• ArbitraryValue@sh.itjust.works
    link
    fedilink
    English
    arrow-up
    57
    arrow-down
    6
    ·
    edit-2
    1 year ago

    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.

      • mosiacmango@lemm.ee
        link
        fedilink
        arrow-up
        4
        ·
        1 year ago

        Experian offers a service called “theworknumber” that will sell you income data to anyone for $60.

        You cant opt out because fuck american laws, but you can demand they “freeze” it like credit, so any inquiry is just rejected.

        • Neuromancer@lemm.ee
          link
          fedilink
          arrow-up
          3
          ·
          1 year ago

          That may solve who’s texting me if I’d like to sell a property. They keep asking me about properties i haven’t owned for years but I use to live at.

          • Trainguyrom@reddthat.com
            link
            fedilink
            English
            arrow-up
            2
            ·
            1 year ago

            At least you get texted about properties you once owned. I get texted about some dude’s properties across the country even though this hasn’t been his number for a good decade now

            • Neuromancer@lemm.ee
              link
              fedilink
              arrow-up
              1
              ·
              1 year ago

              Haha it’s just weird to get a txt asking if I want to sell x property I haven’t owned for twenty years.

              It has to be a credit report thing as my gf gets txt about the properties and she has never been on the loans or titles. The properties are always in my name.

      • jivemasta@reddthat.com
        link
        fedilink
        arrow-up
        2
        ·
        1 year ago

        Yes, but also you don’t get good credit by entering into contracts you can’t afford. What I can and can’t afford are my decision to make.

        Just like you can have good credit and low income, you can have high income and be shit with money. It really doesn’t prove anything by showing a pay stub.

      • Potatos_are_not_friends@lemmy.world
        link
        fedilink
        arrow-up
        28
        arrow-down
        1
        ·
        1 year ago

        I had 800 credit working fast food because l carried extremely little debt.

        Twenty years later, my score is fighting to stay about 750 because I make 6 figures, a few credit cards with zero debt. Because they WANT me to hold onto debt to show my trustworthiness? Fuck that.

        • AngryAnusHornets@lemmy.world
          link
          fedilink
          arrow-up
          7
          ·
          1 year ago

          750 and 800 are practically the same… if you’re over 700 then you don’t really need to worry about the score, and if you’re not sweating to make payments, you’re probably over 700.

        • stevehobbes@lemm.ee
          link
          fedilink
          arrow-up
          5
          ·
          1 year ago

          Nah, there’s something else that’s triggering it. Average length of credit matters a lot, so if you cancel cards and get new ones frequently that would do it.

          Long term debt for sure is good, carrying balances on cards is never rewarded.

          The reason they’re OK extending credit when you have debt is because they can see you are managing it. Mortgage or auto loans (asset backed) aren’t bad. Don’t carry balances on cards ever if you can avoid it.

          As another poster said, there’s probably no functional difference for you between 750 and 830.

          • Cryophilia@lemmy.world
            link
            fedilink
            arrow-up
            2
            ·
            1 year ago

            No you don’t. Technically you get a small (~10 point) bonus for showing literally anything other than $0. But you get zero points for carrying that balance beyond the payoff date.

            You should never ever ever pay interest on credit cards. It doesn’t help you in any way.

  • bob_wiley@lemmy.world
    link
    fedilink
    English
    arrow-up
    17
    arrow-down
    24
    ·
    1 year ago

    If she can’t afford the rent, photoshop isn’t going to help on the first of every month when rent is due.

    • Lexi Sneptaur@pawb.social
      link
      fedilink
      English
      arrow-up
      44
      ·
      1 year ago

      Income requirements are often 3-4x the actual rent, so if someone has a good financial grip (no debt, no car) as many in NYC do, they may be able to afford it but not technically qualify. This is a sure fire way to become house poor but if you’re smart about it you can make it happen

      • stevehobbes@lemm.ee
        link
        fedilink
        arrow-up
        4
        ·
        edit-2
        1 year ago

        They’re 40x the monthly rent.

        If you want to rent a $2,500 apartment, you need $100k in income (gross, not net).

        Yes, if you can skimp elsewhere, you can make it work with a smaller ratio. But it isn’t an insane rule of thumb for what you can afford.

          • stevehobbes@lemm.ee
            link
            fedilink
            arrow-up
            2
            ·
            edit-2
            1 year ago

            I’m just saying what it is, in NYC it’s 40x the monthly rent for annual gross income, 80x for guarantors.

            3.3x the monthly rent. This is true pretty much everywhere in NYC.

