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GummiRaccoon

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#1 GummiRaccoon
Member since 2003 • 13799 Posts
@lundy86_4 said:

So probably late 2019 or 2020. Cyberpunk has had such raving previews that I can wait.

I'm of the opinion that they've been targeting 2020 the entire time because the game 2077 is based on is called Cyberpunk 2020.

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#2 GummiRaccoon
Member since 2003 • 13799 Posts
@theone86 said:
@todddow said:

Just some food for thought. Our first starter house was within a middle size Midwestern city limits and was built post WWI, we bought it in the early 2000's. We lived next to an elderly couple that built their house after the gentleman came home after WWII and they owned it outright by the time we moved in. They were on a limited income getting up in age. Every year, our property taxes kept going up and up. The elderly couple had more and more problems trying to hang onto a house that had owned outright for decades. The school district kept raises taxes and they had just enough votes to keep raises taxes. It finally got to the point that for us finally having kids about to enter school, we could move it to a suburban district and pay less taxes for better schools. The city schools had one of the highest tax rates in the area and the lowest scores and were in the lowest possible category for school ratings. The ironic thing was, people thought the answer was to keep throwing more money at the problem. It wasn't. The problem wasn't the money, it was a large number of crappy parents raising kids that had zero interest in their education.

I just tell that to say, maybe money isn't always the problem and taking money from people always the "solution".

That's maybe half the story. Studies find that putting more money into schools doesn't have a significant effect on performance, but AFTER a certain threshold has been reached. Schools that fall below that threshold have problems in achievement that correlate pretty significantly with funding. I know in my area there are a lot of poor-performing schools that could really benefit from increased funding.

I'll also say about the elderly couple being forced out, that's not a bug it's a feature. And I'm not saying that from the perspective of my solution, I'm saying it from the perspective of the way the system functions currently. If we fund schools with property taxes then obviously every homeowner is contributing to education, regardless of whether or not they have children. Living in an area with high taxes due to schools, then, signals a desire or at least a willingness to shoulder the cost of education for children in your district. If you don't want to shoulder that cost, then move. That's market logic at work. Personally, I'm all for doing away with local funding for schools and just finding a way to work it into the federal tax system. One of the benefits of doing so is that it wouldn't put a burden on people who can't afford to fund education but don't want to move. I really don't see a lot of political will for that, though.

@GummiRaccoon said:

1) Revoke prop 13, it basically murdered the entire california housing market.

2) Stop letting NIMBYs prevent new housing from being built.

Well that would make sense, so obviously it won't happen. I will also say that although this can have some effect on home prices, it doesn't help with gentrification. In my area especially all of the new development is high-end, which ends up forcing current residents out and keeping the area too expensive for lower-income residents to move in. Part of what I like about my proposal is that tax breaks can be targeted towards the development of low-cost housing in order to ensure a healthy mix of income levels. Of course, this can already be done to some extent, but again, that would make sense.

Gentrification wouldn't even be a thing if places like the bay area built housing at the rate that people move to the area. If you look at San Francisco and Oakland it's nearly impossible to build new buildings, I just watched a board of supervisors meeting in SF that had them postpone development of a 70+ unit apartment building because they wanted to do a study as to whether the decrepit laundromat was a historic building.

Most of San Francisco is height restricted to 65 feet despite the fact that the market would demand taller buildings. Since it is so hard to build in SF, people are now renting out front rooms, splitting bedrooms, and other crazy adaptations, also spilling over into the east bay. Clearly there is demand for small affordable housing units but the zoning laws essentially prevent matchbook apartments from being built.

Now there is also a CA bill that is getting a lot of push back from local politicians that would override local zoning laws within a certain distance from major transit hubs, this should really alleviate the housing squeeze as well as encourage people to live closer to public transit and get a lot of the cars off the road, which is another huge problem in California.

https://www.vox.com/cities-and-urbanism/2018/2/23/17011154/sb827-california-housing-crisis

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#3  Edited By GummiRaccoon
Member since 2003 • 13799 Posts
@theone86 said:

So I was reading an article earlier about how everyone in the Bay Area wants to leave, and I thought to myself "well, not enough to actually move, apparently." Then I started wondering about what it would take to get them to move and if it would relieve the housing problem in that area and it hit me: raise property taxes in areas with insufficient housing supply. You drive up the cost to live there, it drives people out, evens out supply, and stabilizes prices. I did a quick search to see if people had discussed this idea much and found surprisingly little on the subject. Based on what I could find, here's a short rundown of the pros and cons as I see them.

