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The elderly are becoming homeless at a rate not seen since the Great Depression

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Re: The elderly are becoming homeless at a rate not seen since the Great Depression

#801

Post by dkarl »

gottorf wrote: post #754
dkarl wrote: post #727

Earlier quoted context omitted.

> People don't go around memorizing statistics of how likely someone who is exhibiting one kind of antisocial behavior (being obviously high, defecating in public, etc.) would be to engage in another kind of antisocial behavior (committing physical violence upon another person) So you're saying people don't do a rational analysis of the risks... but calling it "irrational" is strange? Lots of human behavior is irrati…

> So you're saying people don't do a rational analysis of the risks... but calling it "irrational" is strange? GP's wording implied that rational people take public transit because they've done the risk-benefit analysis, and irrational people don't. I'm not sure if there's actual evidence behind such a risk-benefit analysis. > people would benefit from correcting, through education and changing social assumptions. If…

How many places have public transit systems used by older people, and how many have accomplished this by policing the antisocial behavior away? It seems like it is at least as easy to get older people to use public transit where they might see people with mental illness and addiction than it is to keep mental illness and addiction off of public transit. In countries that value civil liberties it is probably easier. As you observed, fear is driven by perceptions and rare incidents of violence covered in the media, not by statistics, and you can't pull somebody out of a bus or a subway car because they contribute to somebody's fear. You can arrest and remove a person who shits on the floor or threatens somebody, but for every one person like that, there are twenty people who are obviously in bad shape, obviously suffering, and look like they might do something alarming at any moment. You can't arrest and remove those people. You can get people to ride public transit despite the odds of seeing people like that.

Re: The elderly are becoming homeless at a rate not seen since the Great Depression

#802

Post by CWuestefeld »

voidwtf wrote: post #775
CWuestefeld wrote: post #287

Earlier quoted context omitted.

Not disagreeing with your observations, but I'd like to add property taxes, and most specifically, the portion used to support public schools, to your list. Excluding the past year, this is where I've seen the greatest increases in my expenses. And since it's government creating most of this, it's hard to imagine that there's any relief to be found by looking towards government for a solution.

I think you may have missed that Florida passed a school choice act, and that tons of funds are now flowing into private religious schools. A ridiculous waste of money, especially considering a majority of said schools raised their tuition rates to just absorb the new funding. DeSantis policies at work.

I'm not religious myself, but I still think it's pretty ridiculous for you to assume that this mode of education has no value. Isn't our modern watch word supposed to be "tolerance", and not objecting to other members of our community following their values even when those are different from our own?

Re: The elderly are becoming homeless at a rate not seen since the Great Depression

#803

Post by Sohcahtoa82 »

c_crank wrote: post #214
fifticon wrote: post #190

Earlier quoted context omitted.

I wonder why the Robin Hood issue is never a problem when money is moved in the opposite direction :-)

Did anyone force all those students to take student loans?

This is a bad faith question.

Sure, nobody forced them to take out loans, but for me, the propaganda all throughout high school was "If you want a high paying job, you need to go to college!" and then was told not to worry about the costs and student loan payments, the higher paying job will pay for itself.

Four years of every adult you trust. Your parents, teachers, counselors, and other school faculty. The same message. Go to college. Go to college. Go to college. Don't worry about the loans, the higher salary will pay for it. It's an investment. It doesn't even matter what you get a degree in, employers just like to see you had the discipline and sense of responsibility to complete it.

And then we get out of college, and then we find out we've been lied to. We were children and the adults that we were supposed to trust were lying to us. The degree didn't guarantee a job by any means. Worse yet, many jobs require the degree, but then pay $20/hr, while you're trying to pay $700+/month in student loan payments.

And then dickheads like you come in and pour salt on the wounds.

In short, people with an attitude like yours need to get fucked. Children are being lied to by the adults they trust, and then getting blamed for not being able to handle the responsibilities they took on based on the lies.

Re: The elderly are becoming homeless at a rate not seen since the Great Depression

#804

Post by unethical_ban »

pnutjam wrote: post #425
unethical_ban wrote: post #320

Earlier quoted context omitted.

The only problem with apartments in the US is the lack of equity.

Equity is a red-herring. People just want a place to live. Developers want equity.

A place to live is a base of the hierarchy of needs, but giving away $2000 to someone else for a place to live vs. putting $2000 a month into your own assets is not a red herring.

Developers want equity because it is financial security and passive income for them. Regular Joes want it so they don't pay rent in perpetuity; that they may have a place to live in old age without working, among other reasons.

Re: The elderly are becoming homeless at a rate not seen since the Great Depression

#805

Post by unethical_ban »

gruez wrote: post #446
unethical_ban wrote: post #312

Earlier quoted context omitted.

If more people actually owned, that's a positive.

