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Forum » 75% of parents of adult children are helping them pay bills.
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Thread: 75% of parents of adult children are helping them pay bills.

post 1547650281 03-28-2018, 12:38 PM
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#91
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Originally Posted By Cesarbruh⏩
no it didn't, if people are investing here that's a good thing
Housing by and large is not a productive asset. Investment money should be producing something, not speculating on real estate.

People need a place to live and I think government policy should make it explicitly unattractive to drive up the price of housing. Land value tax? Something like depreciation in Japan? Massive transaction fees? I dunno.

Look at Canada and Australia- their economies are 80% hyper inflated real estate bubbles driven by Chinese money, 20% mining (totally dependent on China). Young people cannot afford to live there. There is nothing good about any of this.
post 1547650661 03-28-2018, 12:42 PM
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#92
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Originally Posted By gatovolador⏩
Average wage is higher, but housing costs are much higher. For example, if I lived in Tucscon, I could buy a house for $120k. That's doable on a down payment after a few years of savings from a $30k job. Let's call that a 4x multiple of salary to house price. If you are a guy I know, consultant, making $150k in Los Angeles, he's looking at a 6x multiplier to buy a little house, minimum, unless he wants a 2 hour commute.

To afford a $500k house, you need to be able to pay a $2k/month mortgage on $100k down, it can be done on $60k, but you are going to be super stingy. That's a poverty house though. In any of the big cities, you are looking at $1m, which is $200k down with $4.5k/month, which means you need to be making $150k or so, and that's just to make payments and still have money for repairs and save $10k a year for retirement (not enough, buddy).

Living where you can afford has a huge problem- there aren't any good jobs there, which relatively few exceptions. Now if your job is crap and you have no ambitions, sure. But if you wanna have a shot at the American dream, the city is where you have to go.
Those numbers don't seem crazy to me.... btw you can't afford a 500K house with a 60K salary, that is the definition of house poor. Not to mention, if you only make 60K/yr in metropolitan california, you have a crap job like I said.

For houses that require 4.5K/mo mortgage, those homes are for families, and also not doable with 150K. You probably need 200K+ AT LEAST but that should be for a two-income household.



This boils down to the fact that to live in LA you need a good job that pays a lot... no secret it's one of the least affordable markets in America. No one is forcing you to live there.
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post 1547650791 03-28-2018, 12:43 PM
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#93
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ITT all kinds of Misc financial advisors fuking lmao
Always remember, that YOU are the most important person in your world.

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post 1547650811 03-28-2018, 12:43 PM
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#94
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Originally Posted By Cesarbruh⏩
Wages do not matter, it is buying power that matters



no it didn't, if people are investing here that's a good thing

The reason why housing has exploded since the 70s is because of the federal reserve's reckless lending habits, they've artificially suppressed interest rates to keep them low (past decade was near 0%) and this leads to increase demand in housing which props up the prices- this is exactly what caused the housing bubble in 08 (subprime mortgages, loans that should not have been made)

Now that interest rates are rising again, people will default on loans they can't afford popping the bubble once again. All of this was NOT possible under a gold-backed dollar as the fed could NOT create money out of thin air, now they can and now they use that money to make and pull loans out their asses skewing the entire economy
The only two entities that stand to make money and benefit directly off of allowing foreign investors being able to buy property in the USA is the US government and banks. Everyone else won't see a dime, yet housing prices skyrocket 300%+ while our wages have only gone up 40% in the past 25 years

There's a huge difference between people moving here, living here and buying a house compared to buying property in the US and then eventually funneling the profit back to their home country.
onion crew
post 1547650841 03-28-2018, 12:44 PM
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#95
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Originally Posted By gatovolador⏩
Housing by and large is not a productive asset. Investment money should be producing something, not speculating on real estate.

People need a place to live and I think government policy should make it explicitly unattractive to drive up the price of housing. Land value tax? Something like depreciation in Japan? Massive transaction fees? I dunno.

Look at Canada and Australia- their economies are 80% hyper inflated real estate bubbles driven by Chinese money, 20% mining (totally dependent on China). Young people cannot afford to live there. There is nothing good about any of this.
Great idea, have the government tell people where they can and can't live.

