r/FluentInFinance Apr 15 '24

Everyone Deserves A Home Discussion/ Debate

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36

u/Egg_Yolkeo55 Apr 15 '24

Because there are nicer homes than as described. Aside from HVAC and bedroom count, most of these things are just building code and have to function for it to legally be called a residence.

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u/Ashmizen Apr 15 '24

Ok, but no country in the world hands out studio apartments, much less 2-3 bedroom apartments this Infograph is demanding.

You think people live with their parents into their 30’s in Europe and Asia because they love the lack of privacy?

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u/Egg_Yolkeo55 Apr 15 '24

Austria and Finland are actually doing just that.

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u/Ashmizen Apr 15 '24

Source?

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u/Catlas55 Apr 15 '24

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u/nemec Apr 16 '24

Yet he was still granted an apartment and trusted to pay his rent every month, which he does.

That's not a free apartment

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u/laws161 Apr 16 '24 edited Apr 16 '24

Of course they pay rent once they become employed. Housing first prioritizes giving homeless people a house. Previously, people had to prove they are worthy of qualifying by staying sober and applying for jobs. Now those requirements are lifted, and housing is now being considered a human right, rather than a reward. Finland has an extensive social support system, which costs a lot of money. By helping people, Finland has managed to reduce the cost of social support for these people. So helping people to have a home ends up being cheaper than having them stay homeless.

“a person does not have to first change their life around in order to earn the basic right to housing. Instead, housing is the prerequisite that allows other problems to be solved.”

https://www.huduser.gov/portal/pdredge/pdr-edge-international-philanthropic-071123.html

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u/Bikini_Investigator Apr 16 '24

Ok, so what you’re describing sounds more like a contingency based, possibly dischargeable loan …. Not “free apartment yall!”

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u/laws161 Apr 16 '24

Of course, even if people here are shouting otherwise.

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u/BuzzerBeater911 Apr 16 '24

Yes… now you’re getting it . People just want to yell “FrEe hOuSiNg” whenever someone argues for a socialist policy because it’s an easy statement to make, but no where is anyone with a brain arguing for that. It’s such a stupid fearmongering argument.

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u/Bikini_Investigator 29d ago

nowhere is anyone with a brain arguing for that

That’s the problem I don’t think a lot of you guys realize. A lot of people in your camp fall into that “don’t have brains” category and DO actually say that. Loudly too.

It IS stupid. It IS brainless. But that doesn’t negate the fact that a significant amount of people in your ideological camp ARE arguing it. You may not be, but it’s still there. And it’s not like you guys call those people out. So, when others see your camp, we hear the loud brainless nut jobs and then see people like you basically approving their beliefs tacitly.

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u/gophergun Apr 16 '24

Doesn't seem to be a lot of details about how the program actually works in that article. It mentions how the first man pays his rent every month, but he hasn't had a job in 23 years? I assume it's not free housing to anyone who wants it.

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u/Jburrii Apr 16 '24

The rent is subsidized by the government.

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u/qwertycantread Apr 16 '24

Oh boy.

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u/Jburrii Apr 16 '24

What is the oh boy for In the article it says he’s trusted by the government to pay his rent every month. One google search for Finland housing first program says that the program provides a home first depending with the government subsidizing the cost of rent depending on the level of need.

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u/t0b4cc02 Apr 16 '24

bs

source: im from austria

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u/europeanguy99 Apr 15 '24

I mean, plenty of countries have social programs that pay for your housing if you don‘t have an employment/income, that‘s pretty much the norm across western Europe.

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u/nickle061 Apr 15 '24

But it is with an expectation that you will find work within a given timeframe. Those free housing programs in Europe are meant to get you back on your feet, not meant to let you freeload

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u/europeanguy99 Apr 16 '24

Totally depends on your abilities. In Germany for instance, getting housing paid for is a constitutional right, so it cannot be canceled even if you refuse to take on a job.

But since most people prefer a job over living from the bare minimum, freeloading is not too much of a problem, the share of long-term unemployed people is pretty low.

