Look at Kaiser; they run a vertically integrated shop. They’re fanatical about
not paying for any elective treatments even if it would improve quality of
preventive care to cover all the diseases they’re legally required to cover
minimizing org-to-org friction
using the cheapest means of communication whenever possible (text > video >> in-person)
I never had my blood pressure and lab work more scrutinized, never had more help offered to lose weight, etc, than when I was a KP patient.
Turns out I have special medical needs and there is a specialist clinic near me, so I switched insurance. But I always felt that my doctor wanted to keep my ass out of the hospital because that is where his bonus came from.
You living paycheck to paycheck doesn’t affect your landlord unless you miss a payment. And in those instances landlords don’t have any kind of human empathy for the situation their tenant is in.
The ideal tenant is rich and willing to pay whatever.
The ideal tenant is rich enough to pay increasing rent in perpetuity, undemanding enough to not demand costly repairs, and too poor to buy their own housing unit.
Okay I’m not sure if you just have zero reading comprehension, or if you’re just being intentionally obtuse, so let me restate.
Again, you living paycheck to paycheck DOES NOT affect your landlord, UNLESS you miss a payment. I’m not sure how you could possibly say otherwise when you presented zero actual argument for why this statement is untrue.
MANY MANY people are excellent renters, never miss a payment, and live paycheck to paycheck.
If you live paycheck to paycheck and pay rent every month, it makes no difference to your landlord. $2k/mo in their pocket is $2k/mo in their pocket, no matter how much u have in the bank after paying it.
The ideal tenant is rich and willing to pay whatever.
Yes, that is true. That is an ideal tenant. That has nothing to do with whether someone living paycheck to paycheck affects their landlord.
That’s why some places require credit checks.
Yeah no shit landlords use credit checks to see if ur a high risk of non-payment. That’s called credit history. Has nothing to do with whether ur living paycheck to paycheck. I know ppl who live paycheck to paycheck with ~800 credit scores.
What ur describing is credit scores, not whether or not someone lives paycheck to paycheck. Try again.
“Not saying your tutor is a bad person, but they have interests that oppose your own”
Not really.
“Not saying your doctor is a bad person, but they have interests that oppose your own”
Not really.
You could say that if they were ruthlessly in pursuit of money above all other interests, maybe, and then only if they were short-sighted enough to think that keeping you stupid or sick was the best way to make the most money.
Doctors have other goals and are paid salary. Tutors are often working temporarily and part time. I don’t think either of these groups actually oppose your interests.
A landlord, on the other hand, directly opposes tenant interests in multiple ways. Every dollar they spend on repairs is a dollar less profit. Every dollar of rent increase they can get you to pay is a dollar more in their pocket. Every competing housing development being built threatens the value of their asset as well as the future profitability of their current housing stock due to the competition.
Of course there are “good” landlords that don’t maximize their own interests just like there are shitty doctors (mostly holistic, to be fair) out there that want to milk you dry and never cure anything. But that doesn’t change the calculus much. They’re just the exceptions that prove the rule.
You can do the same justifications for landlords that you did for tutors and doctors though.
Kind of, maybe, if a high percentage of landlords was in it to “provide housing”…which I didn’t see any evidence of in my decade and a half of renting.
I’m also a bit of a weirdo too. So, I had a lot more opportunity to see any of that. I probably moved over 10 times in my ~15 years renting because I couldn’t stand the yearly rent increases they were trying to force on me and was stupid/stubborn enough (and well off enough) to vote with my feet.
Yeah that’s what I was thinking. You could swap in most relationships and it’d still be as reasonable.
“Not saying your tutor is a bad person, but they have interests that oppose your own”
“Not saying your doctor is a bad person, but they have interests that oppose your own”
Etc
Different is not necessarily oppositional.
My doctor does not benefit from me being sick. My tutor does not benefit from me flanking.
My landlord does benefit from me living paycheck to paycheck because they have extracted the maximum possible cash from me.
Doctors do benefit from you being sick, I’d imagine that funds a large majority of the industry.