Don't want to have housing prices go up? Get daddy government to intervene.
Need more diversity in your neighborhood? Get daddy government to intervene.
Need housing for seniors or disadvantaged in a neighborhood you can't afford to live in? Get daddy government to intervene.

Before you know it, you'll get to ask the government if you can buy a house before you actually make an offer. Sounds great. **** personal responsibility, if Mr. Gatovolador can't afford to live in the house he wants, he'll make his lord and savior uncle sam lower the price of housing.

Maybe you should join Butters worshiping down at the DMV.
post 1547651671 03-28-2018, 12:53 PM
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#96
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I pay my own way financially without my parents help. However, I did get some assistance from my dad last year as I had to get surgery and my medical expenses got out of hand, so he gave me some financial relief in that department.

I know people (21-24) who are in college, don't work, and have mommy/daddy's credit card and use that to pay for everything.
"If you don't believe in yourself then why is anyone else going to?"
post 1547651921 03-28-2018, 12:55 PM
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#97
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What if they offer to pay for your **** even if you have money yourself? My dad bought me a flat a few years ago and now he wants to buy me a car, we legit got into an argument, I'm fine with my current car.
post 1547651951 03-28-2018, 12:55 PM
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#98
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Originally Posted By ryanpdma⏩
I'm 24 and my parents paid for my tuition. They are also willing to pay for grad school. I see nothing wrong with that, it's not like I waste money on drugs and escorts.

But yeah if you're a young adult and ask mommy & daddy to pay for a new iPhone, that's kinda gay.
YO - no one really cares that you're a "Level 1 CFA candidate crew"... what do you want? A congratulations on registering for an exam?
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i can bench press 135 pounds on a good day
post 1547651981 03-28-2018, 12:56 PM
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lol I'm part of this 75%. My mom pays for everything, its sort of her fault. She never let me get a job until i was done with school
post 1547654551 03-28-2018, 01:23 PM
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#100
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Originally Posted By Jacobcapra⏩
Maybe don't live in cuckfornia and you won't pay 50% in taxes?
It doesn't change the fact that 50% in taxes is what the average American pays (who knows the real tax rate as again, taxes are hidden in the costs of goods)

EVERY process is taxed, from the gathering of materials to the wages of the workers, tools of the workers, production of the tools, transportation, wages for transporters, maintenance of the transporters (trucks), etc

It's clear taxes are what's preventing financial independence along with regulation (i.e. less freedom today vs 1950)

Originally Posted By gatovolador⏩
People need a place to live and I think government policy should make it explicitly unattractive to drive up the price of housing. Land value tax? Something like depreciation in Japan? Massive transaction fees? I dunno.

Look at Canada and Australia- their economies are 80% hyper inflated real estate bubbles driven by Chinese money, 20% mining (totally dependent on China). Young people cannot afford to live there. There is nothing good about any of this.
regardless we still benefit- look at all the vacant homes in Detroit- it'd be better if they were actually owned and fixed to attract buyers or renters at competitive prices. Government policy IS what caused the spike in housing- we do NOT need more. Again, maximizing opportunity is the only way to establish financial independence and you can only maximize opportunity by maximizing freedom and eliminating taxes and regulations, central planning does not work
Originally Posted By FearThisjake⏩
The only two entities that stand to make money and benefit directly off of allowing foreign investors being able to buy property in the USA is the US government and banks. Everyone else won't see a dime, yet housing prices skyrocket 300%+ while our wages have only gone up 40% in the past 25 years

There's a huge difference between people moving here, living here and buying a house compared to buying property in the US and then eventually funneling the profit back to their home country.
Read my post above, you can't rent without someone owning a home (foreigner or not) nor can you sell without a buyer (foreigner or not)

Foreign investment is insignificant compared to the lending practices of the federal reserve. They are directly responsible for inflating every bubble. The reason why wages have not risen relative to costs is b/c of inflation (money printing/reckless lending) and taxation.

