John: "PACE is a program that offers cheaper loans for energy efficient home improvements and green energy" Me: "Wait a second, we have a similar program here in Germany and it works pretty well. I have one of those loans! What on earth could be the problem here?" John: "It's administrated by private companies" Me: "Aah, there's the problem..."

@anmolt3840051

3 жыл бұрын

Lololol

@ecosta

3 жыл бұрын

I can’t see any sense on having the private sector administering public money.

@Blunttalker

3 жыл бұрын

Ich liebe Deutschland!

@mortuos557

3 жыл бұрын

know the feeling when everything feels like it sucks, but then you're looking at the US and it's like "not thaaaaat bad yet"

@Rob_Thorsman

3 жыл бұрын

Welcome to America, where privatization makes EVERYTHING worse.

Home Owner 101: if the contractor is approaching you, RUN away from them. Good contractors don't need to solicit jobs, they have waiting lists.

@edricaldones9639

3 жыл бұрын

Long waiting lists, too.

@SparkytehUnicorn

3 жыл бұрын

100%, my dad is a fantastic contractor and has never had to solicit for work in his life, this is a filthy practice.

@tridie420

3 жыл бұрын

PAINFULLY accurate. depending on how populated the area is, the good ones can be booked years in advance...

@maythesciencebewithyou

3 жыл бұрын

no guarantee that those with the waiting lists are good contractors, lots of shitty overbooked contractors out there. But generally avoid people who approach you to sell you something.

@goonymiami

3 жыл бұрын

@@maythesciencebewithyou But the guarantee is that good contractors have a waiting list, so the statement is accurate.

Pam's family room is one of the most iconic fails ever and I live for seeing it in any context. The ONE thing Pam requested for that reno? No brown palettes. She hated brown. #JusticeforPam2k23

@sadem1045

5 ай бұрын

She also did not want the original fireplace changed

As a contractor working in Texas (and potentially working with PACE loans for non profits), I appreciate you. Thank you for encouraging me to do the extra research to make sure I'm not screwing over people and organizations I care about.

@carolinesemerad9874

3 жыл бұрын

Thank you for being ethical and having integrity.

@RomeoX1000

3 жыл бұрын

Good on you Kevin

@SymunTee

3 жыл бұрын

This is literally my favourite thing I think I've ever read on the internet

@natalie_kendel

3 жыл бұрын

Well done!

@ThatSB

3 жыл бұрын

And remember: The easiest way to convince people to pay for your services through a Pace loan is explain how ethical you are!!

Huge shout out for breaking down a "home owner", I was really confused what that term was referring to. I had to take out a sub prime loan to afford my morning's avocado toast.

@fastd63

3 жыл бұрын

Thank you for skipping your morning SB latte, as a sign of our shared suffering.

@bluemoon9530

3 жыл бұрын

lol

@vannirob000

3 жыл бұрын

Those "homeowners" don't actually own their homes, the banks do, until you pay off your mortgage..then and only then are you a homeowner.

@PorcupineGirl

3 жыл бұрын

🥑 😂

@doggytheanarchist7876

3 жыл бұрын

They keep talking about millennial this and your generation that. My parents didn't own a home. Neither did my grandparents. Or their parents. It's a bit tiring that we all keep pretending like poverty and lack of proper housing is something new. Afaik it's as old as capitalism.

Depression Tonight with John Oliver is my favorite show on HBO.

@trickwillis

3 жыл бұрын

Bi-Polarizing edumaintainment kicksoff my manic Mondaze

@plantpowered269

3 жыл бұрын

"Why you should never move to the US" with John Oliver

@bertoandon9681

3 жыл бұрын

Yeah but I kind of miss incest of thrones when it was still good though

@angeluscorpius

3 жыл бұрын

I need him to remind me that life is not all cat videos on KZread... and to have an excuse to drink.

@helloSanders

3 жыл бұрын

legit just makes me feel bad, can never watch it all

"If you're born after 1985, you don't get to buy a house" *laughter gradually turning to crying*

@seigeengine

3 жыл бұрын

Honestly, I feel like this generation might have great prospects at home ownership, because of one simple factor: remote work was, even before the pandemic, but especially now, a way bigger thing than it ever was before. You no longer need to live where you work, meaning people can freely migrate to places with cheaper housing and cost of living, and without commutes, the cost of working is far cheaper. Consider that the average commute in the US is about 30 minutes each way. That's an hour a day. Not only does that increase the time you have to devote to working, but, if you drive, based on US government estimates of driving speeds and total cost per mile, that costs ~$25 every work day. That means, over a year, not having to travel to and from work alone would save a typical American over $6000.

@michmiranda9405

2 жыл бұрын

😭 i was like JOHN WHY ARE U SPEAKING DIRECTLY TO ME AND THEN MY EYES STARTED WATERING LMAO

@darwincity

2 жыл бұрын

@@seigeengine That is a good point.

@amandas2639

2 жыл бұрын

Born *in* 1985 here, and...yeah, same. I've never felt so personally attacked before. THANKS, LWT!

@callenhaines565

2 жыл бұрын

I started laughing as he explained homeownership to the under 35 crowd, but then tears started to drop as I realized just how true it was.

I adopted the “In matters of finance, assume everyone is trying to rip you off” mindset years ago. It’s worked okay.

@WorldsOkayestSorcerer

3 жыл бұрын

@@Airborne_Airassault Tail-end Gen-X kid who grew up with Carlin as his prophet here, so I can dig that.

@iheartjbgccb

3 жыл бұрын

That's what is happening lol. Work in any sales job. People fall for it

@ironsnowflake1076

3 жыл бұрын

Total paranoia is total awareness.... _my life mantra_ 🤨

@WorldsOkayestSorcerer

3 жыл бұрын

@@ironsnowflake1076 Or psychosis 🤷🏻‍♂️

@andrewb214

3 жыл бұрын

hell yeah man

I started laughing as he explained homeownership to the under 35 crowd, but then tears started to drop as I realized just how true it was.

@MrKogline

3 жыл бұрын

I'm 35 right now and in a year or two I'm buying a house. So I guess I made the cut, just barely.

@JamesBlitz00

3 жыл бұрын

Hit home... am 34.

@thrashercandy

3 жыл бұрын

Same same

@TheCityCesspool

3 жыл бұрын

Am 32. Soooo glad I did as I was told and went to college by trusted adults because it'll "have me set," apparently.

@TheDuality0fMan

3 жыл бұрын

37 here, and I think his cut off year might be a little off...

It's fascinating how even when the US tries to help its poor people, it still turns into a way for large companies to exploit them for money they dont have...

@Mlogan11

3 жыл бұрын

Viva le unregulated Capitalism.

@JealotGaming

3 жыл бұрын

@@Mlogan11 But muh free market capitalism that is totally good for everyone mann how will daddy musk make .1% more money otherwise :(((

@HobbesHobbiton

3 жыл бұрын

That's what you get when lobbyists and their dirty money can get into politics.. It's such a disgrace what this country has come to.

@kappadarwin9476

3 жыл бұрын

This is sadly true. I feel that the only way America can change is through a generational shift which means waiting for the Boomer electorate to thin out so Conservatives (and some democrats) won't be able to con a venerable voting block into backing big businesses cause "Reagan said Government was the problem"

@tranquilisimo8774

3 жыл бұрын

Soooo, nothing new

Here's a tip. If you see a commercial about it, or someone comes to your home advertising it. Doubt the hell out of it. Proper government assistance programs are rarely if ever advertised in a significant way.

@meingutername2158

3 жыл бұрын

Good hint. If its advertized by private companies, they make money from it. If they make money from you as customer, there is a very high probability that you are the intended source of the money they make.

@boopthesnoot_boop

3 жыл бұрын

People see Obama and think it's positive.

@donrobertson4940

3 жыл бұрын

It would be a great program for a family with kids and high power bills. But older couples who aren't using much power? And in the socialist republic of New Zealand, you need to be given a paper copy of the agreement, and you can cancel within five days of receiving the written copy for any reason. Wish we had your freedom.

@hectortroy8671

3 жыл бұрын

@@donrobertson4940 Don't be a moron. An elderly or disabled person who got conned into this scheme isn't going to wise up within 5 days and demand cancellation. The problem here is that companies have zero accountability in the US not that contracts are in effect within 10 seconds.

