I don’t know about the US, but in the UK, rebuilding would be covered by the homeowner’s buildings insurance.
Although insurance companies would probably try to claim it as an Act Of God to get out of it. Don’t know how that would go legally…
There are many reasons why renting is better for some people and buying is better for others.
Renting gives you the flexibility to just up sticks and leave at a known notice period. You don’t have to worry about the boiler breaking, or mould/damp, or the roof coming off (or like I’m about to have to deal with, a fence panel getting blown away in a storm) because your contact with the landlord says they’ll fix that for you.
There should absolutely be that choice available.
The problem, at least in the UK and probably elsewhere, is that renting is just SO expensive that it’s not possible to rent and save money, meaning that if your goal is to buy, you can’t because you can’t raise the deposit, even if paying a mortgage on a similar sized property would actually be cheaper on a monthly basis.
Sure, you read stories about people who are wonderful landlords, they don’t raise rents, or at least, by less than market rates, they’re quick to fix any problems the tenants have, all that good stuff.
Equally, you read stories about people who are basically renting from Satan and all the things I mentioned above take months or years to get fixed, if ever. (Slumlords are definitely people who should be put up against the wall and shot come the revolution)
I’m assuming the vast majority are somewhere in the middle.
But the fact that you’ll probably rent for at least some of your life shouldn’t drain all your money into someone else’s mortgage. As I said in that other post, housing of some form should be a basic human right. And the fact that individuals or companies can buy many houses and leave them empty because they can afford to have rents set so high that most people can’t afford them? That’s just wrong.
Hah. I meant socially, not that it happened by accident!
To be clear, I wasn’t trying to say ALL rental housing should be subsidised, just that there should be a healthy supply available for local councils to make available to people who need it based on whatever criteria they set for that.
Even when I was renting, I’d earn too much to qualify. People with young children would take priory over single people. That sort of thing.
It’s not a perfect system, but it’s better than companies gaming the system to maximise profits at the expense of the most vulnerable.
Yes. The ability to have a place to live should be a basic human right and therefore be affordable.
If that means the government* subsidises it for the low income families (as in owns them and rents them at below market value), so be it.
We used to have “council houses” in the UK for exactly this purpose, but in the 70s, Thatcher came up with a “right to buy” (at a decent discount) and then made two mistakes - there were no restrictions after buying to stop you selling to anyone else, and there was no building of replacement stock after they were sold. So the result 50 years later is that there are nowhere near enough council houses any more, and a lot of the old ones are privately owned and being rented out at market rates, which are (depending on the area) very expensive.
*local or national, I don’t really care which
I’m certainly not, but having seen claims you can replace the SSD with a bigger one, I can imagine a lot of people might try it…
Genuine question - what device do you have that has USB-C ports, no USB-A ports, doesn’t have WiFi, but supports the dongle?
It’s more Y’all Quaeda
My boss told me verbally “don’t call your colleague a fascist by email or anything else that leaves a record”, so that was nice of him.
To demonstrate the lack of a “clear mandate”.
Yes, Trump will win if he gets one more vote than Biden, but the more he loses the popular vote by, the more justification people have for protesting.
So if he wins on electoral college votes but loses the popular vote by a landslide, at least it shows what The People are actually thinking.
The last time I tried to install Windows 11 on a VM (Nutanix AHV), I had to fiddle with a virtual TPM and lost the live migration feature as a result.
Dos this mean I can install the LTSC version, not need the TPM and have a working, live migrate-able machine?
Something to test next week…
It’s an older meme, sir, but it checks out.
You’re a transphobe and an asshole. Got it.
You’ve had your shower thoughts, everyone is telling you why you’re wrong. At best your ideas are from the last century. At worst you’re just a troll. We can’t make you get with the times or summon the smallest amount of empathy for other people, but we can shun you for your offensive attitudes.
Again, you’re basing all of this on your opinion of what a woman is.
And you’re wrong. It’s as simple as that.
Why? Because it makes you feel better?
I think they know themselves and what they need better than you do.
Why can’t they just be happy being a male and just wear feminine clothes?
My god, you’re a genius. No trans person has ever tried “just being happy” with how they are. They put themselves through the misery and surgery and social stigmatisation, when all they had to do was “be happy”.
I bet you could solve depression too, if you put your mind to it.
Not sure why you’re downvoted for that. I’m a meat eater, and I’ll admit veganism seems more ethical. But it’s too inconvenient to give up meat, so I don’t. And having vegans around reminds me that I could be doing more to make the world a better place. So guilt.
Probably helped by the fact that none of the vegans I know are preachy about it, so I can’t just assume they’re all assholes either.
Counterpoint - if people don’t need to take crappy jobs just to afford food and shelter, those jobs will have to provide better pay and conditions to get employees.
Also, if more people can afford to get further education, you’ll get more doctors and engineers and high skilled workers, because they’ll be able to do the training instead of getting several minimum wage jobs just to support their families.
I’ve said it before - any society that can afford billionaires can afford to feed, clothe, shelter and provide basic medical care to all is members, it’s just choosing not to.
I’m in this picture and I don’t like it
Buddy, the world is a dumpster fire right now and it’s only getting worse.
I don’t watch films for realism. I want the billionaires to get fed into their drug crushing machine*, or sucked out of the window of their private jet, or get minced by their giant drill or blown up in their yachts.
I want the good guys to win for a change.
*yes, I know this was a henchman. Don’t @ me