prices.
But please, continue to bend over backwards to explain why you’re not a hypocritical welfare queen who bitches about small benefits to others while gleefully reaping massive handouts for yourself.
As Matthew Desmond pointed out in his most recent book "Poverty, by America," on an average per household basis, the mortgage interest deduction is a much larger handout than a housing voucher. But we collectively tend to consider the former a tax break and the latter a handout based purely on the respective demographics they benefit.
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14 hours ago, kingkoopa6 said:
3:30 is stupid fast…
Imagine your local gym or whatever’s treadmill.. and you put it at max speed (typically 10) it still won’t get you 1500m in 3:30
Yeah not even close. 10 top speed is 6:00 flat pace. My home treadmill tops out at 12 (5:00 flat). You need the high end 14-15 max speed treadmills to even replicate their pace.
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3 hours ago, Jive Turkey said:
this is the one i've been waiting for the most. holy shit, this is going to be 🔥🔥🔥
Seconded. Kerr vs. Jakob will be epic, and an American might crack the podium between Hocker and Nuguse. I'm leaning Hocker based on the semis heats.
And then the women's 200m is also shaping up to be spectacular. It's wild that Gabby and Julien both train in Austin but under different coaches. We've got some exceptional talent around these parts.
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These chucklefucks ever take accountability for anything?
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8 hours ago, Dutchrudder said:
Is this a typo??
It's the Latin word for "with" as in "summa cum laude" which means "with highest praise/honors." It's like when people use "sans" instead of "without."
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They let Virginia back in the tournament? 🙃
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6 hours ago, YGIFS said:
if anybody needs a laugh this morning, call 605-773-323 and say, "I'm with the office of Supreme Leader, Kim Jung-Un and would like to schedule a follow-up meeting." The tirade that the woman throws is the pep in your step you're looking for.
Are you going to make us guess the 10th digit?
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C'mon down, Jessica Cisneros, and take the seat you should already be occupying.
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1 minute ago, aggie08 said:
That's fair. I'm certainly no Howard Stern historian, but I thought it was pretty widely known that he's gone off the deep end a little since COVID and his political leanings aren't exactly subtle. If the remaining audience is broader than I'm giving them credit for, all good. Nothing wrong with a relatively "safe" interview.
His political leanings aren't that subtle, nor are they that cut and dry. It's kind of a progressive libertarian view where he largely just wants the government to leave people alone. There's no doubt he understands what's at stake with this election and the threat Trump poses to the country so I have no doubt he pressed for this interview to give Biden an opportunity to communicate to his listeners - some of whom could just as easily vote for the J.D. Vance's of the world as much as Biden. It's an odd assortment of political beliefs. FWIW, I've been listening to Stern since 2004.
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10 minutes ago, aggie08 said:
Huh. Did someone not tell his media team that Howard isn't exactly popular among the young folks anymore?
Stern has a wide cross section of blue and white collar listeners that are important to appeal to. I think it's a wise interview.
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Anyone around here a d1softball.com subscriber? Would love to read their recaps of the past couple games but paywalled.
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Rotation could be salty once Ray returns. Webb, Snell, Ray, Harrison, Hicks will be a solid 1 thru 5 if that ends up being the rotation. No clue what to expect out of the bats other than it will look demonstrably different thanks to the additions of Soler, Lee and Chapman. I had tepid expectations leading into the off-season, but I like what the front office managed to get done despite continuing to whiff on the top FAs.
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Jasmin finishing Barkley is arguably the single greatest running accomplishment of the past decade. And that ultrarunning piece is fantastic.
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23 minutes ago, YGIFS said:
So tomorrow, Abbott's choices are to either go to a place in Texas that actually needs his help but is full of trees falling over. Or go to a place in Texas that he's not really needed except to be at the perfect height to suck on orange scrotal sacks. And yes, Lobo cliche---new band name.
I'm from the panhandle. There are maybe 11 trees between Lubbock and Canada.
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It seems like we may be decent at softball this year.
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This is a tragic loss for the running community. He broke Kipchoge's WR in just his 3rd marathon, and he was poised to rewrite all the marathon record books. I met him at the Nike store on South Congress a couple months ago as part of The Running Event. He was really down to earth and soft spoken. I gathered he was still adjusting to the international spotlight which can be hard for a 24 year-old. I ran that Chicago Marathon, and he graciously signed my participant shirt from it and included his time.
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10 minutes ago, DigglerontheHoof said:
Yeah, the "kids are playing football in place of paying attention to Jeeezus", is....interesting.
Meanwhile, Brock Purdy kicked off his postgame interview by thanking God. That's some 4d chess deep state psy oping.
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Haven't really checked in here like I have in the past. Had an up and down '23. Highs were PRs in the 5K (16:22), 10K (34:30) and Half (1:14). Took 2 minutes off my 10K and nearly 6 off my half which I'm thrilled with considering I'm 45. I switched run clubs and coaches in February, and it paid off. I had a terrible full in Chicago (2:52), but the highlight was just participating in the marathon that Kiptum set the new world record in. That was two bad marathons in a row so gotta figure that out next year.
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Infrastructure is much more efficient and cheaper in the long run when it supports densely populated areas vs. sprawl.
And I'd argue exclusionary zoning is a much bigger stain on our country's recent history than whatever happened in the 60s/70s. The intent of exclusionary zoning was literally to keep communities of color out of neighborhoods when it became illegal to do so through explicitly stated restrictions (commonly deed restrictions).
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Yeah, and San Francisco is still 75% plus zoned single-family, and Portland largely was predominantly single-family zoning up until recently. These cities have practiced what we've been practicing which are exclusionary housing practices that protect existing homeowners at the expense of future ones through constriction of supply.
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Now look at central city neighborhoods without PUDs like Mueller, and see which homes are most affordable. What you'll see is that the housing inventory on shared lots is the cheapest in the neighborhood, housing that was largely illegal to build until now.
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4 minutes ago, FirstTimeCaller said:
Ah yes, Mueller, where density has led to affordable middle-class homes.
25% of the Mueller housing stock is for low to middle-income households. There are at least three low-income communities (Wildflower, Aldrich 51, the Jordan) and a couple more in the works for households up to 60% median family income, and 10% of the for sale stock is set aside for households earning up to 80% median family income.
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2024 Presidential Election Thread - Let's keep the party going.
in Cloak Room
Posted
Or just severely restrict exclusionary zoning or just outright ban it. We've largely manufactured the housing crisis by artificially dampening the supply through outdated land use policies that are exploited primarily by homeowners who don't want homes built near them.