@Socrates2851

3 жыл бұрын

Yep. Look for people that say "no money down"... That means you may not pay upfront... Because you'll pay later.

John wanted to put the whole phrase "Fuck Off" backwards, but then realized it sounded the same with his accent. Which only makes it more beautiful.

@geodat14

3 жыл бұрын

Mark knoll

@user-yv2cz8oj1k

3 жыл бұрын

You will find that a Ffo Kcuf (pronounced Faux Cuff) is the Germanic term for a piece of clothing introduced to fashionable society in the Edwardian era. ;)

@ernstehrlich6955

3 жыл бұрын

Doesn't John Oliver speak the original English and the American accent is the accent? :D

@hectortroy8671

3 жыл бұрын

@@ernstehrlich6955 Maybe Google that question because it's not nearly as clear as you make it seem.

@robertcampbell8070

3 жыл бұрын

@@ernstehrlich6955 There's speculation that the North American accent, specifically the original colonies/states accent is actually the accent people from the UK would have had in the 1700's, and the current british accent was a posh, high class accent that people imitated to sound more posh themselves, becoming the accent we know today.

Mortgage broker here. Every single client that I have worked with that had a PACE lien on their home were never told that they would have an increase in payment due to the increase in property taxes. It is crazy how they can get away with telling the homeowners little to no information about the financing so they can make an educated decision. It’s like as if they actually knew the whole picture, they would realize this thing is a scam…

@wow7254

3 жыл бұрын

Good thing we can only get scammed for our money lol wtf why

@puellanivis

3 жыл бұрын

Yeah, Ygrene saying that they haven’t personally foreclosed on any properties is just rich AF. They know damn well they don’t have to do any of the foreclosing. Failing to pay or property taxes, or your mortgage means either the state or your mortgage lender forecloses. With a priority lien, you don’t have to do shit about anything, because you’re going to get paid first and foremost no matter who forecloses on that property.

@Author.Noelle.Alexandria

3 жыл бұрын

I wonder what the banks would do if the loans taken are more than the house would be worth to the bank. Would they spend the money to foreclose when they’d get nothing, or just forgive the balance of the loan to fuck Ygrene?

@BigBossBernie

3 жыл бұрын

@@Author.Noelle.Alexandria Doesn'T really matter as tax offices *have* to go and foreclose, so banks and Ygrene can just sit back while the tax payers shoulder the costs.

@dumpygoodness4086

3 жыл бұрын

NOT ONE SHRED OF THIS IS LEGAL. Systemic fraud, systemic malpractice, and on and on. THE PROBLEM IS.... THESE HYPER-CAPITALISTS......used OUR TAX DOLLARS.......TO FUND THE LARGEST ARMY OF "POLICE" IN HUMAN HISTORY........to keep us Americans IN PERPETUAL SERFDOM. We can stop this with ONE sentence. "We the people give you 30 DAYS to return at least 10 TRILLION of our stolen dollars or else we Boston-Tea-Party all your mansions and yachts."

“Your houses pay for them” is analogous to “Don’t mind student loans because your diploma pays for them.”

@JovanDacic

3 жыл бұрын

Don't give them ideas.

@chrisprilloisebola

3 жыл бұрын

i mean if you get a shit degree then yea good analogy

@dontmisunderstand6041

3 жыл бұрын

@@chrisprilloisebola It's not just shit degrees. When I was in high school they'd take several hours per year to have us do career planning. My first choice was a career in nuclear physics, but I did the math and found I wouldn't be able to pay back the student loans until I was in my 50s. Same was true of aeronautical engineering. And astrophysics. And chemical engineering. And that was assuming I got a high tier job in the industry the moment I graduated, and live the instant ramen and water lifestyle until the debts were paid. For context on how accurate you should expect my math to be... I discovered calculus on my own when I was in middle school by noticing patterns between numbers. I didn't seek to learn about it, I literally figured it out on my own without knowing it was a thing to begin with. My *average* score on math tests was 100% throughout my entire schooling. There's almost no chance it was the math that was off... I triple checked.

@loganhurley5590

3 жыл бұрын

Worse. It's way worse than that. They can't foreclose on your degree for not paying. Eventually dig your way out, you're okay. But after foreclosure on home loans, you don't ever get your home back.

@janoraj4667

3 жыл бұрын

@@dontmisunderstand6041 guess you entered IT then? Made a good career.

I love John Oliver because you can sum him up as having an unassailable hatred for anyone that takes advantage of vulnerable people, which I think we can all get behind

There's a special place in hell for people who go for the old and disabled to trick them into paying for something.

@seanmatyas3938

3 жыл бұрын

Isn't that a U2 song? "The God I believe in isn't short of cash, mister"

@pingidjit

3 жыл бұрын

I don't think they were trying to trick them into paying for something. Sounds to me like they were trying to trick them into losing their house in foreclosure and then reaping the finances of the sale. Literally trying to screw elderly/sick/poor people into homelessness. Fuck these companies.

@Saabjock

3 жыл бұрын

People who do those kind of things should be breaking rocks...in a prison mine...or better yet, handed over to the swindled person's family members to explain their behavior...off camera of course.

@dinadan2569

3 жыл бұрын

No, there isn't. Hell isn't real. And even if hell were real, why should the victims wait until these conmen die for justice? P.s. I know it's just an expression and I sympathize with you on the message, but language matters. And this expression implies there is nothing we can do about that. There is.

@feraflauna3238

3 жыл бұрын

@@pingidjit That's exactly it. These people go after elderly, disabled, etc. people for a reason. They are easier to manipulate. Those people don't have as much resources in order to know they are being duped into what is essentially a bad sale and they are less informed about the risk these programs impose. When someone goes knocking on their door, they hear what they have to say and think this is a pretty good deal, I get an upgrade to the house and my property taxes will pay for it. They don't suspect these people are salesman who have a very vested interest in deliberately withholding important information about the program: that these people may not necessarily need the renovations (aka it's a good fix but not extremely necessary to preserve the foundation of the house), that their property tax can skyrocket astronomically from this program where the upgrades don't turn out to be anywhere worthwhile, or that legally, they could lose their home to this program. These companies deliberately PREY on the most vulnerable because it's easy money. "Like candy from a baby" and all that, where you wonder how many times they have stolen candy out of a baby's mouth. And they bend over backwards to justify what they did to the vulnerable they deliberately target for their vulnerabilities by insisting that those people "should've known better." They target the vulnerable and exploit and game a very broken system but it's "not their fault." Just even on this show, this story is so tired and plays out way too many times.

I love that George Clooney summoning has become a recurring bit.

@imaginary_Kyle

3 жыл бұрын

Came scrolling through the comments for exactly this.

@ryanroberts1104

3 жыл бұрын

Probably pre-recorded like 30 takes.

@GalihRivky

3 жыл бұрын

I want more

@Manacra13

3 жыл бұрын

@@ryanroberts1104 god I hope so. That means we’ll be getting this for like the rest of the season minimum.

@FishoD

3 жыл бұрын

Last year it was Adam Driver, now George Clooney.

“If you’re born after 1985, you don’t get to own a house” Yeah and rent keeps increasing too. 😡

@NicholasLittlejohn

3 жыл бұрын

Have to protect Wall Street profits

@danaperry6646

3 жыл бұрын

Yeah it’s not like our wages keep up with inflation too what a load of horseshit. Every year my money goes less farther than before. I’m so angry and depressed all the time because of crap like this.

@HLBear

3 жыл бұрын

Some of us older folks are with you. Let's have solidarity against rental costs!

@sor3999

3 жыл бұрын

Rent = someone else's mortgage. Lots of landlords don't own their properties. The banks do.

@kalexambing2507

3 жыл бұрын

sor3999 then the banks are charging entirely too much.

I've helped in the design of one of these programs in a Canadian municipality, and the difference in standard of care is amazing. A few examples: 1) Mandatory independent energy audits before (and after - to verify work done) the retrofit 2) Customer is provided with a customized business case before work commences and contract is signed 3) Retrofits must target greatest energy bang-for-buck opportunities first 4) Maximum 30% of the loan can be for non-energy reduction improvements, and only for approved upgrades (like sump pump installation; so no kitchen renovations) 5) Contractors must be municipality-approved, no for-profit administrators. I'm a *HUGE* proponent of PACE programs, their potential for good is exceptional, but absolutely see the need for exceptionally strong customer protection provisions.

