Maryland = If Nazi Germany Won WWII

Ramseybella

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Dogdaze said:
^^^ ::026:: I have been telling that to people for years, some believe me, others just say I'm a cynic and negative.... Oh well!
Crazy and SiFi as it may sound all you have to have is some common sense to see that it's true.
I call it the Pharaohs slaves syndrome.. As long as we can buy and consume something we are content..
Go to Walmart and just stand at the wall in front of the checkout isles for a spell and observe..
Freaking hardcore social education on what we have become.
I grew up in Florida for 30+ years it has become so sadly over populated it's sickening.. My wife and I moved to northern New Mexico in 98 love the weather and the environment.
Some of the locals don't like you but you get along and most of the time it's the ignorant emaciated looking little gang banger Wanna bee Punks.
Not much to get hassled about around these parts no inspections unless you live in Albuquerque that town sucks!! It reminds me of a Hot non humid Tampa, Fl with desert and mountains instead of water and palm trees. NM the roads are well, kick ass but as you would expect for a poor state a bit rough but close to all the states you want to ride..
The only drawback is work, it's a lot of Gov, and Nuke lab and need a degree for most of it..
Lots of California folks have migrated to these parts and have infiltrated into the city of Santa Fe. I hate to say this but that seriously put the nail in the coffin for my wife and i we moved to Los Alamos.
As the town just went to shit MHO Santa Fe has always been a moderately liberal city but it's gone extreme along with homeless and sanctuary city overload it's mind boggling!!
It seriously puts a strain on the city and the local culture or what's left of it and non liberal folks.
I worked in the culinary filed for 24+ years and worked with many different people and nationalities I get along with just about anyone who mirrors my respect for them.
On a lighter note Maryland has some Serious kick ass Blue Crab.. ;)
 

Defekticon

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Defuniak Springs, FL
We are house shopping right now in FL, as my family lives here in the panhandle near Destin. We're moving to Miramar Beach, but it's obnoxiously crowded. I lived here back in 2003 and it was perfect. Still a vacation town, but on a much smaller scale. We've already decided that we're going to fulltime RV during the summer when the kids are out of school (May to August). Just to deal with the bookends of summer traffic and of course, spring break culanos.

The realestate market is insane here too. My house sold in 2010 for 137,000 dollars. That same house/square footage is now in the 300k range. We're looking at property in the 400k range, and if I didn't have equity in my own home in MD there is no way I'd be able to afford it.

Maryland jacked my property taxes this year too. Went from 210k to 260k in one three year cycle. Some of my neighbors fought the increase and were denied. I decided not to fight it since I was about to sell and wasn't going to attempt to justify a lower Sq Ft in comp sales (even though I believe it would have been pretty easy to do). I'm just hoping that the house will sell for at least the tax appraised value, but it seems unrealistic.

Ramseybella said:
Crazy and SiFi as it may sound all you have to have is some common sense to see that it's true.
I call it the Pharaohs slaves syndrome.. As long as we can buy and consume something we are content..
Go to Walmart and just stand at the wall in front of the checkout isles for a spell and observe..
Freaking hardcore social education on what we have become.
I grew up in Florida for 30+ years it has become so sadly over populated it's sickening.. My wife and I moved to northern New Mexico in 98 love the weather and the environment.
Some of the locals don't like you but you get along and most of the time it's the ignorant emaciated looking little gang banger Wanna bee Punks.
Not much to get hassled about around these parts no inspections unless you live in Albuquerque that town sucks!! It reminds me of a Hot non humid Tampa, Fl with desert and mountains instead of water and palm trees. NM the roads are well, kick ass but as you would expect for a poor state a bit rough but close to all the states you want to ride..
The only drawback is work, it's a lot of Gov, and Nuke lab and need a degree for most of it..
Lots of California folks have migrated to these parts and have infiltrated into the city of Santa Fe. I hate to say this but that seriously put the nail in the coffin for my wife and i we moved to Los Alamos.
As the town just went to shit MHO Santa Fe has always been a moderately liberal city but it's gone extreme along with homeless and sanctuary city overload it's mind boggling!!
It seriously puts a strain on the city and the local culture or what's left of it and non liberal folks.
I worked in the culinary filed for 24+ years and worked with many different people and nationalities I get along with just about anyone who mirrors my respect for them.
On a lighter note Maryland has some Serious kick ass Blue Crab.. ;)
 

