IM FUCKING SICK OF PAYING RENT it's literally pissing money away

Live in your car.

>>1689661
You're going to love paying property taxes on property that you "own".

>>1689727

This.

Both options suck. Owning sucks less if you play the game correctly.

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Owning sucks less if you have no mortage. If you have to put huge down payments and have 20 years to pay you are gonna get fucked

>>1689661
I live on a van, I am getting used to it and I am starting to enjoy it, I don't have to worry about paying some fucking Jew 2/3 of my money

I live with my parents and have for the two years since I graduated college. In fact, I turned down a better job with greater career outlook to do so because that was in NYC while I'm in one of the lowest cost-of-living areas in the US, so I come out way ahead

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>>1689661


>Be Me
>Move to da hood
>Find 4br
>Rent three rooms to strangers
>Free rent + All bills paid


P.s. don't talk to neighbors and you'll be fine


pp.s don't buy a Honda

>>1689869
>renting to strangers non-ironically
>in an urban area

any good stories?

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>>1689898

Made the mistake of renting out to a black girl tryna get my dick wet

She lets over "literal" thugs
they usually stop coming over after the first visit because I'm also black & my street is known for setting people up.

Other tenants are chill

Can't wait till the girl leaves, though I'm considering renting my room out and using the $$$ to pay 1/2 of my rent for a single apt at a better location.

Only problem is everyone might leave because usually I'm the middle-man to everything.

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>150k house
>35k down
>would still pay 85k in interest over the life of the loan
>property taxes when no kid to send to school

Sometimes I wonder what the point is..don't think this area is going to appreciate that much. Would def consider the duplex/multifamily route next time.

>>1689859
i imagine living in the van would work better.

>>1689661
Buy a cardboard box then faggot

>>1689859

Where do you shit?

>>1689923
in my area the property taxes are as high as the mortgage payments kek.

>>1689863
also did exactly this
im nearly at 2 years as well

>>1689927
Are you serious?

Any store or restaurant. If you have to shit at night, go in the woods or somewhere hidden.

>>1689820
It still pays off more than rent. Rent is throwing money away. Owning you own the appreciation and equity built up.

>>1689914
How can you live not scared for your life. Pls reply

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>>1690117

How to survive in Da Hood

>Ignore everyone
>Don't wear all of one colour
>Act like you didn't hear someone call you
>Don't look at anybody


It sounds like I'm talking trash about this black girl but I knew her from high school, well sorta. She was quite so I thought she was just shy. Turns out she's just the typical

Girl really had the cops over here not even a full day after moving in,
"somehow" her ex's glock was in her belongings.

Have cameras outside & in my room, she knows I'll get notifications if anyone is ever over.

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>>1690117
>>1689898


Also it's not like I didn't want to get with her

>Eliminate chances of her friends coming over
>Free ass (8/10)
>Can cook
>Can clean
>not ratchet, just stupid


Just don't want to pay any rent + be involved in anything bs :/

>>1689923

>150k house

Wew lad, 150k isn't even a deposit for a place here in Sydney.

>>1689661
Who isn't? But it has to be done.

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I love receiving rent from my properties, it's like getting free money every month.

I wouldn't consider protection of your body and properties from cold, weather and strangers "pissing money away".

>>1690116
well it's easy to calculate. often time people are surprised by the results. they dont count the opportunity cost for the money they have to put down payment

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https://www.youtube.com/watch?v=6_h5fLbfmMA

http://www.nytimes.com/interactive/business/buy-rent-calculator.php

advanced settings stocks return

>tfw sister is always traveling for work and i crash on her couch year round

>>1689927
I have a water cooler that I use as, I put a bag inside and go in it, throw the bag away and I sleep like a baby, during the day you can go anywhere you want, get a cheap gym membership and you have a while locker to shower and shit.

In the mean time I am considering selling meth cus you get to meet the community and if I get a hold of heroin I'll be just dandy, can't believe the amount of junkies this days

Get a multifamily. You'll literally be living there for free with enough units rented out

>>1690349
How much is papa government getting from you?

>>1689869
You've obviously never been to the hood
Planning and execution is alot different in action , hood niggas would be ok the first month or so next they start to slip up then fuck you
How will you get your money when they're taking yours
Not only that when they turn the home inside out your stuck with the cost

>>1689863

>live in area with extremely high COL
>cram yourself into a place with lots of roommates for a few years, pay low rent
>save every penny you make (100k a yr in many cases)
>move out to cheaper area later on

I hear this is what some people do when working at top Silicon Valley companies.