The recurring Clooney bit is PRICELESS.

@arcynic-education3221

3 жыл бұрын

Does it almost as well as Eric Andre

@webby37

3 жыл бұрын

When did this first start?

@_mstang

3 жыл бұрын

@@webby37 the Sponsored Content episode

@The_fusion_physics_guy

3 жыл бұрын

Gets me every time

@NathanGracie-Raitt

3 жыл бұрын

Agreed, but a (very) small part of me is missing the recurring Adam Driver bits.

Whoever wrote that “gentrify jazz” joke deserves a raise. That’s top notch.

@ddomi008

3 жыл бұрын

I definitely laughed out loud because it's true.

@pop130

3 жыл бұрын

Agreed

@whitestguyuknow

3 жыл бұрын

Conversely whoever wrote the "At least the reporter knows what it's like to be a woman on the street that doesn't smile back" needs to be demoted lol That was such a weak reach to end up not even being funny

@KrasMazovHatesYourGuts

3 жыл бұрын

@@whitestguyuknow Wow. Talk about saying so much with so little.

@ambre2496

3 жыл бұрын

@@whitestguyuknow It might be the same dude, would that make it even ?

“Your life is sad and that’s okay” Just the way I want to start my Monday 😅

@hulagu3068

3 жыл бұрын

He's lying it's not ok

@KevinP32270

3 жыл бұрын

HAAA LOL

@bakij2c

3 жыл бұрын

I'm glad/sad he jumped into the point that millions of us will never have this problem

@ThePanuccio

3 жыл бұрын

@@bakij2c you won't have but health insurance is an extremely similar problem you will have.

@thomascohen8887

3 жыл бұрын

This hit hard when he said it

Forget the whole Ygrene is energy spelled backwards, is sounds like you are asking "why green" which isn't exactly confidence inducing for a company in that sector...

@Sp4mMe

3 жыл бұрын

I'm mostly thinking of Gangrene ...

@robertblokdijk901

3 жыл бұрын

Marjory

@Mikeyprs21

2 жыл бұрын

Oh shit... Touché!

@Secret_Moon

2 жыл бұрын

Not mentioning energy going backward.

@mivesleskeuy1706

2 жыл бұрын

That gives me a MI-GRAINE 🤪

"If you were born after 1985, you dont get to own a house" Me who was born in 1986 still renting an apartment 😭

@keanureeves3902

3 жыл бұрын

Thanks for following me tex me your WhatsApp number for good conversation

@michelekett8450

3 жыл бұрын

Same thing in Australia where house prices are amongst the highest in the world. People use home owning as an investment, renting out the second or third house and getting a tax break from the government. A house is now an investment not a home,

@RayasNegroOvejas

3 жыл бұрын

@@michelekett8450 Same here in Sweden. I've thought since at least a couple years before the pandemic that there's some kind of bubble… the prices have kept on going up. The pandemic acted as a break but recently it have gone up again, more or less like never before

@helenl3193

3 жыл бұрын

Yup, born in 81 in London, UK, and still a renter. Not only that, my dad, who is 78 is in social housing (renting from the local council at lower than market rate). I don't know about the USA, but this idea that everyone who worked f/t used to be a home owner has never been true in the UK.

@ms.bunniesarecute2287

2 жыл бұрын

@@keanureeves3902 ohhhh how much I wish you were the real Keanu lol

"So the government hired private companies to handle the financing" I think I've pinpointed the exact moment where things started to go wrong

@LithFox

3 жыл бұрын

This seems to be the one thing that both Democrats and Republicans like to do with bipartisan support.

@PorcupineGirl

3 жыл бұрын

@@LithFox Democrats and Republicans are strictly adversarial for show. Once you enter echelons of that caliber, everyone’s in the same pocket.

@rsmith02

3 жыл бұрын

It's not just the financing it is the program administration. In my state we never got residential PACE off the ground but the state has a quasi-public entity that oversaw the successful commercial PACE program. I totally agree that's the make or break- how the programs are run and how tough the oversight is.

As a Florida resident, I get letters and knocks on my door pretty often about this. I've always felt like it was a scam, but didn't look into it further. Thanks for this video

@42Mrgreenman

3 жыл бұрын

Yeah, Floridian here too. My 96 year old grandmother gets calls about solar panels LITERALLY every day...

@judypolstra

3 жыл бұрын

Same here! This is infuriating

@willie8811

3 жыл бұрын

I sell pace it’s really only meant for people with terrible credit who need a loan for renovations. It’s able to be spread out long term so payments are small. A lot of people own homes with no home insurance so pace is the only way to get a new one without having to move out. It’s put into your taxes so you should expect to pay 600-1000 a more a year. I sell it to people who need it. If you have any credit get a loan through a finance company. There are companies that are not explaining it clearly and people are losing their property hence why it’s not allowed in Hillsborough and why John made this. Pace isn’t a scam it’s the terrible salesman that don’t take their jobs serious and just screw over homeowners giving people like us a bad rep.

@necr0danc3r29

3 жыл бұрын

I naturally think anyone coming to my door selling something is scamming me.

@willie8811

3 жыл бұрын

@@necr0danc3r29 a lot of people do but with home insurance repairs most people won’t use it to fix their homes and by the time they want to use it the insurance won’t cover it because of age so we have to go out and tell people that before they come out of pocket 20-30000 or get stuck with a pace loan because they have bad credit and no insurance

I’m rewatching this because a company tried to lie to me about a job. The job was to get people to get solar panels. So glad I remembered this episode before I signed up to work for them.

The bit about the guy with intellectual disabilities being taken advantage of just because he invited people in because he was lonely was frankly some of the most heartbreaking stuff you'll ever hear.

“Nobody should be losing their home because of an air conditioner. They should be losing their home because of medical bills like an American.” … That statement is painfully true.

@sparklingraine

3 жыл бұрын

We all saw that Last Week Tonight episode on bankruptcy with the mother who went into debt because of her deceased son's medical bills and by golly that hits right where it hurts

@JeffReams

3 жыл бұрын

@@sparklingraine 100%

@leok7193

3 жыл бұрын

Well, while our medical expenses are way too high for a lot of reasons previously discussed on the show... ... do people people ever say "well, I lived a good life..."anymore? I've seen too many people complain about how expensive their treatment was, but why not sit back and contemplate: what's my life actually worth? If you just assume it's "infinity" then you're a selfish asshole, especially if you have a family. I can understand if your back is f'd and you go through 5 surgeries knowing you're going to saddle your family with hundreds of thousands in debt, lose your home or whatever. Maybe it's good to draw a line and say that you won't pilfer your kids' inheritance just to fight a terminal disease or alleviate discomfort. Just food for thought. A lot of these procedures didn't even exist a few decades ago because they're so complex and people could accept it then, but now that it exists they can't seem to, even though added complexities almost always mean a lot more expense.

@Kleyguerth

3 жыл бұрын

@@leok7193 Oh yes, take your time to think through if you want to keep on living with debt or just die and leave something to your kids... Even better if you do it while in a coma from the accident you just went through! That makes total sense, die for the economy and all.

@CalvinsWorldNews

3 жыл бұрын

I've experienced the UK and US systems and they're both horribly but equally broken. I generally see the American problem as a lack of availability to cheap sub-standard care that is affordable and similar to crappy government healthcare. As in you pay half as much but there's a 2 month wait for that cancer screen (where they tell you that you'll be dead soon because it's too late) or you're not allowed breast scans until you're 50. The UK is very good at certain things like childbirth or car accidents, but the cancer stuff is terrifying and the US is the only country I'd ever trust for treatment.

So, basically: the government run program went really poorly when they turned it over to private companies. Yeah, I'm pretty sure I've heard this one before...

@anmolmaniyar6868

3 жыл бұрын

No one is surprised. It's these wealthy people who influence legislation when the terms are being defined. End consumer is not taken into consideration, and that's where the end consumer loses.

@nirpy

3 жыл бұрын

If you keep hearing this one, then maybe you got the cart before the horse.

