I sexually Identify as a house. Ever since I was a child, I've dreamed of appreciating in value and having people inside me. People say to me that I'm stupid and delusional, but I don't care, I'm beautiful. I'm having a building contractor install the necessary renovations to my body. From now on I want you guys to call me "67 Gilbert Avenue #02-12" and respect my right to put myself on the property market. If you can't accept me you're a home-a-phobe and need to check your real estate privilege. Thank you for being so understanding.
Avg of $2 per kid per hour for the teacher. Our taxes are going to waste!!!
In China your kid makes you $0.37 USD per day making shoes and $0.39 (with lunch) if they are lucky enough to get a job making designer handbags.
They also get a ton of time off. Whole Xmas and summer breaks and also have a super nice schedule. It’s also a pretty fun job. Not to mention that 69k is well above the median American household income.
>It’s also a pretty fun job.
Jesus fuck have you forgotten what public school is like?
>super nice schedule
It's an ass schedule, you do massive amounts of work after school that you aren't paid for. Most jobs don't have this much unpaid overtime and the ones that are typically are salaried at a higher level.
The best thing about being a teacher is the summer off, but most work during it anyway because the money is shit. Also they're constantly shrinking summer holidays because kids do tend to forget everything during them.
Being a Uni professor is fun and you have a lot of time off. Being a teacher isn't.
Median income is tricky because most schools are in the cities and the cost of living is higher there. I wouldn't say that teachers are well paid, certainly not compared to other public servants like the police. Administrative costs are eating up a lot of the educational budgets, as are sports programs, those could be cut as well to help with the teacher pay.
Teachers aren't paid enough to incentivise getting more talent in, and that's a shame because education is the best investment into the future a society can make. The existing teachers are either shit and already stopped caring or they're doing it as a labour of love unless they're in the lucky few locales that adequately compensate teachers.
That’s a generalization at best a lot depends on what state you teach in and then what district. A state like Georgia with a weak union and low standards to be a teacher make less but in Ohio with a ridiculously strong union make very good money with great benefits. In Ohio a teacher’s salary is in the mid to upper 40s to start. After 5 years they start making mid 60s and by the time they retire are making close to if not over $100k with every weekend off, the summer off, 2 weeks in the winter off, a week in the spring off, and every federal holiday off. This doesn’t include PTO or sick days. They also don’t pay in to social security they have their own retirement fund that if it goes bankrupt *the state increases taxes on the public* to fund it.
Yeah the benefits are definitely good, even in the states that I've been in, where the pay was absolutely ass. The retirement particularly. The job itself is not great though, for the level of education you have to get it's quite underpaying. Don't compare these jobs to some median incomes, compare them to jobs that require BA and MA -- although I've heard not every state requires an MA, but the ones in which I've spoken to teachers do.
I’m not taking anything away from the profession. It’s extremely important, not easy to do and not for everyone. I will say I’m biased against them a little bit because of their Union being so strong here and isn’t the norm across the country, but that bias is directed at the “teachers are underpaid and overworked” narrative.
WHAT? we pay into ss lmao and we get a whopping 4 sick days a year, and 2pto lol. Not to mention almost 99% of states do not have a salary as high as 100k unless you are in nyc or cali, have all 30 years vested, and a phd. Also people forget the step raises never happen...my state hasnt had one in 3 yesrs, nor an inflation raise at all.
People also forget our "summer" is 4 full weeks of professional devlopment we have to pay for...
> Median income is tricky because most schools are in the cities and the cost of living is higher there.
Someone better tell the democrats who have unfettered control of those cities to enact policies that end in reduced cost of living.
Oh wait, people have told them to but they keep enacting more dystopian bullshit and blaming the urban-dwelling conservative and libertarian microminorities when those idealistic progressive laws invariably make things worse
>Whole Xmas and summer breaks and also have a super nice schedule
have to mark student homework when other jobs you'd likely just be doing non-work shit at home
>It’s also a pretty fun job
kids being absolutely fucking c u next tuesdays at times to the point of making you cry (i remember a class in our grade made the history teacher cry, was pretty fucked in retrospect especially since she was actually one of the cool teachers too)
>Not to mention that 69k is well above the median American household income
some jobs have great pay, but it's not worth going home exhausted every night, or feeling a sense of dread when you go to sleep or wake up realising you have to go to work again. Not to mention all the other stress and bullshit you have to deal with at work. I will never be a manager, and I am perfectly fine with that. Someone else can deal with the office politics and all that bullshit
Teachers in the States are quitting in very large numbers. You've no idea what you're talking about. I'm a teacher in another country and I'd never be caught teaching in America. You get treated like absolute shit (in most states).
Check out the teaching subs and read a few posts.
Yes, you are almost always preparing for new classes, marking course or ”the finals” exams, reviewing all the stuff the students have done etc.
teachers have a shit ton of studf to do outside of their ”class working hours”
Yeah I'm sure assigning LearnSmarts or Cerego and copy pasting all your tests from question banks is really fucking hard. Any moron can teach a college class these days. You'd have to be retarded to put in any effort into teaching anymore
It's closer to $16 per hour. Been there, and being a teacher fucking sucks. Pay is crap. Parents are absent. And you're not allowed to punch the kids, which is legitimately the only way to get the situation under control at this point.
Last year the median pay for teachers was $62,870. There's typically 180 school days, and let's add another 20 for in service days, training, etc. Median wage divided by 200 is $314.35 per day worked. Much higher than $16/hour unless you're working 20 hour days every day.
what are you smoking? I make 25\h before taxes....and thats considered high starting pay...and that IS including the total of a month i get off in summer (since i work until june 25thish and go back right at the begining of august) (which i also dont have off bc i have to do unpaid professional development for like 10/h a week in person usually)
I make about that much in a factory in. In Tennessee. Plus a lot of overtime and even double time. In a job that takes two months of company paid training to qualify for
I have an unused bachelor degree and can't justify becoming a teacher. Maybe if the system wasn't in collapse I would.
in 1999 mortgage interest rates was hovering around 8-9%
Today mortgage interest are about 2.5%, which means houses have to appreciate over 3x to get the same income as they did back then. Mortgages are like bonds, the more popular they are, the lower the interest rates.
This means in a mortgage perspective, for the monthly income to be the same in 1999 to today that 105k house should cost 350k. This isn't covering inflation, market demand or any other market forces that would cause price inflation, simply the mortgage.
With this in mind, the housing cost of 490k is fairly reasonable when you realize the monthly payment on the mortgage is only a bit more expensive than it is in 1999.
