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THE Homeless Thread (merged)

What's on your mind?
General interest discussions, not necessarily related to depletion.

Re: Families Flooding Homeless Shelters

Unread postby ReverseEngineer » Fri 14 Nov 2008, 05:20:46

$this->bbcode_second_pass_quote('EnergyUnlimited', '')$this->bbcode_second_pass_quote('ReverseEngineer', '
')All I will predict here is that when all is said and done, you won't see Capitalism and you won't see Communism and you won't see Fascism and you won't see Slavery as working models upon which to rebuild society. All are tried and true failures.

Nope.

From historical perspective slavery & feudal systems which lasted many thousands of years were replaced by capitalism, which doesn't work in long term for the reason of limited resources.
It seems that sustainable feudalism & slavery were substituted by unsustainable capitalism for short term gains.

Communism and fascism were hopeless undertakings which lasted for decades only, so it is pointless to consider these as long term solutions.

I expect feudal systems and slavery to reemerge after capitalism collapsed.
That provided that something like 100 millions+ peoples worldwide survived coming dieoff and I think they will.


If slavery and feudal systems were sustainable, they would not have periodically crashed as the resources ran out. It did not take Capitalism to destroy Babylon, to destroy Egypt or to destroy Rome. Feudalism simply metamorphosed into Capitalism in the aftermath of the Enlightenment and the Industrial Revolution. Feudalism is just Capitalism without the disguise of Economic Slavery. Aristocracy=Banksters, Slaves=Workers, same system by another name, equally unsustainable.

No doubt, in places like Poland, the trip back DOWN the mountain will regress through the systems that were organized to make the trip UP the mountain. If you do NOT fall off a cliff, the best way down a Mountain is to retrace the steps you took climbing the mountain.

Here on the Last Great Frontier, we basically skipped over all those intermediary steps, when the land was purchased from the Ruskies it went from a few Natives living here to an Industrial state based on Oil in less than 100 years really. Alaska only became a State of the US in 1950, barely over a half century as part of this game.

Even today, there are not enough people living here for Alaska to devolve through the failures of the Feudal State and Slavery. Alaska will revert to Tribalism, just hopefully Tribalism powered by Natural Gas off the North Slope :-) Which we will trade by Barter directly for food, Protected by F-16 Jets and Aircraft Carriers powered by the remaining Oil in the ANWR and Uranium mined out of the endless Mountains here on the Last Great Frontier.

Alaskans are a tough bunch, the workers up on the Slope endure temperatures of 30 Below and more to bring down the Oil. Everyone here knows they depend on each other. A small band of very hardy people live up here and we have the stuff everyone wants, and we will PROTECT it, and we ourselves are PROTECTED by Mother Nature and the Mountains. Really BIG MOUNTAINS. The Great Wall that God Built. We could be Nuked, but then you would not get the Oil, the Natural Gas or the rest of the minerals that are still in abundance in these mountains. If you want it, you will have to fight the Alaskans for it, and every last one of them has a gun. Best of luck in that adventure.

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Re: Families Flooding Homeless Shelters

Unread postby Cloud9 » Fri 14 Nov 2008, 07:44:28

I have a better idea. How about letting me swap you some oranges from sunny Florida for a little N.G.
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Re: Families Flooding Homeless Shelters

Unread postby MarkJ » Fri 14 Nov 2008, 09:30:31

$this->bbcode_second_pass_quote('cube', '')$this->bbcode_second_pass_quote('MarkJ', '.')..
I'm amazed at the money some slumlords are getting for run down uninsulated, unheated apartments in bad neighborhoods with no off-street parking.
I think this is perfectly justified.
The slumlords are taking a huge financial risk in renting out to these low-income bad credit people.


True. I'll let apartments sit vacant before I'll rent them to people without sufficient income, credit, references and work history. You'll never recover lost rent, time, money, legal/eviction costs and thousands of dollars in property damages from people without good income, credit and nothing to lose. Even if you win a court judgement, you'll never collect since they often owe money to many other people, owe child support, work under the table jobs, or they're in and out of jail.

Slumlords minimize their risk by purchasing and renting run down tax auction properties and foreclosures. They buy them dirt cheap, don't put much money in them, don't maintain them, do minimal patchwork repairs and don't provide heat and hot water. Many don't have appliances, have bare floors, no insulation, old single pane windows, mid 1900s heating systems, space heaters, electric baseboard heaters, gas-on-gas stoves. I've seen landlords paint over human/pet urine stains, fecal matter, hair, bugs.