@brad7566

3 жыл бұрын

Only Mr corporation, Obama himself could do that

@arisenspirit

3 жыл бұрын

@@brad7566 you say that as if trump wasn't a corporate puppet that had given control of public instructions to corporations. why do you think we don't have net neutrality anymore? first week we had lost it internet companies were extortioning firefighters for more money than what they had paid already during one of the worse fires in history

@WeAreAllWittness

3 жыл бұрын

Annnnnnnddddddd people don't learn and still vote the same.

18:30 “the flaws in the system are baked into how it operates” should basically be the motto of this show at this point

We have a similar program in Ontario. The first step is that an energy audit is conducted by someone who is not a contractor, so people get advice from someone who will not profit personally!

@TheJuniorAccountant

3 жыл бұрын

The energy audit is not from a reasonability standpoint. They will list the energy savings of each component but will not do a cost benefit analysis.

"No upfront cost" is how most terrible financial decisions begin.

@raghavgiridhar8387

3 жыл бұрын

Truer words have never been spoken.

@JjMmGg35

3 жыл бұрын

Exactly. How people end up paying double for a new or used car.

@tyleralmquist7606

3 жыл бұрын

Most bad decisions do start that way, but it can occasionally be useful and work out well

@oreojsn92

3 жыл бұрын

FACTS. 6 years ago I leased the car in my profile pic for $0 down when I was 22. I had good credit and didn't have many bills, but I didn't realize how much of a burden the $420 payment was until I moved out of my parents house. As much as I loved that car, I was HAPPY to get rid of it.

@Palestineexists

3 жыл бұрын

Like a slimy car salesmen “We can make the monthly payment whatever you want” as they convince people to buy a fully-loaded Toyota/Honda for 45K over 10 years.

On a less serious note: I love that George is still playing along

@daniellewilson8527

3 жыл бұрын

Me too

@laureljackson9989

3 жыл бұрын

@@daniellewilson8527 eee

@HariPillai

3 жыл бұрын

Same here. Why not more comments on this part 😀

@Vegan4Everything

3 жыл бұрын

Playing along? Why, he always seems rather up in arms whenever John chimes in. _I really think they had ought to pull the plug on that part of their program!_

@FinalSentinel

3 жыл бұрын

I just want to know how many of those prerecorded clips they got him to make

I really hate how accurate John was about renting an apartment and paying off student debt. Thoroughly attacked. Joke is on him though...I don't have any hair to part. Lost it all to student debt. Now to watch tiktok where all the creators are 10 years younger than me and look happy. What is happy John? I'm 36... :(

@jv-lk7bc

3 жыл бұрын

"What is happy, John?" should be the show's tagline.

@WABRECORDS

3 жыл бұрын

Go and get your anti depressants dude

@seanmatyas3938

3 жыл бұрын

Move to a better country. What America does isnt normal.

@epotter397

3 жыл бұрын

Canada sucks too :(

@casualeann

Жыл бұрын

@Chris Whitman PREACH!

It doesn't make sense that a PACE loan can get priority over a mortgage loan. They home isn't technically owned by the person signing yet. The mortgage lender should be notified before it is entered in to. It's nonsense that it would be allowed.

@Kraus-

3 жыл бұрын

That's a 100% legitimate point. A lien like that seems like something the mortgage lender would have legitimate concerns about.

@TELEVISIBLE

3 жыл бұрын

Obama and Joe Biden gang is behind it !

@whatnoise3863

3 жыл бұрын

@@TELEVISIBLE You still believe the two parties are separate lol

@cmr053

2 жыл бұрын

Lean not loan

@KK-pm7ud

2 жыл бұрын

@Phoenix 𝙾𝚙𝚎𝚗 𝙼𝚢 PROFILE And thank you for being a great citizen. Doing the diligence to make sure that you are doing something you feel is right is what makes good people like you important to making the country great.

When the number of calls to "install solar panels at no cost to yourself" are similar in frequency to "we're been trying to reach you about your car's extended warranty" then you know it is a scam of some kind.

@dumpygoodness4086

3 жыл бұрын

BIG SECRET: BY LAW, anyone scammed in ANY way is owed huge damage$ from....ALL Law Enforcers (LEOs).....b/c we paid them trillions...to do ONE JOB....and even all LEOs say "um, we never ever ever once did our job right!" ALL THOSE PENSIONS BELONG BACK IN OUR POCKETS, not the do-nothing lazy Kops.

@sethbomgardner9030

3 жыл бұрын

Actually, the solar panels thing can be legit. They pay all the costs for the solar panels and install, but they get money from selling the electricity. The difference with solar panels is that there is a ton of calculators online (some independent) that you can use to calculate pay back times. Now windows, renovations, etc; you're not recouping your money.

@valoriethechemist

3 жыл бұрын

It’s worse. The scammers are the government that allowed these tax liens to steal people’s houses over a home improvement project. We can’t even prosecute the teal culprits because of legislative immunity. If the right wing senators who forced this to be this harsh and include private companies in the program had to give up their homes to these people the program would have been made properly in the first place and we wouldn’t have to be realizing there’s yet another way for scumbags to steal the American dream from people.

@notme2day

3 жыл бұрын

@@sethbomgardner9030 your comment seems off .. you said the legit company's pay all the cost and make the money selling the electricity then say there are calculators online to work out your payback time .. which is it?

@notme2day

3 жыл бұрын

@Kilo Mintoni you are right and a bonus is NEW WINDOWS can be and are a selling point on older homes.. plus the benefit of lower electric bills due to home being more energy efficient .. not sure where Seth is getting his info.

You hit a nerve with the heath inspector inspecting themselves. Fun fact, the University of Michigan in Ann Arbor does their own health inspections. They gave me food posioning in undergrad bad enough where half my blood volume had to be replaced in the Emergency Department. When the county found out they hadnt done a health inspection for a year (and didnt pass that one) they said. "Hmmm that doesnt sound right, but we dont have jurisdiction. They university does."

@shesaknitter

3 жыл бұрын

That's horrible! Glad you survived to tell us about it!

@robertbrown5207

3 жыл бұрын

Go Blue!!

@benedictifye

3 жыл бұрын

Holy crap

@AlbinoBlueSquirrel

3 жыл бұрын

The Michigan Difference

@cavemanvi

3 жыл бұрын

CALL A LAWYER

This reminds me of my elderly dad who got scammed into signing a contract with Deal Find (in Toronto) and 3 years later was forced into selling our restaurant because of the money he lost/owed in debt. He died in 2018 with some of his last words being "we must still get our money back from Deal Find." Just sad 😔

Who remembers when Trading Spaces revamped a kitchen, belonging to a PASTOR who did NOT approve of alcoholic beverages, by wallpapering it with WINE LABELS😳!

@AndyGilleand

3 жыл бұрын

😂

@linosclassics

3 жыл бұрын

I don't see the problem, isn't wine the blood of Christ?;-)

@lauralake3209

3 жыл бұрын

That one was good

@mrsscreamgirl5332

3 жыл бұрын

I've never even heard of this show bevore but it sounds like they just f*ck up your home for fun

@GiftedContractor

3 жыл бұрын

@@mrsscreamgirl5332 near all the episodes everyone walks away happy. People talk about the ones where someone is upset because they're rarer and therefore more fun. Basic premise is two families pick a room they want renovated and give some ideas and styles they like, then they swap homes and each does the others renovation

I'm a contractor. I've never knocked on someone's door before looking for work. I'm usually answering the phone overwhelmed with all the inquiries for more work. This is how a real contractor works

@drextrey

3 жыл бұрын

Make sense, those soliciting works probably never have a returning customers and never had a good free advertising/recommendation from a satisfied customer. 'Cus they are shitty.

@KevinP32270

3 жыл бұрын

BOOM!

@mn77393

3 жыл бұрын

Word of mouth, especially in smaller communities, is how good contractors rise to the top.

@griffenspellblade3563

3 жыл бұрын

This is why you don't trust any contractor that walks up to your door. PACE sounds a lot like the fly by night bozos that try to scam people after hurricanes.

@jf6962

3 жыл бұрын

I love it when I call a contractor and they are like.... I can't start for another 2 to 3 months. If you are busy chances are you are good.

