Decline of Functioning Society

What I say now, as I've heard over and over about Sales and Budgets, etc. Evidently it's all about the Money, so if that's the #1 focus above all else then show us the Money.

Of course in this Judeo-Masonic unnatural FIRE Economy they don't want young strong men challenging theie Dominion and being able to raise good Christian children.

This Jewish Parastic Economy thrives on Slave Labor and Hopelessness.
 
Australia Sucks said:


Dave Ramsey is a moron.

He thinks you can hire the best employees while paying average wages. The guy calling into the show didn't even offer his employees health insurance and he was complaining that he could only hire idiots. Ramsay tells him to only pay "market rates" and not more. The comments section rightly slammed Dave Ramsey who is an absolute moron.

Typical low IQ small business owner. If you want the best you need to pay above average. Being a pleasant place to work helps but its not enough without the higher pay. It seems to be a common trait amongst entrepreneurs and corporate management people to never take responsibility for their actions. Everything is always someone else's fault and they always want to gaslight others.
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Greed is such a huge problem in modern society—even within so-called Christian circles. They want all of it to flow to the top without a thought for the lives of those who work for them. I see this all across the spectrum and here in the so-called “Bible Belt” where it can be worse.

For example, my wife just had dinner with a friend lamenting the condition of her church (we used to attend but became Orthodox). Pastor makes north of $150,000 a year and so does the wife. The friend commented that they don’t work much, they don’t counsel anyone, and they go on a month-long sabbatical. Volunteers and lower paid staff take care of the rest.

This is typical too, because as a young evangelical I used to work at a church full-time but with part-time pay and no benefits. Pastor and his wife and kids all made huge salaries while us staff barely eked out a living, living under the mantra that we were building the kingdom. Christmas bonus one year was twenty bucks—Pastor’s birthday gift offering was $33,000. Spent it in Vegas, the city of sin. How ironic.

I can see why young people turn to communism and other punitive social movements to get their piece of the pie. Is it just? Absolutely not, but neither are the wages in so many of these situations. These owners bring it on themselves and yet drag a lot of good people down in the process and only enable losers with no talent in governments positions to take over.
 
To be fair, this is what happens when the culture degrades and people live long enough to not have to think about what has changed. Ramsey is perhaps the very best example of this, someone who has been successful, thinks his life has been hard, but in reality he just worked hard like everyone else has always had to but had major opportunity and piggy backed on the broken, debt system.

Increasing regulations hurts business owners, who feel entitled because they took on risk. It doesn't help that workers feel entitled too, but here's the rub, and I've said it forever: it's a no win situation for small and medium business since that's the design (especially post covid, which proved it).

TheLoneReader said:
Greed is such a huge problem in modern society—even within so-called Christian circles. They want all of it to flow to the top without a thought for the lives of those who work for them. I see this all across the spectrum and here in the so-called “Bible Belt” where it can be worse.
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Ramsey has a rather HUGE list of completely idiotic takes. Beyond the brainless BTC stuff, he also acted like it was OK for him to buy 27 houses or properties, but blackrock because it's an entity and faceless is not some steward (by God) in the same class. Sure, Dave. Another we've made fun of is of course his total lack of awareness of how laws crush incentive, divorce laws have set up men to not want to tell or give women any outs, etc. Because his wife hasn't and won't take him to the cleaners somehow that means that "you should share everything" in 2025. STFU, idiot, just think for a second.

DR learned responsibility and what worked in a debt, leveraged, and real estate system that had rich people writing its laws. That is going away, but it might take another decade. Either way, good for him. He made money as a commentator not by having any insights, but basically by just telling people to not go in debt, save, and hey, there's this thing called index investing that rich people do.

All that has been going on in situations like this is that these people keep MORE of their money, they are not losing massively like all the people that don't do it, it's literally nothing special whatsoever, but it appears so because CPI is a lie and most people work for 30-40 years; of course they are going to have something at the end of that if they don't lose it all to stupid behavior and massive inflation (usury/stealing by the government).
 
TheLoneReader said:
I can see why young people turn to communism and other punitive social movements to get their piece of the pie. Is it just? Absolutely not, but neither are the wages in so many of these situations. These owners bring it on themselves and yet drag a lot of good people down in the process and only enable losers with no talent in governments positions to take over.
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How is it not just if it’s voted upon in a democratic manner? If someone is being economically greedy and exploitative advocating for countermeasures is bad?
 
TheLoneReader said:
Greed is such a huge problem in modern society—even within so-called Christian circles. They want all of it to flow to the top without a thought for the lives of those who work for them. I see this all across the spectrum and here in the so-called “Bible Belt” where it can be worse.

