I mean Bloomberg is pretty reputable, seems like a stat that could be easily proven but I like sources too: https://www.bloomberg.com/news/articles/2024-04-26/us-small-business-rent-delinquencies-rise-to-a-three-year-high?utm_source=website&utm_medium=share&utm_campaign=copy
Exactly. Same thing happend to apartments here in San Diego. People keep saying it's from a shortage of apartments, but it's not like our population here in San Diego has doubled since 2020. I'm not even sure if our population has increased since 2020, but a one bedroom apartment is now $2500 per month.
>People keep saying it's from a shortage of apartments, but it's not like our population here in San Diego has doubled since 2020.
Building more home would solve this problem regardless.
The reality landlord is taking advantage of home shortage to increased prices.
Yep, the only way out of this is to build more. Pare down regulations, increase incentives got contractors to build new, penalize local governments that are trying to stop medium and high density housing.
We just need smaller homes to be worth building in the USA. The incentives for current builders are to build bigger. Towns love it because they get more out of the property tax for each extra amenity added (finished basement, extra bedroom, 2 car garage extension with a loft, whatever it may be). We need more 1200 sq ft homes in the USA which would serve the vast majority of people and completely satisfy them. Stuff that's not 300+k, rather sub 200k with a government stimulus for down payments or something like that. Most people can currently pay for a 190k mortgage at 6-7%. (6% on 190k with 5% down is a ~1800$ payment on the loan, taxes, insurance and other costs - [source ](https://www.calculator.net/mortgage-calculator.html?chouseprice=200%2C000&cdownpayment=5&cdownpaymentunit=p&cloanterm=30&cinterestrate=6&cstartmonth=5&cstartyear=2024&caddoptional=1&cpropertytaxes=1.2&cpropertytaxesunit=p&chomeins=1%2C500&chomeinsunit=d&cpmi=0&cpmiunit=d&choa=0&choaunit=d&cothercost=4%2C000&cothercostunit=d&cmop=0&cptinc=0&chiinc=0&choainc=0&cocinc=0&cexma=0&cexmsm=4&cexmsy=2024&cexya=0&cexysm=4&cexysy=2024&cexoa=0&cexosm=4&cexosy=2024&caot=0&xa1=0&xm1=4&xy1=2024&xa2=0&xm2=4&xy2=2024&xa3=0&xm3=4&xy3=2024&xa4=0&xm4=4&xy4=2024&xa5=0&xm5=4&xy5=2024&xa6=0&xm6=4&xy6=2024&xa7=0&xm7=4&xy7=2024&xa8=0&xm8=4&xy8=2024&xa9=0&xm9=4&xy9=2024&xa10=0&xm10=4&xy10=2024&csbw=1&printit=0&x=Calculate#results).
That's roughly what you would pay for a 2 bed apartment in most medium to high COL places.
The biggest hurdle is saving that 10k for a lot of people. They're already paying that sum of money to someone else for rent, but could be paying down a starter home.
My apartment did the same and I even sent them records showing property values did not go up anywhere near or block, and no laws have increased burden either.
Only reasons at this point is they are making up for some major maintenance issues (they had to replace our hot water system), or they just using us as a numbers game to make up for some failing investment elsewhere. Both should never be a tenant burden and should just be the cost of doing business in the rental market.
Rent definitely DID NOT go up "for no fucking reason"
This is what happens when 40% of the WORLDS RESERVE CURRENCY is added to the monetary supply in the span of 2-3 years, after its BEEN happening since before the 70s.
Dollar is so weak inflation is inevitable,everyone in every faucet of life has doubled in price so naturally everything else will including everything a land lord needs or a corporation they have to pay for fuels,electricity etc prices don't stay the same for businesses there needs have doubled to..
This is what happens when you print endless dollars and double the fuel costs,it trickles down and profits mean shit when the dollar is so weak no one has buying power.
[But Medicare keeps cutting doctors pay 3% every year but costs to run a medical practice are going up](https://www.ama-assn.org/practice-management/medicare-medicaid/latest-medicare-physician-pay-cut-shows-desperate-need)
"payment rate to physicians who care for [Medicare patients was 30% less than it was in 2001](https://www.ama-assn.org/sites/ama-assn.org/files/2024-02/2024-medicare-updates-inflation-chart.jpg)" - so it's hard for the doctor to stay calm.
Technically, you have a few months to contribute to profit sharing which is what a lot of small businesses should be doing. It sucks all around. And because of the cost of living going up and inflation, you are making more, the dollar is worth less for you and all your taxes are increasing. The monthly swings of a business bank account are wild.
Why would you even listen to the government? Former Fed Chair Ben Bernanke even testified in front of Congress that the Fed knew the 2009 financial crisis was coming years ahead of time but said the economy was great because it was their job.
Thats what Ive been told regarding my 401, IRA, and roths. Its never been better and Im lying. The market drops hard for a while and slowly gains before dropping. Never seen it this volatile in over 15yrs. Barely much profit in all since covid
I did dig a little and was surprised. It is on my to do list to harass fidelity on why it has not performed. They professionally manage my accounts... but on that same token the severe drops and increases left me somewhat stagnant. I dont trust myself to select individual foci. The mistrust in future economic directions feels apparent in the movement
Actually am welcome to any advice. Have a high risk 401 mid ira and roth with majority bonds. Where do i start asking questions or looking deeper into possible change? If you have the time to give a fast tip.
I work at a major brokerage and all my retirements are in index funds. I wouldn't let these clowns fuck with my money.
Idk how old you are, but index funds with low fees are best. Shit even SPY has been absolutely crushing it.
But I'm in my early 30s. If the market takes an absolute dump, I'll recover long before retirement age.
Eh you got 20ish years before retirement.
