Recruiting forum off topic thread (no politics, covid, or hot button issues)

#16,626
#16,626
VolGee4 said:
I hate to say it, but if any younger person/couple was able to buy a house before 2018-2020, then most have been able to generate wealth. The housing market has increased so much in many places that it’s really benefited home owners.
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If we didn't need to move from our current home and instead just got a massive raise/new job where I'm at we'd be high on the hog.

If we hadn't moved from the home we bought in 2018 and made what we make now we'd be pretty dang comfortable.

But those were required moves, and there are no jobs in my field at our current location. And we've got a kid on the way because we started planning for it back when I earned my USDA job.

Treading water over here
 
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#16,627
#16,627
SoilVol said:
Rent is more expensive than a mortgage because businesses are buying up affordable homes and renting them for more than the mortgage. Driving up the price of homes and the price of rent.

We have 0 car payments because we bought cash when we had the money and I have a cheap pushmower. We have been frugal our entire marriage. Very little debt. We both have STEM graduate and undergraduate degrees.

The salaries for jobs in our fields haven't kept up with cost of living.
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I'm about to push mow my yard!

But at least when you rent you just pay for the rent and don't have to worry about repairs and the other taxes that come with having a home.
 
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#16,628
#16,628
PlanetVolunteer said:
If I had gotten a home I would have completely screwed myself and I'd probably be filing bankruptcy, or I would be working 247, miserable, hating my life trying to afford it.

Instead, I've rented places I can afford and put myself in a comfortable spot financially where one day I can work up to buying a home.
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Yeah but that's the thing. Home prices, rent, and cost of living have all accelerated faster than most people's ability to accrue funds to buy. The market is exceeding financial gains, and slowing down gains due to increased costs.

A ton of people never had a window to buy early, we got lucky, and it may be a decade or more before the window opens. It also sounds like you've been lucky to have affordable rent.
 
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#16,629
#16,629
VolGee4 said:
I hate to say it, but if any younger person/couple was able to buy a house before 2018-2020, then most have been able to generate wealth. The housing market has increased so much in many places that it’s really benefited home owners.
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It's legitimately a $1,000-$1,500 monthly difference for even a basic starter home.

In Chattanooga, a 3/2 house that cost $225k in 2019 is now $400k. $225k at 3% for 30 years is $1,000/month. $400k at 7% for 30 years is $2,500. And it takes forever to have any equity built up.
 
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#16,630
#16,630
PlanetVolunteer said:
I'm about to push mow my yard!

But at least when you rent you just pay for the rent and don't have to worry about repairs and the other taxes that come with having a home.
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Yes, but you don't build equity and the taxes roll into your home insurance payments (if you have renters insurance you're likely already paying a monthly insurance bill) and if you're wise you build a small emergency fund for home repairs that don't need insurance claims. Set aside a little for periodic improvements too.
 
#16,632
#16,632
Christian Lowe said:
it aint retirees moving to Nashville. its mostly people fleeing California. Texas and Tennessee are the states where most Californians are leaving to
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That's BS. Are Californians moving to Tennessee? Absolutely. They're moving everywhere. However, Tennessee isn't is the Top 7 states for inbound Californians.

www.ncesc.com

What states are Californians moving to? - Geographic FAQ Hub: Answers to Your Global Questions

What States Are Californians Moving To? Californians are leaving the Golden State in significant numbers, seeking new opportunities and lifestyles elsewhere. While the reasons for this migration are varied, cost of living is frequently cited as a primary motivator. So, where are these former...
www.ncesc.com www.ncesc.com

www.movebuddha.com

Invasion of the Californians: 10 States Seeing the Biggest Influx of New Residents from CA | moveBuddha

California’s population loss has been a source of endless speculation recently. Californians leaving the state are scattered nationwide.
www.movebuddha.com www.movebuddha.com

www.businessinsider.com

The California exodus has continued. Here's where most people leaving the Golden State moved to — and why.

New census data indicates the most popular states drawing the 690,000 people who moved out of California between 2022 and 2023.
www.businessinsider.com www.businessinsider.com
 
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#16,633
#16,633
Christian Lowe said:
I think teens still probably get pregnant at the same rate, they just don't keep it anymore.
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Abortion rates have dropped significantly over the decades. The 2022 reported figures were the lowest since 1973. Steady decline, similar to pregnancy rates.

The attribution is partly decreased to lower sexual activity rates (just a bit) but mostly to contraception usage. Some questions/uneven research results on condom usage, but IUD usage has been a big mover.
 
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#16,634
#16,634
Devo182 said:
Abortion rates have dropped significantly over the decades. The 2022 reported figures were the lowest since 1973. Steady decline, similar to pregnancy rates.

The attribution is partly decreased to lower sexual activity rates (just a bit) but mostly to contraception usage. Some questions/uneven research results on condom usage, but IUD usage has been a big mover.
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IED usage has helped too....
 
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#16,635
#16,635
VolGee4 said:
I hate to say it, but if any younger person/couple was able to buy a house before 2018-2020, then most have been able to generate wealth. The housing market has increased so much in many places that it’s really benefited home owners.
Click to expand...
Benefits of rising home values isn't what it appears for most. Now...if you're just about to retire and sell off then it's perfect.

100% depends on your circumstance.

But if you're younger and looking to stay within the same area, it's no bueno unless you're just needing a home equity loan. Otherwise all rising property values means is higher taxes, no benefit. Clearly if you just happen to be in an outlier in your area and you can buy cheaper, then you're at advantage. But given rising home prices are everywhere, it tends to be a wash for most.
 
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#16,643
#16,643
Glitch said:
Mrs. Glitch doesn't even like beards, so I have no worries about a full blown fur furball such as yourself. 😆
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I wasn't talking about me. I was saying your wife is disappointed by your lack of sexual prowess. No one is talking adultery here. Well, I guess you are. But I wasn't.
 
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#16,645
#16,645
Weezer said:
I wasn't talking about me. I was saying your wife is disappointed by your lack of sexual prowess. No one is talking adultery here. Well, I guess you are. But I wasn't.
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As soon as this hip heals and I get my second surgery and that one heals, if I remember this conversation I may or may not be at the papermill WH to whoop your ***.
 
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#16,647
#16,647
Glitch said:
As soon as this hip heals and I get my second surgery and that one heals, if I remember this conversation I may or may not be at the papermill WH to whoop your ***.
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You won't be. We both know you're not showing up to get your ass whooped.
 
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#16,648
#16,648
Weezer said:
You won't be. We both know you're not showing up to get your ass whooped.
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Well it is a long drive and you refuse to meet halfway at the Cookeville WH. I can't drive to Papermill to whoop you everytime you need a whoopin. Did you hit your head and forget what happened last time?
09c74dc2-0afa-49fb-84ca-6b577a0c6065.png
 
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#16,649
#16,649
Glitch said:
Well it is a long drive and you refuse to meet halfway at the Cookeville WH. I can't drive to Papermill to whoop you everytime you need a whoopin. Did you hit your head and forget what happened last time?
View attachment 736826
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I'd leave you scattered, smothered, and covered. You'd be crying all the way home.
 
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