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Re:Why northern Europe is so indebted by robomartin on Monday March 20, 2023 @06:44PM (#35239911)
> 80% of Norwegians OWN their primary dwelling

I see your clarification. Question: In Norway, if you pay-off your mortgage, do you still owe annual taxes on your property? If so, how much? What happens if you don't pay property taxes?

One of the things that has always bothered me about home "ownership" is that, from my perspective, at least in the US, you never really own your home. You can pay off your mortgage, of course. However, if you stop paying property taxes you can lose your property in a forced sale.

That is not my definition of owning something. If it can be taken away, you do not own it. We have somehow been led to believe we can own property. I don't think that's the case. If you own your property it should mean that you can live there with zero income and have nothing to pay anyone except for the things you want to pay for (power, gas, connectivity, whatever).

Someone might say: We need taxes to pay for X. Well, sure. I get that. We should get that money through other means, not through a system where people work their entire lives to pay off a mortgage only to discover they will have to keep paying to "own" that home for the rest of their lives. Perhaps the distinction should be your residence vs. investment/rental property. Not sure. Haven't through it through much deeper than that.

Re:Why northern Europe is so indebted by kiba on Monday March 20, 2023 @07:01PM (#35240079)
Someone might say: We need taxes to pay for X. Well, sure. I get that. We should get that money through other means, not through a system where people work their entire lives to pay off a mortgage only to discover they will have to keep paying to "own" that home for the rest of their lives. Perhaps the distinction should be your residence vs. investment/rental property. Not sure. Haven't through it through much deeper than that.

I think we should tax land, but not buildings. Land shouldn't be horded and should be distributed to folks who are best to make use of it for societal's benefit.

The idea of building enough nest egg for retirement doesn't make sense to me, especially if we take the long term perspective. It only make sense because we age over time and thus get weaker and frail. If we were always healthy as a horse, then we would have periods in which we work for our living, but not permanent retirement.

Re:Why northern Europe is so indebted by Ebree on Tuesday March 21, 2023 @06:22AM (#35244421)
the very idea of fixing anything with taxes is wrong primary role of land is to not have any civilized role, just supporting nature and thanks to nature humans (as they are naturally part of it),

land under cities and any density populated areas is area of human civilization, but usually not humane civilization, people tend to fix human artificially created problems with artificially created solutions usually creating new problems later

land shouldn't be hoarded if every national has his own piece of it guaranteed (only inheritable) then there is no legitimisation for hoarding more

but the piece should be big enough to let person feed himself from it

then the rest can be city land for lending by nation to companies and all the rest is the shared coowned land like forests for mushroom collecting, limited hunting or fishing

If no corporation or foreigner can hoard your land you fixed most of the problem already

we decide our health and lifespan with everyday choices at shop and choosing place of living, working and it's water, air and soil quality

ofc some of us get born with a better starting point but that's what maintaining common standards is for

saving in inflative currency is irrational itself

retirement system is a lottery game to keep people focused on working and paying taxes only, schooling to make obedient workers and alimentary system is a divorce maker to break society into individual atoms

it's to block any need to group spontaneously, plan own future yourself, organise organically and oppose actual system

people use their things best for themselves never for societal benefit especially that there is no one universal definition of societal benefit

if every person has own idea about it it means you would give big share to some individual(s) who would build their idea of societal benefit that could contradict majority's sense of their benefit and common benefit

btw if you make it uncommon it by definition becomes non common

but I still like your sense of need of meritocracy and helping those more capable - still most important part lacking here is keeping them bound with bottom of pyramid they come from and serve, sharing fruits if their skills so the bottom would proliferate yielding new exceptional units lifting everything up continuously.

Re:Why northern Europe is so indebted by TheCoelacanth on Monday March 20, 2023 @06:53PM (#35240011)
Property owners benefit more from local tax spending than anyone else. Why shouldn't they pay for it?

We already subsidize home ownership by quite a bit. We don't need to subsidize it more.

Re:Why northern Europe is so indebted by dataflow on Monday March 20, 2023 @07:38PM (#35240458)
> Property owners benefit more from local tax spending than anyone else. Why shouldn't they pay for it?

Couldn't you use the same argument to say that poor people should pay more in taxes because they benefit more from it?