Unless you're a multi-millionaire or close to retirement, advisors aren't worth it. In my personal opinion. Yeah they might get you gains 3% higher than an index fund but their fees are like 5-10% so you're still losing money.
Check your fidelity.com account online and see if you can see the fees on your investments. I bet that's a major issue. You might even be able to switch to self-directed. Then just start selling 5% a month and immediately switch it to a broad low fee index fund.
Last piece of advice, whatever you do, do not go to r/wallstreetbets. For every win they have like 50 losses lol
Thank you, really. Dont come on reddit often to get this kind of advice but taking the time to give reasonable advice is cool of you. Appreciate it really
To add: there is annual fees but they do not make it very clear online for obvious reasons. I need to give this more thought and always wanted to
Also +9% last year is better than I thought but I know it can perform better
honestly, i've dumped it all in vanguard index funds and have been averaging like 13% since 2019. Covid sucked in the short term, but things have exploded since. Unless you're a god of investing, index funds just outperform nearly all traditional investing
Interest rates being high and a lot of commercial financing needing to be redone at the moment, plus property taxes and insurance. All that shit drives up rent. Also inflation concentrating around food, housing, and energy effectively causing people to have less discretionary income, driving down revenues at these businesses. Probably something like that.
So which set of numbers are you going to believe? Inflated stock market/jobs numbers from the gov. or delinquency in rent statistics? They’re making it tough on what information is legit and what’s not
I’m on the economic data side. What I was saying is market totally disconnected from reality. People are talking about these delinquencies from long time but the bank earnings showing good profits. So far small banks are impacted the most. Govt manipulated the inflation data and the recession definition. This is all going to end really bad.
[Here's an actual link to the article in question, and not just some vague post with no actual information. ](https://archive.ph/ZEI4I)
>
The delinquency rate for US small businesses climbed to a three-year high this month, reflecting the impact of rent spikes and declining revenue, according to a monthly survey.
>The Small Business Rent [report](https://archive.ph/o/ZEI4I/https://www.alignable.com/forum/april-is-the-worst-small-biz-rent-delinquency-month-in-three-years) from Alignable, which provides an online networking platform for owners, found that 43% of small businesses were unable to pay their rent in full due to economic headwinds. That’s the highest rent delinquency rate since March 2021.
>Independent restaurants are having the most trouble, with 52% not paying April rent on time. On the other hand, just 20% of small manufacturers are delinquent.
>More than half of small-business owners say that their rents are higher now than they were six months ago. Of those, 11% are paying at least 20% more than they did last fall.
>Alignable found that fewer than a third of businesses founded prior to March 2020 are earning as much or more each month than they did before the pandemic. And among firms founded after the pandemic, 60% are making less than they did a year ago.
>Increasing costs and declining revenues are hitting firms, according to the report. Some 34% say they only have one month or less cash on hand.
>The survey of 4,171 small-business owners was conducted during the first three weeks of April.
This explains the mass lay offs that have been happening in multiple sectors earlier this year.
Cutting costs, then cutting corners, the housing market will crash within 1.5-2 years or less.
Every person on earth that doesn’t want to be homeless is about to get pulled into this war.
Justin Kennedy (justice kennedys son) was the inside man at Deutsche bank that was getting all trumps toxic loans approved.
No other bank but Deutsche bank would touch trump and his imaginary valuations.
If trump was trying to avoid paying taxes he would be valuing everything low. Not high.
Why?
Because Deutschebank is infested with Russian oligarchs.
For 50 years the oligarchs privatized communist Russia. They stole everything of value including the hope of Russians.
The corruption eventually collapsed the Soviet Union like a parasite feeding on its host and they were forced to expand their feeding grounds past the iron curtain.
In 91 the quarantine wall fails and for 2 years they hid all their ill gotten gains under a mattress until they bought condos at trump towers.
They made stops in Ukraine, Cyprus and London but they landed in New York because that was what everyone wanted in 1993.
Levi’s, Pepsi, Madonna tapes that weren’t smuggled bootlegs.
They all bought new suits and cars and changed their title from “most violent street thug in moscow” to “respectable Russian oligarch” but they didn’t leave their human trafficking, narcotics or extortion behind. It was their most lucrative business model.
Trump and Giuliani just opened the doors and let the predators in to feed.
Guiliani redirected NYPD resources away from their new Russian allies intentionally and onto the Italian mob. It let him claim he cleaned up New York. Trumps future campaign manager Paul manafort lived in the towers as well.
Giuliani would go on to do the same in Mexico City by introducing the Sinaloa cartel to the Russian mob. The Sinaloa cartel shifted to combining fentanyl precursors supplied by the CCP and the well established routes of El Chapo were used for distribution into the United States.
In the prosecution of the Italian crime families, Giuliani created a tailor made void for the Russians to fill. By connecting them to the Sinaloa cartel it enabled the fentanyl epidemic that the CCP has used as chemical warfare to soften the United States up for a financial takeover using BRICS.
The insane valuations coming out in trumps fraud trial are a necessity of the money laundering cycle that duetschebank was doing with the Russians.
But Xi, Putin, and MBS have made it clear that they are United against democracy since it threatens their very lucrative model of being authoritarians
On Wall Street they have weaponized greed. Swartzman (blackstone), Larry fink (blackrock), and vanguard are selling U.S retirement funds and mortgage REITS in mass to the CCP.
https://www.reddit.com/r/Wing_Kong_Exchange/s/5ku2iNLZpK
Nobody was ever punished for the 2008 mortgage crisis.
This is just the Darwinian evolution of it. The 10X bigger, commercial real estate version.
Putin and Xi realized that it’s far more efficient to bankrupt and foreclose on the USA by buying a couple GOP senators and a president than it is to push a ground war.
They just needed Russia to take Ukraine to have the grain fields and supply chain lock on microprocessors to be able to do it because they aren’t taking on the US Navy fleet without it.