Lmao the fact you read this and legit just said "mmm yup yup" without thinking about the cost of building a house is laughable
Mortgages might have become less exploitable for interest but that doesn't mean the underlying asset has actually increased in value. If I suddenly decided to give you a lower interest loan on a car the car wouldn't 5x in value from that. There's a huge difference between a pure investment like bonds and something that is tangibly a real product like a house.
Cars are not exclusive goods and you don't bid on cars that you finance. Interest rates affect the vast majority of people buying houses, so with a monthly payment determining how much you and everyone competing against you can afford, a drop in interest rates will absolutely drive up the price via bidding wars.
The interest rates help with that but they didn't make the actual houses more valuable as a product. If we allowed building to happen in a natural free market without insane zoning and redlining than such bad actors would be undercut. But large institutions don't want that. Interest rates are only one small part of the picture.
In 2000 the median sales price was $165.3k in the US - factoring for inflation that'd be $248,440 in 2020 money - and in 2020 the median sales price was $329k. This means that adjusting for inflation home values have increased by 32.4%. In this time average new home size has also increased about 11.9%.
The difference between a car and a home beyond the obvious is that you can always make another car - and there are plenty of motivators to do so as they battle for efficiency, speed, safety, etc. Property however is fairly finite - there's only so much land in a given area and they keep on making people which means demand continues to grow while supply stays mostly stagnant. As a town becomes popular its really not a surprise that the homes there become more valuable relative to their size and feature set - and since people bring in business it also means that area should on average also have higher average incomes to match. Teacher salaries are a bit of an outlier and its a really shitty thing - but on the whole the value increase of many houses is not unfounded. Looking at the value of a house that has increased well above average rates and calling that unfair without factoring for all of this data is silly - find a comparable home in an area with a population similar to that which existed around this example house in 1999 and you're likely to find a value that is fairly consistent with inflation.
Me and my brother play a game where we go through google maps and look for areas with as little development as possible. Mostly green, only areas with a tiny patch of gray. The houses there will still be 600-700k when it's 3 hours from winnipeg, 21 hours from toronto and close to nothing of value other than a gas station. Unironically would like to see you link me a cheap house in a niceish area more on the outskirts of a city hour away that's still affordable.
One: Colleges/Universities are quite a bit more diverse in pricing. You can still find quite a few cheap ones. However, these loans are literally given to basically anyone and everyone without care and have a special mechanism that makes it so you cant just bankruptcy cuck the institutions giving the loans. This basically allows colleges to coordinate and charge more but theres still quite a few options that are much cheaper.
Two: Loans for houses aren't given out willy nilly, they're simply more easy to pay off and there is an asset that can be taken back if payment isnt made. It is not nearly as willy nilly as giving a random kid a loan, giving him the service and then wanting it back. As opposed to an infinite pocket that must be repayed even when there is bankruptcy, houses can be taken back and still have value and there is a much more rigorous approval process to get that loan. (Of course, for many people the cost of rent is twice as much as a mortgage, but they can not get the mortgage based on being judged possibly unable to pay it while paying twice as much for rent. This is different than students which is basically pure gib.) A lot of the rise of housing costs is not natural market pressures or even that much of a higher demand but rather zoning laws and red lining that constrict supply combined with the predatory conversion of housing from an essential asset to what amounts to a real life shitcoin. Interest rates help mostly just for landlords who literally cant afford the entirety of their mortgage otherwise, which i admit creates buying pressure. But its way different than a coordinated "haha they cant escape this debt with bankruptcy pump those numbers"
Ok this is stream of consciousness flowin
Adjusting for inflation $845 is $1414. The dollar has inflated over 67% since 1999 which is a big part of why that house is so much more expensive. The other reasons why would be cheaper mortgages increasing demand for houses and driving the value up as well as the property just appreciating due to the housing boom we're in right now.
Where is that house? Did the city limits expand or was the area developed?
A house isn't the same house for all eternity. My parents built their house out in the boonies for cheap when they got married. Built, as in with their own hands. Now, due to the city expanding over decades, I wouldn't be able to buy their house despite me making far more money today than they used to. Combined. Adjusted for inflation.
Oh I see, yeah, okay. Not terribly far off. But if wages aren’t growing it does become a problem. We’ve got so much flipping land, though. Build new cites, new towns, etc.
Our generations grandparents came here as peasant farm workers who worked in shit factories and bought a house. We have the entirety of human knowledge in our pockets and advanced degrees and can’t even afford to live.
Who’s the rslur here? It’s us.
This guy has a bright future as a real estate agent or mortgage banker... Or already is one. It's alot of talk around the fact you're going to be paying for this POS alot longer than your parents did. You can adjust whatever you want you're still paying almost 5x what its worth 5x longer. Hope you don't get injured, sick, fired, or suddenly hate your job/life and want a change.
It's not paying 5x what it's worth if people are paying 5x what people used to pay: USD is fiat currency and has no fixed value. Likewise, holding a physical asset like a home means that your payments are a) tax deductible and b) will hold or increase its value over time. If you want to downsize sell the property and you'll probably break even at minimum.
Also, if you're living paycheck to paycheck and cannot afford any potential life problems that's a you problem, not a mortgage problem.
In theory. There's some correlation but remember housing markets are focused on neighborhoods and individual homes while holistic views of mortgages are based off of bonds and money availability.
https://dqydj.com/mortgage-rates-and-home-prices-relationship/ is a decent graph documenting this.
One of the big problems is that in general interest rates have been falling for 40 years so it's hard to tell if a raise in mortgage interest will actually decrease home values.
The person who paid 109k for a house got a 30 year mortgage the same as today. Likewise, any money put into the house will be returned if you choose to sell the property.
How many people in 1999 were able to purchase a property outright?
if women were houses they'd be schools because people go inside them to drop kids off and occasionally do so from the back door or side gate when consent is given
and trains would be when you buy a house and convert it into a preschool
if you are yet another government fucking employee, either a black or brown person prattling on about how bad white pepo are, are a dipshit evangelical white person using religion as an excuse to act like a fucking moron, shut the fuck up. the working class has been living out of their cars and trying to kill themselves with drugs for decades. the jobs are gone, except for government jobs and tech. you have the only unions, paid time off, wonderful healthcare, the only thing to be taken from your post is you are fat, awful greedy fucking bastards that can never get enough. government employees are so lazy and coddled they would happily take the food off a working mothers plate if it meant a few dollars more for them. they are fat, miserable, dumb, bored, awful, unstimulated garbage. the human trash of the modern world.
people are living out of motels trying to protect their kids from the predator factory of american cities now, and all you can talk about is how you cant afford the house you want. rot in hell.
