One thing of note with the Steam Deck is that it CAN stream games from your PC, allowing you access to your whole library. You get access to fewer games in SteamOS (there’s still a ton). You can always look up what games are natively compatible with Steam Deck before you buy. The big ticket games are usually compatible nowadays (Starfield was markedly absent, but BG3 is there all-the-way).

Are you referring to Presh Talwalkar or someone else? How about his reference for historical use, Elizabeth Brown Davis? He also references a Slate article by Tara Haelle. I’ve heard Presh respond to people in the past over questions like this, and I’d love to hear his take on such a debunking. I have a lot of respect for him.

Your “debunk” link seems to debunk a clear rule-change in 1917. I wouldn’t disagree with that. I’ve never heard the variant where there was a clear change in 1917. Instead, it seems there was historical vagueness until the rules we now accept were slowly consolidated. Which actually makes sense.

The Distributive Law obviously applies, but I’m seeing references that would still assert that (6÷2) could at one time have been the portion multiplied with the (3).

And again, from logic I come from a place of avoiding ambiguity. When there is a controversiallly ambiguous form and an undeniablely unambiguous form, the undeniably unambiguous form is preferable.

He’s basically threatening to move to a subscription-instead-of-purchase model. They’ve toyed with this idea for years, and have been trying to normalize it.

These memes are always using terribly structured logic to justify piracy.

Agreed. Nobody needs to justify piracy. Piracy is automatically justified because the reasons people justified banning piracy were bad-faith. Digital IP is theft whose only purpose has failed.

Subscription models are great when they’re not trying to fuck you. There are upsides and downsides, but if you have options between subscribing with a one-click unsub or buying games and you choose subscribe, it might just be for good reason.

I got Game Pass because I wasn’t sure I’d like Starfield. I now have 20 games installed (including Starfield) and just pause game pass when work is too busy for me to get value out of it. I’m at about $70 total spend. Yeah that’s more than starfield, but I’ve enjoyed close to $500 in games, some of which I either wouldn’t have bought and love or WOULD have bought and am glad I didn’t.

But if somebody makes you pay $20/mo for Dildo Simulator, and colors and sizes are paid DLC, then they’re just trying to fuck you.

Most tenants are functionally judgement-proof, unless you only rent to upper-middle class people

This is fair on large damage numbers, but you can often squeeze someone making $40-50k/yr if they owe you $5-$10k in malice-caused damages… but more importantly, for that kind of damage, you’re talking about small-claims court. You don’t need a lawyer, just time, and “they poured concrete into the toilet - here’s my bill” is the kind of open-and-shut case small-claims court thrives on.

As far as not being a slumlord, I have absolutely no tolerance for landlords that don’t want to keep properties in good repair, full stop

100% agree. But even super-renter-friendly states do little to hold landlords accountable. If you want to be a slumlord, you can be a successful slumlord. Tenant holds you to task with the state? You don’t renew the lease. There’s ways they can fuck with you if they know better, but often they don’t. From someone I’m involved in a lawsuit with (can’t give details), slumlording is a no-brainer as a numbers game. 100 slum apartments, get sued once a year, huge win.

Yeah, it’s expensive to replace a roof, but fuck you, that’s why you’re taking in rent.

Fuck yes. I’m not a huge fan of the whole “all landlords are evil” tankie rhetoric, but boy do I sympathize with them on the specific topic of slumlords.

I’m not questioning your motives directly. I’m suggesting that the changes you’re looking for are still going to cause more harm than good to most people.

Is your family privileged? Absolutely! Is it fair to the others that they are able to buy homes and even keep them if they fucked up financially while most other lose everything? Not in my opinion.

Have you ever read Harrison Bergeron by Vonnegut? I’m not a capitalist, but I still firmly believe you need to show your work when you want to take action that hurts the lower 99% to “even the playing field”.

As a privileged person, you might want to add some empathy to your answers in the future.

You just wrongly accused me of not having af air discussion among equals, and then you pull this? The only thing you know about me is that someone in my extended family has made enough money in their life to buy two rental properties. They don’t owe me anything. How does that make me privileged?

Further, you’re accusing me of lacking empathy. Why? I have the same problem with preventing them from buying a house as you would have if I said we needed to kick EVERYONE out of their homes because somebody out there is homeless. It’s the same thing to me. It’s obviously not the same thing to you. Do I get to say you lack empathy because of it? Because I don’t plan to. Instead, I like to engage as to why that’s a bad idea.