>>1689923

You're paying for all that shit anyway when renting a place. Do you think landlords don't have to pay mortgage/property taxes? His rent income will be AT LEAST enough to cover those things, which people like you are giving him.

>>1689859

10-20 grand a year is worth not living a miserable fucking life in a van.

>bought a house
>mortgage on 15 years, high monthly cost
>don't have a fucking euro left
Kinda sucks

>>1690545
If you're splitting with a roommate it becomes a whole different story.

>>1689859

Lel biz is awesome

>i save money by literally living in a van

Wew lads

>>1690113

Money saving tips from biz

Live in a van and take shits in the woods

>>1690552

This

Better yet, get a roomate/s. Pay $500 a month. It's not that bad. With a decent job you can make that in 4 days of work

Don't ever buy a house and live in your car or parents.

>>1690639
>Living in my parents
Not even once

>>1689727
Makes no difference as >>1690545 already pointed out. Rent includes all property taxes anyway. Over here I don't even have to factor them into the actual rent, they're straight-up operating costs / utilities that are 100% paid by the tenant.

>>1690603
It's a decent idea, but kinda hard if your landlord is on top of his shit. My contracts forbid subleasing. Why would I allow my tenant to make profit that I could be making myself? Either the roommates are paying me directly and I'll charge a duo like 65% each, a trio 45%, etc or I won't consent. I have good relationships with the neighbours of my properties so a few minutes of small talk go a long way in finding out what the mice do when the cat isn't visiting. Illegal room mates tend to get spotted.

Having said that - there still is a case for renting. Property is slow wealth. If you buy, you'll barely profit in your lifetime - it's your kids inheriting who'll see massive benefits. If you want to stay in one place for the rest of your life owning is still strong (although once you have to replace some pipes or a roof after a few decades it stops being fun and games). But if you're okay with moving renting can be pretty sweet. Get an apartment new or freshly renovated, wear it down for 3-5 years, repeat. You can really fuck over landlords this way, because first tenants pay a premium, old flats need a discount. If you jump ship before the renovation has amortized it really sucks and you're getting beatiful new rooms without messy construction sites or fully paying for them. I try to rent only to long-term tenants for that reason.

>>1689727
Hate to break it to you, but you are indirectly paying property taxes when you rent. Except they aren't tax deductible when you're renting.

>>1690122

True that.

Also lived in the hood myself.

You kinda have to always act like you're in a bad mood so people won't talk to you. The problem is the act often becomes real. And thus the mentality of the hood ruins you as well.

Godspeed tho anon.

>>1690124

> That picture

> Be me
> Be white
> Dated almost all white women
> Dated one black woman
> My first experience with black females and their hair
> Holy fuck, fuck this shit. What is wrong with these people
> Black females hair is a legitimate relationship issue

>>1690667
>If you buy, you'll barely profit in your lifetime

This is absolutely not true in many cases. In my area as long as you build about 5 years of equity before selling you're coming out ahead compared to renting. And yes, this is with all factors considered (opportunity cost of down payment + closing costs + maintenance vs investing etc).

It's dumb to make blanket statements like "renting is always better" or "buying is always better". It depends on the market in your area and what kind of financial situation you bring to the table.

>>1690667

>If you buy, you'll barely profit in your lifetime - it's your kids inheriting who'll see massive benefits.

true, my grandparents bought their house in the late 50's for around 10-15k and now it's easily worth 700+ given the nice area that it's in.

15k in 1960 was 122k in 2016 dollars so that's a nice profit, but it took 40+ years to make it (based on mid 2000's price).

>>1690126
But it can be here in Madrid or Barcelona. So....

>>1689690
This.
I'm sending in my 30 days notice tomorrow. Move my stuff to a storage locker. Live in my truck in the Uni parking garage. Take showers at anytime fitness. Set up postal box at the University Mail center. Live cheaply.
Calculated that I can easily save 20k in 6 months by doing this.
This is my big Fuck you to the rest of society

you need to find a cheaper apt

and have roomate or two.

move to peru

Yeah live in your car I've been doing it for 3 months now I'm good, I take showers at the y

I live in my car and sell/trade bitcoins and stocks.

>>1689661
Yeah, so did I. So I bought a hovel, took 10 years to pay it off, now I'm a semi-neet, work enough to pay the bills then time out.