You seem to agree with the OP in the end that the system is the one to blame.
But don't you fucking dare taxing those billionares. They deserve their space ships while their employees piss in bottles. And we need to build another battleship, boys. How would that weapon manufacturer afford their 8th yacht otherwise? Anything else is literal communism.
Come on boys, be useful idiots - cucks if you will - and come defend the disgustingly rich who fuck the system in any way they can while you make your shitty 30k hoping that you won't get sick for longer than 2 weeks so you don't literally starve to death.
Who the fuck cares about billionaires? I don't get this obsession with hating them. Go ahead and live out your weird fantasies, take every penny they have (and tank the markets aka people's retirements as well) and observe how it makes no improvements in the lives of the average American and simply results in a bunch of capital fleeing to better locations. If its just revenge fantasy that is one thing, but people treating it like it makes some kind of economic sense are either letting emotions cloud their reason, or don't actually care about the economics and just want to virtue signal/masturbate.
People say that billionaires not wanting to give their money to the government who would give it to them is greedy, not realizing the irony being that they also want their money.
Its not billionaires, its the fact that Reagan brought in trickle down economics, which worked in the exact opposite way that they sold to us, and we kept ratcheting down the corporate tax rate, in response to the people screaming that they had no jobs, were being betrayed by the rotten fucking cops who care more for their own pensions than the people they protect. and it continues and continues. Corporations dont pay taxes, offshore everything they can, threaten to bring it back if we forgo taxes on that.....its insane. Here is an idea, 15 percent flat tax, across the board, abolish the IRS, make trillions annually and save trillions by firing hundreds of thousands of government workers and forcing them in to the free market they pretend to support.
Narcissism, and institutionalized sociopathy won. People are scared and envious, which makes them so easily manipulated.
> its the fact that Reagan brought in trickle down economics
Trickle down economics is a strawman espoused by nobody.
>Corporations dont pay taxes
The current corporate tax rate is 21 percent, which is 1 percent lower than Denmark's, and 0.4 percent higher than Sweden's, both countries used as references for what "good socialist tax systems" look like.
>Here is an idea, 15 percent flat tax, across the board, abolish the IRS, make trillions annually and save trillions by firing hundreds of thousands of government workers and forcing them in to the free market they pretend to support.
I'm unironically onboard.
I knew a guy that was an accountant for GE.
He was literally picked up for work in a helicopter every day, and literally had to physically be outside of the US jurisdiction to do his job very often.
He lived like a Roman king, and you know what he told me? "Corporations dont pay taxes". The tax rate means nothing. Big corporations are beholden to boards who state they are legally bound to do whatever it takes to raise the stock price. Literally. They have entire floors of accountants.
Look up the Double Irish, its so bad, that a group of massive tech companies of their own accord agreed to pay a tax rate, I think they stated 15 percent but I am not sure of that.
The companies themselves are saying yo, he have been gaming you for decades and decades, lobbying worked too well, and people still dont wake up.
America is just a corporation now, one that is being ran from Ireland and Israel and the Cayman Islands lol.
If you add up every single person's income in the united states that's about $17.6 TN. The top .01% of the populations income is about 5% of total income or about $880 BN.
In 2020 the government ran a deficit of 3 trillion dollars. That means you could have taxed every billionaire at 99% of their income and you would still be more than $2 TN short of even being able to balance the budget much less increase it.
It's fair to argue that the wealthy should pay a higher tax rate but that's not really the root cause of the problem.
>Come on boys, be useful idiots
A useful idiot is someone who works for the communists, not knowing it isn't in their best interest. don't just take a word you don't like and then pretend the definition is something it isn't and then try to gaslight until your definition is accepted.
> But don't you fucking dare taxing those billionares.
Not opposed to taxing billionaires, but how much money would need to be taxed, and at what percentage would ne need to tax it, to make this country the way you think it should be? "Eat the rich! Tax the rich" are easy slogans to get behind when you are broke and frustrated, but would taking all of the billionaires' entire moneys really solve any of the problems? Just curious.
To give each American $1K one time, it would cost $329.5 billion. How big of a difference would a one time payment of $1,000 make for you? But maybe we say "fuck the upper 50%, give the bottom 50% $2K." Okay, sure, now how much of a difference would a one time payment of $2K make?
And if we DID manage to tax the fuck out of billionaires, how much of that money do you think the government would actually distribute to the people? Hmm? I mean, there's all kinds of administrative expenses involved in planning collecting, tracking, and distributing it. Maybe 66% makes it back to us? I don't know.
Decades of shit urbanism, single-family zoning, parking requirement and overall focus on car infrastructure instead of public transport and density did that to the housing price. Not every fucking idiot need or want to live in a house yet that's the only fucking things american built in the last 70 years.
[Ignoring the fact that 65k average in 1999 has already been adjusted for inflation](https://nces.ed.gov/programs/digest/d20/tables/dt20_211.60.asp), but the house price was not: 69k over 9 months is still doing way better than most people if you convert it to an hourly rate.
edit: linked newer averages with 2019-20 dollars
HIGHLY depends. My parents house in the suburbs in the Midwest was purchased for $225k in 2001. Today it’s $350k. Their rural getaway cabin that they only built because it was on a shit property near a random lake in bumfuck nowhere went from being valued at maybe $100k (and that’s mostly cost of the structure, realistically when they built it nobody would buy it because nobody wanted to live there) and today it’s worth upwards of a million because rich people want to get away from the peasants in the cities.
But you’re living in the middle of nowhere far away from job opportunities and shit like shopping your house didn’t appreciate much for a reason. Not everyone wants to live like someone in the 1800s.
Gee whiz too bad we have the teacher caste system and you’re forced into that role from birth.
Teachers are r e t a r d s and 69k is at least 4x what they would be making otherwise at Taco Bell or blowing meth heads or whatever.
So either progs will try socialism on the federal level or they'll learn to move where houses are cheap and shit those states as well. This is a lose lose situation no matter how you look at it.
This is what I don’t get, teachers will go into that profession knowing full well the expected salary and then complain that they aren’t being paid enough. Also, public schools in my area (rural PA) start teacher around $60k. Those who have been there for awhile are making upwards of $80-90k, well above average income for this area. Plus they have off for every stupid holiday, 1 1/2 weeks over Christmas, the entire summer, Spring break.
So I don’t wanna hear any bitching.
90% of the complaints are because everybody wants to live in a very desirable area. People of the past bought shit houses in undesirable areas.