Re:Why northern Europe is so indebted by TheCoelacanth on Monday March 20, 2023 @08:00PM (#35240666)
That's nonsense. The richest people benefit the most from having a stable government with well-funded police protecting their property.
Re:Why northern Europe is so indebted by dataflow on Monday March 20, 2023 @08:04PM (#35240705)
It's not nonsense, you just looked at the extreme case on the other side. You can try to make arguments like that for the "richest" people, but what about everyone else? Someone making $1 below the Medicaid income limit should pay a ton more in taxes than someone making $1 above it because they get back a lot more in return?
Re:Why northern Europe is so indebted by TheCoelacanth on Monday March 20, 2023 @08:19PM (#35240804)
If they're benefiting so much, why are they poor? Clearly wealthier people are getting more benefit.
Re:Why northern Europe is so indebted by yucky on Monday March 20, 2023 @08:44PM (#35241032)
Does someone below the poverty level qualify for more government assistance than a middle class person?
Re:Why northern Europe is so indebted by rafael09ed on Tuesday March 21, 2023 @02:39AM (#35243149)
Does a middle class person have more choices in how they want to live their life?
Re:Why northern Europe is so indebted by yucky on Tuesday March 21, 2023 @09:29AM (#35245825)
I didn't say being poor was better, this was in response to who uses more government services. And I'm not event stating it as a problem, I think poor people use more services because they need more services. But I thought it was important enough to correct the claim that they don't use more services.
Re:Why northern Europe is so indebted by yakubin on Tuesday March 21, 2023 @08:08AM (#35245100)
> Clearly wealthier people are getting more benefit.

No. Their wealth doesn’t come from government provided services.

Re:Why northern Europe is so indebted by droopyEyelids on Tuesday March 21, 2023 @08:31AM (#35245285)
The government defines how wealth works, what property is, and how people relate to and may benefit from it.
Re:Why northern Europe is so indebted by yakubin on Tuesday March 21, 2023 @09:10AM (#35245618)
That’s settled by law, not by the actions of the current government. If you want to pin down the source of how the wealthy can retain their wealth, that would be the courts and broader law enforcement. So going this way the wealthy would contribute more to the justice system, while they wouldn’t pay as much for public education, health services, and social welfare? Doesn’t seem like something anyone would want.
Re:Why northern Europe is so indebted by TheCoelacanth on Tuesday March 21, 2023 @09:44AM (#35245986)
How would law get enforced without taxes?

Clearly the wealthier you are, the more benefit you are getting from taxes because the government stops everyone else from taking your wealth.

Re:Why northern Europe is so indebted by yakubin on Tuesday March 21, 2023 @11:00AM (#35247180)
Yeah, but they don’t benefit from public health services, since they can pay for a private insurance with a higher quality of services. They don’t benefit from social benefits, since they have much more efficient ways of making money. They don’t benefit from public schools personally, since they can send their children to private schools. So if I were to go with the reasoning that people should pay for received services proportionally to the benefit they get from them, I don’t think we’d end up with a system where the rich support the poor better. That’s all because the needs of the poor are very different from the needs of the rich.
Re:Why northern Europe is so indebted by TheCoelacanth on Wednesday March 22, 2023 @12:15PM (#35263341)
Those things are nice, but the benefits are a rounding error compared to the benefit that the rich get from government enforcing the existence of property rights.
Re:Why northern Europe is so indebted by yakubin on Wednesday March 22, 2023 @04:49PM (#35266881)
Those are enforced by courts and police. So you may end up with well-funded police and courts, but defunded public health services, public education and social benefits.
Re:Why northern Europe is so indebted by droopyEyelids on Tuesday March 21, 2023 @10:44AM (#35246919)
In your system, courts and law are not part of the government?
Re:Why northern Europe is so indebted by yakubin on Tuesday March 21, 2023 @10:51AM (#35247027)
No? Government is the people currently elected. Nothing to do with courts. And law was decided by previous governments. Giving money to the current/future government to create new law which you like is called lobbying, or bribing (whatever floats your boat).
Re:Why northern Europe is so indebted by TheCoelacanth on Wednesday March 22, 2023 @12:18PM (#35263377)
Taxes don't only pay for what you have defined as "government". They pay for everything the state does, including courts and enforcement of laws.
Re:Why northern Europe is so indebted by yakubin on Wednesday March 22, 2023 @04:56PM (#35266978)
Yes, but if you demand that everyone pays proportionally to the benefit they get, then the threat of moving capital to another country has an outsize influence on politics within the country. So the rich get even more say about how taxes are spent than they normally do, by literally voting with their wallets. And thus state’s spending is optimised to protect the interests of the rich with little regard for the poor.
Re:Why northern Europe is so indebted by nonethewiser on Monday March 20, 2023 @06:57PM (#35240046)
I’m sympathetic to this observation but what’s your point? Just a tangent? There is nothing wrong with that but I’m not sure if this is supposed to clarify something.

For whatever it’s worth it looks like at least Sweden and Norway have property taxes. Didn’t check others.

China is an example of a country without them. Except you can’t own land in China. Your house is effective leased from the government. So not exactly an improvement.