>>1689661
I live on my car and run dropshipping and affiliate marketing sites. I've never Ben happier!

I live in my car and I make money from uber and via.

>>1691092
>black hair being an issue

You can blame filthy capitalism and white privilege for that one, buddy.

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>>1689661
>not owning a house in the year 2016

rofl

also

>1 post by this ID

>>1691562
It's a big fuck you to yourself, senpai. Stay warm, please.

>>1689661
you'd be paying interest expense on a mortgage anyways, add to that landlords usually pay rates.

depending on interest rates and the time period you pay it off, renting for a short while, investing savings, then buying a cheap home with whatever you can afford can actually be cheaper than taking out a mortgage.

you're not pissing anything away. just make sure you're getting a good deal and you're saving enough to make it worthwhile.

>>1692083
>you'd be paying interest expense on a mortgage anyways
tax deductible, you don't really pay it unless you're a fixed-income sort of pleb.

>>1689863
>so I come out way ahead
For like five years, maybe

>>1690555
>taking a mortgage out in euros

gonna get burned

I bought a house with cash here in the Finnish countryside for 60k€.
Fixed it up a little by little.
I had to rent for two years to save up for it.
I have the master bedroom and upstairs to do still.
Running costs are nominal thanks to wood heating. Insurance and property tax are like 700€/year. I separate my waste so I dont have to pay anything for trash. Water is like 4€/m^3 if I didnt have a separate shit well, but I have one so its like 1,2€/m^3. Thank god the (((shitlaw ))) was nerfed.
Too bad the pay is mediocre at my current job (13,7€/h)

>not owning your own place renting it and living with your mum

>>1691562
Use this as a down payment on a duplex/triplex/quad. Rent out the other units, live in one. People pay your rent and you win

>>1691749
>only white people have non nappy hair
lol

>>1689727
It's true you never really "Own" anything. But paying property taxes once a year is better than paying rent. And you get to say you "Own" something lol.

>>1690667
I actually allow subleasing on my rent house. It helps the tenants pay the rent and gives them some extra money, Everyone is happy.

I could be greedy and stop it but then i would have unhappy tenants that may trash the place or damage stuff passive aggressively getting back at me.

Sometimes greed isn't always the answer.

>>1692544

Different strokes for different folks, buddy.

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>used to be paying $200 per month to live with my parents
>moved out and started renting for $450/week
>tfw moved back in with parents, now they're charging $150/week because they've realised the value of a single room

I hate this fucking economy

>>1692538
>It's true you never really "Own" anything.
So long as you continue to suck the cock of a banker.

When the people wake up and realize every speck of dirt is owned by the bank is the day we can "Own" things again, until then, welcome to slavery.

>>1692544
I actually agree and sometimes I'm lenient on conditions. But I want them to confirm with me before they open a commune. I tend to somewhat adjust rent based on my tenants anyway (how stable they are, what they can afford, what their future prospects are, how much they'll wear down my appartment, probably subconciously also how much I like them). Renting out to a timid single woman is completely different than housing three crazy chicks and their one-night stands, throwing a party every week.

If I allow subleasing in the contract I give up any say over what shenanigans they do with my appartment until I get it back in proper order or a ruin. If I forbit subleasing I can always allow it case-to-case, but I'm at least I'm in the loop.

You're right though, subleasing isn't evil or anything. I'd just like to know. And if subleasing changes the wear and tear on my property substantially - rent goes up. That's just common sense.

>>1692690
We've never owned anything except maybe briefly after 1776 until the civil war was lost.

Before that the land tax goes all the way back to England where all land was held of the crown and every had to pay a duty to the king to use it.

What we're living in now isn't anything new.

>>1692711
>What we're living in now isn't anything new.
Indeed, but as you said, there was a brief period where things were alright. Unfortunately as you also said it was right after a revolution, and if history tells is anything, its that history repeats itself.

It seem's as though that may be the case yet again, I just hope it is within my lifetime. I'm sick of being lorded over by the "educated" who tend to be no more educated than a goat.

>>1690654
>Living in my parents
>Not even once
We ALL did it once

>>1689661

LIQUIDITY

>>1692742

he was raised by frogs

>>1692530
More like, only white people are not severely judged for their hair.

>>1692690
You don't pay taxes to the bank you fucking mongoloid.

>>1691749

Naw I'm gonna blame black women for being insecure about their natural hair.