Pros:

  1. Increases housing supply without a large investment. The most common solution to the housing crisis as it stands is to increase supply, but there are several problems with that approach. One of the largest is that supply has had historically weak correlation with rent prices, if any. There was a boom in home-building in the 80s, for example, while rent prices continued to climb. The other problem is that investment doesn't always move quickly enough to meet demand. Investment only gets going once demand starts to ratchet up, and once demand starts to ratchet up you're already on your way to a crisis. By the time the original investment is completed demand is now higher, requiring more investment. This idea frees up houses without construction or investment, thus making the effects more immediate.
  2. Directly addresses wealth disparity. Home ownership is one of the largest sources of wealth in the country, and the disparity in home values one of the largest drivers of wealth inequality. This idea would have the effect of lessening inequality by driving owners of valuable homes to sell and move to areas with lower taxes. This would then drive up the value of distressed areas and encourage more investment. More importantly, it would address the segregation between wealthy and non-wealthy and draw increased attention to the issues plaguing impoverished areas, such as a lack of services. This could even be sold as a method of paying reparations, as it would artificially increase the value of homes in many black areas. Property ownership, which has historically been used as a tool against black Americans, can be put to use as a tool reversing some of those wrongs.
  3. Begins to address educational inequality. One of the biggest problems in American education is that it is funded by property taxes, essentially segregating students into well-funded and poorly-funded schools based upon where they live. This idea would encourage wealthy Americans to sell their homes in order to buy homes in less wealthy areas, thus raising housing values in those areas and their access to educational funds.
  4. Could possibly address zoning laws. Zoning laws are another huge barrier to affordable housing. They prevent new development and exacerbate supply problems. This idea would have the effect of driving out many residents who band together to pass zoning laws, thus making new development easier and creating a positive feedback loop in regards to housing supply.
  5. Could address predatory practices. One more obstacle to affordable housing are speculators, predatory landlords, and apathetic businesses who buy large amounts of property and either use them to drive up their own profits at the expense of the residents or simply let them go unused for prolonged periods of time, thus exacerbating supply problems. This imposes a cost to such behavior, makes it less profitable, and encourages responsible investment.

Cons:

  1. Let's get this one out of the way right at the start, out current system is not progressive. Wealthier properties pay more in taxes, but it's still a flat tax rate. You can debate whether or not a flat tax rate is fair, but it's still not progressive.
  2. It doesn't necessarily target the wealthy. You could end up simply driving the semi-wealthy out of wealthy neighborhoods, while further insulating the super-wealthy from the rest of society, as the latter can afford to pay higher prices while the former can't. However, this still creates housing vacancies, and the windfall from the taxes could be re-invested in construction of new units and upkeep and renovation of older units in struggling neighborhoods. This could soften the blow of forcing semi-wealthy individuals out of "good" neighborhoods and into "bad" ones.
  3. It doesn't address one of the biggest issues, which is affordable housing. In most troubled markets, there is a complete dearth of affordable housing, with new projects aimed primarily at building luxury units. However, tax breaks can be employed strategically to encourage investment in affordable housing. If there is a neighborhood with little affordable housing and high property taxes as a result of this proposal, tax waivers can be granted to companies who specifically develop affordable housing.
  4. One of the biggest arguments I came across against this was that it would force elderly homeowners with little income out of their homes. My first reaction is so what? The alternative seems to be accepting a situation where poorer elderly are faced with an extreme degree of housing insecurity while richer elderly aren't, that's exactly the sort of thing this proposal is supposed to remedy. I will admit that there could be situations where residents can't afford to move or would be burdened by having to move, but in that case we could either use the windfall from the taxes to assist with moving costs or use exemptions to keep qualifying individuals in their homes. I think that first part should actually go in the pros column, instead of people staying in homes they can't afford because they can't afford to move to homes they can afford, we can actually cover the moving costs for people to move to areas they can afford and which may be actively trying to attract more residents.
  5. I'm sure that almost every business owner reading this is losing their mind in terror, but think it through for a minute. Yes, operating costs go up and relocating is costly. However, this actually pushes business owners who are struggling with costs of ownership to move to areas with lower costs of ownership if it makes fiscal sense. If taxes are too much of a burden then moving to a different area will lower your taxes and increase the value of said area, spurring more investment. If taxes are manageable, then you benefit from an influx of new prospective clients. Further, if you're hurt too much by taxes then your taxes next year will be lower. Finally, it will level the playing field between smaller and larger businesses. No longer will the first-year coffee house have to try to compete with Starbucks, because the former actually pays fewer in taxes relative to the latter than it does right now. Competitive advantage actually goes up for small businesses.