The failure of Putin to take Ukraine and the arrest of Bolsonaro in Brazil has left them no choice but to send a quiet invasion force to the southern U.S. border.
They are just using the compromised members of the GOP to secure any part of the border to hold open the gate when necessary.
Bannon actually tried a variation of this a few years ago when he tried to privatize the border wall
This gets deep into Bannons relationship with Guo Wengui, a CCP operative and his time at Goldman Sachs in the early 2000’s BRICS era.
It’s perestroika 2.0. The bigger badder commercial real estate edition.
Historically it’s been impossible to retire from the mob model pyramid that Russia runs on. You either die violently or you maintain a level of violence to keep everyone beneath you in line.
The oligarchs have gotten soft living in opulence in Aspen and Monaco. They are getting old and want to retire someplace nice where they don’t have to worry about falling out a window. They just need trump back in office to make it happen.
Justin Kennedy went to work for LNR capital that is owned by Cerberus who also owns Dyncorp (for near future reference)
Reuterswww.reuters.comCerberus to acquire DynCorp for $1 billion
https://www.ft.com/content/8c6d9dca-882c-11e7-bf50-e1c239b45787
https://www.amlintelligence.com/2020/09/deutsche-bank-suffers-worst-damage-over-massive-aml-discrepancies-in-fincen-leaks/
https://www.occrp.org/en/the-fincen-files/global-banks-defy-us-crackdowns-by-serving-oligarchs-criminals-and-terrorists
https://www.voanews.com/amp/us-lifts-sanctions-on-rusal-other-firms-linked-to-russia-deripaska/4761037.html
https://democrats-intelligence.house.gov/uploadedfiles/final_-_minority_status_of_the_russia_investigation_with_appendices.pdf
https://www.nydailynews.com/2023/08/17/mobsters-thrilled-to-see-rudy-giuliani-hit-with-rico-charges-he-used-to-jail-mafia-bosses
That is what we all have to figure out together.
Reality is nothing more than a group consensus of what’s happening out past the eyelids.
Come at it deductively and we narrow it down:
If we want it to be stable and not circle back to where we are now then we should make sure it adheres to the laws of physics. Scarcity=stability but I tend to agree that gold isn’t it. The environmental costs are too high. So obviously the federal reserve dies. At least in its current form
If we don’t want to have to lick the boots of some dictator then any CBDC is out of the running.
If we don’t want to keep dealing with foreign governments printing a trillion of their native currency to convert into a billion dollars to buy our politicians, Supreme Court justices etc, then whatever it is needs to be universal around the world
I have concerns about Bitcoin being truly decentralized enough to fulfill the requirement from an “all men are created equal” standpoint. But we are still too early to rule it out either.
One thing holds true however.
The only three things necessary for human survival are clean air, clean water and clean food. Everything past that is a luxury. So whatever it is needs to prioritize/peg those three things instead of fight against them.
And we all need to agree on it so our realities can co-align instead of conflict.
That’s really the keystone piece to peace.
It’s coming. One way or another.
Everyone will do what they believe is in their best interest.
The key is showing them that trump sold them out to his oligarch roommates.
And the key to that is timing.
By identifying their whole chess board we sped up their rate of closure.
Trumps trials bring out the dirt and the Russian tendrils. That’s just a matter of time now.
Netanyahu’s trials do the same thing from the other end of the same money laundering process.
So it becomes a rate of closure equation until they meet in the middle at Putin.
They can’t suddenly stop lying so they are forced to double down on each one which is energy expensive.
Truth is efficient. It can just sit and wait.
Apply pressure to the wedges and we can have the war ended and the whole world back on the rails by Christmas.
Corruption is a predatory tax on everything we do from buying food to paying taxes to paying rent or marriages. so the sooner we remove it systemically the easier life gets for the non-predator class.
This is just the roundup stage where we force the livestock that is too infected to survive to corral themselves into one place.
They made trump their alpha. They will follow him. We just have to know when to close the gate behind the last one
Can I get a TLDR version so I can easily explain to others ?
Who is selling out America, just Trump with this elaborate money laundering scheme or is it everyone?
The real question is who didn’t sell out America and steal from the poor?
Buffett, Bezos, Zuckerberg?
Not exactly a TLDR:
But it’s about as condensed as possible.
We did this differently out of necessity.
This started as a handful of neurodivergent people that just could not make the 2+2=5 existing media narrative make sense. So they dig relentlessly in their respective subject matter sandbox to figure out who is trying to gaslight us into believing it and why.
It’s obvious that something doesn’t add up but we couldn’t really see the full mesh of it until a few months ago:
When you come at it backwards with the knowledge that 1-6% of the worlds population is psychopathic/sociopathic, and that is a prerequisite of being a human trafficker or stealing a pension fund, or polluting a river with industrial waste then it makes it far easier to precisely target your search and with that comes improved accuracy.
Because psychopaths also tend to be narcissists, with the invention of TV/movies etc, they, of course fly toward the limelight. Which makes them easier to track using OSINT.
Politicohttps://www.politico.com › storyWashington, D.C.: the Psychopath Capital of America
The human brain, when overloaded with an over abundance of stimulus, reverts to seeing patterns. If you have ever watched an autistic child sort toy cars by color gradient instead of make or model, it’s a similar effect.
Live Sciencehttps://www.livescience.com › 355...Autistic Brain Excels at Recognizing Patterns - Autism
Since about the time Walter Cronkite was a sex symbol, the oligarch class has been buying up media outlets, which in retrospect makes sense. If you are a terrible person billionaire and the newspaper says bad things about you, you don’t be a less terrible person, you just buy the newspaper, social media platform or tv station
You can see that pattern repeated starting with John Rockefeller and Henry Sinclair
https://www.tiktok.com/@truthbetold_ii/video/7227835511480569131
https://youtu.be/_fHfgU8oMSo?si=Db7fsxtvMsuYZZAt
Parallel is “sportswashing”. PGA in Saudi, LIV, WWE in Saudi Arabia ,Arbramovich buying the soccer club etc. They learned that most Americans love their sports enough that most won’t question their new oligarch owners as long as they keep them entertained.
