Unethical Life Pro Tips

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An Unethical Life Pro Tip (or ULPT) is a tip that improves your life in a meaningful way, perhaps at the expense of others and/or with questionable legality. Share your best tips you've picked up throughout your life, and learn from others!

ULPT Rules:

Tips must be unethical, tips that are ethical will be removed.
Tips must provide some benefit to you.
Post titles must begin with "ULPT" or "ULPT Request", and should be descriptive. The title should explain the gist of the ULPT without needing a description. Post that are walls of text will be deleted at the mods discretion.
No tips about rape, murder, suicide, or any tips that violate Geneva Convention laws.
No tip lists, each individual post should be about a single tip. This includes links to articles that list tips.

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Rent requirements in the US are nuts (i.imgur.com)

submitted 1 year ago by trexman@sh.itjust.works to c/unethicallifeprotips@lemmy.world

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[–] CountMonte@lemmy.world 1 points 1 year ago (1 children)

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 1 points 1 year ago (1 children)

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

[–] Saeveo@lemmy.world 1 points 1 year ago (1 children)

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

[–] stalfoss@lemm.ee 1 points 1 year ago (1 children)

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

[–] Corkyskog@sh.itjust.works 1 points 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.

[–] icedcoffee@lemm.ee 1 points 1 year ago (1 children)

Renting is fucked. Some people probably know about this site but just fyi https://ratethelandlord.org/

[–] anarchy79@lemmy.world 1 points 1 year ago* (last edited 1 year ago)

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

[–] paddirn@lemmy.world 0 points 1 year ago (1 children)

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?

[–] TwoGems@lemmy.world 1 points 1 year ago

I'd do it too. Rent requirements are unrealistic as is general housing. There has to be more homeless people than ever now.

[–] DigitalFrank@lemmy.world 0 points 1 year ago (1 children)

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 0 points 1 year ago (1 children)

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

[–] pcxt@lemmy.world 1 points 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.

[–] MargotRobbie@lemmy.world 0 points 1 year ago (1 children)

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.

[–] I_Fart_Glitter@lemmy.world 1 points 1 year ago (1 children)

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.

[–] MargotRobbie@lemmy.world 0 points 1 year ago (1 children)

13 people is a bit too much. I was thinking like 3. Above that, it gets too messy.

[–] I_Fart_Glitter@lemmy.world 1 points 1 year ago

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.