            It’s in their range but more precise, and they will care about annual income. They’ll ask to see tax returns often.

        • NightAuthor@lemmy.world
          link
          fedilink
          English
          arrow-up
          1
          arrow-down
          1
          ·
          1 year ago

          Remember that renting can be financially better, depending on circumstances.

          Purchasing also throws some money away, interest, insurance, maintenance (which is more than people think), and actual purchase and sale fees to banks and realtors.

          Often the recommendation is to only buy if you really think you’ll be in that house for at least 10 years, can put 20% down… and some other things I can’t recall of the top of my head.

    • Potatos_are_not_friends@lemmy.world
      link
      fedilink
      arrow-up
      14
      arrow-down
      2
      ·
      edit-2
      1 year ago

      Have you rented recently?

      They ask for the stupidest things. They want 3x rent up front for first, last, security. They want you to have a full year of rent in your savings. Until laws were passed, a person in my town would have to drop $9000 on DAY 1 to rent a 2bd, 2bathroom.

      • bob_wiley@lemmy.world
        link
        fedilink
        English
        arrow-up
        3
        arrow-down
        3
        ·
        1 year ago

        It’s been 2-3 years since I rented. I signed my last lease right before the pandemic started, but rented a lot before that… too much.

        I haven’t run into anything that crazy. One place told me I had to pay for a year of parking up front instead of monthly, but that wasn’t required to rent there, only if I wanted to keep a car in nearby structure.

        Once when I was signing a lease the other person at the leasing office was told to pay 2-3x rent for a security deposit, while they only asked me for $200. I don’t know what was behind that, but I’m going to assume it was credit score or something. Asking for first and last months rent up front seemed pretty standard.

        Most of the things you mention are about having a lot of cash on hand, and less about how much money is coming in each month to pay rent, which I thought was what the girl was faking, which would make her rent-poor, spending 70% of her paycheck on rent or something.

    • arthurpizza@lemmy.world
      link
      fedilink
      English
      arrow-up
      24
      ·
      1 year ago

      Perhaps you’ve never rented before. Affording and “not qualifying” are very different things. Sometimes you make far more than enough money to rent but maybe you work in the wrong industry.

      • bob_wiley@lemmy.world
        link
        fedilink
        English
        arrow-up
        4
        arrow-down
        8
        ·
        1 year ago

        I spent at least 16 years renting and rented at least 10 different apartments.

        I’ve never run into anything that crazy. There was one place I tried to rent, but it was designated for low income. When they told me the income limit and I knew the rent, it didn’t seem to add up. There was no way I would have paid the rent they were asking for making even the high end of the income limit that was set.

  • CodingSquirrel@kbin.social
    link
    fedilink
    arrow-up
    86
    arrow-down
    1
    ·
    1 year ago

    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.

  • DigitalFrank@lemmy.world
    link
    fedilink
    English
    arrow-up
    10
    arrow-down
    3
    ·
    1 year ago

    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.

    • Trae@lemmy.world
      link
      fedilink
      arrow-up
      27
      ·
      1 year ago

      The bad ones sure. You have no idea how many get by you because they’re done professionally.

      • pcxt@lemmy.world
        link
        fedilink
        arrow-up
        5
        arrow-down
        1
        ·
        1 year ago

        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.

      • brygphilomena@lemmy.world
        link
        fedilink
        arrow-up
        6
        ·
        1 year ago

        I love the idea that it’s people’s profession to doctor paystubs for rent.

        Hehe… professionally forged documents. Profession. Hehehehehe

        • jivemasta@reddthat.com
          link
          fedilink
          arrow-up
          12
          arrow-down
          4
          ·
          1 year ago

          My finances are my problem. All a landlord needs to know is that I am willing to pay what they are asking. It is my problem to actually pay the money. There are lifestyles in which you don’t have the ability to show someone a pay stub, and can still pay rent on time every month.

          That is why things like credit checks exist. It’s a way to verify that a person has kept their finances in order and are responsible enough to pay their bills on time.

      • SCB@lemmy.world
        link
        fedilink
        arrow-up
        8
        arrow-down
        16
        ·
        edit-2
        1 year ago

        That info isn’t private if you’re trying to rent somewhere. Proving your ability to pay is pretty fuckin baseline man

        And yes this is a fraudulent claim, and if caught can have severe consequences, as it’s perjury and can also result in immediate eviction.

        This is not a viable option that should be taken seriously. This is a joke on Twitter.

        • moody@lemmings.world
          link
          fedilink
          arrow-up
          7
          arrow-down
          3
          ·
          1 year ago

          Many places have laws to protect tenants from shit like that. Where I am, it’s illegal for a landlord to ask for your salary, for example.

