• SpaceCowboy@lemmy.ca
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      7 小时前

      Only when you’re selfish.

      Come to think of it, if being selfless is a burden to you then you aren’t really selfless.

  • altphoto@lemmy.today
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    5 小时前

    How much would you expect back if you gave someone a loan for $500,000.00 after 3 years, 5years, 10years?

    Calculations:

    After 3 years: 500,000×(1+0.0430⋅3)=500,000×1.129=564,500.
    After 5 years: 500,000×(1+0.0438⋅5)=500,000×1.219=609,500.
    After 10 years: 500,000×(1+0.0468⋅10)=500,000×1.468=734,000.

    Ok so 64,500/3/12=$1792.00 would be your fair monthly rent since the landlord would put that money away and expect a return for that investment.

    For 5 years it would be $3,042.

    For 10 years it would be $6500. Clearly a better investment.

    Except that when they get your rent they can put that money into the investment system again and get much more money overtime.

    First month say 1000 (super cheap tent on a cardboard box behind a Wendy’s).

    Second month 2040 assuming 4% per month.

    $41,000 after 3 years, $67,000 after 5 years, 170,000 after 10 years at 4.3% APR.

    If the rent was 3000, that would be $510,000 after 10 years. This is not a good investment if you paid $900,000 for that house. You want the return in 5 years so the rent would be $5708.00 per month.

    And that right there is why our rent is so expensive. We are basically ensuring the profit of a nice steady percentage to some investor. Now, if you didn’t ever invest in the house, your house would eventually become land. So you do want to pay to keep that thing looking good, but maybe not 4.3% per month?

  • Jankatarch@lemmy.world
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    20 小时前

    Do NOT be kind to your landlord.

    My landlord lost their house gambling so I offered them to rent one of my rooms at discount as a roommate.

    Now whenever my rent increases due to cost of living, I increase their rent due to cost of living.

    We are in a sick perpetual cycle and both our rents went up 5000% yesterday. We are comrades in this pain and promised to protect each other if liver selling operation goes wrong.

    It’s a hateful bond, an adversarial friendship, and a dying survival. Somebody please help!

    • Polisheocket@lemmy.zip
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      11 小时前

      New fridges are a joke anyway. Mine broke after 5 years. I have a garage fridge better then my new one

    • db2@lemmy.world
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      23 小时前

      If that fridge is still happily running then be happy, they literally don’t make them like that anymore.

      • bloogoose@lemmy.zip
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        21 小时前

        It leaks water on the floor, causes my power bill to go up and grows mildew around the seals weekly…

        • db2@lemmy.world
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          21 小时前

          It’s low on refrigerant and effectively unfixable. Depending on where you’re at you can probably withhold rent by putting it in an escrow account until the landlord fixes the problems. You have to tell them by certified mail, and if appliances aren’t included in your rent agreement don’t do it because you’re already screwed. In that case get your own fridge and keep the receipt.

          • bloogoose@lemmy.zip
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            17 小时前

            Nah it’s Indiana. This state is arguably the most pro landlord state with very little tenant rights hence the old fridge among other issues that get bandaids instead of repairs/replacement.

    • X@piefed.world
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      23 小时前

      Have you sincerely and cheerfully wished your multibillion dollar corporation landlord a happy and prosperous birthday, and have you gratefully and bravely remitted no less than three (3) months of your (useless to you) money?

      No?

      You’re what’s wrong with society.

  • Salamanderwizard@lemmy.world
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    24 小时前

    Our landlord wanted us to pay for the ac being fixed…during the hottest part of July.

    You could be on fire in front of me, and I’d piss on you. Tell me you’re a landlord and I’ll need the first month and last month deposit first.

        • Th4tGuyII@fedia.io
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          11 小时前

          The gross bit sure, but from my understand pissing on them would help put them out due to piss being mostly water

          • Untamed_Star@lemmy.blahaj.zone
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            2 小时前

            Yes, from my understanding it is usually not a good idea to pour water on non so small fires. but it kinda depends on the amount of water and how you do it.

      • Salamanderwizard@lemmy.world
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        22 小时前

        Oh it gets better. The hurricane that ripped through Georgia a year or so back ripped up our fence. They wanted us to keep it there until they could find someone to put it up.

        It was rotted and no one wanted to do it…they were gonna keep a rotted fence on the ground in our yard.

        I don’t know about you, but Georgia got some bad snakes. I broke that bitch down, built a fire pit and burned it. They can marinate my family jewels if they think I’d keep a snake den in my back yard with my 6 yr old.