Was not expecting that George Clooney callback from a previous episode, what a pleasant surprise

@lavrentivs9891

3 жыл бұрын

Not for Clooney it seems =P

@DN_13

3 жыл бұрын

Meh. The jokes on this show are borderline awful. The research is great and the stories are spot on. But John isn't that funny and his writing staff is bland.

@veryberry39

3 жыл бұрын

I enjoy this one much more than Adam Driver.

@kevinmorgan2968

3 жыл бұрын

Easy to show up when it’s in a theater, you own, and with a camera crew… paid for by the studio. This is just exactly the same nonsense Oliver rants against. This is Jon Stewart all over again. He will leave us.

@mikolajwitkowski8093

3 жыл бұрын

Perfectly fine British humour. I enjoy the jokes a lot.

"Netflix's own Barack Obama" almost made me choke on this muffin.

"We truly live in the best possible system" Come on John... That was a perfect "Darkest Timeline" moment!

Can we appreciate that there are no ads on his videos here, not a single one 🙌

@Moiso25

3 жыл бұрын

This deserves more likes!

@kristasimpson3139

3 жыл бұрын

Hell yea! I was viewing the video and so into it I didn’t even notice, but you’re absolutely right and it’s awesome! But why is it that there aren’t any on this video?

@island03z

3 жыл бұрын

@@kristasimpson3139 probably because they deemed the information really important and took away any deterrents to these people getting this information. John Oliver, you the real MVP.

@Artorias.2210

3 жыл бұрын

@@kristasimpson3139 This channel is not monetized on KZread. I think this is to spread awareness about topics that they discuss here. And Obviously, HBO has a lot of money.

@AGS420CR

3 жыл бұрын

On Firefox for Android you can install Adblockers to prevent ads, if you're watching on a PC there's a Chrome extension to avoid ads on videos in KZread as well. Almost every browser somehow has the option to avoid ads.

America is lucky to have John Oliver. This show is basically a "To-Do" list for this country!

@PatrickPierceBateman

3 жыл бұрын

And also incredibly depressing if you actually live over here.

@xractertone8095

3 жыл бұрын

A to-do list that keeps getting longer and we keep failing to complete....

@thegreatestchigone5813

3 жыл бұрын

@@PatrickPierceBateman that’s why I (a Brit) love it, I don’t feel like my country’s so bad after all

@MrTylersmash

3 жыл бұрын

A to-do list means nothing if republicans are going to block anything that actually helps us.

@Midnight-Starfish

3 жыл бұрын

@@thegreatestchigone5813 Do the Brits ever look at our country and think, "Whew. Bullet dodged, am I right? They could have been a part of our country if they lost that war they had with us at the start. That was a close one."

600 to 10K like that. That's sadly as American as apple pie these days.

@CameronBrtnik

3 жыл бұрын

*600 LB

OH MY GOSH I remember seeing that TS episode on TV years ago and it’s lived in my head rent-free ever since. It is something else. I would pay to have John Oliver do a full episode on that full episode.

@keanureeves3902

3 жыл бұрын

Thanks for following me tex me your WhatsApp number for good conversation

"Your life is sad and that's okay" is exactly the kind of support I need right now

@rochester212

3 жыл бұрын

Hey my life sucks too. Guess there's more than one of us around??!

@deborahbranham-taylor6682

3 жыл бұрын

Yep. Our name is legion, for we are many.

@exploration4

3 жыл бұрын

Same, fam.

@n0vi

3 жыл бұрын

Dunno, knowing how good John and his team have it financially while uh REAL families literally suffer *eternal renting* with pests, threats and a constant shadow overhanging them. I definitely stopped watching when he said to, fuck this

@MsScarletwings

3 жыл бұрын

@@n0vi You’re gonna actually melt and go tantrum over a slightly dark humor but genuine acknowledgement of that very real suffering? So much of this show is literally bringing awareness to and uncovering the root sources of millions of real people’s problems like that and worse.

“For wall street it’s an almost guaranteed return” There’s our favorite bloodsuckers.

@djs2085

3 жыл бұрын

It's not just 'almost' guaranteed. It is guaranteed. Lenders don't just invest the debt in stocks. They sell it to financial institutions. Lenders get off Scott free even if the loan defaults. Then the financial institutions package the debt into CDOs that retirement funds invest in. Basically they sell bad loans back to us in our 401ks and when the borrowers default our retirements tank. Everyone loses but wall street.

@abiyoyo9831

3 жыл бұрын

If you think “Wall Street” is a bloodsucker, you are completely ignorant of economics, finance, and business (yes, these are completely separate fields with minor overlap).

@ryangallagher6356

3 жыл бұрын

As soon as he said that I thought 'oh that explains Obama's influence now!

@abiyoyo9831

3 жыл бұрын

@Rick Ton What is the accumulation for force of interest? If you can’t answer that, you really don’t know much about finance or “Wall Street” as you put it.

@vincentmuyo

3 жыл бұрын

Hey, that's what they thought in 2008. That turned out well for everybody.

I somehow want to think Last Week Tonight helped that couple get their home back. An European court would have declared that VOID straight away. Every person has the right to have a proper house or shelter. And a tent does not sound exactly like one of them.

I've never even heard of this fuckery. Why are people so greedy and dishonest. Like it takes no effort to not be an asshole. I'm kinda glad my grandma doesn't trust anyone ever to not get suckered into something like this. And yeah John, I don't own a house and I'm 37. Prob won't for a long time. Thanks for rubbing that it haha

@niknelson2464

3 жыл бұрын

The system we currently operate under incentivizes this behaviour. Even if every person started out chill and didnt make an effort to screw others over, the system will over time begin to do this no malice required. If change is to be made, it has to be bottom-up systemic changes, not individual choices.

I roll my eyes at European consumer protection laws a lot, but thank the fuck we have them. A German judge would look at those contracts and go: "void"

@nefertirilsm3406

3 жыл бұрын

I wouldn't touch American Consumer Laws even if I was paid too....

@matejlieskovsky9625

3 жыл бұрын

And then there's all those "no door to door soliciting in this town" signs around here in Czechia. Yeah, EU law might not be perfect, but there are some rather neat parts of it.

@navajoguy8102

3 жыл бұрын

Yeah there are virtually no consumer protection measures in the US. Its why so many of our retirees get scammed in the open.

@kateolanrewaju3683

3 жыл бұрын

@@matejlieskovsky9625 they are people centric not greedy profit centric.

@ppunion

3 жыл бұрын

I don't roll my eyes at EU consumer protection laws. I celebrate them. Especially when it comes to data protection.

The story about the old guy signing the contract just because he was lonely made me deeply sad

@costyclaro3029

3 жыл бұрын

yeah, me too, but the fact that some ahole decided to take advantage of that fact makes me want to get the pitchfork

@alandoane9168

3 жыл бұрын

That was the entire modus operandi of the 2008 housing crash.

@dumpygoodness4086

3 жыл бұрын

ENGLAND just created a Minister Of Loneliness (!!) to address the epidemic loneliness of the elderly and too many other people who feel despair every day! Murica said "DON'T hold my beer..... I'm drinking it all. That's why I'm so fat!"

@richardspillers6282

3 жыл бұрын

Happens all the time

"They came to my house, they said that I need the solar system." Nothing after telling someone they need the entire solar system is going to be good.

Capitalist hippie is about equivalent to a peaceful warlord.

@Damogen

3 жыл бұрын

nope, it makes perfect sense if you know what capitalism actually is. And I don't mean, "shareholder supremacy" which is the correct term for that horrid abomination that Americans refer to as capitalism.

@killaken2000

3 жыл бұрын

He'll rip you off but he'll be wearing a poncho and Birkenstocks while doing it

@professorpancakes6545

3 жыл бұрын

@@Damogen Hippies are supposed to love the planet, whereas capitalism is literally destroying it. How does it make sense?

@Damogen

3 жыл бұрын

@@professorpancakes6545 Capitalism is a tool, you can use it to destroy the planet or to save the planet. Except the "shareholder supremacy" version of capitalism that USA has followed for 40 years. That version is just extreme selfish greed.

@professorpancakes6545

3 жыл бұрын

@@Damogen Technically true, but the reality is capitalism is currently extremely deleterious to the planet. I'm not against it in theory, as long as it's highly regulated, but I'm certainly against it in practice.

Pam's renovation looked like a Living Room attempting to become a bathroom.

