Gradual release

[Mackenzie Click-Mickelson]

Another common reason is a desire by racist government officials to keep a community homogeneous. A horrible way the government legalizes discrimination against non traditional families, immigrants, or others that live in blended households.

Considering the racial makeup of that city that answer would be a no as well. It def. has a lot of whites but Hispanic is represented there too as well as growing Black numbers. It was primarily an issue with investors purchasing homes in single family zoned housing and breaking them up to be rental units. There are areas zoned for that, single family residential areas are not intended for that. "multiple individual leases" is not about blended households unless you really think grandma has a lease separate from her daughter separate from the child.

 

[kdonnel]

Considering the racial makeup of that city that answer would be a no as well. It def. has a lot of whites but Hispanic is represented there too as well as growing Black numbers. It was primarily an issue with investors purchasing homes in single family zoned housing and breaking them up to be rental units. There are areas zoned for that, single family residential areas are not intended for that. "multiple individual leases" is not about blended households unless you really think grandma has a lease separate from her daughter separate from the child.

Again, I have said I do not know the motif for the Kansas ordinance.

I said usually.

I am saying why these laws have been passed in the past.

Large commercial rental companies handle a large portion of rental single family homes. Large commercial rental companies would require grandma and her 18+ daughter to have individual leases.

These laws very much can prevent grandma and her daughter from living together.

 

[Colleen27]

They are often called brothel laws because they are often passed under the guise of preventing brothels.

In reality it is usually a way to slow or stop student housing in areas around colleges.

There might have been a time when that was true. Maybe it even still is in some places. But these days, it seems more aimed at trying to push back against the influx of investor money into the housing market and/or keeping lower income and immigrant renters out of "nice" communities. Roommates in a single-family rental are seen as a way of getting around zoning rules that prohibit apartments and multi-unit homes, and therefore need to be restricted to maintain the single family nature of the community.

 

[Mackenzie Click-Mickelson]

so smart to get additional coverage! we were already eyeballing this before our last renewal b/c we knew how much people were paying to get certain repairs and renovations done in our area so we upped our coverage as much as we could. the value of this has been seared into our brains by virtue of friends who lost in whole and part homes and structures due to wildfires-they thought they had sufficient coverage but the rising cost of construction had them grossly underinsured. even those who seemingly had sufficient coverage are finding that entirely new construction can be less expensive than restoration and repair of existing-costs less for plumbing and electrical to be put in new construction vs. having to demolish and then reconstruct existing walls and subfloors just to get to the areas that need the electrical and plumbing. the cost of just the demolition and disposal is staggering.

Absolutely, we had additional replacement cost coverage on our policy so I think right now it's an additional $120K in addition to the $480K paying about $90 for the year for that but this new policy they will pay out up to $5 million period. So we don't have additional replacement cost as an available coverage but if it costs more than $690K to rebuild that's what they'll pay.

You're so right about construction costs in general plus codes too. Our house was built in 2014, It's entirely possible a code or two have been updated since then, for older homes def. and that stuff can be pricey if you're talking about fire wall protections, electrical, plumbing types, etc.

 

[Mackenzie Click-Mickelson]

Again, I have said I do not know the motif for the Kansas ordinance.

People giving examples of their areas, where their kids go, or where they went would lend to different reasons but when you're quoting a specific poster who is talking about a specific recent ruling (not one steeped in the 19th century) and randomly listing out answers it becomes less about generics. You're welcome to actually read the article the person posted which actually gives you the motive that which you don't know about.

ETA after seeing edit:

Large commercial rental companies handle a large portion of rental single family homes. Large commercial rental companies would require grandma and her 18+ daughter to have individual leases.

This particular ordinance is "a group of people is co-living if it includes at least four adults who are unrelated." The strictness that has raised eyebrows is the caveat of "Only one adult needs to be unrelated for the entire group to be classified as unrelated" that's why the headlines read like a ban. Grandma and grandkid could live in a house together but if that house also has several other individuals unrelated to them that's where the issue comes into it.

Imagine an investor company buying up a home during the height of the pandemic, turning that home, that which is in a specific zoned area, and chopping up the bedrooms in it to make a pseudo apartment building where normally each bedroom is on its own lease. In that city there are duplexes, triplexes, fourplexes, etc so it isn't as if non-apartment building structures don't exist for living. The motion was attempting to curb the action of the investors for the large part or people who have the funds to purchase these homes and flip them. My sister-in-law owns a fourplex, it is however in an area zoned for that.

 

[barkley]

ou're so right about construction costs in general plus codes too. Our house was built in 2014, It's entirely possible a code or two have been updated since then, for older homes def. and that stuff can be pricey if you're talking about fire wall protections, electrical, plumbing types, etc.

absolutely. we've had newer neighbors who purchased homes that are less than 10 years old with aspirations of doing what they perceived would be lower cost tweaks and renovations only to realize they would lose their 'grandfathered' code status on aspects of their homes which would add tens of thousands to the cost.