I will kindly direct you to my very first comment in this thread. Cheers.

Your first comment did not include a “why”. But you also don’t seem to want to engage. Just throwing out a horrific idea on purpose to troll? I think I’m going to presume you’re acting with self-awareness because I don’t want to insult your intelligence.

So you do you. I’m out. Not like what you’re suggesting will ever happen for people to lose sleep over it.

I understand the idea and its great if they were able to do that but the world would look a lot different if they would actually do it differently

I don’t think anyone has demonstrated that’s true. If everyone but megacorporations stopped owning property other than the one they live in, I don’t thin housing prices or rent would go down. In fact, it would have unexpected side-effects like increased rental rates (since you’d have to jump through even more hoops). Imagine if you will, the pre-flip car lease market. Owning cars was the way of the poor, leasing a new car every few years was the way of the rich. If only owner-occupied could be rentals, rent would skyrocket and the MANY people who want to rent would have to fight with each other. Consortiums would find a legal way to buy luxury rental buildings and have a dedicated “owner” live in them. As you implied, supply and demand. A lot of people don’t want the liability of property ownership for reasons other than “being too poor to buy a house”.

There would be more houses to buy and they would be cheaper, their money would need to be put in other things to collect interest

Yeah, it would collect more interest. So long as nothing happened to them (which it hasn’t), they’d end up a lot richer. But it’s a lot more risk because if something did happen to them, it would be harder for that money to be earmarked into a trust in the kids’ name like the houses are. So they would have had to live with the real risk that their son would end up homeless, but yay they’d have a lot more money.

The problem with a lot of people suggesting real-estate reform is that they don’t understand why individuals (not big businesses, that’s different) buy rental houses. It’s rarely about maximizing profit, it’s about minimizing or mitigating risk.

To be clear: your extended family is not the problem imo and would not suffer from a law like this.

Except, it sounds like you just said they would not be allowed to do what they did, and would be stuck with riskier propositions. Those houses were purchased under little LLCs so that if they got sued into bankruptcy their kids would still have a home (they themselves are under Homestead protections like most homeowners in my state). Not that they expected to be sued, but it’s called “doing anything to make sure my kids don’t end up on the street”. That’s what happens when you grow up in poverty. And there really is no better, simpler, and more reasonable way to make sure your kid won’t be homeless than to buy them a house. And if you’re not filthy rich, that doesn’t mean buying it cash and handing it to them on a silver platter. (technically, I think that silver-platter method would still be allowed under the plan I’m objecting to because the kids would have an owner-occupied house in their name… yay rich people I guess. My family isn’t rich enough for that)

It really is the Dems on this one.

I’m not sure you understand how Massachusetts politics works (or perhaps any local politics). I can’t speak for the other states with in-depth knowledge, but boy can I school you about Massachusetts.

Federally, we’re a deep-blue state, but that’s just not all of how it works at the state level. With a few exceptions we usually have a Republican governor. Yeah, the rest of the US like to call them “RINO” because the’re not on board with the craziest shit the alt-right has to offer. Most (if not all) of these changes happened under Romney and Baker, both Republican. Of note, none of these changes I’m talking about have ever shown up in a bill in legislature. They’ve all be driven by the executive action upon the mandate. That is, they fall on the governor. Who was Republican.

…and yet, I didn’t say it’s The Republicans, either. Democrats could’ve stepped in by passing laws preventing that behavior. We didn’t because our Democrats like to keep peace with our Republicans and, frankly, because the Democrats don’t care enough to involve themselves in the HOW as long as subsidies are happening.

But Dems aren’t following through with what they say they want to do–affordable housing for all

Again, I can only speak for MA. With one very recent exception (and excepting the recent excessive price spikes), MA does fairly well with providing affordable housing for all as long as it’s outside of Boston. But I think I wasn’t being entirely clear. I am mostly talking about Housing Project availability. Section 8 is, as you suggested, up to the landlord. It’s worded to allow people to live basically anywhere, even in the heart of Boston, with a limited income.

BTW - section 8 should be great for a landlord. You are guaranteed payment on the 1st of every month, and you can still initiate eviction if the tenant is trashing your property or doing crime

From family experience, the issue is that “trashing your property” can cost you years of profits or even force you to sell the building. I’ve had family deal with the notorious “cement in the toilet” meme for real. People really do it and it really costs a massive amount of money to handle. Home and landlord insurance does not cover intentional damage by tenants. We’re talking up to $15,000 damage just because they’re mad you’re evicting them.