Guess I don’t know the tutor business well, but if they are paid, they don’t benefit from you not needing them
Look at Kaiser; they run a vertically integrated shop. They’re fanatical about
not paying for any elective treatments even if it would improve quality of
preventive care to cover all the diseases they’re legally required to cover
minimizing org-to-org friction
using the cheapest means of communication whenever possible (text > video >> in-person)
I never had my blood pressure and lab work more scrutinized, never had more help offered to lose weight, etc, than when I was a KP patient.
Turns out I have special medical needs and there is a specialist clinic near me, so I switched insurance. But I always felt that my doctor wanted to keep my ass out of the hospital because that is where his bonus came from.
Now SURGEONS, that’s a different story.
So, some doctors suck, some don’t?
Bet you can apply that logic across the board to all walks of life tbh. Some landlords are dickheads, some are just other people trying to get by.
and I say that with a dickhead landlord
If you can afford to buy 2 houses you’re no longer “getting by”, you’re a 1%'er.
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Wait, what? How does it benefit your landlord if you live paycheck to paycheck?
They want the most they can get, of course. I just don’t quite understand what you mean?
You living paycheck to paycheck doesn’t affect your landlord unless you miss a payment. And in those instances landlords don’t have any kind of human empathy for the situation their tenant is in.
It does affect your landlord. Lower income means higher risk of non-payment.
That’s why some places require credit checks. The ideal tenant is rich and willing to pay whatever.
The ideal tenant is rich enough to pay increasing rent in perpetuity, undemanding enough to not demand costly repairs, and too poor to buy their own housing unit.
Okay I’m not sure if you just have zero reading comprehension, or if you’re just being intentionally obtuse, so let me restate.
Again, you living paycheck to paycheck DOES NOT affect your landlord, UNLESS you miss a payment. I’m not sure how you could possibly say otherwise when you presented zero actual argument for why this statement is untrue.
MANY MANY people are excellent renters, never miss a payment, and live paycheck to paycheck.
If you live paycheck to paycheck and pay rent every month, it makes no difference to your landlord. $2k/mo in their pocket is $2k/mo in their pocket, no matter how much u have in the bank after paying it.
Yes, that is true. That is an ideal tenant. That has nothing to do with whether someone living paycheck to paycheck affects their landlord.
Yeah no shit landlords use credit checks to see if ur a high risk of non-payment. That’s called credit history. Has nothing to do with whether ur living paycheck to paycheck. I know ppl who live paycheck to paycheck with ~800 credit scores.
What ur describing is credit scores, not whether or not someone lives paycheck to paycheck. Try again.
Not really.
Not really.
You could say that if they were ruthlessly in pursuit of money above all other interests, maybe, and then only if they were short-sighted enough to think that keeping you stupid or sick was the best way to make the most money.
Doctors have other goals and are paid salary. Tutors are often working temporarily and part time. I don’t think either of these groups actually oppose your interests.
A landlord, on the other hand, directly opposes tenant interests in multiple ways. Every dollar they spend on repairs is a dollar less profit. Every dollar of rent increase they can get you to pay is a dollar more in their pocket. Every competing housing development being built threatens the value of their asset as well as the future profitability of their current housing stock due to the competition.
Of course there are “good” landlords that don’t maximize their own interests just like there are shitty doctors (mostly holistic, to be fair) out there that want to milk you dry and never cure anything. But that doesn’t change the calculus much. They’re just the exceptions that prove the rule.
You can do the same justifications for landlords that you did for tutors and doctors though.
Tutors don’t want to spend money on supplies to help teach… doctors don’t want to buy new equipment for the office, etc.
The fact is everyone’s different. My boss is rents out a house. He split it in 3rds and charges 450 a person a month. He’s a good dude.
My landlord is a dick who hasn’t fixed any issues in a year.
Kind of, maybe, if a high percentage of landlords was in it to “provide housing”…which I didn’t see any evidence of in my decade and a half of renting.
I’m also a bit of a weirdo too. So, I had a lot more opportunity to see any of that. I probably moved over 10 times in my ~15 years renting because I couldn’t stand the yearly rent increases they were trying to force on me and was stupid/stubborn enough (and well off enough) to vote with my feet.
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I imagine a large percentage of doctors work behind the scenes rather than directly help patients
I have this thought that Big Pharma isnt in it to “provide health” ha