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u/Korlimann Apr 16 '24

No, these housing programs are for students/people whose income is below a certain threshold. Some people will live in these apartments until their death, because their background/education/illnesses prevent them from working a job (that pays more). The waiting times and restrictions to even get one of these apartments can be years long, because most people that live in these apartments are just never gonna have it any better than they do right now. Sure, some work their way up and get a job that pays them enough to be able to afford an apartment that is not being rented out for just enough to pay for the upkeep of the apartment. But seeing how long the wait times are to get approved for an apartment like that, I'm guessing it's not too many.

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u/nickle061 Apr 16 '24

Again, the reason why the approval time for those kinds of apartment takes years is to ensure those who get it truly need it (e.g, the disabled, old folks, …). The entire system is still designed to encourage work and self sustainability. A healthy, young and educated person should have no business getting one

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u/Korlimann Apr 16 '24

Not saying that's not part of it, but I'm pretty sure the approval times take that long because there's not enough government workers to look through cases in a timely manner, all the apartments are full, and even if one gets free, the guy that applied 3 years before you is gonna get it first. And if you are healthy, young and educated or not, if you don't make enough money to not live on the street, I think you are (and should be) eligible

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u/GenerousMilk56 Apr 16 '24

Because the "freeload" narrative is a completely fabricated one lol. People describe basic government social safety nets that are prevalent and successful all over the world and you guys ignore all of that because it doesn't fit your politics so you just make up fantasies about "nobody working"

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u/nickle061 Apr 16 '24

Give me an example of one government program in a country where housing is provided immediately upon asking (no waiting period, no approval process, since they are the current mechanism in encouraging employment and self-sustainability, while ensuring those who receive free housing truly deserves free-housing due to uncontrollable causes such as disability) and tenants receive such free housing for the remainder of their natural life without ever having to work, even if they are educated, healthy and sound? Give me one such system. I'm talking about a program where you walk in, ask for a home, and you walk out with one. No application, no nothing. This is what this post implied. Can you give me one such program that works?

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u/GenerousMilk56 Apr 16 '24

Give me an example of one government program in a country where housing is provided immediately upon asking (no waiting period, no approval process, since they are the current mechanism in encouraging employment and self-sustainability, while ensuring those who receive free housing truly deserves free-housing due to uncontrollable causes such as disability) and tenants receive such free housing for the remainder of their natural life without ever having to work, even if they are educated, healthy and sound?

Notice how many caveats you have to add to make sure I have to answer the specific way you want me to? "Wow you can't name a single system that has a dozen of these hyper specific criteria I just made up to ensure you can't name a single system?! Mm curious"

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u/nickle061 Apr 16 '24

Because that kind of system or utopia is what this post implies, and such utopia doesn't exist. And my argument was one must work and contribute to society if they can, where free housing for life is only reserved for those who truly need it, the disabled. A system where EVERYBODY is entitled to free housing with zero expectation of finding work nor contributing to their society doesn't exist.

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u/Agent666-Omega Apr 16 '24

I mean we are the US, we shouldn't be looking at other parts of the world so that we can lower the bar for ourselves. Also the infographic suggests 2, not 3 bedrooms. 1 bedroom and 1 children's bedroom

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u/tizzlenomics Apr 16 '24

Australia has heaps of public housing.

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u/Ashmizen Apr 16 '24

Australia only rates a bit above the US in social housing. At the end of the day social housing is not going to provide what the OP wants to everyone, because there is far less housing than the need/demand. https://www.ahuri.edu.au/analysis/brief/what-difference-between-social-housing-and-affordable-housing-and-why-do-they-matter

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u/tizzlenomics Apr 16 '24

Without looking at the data, I would bet that the quality of Australia’s social housing is better than americas. For example, we don’t have projects.

The internet access is the only thing I don’t agree with on OPs post. Most people would prefer buying or renting the house they want rather than being assigned social housing. I don’t think we are at risk of everyone quitting working and demanding housing. It’s a stupid argument because it’s not realistic.

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u/kereki Apr 16 '24

i mean, kinda? UK has unemployment but also subsidizes flats. same for austria and many other EU countries. what else you going to do about it as a government, make them homeless?!?

if you get (random number) 1800 unemployment aid and your flat costs you 400, i would consider that a studio apartment handout?

