Readit News logoReadit News
hintklb commented on Ask HN: What trick of the trade took you too long to learn?    · Posted by u/unsupp0rted
ameliaquining · 24 days ago
In the U.S., renting a single-family home is not usually a particularly good idea. Because of the tax disadvantages that I mentioned upthread, but also because the market's relatively thin (in part because of said tax disadvantages) and this makes it harder to find a house you like as much.

(You can pay people to do maintenance tasks on your house, and if you rent then you're already indirectly paying for that. Professional landlords benefit a bit from economies of scale and such, but it's a minor difference.)

hintklb · 24 days ago
>> if you rent then you're already indirectly paying for that.

Quick note: People repeat this non stop ("The cost is passed down to the renter"). This has been proven false many times. The cost to the landlord is mostly irrelevant to the renter. Rent is set by offer and demand in a particular market. Just try to increase your place 1000$ above market rates because "Maintenance and taxes", your renters will move. So it obviously doesn't work like this.

hintklb commented on Ask HN: What trick of the trade took you too long to learn?    · Posted by u/unsupp0rted
nikkwong · 25 days ago
I don't know, I hear this advice all the time and I think people are just not looking hard enough. I invested in Seattle between 2017-2022 and have several properties here that are cash flowing.

For example, for an $800k house you would have to generally put down 160k. If you picked the right property, with enough rooms, you can cash flow around $1-2k on this which will net you around 10-20k a year, and that's not counting the tax advantage of depreciating the house which is substantial.

When you throw in the fact that the asset could/should appreciate, the fact that you can borrow against it, leverage aggressively to buy more—don't know, my reasoning could be wrong, but it doesn't seem to always be an inferior investment vehicle.

hintklb · 24 days ago
is it really cash-flowing $1-2k a month after you account for repairs, taxes, fees, realtor fees, closing fees, bad tenants (which will always eventually happen) and all the time you spent managing this?

The tax advantage are really marginal since 2016.

160k$ invested in the SP500 gives you on average 16k$ a year compounding fully liquid with zero management.

Yes the place should appreciate at 3% a year historically. But even that doesn't make up for it.

hintklb commented on EU proposal to scan all private messages gains momentum   cointelegraph.com/news/eu... · Posted by u/6d6b73
shafyy · 25 days ago
This probably differs from country to country though. I have worked and lived in Switzerland (I know, not EU), Germany and US, and it does not feel like people don't care here in EU. In fact, in terms of people going out on the streets and demonstrating, it takes a lot less in countries like Germany and France to so compared to the US, in my experience.

For example in Switzerland, there's the instrument of a "Volksinitiative". If you can collect 100k signatures, the government must hold a national election on this issue. And these are quite common and popular in Switzerland. In Germany, those unfortunately only exist on a state-level, not federal level, but are also common.

So, in my experience, people are very much involved in government here. This might be different in different EU countries of course. Or maybe you have a vastly different bubble you live in than I do.

hintklb · 25 days ago
I think you make good points.

The main difference that struck me between the EU and living in the US is that by default EU citizens will assume good intent. I see European protests as interest groups that need to show that they are still important once in a while.

In the US, people will assume bad intent by default for politicians. This will lead to a ton more push back and scrutiny

hintklb commented on EU proposal to scan all private messages gains momentum   cointelegraph.com/news/eu... · Posted by u/6d6b73
shafyy · 25 days ago
That's not true. The issue with EU is that it's not really representative, and this is being critised for a long time and I hope should change in the near future. The EU parliament (the only directly elected body of the EU) does currently not have enough power.
hintklb · 25 days ago
I'm a European citizen and I disagree.

Compared to the US and a lot of places in the world, Europeans generally care less and have more trust in their government. There is a general sense that elected officials generally do what is best for the people. This leads to less scrutiny and push back in general. Definitely way less than in the US.

hintklb commented on EU proposal to scan all private messages gains momentum   cointelegraph.com/news/eu... · Posted by u/6d6b73
p0w3n3d · 25 days ago
There's this "I have nothing to hide" sentiment followed by blind trusts into officials, their intentions and their alleged protection. I.e. people are scares of terrorism and would like it to stop, so they hope the terrorists will be found by spying.

At least in countries where the terrorism emerged recently, I'd say...

hintklb · 25 days ago
You are right.