Calboy

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Real Estate market? One of the biggest jokes ever.
George Carlin was absolutely right in the way he described it; "You pay for three houses to be able to live in one." That's because at the end of your 30 years mortgage you paid the house you live in three times over.
But hey, that's part of the American Dream, is it not? And you have to be asleep to believe it.... George Carlin
 

Dogdaze

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Calboy said:
Real Estate market? One of the biggest jokes ever.
George Carlin was absolutely right in the way he described it; "You pay for three houses to be able to live in one." That's because at the end of your 30 years mortgage you paid the house you live in three times over.
But hey, that's part of the American Dream, is it not? And you have to be asleep to believe it.... George Carlin
USA and the UK are the biggest followers of this 'dream'. Majority of Europeans are content with renting, and as often the case they will stay in the same house/apartment for at least 10 years, in which time the rent hardly ever increases, they are also protected from the landlord not to be evicted just because they price of rents have gone up, but on the flip side the landlords have the law on their side, as long as property is maintained, which is a good thing.

This desire to climb the property ladder is over inflating the true cost of house prices in these countries, supply and stupidity. People come up with reasons like, "I'm throwing money away by renting", as though home ownership has no financial encumberments, like renovation, tax etc. What about the deposits that one has to come up with? Here in Switzerland it is a minimum of 20%, with the average house (not apartment) being just over $1m that's a hefty deposit.
We rent right now, but have the resources to buy a property here, and will look to do so next year, only as the money sitting in a bank will earn next to nothing and depending on which bank you use, could cost you money to leave it with them, go figure!
 

steve68steve

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Seacoast, NH
Calboy said:
Real Estate market? One of the biggest jokes ever.
George Carlin was absolutely right in the way he described it; "You pay for three houses to be able to live in one." That's because at the end of your 30 years mortgage you paid the house you live in three times over.
But hey, that's part of the American Dream, is it not? And you have to be asleep to believe it.... George Carlin

Paying interest on a mortgage for 30 years sucks, but renting (everywhere I've lived, anyway), is never a better long-term financial strategy than buying a house.


My mortgage has everything escrowed: I make one monthly payment, which includes taxes and insurance. This payment is currently about $300 less than I was paying in rent, and the payment will rise slower than rents (insurance and taxes increase, but not as fast as rents do everywhere I've lived).


So, I'm either saving $300/ month, or I can pay down mortgage early. An extra $3600 per year payment would shave more than a decade off my mortgage, and avoid tens of thousands in interest payments.
The interest portion of your payment is tax-deductible. This is (at first) a substantial amount of the payment. The real estate taxes are also tax-deductible. This means you can reduce the amount of income you pay income taxes on by a huge percentage of your mortgage payment.


Besides the standard of living stuff like having more space, more rooms, more privacy, etc., I have an appreciating asset.


I'm honestly perplexed at why people would prefer to be long-term renters. It's cheaper than renting (unless you demand to live in the heart of a prosperous urban area). After decades of renting, you have nothing. After decades of home ownership, you've likely saved a ton of money, had a nicer lifestyle, and own a source of income worth a few hundred thousand dollars - that wealth could probably fund a few dreams.
 

Defekticon

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Defuniak Springs, FL
Dogdaze said:
USA and the UK are the biggest followers of this 'dream'. Majority of Europeans are content with renting, and as often the case they will stay in the same house/apartment for at least 10 years, in which time the rent hardly ever increases, they are also protected from the landlord not to be evicted just because they price of rents have gone up, but on the flip side the landlords have the law on their side, as long as property is maintained, which is a good thing.

This desire to climb the property ladder is over inflating the true cost of house prices in these countries, supply and stupidity. People come up with reasons like, "I'm throwing money away by renting", as though home ownership has no financial encumberments, like renovation, tax etc. What about the deposits that one has to come up with? Here in Switzerland it is a minimum of 20%, with the average house (not apartment) being just over $1m that's a hefty deposit.
We rent right now, but have the resources to buy a property here, and will look to do so next year, only as the money sitting in a bank will earn next to nothing and depending on which bank you use, could cost you money to leave it with them, go figure!
Real Estate is always a good investment depending on location here. Inflation is magic because our Government likes to print money. Also, the "No-Documentation" mortgage loans are back! Another mortgage backed securities collapse is coming soon! A house that I was renting in 2010 ::) that was foreclosed on while I was a tenant sold on the market for 132,000 dollars 6 years ago. That same house - with minimal (>30k dollars of upgrades) is now selling for 270-300k in the same neighborhood.