Many of these run down apartments cost tenants a fortune to heat in the winter months, plus the heat and hot water systems are constantly breaking down, pipes freezing/cracking/bursting. When you run the numbers, many people living in larger luxury apartments with heat and hot water included are actually spending less money overall.

With landlord tenant law that favors tenants and astronomical operational costs, fewer people want to be landlords these days. They can't give away some of the multi-families at tax auctions. New landlords often last less than a year before they're so overwhelmed with debt, lost time and stress that they want out.
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Re: Families Flooding Homeless Shelters

Unread postby vision-master » Fri 14 Nov 2008, 10:06:23

$this->bbcode_second_pass_quote('', 'M')any of these run down apartments cost tenants a fortune to heat in the winter months, plus the heat and hot water systems are constantly breaking down, pipes freezing/cracking/bursting. When you run the numbers, many people living in larger luxury apartments with heat and hot water included are actually spending less money overall.


Thing is; energy assistance programs are based on the "energy cost concurred" poor ppl spend. In otherwords, spend a bunch to heat the leaky old shack an you get more Gov moola in energy assistance. :razz:
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Re: Families Flooding Homeless Shelters

Unread postby ReverseEngineer » Fri 14 Nov 2008, 10:20:12

$this->bbcode_second_pass_quote('MarkJ', 'W')ith landlord tenant law that favors tenants and astronomical operational costs, fewer people want to be landlords these days. They can't give away some of the multi-families at tax auctions. New landlords often last less than a year before they're so overwhelmed with debt, lost time and stress that they want out.
hw and where does anyone L

Wait a minute. The posulate was a few posts ago that the model o independent ownership of propeties was unreasonable, and we need to go back to more Rental Property. In this post, we are told it doesn' behoove anone to be landlord and rent. If you can;t buy because nobody wll loan you money to buy, if you can't rent because it cost the landlord too much if he does rent, then HOW does anyone live anywhere ecept as a squatte?

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Re: Families Flooding Homeless Shelters

Unread postby vision-master » Fri 14 Nov 2008, 10:20:21

$this->bbcode_second_pass_quote('Northern_Pike', '')$this->bbcode_second_pass_quote('Ludi', '')$this->bbcode_second_pass_quote('Northern_Pike', '
')Having too big of a heart is going to get costly, for those that suffer from that affliction, in the near future.



Really? In what way, you mean bastard?


When the collapse comes full scale, and someone comes to your door looking for a handout, beware it is not a “mean bastard” in disguise. He will intend to make off with all your preps. Unless of course, you are a mean bastard yourself and run him off first with a few warning shots.

The kind-hearted will be taken advantage of. Keep being nice and someone will be along to gather your food and supplies shortly. I must really not be too big of a mean bastard; I really do feel pity for the naive. I wish to warn you, Ludi. I really wish I could make you see and be hard hearted enough to survive. That sort of caring may lead to my own downfall.

- Pike


Pike, I'm ashamed of you.
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Re: Families Flooding Homeless Shelters

Unread postby Specop_007 » Fri 14 Nov 2008, 11:20:35

Roy, I have a *real* hard time believing the article you linked to. You know what they say about statistics.....

Otherwise, ultimately the individual responsible is the one whos name is on the dotted line. They can promise you gold shingles fat rims and big screen TV's. Its their JOB, their salesmen.

Its the buyers job to read the contract and understand what they are signing. As the very old saying goes "Buyer beware". But in todays instant satisfaction society who wants to waste time reading 50 pages that will affect the rest of their live. Much easier to just smile sign and go.

Screw the homeless and screw the bankers who helped them get there.
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Re: Families Flooding Homeless Shelters

Unread postby Aaron » Fri 14 Nov 2008, 12:17:46

I'll violate my own standards by just making up my own statistics on the spot...

I suspect that per capita "wealth" is at an all-time high compared to historic levels globally. More people have more "riches" than at any previous time in human history.

At the same time, much larger numbers than ever before seen, are incapable of acquiring even basic levels of subsistence.

This stratification of wealth seems to become more acute as time passes. The rich/poor gap growing wider every year. Never before has the difference between wealth & poverty been so large.

That's more "nevers" than I'm really comfortable with. It implies some "correction" is pending.

And when I say "correction", I of course mean... fighting.

Would you like to play a game?
The problem is, of course, that not only is economics bankrupt, but it has always been nothing more than politics in disguise... economics is a form of brain damage.

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Re: Families Flooding Homeless Shelters

Unread postby Roy » Fri 14 Nov 2008, 12:54:36

Specop007 wrote
$this->bbcode_second_pass_quote('', ' ')Roy, I have a *real* hard time believing the article you linked to. You know what they say about statistics.....