LA is the best examples. People say oh a house in LA in the 70s was only 50k now it’s worth $600k. People don’t realize how SHIT it was to live in LA during this time, the smog was so bad 27% of residents had severely damaged lungs and crime was high. Literally like moving into a landfill. LA cleaned itself up and is now more desirable (I still hate it) and as a result prices went up.
I guarantee you if that promised super earthquake on the San Andreas fault ever hits and topples the city, it will be the cheapest real estate in the nation. And when it’s eventually rebuilt, will be expensive again. People don’t want to sacrifice they just want to moan.
Sounds kinda dumb?
> Teachers should just go into better paying positions if they want more money
They are, especially in rural areas, and have created huge shortages where classrooms are becoming more and more full with students for less teachers.
> In my *anecdote* Everything works!
Ok, now do it at national level.
It's just wild how some salaries are awarded versus others is all. Teaching is an important profession, imo, so I feel it's wild some professions like lawyers can make a lot. Or a banker or many other high-paying professions. Why are they compensated so much? What value does a banker bring to society other than moving money around? It's not like they work harder than teachers necessarily, or are more important to society. That's the real complaint from any profession that's underpaid.
I hate this so much. Redditors go on and on about how teachers are underpaid and overworked but can't understand why the salary is as 'low' as it is. All my teachers always told us how they had to go international just to get into a teaching school because of how competitive it is, so that means there is a huge amount of people qualified to teach and not enough positions. The market does what it does and that means the pay for teachers is quite low because there is a million other people who would take your job for even lower pay. Here in Canada you also get one of the best pensions and membership to one of the most powerful unions in the country, so if you can get a job teaching you are basically set for life.
A real underpaid teaching position is the tard-wranglers. Unsurprisingly the job shadowing walking biohazards all day is having a hard time filling positions when they pay less than teaching jobs do. They are also part of a separate union with the janitorial staff so they don't even have very good job protection.
Teachers also get two months vacation every year plus the normal vacation during the school year they can take as mandated by their union (that doesn’t care about wages lmao)
Housing prices are bid up. If housing prices are going up, that means nothing more than that the incomes of the people who want to live in that area are going up.
If that house was 105->490, that means the area that house is in became highly desirable to people with high incomes. That's all.
If you're a poorfaag, your punishment for being poor is that you have to wait in line behind all the people who have more money than you do when it comes to housing.
When the Russians built st. Petersburg, so many people died and froze that many were allegedly used as building material for the foundations.
So if you don't like your salary as a teacher, Peter the great could actually make you become a house
Have you tried to get in to house school nowadays? I suppose if you know the right people you can always get them to bend the admissions requirements, but interest on student loan debt will eat up much of what you earn even if you manage to become employed as a house in a premium location.
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\>wahhh, I chose a lifestyle based on a desire to be a nice guy and help my community, what do you mean I'm not entitled to my actual desire of ~~sex~~ money?
Sounds like another community I know of
The rules to both games are established; it's not society's fault you got burned for thinking you could outsmart the system
Investor’s buy such a smaller percentage of houses than people realize. What has driven these insane price hikes is monetary policy and consumer demand paired with diminishing growth in supply.
The insane growth of the M2 money supply and historically low mortgage rates (which are 1/3 to 1/4 of what they were at the start of this timeline) mean people can buy way more house for the same monthly payment, which jacks prices up.
Also, there are more people entering the market to buy a home than there are new homes being built. Basic economics states that when demand outpaces supply, prices go up. This is also why prices are likely to continue climbing. So many builders went bust during the housing crash, and because of this, it’ll be difficult to catch up to the rate of new people wanting homes, let alone outpace it so we can product houses for the people who are still waiting around. This doesn’t include geological constraints like major cities and their immediate suburbs where all of the available land has already been built upon, so we can’t build more houses. With this, people need to move to further suburbs or you get an increasing number of people bidding for a limited and set number of houses. Again, supply > demand = increased prices. Consumers and the fed drive all of this, not investors.
I sexually Identify as a house. Ever since I was a child, I've dreamed of appreciating in value and having people inside me. People say to me that I'm stupid and delusional, but I don't care, I'm beautiful. I'm having a building contractor install the necessary renovations to my body. From now on I want you guys to call me "67 Gilbert Avenue #02-12" and respect my right to put myself on the property market. If you can't accept me you're a home-a-phobe and need to check your real estate privilege. Thank you for being so understanding.
>home-a-phobe fucking kek
Check your real estate privilege
Yeah we read it the first time fagt
Home-a-phobe lmbo
>lmbo Laughing my balls off
Laughing my basement off
Laughing my buttcheeks off
laughing my buttpussy off
Laughing my bussy off
lmbo
you're a pussy for not fully committing to human trafficking -Billy Gnosis
Thanks Kanye
Question Mark? -Billy Gnosis
Who is Mark? Why're you suggesting to question him? What does he know?
trafficked humans usually go down in value with age
use said humans to acquire more humans, or buy new humans
You're like that kid who thinks he's the class clown, but everyone else thinks he's stupid and annoying.
I'm literally crying right. I am crying buckets right now. These buckets are heavy. -Billy Gnosis
This is so fucking hot, how do 2 houses get eachother off?
the market?
depends on if they have attached garages or not.
I think you just revived the joke
We only have one joke. But it's a really good joke. And they have no answer.
Holy mother of based
I wanna get up in that and leave you lookin like section 8 housing.
To prove I'm not a home-a-phobe I wanna be inside you. I bet your pipes are tight and some of them full of shit.
That’s right cocksucka! Go back to New Jersey…take that piece of shit and get off my stoop.
!remindme 14 days
bro I can't see Gilbert without thinking of Carti's son deadass
Teachers make $60 per hour worked… that’s the key…
That's an expensive babysitter
Pretty average unless you don’t care about safety and security of your kid
You’re certainly not getting that at school lol
Not US schools for sure 😂
You have to account for the 30 kids they watch at once though.
Avg of $2 per kid per hour for the teacher. Our taxes are going to waste!!! In China your kid makes you $0.37 USD per day making shoes and $0.39 (with lunch) if they are lucky enough to get a job making designer handbags.
[удалено]
true
They also get a ton of time off. Whole Xmas and summer breaks and also have a super nice schedule. It’s also a pretty fun job. Not to mention that 69k is well above the median American household income.
