/vt/ - Virtual Youtubers

[Anonymous No.]

>Gura is going to buy a house
>During this housing market

Gura....

[Anonymous No.]

oh no it's not like she has trillions of holobux or anything

[Anonymous No.]

>>23144104
>he thinks the housing market will crash
cool dream bro

[Anonymous No.]

>>23144141
This is gura we're talking about, she's going to get ripped off

[Anonymous No.]

>>23144104
>this housing market
Things are only going to get worse.

[Anonymous No.]

>>23144104
The best time to buy one is before pandemic.
The second best time is now.

[Anonymous No.]

>Ame went away for a week
>HoloX debuts
>Gura goes away for a week
HomoEN soon

[Anonymous No.]

>>23144192
That's what they in 08.

[Anonymous No.]

>>23144104
Sure...

[Anonymous No.]

>>23144104
She said shes not buying, just renting

[Anonymous No.]

>>23144536
No kidding. It's pretty funny that people are still convinced that the world is going to end and are sitting on their hands about it.

[Anonymous No.]

>>23144192
Bare minimum it'll cool off when the fed hikes rates a couple more times.

[Anonymous No.]

>>23144602
>still renting with hololive's fuck-you money
gura you fucking zoomer....

[Anonymous No.]

>>23144104
as opose to what? wait for houses to be more expensive? why people assume shit will go down in price?

[Anonymous No.]

>>23144356
Best time was around 2011

[Anonymous No.]

>>23144104
the housing market isn't terrible everywhere.
some places are just getting fucked because of a bunch of commies flooding in from California.
Huston housing market is fucked right now but it isn't nation wife.

[Anonymous No.]

Is this /ggg/?

[Anonymous No.]

>>23144104
I'm in the process of buying one right now lel

[Anonymous No.]

>>23144965
This is more like an off-topic house market thread. Soon to be dox thread probably.

[Anonymous No.]

>>23145074
Senchou's big titties in an oversized hoodie with no pants on...

[Anonymous No.]

>>23144602
Yes, she is renting to poorfags. Buying new to accommodate even more rent-serfs.

[Anonymous No.]

>>23144857
They will drop in price just like 3090s

[Anonymous No.]

[Anonymous No.]

>>23145224

[Anonymous No.]

>>23144104
Wowie how fucking convenient. Right at the same time her "totally not girlfriend" NYANNERS is looking for a house. SHE'S looking for a house.
Yeah but your not fucking her now, aren't you Gura? Your not looking for a secret sex shack to have dripping 24/7 hardcore lesbo sex with the cat now, aren't you fucking Gura?
Nice oshi you have here chumcucks.

[Anonymous No.]

>>23144226
Easy come easy go. She's probably paying all cash or enough cash that any down turn won't really hurt her worst case. Not smart but not dumb. But yea market is absolutely trash for working class stiffs right now. Hope to decorate some lampposts with bankers soon.

[Anonymous No.]

>>23146155
Kek, fuck off Nyanderthal, Gura glares at Pink scat's existence

[Anonymous No.]

>>23144104
she is a literal millionaire, she'll be fine

[Anonymous No.]

>>23146155
Gura embraces her past, Nyanners is trying to run away from hers. They are not the same.

[Anonymous No.]

>>23144814
>buying when you're a real money millionaire
no one with real money buys a house for that sweet, sweet unmovable equity

[Anonymous No.]

>>23144602
You will not own anything.
You will be happy.

[Anonymous No.]

>>23147140
I will own everything and still be unhappy.

[Anonymous No.]

>>23147140
Enjoy your 10k roof repair bills, hoomer.

[Anonymous No.]

>>23146155
Weird ship, but still hot.

[Anonymous No.]

>>23146155
Take your meds

[Anonymous No.]

>>23147140
God bless the billionaires and the millions of retards who continue to let them pull this shit

[Anonymous No.]

>>23146917
Holy shit this.

[Anonymous No.]

>>23144104
If anyone can afford to pay 100k over asking in cash, it's probably Gura. I'm more worried about her waiving inspection rights and getting fucked over with a lemon.

[Anonymous No.]

>>23146556
Fuck you commie. There is nothing wrong with the market. Just go live somewhere cheaper, do home office.
> Hope to decorate some lampposts with bankers soon.
Communism and anarchism, don't work and will never work. You are the one who is going to end up in jail.

[Anonymous No.]

>>23144104
house = penis

[Anonymous No.]

>>23144104
>house hunting
so it's obvious she has a bf, right? No one single is buying a house.

[Anonymous No.]

>>23147140
>>23147352
What the hell is going on? Why are there so many commies on vt? are you chinese? It's called smart investing.

[Anonymous No.]

>>23146747
Anon, If you see HER Twitter, she used to fangirl over Nyanners

[Anonymous No.]

>>23147532
Anyone who has disposable income to buy things and hobbies that require physical assets is going to burn through the space in a one bedroom pretty fast, Anon. Maybe you should find a hobby that's not just baitposting on /vt/? You might find it rewarding.

[Anonymous No.]

>>23146747
>Pink scat
Ok you got me, good one anon.

[Anonymous No.]

>>23147631
>You are a communist if you want market competition instead of monopolistic practices
I swear to god conservatives have negative IQs

[Anonymous No.]

>>23147631
I'm just shitposting dumbass. I still want to own a house. I just don't have enough money.

[Anonymous No.]

>>23147452
I'm actually a Nazi lmao. Seethe more faggot.

[Anonymous No.]

>>23146917
Growing past your past is not the same as running from it. Nyanners has talked about her past on-stream, including the weirdos who posted her family's address and phone #. She's also gone back and watched/reviewed old content that she made almost a decade ago.

[Anonymous No.]

>>23147631
what do people even mean with "smart investments" and "working smart"

[Anonymous No.]

>>23144104
Gura is a very literal millionaire and [state redacted] housing market isn't nearly as bad as other parts of the country anyway.

[Anonymous No.]

Well if it means actual 3d Gura then I am fine with waiting if she is renting or buying a bigger place.

[Anonymous No.]

>Gura buys 40 acres and a farm house her entire family can live in

YEE HAWWWWWWWWW

[Anonymous No.]

>>23144104
>one week without Gura
the lovebomb is going to be insane

[Anonymous No.]

