Somehow it won’t get done in her first term but vote her back in and she promises it will get done in her second term. How do I know? Because every single president does the same exact thing.
While you’re probably right, there really isn’t a better choice here. It is what it is.
Yeah Walz is the kind of person I really want up there. It’s not just that he’s liberal(as far as our country’s standards go) but also the fact that he has a great track record on delivery.
I’d still vote anyways to keep DT out but you know how it is. It’s hard to be excited given how it feels that the Dems have a habit of wiggling their way out of delivering on important issues.
Because every single president does the same exact thing.
What are you talking about?
Biden got about as much as he could get through a Republican controlled House and a filibustering Senate: a major COVID relief bill, a major infrastructure bill, and a major environmental reform bill.
Trump did a shitload in his one term:
- Replaced 3 Supreme Court justices and a lot of lower court judges who went on to overturn Roe v. Wade and Chevron, deliver a shitload of conservative decisions, and block a bunch of Biden executive actions (including student loan forgiveness, all sorts of COVID policies, and a bunch of economic regulations).
- Major tax cuts in 2017 for corporations and high earners
- Withdrew from the Paris accords and rolled back a lot of Obama EPA regs
- Made shifts towards privatization of k-12 education, including towards religious private schools.
Obama signed a bunch of stuff into law his first two years:
- Obamacare
- Universal healthcare for children under S-CHIP
- Student loan reform, creating public service loan forgiveness and much better repayment plans while cutting out private lenders who took all the upside with none of the downside.
- Lily Ledbetter Fair Pay Act
- Repealed Don’t Ask Don’t Tell
- Passed Dodd Frank, including the creation of the Consumer Finance Protection Bureau
- School lunch reform
Bush campaigned on tax cuts and got them, and then got a bunch of other stuff in from his first term related to 9/11 and the aftermath: The Patriot Act, authorization for wars in Afghanistan and Iraq, etc.
If anything, presidents are far less effective their second term than their first term.
What a terrible reply. I never said presidents don’t get anything done in their first term. Just pointing out how a lot of shit they campaign on doesn’t get done so they campaign on the same shit again.
And they’re telling you you’re wrong. Biden campaigned on getting stuff done and he got stuff done. Don’t project your pessimism onto everyone else, it’s not helpful
Promises mean dogshit in this day and age
You’re getting downvoted, but it’s true. They aren’t obligated to stick to campaign promises. And often don’t, or get hamstring by legal hurdles and/or congress.
Don’t protect “renters”. The entire concept of “renting” needs to die in a fucking fire.
Instead, we need to jack up taxes on residential properties. Send them to the moon. $2000/yr? Fuck that: $2000/month.
But nobody actually pays these exorbitant rates, because we create an “Owner Occupancy Credit”. The tax rate is only high if the owner doesn’t live in the home.
What happens to renters? Do landlords jack up their prices to cover the increased property taxes? Or do they offer their tenants a private mortgage or a land contract, so they don’t have to pay the hiked taxes?
When they can make more money as a lender than as a landlord, they aren’t going to be renting anymore. Establish an owner occupancy credit, and “landlords” will be fighting tooth and nail to convert tenants into buyers.
(The actual tax rate should target an 85% owner occupancy rate. When more than 20% of the population is renting, the non-occupant tax rate is increased 1% per year. When less than 10% is renting, the non-occupant tax rate is dropped 1% per year. )
Nah, nonprofit state-run landlords (in countries which have them) are great, and strong protections for renters are good. I don’t want to buy a house, I move around a lot, don’t wanna deal with lawyers every time I move, don’t wanna be responsible for maintenance, I just want some basic level of security and not to be completely ripped off.
Why is 85% the magic number? Just because you say so? I do agree that increased property taxes are important, but there’s no reason not to also make rental contracts less exploitative.
Nah, nonprofit state-run landlords
We have those. They run “Section 8” housing, which, in my area at least, is substandard housing in high crime areas, because those areas have the cheapest housing, and that’s what the state buys. They also currently have a 6-year wait-list in my area. You only have a fixed time you can live there. There is means testing, and strict rules on who can come and go.