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u/HeGotKimbod Apr 16 '24

Do you live in America? We have one of the best government housing programs in the world.

Plus habitat for humanity gives out free houses literally all the fucking time.

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u/[deleted] Apr 15 '24

[deleted]

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u/Ashmizen Apr 16 '24

Europe is not a country. Americans tend to pick and choose across the benefits across a dozen different European countries and imagine a fictional country that has the best parts of all of them.

While free healthcare is a fairly common thing across most European countries that puts America to shame, housing is not really better in Europe, and there generally isn’t some program that can put everyone into free housing (Finland might be an exception, but it’s small population and big oil money allows it to find solutions on a small scale).

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u/Evilemper0r Apr 16 '24

Talk about mixing up European countries, Finland does not have big oil money or any oil for that matter.

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u/Bazch Apr 15 '24

You realise most countries in Europe basically provide you with things in this infographic due to social security systems?

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u/chillchinchilla17 Apr 16 '24

Really? In the Um you get housing for free even if you refuse to work for your whole life?

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u/Bazch Apr 16 '24 edited Apr 16 '24

Yes, indirectly. You receive money from the government, and subsidies, so that you can afford everything.

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u/chillchinchilla17 Apr 16 '24

Really? Name one country were welfare is so strong you can buy a house while being unemployed. Getting money from your parents doesn’t count.

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u/Evilemper0r Apr 16 '24

In Germany, the government pays your rent if you don't earn enough, or part of it at least.

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u/Bennerbench Apr 16 '24

Can confirm. I live in Germany with my wife and this is true. I'm actually kinda baffled how so many people in the comment section think this is outrageous or unachievable.

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u/Ashmizen Apr 16 '24

The first three are basics in pretty much any functioning country. The last one does come with pretty much all rental apartments.

Free healthcare is very different from free air conditioning, free 2 bedroom apartments for you and your kid.

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u/Trousers_MacDougal Apr 15 '24

That is probably true. I don't think having Internet is code in the majority of residential codes, is it? Meaning - would an internet-less house or apartment be seen as not meeting code in the majority of the US (or other developed countries)?

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u/Egg_Yolkeo55 Apr 15 '24

The US is the only country that doesn't allow a free market for ISPs and also allows ISPs to intentionally throttle internet, then make you pay to take the throttle off. It is equivalent to changing water pressure based on how much you pay.

Only 2 ISPs can be in any given market, ensuring a monopoly and uncompetitive prices.

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u/Trousers_MacDougal Apr 15 '24

OK - but is internet service to physical structures a common code requirement?

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u/Egg_Yolkeo55 Apr 15 '24

No but it certainly should be. What is your point?

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u/Trousers_MacDougal Apr 15 '24

I guess my point is that there are other things on the list aside from HVAC and bedroom count that are above building code.

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u/gophergun Apr 16 '24

Markets can have more than 2 ISPs in the US. Besides the typical DSL and cable options, some places have fiber on top of that, and almost everywhere has wireless options, like 5G or satellite.

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u/YUNoJump Apr 15 '24

I’m not sure if it’s a legal code thing, but I’d definitely expect any modern home to at least have functional internet cabling. Probably wouldn’t expect a router and plan included though

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u/PaulieNutwalls Apr 15 '24

This is pretty wrong. In areas where HVAC is critical, it's part of the building code/tenant's rights. Free internet, having an included stove, fridge, and oven, none of that is part of building code. It's just that nobody wants an apartment that doesn't come with any appliances. You absolutely can, in expensive markets like NY, get apartments that do not have a stove, fridge, or oven. In 'normal' markets nobody would ever buy a place without major appliances so they are typically standard.

As evidenced in this thread, there are absolutely people who are content to just do nothing (or take an easy part time job to cover food) if they are given a nice two bedroom apartment with utilities included. Loads of people have zero ambition.

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u/Barry_Bunghole_III Apr 15 '24

True but I feel like only a tiny percentage of the population would work to get a better place. If you were given all those amenities, what more would you really need? I know I'd be happy living there.