1. Homeowners being a powerful political bloc and using that power to stop development is part of the problem in the first place 2. Buying a house makes sense if you're a starting a family and/or setting down roots, but that's not everyone's situation. Students or young professionals get utterly shafted by lack of rental housing, because they don't have the income or the credit to buy a house, and they don't intend o…

You're not entirely wrong. Housing should be seen as more than just a place to live but less than a moneymaking investment - it should be seen as basic housing security for those who want roots as you said. NIMBYs do screw things over sometimes, I agree. And liquidity in mid-term housing supply is important. But I suggest that it would be better for society in the long term if more people had a stake in where they live.

Re: The elderly are becoming homeless at a rate not seen since the Great Depression

#806

Post by Gibbon1 »

jongjong wrote: post #16

Part of the problem is government regulation. In some places, it's almost impossible to build new houses due to regulations. Some portion of the population wants to see house prices continue to increase and they will vote for politicians who will implement policies which will support that agenda. Of course this happens at the expense of another, also large portion of the population who do not own a house and have to…

I remember something you absolutely do not remember about cities in the bay area 50 years ago.

There was open land inside cities in the bay area 50 years ago. All zoned for housing. And there were tracts of open land between cities.

It's all gone. There isn't any infill to be filled.

In the meantime it's become obvious that development model, convert another 100 acres of farmland to single family housing and add another lane to the freeway is terrible.

Re: The elderly are becoming homeless at a rate not seen since the Great Depression

#807

Post by c_crank »

Sohcahtoa82 wrote: post #803
c_crank wrote: post #214

Earlier quoted context omitted.

Did anyone force all those students to take student loans?

This is a bad faith question. Sure, nobody forced them to take out loans, but for me, the propaganda all throughout high school was "If you want a high paying job, you need to go to college!" and then was told not to worry about the costs and student loan payments, the higher paying job will pay for itself. Four years of every adult you trust. Your parents, teachers, counselors, and other school faculty. The same mes…

Why keep calling these people children past the age of twelve? There's a term for that period. Adolescence. It's supposed to imply some level of growth in independence and the ability to discern reality.

Yes, these adults gave these teenagers terrible advice. But the fact of the matter is, they can see exactly how much they would have to pay, with a job that they had no guarantee of. Teenagers of the current age have stopped listening to that advice. If you are stuck with the loans now, all you can do is call out mom, pop, and teachers for misleading you, but also yourself for believing them.

Re: The elderly are becoming homeless at a rate not seen since the Great Depression

#808

Post by Sohcahtoa82 »

c_crank wrote: post #682
kjkjadksj wrote: post #679

Earlier quoted context omitted.

Covering compound interest isnt even a requirement in high school

Compound interest shouldn't be the primary factor in rejecting a four to five digit loan when you have low or zero income.

> four to five digit loan

Bro, when did you last look at the cost of college, the 70s?

I went to a community college and then transferred to a state college that was also in my town, so I didn't have to pay absurd dorm expenses. I worked 30-35 hours a week while going to college.

I still came out with ~$45K in loan debt.

And you're proposing even the possibility of a four-digit loan?

> when you have low or zero income.

Have you missed the part where adults are lying to children and telling them that the high salary their degree will earn them will pay for the loan?

Re: The elderly are becoming homeless at a rate not seen since the Great Depression

#809

Post by pnutjam »

unethical_ban wrote: post #804
pnutjam wrote: post #425

Earlier quoted context omitted.

Equity is a red-herring. People just want a place to live. Developers want equity.

A place to live is a base of the hierarchy of needs, but giving away $2000 to someone else for a place to live vs. putting $2000 a month into your own assets is not a red herring. Developers want equity because it is financial security and passive income for them. Regular Joes want it so they don't pay rent in perpetuity; that they may have a place to live in old age without working, among other reasons.

As if you can live anywhere without paying in perpetuity.

If there wasn't an endless drive to increase the value of homes, this would all be moot.

Re: The elderly are becoming homeless at a rate not seen since the Great Depression

#810

Post by rcarr »

hotnfresh wrote: post #722
rcarr wrote: post #669

Earlier quoted context omitted.

I still hold out hope that Silicon Valley will take over the education system before then. I've recently started Math Academy and I'm quite impressed with it. Duolingo still needs work but it's improving. I think (hope?) tools like this will eventually take over - they're certainly better than the dire excuse for an education I received.

My expectation is that SV will siphon off quite a bit of money, but have little effect on outcomes. I expect it will be part of how some school districts try to deal with staffing shortages without significantly increasing wages—I think we’ll see several different tech-enabled attempts at fixes—but that all will basically fail. I do expect a few model schools will succeed with them, and be used to sell the rest, but…

But isn't the hope that if we get these apps right, then the competence of the leadership and the staff doesn't matter so much anymore, just the drive of the individual student?
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