          • SCB@lemmy.world
            link
            fedilink
            arrow-up
            3
            arrow-down
            9
            ·
            edit-2
            1 year ago

            You know what place doesn’t? A place where your landlord requests your salary documentation.

            If that doesn’t happen where you live, then this warning is meaningless to you. If it does, it’s an appropriate thing to warn people about given the enthusiasm surrounding this post.

        • ArcaneSlime@lemmy.dbzer0.com
          link
          fedilink
          arrow-up
          4
          arrow-down
          3
          ·
          1 year ago

          To add: despite how you feel ideologically about this, “the court system” does not care how much you downvote it.

          • SCB@lemmy.world
            link
            fedilink
            arrow-up
            4
            arrow-down
            8
            ·
            1 year ago

            Only here would an actual warning about actual legal consequences be met with “fuck off I’m a pirate yarrr” and downvotes lol

      • mommykink@lemmy.world
        link
        fedilink
        arrow-up
        5
        arrow-down
        15
        ·
        edit-2
        1 year ago

        Nobody is forcing you to rent. Landlords have the right to know if their prospective tenants can afford their lease

        • Cryophilia@lemmy.world
          link
          fedilink
          arrow-up
          2
          arrow-down
          1
          ·
          1 year ago

          I agree in principle but rent is so crazy high right now I also don’t fault anyone for falsifying data in order to get a roof over their head.

          The market is so out of whack the normal rules don’t apply.

        • SeducingCamel@lemm.ee
          link
          fedilink
          arrow-up
          9
          arrow-down
          3
          ·
          1 year ago

          Bootlicker alert

          You’re right I’m not being forced to rent, so long as I’m ok living on the street

        • Rodsterlings_cig@kbin.social
          link
          fedilink
          arrow-up
          10
          ·
          1 year ago

          Can’t afford to buy, can’t meet exaggerated rent criteria,…, profit? I did see a nice rock i might be able to live under, as long as the HOA fees aren’t too bad.

  • CountMonte@lemmy.world
    link
    fedilink
    arrow-up
    220
    arrow-down
    5
    ·
    1 year ago

    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.

    • DoomBot5@lemmy.world
      link
      fedilink
      English
      arrow-up
      86
      arrow-down
      4
      ·
      1 year ago

      That’s what life insurance polices are for. Will be pretty hard to get one with her cancer diagnosis though.

      • Saeveo@lemmy.world
        link
        fedilink
        English
        arrow-up
        18
        ·
        1 year ago

        Are you not required to have a joint life assurance policy as a condition of a mortgage in the US?

        • stalfoss@lemm.ee
          link
          fedilink
          arrow-up
          45
          ·
          1 year ago

          lol no, the bank doesn’t care, they’ll just take your house if you can’t pay

          • Corkyskog@sh.itjust.works
            link
            fedilink
            arrow-up
            13
            ·
            1 year ago

            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.

            • mind@lemmy.world
              link
              fedilink
              arrow-up
              7
              ·
              1 year ago

              Sure, but the main reason they didn’t care is because they were immediately selling the debt to a pension fund.

              When the owner defaults, the bank doesn’t even own it anymore, and someone else finds their pension is suddenly underfunded.

              • krische@lemmy.world
                link
                fedilink
                arrow-up
                3
                ·
                1 year ago

                Or when the housing market is booming, they’ll repossess the house and sell it again for even more of a profit.

            • shortwavesurfer@monero.town
              link
              fedilink
              English
              arrow-up
              7
              ·
              1 year ago

              I would never ever take an adjustable rate mortgage. That is just begging to get fucked. Like right now for example. My mortgage is like 4.2% but if it were an adjustable id be at like 6+% and be out of a house.

        • transientDCer@lemdro.id
          link
          fedilink
          English
          arrow-up
          6
          ·
          1 year ago

          Not anywhere that I’ve seen, just home owners insurance and mortgage insurance if you pay less than 20% down.

        • Meeech@lemmy.world
          link
          fedilink
          arrow-up
          5
          ·
          1 year ago

          Nope, at least not for my mortgage. The only thing that was required was a home owners insurance policy.

        • June@lemm.ee
          link
          fedilink
          arrow-up
          3
          ·
          1 year ago

          I bought last year and there was nothing in the process that wanted either of us to have life insurance.

      • AeonFelis@lemmy.world
        link
        fedilink
        arrow-up
        10
        ·
        1 year ago

        Love how everyone in this subthread are sure they all live in the same country with the same rules and same banking system.