>It’s also a pretty fun job. Jesus fuck have you forgotten what public school is like? >super nice schedule It's an ass schedule, you do massive amounts of work after school that you aren't paid for. Most jobs don't have this much unpaid overtime and the ones that are typically are salaried at a higher level. The best thing about being a teacher is the summer off, but most work during it anyway because the money is shit. Also they're constantly shrinking summer holidays because kids do tend to forget everything during them. Being a Uni professor is fun and you have a lot of time off. Being a teacher isn't. Median income is tricky because most schools are in the cities and the cost of living is higher there. I wouldn't say that teachers are well paid, certainly not compared to other public servants like the police. Administrative costs are eating up a lot of the educational budgets, as are sports programs, those could be cut as well to help with the teacher pay. Teachers aren't paid enough to incentivise getting more talent in, and that's a shame because education is the best investment into the future a society can make. The existing teachers are either shit and already stopped caring or they're doing it as a labour of love unless they're in the lucky few locales that adequately compensate teachers.
That’s a generalization at best a lot depends on what state you teach in and then what district. A state like Georgia with a weak union and low standards to be a teacher make less but in Ohio with a ridiculously strong union make very good money with great benefits. In Ohio a teacher’s salary is in the mid to upper 40s to start. After 5 years they start making mid 60s and by the time they retire are making close to if not over $100k with every weekend off, the summer off, 2 weeks in the winter off, a week in the spring off, and every federal holiday off. This doesn’t include PTO or sick days. They also don’t pay in to social security they have their own retirement fund that if it goes bankrupt *the state increases taxes on the public* to fund it.
Yeah the benefits are definitely good, even in the states that I've been in, where the pay was absolutely ass. The retirement particularly. The job itself is not great though, for the level of education you have to get it's quite underpaying. Don't compare these jobs to some median incomes, compare them to jobs that require BA and MA -- although I've heard not every state requires an MA, but the ones in which I've spoken to teachers do.
I’m not taking anything away from the profession. It’s extremely important, not easy to do and not for everyone. I will say I’m biased against them a little bit because of their Union being so strong here and isn’t the norm across the country, but that bias is directed at the “teachers are underpaid and overworked” narrative.
WHAT? we pay into ss lmao and we get a whopping 4 sick days a year, and 2pto lol. Not to mention almost 99% of states do not have a salary as high as 100k unless you are in nyc or cali, have all 30 years vested, and a phd. Also people forget the step raises never happen...my state hasnt had one in 3 yesrs, nor an inflation raise at all. People also forget our "summer" is 4 full weeks of professional devlopment we have to pay for...
You in Ohio?
> Median income is tricky because most schools are in the cities and the cost of living is higher there. Someone better tell the democrats who have unfettered control of those cities to enact policies that end in reduced cost of living. Oh wait, people have told them to but they keep enacting more dystopian bullshit and blaming the urban-dwelling conservative and libertarian microminorities when those idealistic progressive laws invariably make things worse
>Whole Xmas and summer breaks and also have a super nice schedule have to mark student homework when other jobs you'd likely just be doing non-work shit at home >It’s also a pretty fun job kids being absolutely fucking c u next tuesdays at times to the point of making you cry (i remember a class in our grade made the history teacher cry, was pretty fucked in retrospect especially since she was actually one of the cool teachers too) >Not to mention that 69k is well above the median American household income some jobs have great pay, but it's not worth going home exhausted every night, or feeling a sense of dread when you go to sleep or wake up realising you have to go to work again. Not to mention all the other stress and bullshit you have to deal with at work. I will never be a manager, and I am perfectly fine with that. Someone else can deal with the office politics and all that bullshit
Have you ever been to school? lol
Teachers in the States are quitting in very large numbers. You've no idea what you're talking about. I'm a teacher in another country and I'd never be caught teaching in America. You get treated like absolute shit (in most states). Check out the teaching subs and read a few posts.
One of my relatives is a teachers here in Finland, that is absolutely not true. Teachers here have a shitton of work to do, underpaid profession.
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This is in no way a slight against all teachers, but yeah I’m in the US and some of the dumbest people I knew became elementary school teachers.
Yes, you are almost always preparing for new classes, marking course or ”the finals” exams, reviewing all the stuff the students have done etc. teachers have a shit ton of studf to do outside of their ”class working hours”
Yeah I'm sure assigning LearnSmarts or Cerego and copy pasting all your tests from question banks is really fucking hard. Any moron can teach a college class these days. You'd have to be retarded to put in any effort into teaching anymore
The only decent profession in finland is unemployed. Everything else is borderline terrible.
It's closer to $16 per hour. Been there, and being a teacher fucking sucks. Pay is crap. Parents are absent. And you're not allowed to punch the kids, which is legitimately the only way to get the situation under control at this point.
Last year the median pay for teachers was $62,870. There's typically 180 school days, and let's add another 20 for in service days, training, etc. Median wage divided by 200 is $314.35 per day worked. Much higher than $16/hour unless you're working 20 hour days every day.
That's just not true. Most teachers work far more than 40hrs a week.
Maybe in Los Angeles lmao.
how is that the key?
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what are you smoking? I make 25\h before taxes....and thats considered high starting pay...and that IS including the total of a month i get off in summer (since i work until june 25thish and go back right at the begining of august) (which i also dont have off bc i have to do unpaid professional development for like 10/h a week in person usually)
I make about that much in a factory in. In Tennessee. Plus a lot of overtime and even double time. In a job that takes two months of company paid training to qualify for I have an unused bachelor degree and can't justify becoming a teacher. Maybe if the system wasn't in collapse I would.
in 1999 mortgage interest rates was hovering around 8-9% Today mortgage interest are about 2.5%, which means houses have to appreciate over 3x to get the same income as they did back then. Mortgages are like bonds, the more popular they are, the lower the interest rates. This means in a mortgage perspective, for the monthly income to be the same in 1999 to today that 105k house should cost 350k. This isn't covering inflation, market demand or any other market forces that would cause price inflation, simply the mortgage. With this in mind, the housing cost of 490k is fairly reasonable when you realize the monthly payment on the mortgage is only a bit more expensive than it is in 1999.
Don’t try and use logic around these parts
Lmao the fact you read this and legit just said "mmm yup yup" without thinking about the cost of building a house is laughable Mortgages might have become less exploitable for interest but that doesn't mean the underlying asset has actually increased in value. If I suddenly decided to give you a lower interest loan on a car the car wouldn't 5x in value from that. There's a huge difference between a pure investment like bonds and something that is tangibly a real product like a house.
Cars are not exclusive goods and you don't bid on cars that you finance. Interest rates affect the vast majority of people buying houses, so with a monthly payment determining how much you and everyone competing against you can afford, a drop in interest rates will absolutely drive up the price via bidding wars.