@alexanderwilliams7732

3 жыл бұрын

The poop colored tiles didn't help, did they.

@CassiopeiaOnYT

3 жыл бұрын

And horribly failed to look like any of them.

@srkh8966

3 жыл бұрын

I watched that episode when it aired😬

@toriless

3 жыл бұрын

more like public restroom at a train station

@KuiWagacha

3 жыл бұрын

Laughed like a teenager when I read this, tx!!!

At 45 I still feel alert enough to know this is a scam. “If it’s to good to be true…” But maybe in another 10 or 20 years I won’t be so lucky. This kind of preying on the vulnerable should have harsher punishments. These stories were so sad but the one about the mentally disabled man broke my heart.

@stevepittman3770

3 жыл бұрын

In another 10 or 20 years we'll all be renters anyway. :/

@brlealcoable

3 жыл бұрын

@@stevepittman3770 damn ☹

@msventurelli

3 жыл бұрын

@@stevepittman3770 savage

@theodorevibritannia7988

3 жыл бұрын

@@brlealcoable Yeah, it might sound depressing, but the reality is that capitalists are funding a lot of investment firms to buy up all the houses around the world, essentially creating the neo-feudalism where they are the new feudal lords and a permanent class of serfdom who has to rent from them. Unless we break up their wealth, capitalists will enslave all of humanity just like the old monarchs did.

@bhart3321

3 жыл бұрын

@@theodorevibritannia7988 sounds like a recipe for another Bolshevik revolution doesn't it? Communism is complete garbage as system of governance but given how much worse capitalism is as government it's hard not sympathize & once the 99% finally realize we're all in the same boat & stop fighting over petty crap like racial inequality (1% use racism to keep us fighting amongst ourselves) that we take our country & our lives back. They know this is why they've spent so much time & money militarizing the cops & our legal system to protect them from very angry very armed 99%.

Again, thank you. The best investigative journalism in America is done by a comedian.

I'm 49, never owned a home, and my chances to are disappearing quickly. Pray for me y'all.

@nz0z134

3 жыл бұрын

Never too late to make better choices

@thasoulspeakz

3 жыл бұрын

I didn’t think I would be able to due to the amount of student loan debt that I have. I was able to purchase last year. Don’t give up hope. You will be able to.

@hailmaryrecordings8255

3 жыл бұрын

I’m 51 … I’ve owned Two. I was never more miserable and broke.

@nz0z134

3 жыл бұрын

@@hailmaryrecordings8255 I've been a homeowner my entire adult life. Best financial move I've made. I'm 45 and have no mortgage payment.

@hailmaryrecordings8255

3 жыл бұрын

@@nz0z134 you probably managed to stay married too. 🙂 I had a wandering-eye as a younger man. It’ll cost ya’

"Conditions are primed for a disaster, but it seems like we're not doing anything to stop it." - Modern American politics described in one sentence.

@JonesCrimson

3 жыл бұрын

Doesn't help that of our two parties, one of them rejects all reform and instead wishes to reverse and remove previous legislature, including healthcare and the civil rights act. Really doesn't help that just under half of voters don't know which party I'm actually talking about.

@72marshflower15

3 жыл бұрын

It’s designed that way.. capitalism is planned obsolescence..

@katiekane5247

3 жыл бұрын

Boom!

@joshuacox534

3 жыл бұрын

end capitalism

@ChildrensRightsFirst947

3 жыл бұрын

@@JonesCrimson If all the right wingers in this country would move out, The U.S. would become a lovely place to live.

The nine most terrifying words in the English language are: "I'm a private company and I'm administering government money."

@Tustin2121

3 жыл бұрын

Most conservatives think the most terrifying words are “I’m from the government and I’m here to help you”. Which honestly might explain a lot of the reasons why we keep ending up here with crap like PACE loans.

@bartleydalfonso2853

3 жыл бұрын

@@Tustin2121 Yes, that quotation is from Ronald Regan who also chanted "Government is the problem, not the solution", which is why conservatives always want to abolish regulations which protect consumers. It's all Legalized Robbery.

@shesaknitter

3 жыл бұрын

@@Tustin2121 It also explains why so many people who think of themselves as conservative vote to keep anti-government government officials in office. It's insane.

@itsonlyafleshwound9024

3 жыл бұрын

Company: All of the potential profit, none of the potential risk! For me, its still all of the risk for you

@MattZaharias

3 жыл бұрын

*public money.

Holy shit I would love a contemplative jazz album from Kermit the Frog titled “Why Green” can we get a petition going for that or something?? Lol

John: It's a lien on your house. Me, having flashbacks to several hours of research on mechanic's lien: Oh I understand this now. One thing that wasn't mentioned is that liens on your property make the property almost impossible to sell until you get rid of them. In the case of mechanic's lien (a lien placed on the property in the case of a construction company/supplier/worker/etc. not getting paid for services they provided on a construction site), this generally provides incentive to quickly pay the claimant and, if the funds aren't there, often leads to foreclosure. This gets a bit more concerning in the case of private property, as it means you can't actually leave the property or even sell it even when it costs more than its worth.

Never talk to any co tractor who just knocks on your door and tells you that theres something wrong with your house. My gfs grandparents almost payed 50 grand to make their cellar waterproof even though there were no signs of any issue with humidity or mold at all. Thank god she told me about it so I could convince them that they were beeing scammed

@tobesvalois8873

3 жыл бұрын

Absolutely excellent advice. Door to door selling isn't something that reputable contractors do in most locations, and you shoul always extensively research any contractor that you are thinking of using.

@annebruecks7381

3 жыл бұрын

Scamming elders makes me so mad!!!!

@shannonhensley2942

3 жыл бұрын

I always just tell them I'm house sitting and I'm not sure when the owners will be back.

@jasonfuentz7681

3 жыл бұрын

@@shannonhensley2942 Just tell them your dog is hungry.

@stevepittman3770

3 жыл бұрын

I had a contractor knock on my door one day and tell me my roof needed replacing. I was instantly suspicious because my roof was less than 5 years old, so I asked a lot of questions. Turns out his crew was replacing the neighbor's roof as we spoke, and the neighbor had recommended us to the contractor in order to try to get a discount on her roof replacement. It felt so fucking sleazy, but the neighbor just didn't know any better and was already on the hook for a roof replacement she didn't need.

The cynic would point out that having people lose their homes is the entire point of things like this. It happened after the great depression once Bush left office, it happened just recently with the Koch's thing buying up real estate to rent out to people, etc. Enabling rich people/institutions to get their hands on property no matter the cost is the goal, not an accident.

@purelyconstructive

3 жыл бұрын

Bingo

@rsmith02

3 жыл бұрын

The cynic would be ignorant. This is a program that started with the City of Berkley, not Koch Industries HQ.

@purelyconstructive

3 жыл бұрын

@@rsmith02 While I cannot speak for the OP, I believe they are describing a general trend, not implying that one was the cause of the other.

@teresathayn5170

3 жыл бұрын

Gut Washington! It's full of thieves! Bernie would have changed things but the crooked dems couldn't allow that!

I had a PACE loan couple years ago. AC went out in middle of Florida summer and didn’t have the cash to fix or replace it. AC company told me all about this “government” program. Ended up being charged way more than I should have been (as I found out later) and had a nice lean on my home within an hour. Being under stress, money issues, and new borns in a house rapidly approaching 100 degrees can make you act rashly. Thankfully was able to sell home a year later and got out from under it. Actually that was another thing. Both the contractor and PACE loan people told me the debt stayed with the house. Turned out not to be true.

From show to show the same scenario repeats itself. A nice idea is born --> greedy private companies show up --> common people pay the price. Is this how the USA works?

@quote6013

2 жыл бұрын

Pretty much

I feel attacked by how accurate John is about being under 35. Big oof on that one.

@ilenastarbreeze4978

3 жыл бұрын

i was watching it on hbo and came here for comments legit like this , its also very sad and true

@oldschoolman1444

3 жыл бұрын

It's not an attack, it's just honest, and that can sting a bit.

@Gingersnaps67

3 жыл бұрын

@@ilenastarbreeze4978 I could go on and on. I work 5 jobs to stay afloat. I don’t use my college education at all. I am making my own way. More debt than I can count and credit in the trash thanks to a college that screwed me and medical bills. But I fight everyday to keep going. Can’t stop fighting.

