klardotsh
Joined 8 years ago
Joined 8 years ago
This setup would cost north of $50k (possibly north of $75k, depending) if installed by contractors. Labor costs are extremely high here, since COL is extremely high.
Even where it's "technically" possible, it's becoming more difficult. Some grocery stores around here don't staff traditional teller lanes at night, shrinking down to only self-checkout, which are card-only machines. To pay cash, you'll have to escalate to the roaming attendant (or at least, I assume they can find some way to accept cash for that transaction? I can't say I've tried)
I do believe this is a policy failure and that a law should exist mandating cash acceptance “for all debts public and private”, but there is nearly zero chance of such a law ever passing in the US.
Thus, you can budget around the mortgage payment in a predictable way, and if you have to move out because you can no longer afford it, that's a very different thing than if your property taxes magically change because a theoretical buyer may theoretically be willing to pay some astronomically higher cost for your house than you paid for it.
So, respectfully, I disagree with the framing that we have to take both or neither. They are separate budgeting concerns, and separate policy concerns.
Taxation based on the theoretical monetary value you could extract if you sold your primary domicile is probably the dumbest possible policy, because it leads to people being pushed out of their homes (or our of retirement, or into higher-paying jobs they don't want, or whatever). Houses do not have to be viewed as investment vehicles, they can simply be residences.
As far as property taxation on non-owner-occupied units... up for debate, but I think fixing to most recent transfer time's FMV works reasonably well here, too.
This is so much of a thing that there was even a federal investigation into it (particularly the SaaS service used to help feed the data driving this trend).
In some countries and cultures the good of the many comes before the good of the individual, no matter the sacrifices required to get there. The US (and to a slightly lesser degree, Canada) generally does not subscribe to such a cultural mantra.
Edit to add: for the cases where the societal good really does outweigh the personal good, we have a tool for that: eminent domain, which is how we build train lines and so forth.
It’s dumb. Here in Washington it’s rather common, I’m finding, for rural land plots to be part of a “Road Maintenance Association”. Exact same legal construct as an HOA, but scoped only to road maintenance on roads the county didn’t want to deal with. It would make so much more sense for the county to socialize those roads and reuse the same maintenance crews and vehicles for these stretches of road! But instead, a private entity pays through the nose to duplicate all that maintenance infrastructure (or pay contractors).
I guess I just wrote a much longer variation of "candy is dandy, but liquor is quicker", eh?
(this is not drinking advice, folks: you'll do plenty more damage plenty faster with liquor, too)
Am I having a yells-at-cloud moment where a bunch of folks are using cloud hosted LLM harnesses/environments (let's ignore the models, "of course" those are remote) and I just never saw the point?
Washington State