    • HamSwagwich@showeq.com
      link
      fedilink
      English
      arrow-up
      14
      arrow-down
      138
      ·
      1 year ago

      You need to move to someplace you can afford.

      The OP is another example… You can live alone in many places, but they chose to live in an expensive area. You can’t complain about that and be taken seriously. I want to live in Beverly hills… but I can’t afford it, so I don’t live there.

      • habanhero@lemmy.ca
        link
        fedilink
        arrow-up
        51
        arrow-down
        3
        ·
        edit-2
        1 year ago

        OP’s Mortgage: $2600/month

        You: “I want to live in Beverly hills… but I can’t afford it, so I don’t live there.”

        Out of touch with reality? Check.

        • Corkyskog@sh.itjust.works
          link
          fedilink
          arrow-up
          13
          ·
          edit-2
          1 year ago

          What really blows is when I bought my house 8 years ago, it was affordable. I now make almost 40% more and there is no way I could afford the same house. Mortgage, taxes and insurance (including flood insurance because the NFIP sucks) is less than $1,400. Once PMI is removed, it will be closer to 1,300, and once we finally remove flood insurance (because we are inland and the maps are outdated) it will be less than $1,100 a month.

          I just don’t see how millennials find homes anywhere remotely desirable in this market.

          • Klanky@sopuli.xyz
            link
            fedilink
            English
            arrow-up
            6
            ·
            1 year ago

            Even back at the end of 2019, we managed to find a house in a decent area that we could afford on my $60K/yr job. The mortgage was only $100 more a month than we were paying for a TINY “2” bedroom apartment. We managed to use our state’s first time homebuyer program to get a grant to pay to remove the PMI up front, which was a big help. I now make more money but I really think we couldn’t afford our house now (at least at the price online website estimate). It’s crazy and we never want to move if we can avoid it!

            • Corkyskog@sh.itjust.works
              link
              fedilink
              arrow-up
              1
              ·
              1 year ago

              I have a “starter house” but in a very desirable town, it’s possible it might make someone more money to tear down and build a mcmansion. We will probably want to move, which is fine because bigger houses aren’t that much more expensive. Once the mcmansions hit the market during the lull, they never went away. It’s just no one is willing to pay 650k+ for them. So now they are in the 450k range, it has driven down the price of reasonably large and or older big farm style homes down. So now my 170k property is worth like almost 250k and the house that would have been 400k, is around 325 to 350. Those two events basically closed the gap significantly.

          • aesthelete@lemmy.world
            link
            fedilink
            arrow-up
            3
            ·
            edit-2
            1 year ago

            I just don’t see how millennials find homes anywhere remotely desirable in this market.

            It’s a strange market to be sure, but one way or another I think it’ll end. Either mortgage rates go way, way down, or prices, or both in the medium to long term.

        • SCB@lemmy.world
          link
          fedilink
          arrow-up
          2
          arrow-down
          15
          ·
          1 year ago

          A $2600/month mortgage is like a half million dollar house dude

          They should absolutely move if the wife has cancer.

          • Flying Squid@lemmy.world
            link
            fedilink
            arrow-up
            5
            arrow-down
            2
            ·
            1 year ago

            Where should they move to that houses are less than half a million dollars these days, inner city Detroit?

            • SCB@lemmy.world
              link
              fedilink
              arrow-up
              7
              arrow-down
              12
              ·
              edit-2
              1 year ago

              Or, God forbid, outside of a major city.

              My house is worth mid-200s (now, purchased for 140 about 8 years ago), in a very nice neighborhood. I have a pool, a literal white picket fence, and half an acre of property. My house is among the more expensive areas where I live.

              There’s an entire fucking country away from the coast buddy. Check it out. Or don’t, and only move here when the breadwinner of your family has a potentially-fatal illness and you need to live somewhere less expensive that also has top-tier medical care nearby, which is what I suggested to OP.

          • habanhero@lemmy.ca
            link
            fedilink
            arrow-up
            5
            arrow-down
            1
            ·
            edit-2
            1 year ago

            Maybe in the boonies but my point is Beverly Hills is not a $2600/month zone and what OP is paying is not unusual.

          • aesthelete@lemmy.world
            link
            fedilink
            arrow-up
            7
            arrow-down
            1
            ·
            edit-2
            1 year ago

            A $2600/month mortgage is like a half million dollar house dude

            Umm…try looking up what $400,000 worth of debt will cost you monthly today (and what your existing equity plus debt and on-hand cash will even buy you in today’s market).

            I wouldn’t move in this market at all if you can make your mortgage payments.