@Gingersnaps67

3 жыл бұрын

@@oldschoolman1444 it’s just a turn of phrase. It didn’t sting it hurt. But I don’t take it personally.

@enegmatixerebro

3 жыл бұрын

Someone got tilted It's the majority. Not a single individual.

I remember that Trading Spaces episode. They specifically said “NO BROWN” & the designer made the whole room brown 😂

@kotoroshinoto

3 жыл бұрын

somehow it got changed to "only brown" Lol

@Damogen

3 жыл бұрын

emotions keeps people watching the show... it doesn't have to be positive emotions.

@alg9330

3 жыл бұрын

Oh no… that poor couple

@nidiaescobar2597

3 жыл бұрын

I was waiting for. Surprise!!!! It’s a joke.

@Warrenmitchum

3 жыл бұрын

Yeah well John we’ll never be completely honest with his messaging.

Missed opportunity by not using “ffo kcuF” at the end.

@alg9330

3 жыл бұрын

It would have sounded the same with his accent

I just had a cold call for this where they DENIED that a lien would be placed on my house . Outright denied.

Took me a few tries, but I was able to verify that Ygrene spelled backwards is indeed Energy. I did this by typing it in backwards letter by letter. Will double check again tomorrow just to confirm.

@kelseycoca

3 жыл бұрын

this made me lol

@heidiappe

3 жыл бұрын

Ahahaha

@mrgreen1198

3 жыл бұрын

thats excellent work sir.

@ryderfurpaw4201

3 жыл бұрын

Can confirm if it still spells energy backwards today?

@heidiappe

3 жыл бұрын

@@ryderfurpaw4201 I'm also curious.

That was actually an infamous ep of _Trading Spaces._ The woman had *specifically* asked the designer NOT to touch the fireplace. And while I like what he did, she obviously didn't... deeply.

@ChrisD__

3 жыл бұрын

What was special about the fireplace? Family heirloom type thing?

@EndPoliticalCorruption

3 жыл бұрын

@@ChrisD__ You know, I don't recall. Could have been, e.g. maybe father built it.

@frankbarrie6785

3 жыл бұрын

O damn, for real?

@amberhoward7807

3 жыл бұрын

She specifically said no brown.

@gfrewqpoiu

3 жыл бұрын

She specifically said that they hade the color brown and also that the fireplace is from her granddad and shouldn't be touched. She ended up strangling her neighbor.

2:05 That's why I decided a while back to pay off my mortgage _first, then_ finish my education. I'm 27. I own my house. While I'm paying off my SLD, I'll be comfy in my home, while everyone around me still lives with their parents or in an apartment... or their car.

8:50 this is why you can't just let the market regulate itself. That's like if doctors had a financial stake in the medicine they prescribed you. Genuinely. Imagine a doctor being a shareholder in an anti-cancer treatment, and telling you you have cancer and have to go through chemo.

Ygrene being the ''opposite'' of energy fits their life draining sponge of a company

@AlecsNeo

3 жыл бұрын

Ikr , how is that not the first thing ppl think about .

@Lapantouflemagic0

3 жыл бұрын

my first thought was "is it related to gangrene ?"

If i had a nickel every time i heard “loans on your home that are bundled and sold on Wall Street” I’d have two nickels Which isn’t much but it’s weird that it’s happened twice

@evanlimberger8174

3 жыл бұрын

Lol let me know when you catch that platypus breh

@angolin9352

3 жыл бұрын

Three. It was one of the causes of the 2008 crash, medical debt is sold like that, and it was mentioned in this video. Also, I can't remember if that was part of the car loan video or not.

@dumpygoodness4086

3 жыл бұрын

EVEN RICH PEOPLE LOST THEIR HOMES thru all kinds of swindles like this. And then the "JOURNALISTS" all LIED and said it was cuz loans were giving to poor black people foolishly! WE CAN FIX THE WORLD IN A MONTH: ALL WE HAVE TO DO IS STOP JOURNALISTS FROM LYING and no more bad govt or cops and no more crime etc. THE MSM....is the air vent on the Death Star.

@ItBePatYo

3 жыл бұрын

I understood that reference.

@QuikVidGuy

3 жыл бұрын

​@@dumpygoodness4086 well I mean at least you went all in on the lie big and bold is more interesting than trying to weasel-word your way into convincing people who might think you're at least reasonable so yeah just throw in everything

John: "If you're under 35 you can actually just skip this story" Me: "I'm not even American, big W right there"

Thank you so much for this video. I was going to do some research about this type of program and you just saved me so much time and effort. Thank you for being the informative yet comical show you are.

someone who calls himself a "capitalist hippie" earns my immediate distrust

@greenyawgmoth

3 жыл бұрын

Same, but also contempt.

@amycortez3289

3 жыл бұрын

I think they’re called boomers.

@bogusmcbogus2637

3 жыл бұрын

Two things I independently hate put together.

@glynnismajor

3 жыл бұрын

Should be the defining term for oxymoron.

@autumn7809

3 жыл бұрын

Worst part of both sides

“Hey, what if we create a program which allows people to take on debt to improve their homes within the confines of an economic system which incentivizes the most vile and evil behavior of the human species?” “Sounds good to me, but only if we allow this program to be administered by entities which stand to benefit from that kind of behavior!” “What a good and rational decision we have made!”

@PuddingXXL

3 жыл бұрын

Lol good one. BTW I love that someone with the name "want Sex?" Is correcting your writing mistakes! ^^

@jonaswhite5842

3 жыл бұрын

Welcome to 2021.

@BewareTheLilyOfTheValley

3 жыл бұрын

Sounds like the next housing crash.

@AMortalDefiant

3 жыл бұрын

I'm not sure anyone has every so succinctly described the entire experience of being an American.

@pdoylemi

3 жыл бұрын

This could easily be made into a good program simply by one addition - government inspectors assessing that actual needs of the homeowner. We have them all over for programs such as WAP. They are well trained, and have tools to determine what upgrades will actually provide a decent return on investment at a reasonable cost. Then the contractors do the work as specified, no more, no less at set rates, and then a post inspection is done to be sure the job was done properly. When I was doing this work, I got $350 for the pre-inspection, and $150 for the post inspection. I had a friend, who did not qualify for government funded assistance weatherizing his old house, and he had been getting bids from contractors. The best he got was $29,000. I looked at these bids and they were piling in all sorts of things I doubt he needed. So I did an inspection on his home, and called one of the contractors who I knew from the WAP program, and he got everything he REALLY needed for $12,000.

John Oliver dropping the mic with that clever Ygrene recall closing. Kudos!

The way he nailed the delineation between homeowner/renter birth year was incredible. Finger on the pulse to tell the younger to just turn off the tv- I mean KZread.

That's the only Trading Spaces episode I remember. The poor lady had only one request - no brown. She really didn't like the color brown and the designer did not give a single fvck.

@helenamirian908

3 жыл бұрын

Those poo colored tiles...🤪

@MonkeyJedi99

3 жыл бұрын

I remember one where the homeowner's ONE request was that they not paint her upright piano. The designer started painting the piano, the neighbors tried to stop her, and she just kept painting, assuring them that "She'll love it." She didn't love it, the neighbors apologized, and I think the show paid for restoration.

@gl15col

3 жыл бұрын

So many of those houses were just horror stories of poorly built shelving and just deeply ugly paint jobs, ugh.

@ManabiLT

3 жыл бұрын

My mom liked watching that show, and I hated it for those kinds of episodes. It's basically humiliating people for profit (to the network). Also _What Not to Wear_, mom _loved_ that show so much, and I despised it. All they did was embarrass and humiliate people for not dressing the way the hosts thought they should. Fuck that bullshit, TLC is basically the _Torturing "Losers" Channel_.

@P5YCH0D3L1C

3 жыл бұрын

Thank you, I had a feeling there was more context

The whole "under 35 means that you aren't allowed to own a home" hits waaaaay to close to the place I would call my home but that I rent.

@girlgeniusnyc272

3 жыл бұрын

Your comment made me laugh and want to cry

I've been a homeowner for over 3 decades (since I was 20yo), but I've never heard of these types of loans.