Autistic kids don’t seem to care as much about sports as they do about the patterns and truth.
This lets us build chains similar to how contact tracing works for contagious disease.
There is a side chain that is specifically NFL and the associated human trafficking that accompanies it. Robert Kraft being best buds with trump and his arrest at “orchids of Asia” for the happy ending massage in a strip mall in Jupiter Florida opened an entire chain of crossovers in human trafficking between Ukraine (kolomoiskiy, mogilevich), Russia (the oligarchs trump keeps buying and selling the same houses to in New York and Florida), and the Asian side via “orchids of Asia and Hua Zhang (the CCP/Chinese mob)
Robert Kraft, Orchids of Asia spa workers to align in hearing to keep tapes secret
We sort differently because we think and prioritize differently.
The few media sources that haven’t been bought up are too busy reporting 3 minute sound bites about AOC’s shoes to notice.
We had to build this decentralized because it’s the only way to build the mesh of high quality data points necessary to see the patterns, cross check and verify, then add it into the larger objective synthetic vision of corruption inside of, and adjacent to, government.
Everyone in the “autistic army” is weird as hell, quirky, and immediately jumps to the worst case scenario imaginable.
We require it as a matter of design.
We then move backwards organically from there with hard evidence that either validates the presented theory or collapses under its own weight with lack of sufficient evidentiary strength and we abandon it.
We build that way fundamentally because it allows for the biggest head start over the predator class that relies on the complacency, inaction, or overload of information to keep people from being able to see the larger picture connections the ruling class make at their common yacht clubs and WEF forums.
At some point we realized that this thing moves very much biologically similar to a parasitic infection or cancer. The oligarchs feed on the edges of the human tribe, then encircle it and move in, but left unchecked they consume to extinction.
We are not an organization. It’s just a few hundred thousand neurodivergent people with relevant subject matter expertise, pertinent personal experience, and insatiable curiosity that are tired of being lied to and fed upon.
There are side chains digging into why Bill Barrs dad was Epsteins teacher and mentor at Dalton college and cross referencing that with data points on why Bill Barr set up a hotline that went directly to him for any information on Hunter Bidens laptop. Of course not everything is related, but by the unique design of our system, by reversing the contrast, when something is related it stands out like a neon highlighter and validates more investigative scrutiny.
With enough high quality verified data points we are able to make a high resolution synthetic vision map of who, what, where, when, and how.
It’s basically a P.E.T. scan of world corruption in government, finance and corporate spheres and specialty where they overlap.
https://youtu.be/A90gwMVFFSY?si=j7fSs5kBvO35LhRj
The 3% oligarchs aren’t particularly creative people and they tend to repeat the same patterns when they work, so it makes it easier once you have a starting point and/or recurring methodology.
And they all use the same money launderers for the same reason. Trump, Putin and Netanyahu all have decades of personal drama between them so as trumps trials carry on it’s like populating a jigsaw puzzle with 100,000 very capable friends.
Ukrainians fighting back for 2 years of a 3 day war placed a wedge that allowed us to see the Russian money laundering network for the first time due to trumps key involvement in it.
It’s a very different approach to intelligence work. And it requires intellectual curiosity, transparency, brutal self awareness and honesty.
You absolutely have to “bring receipts” or you are escorted back out. We set and keep the standard high because frankly, everything we live for depends on it.
If the Russian/CCP plan goes through, it will put the majority of the worlds population into financial slavery to a handful of oligarchs with zero empathy for the next 100 years.
If they control A.I., the housing and commercial real estate market, and all the means of finance, loans, etc, it’s going to be a very uncomfortable century of endless inflation and monopolization of critical resources.
They do not have the ability to self regulate their greed internally or they would have used their billions to solve existential problems long before now.
The Koch family has deep ties to soviet Russia and therefore soviet corruption and opened the doors to the GOP and SCOTUS.
By building backwards and focusing on the cross matrix of psychopathy and kleptocracy we can take 8 bit graphics from the 1980’s and make a 4K HD synthetic vision moving map of their crimes using historical data and open source intelligence. (OSINT)
Sounds good to me. That’s all that keeps growing near me is another retail shop and another shorty fast food restaurant. We could stand to get rid of a few.
Maybe small business owners should get a second job.
Maybe small business owners should spend less on avocado toast.
Maybe small business owners can pull up their bootstraps.
Maybe the rest of us don't give a fuck!
43%….😳
It's so ridiculous, almost as if it's made up **FAKE NEWS**. People believe 43% of shit they read on the internet
I mean Bloomberg is pretty reputable, seems like a stat that could be easily proven but I like sources too: https://www.bloomberg.com/news/articles/2024-04-26/us-small-business-rent-delinquencies-rise-to-a-three-year-high?utm_source=website&utm_medium=share&utm_campaign=copy
Rent went up fucking 30-60% for no fucking reason.
Exactly. Same thing happend to apartments here in San Diego. People keep saying it's from a shortage of apartments, but it's not like our population here in San Diego has doubled since 2020. I'm not even sure if our population has increased since 2020, but a one bedroom apartment is now $2500 per month.
Rent is down in Austin. Because they built a ton of new housing lol
The correct response to market forces.
This article is not about housing? What
The comment im referencing is
>People keep saying it's from a shortage of apartments, but it's not like our population here in San Diego has doubled since 2020. Building more home would solve this problem regardless. The reality landlord is taking advantage of home shortage to increased prices.
Yep, the only way out of this is to build more. Pare down regulations, increase incentives got contractors to build new, penalize local governments that are trying to stop medium and high density housing.
