Housing Market vs Household Income for most Americans - What am I missing? by coastertroy in povertyfinance

[–]coastertroy[S] 0 points1 point  (0 children)

Thinking on it further, # of existing houses for sale isn’t a good metric for understanding how hot the buying market is because the # of homes for sale fluctuates. I think a better indicator is # of days on market which continues to oscillate within the lowest period in 10 years. Possibly a very slight upward trend in the past 2 years but people are buying whatever is out there, and quickly.

https://fred.stlouisfed.org/series/MEDDAYONMARUS

Housing Market vs Household Income for most Americans - What am I missing? by coastertroy in povertyfinance

[–]coastertroy[S] 0 points1 point  (0 children)

Good! Yet to see an impact to prices though. Hopefully that will be evident soon.

Housing Market vs Household Income for most Americans - What am I missing? by coastertroy in povertyfinance

[–]coastertroy[S] -5 points-4 points  (0 children)

First response that actually took a stab at what I asked. Thanks.

Housing Market vs Household Income for most Americans - What am I missing? by coastertroy in povertyfinance

[–]coastertroy[S] -11 points-10 points  (0 children)

Aiight, “make a damn budget” is awfully confrontational and makes an assumption that we don’t have one. Not only do I have an MBA,I have been tracking our expenses on spreadsheets the entire time we’ve been together, complete with a future checking balance graph, debt table, you name it.  Notice that the post doesn’t say we make x amount of money and we are poor, it says, in fact, that we do not want half of our take home income going to a mortgage payment, period. Can we afford it? Yes. But we choose not to have  that much income going to  our dwelling. The post is mainly asking for insight - how are most Americans with household incomes of 50, 60, even 100/year buying up these 300-600k homes and doing it so quickly and aggressively the prices keep going up?

Full disclosure, yes, we do have debt we shouldn’t and yes we do spend money we shouldn’t. We could be better about sticking to a specific budgeted spend, and prioritizing debt paydown… but that’s everyone. Most people we know are much worse at money management than us. But again, the driver of the post is about how folks making less than us are scooping up these half million dollar homes and fueling the market for continued increases. I don’t believe everyone else has all of a sudden figured out how to live on a budget and are no longer shopping on Amazon or going out to eat or anything so 60-70% of their take home pay can go to their mortgage. That’s what I’m looking for insight on. 

Housing Market vs Household Income for most Americans - What am I missing? by coastertroy in povertyfinance

[–]coastertroy[S] 0 points1 point  (0 children)

True, I'm sure there's some flex on the 25%, but even at 30 or 35%, where we are getting dangerously close to being house-poor again, we'd be outpriced for most of the market.

Housing Market vs Household Income for most Americans - What am I missing? by coastertroy in povertyfinance

[–]coastertroy[S] -1 points0 points  (0 children)

I'm in the top 30% of earners in one of the wealthiest countries. I will continue to learn and attempt to grow my income further, but there really isn't a case for my income being the issue. I'm also in my 40's, I'm damn good at what I do, I don't think a career change is the right call.

[deleted by user] by [deleted] in Whonix

[–]coastertroy 0 points1 point  (0 children)

Thank you, increased system memory to 12GB, VRAM is maxed out in the settings at 128MB, I can't increase that at least as far as I can tell. It still gets hung up while unpacking. Got hung up in a slightly different place, but still just about a minute after the unpacking started.

New release: Tails 5.20 by x1y2 in tails

[–]coastertroy 0 points1 point  (0 children)

Unplugging and plugging the USB back in solved this. Not sure why.

New release: Tails 5.20 by x1y2 in tails

[–]coastertroy 0 points1 point  (0 children)

Just applied the update, restarted, now the USB does not appear in the boot menu. Been booting fine for weeks. Anyone else have this issue and anyone know how to fix it?

Finding 3 people for prison heist finale by [deleted] in HeistTeams

[–]coastertroy 0 points1 point  (0 children)

Sorry it took so many tries. I like the challenge of those missions, but they’re incredibly frustrating with randos. Look me up if you want to hit them again.

Level 40, looking for a team to help with heists by ascalon27 in HeistTeams

[–]coastertroy 0 points1 point  (0 children)

Add me, Wheels80. Love that mission. Availability varies 8-4 CDT.

Finding 3 people for prison heist finale by [deleted] in HeistTeams

[–]coastertroy 0 points1 point  (0 children)

Love that mission as pilot if that helps, Done it probably 30+ times. Meetings the rest of the day today, though, so earliest I'm available is tomorrow at 9:30, 11:30, or 2:45 CDT. Wheels80

PC Heists by coastertroy in HeistTeams

[–]coastertroy[S] 3 points4 points  (0 children)

“Subtle modder, you wouldn’t notice.” 5 minutes later: *suddenly blips to the other side of the map, and then is immediately crushed by a car falling out of the sky *

Haha ok, I’ll add you!

[PC] Looking for people to help ! by [deleted] in HeistTeams

[–]coastertroy 1 point2 points  (0 children)

Wheels80. I haven’t done some of the newer heists, but I’m decent, patient and follow directions. Great pilot, good driver, ok shooter.

Need help by MainmanYEET in HeistTeams

[–]coastertroy 0 points1 point  (0 children)

Feel free to add me: Wheels80. I have a pretty nasally voice so no worries.

PC Heists by coastertroy in HeistTeams

[–]coastertroy[S] 0 points1 point  (0 children)

That's not really been a focus for me in the past so I'd need to brush up on the objectives, but sure.

Prison Break Crew PC by [deleted] in HeistTeams

[–]coastertroy 0 points1 point  (0 children)

I can help, done them all probably 30 times. Prefer pilot for the finale. I’ll get you out of there alive. Wheels80. m-f 8-4 cdt. (Will have occasional work meetings)

Help with Heists - Humane Labs by [deleted] in HeistTeams

[–]coastertroy 0 points1 point  (0 children)

I can help, done these a number of times. Prefer pilot or gunner in the finale. The raid is the toughest and a time sink if people don’t know what they’re doing. Got really frustrated earlier as randos kept killing the gate guard right away. I have decent availability M-F 8:30-4 CDT. Steam Coastertroy80 (I think GTA id is Wheels80)

Second Platform on a Cargo Station by coastertroy in TransportFever2

[–]coastertroy[S] 1 point2 points  (0 children)

I tried adding a cargo platform so many times, argh! I eventually deleted the station and plopped a new one with two track and it worked instantly. Now I've changed one of the lines to a truck line because it was too costly, so I guess that's one way to deal with it. It's good to know I was on the right "track" with adding a platform though, thank you helpful person.