The only difference between today and the 1950s =less freedom (more regulation, taxes, etc), fiat currency devalued thanks to no gold standard which leads to excessive printing (inflation=less buying power) Opportunity leads to wealth, and regulations+taxes destroy opportunity
post 1547654691 03-28-2018, 01:24 PM
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#101
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That feel when I help my mum pay her bills.
There is but one path....we kill them all.
post 1547654811 03-28-2018, 01:26 PM
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#102
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So parents are willingly paying for THEIR child and bunch of nobody's on the internet have a problem with that. Who would have thought eh!
I measly rep back, always.
post 1547655001 03-28-2018, 01:27 PM
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#103
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Originally Posted By Tdriin⏩
That's a lot of cucks who can't manage their own life. I feel for their parents. Must be embarrassing to have same genetics as these wimps.
Says the bitch living in the place most known for welfare. It’s easy when you can show your tits for money I’m sure
post 1547655111 03-28-2018, 01:29 PM
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#104
  1. Jacobcapra
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Originally Posted By Cesarbruh⏩
It doesn't change the fact that 50% in taxes is what the average American pays (who knows the real tax rate as again, taxes are hidden in the costs of goods)

EVERY process is taxed, from the gathering of materials to the wages of the workers, tools of the workers, production of the tools, transportation, wages for transporters, maintenance of the transporters (trucks), etc

It's clear taxes are what's preventing financial independence along with regulation (i.e. less freedom today vs 1950)
No, 50% tax is not a fact. The example you posted was for the highest taxed state in the US, and with an incorrect federal tax, and it still didn't reach 50%. Average taxes are ~25%, including state tax, sales tax, property tax, etc.

The average federal income tax rate is 14%, literally half what you claimed is average.

https://www.fool.com/taxes/2017/03/1...-in-taxes.aspx
https://www.npr.org/templates/story/...ryId=129712761




Btw the image above is from 2010, so payroll taxes would actually be lower.... average tax is probably more like 22-23%

Literally have no clue what you're talking about... pisses me off.
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post 1547655121 03-28-2018, 01:29 PM
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#105
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Their parent got paid better.

We are the first generation in over 120 years that has had this issue
post 1547655241 03-28-2018, 01:30 PM
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#106
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Originally Posted By Jacobcapra⏩
The dollar hasn't lost 98% of it's buying power since 1913.... for example in 1913 an average loaf of bread was $.07. In today's dollars, that $0.07 equates to $1.79 for which you can still buy a loaf of bread. The buying power is comparable.
Make Europe Germany Again
post 1547655271 03-28-2018, 01:31 PM
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The cost of living has gone up compared to generations ago, and with all this information you can find on the internet, more and more people are realizing how stupid it is to move out at 18 and then struggle your whole life like our parents and grandparents did. People are now realizing it's more smart to help each other out till you got your chit situated. Times change, traditions change, I wouldn't call it failing times, just the way it is.
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post 1547655411 03-28-2018, 01:32 PM
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#108
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Originally Posted By Cesarbruh⏩




1. When speaking about losses in dollar value, it's relative to the price of gold since the dollar was initially backed by gold. Relative to gold, the dollar has lost 98.5% of its value gold today: $1350
Gold in 1913: $20
Bread is not the standard lmao

2. Again, this is relative to the time-period. In the 50s/60s, a year's income at a regular job can afford you a home. How can you claim housing is not through the roof when we just experienced a housing bubble and the majority of Americans cannot afford housing today? Artificially low interest rates (cheap credit) are to blame for the burst in housing prices along with property taxes.

3. 25%-30% in taxes? Lol....Fed tax: 28%, State tax:1%-5% Medicare, medicaid, social security, property tax (7% of income for me), gasoline tax (50 cents on average per gallon of gas), licensing, capital gains tax (15%), sales tax (9% for me), inflation 2% etc etc


With federal+state+sales tax+property tax alone, the average person is already at 40%+
This doesn't even include the taxes that are passed down to the consumer which are hidden in consumer prices and inflation which costs us 2% buying power a year on average.
the inflation tax is probably more like 7% unless you somehow avoid buying food, fuel, etc.
Make Europe Germany Again
post 1547655671 03-28-2018, 01:36 PM
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#109
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Originally Posted By Ratfish⏩
So we're supposed to remove inflation from the equation?
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post 1547655791 03-28-2018, 01:38 PM
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#110
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Originally Posted By Jacobcapra⏩
So we're supposed to remove inflation from the equation?
you speak of it as though it's a positive phenomenon for the average person