For example, my wife just had dinner with a friend lamenting the condition of her church (we used to attend but became Orthodox). Pastor makes north of $150,000 a year and so does the wife. The friend commented that they don’t work much, they don’t counsel anyone, and they go on a month-long sabbatical. Volunteers and lower paid staff take care of the rest.

This is typical too, because as a young evangelical I used to work at a church full-time but with part-time pay and no benefits. Pastor and his wife and kids all made huge salaries while us staff barely eked out a living, living under the mantra that we were building the kingdom. Christmas bonus one year was twenty bucks—Pastor’s birthday gift offering was $33,000. Spent it in Vegas, the city of sin. How ironic.

I can see why young people turn to communism and other punitive social movements to get their piece of the pie. Is it just? Absolutely not, but neither are the wages in so many of these situations. These owners bring it on themselves and yet drag a lot of good people down in the process and only enable losers with no talent in governments positions to take over.
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He’ll have to stand before God on judgment day, pray for him. James 3:1 My brethren, let not many be masters, knowing that we shall receive the greater condemnation.
 
Living in the south, I do wonder when life expectancy is going to plummet. I just got a job at a place and 95% of the employees are morbidly obese and clearly, visibly unhealthy. I'm constantly amazed at how resilient the human body is, but I can't expect many people 40 and under to even live to retirement or live long enough to have to deal with any health insurance issues for long.
 
I am glad in Australia our healthcare system is not as predatory as the American system.

Our government even rightfully fought back against Trump in the tariff wars. Australia currently makes pharmaceutical companies (including American ones) deal with the Australian government as the buyer when negotiating pricing/contracts for pharmaceuticals covered under the PBS (pharmaceutical benefits scheme) in Australia. This along with government subsidies helps ensure that prescription pharmaceutical products in Australia are affordable (for those who have medicare). Trump got angry and threatened retaliatory tariffs against Australia because we refused to let parasitical American pharmaceutical companies suck our blood.

Prescription pharmaceutical products are not Nike shoes. They are an essential product and need to remain affordable.
 
Many of America's healthcare cost woes stem from the goverments' stupid policies, regulations, and "Intellectual Property" laws. The biggest example I remember, Obamacare forcing Americans to get some form of health insurance regardless or else get penalized with tax penalties on federal taxes and some states taxes (usually blue states ironically) and then restricted health insurance company profit margins with penalties, which forces health insurance companies to purposely spend ridiculous amounts. Many healthcare institutions benefited and inflated their prices. Even after Trump and Supreme court neutered Obamacare, the price remains high and many still "need" health insurance. Many Americans are also brainwashed into buying health insurance even if they're wealthy enough handle the costs.
 
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I guess this is the most suitable thread in which to post this, but then, sub-Saharan Negro society never really functioned to begin with.

"African Time Explained by an African"

 
Cooper said:
Not necessarily California, as many other areas also have this problem today.

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This is old news and the tide has already shifted in the opposite direction. Real estate is local, so I can only speak for my area, but I’ve watched it like a hawk since 2019 and this is what I have observed:

*mid 2022 was the end of the hot market (for my area). Everything since has been a downhill slide since interest rates went up.

*Real numbers, same house:
2019- $260,000 mortgage, $52,000 down, 4.5% interest rate, $900 home insurance, $4800 property tax: $1530/month
2022: $535,000 mortgage, $52,000 down, 6.5% interest rate, $2000 home insurance, $7,200 property tax: $4170/month

*people are TAPPED OUT. Everyone just threw in the towel and accepted crazy high prices. I know people trying to sell for over a year and half in overpriced HOA neighborhoods and it’s not gonna happen. The amount of car notes that are $1000 a month, credit card debt and Affirm/Klarna debts, etc., are at all time highs. Many are/will find themselves underwater on their homes (definitely in my area) and this will, at the very least, obliterate their downpayment for a next home. It’s not uncommon to already see sellers listing homes for 30-60k less than what they paid in 2021-2022, and that’s before the 6% agent commission. The pool of buyers able and willing to finance homes at crazy payments is much smaller now.

*just looking at social media, in 2022-2024 there were tons of people building brand new homes or doing extensive renovations. I don’t see that same volume this year, not anywhere close

*amount of foreclosures and unfinished construction shells for sale has significantly increased. Lots of auctions active.

*I’m nosy and if a property has certain characteristics I’ll cross check the owners name in public or court records. Many people are getting sued by their credit card companies and selling homes due to general insolvency…. A lot put fantasy football/online gambling debts on credit. Yikes.