>>23148088
Buying a house is a smart investment because houses appreciate in value.

[Anonymous No.]

>>23147975
>le jewish cabal
Grow up, Jews don't rule the world, and they are not at fault for your own laziness, stupidity and indolence.
Stop posting racist shit on imageboards and get a job, maybe then you could buy a house.

[Anonymous No.]

>renting
Are chuubas dumb? Why do they pay some stranger's mortgage?

[Anonymous No.]

>>23144602
>tfw blackrock cucks you're oshi
chumsisters, not like this...

[Anonymous No.]

>>23144602
Good, you shouldn't be buying any property you're planning to live in. Buying real estate should only be something you do to either generate income or as an investment otherwise just dump your equity in high yield blue caps and enjoy the passive income.
The whole American dream of owning a house is a fucking scam.

[Anonymous No.]

>>23147766
>I want a house , but I don't want to work for it. Please daddy gonverment, take the houses away from the hardworking people and give it to me

[Anonymous No.]

>>23146155
Yes except Gura is my wife

[Anonymous No.]

>>23148604
Unless you are good and knowledgable, houses are usually more profitable than the stock market.

[Anonymous No.]

She'd be smart to do so. It's only going to get worse. They've already normalized exorbitant rent fees to live in a fucking box.

[Anonymous No.]

>>23148528
I get it. You know everything about me who I am what I do and what I believe my internet stranger. Now are you done seething or do you have anything more to add?

[Anonymous No.]

>>23148604
>The whole American dream of owning a house is a fucking scam.
It has been a scam post 1950s. Most smart people already knew this.

[Anonymous No.]

>>23146556
>Viva le revolution!!!!
>Eat the rich!!!!
You will die waiting for your revolution, buddy.

[Anonymous No.]

she's going to transform the building in a dark void of moss and empty bottles. If she buys, the value of the house will be 10 bucks by 2023

[Anonymous No.]

>>23148897
Who are you even quoting?

[Anonymous No.]

>>23144602
Owning a home means more upkeep, handling a mortgage, different taxes etc and numbers scare the fucking shit out of Gura.. so she'd rather not worry about that.

Also renting makes sense so that she can just get up and leave if she needs to (stalkers, doxfags blackmailing etc) whereas with a house it'll be tied to her and she'd just have to rent it out or abandon it or something, or go through the hassle of selling it etc.

[Anonymous No.]

>>23148933
Keyboard revolutionaries like the anon I answered to.

[Anonymous No.]

>>23148996
Maybe stop taking their bait. It's obviously a troll.

[Anonymous No.]

>>23148842
I know what I need to know about your ilk.

[Anonymous No.]

>>23148953
>Also renting makes sense so that she can just get up and leave if she needs to (stalkers, doxfags blackmailing etc) whereas with a house it'll be tied to her and she'd just have to rent it out or abandon it or something, or go through the hassle of selling it etc.
many such cases.

[Anonymous No.]

Reminder that vtubers would not be a thing without capitalism

[Anonymous No.]

>>23149081
Lmao okay soothsayer

[Anonymous No.]

How many Holos live with their parents? Probably the best option if they're still in their twenties.

[Anonymous No.]

>>23149146
How would explain Vox and him appealing to fujo communists?

[Anonymous No.]

>>23148528
I wish I were this dumb.

[Anonymous No.]

>>23149213
Japan is still in a rather shitty economy right now. I can only imagine outside of a few exceptions that the housing market must be terrible now.

[Anonymous No.]

>>23148860
Soon the ONLY thing that will matter in america is land.
Chinks started buying in the early 00s
And now bill gates is the biggest land owner in the country
You WILL eat the bugs

[Anonymous No.]

>>23146155
Gura accusing pink cat of being a lolicon while they have sex...

[Anonymous No.]

>>23149307
>still

Anon, its merely been crab bleeding for a little while, now the yen is falling straight off a cliff, it's totally fucked and the bank of Japan owns 70% of their stock market and a fuckload of US treasury bonds. Watch Japan because that's going to be the future of the USD, except the USD collapse will be much, much worse.

[Anonymous No.]

>>23149266
It's true, Jews have been unjustly persecuted. They are peace loving people, who have given many scientists, artists and philosophers to the world.

[Anonymous No.]

>>23149609
They also fart rainbows with glitter that smells like strawberry and guras feet. God bless his Chosen for they shall inherit dank hoodies.

[Anonymous No.]

>>23149743
You write like a sexual degenerate.

[Anonymous No.]

>>23149888
Being Jewish has it's perks

[Anonymous No.]

>>23149980
A self hating Jew? How sad.

[Anonymous No.]

>>23150027
Who said I hate myself. I'm just honest.

[Anonymous No.]

>>23144226
Yeah, by me

[Anonymous No.]

>>23149409
>>23149592
Are you two bugmen by any chance? or from South East Asia?

[Anonymous No.]

>>23150220
Why are you projecting onto me bro

[Anonymous No.]

>>23148860
Ok vatniik.

[Anonymous No.]

>>23144104
>Just wait bro
Enjoy paying 1 mil for a shack in the ghetto

[Anonymous No.]

>>23146155
"Gura and Nyanners are fucking" is my favorite Catalog anon. Makes me laugh every time.

[Anonymous No.]

the proper term is cataolgnigger not catalog anon

[Anonymous No.]

yeah but I make an exception for him because he's funny.

[Anonymous No.]

>>23144192
God I wish it would crash.

[Anonymous No.]

>>23151210
fair enough

[Anonymous No.]

>>23144104
I thought housing price is dropping during covid? Or its on the raise again after covid calmed down?

[Anonymous No.]

>>23147631
>you either have to pay off a mortgage to Mr. Bankerberg or pay rent to Mr. Landlordstein
get me off this rock...

[Anonymous No.]

>>23148528
you lolbergs have lost the plot ages ago while practically all millennials are priced out of any decent housing anywhere and will probably never own their own home.
by the way, simply "getting a job" isn't enough to pay off a six figure down payment that's getting larger and larger year by year.

[Anonymous No.]

>>23151462
It's called the financial system and its the reason America is the most prosperous country in the world.

[Anonymous No.]

>>23144104
Well i mean she must have the funds she cant be that dumb right.

[Anonymous No.]