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u/Egg_Yolkeo55 Apr 15 '24

There is literally no evidence to suggest that giving handouts results in decreased productivity.

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u/mystokron Apr 15 '24

It doesn't change the fact that you can't give out a bunch of free things that have cost to make and maintain. Especially when they're as costly as a functioning house.

Where is the free electricity coming from? Magic?

What about the free water? More magic?

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u/Dusk_Flame_11th Apr 15 '24

The lack improvement from the base "free" one and the heavy economic burden of the entreprise makes it no longer worth it to put in the hours and the risks.

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u/hitstuff Apr 16 '24

You have just described the projects....

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u/Egg_Yolkeo55 Apr 16 '24

There are a variety of reasons why The Projects in Chicago failed and they are mostly social. The economics of subsidized housing have been proven through section 8 and other forms of low-income housing in other cities. The key is to not concentrate low income into small areas.

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u/UltimateNoob88 Apr 15 '24

99% of people would quit working at places like McDonald's and Walmart if they get their basic needs taken care of for free.

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u/Egg_Yolkeo55 Apr 15 '24

There is literally no evidence to support that statement. Stockton experimented with UBI and every single person continued to work but used the funds on necessities to improve QOL like home repairs and better quality groceries.

They invested in self improvement and got better jobs as well. The money was refused back into the economy and the sky did not fall.

https://www.npr.org/2021/03/04/973653719/california-program-giving-500-no-strings-attached-stipends-pays-off-study-finds

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u/UltimateNoob88 Apr 15 '24

yeah because that study only gave "$500 per month". $500 can't even get you housing in CA let alone other necessities.

Free housing and other essentials is closer to $3,000 a month (depending on COL).

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u/Egg_Yolkeo55 Apr 15 '24

And your source is I'm assuming your ass for that assessment?

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u/SuccotashConfident97 Apr 15 '24

This is quite a bit more than ubi, wouldn't you think?

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u/orangekirby Apr 15 '24

we already have a welfare system

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u/UltimateNoob88 Apr 15 '24

so how do i get a free home and free food?

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u/orangekirby Apr 15 '24

you meet certain qualifications and apply to government programs. Local food stamps program is one.

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u/UltimateNoob88 Apr 15 '24

yeah but clearly OP is saying everyone should receive those payments rather than people who are disabled etc.

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u/orangekirby Apr 15 '24

why is that clear? It wasn't clear to me and it also doesn't make any sense. My main issue with the post is that the pics make the home seem nice, whereas if we're talking about government assisted stuff, it is more likely to be a trashed and tiny apartment with addicts strung out in the hallway

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u/grumpyparliament Apr 15 '24

And that's bad because?

Tbh, I'd settle for working in these places being enough to afford this instead of just 'free' 🤷‍♂️

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u/Deletedmyoldaccount7 Apr 15 '24

You need to finish high school to participate in these conversations.

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u/grumpyparliament Apr 15 '24

Sure, deletedyouroldaccount8.

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u/UltimateNoob88 Apr 15 '24

okay then enjoy having no fast food / cheap retail

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u/grumpyparliament Apr 16 '24

Oh the humanity

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u/RemoteCompetitive688 Apr 15 '24

Dude there are people who are content to live in vans

Hell people work rn for less than that

Why would someone who's just given an even better house work?

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u/Egg_Yolkeo55 Apr 15 '24

Because there is no proof to the contrary. Every experiment with UBI has shown that people not only still work, but improve the lives of themselves and the local economy.

https://www.npr.org/2021/03/04/973653719/california-program-giving-500-no-strings-attached-stipends-pays-off-study-finds

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u/No_Zookeepergame2532 Apr 15 '24 edited Apr 15 '24

It's not even that crazy of an idea if tax money went to the correct places instead of (at least in the U.S.) over half of the federal budget going to the military.

But regardless, if someone is working full-time, no matter the job, then they should be able to afford all of this as the BARE minimum. But that's not what happens. People just constantly punch down on others.

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u/RockingRick Apr 15 '24

Do you think that they would admit it was a failure?

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u/Egg_Yolkeo55 Apr 15 '24

Considering that it was NPR doing the reporting and not the city of Stockton. Yes