The problem isn’t actually the “state run” part, though. The problem is the market in which the state is operating. Whatever approach we take, we need to fix that market first, and that’s what I’m talking about.
I don’t want to buy a house, I move around a lot…
I don’t think you understand what a “land contract” is. It gives you the flexibility you need from a rental agreement, without imposing rent on long-term residents of a property.
If you are only going to be living in the property for less than 3 years, it is a rental agreement. It is an agreement that happens to be recorded with the county, like a deed, which allows them to consider you an “owner occupant”.
The real differences are if you decide to stay there longer than 3 years. Your monthly payment was calculated by assuming principal, interest, taxes, and insurance on a 30-year mortgage, which is usually what you’re going to be paying in rent anyway.
If you stay at least three years, the agreement becomes a sale contract; you become the deeded owner; your equity becomes the down payment, and your former landlord becomes a private lender with those pre-existing terms.
If you leave before 3 years, you forfeit your equity, and the agreement functioned identically to a rental agreement.
You still get to live like a tenant, and move around as you like. You can unilaterally abandon the contract for any reason during that 3-year period. For you, nothing changes other than the words at the top of the agreement. Words that are important to your “landlord” as it saves him a lot on taxes, but that are completely irrelevant to you as a “tenant”.
But, if you do change your mind during that three year period, and decide you do want to become a homeowner, you’re already well on your way.
Alternatively, Duplexes, triplexes, and quadplexes are all single properties, where the owner of that property can live on site, making the property eligible for the owner occupant credit. The other 1-3 units on the property are available to rent out. If you really want an actual rental agreement instead of a land contract, that is one option.
NY has this. What you have described is the STAR tax credit. This credit only applies to school taxes (2-3k a year)
Yeah, many states have similar credits or exemptions for various purposes. From my brief research, it seems the STAR credit is not available to new homeowners. It’s only available to people who are grandfathered in. But, it works much like I describe: a credit for owner occupants.
Ohio has a “Homestead Exemption” allowing disabled and elderly homeowners to deduct $25,000 of the market value of their residence.
We can do the same thing for purposes of discouraging corporate and investor ownership of residential property, and encouraging occupant ownership.
it seems the STAR credit is not available to new homeowners. It’s only available to people who are grandfathered in.
You might be looking at the enhancement STAR which has more complex requirements. Here is the PDF for new homeowners and here is the actual eligibility page.
edit: OH you are looking at the STAR exemption vs the STAR credit. Yeah it’s basically the same thing. One is applied to your taxes before you receive your tax bill (and is being phased out since 2015) and the other is a direct deposit you receive. Same amount.
How would you handle apartment buildings?
Making them all Condo’s possible I suppose but, there’d be a lot of poorly maintained buildings no one would want to actually own part of
Duplexes, triplexes, and quadplexes could all have an owner living in one of the units, making the whole property eligible for the owner occupant credit, while the other units remain available for rent.
Bringing this back to your comment, suppose instead of dividing a complex into individual units, we divided it into a “quadplex” condo. A single property consisting of 4 units. The owner of that property occupies the quadplex, making the quadplex-condo eligible for the owner-occupant credit. 3/4 of the apartments are still rentable.
there’d be a lot of poorly maintained buildings no one would want to actually own part of
Somebody is making money off of those poorly maintained apartment buildings now. Better that somebody be someone who is actually part of the community (and thus motivated to improve the property) than a hedge fund manager living on the other side of the country.
Landlord has to live on-site. In what I fondly call “face-punching distance.” And can only collect a monthly salary equal to 3x the median rental price of all of the units in that building. Any surplus profit after paying utilities, taxes, and maintenance cost (to maintenance people who either also live on site or are at least paid 3x the rent of a median unit), gets refunded to the tenants.
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What protections for renters? They basically have none. Let’s see some implemented!