If I were them, I'd just move to Mexico.
You can build yourself a fucking mansion with 200,000 USD, you don't pay mortgage or property taxes, you pay a "pedrial" which in Burgerbucks comes out to like 42 USD annually. Water is dirty fucking cheap a month, maybe 15 bucks at most. Grocery is cheap and you still have good shit like Costco. You can flash fuck you money in big cities like CDMX, Monterrey, Guadalajar, Cancun, Acapulco, Queretaro, etc without fearing muh cartels.
Really the only downside would be getting better internet than most of the country.
But that's the dream. Living in Mexico while earning USD.

[Anonymous No.]

>>23148446
Correction,
it's not so much the house itself that appreciates in value (it will actually depreciate without proper and continuous further upkeep investments).
It's mostly the underlying land that appreciates in value, by virtue of being scarce and limited quantity, and even that is not a simple guarantee, as it depends on the further social desirability of that place to live (i.e. do more people want to move there? If not, and it's a shithole that's losing people, even the land value can depreciate).
And in attractive places, most of that is already "priced in" to the market, with valuations so high that further appreciation can only be marginal

[Anonymous No.]

>>23151454
Housing prices skyrocketed during covid as people had to work from home and be home 24/7 during lockdown.

[Anonymous No.]

>>23151886
But the upkeep is mostly tedious and time consuming rather than a big expense. Some friends of mine (a couple) are thinking of moving out, living in a town house, improving the house they have, and then selling it.
Hell, if they were to say fuck it and sell now, they'd make 70k+ profit on that house.

[Anonymous No.]

>>23148673
Unless you're flipping houses, house ownership is far less fungible than stock ownership though. The closest you get is to leverage home equity for loans and stuff.

>>23148860
Technically speaking, home ownership is still affordable as long as you don't live in a metropolitan area.

[Anonymous No.]

>>23144226
that's why her boyfriend is going with her

[Anonymous No.]

>>23151819
It may make sense at the moment, the cost of living is certainly lower this side of the border.
But the narco situation is getting worse and worse, places previously thought to be safe are seeing increasing violence. The extra security she will need to hire compensate the low living expenses (though it would also protect her from creeps).
Also, Gura doesn't speak Spanish. That means she has to live in an expensive gated community where there are English speaking staff and people.

[Anonymous No.]

>>23151999
How?
People already needed homes (houses and apartments) before Covid and work-from-home, it's not like before Covid they all lived 24/7 in their offices/factories and never had a place to go home to anyway.

Also Covid accelerated some other trends in the real estate market. While people always need some form of residential, the commercial sector (office and shopping) got fucked and will continue to decline, the former because work-from-home is not going away back to pre-pandemic levels now that employees and employers have seen that it's possible and have the technical means to do so, and the latter because online-shopping continues to take an ever increasing share of the pie

[Anonymous No.]

>>23152303
I mean, it depends on where you live. Gura could live in the capital, fend for herself with her meager Spanish and English, and live well, without fear of danger.

[Anonymous No.]

>>23151819
Housing prices in the Midwest metros aren't too awful, $350k gets you like 2800 sqft here. Gura might have to learn to drive, though.

[Anonymous No.]

>>23152469
People who lived in small apartments and were just using it to sleep had to stare at each other’s face 24/7 including kids during lockdown cause they couldn’t go anywhere anymore. So they were desperate for a bigger place with a yard and a separate home office room.

[Anonymous No.]

>>23144104
Gura literally sang us her message before this.

https://files.catbox.moe/j7r80e.mp4

[Anonymous No.]

>>23144536
this time the plan is to correct the housing market by devaluing the USD by printing infinite money, thus lowering the actual value of houses without allowing boomers with outstanding mortgages to go bankrupt.

[Anonymous No.]

>>23153953
Anon, they are now raising rates to (try to lmao) counter the catastrophic inflation. Anyone not on fixed rate is fucked and no one will be taking out a new mortgage at 10%+.

[Anonymous No.]

>>23153953
>devaluing USD by printing infinite money
Have you seen the USD recently? It's inclining hard

[Anonymous No.]

>>23144602
Yeah, the only property Gura really wants is a big farm

[Anonymous No.]

Based fish putting herself at a financial disadvantage just to take some money away from a landlord.

[Anonymous No.]

>>23154121
Only because the rest of the world is even shittier.

[Anonymous No.]

>>23153953
Doesn’t printing money raise the value of houses? Because cash on savings accounts would evaporate, while gold, houses, etc are safer places to store your money.

[Anonymous No.]

>>23147140
You don't own anything anyway.
Everything you *own* can be seized and taken away by government or law enforcement should they choose to take it
You don't even own you own life because any random person can kill you

[Anonymous No.]

>>23146556
your grandfather had the chance, but they fucked it up

[Anonymous No.]

>>23144602

[Anonymous No.]

>>23144104
Buying cash interest rates don't matter. If you buy a good house they almost always hold their value given enough time.

[Anonymous No.]

>>23154426
Big farm is nice but she still needs fast internet for streaming.

[Anonymous No.]

>>23148860
Australia and Canada's housing market is more fucked than the US right now

[Anonymous No.]

>>23144104
She's buying a house with a pool, isn't she?

[Anonymous No.]

>>23148604
I'm not paying some hooknose $1k a month in perpetuity to live in a room that I don't even own

[Anonymous No.]

>>23158189
New Zealand's is insanely bad right now because we're doing nothing to stop overseas buyers. I live in a neighborhood so new the post office only 'just' recognized it as a legitimate location and half the houses here are already owned by Indians who don't even live in NZ. House a few streets down from me; 4 rooms so small you could fit a bed and that's it, a kitchen dining lounge room all mixed in one and zero patio is being listed for $650 a week rent. It's nuts, the government seriously needs to either cap profits or employ Japanese tactics of depreciating value.

[Anonymous No.]

>>23144536
>>23144715
>>23153953
Except what's happening now is nothing like what's happening in 08.
People are actually living in all the houses that are being sold.
The reason of the last crash was because houses were literally being built and "sold" to investors purely on speculative investments. The prices of houses weren't increasing because of competition between buyers, it was going up because there was an artificial increase in value because investors kept building and buying houses no one wanted or could afford to live in.