Real estate is on the upswing, I bought my current house at the bottom of the market (2010) and I'm hoping to sell next spring for a profit beyond what I've paid down in equity on my mortgage. Also - 15 year mortgages are THE way to go if you can afford a few extra hundred dollars a month the savings on the back end is absolutely worth budgeting yourself a little tighter up front.

For many of us, real-estate equity is at least a part of our retirement plan. Reverse mortgages are what keep many pensioners alive beyond their social security income.

My plan is to sell the house I buy next spring when I retire, rent a condo, purchase a modest motorhome, hook up my motorcycle trailer and live like Snakebitten :)
 

EricV

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Wow. Just wow. What a bunch of dreamers. Another real estate "adjustment" is coming. Say thank you to the banks for lending money to people that can't afford it, and to all the flippers out there scamming people for a quick buck.

The house I bought in 2000 and sold in 2013 netted me a whole $4500 in profit, just based upon the purchase and sell price, never mind the roof, HVAC, full electrical service and A/C upgrades/replacements, not to mention the stove, dishwasher and other items. I easily lost $20k, not to mention the 13 years of interest I paid on the mortgage.

The house I'm in now was purchased by my wife in 2007 and if we get a full price offer, she's only losing $100k from what she paid to what the asking price is now.

Real estate used to be a sure bet over time. It's not any more. Rent costs vary widely around the country by the market and availability. Big city, lots of rentals, easier market. Smaller cities, less rentals, tougher market. I see expensive rentals in the same market as cheap homes, so there is that to consider, depending on your location.

If you bought at the low ebb and can sell when it's higher, good for you. Most people don't get that lucky.

On topic for this thread. If you live in MA.... MOVE. Nothing says love like abandoning a state. If you could keep the stupid people from moving in, you could vacate 90% of MA and then call for the statehood to be removed. Most of the Eastern states should be junked and have those lands added to a few other states. What an enormous waste of money and excess government.
 

Defekticon

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EricV said:
Wow. Just wow. What a bunch of dreamers. Another real estate "adjustment" is coming. Say thank you to the banks for lending money to people that can't afford it, and to all the flippers out there scamming people for a quick buck.

The house I bought in 2000 and sold in 2013 netted me a whole $4500 in profit, just based upon the purchase and sell price, never mind the roof, HVAC, full electrical service and A/C upgrades/replacements, not to mention the stove, dishwasher and other items. I easily lost $20k, not to mention the 13 years of interest I paid on the mortgage.

The house I'm in now was purchased by my wife in 2007 and if we get a full price offer, she's only losing $100k from what she paid to what the asking price is now.

Real estate used to be a sure bet over time. It's not any more. Rent costs vary widely around the country by the market and availability. Big city, lots of rentals, easier market. Smaller cities, less rentals, tougher market. I see expensive rentals in the same market as cheap homes, so there is that to consider, depending on your location.

If you bought at the low ebb and can sell when it's higher, good for you. Most people don't get that lucky.

On topic for this thread. If you live in MA.... MOVE. Nothing says love like abandoning a state. If you could keep the stupid people from moving in, you could vacate 90% of MA and then call for the statehood to be removed. Most of the Eastern states should be junked and have those lands added to a few other states. What an enormous waste of money and excess government.
Spot on. Location is a huge part of that dream. You have to be willing to move for it. I firmly believe that the secret to actually making the American dream work is by choosing a field of work that you can make more than a living wage in areas with a low cost of living.

Side note, I met an Uber driver while I was in Crestview, FL that abandon Mass a year ago and moved to FL. Said she was a pizza delivery driver (She was in her 50's) paying 1200 dollars in rent for a town house. BUT she only had access to the first floor and one of the bedrooms upstairs. The Landlord was using the rest of the house/garage/sheds as junk storage, and that was the best deal she could find as a renter.... Not to mention she was making far more money as an uber driver than she was as a pizza delivery driver.