I like fros. I would have happily dated a fro woman.

>>1694097

The fuck are you even talking about. This is the same kinda shit I got from her.

NO ONE CARES. Either fro it, or put some conditioner in it and brush it out into curls.

The weave, braids, straightening shit drove me INSANE.

>>1689727
At least with "owning" you will eventually end up with an asset that you can sell for more than you paid (based on historically appreciating house costs).

>>1692021
thanks man, but luckily I live in the south. where we are literally still sweating in the end of december.

>>1692504
i would love to do something like that. but this is the money I'll use to pay for medical school

buying a house is almost always a terrible investment

http://jlcollinsnh.com/2012/02/23/rent-v-owning-your-home-opportunity-cost-and-running-some-numbers/

>>1695087
There are a lot of things wrong with that article. Don't believe everything you read.

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>>1689661
/leftypol/ is sowing discontent. They have no solutions.

>>1695091
elaborate, then

>>1689727

You pay property taxes on rent too. You just don't realize it. Some states will even give you a refund on some of it come tax reason.

If you want to move, you can sell the house and recoup a lot of your money.

If you want to move and you rent you get NOTHING back.

ABSOLUTELY FUCKING NOTHING.

Every cent you paid into rent is GONE.

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Kill your landlord. All property is originally established with violence.

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>>1695145
GTFO retard. Your 19th century religion has no place on a business board.

>>1695133
Just read the comments on that same page and do your own research. I'm not saying owning is right in every circumstance, but neither is renting.

But the easy examination is just to notice that renters have lower net worth than owners statistically. It takes a lot of effort and diligence to beat the benefits a homeowner has intrinsically in the long term.

>>1695145

Quick, who is more likely to own a gun for self defense: a poorfag rentcuck, or masterrace landlord?

>>1695161
Porkies don't own guns because they think the police will save them. It will be too late when the boys in blue come.

>>1692719
I think you're conflating "educated" and "super-rich"

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>>1695163
Guns are bourgeois comrade. Do you think you're the first person to try killing you landlord after you blew you rent on child hookers?

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>>1695167
>Guns are bourgeois
Keep talking Porky, keep talking...

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>>1689661
>tfw too intelligent to move out of my parents house

I work a part time minimum wage job and probably make more money than you after you pay all your rent and bills

>>1695174
>have no money
>kill people with money
>all problems go away

Do you see a flaw here?

>>1695164
No, what do you think is the cause of the Social communist uprise in the US?
The Liberally "College Educated" class.

"Super-Rich" and "Educated" are like a square and a rectangle.

A Square(Super-Rich) is a rectangle(Educated) but a rectangle(Educated) is not a square(Super-Rich).

>>1695222
They don't understand the Managerial Revolution so simple analogies are beyond their reach too. Leftism requires that you are smart enough to memorize theory, while being docile enough to never analyze them.

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>>1689690
Best advice on /biz/ ever

>>1690628
>rentcucks too posh to live in a van
>thinks girls will be impressed by your shitting apartment
>retire when you are 70 years old
>meanwhile vansmarts are contantly on a road trip vacation
>can travel anywhere at the drop of a hat, have sex with women all over the country
>swimming in money 24/7
>van is more luxurious than any shitty used apartment with piss stains everywhere and fag roommate that does clean up after himself
>interior looks like mansion
>retire at age 30 and own multiple homes across the world
>don't even care about material things, all you care about is traveling the country and having sex with a bunch of girls and making a bunch of friends

>>1690496
Less than his tenants give him, presumably. Not to mention he gets a chunk of his taxes back in the form of highways to drive on, emergency services, and various other benefits.

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>>1690552
>>1690628
I can't live on fucking apartments anymore I literally got ptsd out of the mother fuckers and twice I was about to go to jail cus I was just an inch away from slaying the fucking neighbors.

to me is like sleeping on a nightmare everyday cus you can't control what happens in and around the multiplex

fucking upstairs bitch wants to make a party every weekend while playing that infernal Mexican Music and dancing till 2 sometimes 5 in the morning what the fuck you do after you told the landlord 20 times, the cunt other 20 and even the cops another couple of times.

then you have the other ass holes and kids who like to hang next to your window all day cus they think is cool.

then the neighbor next door who is also Mexican and seems he never sleeps.

on top of that I got to pay literally 2/3 of my income fuck that.

with just a little of money and imagination you can make a cool shack plus you can find so many places that you can exploit cus you're technically homeless.

once you start hitting a cash vain you're set, I did that recently I buy cheap shit on the street and re sell for profit.