The "worst" that can happen to the housing market is house supply finally meeting demand, and investors can't use scarcity to hike up prices.

[Anonymous No.]

>>23159541
>>23158494
>>23158923
>>23158189
look at my post. my post belongs on /vt/

[Anonymous No.]

>>23144761
Shit isn't going to happen until housing supply meets demand.
We're in a severe housing shortage, and as long as there's a shortage, people are going to pay top dollar for houses.
Getting rid of investors isn't going to do shit, because there will always be someone with deeper pockets who unironically wants to buy a house, that's going to get it before you.

[Anonymous No.]

>>23158923
Why suddenly oversea people want to buy housing in NZ? Escaping the WW3?

[Anonymous No.]

>>23159668
>>23159733

[Anonymous No.]

>>23159733
Escape from WW3, climate refugees, away from Europe and America, tax haven and instant visas for rich people. Other than that, I have no idea.

[Anonymous No.]

>>23159870

[Anonymous No.]

>>23159870
Hmmm, you actually make me want to buy an apartment in NZ as well. I mean I'm an Indonesian, we have better rep as neighbour compared to Indians right?

[Anonymous No.]

>>23159953
>No webcam
>No carpeted floor
>One speaker?
>Two streamdecks
>Okayuu plushie doesn't have a fleshlight duct taped to it
>Plant pot right where your chair can smash it
Not based, not based at all

[Anonymous No.]

>>23144104
I'm gonna haunt Gura's house

[Anonymous No.]

>>23144104
>not homesteading before its too late
Location is everything before the collapse. Gura's making the holobunker

[Anonymous No.]

>>23160100
Sure if you got $750,000 for an average, secondhand, built in the 1950's, house. I did a conversion for you to indonesian rupiah: 7169316782.25

[Anonymous No.]

>>23144602
>renting
Wow so you get all the insane cost of a house, but get none of the permanence!

[Anonymous No.]

>>23160212
The last time I remember Korone describing her setup, she had a literal couch jammed against a corner desk.

[Anonymous No.]

>>23160319
>>23160344

[Anonymous No.]

>>23160319
Eh, if I sold all my properties and business I can have enough and little more for starting a business there. What do you think about spicy fried chicken fast food restaurant?

[Anonymous No.]

>>23158923
selling land to foreigners should be illegal and is illegal in serious countries

[Anonymous No.]

>>23146155
isnt a totally-not-true-trust-me theory that gura is nyannas

[Anonymous No.]

>>23161371
or is it that gura is fucking kokorone?

[Anonymous No.]

>>23144104
>don't buy a new GPU they are going to come out with a new model soon housing edition
Posted from my GeForce 256.

[Anonymous No.]

>>23144104
If you haven't noticed the housing market is never going down in the forseeable future. This isn't an American thing either, it's exactly the same here in Europe and specifically Croatia in my case. The number of new houses and apartments is skyrocketing, but the prices keep going up. I am one of the very few people who own their own place with no debt or credit.

You either buy now or forever join the underclass and rent your life away. I was a renter for most of my life, and that will forever keep you in poverty. There were times I was literally starving. In any case I truly hope Gura is buying, because it will get even worse soon. Croatia is Croatia, and the gov is low key signalling a 20% fall in living standards starting next year, but we're all fucked. The world economy died in 2008 and it was artificially propped up. It's my gen and you zoomers who will take it in the ass. Do what you must to claw your way upward. No sin is greater than poverty.

[Anonymous No.]

/vt/: Finance and real estate.

[Anonymous No.]

>>23161669
>Unironically thinking its more logical to rent from a property you don't own for more than 1 year

[Anonymous No.]

>>23161767
It's logical to not post off topic, faggot.

[Anonymous No.]

landlord leeches seething itt

[Anonymous No.]

>>23161236
Could work. Restaurants are extremely hard to make work here though. I know because I worked in one last year. You have to do some serious location scouting to make it happen and price analysis.
>>23161367
The government were supposed to outlaw it but once Jacinda (the newish prime minister) came into office, all of those talks vanished out of public eye. My conspiracy is that the parliament members themselves individually own properties and if they outlaw these unethical practices, they'll be gutting their own profits. Do a little bit of digging and even Jacinda has multiple properties in Auckland. Bit sus if you ask me.

[Anonymous No.]

>>23148605
this but unironically
also, trump lost faggot lmao

[Anonymous No.]

>>23162056
>>23162142

[Anonymous No.]

>>23162188

[Anonymous No.]

>>23161669
/vt/: LARPing to know anything about finance and real estate while living off their parents.

[Anonymous No.]

"House huntin'" is her term for finding a nigger with massive cock and getting impregnated.

[Anonymous No.]

>>23162696

[Anonymous No.]

>>23162752

[Anonymous No.]

>>23162142
I mean people love KFC and its variant. And fast food is profitable especially if I open in places close to school or a mall where kids are plenty with pocket full of their parent's money.

[Anonymous No.]

>>23151603
>its the reason America is the most prosperous country in the world.
Pretty sure that's Lend-Lease

[Anonymous No.]

>>23162991
>>23163096

[Anonymous No.]

>>23159541
You know nothing about the supreme mortgage crisis the issue wasn't speculative buying it was the lending standards being lowered to the point you could buy a house with a Twinkie and a signed letter form your mom saying he a good boy so predictively there was a lot of repossessions when people were defaulting after 2 months which caused a glut of houses owned directly by banks who then inflated the price trying to lose the now expensive asset before it cost them a fortune in back taxes
What you have described is more akin to the housing market in China where entire cities are built on speculative future growth for the sole reason to keep people working at all times and inflate thier GDP enough that thier banks will continue to have preferred lender statis jw88s

[Anonymous No.]

>>23163186

[Anonymous No.]

>>23144536
Yeah, she could get maybe 20% off if she waits for the economy to crash.

[Anonymous No.]

>>23163324

[Anonymous No.]

>>23144602
lmao

[Anonymous No.]

>>23163478

[Anonymous No.]

>>23163324
She's renting, but with oil crash coming closer it may become 2008 again.
Good thing is, in my country, we're actually thriving from USDollar suffering. Our exchange rate is getting better and better.

[Anonymous No.]

I WANT TO GO FISHING ON A LAKE WITH GURA AND CATCH TROUT THEN COOK IT TOGETHER THEN FUCK IN THE TENT AFTER THE SUN GOES DOWN FUCK AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA

[Anonymous No.]