So, what does everybody think?

1) Revoke prop 13, it basically murdered the entire california housing market.

2) Stop letting NIMBYs prevent new housing from being built.

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#4 GummiRaccoon
Member since 2003 • 13799 Posts
@NoodleFighter said:

@demi0227_basic: Not really, Star Citizen continues to get graphical updates , the graphical upgrade from 2.0 to 3.0 is pretty big. What are these new engines? Technically Star Citizen is on a new engine since they went from CryEngine to Lumberyard for better online tech plus they have most of Crytek's talent so it won't be hard for them to modify it to their needs which they already have. You're also assuming these new engines will actually display the graphics shown in their tech demos in real games. Remember Luminous? Exactly. Even if it does lose to other games in graphics none of them will even be doing half the stuff Star Citizen does as none of those games will be on the same scale as it. It will likely just be another linear/generic open world game that has nowhere near the level of environment/sandbox interaction and detail as Star Citizen. So in other words the next big AAA game may beat Star Citizen graphics but it will lose in everything else.

Star citizen isn't even doing half of what it is supposed to do. This thing is basically vaporware at this point. (I donated to the project back in 2013)

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#5 GummiRaccoon
Member since 2003 • 13799 Posts

Probably 1986, I recall playing King's Quest II and people had to spell for me because I was 4 years old.

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#6 GummiRaccoon
Member since 2003 • 13799 Posts

There is no such thing as free anything. Someone pays for it.

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#7 GummiRaccoon
Member since 2003 • 13799 Posts

@kod said:

Why would anyone disagree with the concept of Antifa?

Individual actions aside, its simply an anti-fascism ideology that only exists because of fascist ideologies being pushed by too many right now.

My question has been, what do people expect? People always violently lash out against fascism because.... its fascism. Its the closest example of actual "evil" we can find. Its everything you do not want in a government or ideology.

Antifa is anti fascist in the same way that the Democratic People's Republic of Korea is a democracy.

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#8  Edited By GummiRaccoon
Member since 2003 • 13799 Posts

@Legend002:

@Legend002 said:

I'm not talking about components upgrading but an entirely new build.

My first built was roughly 2 and a half year ago and I'm already itching to built a new one. The X299 board, i9 and Volta are really getting me excited. Might be I now have much more knowledge this time around. Stuff like liquid cooling and overclocking was just a waste which I spend a good amount of money on last time.

Compared to consoles, 2-3 after every upgrade ain't bad but yet again consoles aren't worth 2K...

My current computer has been one long continuous upgrade since I first put together my first PC back in the mid-90's (pentium MMX 233). I still have one component left, my speakers.

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#9 GummiRaccoon
Member since 2003 • 13799 Posts

@Mighty-Lu-Bu said:

@04dcarraher: Do you think going from the FX8320 to the Ryzen 7 1700 would be a substantial upgrade for me if I went that route?

There is a huge difference between my wife's 1600X and my 8350. I am about to upgrade from my 8350 to a 1700.

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#10 GummiRaccoon
Member since 2003 • 13799 Posts

@JigglyWiggly_ said:

It's better than the 7600k in many games. Check hardwareunboxed and gamersnexus. It doesn't make sense to get the 7600k over the ryzen 1600.

The 1600 and 1600x are going to be selling a lot.

I got my wife a 1600x and the thing is incredibly strong.