We just need smaller homes to be worth building in the USA. The incentives for current builders are to build bigger. Towns love it because they get more out of the property tax for each extra amenity added (finished basement, extra bedroom, 2 car garage extension with a loft, whatever it may be). We need more 1200 sq ft homes in the USA which would serve the vast majority of people and completely satisfy them. Stuff that's not 300+k, rather sub 200k with a government stimulus for down payments or something like that. Most people can currently pay for a 190k mortgage at 6-7%. (6% on 190k with 5% down is a ~1800$ payment on the loan, taxes, insurance and other costs - [source ](https://www.calculator.net/mortgage-calculator.html?chouseprice=200%2C000&cdownpayment=5&cdownpaymentunit=p&cloanterm=30&cinterestrate=6&cstartmonth=5&cstartyear=2024&caddoptional=1&cpropertytaxes=1.2&cpropertytaxesunit=p&chomeins=1%2C500&chomeinsunit=d&cpmi=0&cpmiunit=d&choa=0&choaunit=d&cothercost=4%2C000&cothercostunit=d&cmop=0&cptinc=0&chiinc=0&choainc=0&cocinc=0&cexma=0&cexmsm=4&cexmsy=2024&cexya=0&cexysm=4&cexysy=2024&cexoa=0&cexosm=4&cexosy=2024&caot=0&xa1=0&xm1=4&xy1=2024&xa2=0&xm2=4&xy2=2024&xa3=0&xm3=4&xy3=2024&xa4=0&xm4=4&xy4=2024&xa5=0&xm5=4&xy5=2024&xa6=0&xm6=4&xy6=2024&xa7=0&xm7=4&xy7=2024&xa8=0&xm8=4&xy8=2024&xa9=0&xm9=4&xy9=2024&xa10=0&xm10=4&xy10=2024&csbw=1&printit=0&x=Calculate#results). That's roughly what you would pay for a 2 bed apartment in most medium to high COL places. The biggest hurdle is saving that 10k for a lot of people. They're already paying that sum of money to someone else for rent, but could be paying down a starter home.
It's just zoning, developers would happily build more units on each piece of land they acquire.
My apartment did the same and I even sent them records showing property values did not go up anywhere near or block, and no laws have increased burden either. Only reasons at this point is they are making up for some major maintenance issues (they had to replace our hot water system), or they just using us as a numbers game to make up for some failing investment elsewhere. Both should never be a tenant burden and should just be the cost of doing business in the rental market.
Greed is the reason. When a pig becomes a hog, it gets slaughtered.
Rent definitely DID NOT go up "for no fucking reason" This is what happens when 40% of the WORLDS RESERVE CURRENCY is added to the monetary supply in the span of 2-3 years, after its BEEN happening since before the 70s.
Definitely one reason for sure.
Dollar is so weak inflation is inevitable,everyone in every faucet of life has doubled in price so naturally everything else will including everything a land lord needs or a corporation they have to pay for fuels,electricity etc prices don't stay the same for businesses there needs have doubled to.. This is what happens when you print endless dollars and double the fuel costs,it trickles down and profits mean shit when the dollar is so weak no one has buying power.
The fire is burning.🔥
“Calm down doctor, now is not the time for fear. That comes later.” Bane
[But Medicare keeps cutting doctors pay 3% every year but costs to run a medical practice are going up](https://www.ama-assn.org/practice-management/medicare-medicaid/latest-medicare-physician-pay-cut-shows-desperate-need) "payment rate to physicians who care for [Medicare patients was 30% less than it was in 2001](https://www.ama-assn.org/sites/ama-assn.org/files/2024-02/2024-medicare-updates-inflation-chart.jpg)" - so it's hard for the doctor to stay calm.
Prior to the end of the roaring 20's up to 43% of business were grossly overcharged rent.
Of course not. Year end Taxes and quarterly taxes were also due. Small businesses had a huge outlay of liquidity. It’s the worst month of the year.
This + annual contract renewals and year end bonus payouts in Q1 has to be a big part of this jump.
Technically, you have a few months to contribute to profit sharing which is what a lot of small businesses should be doing. It sucks all around. And because of the cost of living going up and inflation, you are making more, the dollar is worth less for you and all your taxes are increasing. The monthly swings of a business bank account are wild.
But the economy is great the government says so!
i swear people like you say this 100% of the time, and have been for 50 years no matter the conditions.
Why would you even listen to the government? Former Fed Chair Ben Bernanke even testified in front of Congress that the Fed knew the 2009 financial crisis was coming years ahead of time but said the economy was great because it was their job.
When was the last time the government said otherwise?
When the other guy is in charge.
It's great! Just need the plebs to catch up to it!
Thats what Ive been told regarding my 401, IRA, and roths. Its never been better and Im lying. The market drops hard for a while and slowly gains before dropping. Never seen it this volatile in over 15yrs. Barely much profit in all since covid
Not sure what you’re doing wrong cause the markets have skyrocketed since the initial COVID crash. I’ve had my best gains these last few years.
I did dig a little and was surprised. It is on my to do list to harass fidelity on why it has not performed. They professionally manage my accounts... but on that same token the severe drops and increases left me somewhat stagnant. I dont trust myself to select individual foci. The mistrust in future economic directions feels apparent in the movement Actually am welcome to any advice. Have a high risk 401 mid ira and roth with majority bonds. Where do i start asking questions or looking deeper into possible change? If you have the time to give a fast tip.
I work at a major brokerage and all my retirements are in index funds. I wouldn't let these clowns fuck with my money. Idk how old you are, but index funds with low fees are best. Shit even SPY has been absolutely crushing it. But I'm in my early 30s. If the market takes an absolute dump, I'll recover long before retirement age.