Most landlords don’t care about “not wanting poor people” with Section 8. They care about having judgement-proof tenants who can cause damage and never be held accountable due to being poor. They also have to meet certain building code and quality standards that non-section-8 landlords don’t! There’s a LOT of non-section-8 rentals in New Bedford for this reason. No, they’re not trying to gentrify Durfee Street, I promise you that!

There’s two sides to the section 8 coin. Side 1 is that the rent is slightly above-average and some of it always shows up on time. Side 2 is that the rest of it is often late, overall risk is higher, and then you actually can’t be a slumlord. I mean, look at the list of rules. Everyone I know living in New Bedford apartments have (checks list) shitty or broken HVAC, decaying building foundation, crappy interior stairs, pest issues, flaking paint, etc. Not only can landlords get away with a lot of that (and worse) normally, but Section 8 includes annual and spot inspections for all of them.

I don’t fault the state making these demands, but it leads to a lot of people not registering their rental with Section 8, for reasons that have nothing to do with Poor tenants (and in many cases BECAUSE they’re going to have poor tenants who won’t pitch a fit about a not-to-code apartment). I’ve rented from places that would have failed Section 8. And I kept my mouth shut.

The problem is the lack of business-reason to spend money on things that do not raise the property value. Unfortunately “fixing things” usually carries a negative value return.

The common things flippers do (and I know this from some friends who did real-estate for flippers) is buy houses that mostly need the most efficient changes - new tile, paint, etc, with minimal inexpensive fixes to make the house saleable. And honestly, that’s obvious when you say it. The extension of that is that if you can cover up an issue or the issue is not outside margins of being saleable (old septic, safe-but-near-EOL electrical, less ideal insulation, intentionally avoiding discovering asbestos where it probably exists, etc), you should.

Then, depending on local laws, flippers have more limited disclosure requirements than builders. Which means anything that isn’t “gross negligence” that cannot show up on a home inspection… you. just. don’t. do.

Here’s an interesting article on the risk.

But if you think that it’s reasonable for someone to own a house where they work, where they originally were from, and where they want to vacation, then quite frankly I don’t think we are ever going to see eye to eye.

I think there’s an “OR” there, not an “AND”. Or are you refusing to see eye to eye with someone who buys a house somewhere because their career moved, then chooses to keep the old one because they were able to rent it? If that’s the case, why?

Also, if it could conclusively be shown that keeping people from having a second home wouldn’t affect homelessness (which I suspect is true), would you still want to prevent ownership of a second home? If so, why? Just want to stick it to the middle class?

I’m sorry, but considering the top 1% has more than twice wealth of the entire bottom 99% combined, it seems counterintuitive to pass radical reforms that have a larger effect on the lower 99% than the top 1%.

I mean, if I were filthy rich and that kind of thing passed, I would just deed out a single plot of land with a 100-mile or more strip between two 100-acre squares (probably work with other 1%ers to have a co-op of that thin strip of land) and I’d get away with having as many houses as I wanted.

But someone like you or me finds a good price on a little 800sqft second house close to work saving time, money, and environment on commuting? Banned?

I have extended family that fall into “lower-upper class” but also know their income has an end date (comes from a lucrative career). They saved up and every time one of their kids turned 18, they bought a house to use as a rental property with a “just in case, my child will never end up homeless” gameplan. Not a huge cash expenditure for them and not a huge profit center, it bought them peace of mind a WHOLE lot cheaper overall than adding an apartment to their house for him to move back into as an adult.

I always found that reasonable, and it did in fact keep them from ending up with a basically homeless 30-something.

I’m okay with house flippers because they’ll buy undervalued run down houses nobody wants and turn them into desirable homes.

House flippers are arguably responsible for a housing-quality crisis. Flippers often fewer lower code requirements than new builders. You end up with a lot of houses with nothing but cosmetic remediation and fairly substantial issues otherwise.

Dems say they want affordable housing, right up until someone wants to put it in their neighborhood, then they start acting like Republicans

In my experience, this isn’t the case unless someone (sometimes Republicans, sometimes just politicians) try to put ALL the affordable housing into specific neighborhoods for selfish reasons, or the place the affordable housing is going doesn’t have jobs because someone actively avoid putting them in the places with jobs because “them poor people are criminals and will hurt business”.