>>23146155
Heh.. the truth is out..

[Anonymous No.]

>not getting government housing for peanuts despite being top 10% earners
ngmi

[Anonymous No.]

It is a terrible time to try and buy a house but Gura could probably buy a mansion and not blink.

[Anonymous No.]

>>23144104
>>During this housing market
Right now is the best time to buy a house. Prices are only going to get higher. If you think you can wait for housing prices to go down, boy you're wrong.

[Anonymous No.]

Renting would actually be the better play here for someone as paranoid as Gura is. A house is more permanent and if that were to ever get found, then it'd be tougher to pick up and go then say renting an apartment.

[Anonymous No.]

>>23166452
She's not that liquid, the holos are rich but they aren't "drop 300 grand without noticing" rich

[Anonymous No.]

>>23160344
What insane costs? You pay rent, maybe utilities, and if anything happens to the house the landlord is legally obligated to pay for it and fix it.

[Anonymous No.]

>>23166452
But financial stability is still important. Renting is fine as long Gura can wait until the economy went to shit again thanks to cyclical nature of US housing crisis.

OR

Move to Japan, buy a house and live comfortably as expat there while collabing with JP girls.

[Anonymous No.]

I will become Gura's landlord.

[Anonymous No.]

>>23168089
Isn't the yen tanking?

[Anonymous No.]

>>23168538
So? it's cheaper to get yen then.

[Anonymous No.]

>>23168538
Part of the reason the Yen is tanking is because they spent the better part of 2 years banning Gajin from tourism because of the coof. Opening the doors up would actually help right now.

[Anonymous No.]

>>23168538
Which makes it easier to live comfortably in Japan if your money is in USD.

[Anonymous No.]

>>23146917
>Reflect is about literally the opposite of this

[Anonymous No.]

>>23169155
Anon? Did you read the lyrics?

[Anonymous No.]

>>23148605
Housing prices would be solved if local governments wouldn't do all they could to prevent new builds that would provide more supply to the market.
High house prices are 100% caused by government preventing the free market from equalizing the supply while demand only increases.

[Anonymous No.]

>>23168752
>sell out to tourists
unironically I hope they don't

[Anonymous No.]

>>23169970
It's not about govt limiting permit. Real estate made more house every year but they built shitty McMansion expecting morons to buy them for premium price.

[Anonymous No.]

>>23169970
>muh free markets
Housing prices are high because of house flipping putting interest on top of interest every new mortgage until the market can't take it anymore and it causes a housing crash. Homes were never meant to be a commodity, they were supposed to be homes you add/build on and pass down to your genetic legacy.

[Anonymous No.]

>>23169970
>Remove all regulations so the free market can magic a fix for the problem
>All the housing gets bought by investors looking to jack up rent prices
>Most of said investors are foreign (chinks)
T-thanks...

[Anonymous No.]

>>23151819
Yes but then you have to live in Mexico

[Anonymous No.]

>>23161767
In Goora’s case it maybe is. I can see her getting fleeced all sorts of ways, there’s a lot of scams in real estate and contract work. I had an HVAC guy do such shoddy work that I had to pay someone to fix his work.

Also, who knows how long Goora will have a steady income. Imagine explaining to your banker at Bank of America or Chase or even on the Rocket Mortgages app that you’re a YouTuber, virtual or otherwise.

[Anonymous No.]

>>23172399
as long as she don't go blowing the money she will be fine and if you watch her streams she has told people that she does not spend that much money so she is not out blowing it so it does build up over time, plus everyone knows it is cheaper to buy a house and pay it off because if you stuck paying $1,000 a month or more on rent then if you don't have income you are without a place to live 30 days after that why also looking for a job but if you own your home then you will have a roof over your head why you look for more work or open another youtube channel.

[Anonymous No.]

>>23144104
If she is smart and doesn't move to the city, she'll be perfectly fine.
Only retards want to live on a big city.

[Anonymous No.]

Gura said she isn't buying, greynigs.
you can in fact rent houses you know?
And regardless of the economy, if you want the ability to easily move in a year or two you should probably be renting. What is the most paranoid holoEN going to want to do if her address is leaked and she starts getting swatted?

[Anonymous No.]

What's wrong with the current market?

[Anonymous No.]

>>23174586
investors are snapping up everything they can sight-unseen for ludicrous pricing and using automation to handle renting it out. When a prop enters the market, you need to commit your bid on the same day or you will lose. In 10 years time individual ownership will be a thing of the past and we will all be corporate serfs.

[Anonymous No.]

>>23170879
Even if you don't agree free market can fix the problem you can agree state shouldn't keep people from building more houses.

[Anonymous No.]

>>23174586
kikes are buying up old houses that should be torn down and instead doing minimal renovations with questionable materials and labor.
Then they sell the houses for 3x its value with a nice coat of paint that cracks in 6 months when the foundation starts failing again.

[Anonymous No.]

do not apply your poorfag mindset to gura's situation

[Anonymous No.]

>>23144192
It needs to crash so that blackrock can scoop up them cheapies.

[Anonymous No.]

>>23144226
She has parents like most people. Hopefully they're not dummies like her.

[Anonymous No.]

>>23168752
Japan isn't SEA; it doesn't need foreign tourism to survive when local tourism more than makes up for it, but when everyone is too scared to leave their homes that makes an impact.

[Anonymous No.]

>>23174834
They are dumb enough to let their daughter become a meme lord vtuber for a career

[Anonymous No.]

>>23174829
i hate this

[Anonymous No.]

>>23175133
it worked though

[Anonymous No.]

>>23175133
Iirc gura casually mentioned the advert to her mother who responded that it's not like Gura had anything to lose by applying and escaping her wage slavery / NEET life.

[Anonymous No.]

Inflation is the highest it's been since 1981, so it's actually a great time to buy a house. All that money that Gura has on her bank account is just seeping away. You let it just sit there? Congrats, you just became 8 percent poorer.

[Anonymous No.]

>>23144814
>Hololive's fuck-you money
Kiara said just few months ago that none of them (HoloEN) was millionaire yet. If your house is cheaper than ~600-700k (depends on where you are, of course), you might as well rent it and save up for a better house since it likely won't be anything amazing.