Re:Why northern Europe is so indebted by sohtym on Monday March 20, 2023 @07:03PM (#35240091)
Sweden technically has a property tax, but it is a maximum of ~900€ a year.
Re:Why northern Europe is so indebted by robomartin on Monday March 20, 2023 @08:49PM (#35241082)
That seems like an affordable (and possibly equally-shared) way to contribute to the running costs of a society.

What happens if you don't pay this? Can they take your home away and sell it? They can do that in the US, BTW.

Re:Why northern Europe is so indebted by vegardx on Tuesday March 21, 2023 @09:37AM (#35245887)
They can.

But I don't really see how that could happen if you didn't also have a mortgage. You would easily be able to finance this, unless your property was also pretty much worthless. And if it was practically worthless you'd either not pay any property tax at all, due to deductibles, or pay basically nothing.

In Norway property tax (where applicable, it's up to local government) is measured as a percentage of the taxable value of primary residence. Usually 0,2 per mille or around that. The taxable value is less than the property value. It's a progressive scheme, everything below 10MNOK is measured as 25% of property value (marked value-ish), and 75% for everything over 10MNOK. For secondary houses the taxable value is set to the property value.

Re:Why northern Europe is so indebted by yokoprime on Monday March 20, 2023 @06:50PM (#35239983)
> if you pay-off your mortgage, do you still owe annual taxes on your property

Depends on where you live. Some counties has property taxes, others do not. One reason for why Norwegians have lots of debt is that its subsidized since you can write off parts of the interests from your taxes. Also there is taxes on wealth, i.e the tax system incentivizes having debt.

Re:Why northern Europe is so indebted by dataflow on Monday March 20, 2023 @07:22PM (#35240300)
Note, the term you're looking for is "allodial title".
Re:Why northern Europe is so indebted by robomartin on Monday March 20, 2023 @08:43PM (#35241018)
Learned something new. Thanks!
Re:Why northern Europe is so indebted by B1FF_PSUVM on Monday March 20, 2023 @07:34PM (#35240412)
> If you own your property it should mean

... that you pay for the necessary law enforcement, justice, defense, etc.

Why do you expect those to be free?

Re:Why northern Europe is so indebted by robomartin on Monday March 20, 2023 @08:48PM (#35241067)
Typically a good idea to read the entire post before commenting.

I did not say anything about anything having to be free.

Since you brought it up. No, they are not free. We have to pay for them. My point is that I should be able to own my paid-off home. The government should not be able to take my property away because of taxes.

Payment for the services you mention should have no connection to home ownership. Everyone uses them. Everyone pays for them equally (with some consideration for low income individuals).

We need to stop thinking about taxing everything from farts to homes to pay for the running of society. Send everyone a bill on a monthly, quarterly or annual basis. We all pay for it. Don't tax my farts.

Re:Why northern Europe is so indebted by jfengel on Monday March 20, 2023 @09:20PM (#35241337)
The Constitution is quite clear that you can be deprived of life, liberty, and property after due process. The home is little different from any other property.
Re:Why northern Europe is so indebted by swexbe on Tuesday March 21, 2023 @08:48AM (#35245419)
What do you think would happen to the value of your home if the government, say, shut down the public road connecting it to the rest of society? What about the public water/electricity infrastructure?

If you don't own property, you might still benefit from these services. But they don't affect your net worth.

Re:Why northern Europe is so indebted by robomartin on Tuesday March 21, 2023 @08:00PM (#35254627)
> What do you think would happen to the value of your home if the government, say, shut down the public road connecting it to the rest of society?

Depends on where you live. Property values could actually increase! Portland, Oregon, for example.

Disclaimer: Since so many these days have lost the capacity to recognize and accept it...that was a lame attempt at humor. Please don't lose your shit over it. This is called a "joke". Jokes were an accepted form of social interaction many decades ago.

https://www.dictionary.com/browse/joke

Re:Why northern Europe is so indebted by addaon on Tuesday March 21, 2023 @11:18AM (#35247456)
Okay, let's explore this idea.

Suppose you own a home, free and clear, no mortgage, no property taxes.

Once a quarter, you receive a tax bill (calculated in whatever equitable way you prefer) to cover your share of the upkeep of our shared society.

What action do you propose society take if you choose not to pay that bill? There's basically three routes here:

1) Take no action. The quarterly tax system becomes a voluntary system, and those who continue to choose to pay feel more and more bitter towards those who don't.

2) Debtors prison. You owe money to the government, and they are permitted and expected to imprison you until payment is made (which, if you were relying on income for that payment, might pose challenges).

3) Confiscating your real wealth. If you do not voluntarily pay your quarterly tax, the government can compel you to, by taking it in the form of assets you hold.