 

[DisneyOma]

Older daughter left right after college, had her job, her own place to live, no support from us at all. She just got her doctorate, BTW, and hasn't asked us for a thing in all the years in between. We paid for her bachelor's degree.

Younger daughter still lives it home with us, is a teacher, making good money, and pays all her own expenses, insurance, etc. She pays rent for her one room, (covers her share of utilities) and will buy the house from us when we retire. She also just took me on a fantastic WDW trip, all expenses paid.

My daughter is moving out and starting her own life. The lease has been signed and move in is scheduled for this coming weekend.

That past weekend we were helping her set up her classroom as she starts her career as a teacher. While there we met a friend of hers from college and her parents who were doing the same for their daughter.

We ended up having a conversation with the parents.

The father mentioned that his daughter has asked if she could be placed on gradual release, her way of asking if she could continue to receive monetary help.

I thought it was a great term for how parents continue to help their adult children.

My daughter is moving in with 3 roommates. Splitting the cost of a rental home with 3 others should make her transition from college student to young adult smoother from a financial perspective.

At today's prices and starting teacher salaries I don't think she could afford to rent even a one bedroom apartment by herself, certainly not the $2450 plus utilities that the 3 bedroom house is costing.

I am keeping her on my health insurance as it does not cost me anything for her to remain but would cost her about $150 a month. The same applies to dental insurance, she will remain on mine since there is no cost associated(I would get no savings if I dropped her as a dependent).

The same goes for her cell phone. It only costs $20 a month for her to remain on my plan but would cost $80 or more a month.

I am sure there other items that will come up as well.

How much help did you continue to provide your adult children and for how long?

How sudden or gradual was the release?

Does your daughter pay the $20 for the phone, etc?

 

[CdnCarrie]

The 4 of them are splitting $2250 in rent, plus utilities. It looks like it will be right around $750-$800 a person a month for rent, insurance, power, water, gas, trash, and pest control.

you have to pay extra for trash? isn't that like part of paying your taxes?

There's ongoing pest control bills? I've owned a home for 20+ years and never paid a trash or pest control bill.
Home insurance here would be carried by the owner of the house. Each tenant would have to get renter's insurance to cover their personal property which is dirt cheap.

 

[tvguy]

It depends on the area- plus unfortunately some cities are starting to create laws that don't allow for roommates unless family or significant others.

Boy, that is the complete opposite from here. From a city planning perspective here, it's all about increasing population density. From a landlord's perspective, it is about getting more total rent for the same space. Instead of the usual $3,000 rent from an individual for a three bedroom, they can get $3,600 a month total.....$1,200 a month each, from three tenants.
Lots of residences being converted, and lots of grant money and tax breaks given to build new, high density housing.
Now the negative, at least here. The City is also assuming........or trying to force tenants......to use public transit. So they are allowing developers to build projects with fewer parking slots. A three bedroom apartment used to require three parking spots, one per bedroom, now they are being built with one parking spot per UNIT. This is California, EVERYONE pretty much has a car.
The City allowed a privately built apartment complex, aimed at students of nearby California State University Sacramento to be built with just one parking spot per unit. The neighborhood is now a mess with tenant cars parked all over, and tenants complaining they have to park a mile from their apartment.

 

[Moliphino]

you have to pay extra for trash? isn't that like part of paying your taxes?

There's ongoing pest control bills? I've owned a home for 20+ years and never paid a trash or pest control bill.
Home insurance here would be carried by the owner of the house. Each tenant would have to get renter's insurance to cover their personal property which is dirt cheap.

Both towns I've lived in have not provided trash pickup. You bring it to the dump yourself (which costs money to have a tag and per bag, usually, recycling is free) or you pay a private company for trash pickup.

 

[CdnCarrie]

Both towns I've lived in have not provided trash pickup. You bring it to the dump yourself (which costs money to have a tag and per bag, usually, recycling is free) or you pay a private company for trash pickup.

Yes that does happen in small towns here but I think most residents get a pass without paying. Cities it's part of paying taxes. Maybe OP lives in a small town.

 

[Mackenzie Click-Mickelson]

Yes that does happen in small towns here. Cities is part of paying taxes. Maybe OP lives in a small town.

I pay $20 per month for trash, recycling and yard waste, the provider is the city (one of the few cities here that do their own). Many cities around here you have a few choices for trash providers. Within the county though the companies operating within the county cannot charge a separate fee for recycling and they must offer recycling services.