I'd have a hard time living northeast of PA. Overcrowded, legislatures that believe social reform starts with legal paternalism (cough, not unlike MD), insufficient infrastructure and high cost of living. Sure my field of work, would net me a great paying job, but after cost of living adjustments, I'd be better off pretty much anywhere else in this country except California.



Insane.
 

ChrisMD

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Recently moved (very, very reluctantly) to MD from MA, due to my wife taking a job down here. A friend commented that "you're moving from the Oregon of the east coast to the California of the east coast", and boy, was he right. I have never experienced nanny-state to this degree, and I've even done a little time in NJ.

I haven't yet experienced the hilarity of bringing my 40-year-old Suzuki GS to a local shop for a safety inspection. For now, it's MA registered and insured, until I decide whether I'm going to keep it long-term, or sell it when/if (when!) I find the right S10. And I suspect that I'll be at a disadvantage selling a really old bike in MD anyway, so I may be better off keeping it as a MA bike and bringing it back up to the land of the slightly-more-free when it's time to sell. We'll see.

I did have to cough up the cash to have our two daily-driver cars inspected. When I explained how the MD inspection process works to my 11-year-old, he replied: "Wait - they only do a safety inspection once, then you can drive them until they fall apart? That's just stupid". Based on the number of absolute $#!^-boxes I've seen flying down 270, I agree. Clearly, a grade-schooler is better equipped to run the MDT.
 

Checkswrecks

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Welcome to the State from Damascus.

The Maryland version of the MDT is the MVA and the place is where Zootopia must have gotten the idea of sloths from.
 

WJBertrand

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Recently moved (very, very reluctantly) to MD from MA, due to my wife taking a job down here. A friend commented that "you're moving from the Oregon of the east coast to the California of the east coast", and boy, was he right. I have never experienced nanny-state to this degree, and I've even done a little time in NJ.
Sounds worse than California. We have no annual safety or emissions inspections for motorcycles here. They were talking about an emissions program but then in a sudden and uncharacteristic bout of common sense it was realized that since motorcycles only comprise about 3% of the traffic flow (even in CA) and they are ridden on average, much fewer miles than cars, that the expense to benefit ratio made no sense and the idea was dropped.
 

ChrisMD

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Welcome to the State from Damascus.

The Maryland version of the MDT is the MVA and the place is where Zootopia must have gotten the idea of sloths from.
Ah, the MVA, that's right - how could I forget after waiting in line that ran around the side of the building...

MVA aside, there's also a lot to like about this area. Looks like there's a lot of good riding in this part of the state, especially here in the ag reserve. And I'm definitely looking forward to exploring the roads of VA and the mountains to the west. Not so much around the beltway I think.
 

ChrisMD

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Sounds worse than California. We have no annual safety or emissions inspections for motorcycles here. They were talking about an emissions program but then in a sudden and uncharacteristic bout of common sense it was realized that since motorcycles only comprise about 3% of the traffic flow (even in CA) and they are ridden on average, much fewer miles than cars, that the expense to benefit ratio made no sense and the idea was dropped.
Good point. AND you're the only state in the US that allows filtering, so points for that!
 

Dirt_Dad

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For now, it's MA registered and insured, until I decide whether I'm going to keep it long-term,
Careful, MD police do pull over out of state vehicles trying to find people who haven't registered in MD. They will tow you on the spot if they discover you. At least they did back in the '80s when I lived in MD.
 

WJBertrand

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Good point. AND you're the only state in the US that allows filtering, so points for that!
Actually Utah now allows filtering which they define as moving between lanes of completely stopped cars. Splitting lanes between moving cars, which is legal in CA, is still not permitted in Utah. Several states are entertaining lane splitting/filtering.
 

ChrisMD

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Careful, MD police do pull over out of state vehicles trying to find people who haven't registered in MD. They will tow you on the spot if they discover you. At least they did back in the '80s when I lived in MD.
Yeah, I'll definitely be registering my main bike in MD - just not sure it's worth it on my current old bike given the age and how little I've been riding it. For the occasional run through the agricultural reserve, where I rarely ever even see a county cruiser, I'm probably okay for a little while. But I do need a bike I can reliably put miles on, and that one will definitely be registered in state.
 
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