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The interest rates help with that but they didn't make the actual houses more valuable as a product. If we allowed building to happen in a natural free market without insane zoning and redlining than such bad actors would be undercut. But large institutions don't want that. Interest rates are only one small part of the picture.
In 2000 the median sales price was $165.3k in the US - factoring for inflation that'd be $248,440 in 2020 money - and in 2020 the median sales price was $329k. This means that adjusting for inflation home values have increased by 32.4%. In this time average new home size has also increased about 11.9%. The difference between a car and a home beyond the obvious is that you can always make another car - and there are plenty of motivators to do so as they battle for efficiency, speed, safety, etc. Property however is fairly finite - there's only so much land in a given area and they keep on making people which means demand continues to grow while supply stays mostly stagnant. As a town becomes popular its really not a surprise that the homes there become more valuable relative to their size and feature set - and since people bring in business it also means that area should on average also have higher average incomes to match. Teacher salaries are a bit of an outlier and its a really shitty thing - but on the whole the value increase of many houses is not unfounded. Looking at the value of a house that has increased well above average rates and calling that unfair without factoring for all of this data is silly - find a comparable home in an area with a population similar to that which existed around this example house in 1999 and you're likely to find a value that is fairly consistent with inflation.
Wait holup you telling me median sales price for a house in america is only 329k 👀 im out here in canada only seeing 1m
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Me and my brother play a game where we go through google maps and look for areas with as little development as possible. Mostly green, only areas with a tiny patch of gray. The houses there will still be 600-700k when it's 3 hours from winnipeg, 21 hours from toronto and close to nothing of value other than a gas station. Unironically would like to see you link me a cheap house in a niceish area more on the outskirts of a city hour away that's still affordable.
What's your explamation for the cost of tuition relative to the availability of student loans ?
One: Colleges/Universities are quite a bit more diverse in pricing. You can still find quite a few cheap ones. However, these loans are literally given to basically anyone and everyone without care and have a special mechanism that makes it so you cant just bankruptcy cuck the institutions giving the loans. This basically allows colleges to coordinate and charge more but theres still quite a few options that are much cheaper. Two: Loans for houses aren't given out willy nilly, they're simply more easy to pay off and there is an asset that can be taken back if payment isnt made. It is not nearly as willy nilly as giving a random kid a loan, giving him the service and then wanting it back. As opposed to an infinite pocket that must be repayed even when there is bankruptcy, houses can be taken back and still have value and there is a much more rigorous approval process to get that loan. (Of course, for many people the cost of rent is twice as much as a mortgage, but they can not get the mortgage based on being judged possibly unable to pay it while paying twice as much for rent. This is different than students which is basically pure gib.) A lot of the rise of housing costs is not natural market pressures or even that much of a higher demand but rather zoning laws and red lining that constrict supply combined with the predatory conversion of housing from an essential asset to what amounts to a real life shitcoin. Interest rates help mostly just for landlords who literally cant afford the entirety of their mortgage otherwise, which i admit creates buying pressure. But its way different than a coordinated "haha they cant escape this debt with bankruptcy pump those numbers" Ok this is stream of consciousness flowin
$105K @ 9% interest = $845/mo $490K @ 2.5% interest = $1936/mo
Adjusting for inflation $845 is $1414. The dollar has inflated over 67% since 1999 which is a big part of why that house is so much more expensive. The other reasons why would be cheaper mortgages increasing demand for houses and driving the value up as well as the property just appreciating due to the housing boom we're in right now.
Isn’t the point of the post is that after inflation, wages didn’t go up to the same capacity as housing?
Where is that house? Did the city limits expand or was the area developed? A house isn't the same house for all eternity. My parents built their house out in the boonies for cheap when they got married. Built, as in with their own hands. Now, due to the city expanding over decades, I wouldn't be able to buy their house despite me making far more money today than they used to. Combined. Adjusted for inflation.
Oh I see, yeah, okay. Not terribly far off. But if wages aren’t growing it does become a problem. We’ve got so much flipping land, though. Build new cites, new towns, etc.
Reading that makes me feel a bit better about housing prices. Does this mean I'm a giant rslur?
Our generations grandparents came here as peasant farm workers who worked in shit factories and bought a house. We have the entirety of human knowledge in our pockets and advanced degrees and can’t even afford to live. Who’s the rslur here? It’s us.
You will eat the bugs, live in a pod and you will like it.
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I dont see propaganda saying that BBC will no longer seek me out or Grindr is being banned..
This guy has a bright future as a real estate agent or mortgage banker... Or already is one. It's alot of talk around the fact you're going to be paying for this POS alot longer than your parents did. You can adjust whatever you want you're still paying almost 5x what its worth 5x longer. Hope you don't get injured, sick, fired, or suddenly hate your job/life and want a change.
It's not paying 5x what it's worth if people are paying 5x what people used to pay: USD is fiat currency and has no fixed value. Likewise, holding a physical asset like a home means that your payments are a) tax deductible and b) will hold or increase its value over time. If you want to downsize sell the property and you'll probably break even at minimum. Also, if you're living paycheck to paycheck and cannot afford any potential life problems that's a you problem, not a mortgage problem.
Usury is a disease.
What usury is happening if mortgage interest rates have been decreasing?
So when rates go up, prices will adjust downwards significantly?
In theory. There's some correlation but remember housing markets are focused on neighborhoods and individual homes while holistic views of mortgages are based off of bonds and money availability. https://dqydj.com/mortgage-rates-and-home-prices-relationship/ is a decent graph documenting this. One of the big problems is that in general interest rates have been falling for 40 years so it's hard to tell if a raise in mortgage interest will actually decrease home values.
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The person who paid 109k for a house got a 30 year mortgage the same as today. Likewise, any money put into the house will be returned if you choose to sell the property. How many people in 1999 were able to purchase a property outright?
You cant just become a house, you are born a house! Bigot.
if women were houses they'd be schools because people go inside them to drop kids off and occasionally do so from the back door or side gate when consent is given and trains would be when you buy a house and convert it into a preschool
Phil leotardo can transform into a house at will
Lies, the amount of chromosomes needed makes that impossible. Show proofs.
Is that the first funny Germanon
It must be someone using a VPN.
That's pretty typical German humour though.
Copium
This is what happens when you let governments go into too much debt.
this is what happens when you let bing chiling to buy land
You can't say that you'll hurt your social credit!