"Netflix's own Barack Obama" made me laugh more than it should have

Yikes that bit at the beginning about being a homeowner really hit home. I'm 40 years old & finally had enough to buy my first home last year, in cash with zero mortgage & I always thought I'd be renting for rest of my days. I was extremely fortunate to have my mother pay off my student loans with a large chunk of her inheritance as she didn't want me saddled with crippling debt. If not for her sacrifice I wouldn't own my home today. A home I opened to her & helping her sell her home so she can have more money to live on. Capitalism is ruining this country.

@radiotec76

3 жыл бұрын

A little different here. My dad was dying from cancer and the loan he gave me to avoid mortgage payments while I was unemployed in 2001, 2002, became a gift he gave my wife, special needs son and I. It was a God send but he had to die to do it. We live in a massively predatory nation.

@sharonmullins1957

3 жыл бұрын

@@radiotec76 Heartbreaking.

@Augfordpdoggie

3 жыл бұрын

sell that shit and get the fuck out, before the market crashes...again. you will own nothing and will be happy about it. -Klaus Schwab

@giggabiite4417

3 жыл бұрын

Social democracy is what we need (note: this is Very different from socialism), it runs on the principles of a regulated economy. That is, companies are actually reined in: taxed and have hard restrictions against immoral practices. What we have now is a Corporatocracy, where corporations have a large amount of control over the political landscape. The corporations follow adam smith's invisible hand (the idea that individual self-interest tends to benefit the public too), however, because they're doing what helps their Business, they only help other businesses's not the people working for them. tldr: we need more government restrictions on Large Corporations and the Uber wealthy and less on the poor.

@genessab

3 жыл бұрын

@@giggabiite4417 we need the workers to own the means of production, we need to remove the capitalist class and give all people the means to live in peace and comfort without being threatened with homelessness and starvation. Socialism or barbarism.

Absolutely losing it over "Netflix's very own Barack Obama."

@destituteanddecadent9106

3 жыл бұрын

Does he have a show?

@JetWarrior

3 жыл бұрын

@@destituteanddecadent9106 Him and his wife own a production company called Higher Ground, and they signed a deal with Netflix to distribute their films and shows. The one that most people know is a documentary called "American Factory," but they also have an animated mini-series called "We The People" about to release.

@eivind-falk

3 жыл бұрын

@@destituteanddecadent9106 A show? More like a dozen movies and shows released or in the works. The Obama's been busy.

@onigbajamo

3 жыл бұрын

@@eivind-falk Weird. I don't think I've seen any.

Would love to share how I was screwed over by a similar program through a Community Development Block Grant that put me on the hook for superfluous improvements when I had serious structural issues. Now I have a house I can't sell because of a nearly $70K lien.

John upgraded from thirsting over Adam Driver to occasionally stalking George Clooney

"If you're under 35, let me explain, a homeowner is a person who owns the hone. You know how your parents used to own a house? Don't worry you don't get to do that. You get to live your life gradually paying off rent....." Me, a 25 year old who's watching this in a rented apartment: 👁️ 👁️ 💧 👃 💧 👄

@n0vi

3 жыл бұрын

There's cities-worth amounts of people, 35+ year olds with no possibility of homeownership in sight.

@oreojsn92

3 жыл бұрын

Honestly, homeownership in this country comes down to being in the right place at the right time. I'm currently 28, and two years ago my wife and I closed on a brand new house an hour outside Phoenix Arizona. Now our house is worth 50% more than our purchase price and I wouldn't be able to buy in today's market. I feel for everyone who can't afford to buy, let alone rent.

@sauloncall

3 жыл бұрын

@@oreojsn92 Just not right place at right time but right bank balance too. I arrived in Berlin 6 years ago and house prices have gone up by 20% in that time and I knew this will happen but didn't have enough capital to buy an apartment

@chillytoes

3 жыл бұрын

Honestly though, why is the cheapest place I could find in California 2,300 a month

@cggc9510

3 жыл бұрын

I am over 35 and I have never owned a home nor plan on it in the future. I can't. I move around for work so much. Though, it would be great to eventually stop renting.

The weird owl man that I like is back to remind me that this world is shit again.

@Zyvux.

3 жыл бұрын

Owl man joke go make me haha

@guywithdacap4713

3 жыл бұрын

Don´t blame the world for the problems in your country. Most places in the western world have working consumer protection laws and agencies.

@KevinP32270

3 жыл бұрын

HAAAA LOL

@ian12346

3 жыл бұрын

All good bro. Go buy a Big Mac, make a tic toc, tweet about your tic toc, and then go serve some elites some bruschetta and beg for a tip. Murica rocks. 😆🤣

Damn John that millennial roast at the beginning hit hard!

YGRENE is such an apt name! It says “If you want ENERGY, go the opposite way.”

I've known my brokeass house for years.. I wouldn't lend it a cent.

@clarissagafoor5222

3 жыл бұрын

😅😂🤣🙄😳😩

@edricaldones9639

3 жыл бұрын

Absolutely. My house never pays anything back I put into it.

@f-ckmyr0fil617

3 жыл бұрын

now that

@toriless

3 жыл бұрын

@@edricaldones9639 What a deadbeat it is

As a mortgage broker for the last decade who had to pass a test and do continuing education every year and who honestly tries to educate my customers, I've always thought PACE loans are a crime. Same with guys who tell you to make an insurance claim in other states. PACE loans have these low level sales guys come in and steal from you using easy don't worry not your problem tactics. When I inform my customers of the very poor financial decision they made I've had them argue they don't owe a penny. Hopefully the word about them is spreading and people are not getting into them. These states should abolish PACE loans in other states should not adopt them.

@Jediknightdriver

3 жыл бұрын

So is a 203k loan preferable? Less expensive?

@lynneann9166

3 жыл бұрын

Yes sir

@dumpygoodness4086

3 жыл бұрын

@Preston Whisenant EVERY SHRED OF THIS IS A CRIME, but the MSM and JO are not permitted to tell you this brazen secret. ex: EVERYTHING Capitalists do is CRIMINAL FRAUD. (ANY deception for money or a job, is FELONY FRAUD.) ex: anything priced 99 cents or 59.99 is MEANT TO TRICK YOUR MIND. It's literally FRAUD. ex: CLICKBAIT is completely illegal fraud. (WHY do you think not one lazy and corrupt LEO Law Enforcement officer will DO THE ONE JOB we pay them to do?) ex: our elections are TOTAL CRIMINAL FRAUD top to bottom (from illegal ballot access laws to illegal UNFAIR coverage of candidates). ex: the entire Judicial Branch is brazen CRIMINAL FRAUD (even dumb ppl know you can't have Congress & the White House CHOOSE THE "COPS" WHO POLICE THEM "impartially" and independently! Judges must be WHOLLY independent of the other two branches!! EVERYONE KNOWS THIS already! THERE'S A REASON THE MSM AND GOVT DON'T USE THE WORD "FRAUD" TO DESCRIBE THE BILLIONS OF ACTS OF FRAUD that killed society. ex: EACH time Trump lied, was felonyfraud, yet NOT ONE of his critics pointed this out...b/c everything THEY do is also fraud!

@acorneroftheinternet4179

3 жыл бұрын

@@dumpygoodness4086 I do agree with you for the most part, however I would advise you to keep the all caps shouting to a minimum, it gives the impression of a screaming child regardless of who does it

@rich4469

3 жыл бұрын

@@Jediknightdriver 203ks also carry risks, but at least lenders tend to have options if you're at risk of foreclosure. That said, there's always risk as long as you carry a mortgage. As a former MLO, my order of choice would go something like: 1. Loan from my bank, 2. Other government programs listed in episode 3. Put it on credit cards, 4. 203k. First one and third one can be written off in bankruptcy, and there's a better track record. 203k I'd do, but I'm familiar with how they work. No guarantees you don't get a predatory LO. I was already getting emails in 2017/2018 about sub-600 credit score loans, if that tells you anything.

During the interview with the lawyer in the pink blazer, I was literally thinking "dude, he's right behind you while you're talking about him in the 3rd person!" and then John Oliver said it right when that interview bit ended. Claps to you, John. Lmao

John... You are honestly the best. Keep up the good work of covering the shenanigans of the corrupt practices of those dekcuf pu elpoep.