            • SCB@lemmy.world
              link
              fedilink
              arrow-up
              2
              arrow-down
              12
              ·
              edit-2
              1 year ago

              $400,000 will buy you a mansion where I live. My house is worth about half that, and it’s quite nice.

              • aesthelete@lemmy.world
                link
                fedilink
                arrow-up
                10
                arrow-down
                4
                ·
                edit-2
                1 year ago

                👏 👏

                Just simply be like this random dude on the Internet…live in his neighborhood and emulate his daily commute…he’s the finest, most shining example.

                Feeling down? Wife got cancer? Relocated from your entire friends, family, and your job? No worries, you’ll have SCB from the Internet to keep you company.

                • SCB@lemmy.world
                  link
                  fedilink
                  arrow-up
                  4
                  arrow-down
                  16
                  ·
                  edit-2
                  1 year ago

                  Or just move literally anywhere in the Midwest with the equity from your half-million dollar home, and buy one for 150k, and get your wife treatment.

                  You can’t possibly be this dumb, so I’m going to assume you had a bad day at work today. Hope it gets better.

                  Uselessly being a dick isn’t going to make it better. Call a friend.

          • gingersneak@lemmy.world
            link
            fedilink
            arrow-up
            6
            arrow-down
            1
            ·
            1 year ago

            A 2000 sq ft 3 bed 2 bath in a good neighborhood goes for about that where I live, which is known to be in the lower CoL part of the country. The reason shit is so fucked up is that our overlords at huge mutual funds like Blackrock have bought up all the houses so that they can rent them to serfs and collect perpetual income for almost no risk.

            • SCB@lemmy.world
              link
              fedilink
              arrow-up
              4
              arrow-down
              6
              ·
              edit-2
              1 year ago

              known to be in the lower CoL part of the country

              Lol no it is not. I’m not sure why you’d want to pretend it is.

              I actually live in a moderate CoL area and am a homeowner. I could sell my house right now and buy a house not 20 miles away for about half what my current house is worth, which is also not half a million fucking dollars.

              Do you know how insane this sounds to someone from “flyover country?”

              There’s an entire neighborhood going up near me in the 200s. Amazing school system, right outside the city, easy access to parks/lakes/what have you.

              the reason is Blackrock

              Lol no it is not. It is because we restrict what housing can be built where and thus have insufficient housing.

      • solstice@lemmy.world
        link
        fedilink
        arrow-up
        10
        arrow-down
        1
        ·
        1 year ago

        112 downvotes goddamn. Lemmings are so much more savage than redditors, i swear to god.

        I agree a lot of people are going to need to reevaluate their lifestyle and geography settings in the coming decades. Like mass migration level stuff. It sucks and nobody wants to hear it but that’s where we are headed.

        • HamSwagwich@showeq.com
          link
          fedilink
          English
          arrow-up
          1
          arrow-down
          3
          ·
          1 year ago

          Haha yeah it’s the antiwork crowd that mostly moved. The ones who blame thier problems on everyone else and refuse to look internally as to what the problem might be and then wonder why nothing ever changes.

          • solstice@lemmy.world
            link
            fedilink
            arrow-up
            4
            arrow-down
            2
            ·
            1 year ago

            What gets me is the rabid hatred for any and all things finance/accounting/economics/business etc. These people have never looked at a balance sheet in their lives and don’t have a clue about anything technical in these fields. And yet they have extremely strong opinions about technical shit they don’t understand, and express these opinions for loudly and confidently. Drives me crazy.

        • Cryophilia@lemmy.world
          link
          fedilink
          arrow-up
          5
          arrow-down
          2
          ·
          1 year ago

          There is nowhere that is affordable unless you have a well paying work from home job and you can get a big city salary in a small town. Cheap places have cheap jobs.

          • HamSwagwich@showeq.com
            link
            fedilink
            English
            arrow-up
            2
            arrow-down
            2
            ·
            edit-2
            1 year ago

            Lol that is an outright lie. There are so many places you can live affordably in the US… but people think they need to live in Manhattan and shit

            • Cryophilia@lemmy.world
              link
              fedilink
              arrow-up
              2
              ·
              1 year ago

              Cheap places have cheap jobs. It’s econ 101. Wages and prices will reach a similar equilibrium everywhere, though obviously there will be a few statistical outliers in both directions, in most cases given free movement of people, housing will cost the same relative to local salaries.

              Remote work is the only thing shaking up this equation.

      • aesthelete@lemmy.world
        link
        fedilink
        arrow-up
        11
        arrow-down
        1
        ·
        edit-2
        1 year ago

        I want to live in Beverly hills… but I can’t afford it, so I don’t live there.

