this post was submitted on 15 Sep 2024
645 points (82.1% liked)

Lemmy Shitpost

26774 readers
2975 users here now

Welcome to Lemmy Shitpost. Here you can shitpost to your hearts content.

Anything and everything goes. Memes, Jokes, Vents and Banter. Though we still have to comply with lemmy.world instance rules. So behave!


Rules:

1. Be Respectful


Refrain from using harmful language pertaining to a protected characteristic: e.g. race, gender, sexuality, disability or religion.

Refrain from being argumentative when responding or commenting to posts/replies. Personal attacks are not welcome here.

...


2. No Illegal Content


Content that violates the law. Any post/comment found to be in breach of common law will be removed and given to the authorities if required.

That means:

-No promoting violence/threats against any individuals

-No CSA content or Revenge Porn

-No sharing private/personal information (Doxxing)

...


3. No Spam


Posting the same post, no matter the intent is against the rules.

-If you have posted content, please refrain from re-posting said content within this community.

-Do not spam posts with intent to harass, annoy, bully, advertise, scam or harm this community.

-No posting Scams/Advertisements/Phishing Links/IP Grabbers

-No Bots, Bots will be banned from the community.

...


4. No Porn/ExplicitContent


-Do not post explicit content. Lemmy.World is not the instance for NSFW content.

-Do not post Gore or Shock Content.

...


5. No Enciting Harassment,Brigading, Doxxing or Witch Hunts


-Do not Brigade other Communities

-No calls to action against other communities/users within Lemmy or outside of Lemmy.

-No Witch Hunts against users/communities.

-No content that harasses members within or outside of the community.

...


6. NSFW should be behind NSFW tags.


-Content that is NSFW should be behind NSFW tags.

-Content that might be distressing should be kept behind NSFW tags.

...

If you see content that is a breach of the rules, please flag and report the comment and a moderator will take action where they can.


Also check out:

Partnered Communities:

1.Memes

2.Lemmy Review

3.Mildly Infuriating

4.Lemmy Be Wholesome

5.No Stupid Questions

6.You Should Know

7.Comedy Heaven

8.Credible Defense

9.Ten Forward

10.LinuxMemes (Linux themed memes)


Reach out to

All communities included on the sidebar are to be made in compliance with the instance rules. Striker

founded 1 year ago
MODERATORS
 
you are viewing a single comment's thread
view the rest of the comments
[–] Tartas1995@discuss.tchncs.de 9 points 1 month ago

I want to help you understand the situation and why people say what they say. Then you can better judge the situation for yourself and make your own decisions.

Situation "your own house": You want to buy a house but you don't have the money because... Wtf is the housing market??? 100k for a cardboard box??? So you lent money from your bank to pay for the house. With interest, you pay maybe e.g. 70% more than what you lent. And it takes you 30 years to do so. You might lose your job and have to save a little extra to cover those times and maybe the bank let's you miss a payment once. After 30 years, you have now a house that needs some repairs but you got more money in your wallet because you are done paying the bank. So you do some repairs and it cost you money, maybe you need a small loan again. Eventually, you are retired and you have less money but you don't have to repair your house anymore. Sure, there are some issues but the heater will manage another 10 years. You don't have to worry too much because you don't have to maintain it after your death. You don't need to save for a new roof in 5 years when you are 95yo. You can make the call that you don't care.

So in other words, you pay a little less than 70% more than the value of the house and afterwards you paid for YOUR UTILITY. Every repair was between you and future you.

Situation "I rent to you": I am buying the house and of course, I am lent the money as it is financially easier and in some places, gives me tax cuts. I buy a house and I too pay 70% interest on it. I need to get the money to pay for my loan. I am not a asshole but also not a saint. So what is pretty fair? Mhm... You, as my renter, pay my loan back! If i ask less, I am literally losing money. But wait, you might move out at any time and I need to pay my loan, so I am asking a little extra... Just in case. But then there are repairs and someone needs to pay for those, so maybe a little extra. Okay now, you are paying for everything! I am safe and sound. After 30 years, you paid back my loan and I own the place. I am getting old and I let my son take care of the business. He takes good care of the house and makes sure that all the repairs are done. He is earning so extra money too as well the loan is paid back. He is looking for a new house for all his children and a big nice garden. With his day job and your rent, his bank gives him a big amount of money that he spends on a beautiful house, he gets the house as he has the cash. You are getting older and you retire, but your rent is not going down. If you could have bought the house 50 years ago, it would have been yours, but it isn't and you are paying the new loan of my son. The heater could use a replacement in the next 10 years but you really don't have the money for that but it isn't your decision, my son wants to rent out the house another 50years if possible. My son feels forced to look for a new renter as you don't have the money to pay for the new loan and the repairs. He kicks you out. You are homeless. You pay off the loan and some of another loan but you are homeless.

Now that story wasn't even about actively trying to make money but not wanting to take a risk for someone else.

Most landlords want to make some money.