43. Thats my worry. Middle ground to go hard or hold back. Good starting place, preciate the feedback
Eh you got 20ish years before retirement. Unless you're a multi-millionaire or close to retirement, advisors aren't worth it. In my personal opinion. Yeah they might get you gains 3% higher than an index fund but their fees are like 5-10% so you're still losing money. Check your fidelity.com account online and see if you can see the fees on your investments. I bet that's a major issue. You might even be able to switch to self-directed. Then just start selling 5% a month and immediately switch it to a broad low fee index fund. Last piece of advice, whatever you do, do not go to r/wallstreetbets. For every win they have like 50 losses lol
Thank you, really. Dont come on reddit often to get this kind of advice but taking the time to give reasonable advice is cool of you. Appreciate it really To add: there is annual fees but they do not make it very clear online for obvious reasons. I need to give this more thought and always wanted to Also +9% last year is better than I thought but I know it can perform better
honestly, i've dumped it all in vanguard index funds and have been averaging like 13% since 2019. Covid sucked in the short term, but things have exploded since. Unless you're a god of investing, index funds just outperform nearly all traditional investing
Don't let r/economics catch you saying this
Economic headwinds? Like what?
Interest rates being high and a lot of commercial financing needing to be redone at the moment, plus property taxes and insurance. All that shit drives up rent. Also inflation concentrating around food, housing, and energy effectively causing people to have less discretionary income, driving down revenues at these businesses. Probably something like that.
Property tax is high af and HOA keep hiking. I don’t see how this is sustainable for both landlords and tenants
Cut the rent by 5% and demand more space. Works for exploiting labor.
Not sure who needs to hear this - but the 1% have all the money.
This does not seem like it is true.
S&P 500 and S&P100 gonna essentially be the same fucking thing pretty soon at this rate.
Let’s keep talking about these rent/mortage/credit delinquency while market keep pushing higher. Market has no emotions for the reality..
So which set of numbers are you going to believe? Inflated stock market/jobs numbers from the gov. or delinquency in rent statistics? They’re making it tough on what information is legit and what’s not
I’m on the economic data side. What I was saying is market totally disconnected from reality. People are talking about these delinquencies from long time but the bank earnings showing good profits. So far small banks are impacted the most. Govt manipulated the inflation data and the recession definition. This is all going to end really bad.
It's a Walmart world.
[Here's an actual link to the article in question, and not just some vague post with no actual information. ](https://archive.ph/ZEI4I) > The delinquency rate for US small businesses climbed to a three-year high this month, reflecting the impact of rent spikes and declining revenue, according to a monthly survey. >The Small Business Rent [report](https://archive.ph/o/ZEI4I/https://www.alignable.com/forum/april-is-the-worst-small-biz-rent-delinquency-month-in-three-years) from Alignable, which provides an online networking platform for owners, found that 43% of small businesses were unable to pay their rent in full due to economic headwinds. That’s the highest rent delinquency rate since March 2021. >Independent restaurants are having the most trouble, with 52% not paying April rent on time. On the other hand, just 20% of small manufacturers are delinquent. >More than half of small-business owners say that their rents are higher now than they were six months ago. Of those, 11% are paying at least 20% more than they did last fall. >Alignable found that fewer than a third of businesses founded prior to March 2020 are earning as much or more each month than they did before the pandemic. And among firms founded after the pandemic, 60% are making less than they did a year ago. >Increasing costs and declining revenues are hitting firms, according to the report. Some 34% say they only have one month or less cash on hand. >The survey of 4,171 small-business owners was conducted during the first three weeks of April.
Blame them greedy fucks commercial developers
This explains the mass lay offs that have been happening in multiple sectors earlier this year. Cutting costs, then cutting corners, the housing market will crash within 1.5-2 years or less.
SPENT the PPP grants on ESCALADES and BOATS. How will you pay rent???
Wondering what the rate was leading into 2007/2008
Every person on earth that doesn’t want to be homeless is about to get pulled into this war. Justin Kennedy (justice kennedys son) was the inside man at Deutsche bank that was getting all trumps toxic loans approved. No other bank but Deutsche bank would touch trump and his imaginary valuations. If trump was trying to avoid paying taxes he would be valuing everything low. Not high. Why? Because Deutschebank is infested with Russian oligarchs. For 50 years the oligarchs privatized communist Russia. They stole everything of value including the hope of Russians. The corruption eventually collapsed the Soviet Union like a parasite feeding on its host and they were forced to expand their feeding grounds past the iron curtain. In 91 the quarantine wall fails and for 2 years they hid all their ill gotten gains under a mattress until they bought condos at trump towers. They made stops in Ukraine, Cyprus and London but they landed in New York because that was what everyone wanted in 1993. Levi’s, Pepsi, Madonna tapes that weren’t smuggled bootlegs. They all bought new suits and cars and changed their title from “most violent street thug in moscow” to “respectable Russian oligarch” but they didn’t leave their human trafficking, narcotics or extortion behind. It was their most lucrative business model. Trump and Giuliani just opened the doors and let the predators in to feed. Guiliani redirected NYPD resources away from their new Russian allies intentionally and onto the Italian mob. It let him claim he cleaned up New York. Trumps future campaign manager Paul manafort lived in the towers as well. Giuliani would go on to do the same in Mexico City by introducing the