I don't even know if i can or want to live with a bunch of niggers in a complex and renting to fucking cunts that night disappear with all your shit overnight or that have all sorts of nasty habits. nyet!

thank you but I think the miserable cunt here might be you

Where the fuck do people want to live that paying an annual properrt tax is worse then paying some fuckwad in excess of 9 to 20 thousand in rent a year. Nyc aint worth paying upwaards of 20% in property taxes

>>1695145
This. The NAP is a farce designed to keep true Aryan warriors down

>>1689661
Then move. Because you can.

You lose that ability when you own a home with a mortgage.

>>1695182
you're not smart you're a leech

>>1690116
>you own the appreciation
You own the DEPRECIATION. Most communities that aren't in huge cities are depreciating heavily.

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>>1690122
How to REALLY survive in da hood

>find church-going Samoans
>become their friend

Nicest people I've ever met. But, if you just saw them on the street, they're fucking terrifying. Pic related, they're fucking huge but true homies in the end.

>>1690530
>live in area with high COL
>don't fall into the trap of moving into an apartment building without parking
>move into older house with friend from college
>keep car
>drive 15 minutes to cheap af grocery store
>everyone at the new no parking apartments can't get to it because it's across a freeway and takes an hour to walk to it
>they use the whole foods at the bottom level of their building and get overcharged

This is what we do in Seattle. Only SV transplants live in the shitty condos.

>>1696437
> living in Seattle

I have live there on and off for 2 years rent is high as fuck, crime is off the hook, bitches completely stook up, over crowded up the ass and life is kind of lonely unless your willing to hang with people you'll never be able to trust cus they all crazy as fuck in some kind of way or the other.

anyone with any common sense would stay out of king county, once you do that the north of Washington is magical

>>1695222
>>1695229
Samefag alt-righter

>>1696444
>rent is high as fuck
True, but you can still find decent houses in the north part of the city where rent is $600-800 a month if you're willing to live with roommates.

>crime is off the hook
True. Most of it is in First Hill and Rainier Valley, which have been neglected until very recently.

>bitches completely stook up
You mean stuck up? Yeah, I can see that. They either want a marriage to show off or are total gold diggers. Hard to find a true life partner for sure.

>over crowded up the ass
TRUTH! And those NIMBYs trying to save dilapidated buildings with known structural problems aren't helping.
>b-but muh gentrification/neighborhood charm
Bitch, you want more money. Quit lying off the ass and saying otherwise.

>kind of lonely
True. But you'll find that throughout most of Washington state. We're very clique-y for some reason.

>hang with people you'll never be able to trust cus they all crazy as fuck in some kind of way or the other
This especially.
>be me
>in college
>see cute girl
>talk a bit
>about to ask her on a date
>conversation shifts to abortion rights
>"Anon, I hate those baby murderers! You aren't one, are you?"
>begins to reek of crazy
>end the conversation
>look up her FB profile
>"I'm never gonna use condoms and waste seed!"
I got more stories if you want.

>>1692087
you living in the back of a work vehicle or what?

in what universe is the interest you pay on a mortgage tax deductible?

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>>1696457
>Socialist Commie convincing themselves there isn't a resistance against the abolition of civil liberties.

I hope you're not and are just young and ignorant.

All you need to do is read "The Creature from Jekyll Island" and you will understand we are nothing more than Human cattle to the banking elite. Our abilities of individual critical thought are slowly being eaten away, bit by bit, through misinformation and a careless public.

The challenge of this revolution is that there is no "New World" to run to.

My hope is that the people realize Space is the new frontier and that we must move there to free ourselves from the grasp of the power hungry wanna-be-rulers, who can do less for themselves than those they enslave.

>>1690126
I feel ya brother

>>1696692
It is in the US, though your interest might not exceed the standard deduction in a given year, in which case it's a moot point.

>>1689661
should 10% of rent be a tax right off?

>>1696692
in the US it's tax deductible. Also if you put a big enough down payment down your mortgage is most of the time cheaper than rent and tax write off.

Renting is like pushing the snooze button on being homeless.

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>>1692576
>Paying $600 to live with parents

What kinda yid family is this?

>>1689661
buy 1 k bricks and some glue and go live on unowned land. must be near a well. and hot climate. leave a rectangle for air.