[Anonymous No.]

>>23148604
fuck that, I bought my house, I'm happy.

[Anonymous No.]

>>23175410
dyrbi?

[Anonymous No.]

>>23174586
The FED had interest rates at like zero percent, meaning a loan is super cheap. Even with normal inflation (1-2%) if your mortgage rate is 3.5%, you’re only actually paying 1.5-2.5%, while getting an asset that generally appreciates in value. This drives up the cost of housing alone.
Add into that we’ve got a lot of people in the US, technically it’s 330 million, but there’s probably around 50 million illegal immigrants and people from really dangerous ghettos that just aren’t in the system. Also 2008 crashed the lumber market with no survivors, so lumber prices went crazy as with everything else, including labor, and so the cost to build a new house is skyrocketing. I live in a poor as fuck rural area in Georgia and they’re building houses in the 300k range for an area with a median income of 25k. Add to that cities being dangerous(black people will literally just push you in front of a train because they can) and you have city-flight, plus boomers leaving.

[Anonymous No.]

>>23169155
Dude it begins with Gura rejecting her past self but end with her accepting her and saying that they'll move foward togheter

[Anonymous No.]

>>23154060
Rates were 18% in the 80s. People will buy even in retarded conditions.

[Anonymous No.]

>>23175495
hololive cut + youtube cut + tax + bad spending habits

[Anonymous No.]

>>23175537
>Burgers still building houses out of wood
Why the fuck don't you do brick and cement.

[Anonymous No.]

>>23175925
I’m pretty sure YT and Holo eat up around 50%. Taxes are gonna vary by state, but some of them are paying a boatload in taxes just for state. Gura is probably in a pretty high bracket too. I only make like 90k and I pay 22k in federal taxes. Kiara is Austrian, so her taxes are probably even higher, and same Ina.

[Anonymous No.]

>>23175410
Just because Kiara spends all her money on her songs doesn't mean the others aren't millionaires.
If you seriously believe Ina isn't at least, then I don't know how to fix your brain damage.

[Anonymous No.]

>>23176174
Most youtubers know that everything is a tax wright off, you buy a new house or new pc part and so on need a new trash can its a tax wright off so long as you used it one time why streaming so that can really cut tax's down for them so long as they know what they are doing.

[Anonymous No.]

>>23176027
Because this country exists to extract as much wealth from people with the lowest cost/effort. We do have some brick houses. I legit think they scam people by having the front-facing part of the house as brick and the rest as wood + vinyl. Also we have a LOT of trees here.

[Anonymous No.]

>>23175133
smartest thing they've done, if I could quit my job and clear 30k+ a month acting like a 12 year old on the internet for a flew years I'd do it in a heartbeat

[Anonymous No.]

>>23159733
Dunno about NZ but chinks buy up land here in aus to shift their money out of china and into something the CCP can't seize on a whim

[Anonymous No.]

>>23144104
>housing agent actually having a hard time selling something
>her parent lives in one of the most valuable areas
>it means she and her parents are not that real estate stupid
>actual disposable income

I love my wife, she is smart

[Anonymous No.]

>>23174586
It's impossible to buy a house unless you are a real estate consortium
in 50 years it will be literally impossible (and probably illegal) for private individuals to own land, everyone will be forced to rent from corpos for 70% of their weekly income

[Anonymous No.]

>>23152116
>Technically speaking, home ownership is still affordable as long as you don't live in a metropolitan area.

Shh, NEETs are bitching about something they will only own because their parents left it for them in the will.

[Anonymous No.]

>>23177191
>Also we have a LOT of trees here.
Don't you also have a LOT of tornadoes?

[Anonymous No.]

>>23147975
must be huffing the nakirium

[Anonymous No.]

>>23178389
What the fuck are you high on
in 50 years the world's gonna be over we won't have to worry about rent or whatever

[Anonymous No.]

>>23178928
that is what everyone was told 50 years ago and then they were told 50 years before that so ya not going to happen so go back under your rock

[Anonymous No.]

>>23178928
world will be over for you maybe anon

[Anonymous No.]

>>23176883
Mainly in the lower Midwest. I’ve legit never seen one outside of TV. We’ve had drills and actual watches a few times, but that’s it.

[Anonymous No.]

>>23179004
I wonder if anything in the world has changed in the last 50 years

[Anonymous No.]

I want people to just stop having kids at all for the next decade or so just to fuck with corporations and the government. Especially in Latin America and Africa. Can’t sell something to someone if there’s no demand for that object.
But that’s probably wishful thinking on my part, plus it wouldn’t be realistic at all and corporations would probably force people to have children. Anyways that was my dumbass rant, feel free to call me a faggot.

[Anonymous No.]

>>23180097
Faggot.

[Anonymous No.]

>>23144104
She should go live with Ame

[Anonymous No.]

>mfw will never own a house
I love it

[Anonymous No.]

>>23163186
>brainlet uses the "it's the common people's fault this happened"
You ate the propaganda

[Anonymous No.]

>>23180097
>Especially in Latin America and Africa
Third world countries CAN'T have bad demographics, unless we are talking famine or wars. Actually a famine in Africa doesn't seem too crazy.
>corporations would probably force people to have children
kek

[Anonymous No.]

>>23175133
>A meme lord vtuber for a career
A successful career that is, that filled her pocket with hundred and thousands of dollars in merchandise money (akasupa is good but merchandise profit is way bigger earner)

[Anonymous No.]

>>23184718
superchat income has always been irrelevant

[Anonymous No.]

>>23175925
The money is from merchandising. Akasupa don't give them too much money. She starred in some big advertising projects and I guess she earned a lot from that.

[Anonymous No.]

>>23178389
You're talking about communist China. They only allowed to "rent" for 75 years before returning the land and house to the state.

[Anonymous No.]

>>23144104
If Pat could manage to afford one back in the day on a non-streamer income split 3-4 ways then no shit Gura can too.

[Anonymous No.]

She said she wasn't buying.

[Anonymous No.]

>>23175410
You don't actually believe that, right? That's fucking retarded

[Anonymous No.]

>>23144104
Bro... she has fuck-you money, she doesn't have to be smart, she literally won at life by being cute.

[Anonymous No.]

