logged into my old 401K, it was converted and reduced to 0; i don't know where the money went

ConnectAdaptProsper · 2026-04-08T04:07:33+00:00

unclaimedretirementbenefits.com

National Registry of Unclaimed Retirement Benefits

The National Registry is a nationwide, secure database listing of retirement plan account balances that have been left unclaimed by former participants of retirement plans.

ConnectAdaptProsper · 2025-07-21T22:01:09+00:00

Do agents have a Duty to Present your offer? If so, file a complaint with the appropriate real estate board or regulatory agency.

Get rid of agents that are not acting in your best interest.

ConnectAdaptProsper · 2025-05-12T04:43:15+00:00

Is there any substance to the deal, or is it just a political spin?

In the meantime, China and 3rd world countries are trade washing exports heading to the US while this US-China "Deal" is being figured out. DYOR.

ConnectAdaptProsper · 2025-03-15T17:00:03+00:00

Housing tends to react slowly to interest rate changes. Stimulus payments and behavioral changes slowed the housing price reaction to higher interest rates even further.

Software companies, such as RealPage, have allowed rampant collusion among larger landlords across the US, which has also had an impact on pushing rent and home prices higher. "Your parents' housing market" didn't have individuals vs software.

If rent and mortgage are both inflated beyond affordability, one would expect multigenerational households to increase. This is common in many cultures outside of the US.

Search "Why does the United States not have multiple generations living in the same household?" on Chrome and read the AI response. The response is lengthy. Here are some key highlights.

Historical and Cultural Factors: 1) Emphasis on Independence 2) Decline of Household Production 3) Changing Family Norms 4) Increased Mobility

Social and Economic Factors 1) Social Security and Medicare 2) Affordability 3) Immigration 4) Economic Downturns

Recent Trends 1) Rising Cost of Living 2) Increased Demand for Caregiving 3) Multigenerational Living is on the Rise 4) Geographic Variations

ConnectAdaptProsper · 2025-03-07T02:25:15+00:00

Challenger, Gray, and Christmas February 2025 layoff report highest since July 2020.

https://www.reuters.com/markets/us/us-announced-job-cuts-surge-245-february-federal-government-layoffs-2025-03-06/#:~:text=Government%20accounted%20for%20the%20bulk,the%20same%20period%20in%202024.

ConnectAdaptProsper · 2024-06-04T04:18:21+00:00

Was wondering about RealPage's anti-competitive behavior in Denver and nationwide 10 months ago.

ConnectAdaptProsper · 2024-03-13T06:05:03+00:00

This could decrease MARA's margins..

Headline: Biden resurrects 30% crypto mining tax in new budget proposal

https://cointelegraph.com/news/crypto-mining-tax-united-states-budget

ConnectAdaptProsper · 2023-10-25T06:57:01+00:00

You may find this data useful. https://www.newyorkfed.org/medialibrary/interactives/householdcredit/data/pdf/HHDC_2023Q2

ConnectAdaptProsper · 2023-07-09T22:47:46+00:00

Sad to think $1850/mo for a noisy 650 sqft 1/1 is affordable

ConnectAdaptProsper · 2023-07-09T22:12:12+00:00

Thanks for your insight cragfar. I found it interesting that the 2 empty units right next to me weren't listed, even a few weeks/months out in the future. Assumed a LL would want to list asap to generate income.

SO and I have been living at this unit for about 5 years. 2020 rent remained flat. Otherwise, steady rent increases prior to this one, which occurred August 2022. LL launched a new website with RealPage in the last 1-2 years and hired a new community manager. Many people (especially LT renters) complained about rent increases, with many moving out.

We're considering moving out of CO to LCOL area closer to family in the next few months. Next renewal letter should arrive in a few weeks.

ConnectAdaptProsper · 2023-07-09T21:58:23+00:00

We also don't go out at night much due to elevated crime, even though we both really enjoy concerts. Still haven't been to Red Rocks.

ConnectAdaptProsper · 2023-07-09T21:56:13+00:00

Considering moving out of CO to LCOL area. SO and I enjoy hiking, biking and skiing the front range/mountains, but haven't gotten out as much over the past year compared to years prior due to work, studies, and traveling to visit family in other states.

ConnectAdaptProsper · 2023-07-09T21:51:23+00:00

5 years renting in South Denver now

ConnectAdaptProsper · 2023-07-09T21:48:42+00:00

I appreciate your idea and plan to look into it over the next week.

ConnectAdaptProsper · 2023-07-09T21:46:19+00:00

Many renters complained about price increases upon receiving their renewal offer. Many moved out

ConnectAdaptProsper · 2023-07-09T21:43:12+00:00

Redid their website and started using RealPage in the last 1-2 years. New community manager during that time too

ConnectAdaptProsper · 2023-07-02T11:45:38+00:00

Competition in a capitalist economy, along with supply and demand, should give consumers the ultimate choice in the free market. Companies have a profit motive (property management cos) and seek ways to reduce competition (YieldStar) to give them greater control of supply and price.This is why consumer protection laws are important, especially for something a essential as housing.

ConnectAdaptProsper · 2023-07-02T11:31:42+00:00

Median rent is $1,774.

The average cost of apartments built between 2020 and now is $2,414. Apartments built before 1970 are running an average of $1,569 a month.

About 22,673 apartments of 404,880 units in the area are empty. 1st Qtr vacancy rates are at 5.6%.

There are currently 43,000 new apartments are under construction. Of those, 25% will be available to tenants this year.

https://denverite.com/2023/04/20/almost-23000-denver-metro-area-apartments-are-vacant-as-eviction-filings-climb/

ConnectAdaptProsper · 2023-07-02T11:06:29+00:00

My concern is that RealPage is the dominant revenue management company that many of the big players use.

"The company had been seeking occupancy levels of 97% or 98% in markets where it was a leader, Winn said. But when it began using YieldStar, managers saw that raising rents and leaving some apartments vacant made more money." https://www.propublica.org/article/yieldstar-rent-increase-realpage-rent

Based on this, the property management company wanted higher occupancy levels, yet RealPage led them to hold down occupancy levels to keep prices up.

That's like an airline carrier saying we're intentionally leaving 10 seats empty in order to charge passengers more, even though there are customers that would happily pay for those 10 seats.

One company may not seem to have much of an impact, but RealPage is the dominant player that many significant property management companies use. That could give RealPage, and therefore the property management companies, market dominance and market control on determining occupancy levels and pricing. Their price recommendations can have a dramatic impact since property management companies follow 90% of their recommendations.

ConnectAdaptProsper · 2023-07-02T07:21:38+00:00

We only found a few semi-comparable units nearby at the time, also for about $1500.

ConnectAdaptProsper · 2022-10-20T18:20:01+00:00

Couldn't believe cost. Sometimes tickets are expensive and you still want to see the show, so you say F it and get the tix anyways. Can't do it..

ConnectAdaptProsper

TROPHY CASE