        I want to live in Atlantis, but I don’t own a submarine, it’s fictional, and the Atlantis council simply does not prioritize affordable housing,

      • billy_bollocks@sh.itjust.works
        link
        fedilink
        arrow-up
        3
        ·
        1 year ago

        Not sure why everyone is downvoting you. Rural areas are significantly cheaper, assuming you can find a job there. I say this as someone who just built a house in rural Oregon 45 mins outside of PDX

        Plus you can help do your part by turning their shitty little red county purple.

      • Maggoty@lemmy.world
        link
        fedilink
        arrow-up
        13
        arrow-down
        1
        ·
        1 year ago

        No. No you can’t. There’s only a few bajillion articles since COVID about the unaffordability of housing in all 50 states.

      • jikel@lemm.ee
        link
        fedilink
        arrow-up
        1
        ·
        edit-2
        1 year ago

        This is good option if you can work online. If everyone moves out from cities to countryside the market would stabilize or collapse, meanwhile the countryside would improve and have more amenities, that require more jobs there and other people can move in. It would be hard in the beginning…

        PS: I imagine there are no such problems in the countryside yet

        • Mac@mander.xyz
          link
          fedilink
          arrow-up
          1
          ·
          10 months ago

          I personally just drive 25 minutes to work because I don’t have any skills that allow me to work from home.

      • June@lemm.ee
        link
        fedilink
        arrow-up
        3
        ·
        1 year ago

        Lmao, my PITI is 3300/month and I live in a 1000sqft rambler that’s in ok shape in the first city that’s considered affordable outside of the Seattle region. All my job prospects are here or in similar markets, and rent for something comparable isn’t far behind what I’m paying (was paying $3k/month for a 2 bed apartment before buying last year) for my house.

        Are there cheaper markets? Yea. Are there jobs for me in those markets? Lmao, no.

        • Staccato@lemmy.world
          link
          fedilink
          arrow-up
          1
          ·
          1 year ago

          There’s a reason high paying jobs have to be high paying. It’s really tied to the local rent.

          The only issue is a lot of those careers still put people through some underpaid grunt or trainee role before they can earn a living wage…

      • ZzyzxRoad@lemm.ee
        link
        fedilink
        arrow-up
        92
        arrow-down
        10
        ·
        1 year ago

        This is such a bullshit take. I’m not even going to address why because you already know. Yes, I’m sure the place they’re talking about with $1600/month rent is fucking Beverly Hills, you jackass. Lmfao

    • Flying Squid@lemmy.world
      link
      fedilink
      arrow-up
      13
      arrow-down
      1
      ·
      1 year ago

      I’m in exactly the same boat as you. Undereducated, lower paying job than my wife, mortgage, etc. I’ve frequently had panicked thoughts about what I would do if she died. And we have a kid, which makes it even worse.

      • Riven@lemmy.dbzer0.com
        link
        fedilink
        arrow-up
        7
        ·
        1 year ago

        Part of the reason my partner and I don’t want kids. It’s almost impossible to raise them alone and she has a preexisting condition that she wouldn’t want to pass on to them. If she passes away I could always just go live in my car by the beach and be fine. Wouldn’t be able to do that very well with a kid.

      • solstice@lemmy.world
        link
        fedilink
        arrow-up
        5
        ·
        1 year ago

        Consider term life insurance? (Not whole life which is a ripoff.) It’s usually pretty cheap for a 20 year policy that’ll give you a few hundred grand if the worst happens. Like literally $20-$50/month. I’m not a salesman, don’t work in insurance, just a suggestion.

          • solstice@lemmy.world
            link
            fedilink
            arrow-up
            2
            arrow-down
            1
            ·
            1 year ago

            Flying squids family seems to be OK, that user was responding to the guy with cancer wife. Not too late for them I don’t think.

  • jubilationtcornpone@sh.itjust.works
    link
    fedilink
    English
    arrow-up
    16
    arrow-down
    1
    ·
    1 year ago

    Step 1: File articles of incorporation for an LLC. Step 2: Open bank account for your new business. Step 3: Write checks to yourself from said business. Step 4: Tell future landlord that you’re “self employed.” Step 5: File dissolution of LLC -or- make sure to pay any annual franchise taxes, depending on your state, if you decide to keep it active.

  • nostradiel@lemmy.world
    link
    fedilink
    arrow-up
    21
    ·
    1 year ago

    Meanwhile in the Czech Republic…

    Hi, is it still available? Yes. When I can move in? Tommorow. Thx, see you tomorrow then.