This is Millie Parfait.
Millie has a CCV average of about 1000

She leaked her youtube dashboard, which revealed that she makes about $120k a year. That already deducts Youtube's cut. Theorizing that Nijisanji takes 30% of it, that leaves her with $84,000 a year, the average salary of Canada, where she lives. Someone with a CCV of 1000 is making that much. Imagine what someone with a CCV of 10,000 is making.

Reminder that several hololive talents have said that superchats are less than 10% of their income. Vod views, memberships, and especially merchandise deals completely dwarf superchats, and make them an insignificant amount of their total income. For example, Gura gets
-- $600k a year in superchats.
-- With 30,000 members, she makes nearly $2 million a year off memberships.
-- With 300k views per day, her vod views bring in $400,000 a year.
-- A sponsored stream can bring in $100k an hour, and she's had several.
And merchandise completely dwarfs all of these other income sources combined. Although we can't know how much she makes on that, because it depends on the contract.

But Gura certainly makes over a million dollars a year. Probably as much as $10 million all things considered.

[Anonymous No.]

>>23185862
I love seeing these whores win in life. Except for Mori

[Anonymous No.]

>>23185862
B-but the housing market! She will only be able to afford a mansion with 4 bathrooms instead of 5!

[Anonymous No.]

>>23186466
After having your own personal bathroom/toilet, you will never want to go back to having shared bathroom/toilet

[Anonymous No.]

>>23144602

[Anonymous No.]

>>23163519
ぺろぺろしたい

[Anonymous No.]

>>23185862
internet created a global service economy for entertainment where people in rich countries and average middle class pay for it.
the wage is tooooooooo gooooood for most people in the world and you also have the benefit of lots of freedom to work in this environment and low cost of almost any production.
this is going to break the economy of lots of countries that dont deregulate markets and lower taxes (and dont stop inflating the economy giving banks money) since manufacturing and base industries cant compete with this kind of market on local levels.
retarded governments will try to tax digital services and it wont work to stop economic default.
it will be nice to see the bloodbath.

[Anonymous No.]

>>23185862
This is Delutaya she had 1 stream as a member of hololive if we were to make the lowest estimate she earns around 4k USD per month higher estimates set her at 10+k USD per month from fanbox donations. And she purposely nerfs her money making ability.

[Anonymous No.]

Chumbuds will bail her out when the market crashes

[Anonymous No.]

>>23188411
>this is going to break the economy of lots of countries that dont deregulate markets and lower taxes
Sri Lanka went bankrupt because they lowered their taxes you moron

[Anonymous No.]

>>23168056
>What insane costs?
The ones you listed. Why would you waste money on rent when mortgages are free money?

[Anonymous No.]

>>23185439
imagine holding papermoney, invest it into land before inflation hits.

[Anonymous No.]

>>23177614
And being paid to sing, dance, play video games, etc? That's a deal.

However, most people do not have the talent for that shit, so they all have to do something else.

[Anonymous No.]

>>23197284
Asian detected

[Anonymous No.]

>>23197392
I mean Holostars are there to play games, I don't know how well they sing but everyone still thirsty for Roberu.
Also Vox, he's just there for the fujo.
Or DSP, proof that an utter moron can still getting money by being a moron

[Anonymous No.]

>>23197609
>Holostars
The title of homobeggar exists for a reason. They hardly make shit.

[Anonymous No.]

>>23177191
all of south america has a shit ton of wood, they all build it with bricks and concrete
same thing in almost every other continent

[Anonymous No.]

[Anonymous No.]

>>23176027
>implying mutts use real wood
Mutts make their houses out of chipboard.
There's nothing wrong with actual wood. Especially mass timber, which pound-for-pound, is stronger than steel. Unlike the smooth sand required for making concrete, trees are abundant and they grow back in a couple decades.

[Anonymous No.]

>>23175046
Actually parts of Japan DOES need foreign tourism to survive.

[Anonymous No.]

>>23198623
I must correct myself. smooth sand is the abundant sand found in deserts. Concrete requires course sand, typically found on beaches and along rivers. This coarseness makes it bind with the cement more effectively. The world is running out of coarse sand because of how much shit is made out of concrete.

[Anonymous No.]

>>23149530
YYEEEEESSSSS

[Anonymous No.]

>>23148397
That's life down in Beltbuckle

[Anonymous No.]

>>23165709
We need this ship now

[Anonymous No.]

>>23148899
bucks? is that a new cryptocurrency?
because surely people will want to bid bank for HER house

[Anonymous No.]

>>23161582
schizocroat is that you? :o

[Anonymous No.]

>>23175133
>popular
>rich
>happy
Yeah man how terrible

[Anonymous No.]

>>23203632
This is /vt/.
People hate vtubers so much here that they consider being one the worst fate imaginable.

[Anonymous No.]

>>23144104
Now is a horrible time to buy a home if you care about mid-term equity but with the political powers that be there's no reason to think the housing market will not continue to trend upwards for decades to come thanks to artificial scarcity of non-renting properties, foreign firms purchasing residential properties en masse, and general NIMBYism and budget cuts preventing the development of large scale social housing projects.

If she buys a nice house in a nice area then in 40yrs she can expect to be in the black on it, and even if not it should have enough value to make buying another home significantly easier anyway.

This is assuming she cares about this shit anyway. She might just be buying her forever home intending to never leave it, or some basic-bitch starter home she can have the mortgage paid off on in 5yrs (or buy in cash, with her income) that she can afford to eat a significant % loss on easily in a couple years when the crash comes and she looks to buy a better place for cheap. Shit changes when you have a six digit income like she does.

[Anonymous No.]

>>23174812
based

[Anonymous No.]

>>23203988
This is Gura we're talking about, whatever she gets it's going to look like something out of Gummo in three years.

[Anonymous No.]

>>23147452
not that guy, but I believe both commies and (((bankers))) should decorate lampposts

[Anonymous No.]

>>23203988
>This is assuming she cares about this shit anyway.
She doesn't because:
>Shit changes when you have a six digit income like she does.
I'd be shocked if her income isn't 7 digits, and wouldn't be too surprised if it's 8.

[Anonymous No.]

>>23198192
South America is warm or tropical area and having a wooden house is not a good idea. Brick house is good to keep the interior cool.

[Anonymous No.]