As a European that lived in the US for a long time, a big difference is that there is also a lot of "European Conformism". You don't want to be seen as the weird one protesting things if nobody else does it. It's just easier to go with the flow and accept things.

hintklb commented on EU proposal to scan all private messages gains momentum   cointelegraph.com/news/eu... · Posted by u/6d6b73
efitz · 25 days ago
Do citizens in the EU actually want this?

If not, how are EU politicians so disconnected from their citizens? How did this state of affairs come to be? Is it reversible?

In the US, our politicians don’t diverge quite as much, but when they do, the reason is money, and when it gets bad, we throw the bums out and elect populists. It’s not pretty and it’s messy but it self corrects with the next election if it doesn’t work out how people wanted.

hintklb · 25 days ago
EU citizens have way too much trust in their government and elected officials. A lot of people here just assume officials act in the interest of the population and most people don't really check or care to understand in detail those type of proposals.

And unlike the US, very few people are going to push back based on "freedom" and "my rights" which is unfortunate in my opinion. This lack of pushback is why those types of proposal even come to be.

hintklb commented on Coffee-shop pitch change helped founder unlock traction for laptop campers   iwantproductmarketfit.sub... · Posted by u/walterbell
jszymborski · 25 days ago
At some point we need to realize when generalizations of cultures and peoples becomes problematic and cool it, not add on to it.
hintklb · 25 days ago
The Dutch being frugal is well-documented and well-known [1]. Are you suggesting we should just pretend it is not the case and act as if we all thought exactly the same way? This article is only relevant because it takes place in that exact culture.

[1] https://www.moneyonthemind.org/post/how-the-dutch-handle-mon...

hintklb commented on Coffee-shop pitch change helped founder unlock traction for laptop campers   iwantproductmarketfit.sub... · Posted by u/walterbell
carlosjobim · 25 days ago
Haven't coffee shops since the beginning two hundred years ago been places where people might hang out for a long time without spending much? In the 1800s and beginning of the 1900s? It shouldn't be a problem that people spend time there without spending money, as long as there's plenty of empty tables available, as I see it. And most laptop patrons are conscious to spend some money and not overstay their welcome.

The idea pitched in the article would probably only work with Dutch or central Europeans in general, who unfortunately lack a lot in culture after WWII. Europeans love rules and regulations, and will follow them and take any opportunity to abuse things when there's no explicit rule. Such as overstaying your welcome with your laptop in a café. If this idea with a minimum spend would be pitched in a more mature culture, people would just scoff at it and not visit such a café.

hintklb · 25 days ago
Agreed.

This article seem to be centered on Dutch culture (Which I have discovered the hard way is one of the most stingy frugal culture you could ever imagine).

hintklb commented on Ask HN: What trick of the trade took you too long to learn?    · Posted by u/unsupp0rted
ApolloFortyNine · 25 days ago
>and it's incredibly unlikely you spent $196000 on repairs in 15 years.

You have $196000 of buffer on all these (downpayment, taxes, hoa, repairs, insurance, realtors, closing fees??). This number doesn't even include the earnings if you sold the house, in your hypothetical example of the price doubling in 15 years, you actually have $696000 to play with here.

Though it's funny you mention taxes since deducting mortgage interest is one of the biggest tax benefits most people have access to.

Look I don't know why your so anti-house, but you really might want to run the numbers again. You provided two numbers, I did further math on them, and your reply was simply 'the math is incredibly more complex'. This is hardly a fruitful argument from my end.

>Functionally you live in the same place, and the system managed to extract more money from you.

I'm honestly sorry you feel this way. You are only hurting yourself.

hintklb · 25 days ago
Again, the back of the napkin math you do doesn't work. Educate yourself and search online or on this thread. A ton of people agree with me and the math once you dig deep.

https://www.nytimes.com/interactive/2024/upshot/buy-rent-cal...

We don't need to agree. You seem happy to think you came ahead financially, good for you.

hintklb commented on Ask HN: What trick of the trade took you too long to learn?    · Posted by u/unsupp0rted
darick · a month ago
> - Buying a house: Is this the best return I can get on a downpayment. (Spoiler: It is not).

This depends entirely on how much the mortgage costs compared to the rent you'd otherwise be paying no? It is very much case by case depending on where you live and therefore completely wrong to state as a general rule? In my area mortgages are far cheaper than rent, even if you account for 10% annual returns on your house deposit when renting, you would still come out far behind in the long term

hintklb · 25 days ago
it's a complicated calculation based on a lot of factors. Not only mortgage/rent difference, hence the calculators that are available.

u/hintklb

KarmaCake day64December 21, 2023View Original