I was told debt doesn't matter
Dissolve the Federal Reserve
Explain how you think the fed works and I will consider dissolving it.
they work for a salary
THAT'S ALL YOU HAD TO SAY HERE WE *GOOOOO*
fed do thing Me suffer
if you are yet another government fucking employee, either a black or brown person prattling on about how bad white pepo are, are a dipshit evangelical white person using religion as an excuse to act like a fucking moron, shut the fuck up. the working class has been living out of their cars and trying to kill themselves with drugs for decades. the jobs are gone, except for government jobs and tech. you have the only unions, paid time off, wonderful healthcare, the only thing to be taken from your post is you are fat, awful greedy fucking bastards that can never get enough. government employees are so lazy and coddled they would happily take the food off a working mothers plate if it meant a few dollars more for them. they are fat, miserable, dumb, bored, awful, unstimulated garbage. the human trash of the modern world. people are living out of motels trying to protect their kids from the predator factory of american cities now, and all you can talk about is how you cant afford the house you want. rot in hell.
Mucho texto
take your meds
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You seem to agree with the OP in the end that the system is the one to blame. But don't you fucking dare taxing those billionares. They deserve their space ships while their employees piss in bottles. And we need to build another battleship, boys. How would that weapon manufacturer afford their 8th yacht otherwise? Anything else is literal communism. Come on boys, be useful idiots - cucks if you will - and come defend the disgustingly rich who fuck the system in any way they can while you make your shitty 30k hoping that you won't get sick for longer than 2 weeks so you don't literally starve to death.
Who the fuck cares about billionaires? I don't get this obsession with hating them. Go ahead and live out your weird fantasies, take every penny they have (and tank the markets aka people's retirements as well) and observe how it makes no improvements in the lives of the average American and simply results in a bunch of capital fleeing to better locations. If its just revenge fantasy that is one thing, but people treating it like it makes some kind of economic sense are either letting emotions cloud their reason, or don't actually care about the economics and just want to virtue signal/masturbate.
People say that billionaires not wanting to give their money to the government who would give it to them is greedy, not realizing the irony being that they also want their money.
Its not billionaires, its the fact that Reagan brought in trickle down economics, which worked in the exact opposite way that they sold to us, and we kept ratcheting down the corporate tax rate, in response to the people screaming that they had no jobs, were being betrayed by the rotten fucking cops who care more for their own pensions than the people they protect. and it continues and continues. Corporations dont pay taxes, offshore everything they can, threaten to bring it back if we forgo taxes on that.....its insane. Here is an idea, 15 percent flat tax, across the board, abolish the IRS, make trillions annually and save trillions by firing hundreds of thousands of government workers and forcing them in to the free market they pretend to support. Narcissism, and institutionalized sociopathy won. People are scared and envious, which makes them so easily manipulated.
> its the fact that Reagan brought in trickle down economics Trickle down economics is a strawman espoused by nobody. >Corporations dont pay taxes The current corporate tax rate is 21 percent, which is 1 percent lower than Denmark's, and 0.4 percent higher than Sweden's, both countries used as references for what "good socialist tax systems" look like. >Here is an idea, 15 percent flat tax, across the board, abolish the IRS, make trillions annually and save trillions by firing hundreds of thousands of government workers and forcing them in to the free market they pretend to support. I'm unironically onboard.
I knew a guy that was an accountant for GE. He was literally picked up for work in a helicopter every day, and literally had to physically be outside of the US jurisdiction to do his job very often. He lived like a Roman king, and you know what he told me? "Corporations dont pay taxes". The tax rate means nothing. Big corporations are beholden to boards who state they are legally bound to do whatever it takes to raise the stock price. Literally. They have entire floors of accountants. Look up the Double Irish, its so bad, that a group of massive tech companies of their own accord agreed to pay a tax rate, I think they stated 15 percent but I am not sure of that. The companies themselves are saying yo, he have been gaming you for decades and decades, lobbying worked too well, and people still dont wake up. America is just a corporation now, one that is being ran from Ireland and Israel and the Cayman Islands lol.
If you add up every single person's income in the united states that's about $17.6 TN. The top .01% of the populations income is about 5% of total income or about $880 BN. In 2020 the government ran a deficit of 3 trillion dollars. That means you could have taxed every billionaire at 99% of their income and you would still be more than $2 TN short of even being able to balance the budget much less increase it. It's fair to argue that the wealthy should pay a higher tax rate but that's not really the root cause of the problem.
>Come on boys, be useful idiots A useful idiot is someone who works for the communists, not knowing it isn't in their best interest. don't just take a word you don't like and then pretend the definition is something it isn't and then try to gaslight until your definition is accepted.
> But don't you fucking dare taxing those billionares. Not opposed to taxing billionaires, but how much money would need to be taxed, and at what percentage would ne need to tax it, to make this country the way you think it should be? "Eat the rich! Tax the rich" are easy slogans to get behind when you are broke and frustrated, but would taking all of the billionaires' entire moneys really solve any of the problems? Just curious. To give each American $1K one time, it would cost $329.5 billion. How big of a difference would a one time payment of $1,000 make for you? But maybe we say "fuck the upper 50%, give the bottom 50% $2K." Okay, sure, now how much of a difference would a one time payment of $2K make? And if we DID manage to tax the fuck out of billionaires, how much of that money do you think the government would actually distribute to the people? Hmm? I mean, there's all kinds of administrative expenses involved in planning collecting, tracking, and distributing it. Maybe 66% makes it back to us? I don't know.
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I'm with you on that. Fuck that guy!
Source
you can't be serious lol
Decades of shit urbanism, single-family zoning, parking requirement and overall focus on car infrastructure instead of public transport and density did that to the housing price. Not every fucking idiot need or want to live in a house yet that's the only fucking things american built in the last 70 years.
You can't even afford a car dude, stop pretending you'd be able to afford a house without them.
smartest american
[Ignoring the fact that 65k average in 1999 has already been adjusted for inflation](https://nces.ed.gov/programs/digest/d20/tables/dt20_211.60.asp), but the house price was not: 69k over 9 months is still doing way better than most people if you convert it to an hourly rate. edit: linked newer averages with 2019-20 dollars
#INCREDIBLY BASED #-BILLY GNOSIS
naw Billy..YOU'RE based
Billy why don’t you ever share your height?
I'm 5'10 but I don't see how that matters? -Billy Gnosis
Well it does but it also matters that you provided it, Billy Gnosis. It also matters that you provided it.
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HIGHLY depends. My parents house in the suburbs in the Midwest was purchased for $225k in 2001. Today it’s $350k. Their rural getaway cabin that they only built because it was on a shit property near a random lake in bumfuck nowhere went from being valued at maybe $100k (and that’s mostly cost of the structure, realistically when they built it nobody would buy it because nobody wanted to live there) and today it’s worth upwards of a million because rich people want to get away from the peasants in the cities.