>>23204329
I'd be surprised if it were eight. Seven is quite possible, between supas and her projected member income she's most of the way there already even without merch and such. But I don't think EN get enough sponsorships for me to buy she's hitting 8 figures a year yet.

[Anonymous No.]

I've never really understood the sentiment behind waiting for a "good market" to buy a house. Even if we look at a bubble crash as catastrophic as 2008 in california which was about a 30% reduction in value, your house would still positive in your investment had you just bought a few years ago instead of holding off for the next crash.

[Anonymous No.]

>>23204588
I'd be surprised if it was 8, too, but not too surprised. There's no it's less than 7 though, and most likely mid 7.
She doesn't have to care about any of that stuff.

[Anonymous No.]

>>23204785
Most people lock up a majority of their net worth in their property and want to be in the black if for any reason they have to sell it suddenly. If you buy a home, lose 30% of the value, then need to sell it in a few years to cover a medical emergency (if you're American) or some other disaster you are essentially fucked out of 30% of your lifetime wealth.

Besides that it also comes from the older boomer mentality where property values always rising was a more gradual process and the down periods lasted much longer stretches. Nowadays yeah if you buy a house odds are long term you will beat inflation on its price handily, but your grandparents and parents probably had to worry that by retirement it might not do that.

[Anonymous No.]

>>23205389
>If you buy a home, lose 30% of the value
1. proofs?
2. what are the reasons for this? It's not like it's a car, where it effectively decays over time. I mean a house does need upkeep and the like but it doesn't "go bad".

I think I fell for the boomer meme of houses only appreciating in value over time.

[Anonymous No.]

>>23204588
She's in a TV commercial for a fast food franchise. I think that one net her over 100grand right?

[Anonymous No.]

>>23205539
>I think I fell for the boomer meme of houses only appreciating in value over time.
That's not entirely untrue, unless you're buying at the height of a bubble. Value will generally go up, but over longer periods of time.
However, buying a house has a lot of costs that aren't tied to the value of the house, it would be almost impossible to immediately sell a house after buying it and get the same amount of money back or more, unless you got an insanely good deal.

[Anonymous No.]

>>23205580
yeah but look at how often each EN girl gets deals like that. the branch as a whole gets an okay amount of public sponoship deals but the individual members can go months between them at times, its not like JP where the big girls are collabing to advertise shit every month.

[Anonymous No.]

>>23205539
>what are the reasons for this?
Generally? Housing market falling due to lack of demand, mostly due to people being poorer during an economic downturn but also sometimes due to other factors like your neighborhood going to shit and suddenly not being a desirable place to live (crime rate increase, natural disaster, etc.) or people just moving away from where you live to go elsewhere (mostly happens in smaller towns and rural areas)

Other possible reasons;
- Turns out your foundations / basement / roof / etc. were built poorly and need major reconstruction to continue being safe, or some sort of accident wrecks them as a result.
- You can't maintain the house due to associated costs or labor and the gradual disrepair it falls into hurts the price
- Your home was built in a very specific style that is now out of fashion and anyone who would buy it will need to massively redecorate which affects how much they want to pay (think stuff like 70s houses with carpeted bathrooms, furry walls, fucked up tile patterns, wooden cladding on everything, etc.)

[Anonymous No.]

>>23205900
Well, that's why merchandising is better.
Watame literally funder her album full of original songs from one wave of merchandise profit.

[Anonymous No.]

>>23154426
yeehaw

[Anonymous No.]

>>23205539
Like stonks, and unlike cars, houses are traded not for use value, but for the prospect of making money. This destabilizes the market value of houses, resulting in speculative bubbles. These speculative bubbles always end sooner or later, and when they do, the price of housing returns to the mean, which usually means a modest loss. However, if you took out a mortgage when the price of housing was up, you're now underwater. You can't even sell the house unless you go bankrupt or pay the difference yourself.

[Anonymous No.]

>>23205900
but 100k is going to last a really long time, most people don't even make 30 to 40k a year so that does add up over time.

[Anonymous No.]

[Anonymous No.]

>>23207733
I'm not saying 100k isn't a lot of money I'm saying that making 100k off a sponsor deal every couple months won't get you to 10+ million dollars a year.

[Anonymous No.]

[Anonymous No.]

>>23209079
no it wont but you have superchat and video views and if you go by what youtube and what that one holo jp vtuber says cover takes they should get a lot but really she may be looking at having only around $500k, but that is a guess only. I just hope they are well taken care of they do work hard.

[Anonymous No.]

[Anonymous No.]

>>23209635
you can only guess, But remember they are taken care of because they would not stick around if they were not taken care of.

[Anonymous No.]

[Anonymous No.]

>>23209762
your right I did not look at it that way.

[Anonymous No.]

[Anonymous No.]

[Anonymous No.]

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[Anonymous No.]

>>23144104
>Go on hiatus to get a new house
>#gawrt is coincidently infested with BilliBilli spam
Thanks Elon...

[Anonymous No.]

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[Anonymous No.]

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[Anonymous No.]

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[Anonymous No.]

>>23210044
Damn now I want Elon to buy Cover corp so it can go independence and not relying on chink money. Also Elon letting Yagoo stay as CEO.

[Anonymous No.]

>>23212523
cover does fine how they are now Elon would run the place down, its best to let it stay the way it is now. Twitter is fine now but give it a bit under him and it will be such a miss that people will go to another platform or make another one, hell facebook is way worse so I don't see them moving there.

[Anonymous No.]

>>23212823
Elon was known to be hands off with the company he own that's successful.
Also lol you're one of those libtards who malding over Elon take over lol

[Anonymous No.]

>>23213018
I'm fine as long as he keeps orange off the platform and Vtubers keep doing as good as they do there.

[Anonymous No.]

>>23213073
That's what he planned. He even said he wants his critics to stay in the platform.
Also it's funny how some "professors" claim that he will let violence in twitter, forgetting that Youtube already did that and worse.

[Anonymous No.]

>>23213073
The Internet isn't your safe place, faggot.

[Anonymous No.]

this thread is fucking garbage

[Anonymous No.]

>>23212823
Unironically even the most based person in the west would still ruin anime related stuff. Let the Jap handle it
>inb4 Cover management bad
No, non-Jap would be worse