New Bedford, MA was a great example. It was an open secret that MA acted to ship a high percentage of projects and Section 8 to New Bedford. It’s also an open secret that budgeted commuter rail plans to New Bedford kept getting cut despite the rail running to the rural ass-crack of Western Mass, creating a job-starved desert of one of the otherwise most established economies in the state. Solely because somebody didn’t want people in affordable housing to have mass-transit access to most of the state.

I don’t blame “The Dems” for that. Neither should anyone. This isn’t NIMBY, this is “Let’s put them all in your back yard. Then put more in your back yard. Then keep it coming. Then burn the bridge. Aren’t I doing good?”

What I don’t get is how most places, people get mad at us for not being able to read an article due to the paywall. I mean, I’m not going to subscribe to 50 shitty news sites just so I can read someone’s damn random shit.

Around here, it’s not really linked. The heat of the apartment market is directly tied to the projected ROI, based on the demand of rental properties and the demand of rent itself. Like Bitcoin mining, sometimes the ROI gets really low or even negative in the short- or medium-term. The friction between the two factors tend to warm or cool one of the markets, but it takes times.

Consider/remember this. Many landlords aren’t paying a mortgage, and don’t need to tie rent to “a house’s value at the time of purchase”. They still profit when rent is below the average mortgage, or if rent is well above it. The only thing they care about is maximizing profits regardless of how full/empty their units are. Similarly on the renting side is lifestyle renters. They don’t rent “because I can’t afford a mortgage”. They rent because they don’t want to be tied down. They aren’t ready to settle and might or might not move 1000 miles next year.

Those two categories are fairly numerous, and both present forces that influence the rental market independently from the purchase market. It means that places with less long-term demand like Detroit, Philly, or Houston have ownership TCO far lower than rent rates. Flip-side, there are just as many cities on the other side of the spectrum. The average rent in Austin is $2000/mo cheaper than mortgage payments on a starter home. In San Francisco, that difference is almost $3000/mo.

It’s the free country thing. Typical rental leases renew every year (and typically, renters like that freedom). A landlord can simply decline to renew if you’re “too much trouble”.

So you could challenge the illegal rent increase in court and win, but then he declines to renew. You could refuse to pay the illegal increase (doing it the right/legal way) and/or even just stop paying rent. But then he eventually evicts you, or just declines to renew.

In the end, rent is supposed to be temporary. And when it is temporary enough that moving out can be your leverage, it works. If you are settling down somewhere, it really should be owned.

One can get place renting for $2k, but can’t get approved for that mortgage amount even with tons of history showing it’s paid

I think the issue there is that there’s more risk to mortgage companies than “tons of history showing it’s paid”. There’s a reason they use complicated equations instead of interviews to make decisions related to risk. Questions that don’t directly relate to someone being unable to pay mortgage:

1. Will they take action that reduces the property value enough to put them underwater
2. If they choose to walk away for some reason, what percent of our investment do we get back?

And with the rest of the equation, home ownership is higher risk than renting because a tenant isn’t responsible for damage and repairs. If, for example, peeling asbestos gets discovered and you have to move out to fix it to the tune of $10,000 or more, will that homeowner be able to afford it? Will they just walk out and start renting somewhere? There’s a lot of things not covered by homeowners insurance that can financially devastate a homeowner, and the mortgagee (bank) might notice an income disruption that a renter would not.

And #3 - redundancy so a family member doesn’t end up homeless. I have family that does fairly well for itself. When their first kid turned 18, they bought a rental house in case she needed it someday. When their second kid turned 18, they bought a rental house in case he needed it someday.

So they own two buildings “for the purpose of renting it out”. Building number 2 is now perma-“rented” to kid number 2 because he needed it.

Also, bullet point #1. The NDQ typical long-term return is approximately 11%. Due to recent bubble bursts, it’s down to 10.4%. Importantly, that’s almost exactly 1.3mil in 10 years from 500k. Everything I’ve ever read and learned from investing or investors repeats that rental real-estate is a stable investment, not an aggressive one.

Apartment valuation is calculated on operations not on the market

Apartment valuation in my area spiked until the ROI crossed 10+ years. People stopped buying apartment buildings for a while except as owner-occupied with renters to assist. But in my area, none of those reach anywhere near a net-zero mortgage. The market absolutely still has an effect on valuation in most areas.

But two towns over, people are selling apartment buildings with 2-3 year ROIs, and they’re being swept up by one of a small handful of investors. Building maintenance is terrible, and there’s very little interest in the legal risk of being slumlords except those who are already slumlords over 40-50 buildings or more.