  • FlashMobOfOne@lemmy.world
    link
    fedilink
    arrow-up
    3
    ·
    1 year ago

    I love visiting NYC, but you couldn’t pay me to live there. I have friends I stay with when I’m there, and they take 45-minute showers because that’s the only time they get any real privacy.

    • solstice@lemmy.world
      link
      fedilink
      arrow-up
      9
      arrow-down
      4
      ·
      1 year ago

      My rent was $2,100/month when I lived there a few years ago. Nice place, updated kitchen and bathroom, quiet, close to public transit, multiple grocery stores in walking distance. That’s steep for sure but nowhere near as insane as people make it out to be. Also I could’ve rented a place for like 1,600 but I shelled out for the nicer one. It’s really not that bad.

      • FlashMobOfOne@lemmy.world
        link
        fedilink
        arrow-up
        1
        ·
        1 year ago

        That’s good to hear.

        My friends have a big four-bedroom in Brooklyn, but of course, there are four people in it. They love it, but I just couldn’t do it. I love having my nice big condo to myself.

    • jjjalljs@ttrpg.network
      link
      fedilink
      arrow-up
      5
      ·
      1 year ago

      There are one bedrooms and studios for < $2k in brooklyn. They might not be fancy, but they exist.

      That might be more than other places, but you have to factor in you don’t need a car here. So that’s $10k/year saved (though I think it’s about $2k/year if you max out your transit rides before they become free every week).

      You’d have to pay me a shit load of money for me to consider living somewhere that isn’t walkable.

  • aesthelete@lemmy.world
    link
    fedilink
    arrow-up
    91
    arrow-down
    6
    ·
    1 year ago

    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.

    • Zavasay@lemmy.fmhy.net
      link
      fedilink
      arrow-up
      55
      arrow-down
      6
      ·
      edit-2
      1 year ago

      This so they can fine you when you leave your dog’s shit on the ground for other people to step in. I’m here for it. I lived in a place that did not enforce picking up after your animals and it was absolutely disgusting.

      • cheery_coffee@lemmy.ca
        link
        fedilink
        arrow-up
        7
        arrow-down
        1
        ·
        1 year ago

        Nobody is getting dog shit DNA tested, id bet they do for bites though so the building can say they’re not liable.

        I lived in a building where the super would go around and get as many complaints as he could from people who let their dogs go in the lobby. He was great, the building got rid of him because he wanted the building owners to actually keep up the amenities promised to residents.

        • PersnickityPenguin@lemm.ee
          link
          fedilink
          arrow-up
          1
          ·
          1 year ago

          https://www.pooprints.com/

          Hate to break it to you dude

          "We are the DNA dog waste management company offering a solution to pet pollution in 7,000+ communities across the U.S., Canada and the United Kingdom. It isn’t just a problem in your community—it’s everywhere. "

          And here I thought it was pretty common to have your children and pets DNA tested by your apartment manager. Hasn’t this always been the case?

      • 30mag@lemmy.world
        link
        fedilink
        arrow-up
        5
        arrow-down
        1
        ·
        1 year ago

        It’s also so they can charge you more money because your dog has pit bull DNA and which results in higher insurance premiums or similar bullshit.

      • aesthelete@lemmy.world
        link
        fedilink
        arrow-up
        36
        arrow-down
        5
        ·
        edit-2
        1 year ago

        They don’t do that at all anyway, but hey at least the professional landlord class gets to inflict upon you one more indignity for some imagined benefit.

        The park adjacent to those buildings has so much dog turd in it you’d think they were purposely producing low quality fertilizer over there.

        • marmo7ade@lemmy.world
          link
          fedilink
          arrow-up
          19
          arrow-down
          6
          ·
          1 year ago

          My tenants wouldn’t pick up their dog shit until I asked them to. They thought I was going to clean it up.

          Then they threw unbagged dog shit in the garbage can. That was a nice surprise.

          Some people are entitled human garbage. They exist at all income levels. Yea, renters have it tough. You still have to pick up your dog shit.

          The imagined benefit of picking up your dog shit is that the lawn gets mowed and people don’t step in dog shit. Imagine that.

          • Donebrach@lemmy.world
            link
            fedilink
            arrow-up
            6
            arrow-down
            5
            ·
            1 year ago

            Guess your tenants don’t have a working dishwasher and a window that’s been broken since before they moved in that is totally gonna be fixed before they move in?