You are right, those numbers are unbelievable. And alternet is a 'liberal' web site.

Like you, I believe the customer or in this case, the home-debtors, should be responsible for their decisions. Also, it seems pretty apparent that there was a lot of scamming going on by lenders, mortgage brokers, real estate agents, and appraisers.

After all, those folks had every incentive to cheat and the hapless borrowers were being convinced to believe that housing values always go up etc, not just by these lowlifes, but also by a bombardment of advertising and 'flip this house' shows on TV. I guess if they had ever read a book in their lives or had done any research on their own, they might have known that real estate price crashes are a cyclical phenomenon and happen frequently. Sadly many of our countrymen are content to get their news from their favorite TV network and are more concerned with making money and pop culture than their own financial well-being.

Its a big mess. If you aren't smart enough or literate enough to understand the terms of a loan then you probably ought not to sign it.

I don't support any sort of bail out. Perhaps soup kitchens would be a better investment.

And for that matter, if the government is going to bail out lending institutions, why not just declare 'jubilee' and let us all off the hook?
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Re: Families Flooding Homeless Shelters

Unread postby MarkJ » Fri 14 Nov 2008, 13:01:03

$this->bbcode_second_pass_quote('vision-master', '')$this->bbcode_second_pass_quote('', 'M')any of these run down apartments cost tenants a fortune to heat in the winter months, plus the heat and hot water systems are constantly breaking down, pipes freezing/cracking/bursting. When you run the numbers, many people living in larger luxury apartments with heat and hot water included are actually spending less money overall.


Thing is; energy assistance programs are based on the "energy cost concurred" poor ppl spend. In otherwords, spend a bunch to heat the leaky old shack an you get more Gov moola in energy assistance. :razz:


HEAP, Emergency HEAP and the Furnace/Boiler Replacement/Repair programs are also based on income, household size and fuel type as well. For example, people that use heating oil, kerosene and propane get the most money. If you have electric heat (which is common in many apartments), you don't get much assistance considering the expense of electric space heating and hot water production.

The taxpayers are effectively subsidizing waste since homeowners and landlords won't insulate, weatherize, replace windows or replace grossly oversized, grossly inefficient furnaces and boilers as long as the taxpayers are buying them fuel.

Qualification guidelines for Emergency HEAP also cause people to intentionally make themselves "Qualified". :)



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Re: Families Flooding Homeless Shelters

Unread postby MarkJ » Fri 14 Nov 2008, 13:24:55

$this->bbcode_second_pass_quote('ReverseEngineer', '')$this->bbcode_second_pass_quote('MarkJ', 'W')ith landlord tenant law that favors tenants and astronomical operational costs, fewer people want to be landlords these days. They can't give away some of the multi-families at tax auctions. New landlords often last less than a year before they're so overwhelmed with debt, lost time and stress that they want out.
hw and where does anyone L

Wait a minute. The posulate was a few posts ago that the model o independent ownership of propeties was unreasonable, and we need to go back to more Rental Property. In this post, we are told it doesn' behoove anone to be landlord and rent. If you can;t buy because nobody wll loan you money to buy, if you can't rent because it cost the landlord too much if he does rent, then HOW does anyone live anywhere ecept as a squatte?

Rverse Eningger



I'm just saying that it's risky to rent to tenants without sufficient income(s), credit ratings, references, first/last/security. Landlords with decent properties in decent locations have little vacancy/turnover and of couse they don't have as many losses since they have better tenants.

The low end rental market has very high vacancy/tenant turnover and very high landlord turnover, so there are always plenty of desperate landlords willing to rent to high risk tenants. There's always Fresh Meat (New Landlords) for tenants to take advantage of.

Banks are still giving loans to qualified borrowers. Some regions have very reasonable property prices, so even low to mid wage workers can afford a decent fixer upper, modest home or mobile home.