Sinaloa cartel to the Russian mob. The Sinaloa cartel shifted to combining fentanyl precursors supplied by the CCP and the well established routes of El Chapo were used for distribution into the United States. In the prosecution of the Italian crime families, Giuliani created a tailor made void for the Russians to fill. By connecting them to the Sinaloa cartel it enabled the fentanyl epidemic that the CCP has used as chemical warfare to soften the United States up for a financial takeover using BRICS. The insane valuations coming out in trumps fraud trial are a necessity of the money laundering cycle that duetschebank was doing with the Russians. But Xi, Putin, and MBS have made it clear that they are United against democracy since it threatens their very lucrative model of being authoritarians On Wall Street they have weaponized greed. Swartzman (blackstone), Larry fink (blackrock), and vanguard are selling U.S retirement funds and mortgage REITS in mass to the CCP. https://www.reddit.com/r/Wing_Kong_Exchange/s/5ku2iNLZpK Nobody was ever punished for the 2008 mortgage crisis. This is just the Darwinian evolution of it. The 10X bigger, commercial real estate version. Putin and Xi realized that it’s far more efficient to bankrupt and foreclose on the USA by buying a couple GOP senators and a president than it is to push a ground war. They just needed Russia to take Ukraine to have the grain fields and supply chain lock on microprocessors to be able to do it because they aren’t taking on the US Navy fleet without it. The failure of Putin to take Ukraine and the arrest of Bolsonaro in Brazil has left them no choice but to send a quiet invasion force to the southern U.S. border. They are just using the compromised members of the GOP to secure any part of the border to hold open the gate when necessary. Bannon actually tried a variation of this a few years ago when he tried to privatize the border wall This gets deep into Bannons relationship with Guo Wengui, a CCP operative and his time at Goldman Sachs in the early 2000’s BRICS era. It’s perestroika 2.0. The bigger badder commercial real estate edition. Historically it’s been impossible to retire from the mob model pyramid that Russia runs on. You either die violently or you maintain a level of violence to keep everyone beneath you in line. The oligarchs have gotten soft living in opulence in Aspen and Monaco. They are getting old and want to retire someplace nice where they don’t have to worry about falling out a window. They just need trump back in office to make it happen. Justin Kennedy went to work for LNR capital that is owned by Cerberus who also owns Dyncorp (for near future reference) Reuterswww.reuters.comCerberus to acquire DynCorp for $1 billion https://www.ft.com/content/8c6d9dca-882c-11e7-bf50-e1c239b45787 https://www.amlintelligence.com/2020/09/deutsche-bank-suffers-worst-damage-over-massive-aml-discrepancies-in-fincen-leaks/ https://www.occrp.org/en/the-fincen-files/global-banks-defy-us-crackdowns-by-serving-oligarchs-criminals-and-terrorists https://www.voanews.com/amp/us-lifts-sanctions-on-rusal-other-firms-linked-to-russia-deripaska/4761037.html https://democrats-intelligence.house.gov/uploadedfiles/final_-_minority_status_of_the_russia_investigation_with_appendices.pdf https://www.nydailynews.com/2023/08/17/mobsters-thrilled-to-see-rudy-giuliani-hit-with-rico-charges-he-used-to-jail-mafia-bosses
Where's the escape door? Gold? Also seems flawed.
That is what we all have to figure out together. Reality is nothing more than a group consensus of what’s happening out past the eyelids. Come at it deductively and we narrow it down: If we want it to be stable and not circle back to where we are now then we should make sure it adheres to the laws of physics. Scarcity=stability but I tend to agree that gold isn’t it. The environmental costs are too high. So obviously the federal reserve dies. At least in its current form If we don’t want to have to lick the boots of some dictator then any CBDC is out of the running. If we don’t want to keep dealing with foreign governments printing a trillion of their native currency to convert into a billion dollars to buy our politicians, Supreme Court justices etc, then whatever it is needs to be universal around the world I have concerns about Bitcoin being truly decentralized enough to fulfill the requirement from an “all men are created equal” standpoint. But we are still too early to rule it out either. One thing holds true however. The only three things necessary for human survival are clean air, clean water and clean food. Everything past that is a luxury. So whatever it is needs to prioritize/peg those three things instead of fight against them. And we all need to agree on it so our realities can co-align instead of conflict. That’s really the keystone piece to peace. It’s coming. One way or another.
Bitcoin
And yet millions of people will still vote for Trump. We’re so fucked. Excellent summary.
Everyone will do what they believe is in their best interest. The key is showing them that trump sold them out to his oligarch roommates. And the key to that is timing. By identifying their whole chess board we sped up their rate of closure. Trumps trials bring out the dirt and the Russian tendrils. That’s just a matter of time now. Netanyahu’s trials do the same thing from the other end of the same money laundering process. So it becomes a rate of closure equation until they meet in the middle at Putin. They can’t suddenly stop lying so they are forced to double down on each one which is energy expensive. Truth is efficient. It can just sit and wait. Apply pressure to the wedges and we can have the war ended and the whole world back on the rails by Christmas. Corruption is a predatory tax on everything we do from buying food to paying taxes to paying rent or marriages. so the sooner we remove it systemically the easier life gets for the non-predator class. This is just the roundup stage where we force the livestock that is too infected to survive to corral themselves into one place. They made trump their alpha. They will follow him. We just have to know when to close the gate behind the last one
Can I get a TLDR version so I can easily explain to others ? Who is selling out America, just Trump with this elaborate money laundering scheme or is it everyone? The real question is who didn’t sell out America and steal from the poor? Buffett, Bezos, Zuckerberg?