          • aesthelete@lemmy.world
            link
            fedilink
            arrow-up
            9
            arrow-down
            7
            ·
            edit-2
            1 year ago

            For the record I’m not actually pro “leave your dog shit everywhere” I just question both the imposition of the indignity of subjecting your tenants to pet DNA screening, and the effectiveness of it as a mechanism for preventing that.

            I actually am pro throw unbagged dog shit in a bag-containing garbage can though, and don’t really understand why anyone would care about that.

            I tend to see more of the leaving it on the ground, not even the throwing it in a can.

            Edit: Alright, you guys are right, you need at least 2 layers of bags for dog shit. But then I guess triples might be safer, or even quads. Fuck it, every piece of dog shit must be wrapped in at least twenty layers of plastic before it hits the landfill! We need to preserve the remains of this dog shit forever!! It’ll be our mummies!!! Inject it with formaldehyde!!!

    • kromem@lemmy.world
      link
      fedilink
      English
      arrow-up
      26
      arrow-down
      2
      ·
      1 year ago

      Yeah, they do that these days to identify who lets their dogs poop around the property and don’t pick it up.

      • s_s@lemmy.one
        link
        fedilink
        arrow-up
        8
        ·
        edit-2
        1 year ago

        Or…They threaten to do this and just keep your $600

        It’s really the threat that motivates people, and it’s the free $600 non-refundable deposit that motivates the landlords.

      • aesthelete@lemmy.world
        link
        fedilink
        arrow-up
        31
        arrow-down
        6
        ·
        1 year ago

        Nobody’s DNA testing dog stool. They can’t be bothered to even do routine move out cleanings in those apartments. The whole thing is a giant farcical pretendy power game played out by managers far away designing a system for the benefit of their rentier owners to simultaneously rob renters of their last scraps of dignity and every remaining dime they have in the form of bullshit fees.

          • aesthelete@lemmy.world
            link
            fedilink
            arrow-up
            15
            arrow-down
            2
            ·
            edit-2
            1 year ago

            I’m aware that the apartment people aren’t running the DNA database themselves. They have some weirdo company that does it. I’m also aware that that weirdo company (or companies) is capable of putting together a website.

            I’m saying I live in the same neighborhood (I bought a place). Nobody is going through that park and picking up the dozens of available dog stool and sending it off to some lab to be tested. They just aren’t. The whole fucking thing is a wet dream had by some awful corporate bureaucrat that only succeeds in making renters lives a little more miserable and pads the pockets of some other random, doggy DNA database building weirdo somewhere else.

            • PersnickityPenguin@lemm.ee
              link
              fedilink
              arrow-up
              1
              arrow-down
              1
              ·
              1 year ago

              Well I don’t know what to tell you. We had a guy two months ago who was arrested because his dog was pooping on the premises and he did not clean it up.

              This is a half a billion dollar a year industry.

              • aesthelete@lemmy.world
                link
                fedilink
                arrow-up
                1
                ·
                1 year ago

                Arrested? Lol

                In my area you can’t even get anyone to care at all.

                Maybe if someone’s dog pooped directly in the property manager’s mouth… Otherwise, forget it.

            • marmo7ade@lemmy.world
              link
              fedilink
              arrow-up
              2
              arrow-down
              7
              ·
              1 year ago

              Your experience is an anecdote.

              I’m aware that the apartment people aren’t running the DNA database themselves. They have some weirdo company that does it. I’m also aware that that weirdo company (or companies) is capable of putting together a website.

              Your conspiracy theory is so stupid it is comical.

              • Rambi@lemm.ee
                link
                fedilink
                arrow-up
                2
                ·
                1 year ago

                You’re saying the business that the other commenter provided a link to is a “conspiracy theory”?

            • aesthelete@lemmy.world
              link
              fedilink
              arrow-up
              8
              ·
              edit-2
              1 year ago

              I’m going to briefly go on a related rant here that you can feel free to ignore.

              rant

              People in America have this perspective that if somehow you devise a theoretical solution to a problem (especially if it’s fancy and requires “tech” and “DNA” and labcoats) that you will magically have solved the problem. This isn’t actually the case, and it’s shown to not be the case over and over and over again in this country and everyone still seems purposely ignorant to that simple concept.

              Things have unintended effects. Systems can have effectiveness issues. System costs (of all types, not just monetary) on all parties involved in the administration of those systems are often left unconsidered because it’s not part of the problem solver’s business model. Convoluted systems will not be fully understood by the agents who are supposed to implement them. Modern, technical solutions to problems are not magically better or more effective than the alternatives that are very often never even considered, simply because it wouldn’t give you a reason to strap on a lab coat, or start up a new SaSS company.