Part of our taxes paid to the city I'm sure goes to the upkeep and purchasing of new equipment as well as salaries for the city employees operating the trucks. I know somewhat recently they were piloting different tires for dumpster vehicles to extend the life of them and reduce overall costs.

It's very normal in my metro to pay for trash, recycling, tree limb and grass clippings pick up separately. Some HOAs include the cost in their dues though.

In my city on our water, trash and sewer bill that the city all has bundled up is also storm drain charge. My mom who lives in another city here pays that on her property tax bill. Ultimately same result.

 

[kdonnel]

you have to pay extra for trash? isn't that like part of paying your taxes?

There's ongoing pest control bills? I've owned a home for 20+ years and never paid a trash or pest control bill.
Home insurance here would be carried by the owner of the house. Each tenant would have to get renter's insurance to cover their personal property which is dirt cheap.

Trash is not always part of your taxes and handled by the taxing municipality. In some areas trash is a private contracted service. You have your choice of trash providers.

I have never lived anywhere that was bug free that was not being regularly treated for pests.

Yes I was referencing personal liability and renters insurance.

 

[CdnCarrie]

Trash is not always part of your taxes and handled by the taxing municipality. In some areas trash is a private contracted service. You have your choice of trash providers.

I have never lived anywhere that was bug free that was not being regularly treated for pests.

Yes I was referencing personal liability and renters insurance.

Like what kind of bugs? Like rodents?

 

[kdonnel]

Yes that does happen in small towns here but I think most residents get a pass without paying. Cities it's part of paying taxes. Maybe OP lives in a small town.

The counties and cities that make up Metro Atlanta, 6 million people, all operate slightly different. My county has forced a private service on everyone and it is billed as a fee to the property tax bill. So not a tax but just a combined bill. Other cities/counties provide trash service, others let the private industry serve.

 

[kdonnel]

Like what kind of bugs? Like rodents?

Roaches, ants, spiders, etc. I don’t know anyone who doesn’t either have a monthly or quarterly service. I know many who thought they didn’t need one, tried to do it themselves, and ultimately hired someone.

 

[CdnCarrie]

Roaches, ants, spiders, etc. I don’t know anyone who doesn’t either have a monthly or quarterly service. I know many who thought they didn’t need one, tried to do it themselves, and ultimately hired someone.

Probably climate related. My parents or I have never had such a thing but much colder climate.

 

[kdonnel]

Does your daughter pay the $20 for the phone, etc?

She won’t get her first paycheck until the end of August.

Our plan is to collect the money from her for things like the phone that would just cost her so much more to be on her own. We want her to be used to the expense for when it is truly her expense.

She has elected to have 6% go to her 403b and has structured her direct deposit so a portion goes to a savings account each month.

I told her it was important to save both for retirement and a rainy day. If you never get used to having the money it is so much easier to save.

 

[QueenIsabella]

you have to pay extra for trash? isn't that like part of paying your taxes?

There's ongoing pest control bills? I've owned a home for 20+ years and never paid a trash or pest control bill.
Home insurance here would be carried by the owner of the house. Each tenant would have to get renter's insurance to cover their personal property which is dirt cheap.

When we lived in rural, upstate NY, we had to pay for trash removal. We had older houses, so we tended to get mice (cracks in the stone foundations, etc.). The cats caught them, and sometimes we put out traps.

When we lived in New Hampshire, we had to pay for trash removal. The price kept going up, so we switched to taking it to the dump ourselves, and paying a per-can fee. Spraying for bugs wasn't necessary, and the house was better sealed up--the only critters that got into the house were ones brought in (still alive) by the cats. Mostly chipmunks.

Now, we live in North Carolina. Trash pick-up is figured in the cost of services. No rodents in the house, but we do get bugs--big bugs. Year round. They look like huge cockroaches, I have no idea what they actually are. We get the house sprayed, inside and out, quarterly (they go around the baseboards inside). Also, the pets need flea treatments monthly, year-round--up north, they were only treated in the warmer (non-freezing) months. The only other critters that get into the house are, again, brought in by the cats. I haven't seen a chipmunk since we got here, but geckos are really popular with the cats. The sort-of good news is, the one cat who's a stone killer tends to leave his prey outside, or eat it.

 

[disneychrista]

Another one we ran into was something that negates the point of roommates entirely and one that was totally new to me: requiring everyone on the application to meet the income standard individually. Which I can understand from the landlord's POV - that way, if one or more of the housemates moves out unexpectedly, you have some assurance that the one(s) left behind will be able to pay the rent - but which really sucks for young people thinking a roommate or two is a way to afford a place they couldn't qualify for on their own.

I actually wondered about that. Each person on the lease is 100% responsible to pay the rent. So it makes sense that each person would need to show they could pay the rent in their own. Same for co-signers, which is why I asked about the co-signer meeting the income requirements.