Some singlewide mobile homes are so cheap, people can buy two of them with their tax refund/earned income credit. We gave away 2 dozen of them when we bought a mobile home park for the land.
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Re: Families Flooding Homeless Shelters

Unread postby cube » Fri 14 Nov 2008, 15:05:20

$this->bbcode_second_pass_quote('MarkJ', '.')..
True. I'll let apartments sit vacant before I'll rent them to people without sufficient income, credit, references and work history. You'll never recover lost rent, time, money, legal/eviction costs and thousands of dollars in property damages from people without good income, credit and nothing to lose. Even if you win a court judgement, you'll never collect since they often owe money to many other people, owe child support, work under the table jobs, or they're in and out of jail.
...
You know what amazes me? How incredibly cheap a full size house rents for.
I knew someone who rented out a 3 bedroom house for $1,350. (good neighborhood + reasonable driving distance to shopping and jobs)
There was *suppose* to be only 3 people living in it.
You know how the story ends right?
Eventually 6 people and 1 dog would call that place home. $1,350 / 6 == $225 per person
Aside from living in the basement of your parent's house until you're 60 years old, there is NO cheaper way to put a roof over your head. :)
As the economy contracts I expect this type of living arrangement to become more common.
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Re: Families Flooding Homeless Shelters

Unread postby vision-master » Fri 14 Nov 2008, 15:08:21

$this->bbcode_second_pass_quote('cube', '')$this->bbcode_second_pass_quote('MarkJ', '.')..
True. I'll let apartments sit vacant before I'll rent them to people without sufficient income, credit, references and work history. You'll never recover lost rent, time, money, legal/eviction costs and thousands of dollars in property damages from people without good income, credit and nothing to lose. Even if you win a court judgement, you'll never collect since they often owe money to many other people, owe child support, work under the table jobs, or they're in and out of jail.
...
You know what amazes me? How incredibly cheap a full size house rents for.
I knew someone who rented out a 3 bedroom house for $1,350. (good neighborhood + reasonable driving distance to shopping and jobs)
There was *suppose* to be only 3 people living in it.
You know how the story ends right?
Eventually 6 people and 1 dog would call that place home. $1,350 / 6 == $225 per person
Aside from living in the basement of your parent's house until you're 60 years old, there is NO cheaper way to put a roof over your head. :)
As the economy contracts I expect this type of living arrangement to become more common.


$1,350 Month is cheap? WTF.........
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Re: Families Flooding Homeless Shelters

Unread postby cube » Fri 14 Nov 2008, 17:13:06

$this->bbcode_second_pass_quote('vision-master', '.').. $1,350 Month is cheap? WTF.........
supply and demand.
EVERYBODY wanted to make $$$ off real estate so people were buying homes like crazy in California.
With people buying 2nd and 3rd homes it got to the point there were way more homes then home owners.
//
If you have a 2nd home then you might as well rent it out right?
But the market is ridiculously over-saturated.
There are too many homes, that's why they're being rented out for a pittance.
That was several years ago so rent has probably gone up a little. But still the amount of value for the money renting a home compared to an apartment is extreme.
//
sample calcs
Split a 3 bedroom house with two of your other friends and pay $500 each
or....
pay $1,100 / month and get your own tiny apartment unit
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Re: Families Flooding Homeless Shelters

Unread postby cube » Fri 14 Nov 2008, 18:35:40

$this->bbcode_second_pass_quote('cbxer55', '.').. I agree with that sentiment. Before buying our home, we rented the house next door for 3 years. Three bedroom, two bath, 1500 sq. ft. house on sizable property for $780.00 per month. That never changed during the three year period we rented. I have never paid more than $960.00 per month, and that was for a 1800 sq. ft. house in California bought in 1997.
$1350 per month better get you a huge house.
I can't speak for California much these days because I don't live there anymore. But up here in Seattle I'm paying $760 for a studio that measures 250 sq ft. YES you read that correctly.

You're probably saying to yourself OMG there can only be 1 person per unit right?
Well Legally speaking that's what the lease agreement dictates....but of course that doesn't stop people from inviting their girlfriend, wife, daughter, friend, etc... to live with them.
I've even seen 1 door that had 3 different sets of shoes placed next to the front door. They were all different shoe sizes so therefore there must of been 3 people living in there.
I have nothing against such people for breaking the rules.
Everybody has to do whatever it takes to survive in this economy right? Sharing the cost of rent stretches the budget further.

I guess I'm living large because I get to have my room all to myself. :)
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Re: Families Flooding Homeless Shelters

Unread postby Ludi » Fri 14 Nov 2008, 20:41:43

$this->bbcode_second_pass_quote('cube', '
')Split a 3 bedroom house with two of your other friends and pay $500 each
or....
pay $1,100 / month and get your own tiny apartment unit


I was thinking about this yesterday as I made out my mortgage payment check, how it would have covered barely 1/3 of the rent check for a house in the Valley back when we lived there. 8O
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Re: Families Flooding Homeless Shelters

Unread postby RedStateGreen » Fri 14 Nov 2008, 23:08:56

$this->bbcode_second_pass_quote('Ludi', '')$this->bbcode_second_pass_quote('cube', '
')Split a 3 bedroom house with two of your other friends and pay $500 each
or....
pay $1,100 / month and get your own tiny apartment unit


I was thinking about this yesterday as I made out my mortgage payment check, how it would have covered barely 1/3 of the rent check for a house in the Valley back when we lived there. 8O

We pay the same here as we did in CA, for half again the house and three times the land.