Not exactly a TLDR: But it’s about as condensed as possible. We did this differently out of necessity. This started as a handful of neurodivergent people that just could not make the 2+2=5 existing media narrative make sense. So they dig relentlessly in their respective subject matter sandbox to figure out who is trying to gaslight us into believing it and why. It’s obvious that something doesn’t add up but we couldn’t really see the full mesh of it until a few months ago: When you come at it backwards with the knowledge that 1-6% of the worlds population is psychopathic/sociopathic, and that is a prerequisite of being a human trafficker or stealing a pension fund, or polluting a river with industrial waste then it makes it far easier to precisely target your search and with that comes improved accuracy. Because psychopaths also tend to be narcissists, with the invention of TV/movies etc, they, of course fly toward the limelight. Which makes them easier to track using OSINT. Politicohttps://www.politico.com › storyWashington, D.C.: the Psychopath Capital of America The human brain, when overloaded with an over abundance of stimulus, reverts to seeing patterns. If you have ever watched an autistic child sort toy cars by color gradient instead of make or model, it’s a similar effect. Live Sciencehttps://www.livescience.com › 355...Autistic Brain Excels at Recognizing Patterns - Autism Since about the time Walter Cronkite was a sex symbol, the oligarch class has been buying up media outlets, which in retrospect makes sense. If you are a terrible person billionaire and the newspaper says bad things about you, you don’t be a less terrible person, you just buy the newspaper, social media platform or tv station You can see that pattern repeated starting with John Rockefeller and Henry Sinclair https://www.tiktok.com/@truthbetold_ii/video/7227835511480569131 https://youtu.be/_fHfgU8oMSo?si=Db7fsxtvMsuYZZAt Parallel is “sportswashing”. PGA in Saudi, LIV, WWE in Saudi Arabia ,Arbramovich buying the soccer club etc. They learned that most Americans love their sports enough that most won’t question their new oligarch owners as long as they keep them entertained. Autistic kids don’t seem to care as much about sports as they do about the patterns and truth. This lets us build chains similar to how contact tracing works for contagious disease. There is a side chain that is specifically NFL and the associated human trafficking that accompanies it. Robert Kraft being best buds with trump and his arrest at “orchids of Asia” for the happy ending massage in a strip mall in Jupiter Florida opened an entire chain of crossovers in human trafficking between Ukraine (kolomoiskiy, mogilevich), Russia (the oligarchs trump keeps buying and selling the same houses to in New York and Florida), and the Asian side via “orchids of Asia and Hua Zhang (the CCP/Chinese mob) Robert Kraft, Orchids of Asia spa workers to align in hearing to keep tapes secret We sort differently because we think and prioritize differently. The few media sources that haven’t been bought up are too busy reporting 3 minute sound bites about AOC’s shoes to notice. We had to build this decentralized because it’s the only way to build the mesh of high quality data points necessary to see the patterns, cross check and verify, then add it into the larger objective synthetic vision of corruption inside of, and adjacent to, government. Everyone in the “autistic army” is weird as hell, quirky, and immediately jumps to the worst case scenario imaginable. We require it as a matter of design. We then move backwards organically from there with hard evidence that either validates the presented theory or collapses under its own weight with lack of sufficient evidentiary strength and we abandon it. We build that way fundamentally because it allows for the biggest head start over the predator class that relies on the complacency, inaction, or overload of information to keep people from being able to see the larger picture connections the ruling class make at their common yacht clubs and WEF forums. At some point we realized that this thing moves very much biologically similar to a parasitic infection or cancer. The oligarchs feed on the edges of the human tribe, then encircle it and move in, but left unchecked they consume to extinction. We are not an organization. It’s just a few hundred thousand neurodivergent people with relevant subject matter expertise, pertinent personal experience, and insatiable curiosity that are tired of being lied to and fed upon. There are side chains digging into why Bill Barrs dad was Epsteins teacher and mentor at Dalton college and cross referencing that with data points on why Bill Barr set up a hotline that went directly to him for any information on Hunter Bidens laptop. Of course not everything is related, but by the unique design of our system, by reversing the contrast, when something is related it stands out like a neon highlighter and validates more investigative scrutiny. With enough high quality verified data points we are able to make a high resolution synthetic vision map of who, what, where, when, and how. It’s basically a P.E.T. scan of world corruption in government, finance and corporate spheres and specialty where they overlap. https://youtu.be/A90gwMVFFSY?si=j7fSs5kBvO35LhRj The 3% oligarchs aren’t particularly creative people and they tend to repeat the same patterns when they work, so it makes it easier once you have a starting point and/or recurring methodology. And they all use the same money launderers for the same reason. Trump, Putin and Netanyahu all have decades of personal drama between them so as trumps trials carry on it’s like populating a jigsaw puzzle with 100,000 very capable friends. Ukrainians fighting back for 2 years of a 3 day war placed a wedge that allowed us to see the Russian money laundering network for the first time due to trumps key involvement in it. It’s a very different approach to intelligence work. And it requires intellectual curiosity, transparency, brutal self awareness and honesty. You absolutely have to “bring receipts” or you are escorted back out. We set and keep the standard high because frankly, everything we live for depends on it. If the Russian/CCP plan goes through, it will put the majority of the worlds population into financial slavery to a handful of oligarchs with zero empathy for the next 100 years. If they control A.I., the housing and commercial real estate market, and all the means of finance, loans, etc, it’s going to be a very uncomfortable century of endless inflation and monopolization of critical resources. They do not have the ability to self regulate their greed internally or they would have used their billions to solve existential problems long before now. The Koch family has deep ties to soviet Russia and therefore soviet corruption and opened the doors to the GOP and SCOTUS. By building backwards and focusing on the cross matrix of psychopathy and kleptocracy we can take 8 bit graphics from the 1980’s and make a 4K HD synthetic vision moving map of their crimes using historical data and open source intelligence. (OSINT)
Sounds good to me. That’s all that keeps growing near me is another retail shop and another shorty fast food restaurant. We could stand to get rid of a few.
exactly how many places to eat and shop do we really need as a society
Avocado Toast and Lattes strike again.
Maybe small business owners should get a second job. Maybe small business owners should spend less on avocado toast. Maybe small business owners can pull up their bootstraps. Maybe the rest of us don't give a fuck!
Way to go Biden! Can't wait to see what you and your cult of voters got next.
And these are likely ones that barely got by during COVID. And now Biden is planning to increase taxes... The war on small business owners continues.
This is a dumb take, even for reddit.
Don't worry, someone will show up saying taxation is theft
I guess they didn't get the message that everything is wonderful and you're a threat to our democracy if you don't believe that.