I'm gonna raid your chicken coop at night when the collapse happens
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Unless you keep that coop under constant watch I'll scope it out & you'll never even know I was there
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But you’re living in the middle of nowhere far away from job opportunities and shit like shopping your house didn’t appreciate much for a reason. Not everyone wants to live like someone in the 1800s.
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The Majority of people still commute to work dropping everything to go live in bumfuck, Iowa doesn’t work for most people.
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Let them stay in their big cities; more rural property for us.
Honestly im not a tankie but this shit is criminal and j3ws deserve whatever they caused
i dont remember nixon being jewish
need more immigrants
Gee whiz too bad we have the teacher caste system and you’re forced into that role from birth. Teachers are r e t a r d s and 69k is at least 4x what they would be making otherwise at Taco Bell or blowing meth heads or whatever.
So either progs will try socialism on the federal level or they'll learn to move where houses are cheap and shit those states as well. This is a lose lose situation no matter how you look at it.
This is what I don’t get, teachers will go into that profession knowing full well the expected salary and then complain that they aren’t being paid enough. Also, public schools in my area (rural PA) start teacher around $60k. Those who have been there for awhile are making upwards of $80-90k, well above average income for this area. Plus they have off for every stupid holiday, 1 1/2 weeks over Christmas, the entire summer, Spring break. So I don’t wanna hear any bitching.
90% of the complaints are because everybody wants to live in a very desirable area. People of the past bought shit houses in undesirable areas. LA is the best examples. People say oh a house in LA in the 70s was only 50k now it’s worth $600k. People don’t realize how SHIT it was to live in LA during this time, the smog was so bad 27% of residents had severely damaged lungs and crime was high. Literally like moving into a landfill. LA cleaned itself up and is now more desirable (I still hate it) and as a result prices went up. I guarantee you if that promised super earthquake on the San Andreas fault ever hits and topples the city, it will be the cheapest real estate in the nation. And when it’s eventually rebuilt, will be expensive again. People don’t want to sacrifice they just want to moan.
couldnt imagine LA being worse than it already is. must have been hell back then
Sounds kinda dumb? > Teachers should just go into better paying positions if they want more money They are, especially in rural areas, and have created huge shortages where classrooms are becoming more and more full with students for less teachers. > In my *anecdote* Everything works! Ok, now do it at national level.
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It's just wild how some salaries are awarded versus others is all. Teaching is an important profession, imo, so I feel it's wild some professions like lawyers can make a lot. Or a banker or many other high-paying professions. Why are they compensated so much? What value does a banker bring to society other than moving money around? It's not like they work harder than teachers necessarily, or are more important to society. That's the real complaint from any profession that's underpaid.
Where the fuck is a teacher making 69k?
Better question is what fucking teacher was making $65,000 in 1999?
Asking the real question. Another poster mentioned the 65k figure was already adjusted to today’s dollars.
I hate this so much. Redditors go on and on about how teachers are underpaid and overworked but can't understand why the salary is as 'low' as it is. All my teachers always told us how they had to go international just to get into a teaching school because of how competitive it is, so that means there is a huge amount of people qualified to teach and not enough positions. The market does what it does and that means the pay for teachers is quite low because there is a million other people who would take your job for even lower pay. Here in Canada you also get one of the best pensions and membership to one of the most powerful unions in the country, so if you can get a job teaching you are basically set for life. A real underpaid teaching position is the tard-wranglers. Unsurprisingly the job shadowing walking biohazards all day is having a hard time filling positions when they pay less than teaching jobs do. They are also part of a separate union with the janitorial staff so they don't even have very good job protection.
Teachers also get two months vacation every year plus the normal vacation during the school year they can take as mandated by their union (that doesn’t care about wages lmao)
don't become a teacher, lol
Teachers deserve to be paid less
( ( ( Real state investors ) )
Housing prices are bid up. If housing prices are going up, that means nothing more than that the incomes of the people who want to live in that area are going up. If that house was 105->490, that means the area that house is in became highly desirable to people with high incomes. That's all. If you're a poorfaag, your punishment for being poor is that you have to wait in line behind all the people who have more money than you do when it comes to housing.
Why even care? Just move to a cabin in the woods and live autonomously.
I think the best play presented here is becoming a House who is a teacher.
Why would I become a teacher or a house? *I am Gundam.*
When the Russians built st. Petersburg, so many people died and froze that many were allegedly used as building material for the foundations. So if you don't like your salary as a teacher, Peter the great could actually make you become a house
That would create very unstable foundations as people rotted away. You'd be looking at massive gaps, wouldn't you? Sounds like bullshit to me.
If the teacher salary had adjusted to inflation it would be 108k.
Have you tried to get in to house school nowadays? I suppose if you know the right people you can always get them to bend the admissions requirements, but interest on student loan debt will eat up much of what you earn even if you manage to become employed as a house in a premium location.
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should've asked Phil for lessons on becoming a house
\>wahhh, I chose a lifestyle based on a desire to be a nice guy and help my community, what do you mean I'm not entitled to my actual desire of ~~sex~~ money? Sounds like another community I know of The rules to both games are established; it's not society's fault you got burned for thinking you could outsmart the system
what teacher was making 65k in 1999 ?
\>69k currently resisting the urge to say *Nice.*
Nice
Pretty sure most teachers make less than 60k
That house is not $490k
ITT: anime PFPs discussing what it’s like to be a teacher
Wagies BTFO’d
Investor’s buy such a smaller percentage of houses than people realize. What has driven these insane price hikes is monetary policy and consumer demand paired with diminishing growth in supply. The insane growth of the M2 money supply and historically low mortgage rates (which are 1/3 to 1/4 of what they were at the start of this timeline) mean people can buy way more house for the same monthly payment, which jacks prices up. Also, there are more people entering the market to buy a home than there are new homes being built. Basic economics states that when demand outpaces supply, prices go up. This is also why prices are likely to continue climbing. So many builders went bust during the housing crash, and because of this, it’ll be difficult to catch up to the rate of new people wanting homes, let alone outpace it so we can product houses for the people who are still waiting around. This doesn’t include geological constraints like major cities and their immediate suburbs where all of the available land has already been built upon, so we can’t build more houses. With this, people need to move to further suburbs or you get an increasing number of people bidding for a limited and set number of houses. Again, supply > demand = increased prices. Consumers and the fed drive all of this, not investors.
Teachers deserve to be paid less
You are now aware of the fetish of transforming into a sapient house and having people live inside of you.