Our mortgage is $2600 month. My wife has a much better paying job than me. I make $2200 a month after taxes/deductions. She is currently going through cancer treatments and although everything is looking positive it really got me thinking about what the hell does life look like for my family if something happens to my wife?
I’ve had the same bus driving job for 23 years. I’m undereducated. A 2 bedroom, 1 bathroom apartment is $1600 month here. I don’t know how I’d ever be able to take care of myself and two kids.
They want us to have 80k+ in school debt so you can be allowed to have mortgage debt or rent and own nothing. I don’t know where I’m going with this but I’m just bummed out about life right now.
That’s what life insurance polices are for. Will be pretty hard to get one with her cancer diagnosis though.
Are you not required to have a joint life assurance policy as a condition of a mortgage in the US?
lol no, the bank doesn’t care, they’ll just take your house if you can’t pay
You literally beat me to this reply by like 4 minutes haha. Banks were giving variable mortgages to people who could barely afford current rates, they don’t give a shit.
Love how everyone in this subthread are sure they all live in the same country with the same rules and same banking system.
Globalization and capitalism babyy
Not a fan of the latter but that’s life ☹️
it is FUCKING INSANE that apartments get to ask for all sorts of invasive shit like this and that’s just fine. yeah god forbid you take on any risk, we’re only committing to fucking thousands a month, fuck you.
Mandatory “use GIMP: is free and open source” comment
Just pirate Adobe and get the best of both worlds.
I justify the use of Adobe for professional use cases, like “I have to print a label with a specific set of colors and GIMP has bad CYMK support”.
If you have to put a signature where there isn’t one or stuff like that, GIMP is more than good for the job and in the meanwhile you’re helping a community project to grow.
Renting is fucked. Some people probably know about this site but just fyi https://ratethelandlord.org/
It’s land ownership laws that’re fucked. Here’s the original game of Monopoly before it was stolen by a capitalist- The Landlord Game, a teaching aid for workers to understand why land owners are the problem. It’s a pretty old problem.
https://philadelphiaencyclopedia.org/wp-content/uploads/2015/10/lg-1903_arden-board.jpg
They wanted to DNA test my dog and keep his biometric data on file as part of the terms of the last lease I was looking at.
I uhh, didn’t fucking sign. The neofeudalist movement is for real.
I work in property management and see fake pay stubs/ fake bank statements 4 or 5 times a week. You might be surprised how easy they are to spot.
The bad ones sure. You have no idea how many get by you because they’re done professionally.
They can find out how much you make anyway. It’s called “The Work Number”, and I think it is a gross invasion of privacy. Employers use it against prospective employees to keep wages low.
It’s easier and way cheaper to rent a room in a house somewhere if you’re looking to save money since the rental market looks miserable right now.
Plus, having roommates can be great.
When I was 22 I lived in a curtained off corner of an attic in a house with 13 other people. It was so, so fun. I thought to myself, I could live this way forever! Why do older people get scammed into believing that they need to spend all their money on living alone?! I’m old now. I’ll live with a partner or live alone. I’m done with room mates.
13 people is a bit too much. I was thinking like 3. Above that, it gets too messy.
Yeah, some years back I got nostalgic about it and was watching New Girl and decided to get a room mate. Nope. Nopity nope nope nope.
They don’t check your credit? They checked my credit the last time I rented.
Also you don’t need to photoshop when it’s easier to edit the html.
You don’t even need photoshop. Just use the inspect function in your browser and edit the values directly in the HTML. Free and much easier to not fuck up the formatting.
Works if your statements are in a web format. But most of this stuff is a PDF you download.
And then you get bankrupted by the excorbitant creative cloud license costs.
Do what you want cause a pirate is free, you are a pirate! 🎶🎵🎶
I remember the first time I ever saw that video was when I tried playing Enter the Gungeon. I didn’t even pirate it. I just screwed up when I was installing some mods lol
I mean, that’s fraud, but you gotta do what you gotta do, housing is ridiculous now. How is there no legislation or anything being done to fix this? And how convenient is it that all of this is happening after we had a President who makes money off of real estate?
I’d do it too. Rent requirements are unrealistic as is general housing. There has to be more homeless people than ever now.