Our current society has recognized (3) as the least bad option of the above. With your proposed movement to quarterly tax bills, but without a change in this overarching policy… the government will still take your house if you do not pay your taxes, even if those taxes are not "property" taxes and do not scale with the value of the property. What else can they take, in the end?

Re:Why northern Europe is so indebted by robomartin on Tuesday March 21, 2023 @11:47AM (#35247887)
> Okay, let's explore this idea.

You are missing an entire family of methods that would work quite well and not lead to the kinds of problems periodic billing would engender.

Sales tax, VAT, etc. is one form of this.

And then, of course, there's income tax.

We have somehow lost control of the simple idea of the "village" getting together to pay for stuff by exploding into a system of thousands of different taxes nobody can keep track of. The end result is massive waste of resources, bad management, substandard results and large government organizations that are mostly incompetent at nearly everything they do.

My street has been repaved twice in 25 years. They tell me they are planning on repaving it yet again next year. This street is 25 years old. It was as close to perfect as one could get when I moved in, months after the built it. It was just as perfect just before they repaved it (twice). It is perfect now. And yet, they are going to do it again.

The financial waste on this one street alone is nothing less than vomit-inducing. They are doing this to keep unionized government-agency workers employed. Oh, yes, they tore-up and rebuilt our perfect sidewalks a few months ago. Absolutely and utterly unnecessary.

While I do recognize the idea of sending people a bill for taxes isn't great, sometimes I wish we had that, maybe for a year or so.

Why?

People have no clue whatsoever about how much of their money is being consumed by hundreds, if not thousands, of taxes they encounter on a daily basis. It would be fantastic to see one lump-sum bill show-up every month. I guarantee you voting decision would change radically after just a few months of that. What they are doing to the population through this explosions in taxes should be criminal.

Re:Why northern Europe is so indebted by addaon on Tuesday March 21, 2023 @03:29PM (#35251296)
> You are missing an entire family of methods that would work quite well and not lead to the kinds of problems periodic billing would engender.

I am replying to your comment proposing periodic billing…

Re:Why northern Europe is so indebted by robomartin on Tuesday March 21, 2023 @07:53PM (#35254581)
I understand. There are many intelligent ways to handle it.

A comment on HN isn't a full study of all available options and ideas along with comparisons of their effectiveness, consequences and probabilities of success.

Besides, given the impossibility of property taxes ever going away, this is very much on the category of...

https://www.dictionary.com/e/slang/shoot-the-shit/

Re:Why northern Europe is so indebted by addaon on Tuesday March 21, 2023 @08:35PM (#35255008)
But fundamentally you haven't shown that there's any method of taxation that eliminates the revocability of property. What's your proposed response to non-payment if not compelled payment / forfeiture of assets?
Re:Why northern Europe is so indebted by refurb on Tuesday March 21, 2023 @08:54AM (#35245466)
That's a non-sequitur.

Just because things need to be paid for doesn't mean it has to be through a property tax.

Re:Why northern Europe is so indebted by toast0 on Monday March 20, 2023 @08:32PM (#35240919)
If all 50 US states came up with the same thing, it's probably hard to do significantly better.

Many states have some method of limiting increases, which helps you budget for the future costs, as long as the rules don't change. Some states, I think Nevada is one, have a program where you can pay an actuarial estimate and be set for the rest of your life as long as you don't move. Many states have programs where you can defer property tax payments until you move or die. Many also have programs specifically to low income seniors and people with disabilities.

Re:Why northern Europe is so indebted by yucky on Monday March 20, 2023 @08:42PM (#35241011)

  > Some states, I think Nevada is one, have a program where you can pay an actuarial estimate and be set for the rest of your life as long as you don't move. 
It was referred to as "allodial title", and I believe the program only lasted for a few years, so unless you're grandfathered in you aren't eligible.
Re:Why northern Europe is so indebted by toast0 on Monday March 20, 2023 @11:17PM (#35242152)
Whoops, I'm way out of date.
Re:Why northern Europe is so indebted by paddim8 on Tuesday March 21, 2023 @06:59AM (#35244630)
Well Sweden doesn't have a property tax in those situations
Re:Why northern Europe is so indebted by droopyEyelids on Tuesday March 21, 2023 @08:28AM (#35245270)
Property and ownership are defined by people, in laws- they are not mathematical concepts that have some sort of natural consistency.
Re:Why northern Europe is so indebted by tomcar288 on Tuesday March 21, 2023 @12:07PM (#35248192)
Absolutely! You can't possibly say you own something if you have to pay rent on it to keep it. and not allowing someone to even own a home is basically tantamount to taxing their right to live.

And, you can always have a tiered system, for example, 0% on the first 1 million, then 0.5% on the next 500k, etc. that way at least people can downsize to something that they can own.