*A lot of people with student loan debt bought in 2021-2024. This pervasive feeling that loans would be forgiven, or at least that the old payment plans would be kept, 0% interest SAVE plan. These plans that let you pay $0 per month for 20 years are mostly gone, you will be paying a minimum of some kind, and for a $30k loan that’s like $300 a month. I already see people crying online that they have a mortgage, big car payment, and now their $100k student loan repayment is $1100/month. That’s a huge increase the average person is not prepared to absorb. The fiasco will really start in 2028 when everyone will be forcibly kicked off SAVE.

Outside of markets in the North East currently, any market that was hot the last couple years is going to see major price cuts coming up. People just need to be patient and clear up any debt they have and things will improve. There are soooooo many houses under 300k, even 250k now in areas where you couldn’t dream to find such prices even a year ago. Yes, location dependent, high insurance rates and flooding is a major problem, but this still applies to older homes with decent bones that have new roofs, not in flood zone, and just need cosmetic work.

It’s cheaper to buy a new construction McMansion right now than a used house. Many are under $300k with interest incentives. It’s also still pretty expensive to renovate, so older homes will continue to decrease in my opinion. Since it takes several years for permitting and plans, many huge developments are still in the process of being built.

Playing around with the payment tool on Zillow, homes will either have to decrease to 2019 prices or interest rates will have to be totally slashed for affordability to return. Unless you have a huge downpayment, it’s still cheaper to rent than buy, which is not sustainable. Huge companies like Invitation Homes paid cash for their properties, so they can continue to slash rents and private landlords, homeowners who are choosing to rent their houses out because they won’t sell, and mature AirBnBers are really gonna get screwed. You can’t cash flow most of these homes.

Prices will come down, but there will be much gnashing of teeth.
 


Same with Married with Kids, Al Bundy had a stay at home wife, 2 teenage kids and a decent house in Chicago on his salary as a shoe salesman. I went back and did the math using historical data (median home price in Chicago in 1990: $106k), and that was totally normal back then.
 
It's especially bad on the West Coast. Where I live in Oregon is around $500,000 for a small starter house. You're very fortunate to find a tiny studio apartment at $1500, and that's before utilities and other costs they love to add on. Gas prices are also terrible because of the communist state government. It's even worse in California and the Seattle area.

Even rural towns in the Pacific Northwest can have basic houses starting at $300-400,000. And the wages are pretty bad in towns like that.

We live in weird times.
 
The West coast has had an expensive housing market for at least 10 years, right? Must be desirable enough for some people to keep that up. I live in a boom & bust area, lots of transplants, and this cycle has happened for like 100 years, but people still think prices are never going to fall.

During 2022, could not find a house to rent for under 2300, 2500 was common. Just a regular house. Apartments were pretty close also. Now, lots under 2000/month, even down to 1400 with a 1 car garage. Not in a ghetto area, but working class. This was unheard of even 6 months ago.
 
TheLearningWife said:
*mid 2022 was the end of the hot market (for my area). Everything since has been a downhill slide since interest rates went up.
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Good post. I live in a few cities throughout the year. One of them is a very hot Real Estate market, at least in terms of it being a place where a big city is close and/or people are moving in. I'd say "hot" peaked in 2023 there. Now rents are coming down, prices of houses are coming down but only slightly (no one wants to give up the ghost of the post covid inflationary pricing nonsense), but people wanting to leave the annoying aspects of Real Estate is clear - some landlords are OK with it but many are increasingly annoyed.
TheLearningWife said:
*just looking at social media, in 2022-2024 there were tons of people building brand new homes or doing extensive renovations. I don’t see that same volume this year, not anywhere close
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That's correct.
TheLearningWife said:
A lot put fantasy football/online gambling debts on credit.
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I should do an entire channel on what to do if you don't want to lose your ass in sports betting, and what not to do might be the better title or application. I could be a pro sports bettor but don't gasp or hold your breath it isn't sexy, it takes a ton of time and the markets for it are both restrictive, exclusionary, and filing taxes as a "pro gambler" means big X on your back. To put it bluntly, it's not worth it, especially if you're any good at investing, where markets are liquid and taxes are beyond "better". Being a tout would be better, to be honest - but it's actually more fun to just be a really good bettor for entertainment, as I find it a challenge, fun and that most sports guys are blowhards (fairly low IQ too, or if not, massively outsized egos).

Tracking alone and not going to a brick and mortar where you win cash (in hand) and put down cash is a really stupid human trait, since you don't understand their game or human nature (credit can trap you and seem like fake money).
TheLearningWife said:
or interest rates will have to be totally slashed for affordability to return.
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In 2026 there will be lower rates, but equity markets will probably take a turn in the 2nd half of the year.
 
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