/biz/ - Business & Finance

Georgism solves this

Deal with it.

>>49938411
where to codemonkeys fit in this picture?

>commies think we all need to follow Adam Smith blindly the way they blindly follow Marx
N

>>49939021
>being so brainwashed by american propaganda that they think any anti-landlord sentiment is inherently communist in nature and not just an attack against a parasite

>>49939357
The word, as used by Smith, is rentier.
If you write that and can somehow explain it to mutts with hand puppets you might get somewhere.

Landlord had an entirely different connotation in 18th century Scotland. More of a feudal lord than someone who owns and maintains a depreciating asset.

Whos that commie?

>>49939477
>house
>depreciating asses
How do you come up with this stuff :')

>>49939477
Wrong, his sentiment is quite clear. I've read his autistic, dry, paperweights at least a dozen times. He hates anyone who doesn't actively contribute to society. If you aren't producing something, Smith considered you a parasite. He also found Noblesse Oblige to be an important part of a strong society and economy and he would undoubtedly consider modern landlords failures at such. Ignoring the truths Smith has laid out for us is how you get rampant support for communism. But I wouldn't expect double digit IQs like most conservatives or leftists to understand this.

bankers are worse

>>49938961
Not even in the same area code.

>>49938961
Working class:
Embedded systems programmers for industrial applications etc.
"Working class":
Webdevs. Finance devs. Cryptodevs.
Upper class:
Actual devs and academics that make everything the workers rely on.

>>49939833
>modern landlords
lets not get ahead of ourselves here. Smith is talking to us from 1776. I wonder if he would sing the same tune, if he lived today? for many living today, being a landlord is the only way they know of to get out of the dead-end wagie lifestyle. and as far as "contributing to society" goes, I wonder what Smith would have thought of the kind of 'contributions' that wagies provide to 'society' today?
the language writers use has remained much the same, but the ideas and the connotations behind the words surely haven't. in some cases the ideas have changed so much that even the language had to change: we call workers "wagies" now, because a "worker" implies someone who earns a salary, has a home, has a family, has a future - when in reality the modern day 'worker' has none of that.

>>49938278
>18th century
>[landlords]
aka actual lords and barons. Modern landlords have to put in work to see a profit. Good b8 though.

>>49939833
>He hates anyone who doesn't actively contribute to society.
Landlords provide shelter and services. How is that not contributing to society?

>>49940050
>>49940136
>>49940166

The modern landlord is a redundant middle manager in the deal. If landlords didn't exist, nothing would change in the housing exchange. The house existed before the landlord, the person in need of shelter existed before the landlord. The landlord does nothing in this process.

>inb4 they buy the house

This is an unnecessary step. Landlords are a redundancy and should be culled. They are an inefficiency. The government WILL own all the housing. You WILL pay $50k for an apartment or $150k for a house and you WILL be happy.

>>49938278
Don’t hate the player hate the game. As a landlord I only have invested in real estate to further my own wealth. Cope and seethe harder rent cucks.

>>49938278
Let's get right down to it and think about this in the abstract. Conceptually.

>I provide my labor to the free market, and earn capital.
>I could choose to spend the accrued capital on consumption or services, but I don't
>The accrued capital has the potential to be put to work to earn yet more capital
>Technological advancements make this process increasingly efficient
>rewards forward looking, patient people who can delay gratification. This behavior allows them to leave something for their children, a very important motivator
>the only problem yet to be solved is how to re-balance the capital once it accumulates in fewer and fewer hands
>legitimately tricky problem that has yet to have been addressed accurately, resolving throughout history as cycles of violet revolution
>no socialism/communism isn't the answer you mouth breathing retard
>Yet doing nothing about it isn't working either
>realization that the human psyche isn't perfectable
>OH WELL VIOLENCE IT IS THEN

Anyone know the answer? I sure don't :^)

>>49940673
The answer is Jews, get rid of Jews and the free market will work as intended

>>49940999
There is a little Jew inside of all of us Anon, don't be so naive. In their absence the vacuum of unadulterated greed will yet again manifest.

SOME men tame their darkness. The grand majority do not.

>>49938411
Nice bait.