given wage stagnation, how does one compensate?
Make Europe Germany Again
post 1547655961 03-28-2018, 01:41 PM
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#111
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Originally Posted By Ratfish⏩
you speak of it as though it's a positive phenomenon for the average person

given wage stagnation, how does one compensate?
I'm not saying it's a good thing, but saying buying power is changed without accounting inflation is stupid. The US dollar is a fiat currency, and is being compared to itself at a time when it wasn't.
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post 1547656091 03-28-2018, 01:43 PM
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I don't pay tuition because I have a scholarship and I'm pretty independent. I don't think it's bad to help your kids since as a student you can only work a certain amount of time and you should focus on studying anyway
~~Cardio Bunny ~~ Eastern European ~~
post 1547656121 03-28-2018, 01:43 PM
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#113
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Originally Posted By Jacobcapra⏩
I'm not saying it's a good thing, but saying buying power is changed without accounting inflation is stupid. The US dollar is a fiat currency, and is being compared to itself at a time when it wasn't.
Make Europe Germany Again
post 1547656261 03-28-2018, 01:44 PM
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#114
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To be fair when you get a job you are working your ass off to make some older person richer who usually has no business being in a management position with their outdated skill set.
post 1547656291 03-28-2018, 01:44 PM
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#115
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Originally Posted By Ratfish⏩
Strong Y axis.... that graph is straight up pandering for people like you.
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post 1547656691 03-28-2018, 01:49 PM
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#116
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Originally Posted By Jacobcapra⏩
Strong Y axis.... that graph is straight up pandering for people like you.
obviously starts at 100%
Originally Posted By CHARBACK⏩
To be fair when you get a job you are working your ass off to make some older person richer who usually has no business being in a management position with their outdated skill set.
and that manager can then take your labor units and pay for his daughter's gender studies degree

the circle of life
Make Europe Germany Again
post 1547656931 03-28-2018, 01:52 PM
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#117
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You can clearly see which posters had good parents who helped them and ones chit-tier parents who did nothing... LMAO





Inflation is insane, job prospects are low, and things aren't getting better. I would help my son/daughter financially in a heartbeat to make sure they had a leg up over other kids with chit-teir parents. Lol @ not doing anything you can to help your kids out, just lol.































































































Stay salty MISC'ers with chit-tier parents and lives... sorry they didn't care enough to help you out. lelzzz
Outdoors brah is a purely fictitious persona. Any contextual or graphic creation, opinion, or post made by Outdoorsbrah is not a reflection of real life or reality in any manner, expressed nor implied.

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post 1547657031 03-28-2018, 01:53 PM
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#118
  1. Jacobcapra
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Originally Posted By Ratfish⏩
obviously starts at 100%
Yeah but the implication is that people owning the US dollar getting poorer, and it's not true. Wealth is about the assets not the number of dollars the asset represents, especially with a fiat currency.


The fact is that if the US dollar was still backed by gold and bread still costs you $.07 you wouldn't be making what you make now; typical wages would be like $0.50 an hour.

Society would be the same, you would be just as rich as you are now but the number of dollars that constituted being rich would be different.
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post 1547657581 03-28-2018, 01:58 PM
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#119
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Originally Posted By Jacobcapra⏩
Yeah but the implication is that people owning the US dollar getting poorer, and it's not true. Wealth is about the assets not the number of dollars the asset represents, especially with a fiat currency.


The fact is that if the US dollar was still backed by gold and bread still costs you $.07 you wouldn't be making what you make now; typical wages would be like $0.50 an hour.

Society would be the same, you would be just as rich as you are now but the number of dollars that constituted being rich would be different.
convert dollars to bread in 1913
bury in time capsule
dig up today
????
profit
Make Europe Germany Again
post 1547657681 03-28-2018, 01:59 PM
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#120
  1. Jacobcapra
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Originally Posted By Ratfish⏩
convert dollars to bread in 1913
bury in time capsule
dig up today
????
profit
yeah with your gigantic $100 in savings circa 1913. You prove my point with your potato troll.
**Georgia Crew**
**Mechanical Engineering Crew**
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01/02/2018 - 202.2 lb.
Current - 181.4 lb. (1/23/18)
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