Oklahoma is great. :)
$this->bbcode_second_pass_quote('efarmer', '&')quot;Taste the sizzling fury of fajita skillet death you marauding zombie goon!"

First thing to ask: Cui bono?
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Re: Families Flooding Homeless Shelters

Unread postby cube » Sat 15 Nov 2008, 00:48:35

$this->bbcode_second_pass_quote('cbxer55', '.')..
EGADS!!! Its the MATRIX come true!!!

Exactly what amenities do you get in a "place" like that?
I'm kind of afraid to hear the response.
*goof grin*
I'm within walking distance to:
1) two grocery stores
2) plenty of restaurants
3) a bus that goes straight to downtown and runs every 10min during rush hour
4) a pizza shop that doesn't close until 4:00am
//
IMHO the end of cheap credit will be the first punch that will knock out suburbia. The end of cheap oil will actually come later and that will act as the coup de grace. What do I mean?

We're going to go back to the good old days when banks were actually held responsible for the home loans they issued and of course the risk of default that went with it. There will be No more offloading of risk to hedge funds in the form of CDS (credit default swaps) and MBS (mortgage backed securities) or who knows whatever crazy "financial engineering" was used.
How much would a home loan be if "risk" was properly calculated?
Lets just say most of us wouldn't even qualify for one and for those who do the loan amount will probably only be enough to buy a condo unit in a high density neighborhood or a row house. The single family detached house will die-off and I haven't even mentioned PO yet.

The next time there's a real estate "boom" this is what they will build because that's going to be the only thing people can afford.
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Re: Families Flooding Homeless Shelters

Unread postby Quinny » Sat 15 Nov 2008, 01:25:57

250 s ft for $760 / month.

I can see why you defend the free market. You're actually a philanthropist who likes to support landlords and bankers.

$this->bbcode_second_pass_quote('cube', '')$this->bbcode_second_pass_quote('cbxer55', '.')..
I agree with that sentiment. Before buying our home, we rented the house next door for 3 years. Three bedroom, two bath, 1500 sq. ft. house on sizable property for $780.00 per month. That never changed during the three year period we rented. I have never paid more than $960.00 per month, and that was for a 1800 sq. ft. house in California bought in 1997.
$1350 per month better get you a huge house.
I can't speak for California much these days because I don't live there anymore. But up here in Seattle I'm paying $760 for a studio that measures 250 sq ft.
YES you read that correctly.

You're probably saying to yourself OMG there can only be 1 person per unit right?
Well Legally speaking that's what the lease agreement dictates....but of course that doesn't stop people from inviting their girlfriend, wife, daughter, friend, etc... to live with them.
I've even seen 1 door that had 3 different sets of shoes placed next to the front door. They were all different shoe sizes so therefore there must of been 3 people living in there.
I have nothing against such people for breaking the rules.
Everybody has to do whatever it takes to survive in this economy right? Sharing the cost of rent stretches the budget further.

I guess I'm living large because I get to have my room all to myself. :)
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Re: Families Flooding Homeless Shelters

Unread postby ReverseEngineer » Sat 15 Nov 2008, 05:01:58

$this->bbcode_second_pass_quote('Quinny', '2')50 s ft for $760 / month.

I can see why you defend the free market. You're actually a philanthropist who likes to support landlords and bankers.


In the Gospel according to Cube, those Slumlords really have it ROUGH! All those undependable tenants! The damn Goobermint SUPPORTS them also, its just not FAIR to the Landlords! LOL.

You really have to wonder about people who figure its the rich folks who are getting the shaft all the time? "Damn, we rich folks just pay too much taxes! Those poor foks don't pay ANYTHING! We should have a Sales Tax instead of an Income Tax, so Poor Folks would have to pay tax on everything they buy!"

Its definitely a rough life to be a Slumlord, you have to feel sorry for their endless battles with the Goobermint requiring they actually maintain the property. LOL.

It really does get hard sometimes to take the sh*t dished out by Ubermeister Wannabees here seriously. Wake up call to the UWs. If you get rid of all the poor folks, you won't be rich anymore. You would actually have to Work for a living instead of collecting rent on a rat infested slum. Be careful what you wish for. You just might get it.

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