>>49939357
>commie randomly starts seething about america

>>49939357
>so brainwashed by american propaganda that they think any anti-landlord sentiment is inherently communist
>>49940533
>The government WILL own all the housing

kek
least retarded bolshekike

holy fuck its the same commie who has been making the same whiny threads about housing and landlords. Fuck off faggot we dont want the gov to own housing. Owning land is a human right but modern landlords are a symptom of degenerate economics and leverage. Most of them dont even own the shit they rent out. But the gov owning food and shelter is a fucking nightmare. You think there wont be a catch? Yeah just give the gov supreme power real genius faggot. kys

>>49941127
>>49941185
Bro, why are you so obsessed with me, lmfao? Cringe af.

Communism is unironically preferable to this shit

>>49938278
You're right but we already tricked most of the middle class into homeownership. You can't just rug them now.

>>49939021
>>49941127
>>49941185
Why are you defending landlords you brainwashed mutts?

>>49941313
>I hate greedy capitalists! They ruin everything
>Let's let the government redistribute all the wealth since humans are so trustworthy and not greedy at all

don't be retarded anon

>>49941087
Jews are a race that works together as a people to parasite the world. Whites are creators that would work together in becoming the best they can possibly be. We are not the same and would never become like you evil foreskin eating kikes

>>49938355
no it doesn't, explain

>>49941087
This
Sometimes I'm glad that there are Jews because if we don't let them into our society at least for the most part all the Jew problems will be fixed
If the jews were gone some other ethnicity or religion might rediscover their strategy and it would take us another 1000 years to figure it out

>>49941367
Back when I rented I used to be grateful that the landlord let me rent his beautiful house. Now I'm grateful to the bank for lending me the money to have bought my own, beautiful house.
Commies only seethe and never get it, do they?

>>49941313
you have no idea how much worse it can get, and indeed has been. go look up the bolsheviks. if anything, the 1917 october revolution would be the US elite's wet dream.

>>49941393
I'm European as they come and hate greed as much as you do
I just have a very lucid understanding of the human condition
Jesus saves, unironically. WE FALTER AND STRAY FROM THE PATH OF LIGHT, EACH ANY EVERYONE OF US UNDESERVING OF REDEMPTION

>>49941367
>>49941384
>I hate greedy capitalists! The only other option is to give all our wealth and power up to the government!
You've psyopped yourself, my guy

>>49941367
>random spergouts about americans
>"just because i hate landlords i am not le commie"
>5 posts later: "i want an all-powerful state to fully control the housing market"

the best part is that not a single post you quoted defended landlords in any way whatsoever, though perhaps you lack the IQ to even grasp this

but whether i hate or not landlords is irrelevant compared to my hatred for bolshekike fucking roaches
cancer to every single piece of communist filth
https://www.youtube.com/watch?v=pvRWniTDxys

>>49941468
i have no idea what you're implying sir

>>49941431
>Now I'm grateful to the bank for giving me the money to rent out my own big beautiful house from the government
You don't have to defend your situation as if it's some part of your identity you know, anyone can be thankful for each day on God's miraculous creation without being a doormat you Stockholm syndrome dweeb

>>49941544
Checked. It's also possible to enjoy life without seething about anyone offering you a good deal, like some kind of moody chimp.

>>49941523
You're just being contrarian when the posts I quoted were replying to anti-landlord posts with a negative implication

I simply asked: why do you cucks need to defend landlords?

Even landlords themselves come up with every cope in the book to justify to themselves and their own conscience that they're not just a parasite
Fair enough if you just want to get rich at all costs, but it's cringe as hell to pretend to yourself that you're any better than a welfare leech

>>49941642
Can you afford to buy a house? If the answer is no, and you have enough brains to realize the answer would still be "no" if there were no landlords, then I have to ask - how would you avoid living on the street?

>>49941642
I defend property rights and the right to own your own home/farm/etc. I dont care about faggotd who flip houses or rent shit. But you commies shill for total government control so fuck off

>>49941560
Somehow people inflating housing prices by buying them as an investment vehicle to you is "a good deal"

>>49938278

>>49941642
And are there other categories of people who offer to rent stuff to you that you hate with such fervor? Back in the day when you could rent a VHS from Blockbuster, did you seethe all the way there and home about those bastard rent seekers who let you borrow their movies for a fee? Do you dream of a revolution where everyone will band with you to storm Hertz? Why does the concept of renting so fuck with your head?

>>49941677
Checked.
You don't think house prices might inflate even more if it was illegal to rent and everyone who wanted roof over their heads were forced to take a mortgage to buy their house?

>>49941669
Did people live in houses before landlords?

The irony is that before the manorialism you lived on land defended by someone and paid a price for that, as you would today if you joined some gated community in Brazil (soon to be America)

You already pay a portion of your "rent" to the govt in the form of property taxes, either through your landlord or directly in "owning" your home
The government already owns all the land

What you pseudo-libertarian fags don't realize is that there is nothing you can do to protect that land from being reparation'd to a half black girl in 100 years
Not unless you have your own government, run by your own people, separate from other governments and free from subversive influences like what happen through democracy

>>49940533
Liquidity. It's what makes houses grow out of the ground and the reason you can always redeem your investment in your property.
Landlords widen the market, they add money into it, the liquidity that makes stacy invest in granite countertops instead of letting the property deteriorate.
Who builds the houses in the commie system? Some committee or whatever assigns all resources so everything will inevitably be dominated by corruption.

>>49941719
I notice you would-be lolberts never assume people adapt to their situation
As if for thousands of years people weren't living on their own land in towns with communities and defense

And you act as if people not doing anything but forcing others to pay them for it doesn't have a similar inflationary effect on the economy?
I'd say the burden of proof is with you there mate

>>49938278
>care
modern landlords have to care and maintain their property. commies debunked again...

>>49941860
Because people would never improve their house if they just owned it, yeah
And rentals are always kept in top condition, sure

Then you're assuming the only other possible option is to go full commie

>>49941860
>muh Liquidity
landlords don't provide liquidity past their initial home purchase, then they just start using their existing property as collateral to get more loans (free liquidity) from banks to buy more houses and parasitically extracting rent from the actually-productive working class people leasing their properties

>>49941860
This is the most out of touch view I've ever read. Have you even seen the absolute pieces of shit that are available on the rental market? Horrid, disgusting stuff. It's the houses / buildings that no one wants to live in that are being used as purely capital extraction. You should see the lengths landlords go to NOT fix problems or do any maintenance. Only time they do is when a tenant moves out and then want to jack up the price for the next sucker.

>>49941781
>Did people live in houses before landlords?
No I imagine they lived in caves back then. Landlords have been around for a while.

>strange, aimless rant, sometimes seemingly defending landlordism and rent as universal, unavoidable facts of life, sometimes railing against life and its facts
I said that the presence of a landlord willing to rent you a house is beneficial to you if you are not able to buy a house. You go off on crazy tangents, my dude.

>>49941906
Do you think houses used to be free? I read one crazy commie who thought that towns used to just provide houses for the people in it, are you one of those lunatics?

>>49938411
Kek I’d love to see a landlord try and slip into a conversation between construction, farming and manufacturing workers. They would actually hang the leech while the normies on the right hand side would continue to do fuck all.

>>49942043
You don't understand. The arrangement is essentially that the money from the renter (the rent) goes to the bank to pay for the landlord's mortgage. This is the liquidity. The renter's rent money is liquidity going to the bank, that otherwise, without the landlord, wouldn't. "Why not?" I hear you ask, and you're already about to go on a rant about how it should be the renter owning the house as they are paying the mortgage. It's because the landlord assumes all the risk. The bank isn't willing to assume the risk of entering such an economic relationship with the renters and assuming all the risk, so without the landlord stepping in there would simply be no roof over the head of the renter (and no liquidity for the bank). So it's a win-win-win (assuming the landlord is able to find honest and honorable renters) where the landlord helps reduce the risk of the renters to a point where the bank is ready to finance a house that the renters can live in. The renters get a house to live in, the bank gets to make money on the liquidity, and the landlord gets a modest return for assuming the risk that makes the whole arrangement possible.

I can get $1000 monthly mortgage. Some guy has a slightly higher income so he can get. $1200 monthly mortgage. He outbids me on the house. Since I couldn't buy the house I now need to rent it for $1500/month.
This pos earns $300/month for outbidding me and adding no other value. And my finances are screwed over for a lot more than that.

>>49941683
kek

also ID check'd PUsY XX

>>49938278
>anti landlord threads fire up at the end of the month
Rents due commie. You signed the lease, you must pay. Otherwise buy your own house faggot

>>49942219
NO BRO LIKE DONT U GET IT??? HE TOOK SO MUCH RISK BEING ABLE TO PAY MORE THAN YOU AND LIKE HE HAS TO DO REPAIRS NOW AND SHIT

>>49942219
maybe stop living in a major city you clearly can't afford?

>>49942215
The bank isn't willing to buy all the houses because it would too obviously expose the parasitic nature of the landord-renter relationship and cause civil unrest. Letting a class of leeches share the benefit with the bank at the expense of renters divides the population against each other and prevents effective action against the parasites.

>>49942344
Checked.
> everybody is out to get me
Yeah yeah it's all a big conspiracy. At the end of the day, if you had the iq to understand math you could see and verify how things balance out, but since you can't, here's how to think about it for someone like you.
You have no idea, when it comes down to it, what a cucumber should cost. Not a clue. However, people in general, who are smarter than you, do. So if some grocer tries to charge 10x what a cucumber should cost, people who know better will avoid that grocer, maybe even protest or explain to him that he has to lower his prices to get any business, and so the price will generally end up about right. You piggyback on this every day, when you buy groceries.
In the same way, when it comes to big money, smarter people than you have been at it for a long time. They have figured out what is fair and what isn't, and every side has been represented by very smart people. Essentially the fundamentals have been negotiated and hammered out for thousands of years by people who have never been able to conspire the way you envision, but that have all been hashing out every argument in favor of every position forever.
When it comes to renting, people who are very smart indeed rent. People who are very smart indeed are landlords. And people who are very smart indeed run and work at banks. These people do not somehow conspire against you, and there's also no conspiracy between the banker and the landlord against the renter. These three smart interest groups continually reach mutually beneficial agreements, and like with the cucumbers you piggy back and end up with terms - either if you rent or if you buy - that are amazingly beneficial to you compared to if you tried to arrange them from scratch and couldn't piggyback on smarter people (just like you would be totally fleeced on cucumbers if you couldn't piggyback on smarter people there).
The world is way more beneficial to you than you think, thanks to smart people.

>>49938411
One of these things is not like the other

>>49941860
Landlords do not provide liquidity. They buy up supply and lobby for restrictions on further development so they can rent seek with impunity. They are the opposite of a liquidity provider. They're simply parasitic, and are a tremendous inefficiency of society.

>>49941683
i no listen to PUssYs

>>49942669
>These three smart interest groups continually reach mutually beneficial agreements
Just because a system hits the nash equilibrium doesn't mean it's an optimal system. Removing landlords doesn't make the system unstable. It will find a new equilibrium without them where the remaining two parties actually have a greater outcome.

>>49942219
Some guy is going to get a $1k monthly mortgage, to rent out the house for $1,200/month. But who suddenly shows up to the bidding process, but his prospective renter, driving the price up to a $1,200 mortgage, ending with the renter paying $1,500/month in rent instead, losing $300/month due to their own greed and stupidity, and their inability to accept their place in the world.

>>49943221
> It will find a new equilibrium without them where the remaining two parties actually have a greater outcome.
I doubt it, at least until smart contracts become a whole lot better.
The bank is already assuming all the risk it can muster. The lender doesn't magically overtake the landlords' purchasing power, so they bring nothing more to the table to reduce any risk. They would find a new equilibrium, but it would be around a dramatically reduced set of win-win opportunities where their incentives would sufficiently overlap. Business would still happen, but fewer people would live in good houses.

>>49943303
People who can't make rent have bad credit and should go to public housing, basically becoming wards of the state.
People who can make rent can buy a house. At least they could if a third of the supply wasn't locked up in rentals. This category carries minimal risk to lenders.

>>49943394
The world becomes so much easier to understand when you see it for what it is.
People who buy a house can buy a house. People who rent can rent. There is no "should" be able to buy a house, the market has figured this out and if you have to rent because you can't afford to buy, there is no version of the market with fewer economic services and products available to you in which you'd be better able to buy.

>>49938278
>revenue costs them neither labor nor care
So how do the clean bedsheets, the clean floor, the clean towels, the clean blankets etc appear in your apartment when you come?
Why are the homeless like this?