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elephantium, in So how much "bad" debt are you in?
@elephantium@lemmy.world avatar

Only a mortgage.

I had student loans, but I finished paying those ~5-6 years ago.

Clusterfck,

I’m genuinely curious, what’s your opinion on broad reaching student loan forgiveness? If it happened tomorrow, would you be upset that you had payed yours off?

hibsen,

Not that guy, but basically the same situation. I’d be thrilled. Not having to think about those every month has been amazing. I want everyone to feel that way, even if I have to pay more in taxes to cover it.

Hobart_the_GoKart,

Ditto. I’m the same as OP. Paid off student loans in 2019 and now I just have a mortgage. Let’s forgive everyone’s loans plz.

alibloke,

There’s no point in getting spiteful in life, be happy for other people

otter, in Why is lemmy so bad at determining trending communities?

Oh I just assumed they were the newest communities, is that not the case?

schwim,
@schwim@reddthat.com avatar

It’s not. I’ve had some of the same empty communities for more than a month in that block.

Art3sian, in So how much "bad" debt are you in?
@Art3sian@lemmy.world avatar

ITT: few people having any clue what the difference is between good and bad debt, or that debt is basically essential to creating wealth.

randomdeadguy,
@randomdeadguy@lemmy.world avatar

Wealth is not created, it is taken.

patchw3rk,
@patchw3rk@lemmy.ca avatar

You literally create wealth at your job.

randomdeadguy,
@randomdeadguy@lemmy.world avatar

actually, I am unstable and an incredible liability. If anything, I am a wealth-shrinking entity, like the common household Offshore Tax Shelter. Beware my economic hoodoo.

ericbomb,

I mean most people saying they don’t have any bad debt, but saying they have good debt isn’t too bad! It is interesting to know how much mortgage people are carrying.

But these days even mortgages feel bad. 400k at 7% is 28k of just interest. So houses feel way out of reach with current prices/rates.

If rates go down prices go up. So doesn’t feel like there is much winning for non home owners.

Art3sian,
@Art3sian@lemmy.world avatar

Housing prices, like everything, is determined by supply/demand. Interest rates are only part of the equation.

The main reason housing is high right now is because of the supply side, and that’s low at the moment because COVID destroyed the global labor market and the supply chain, so materials are sky-high, with fewer people to do the work of building.

Also, as the stock market tanks people move their money into safer places, like cash or property, hurting the supply side even more. This is what cashed up Boomers are doing (yep, we can keep blaming them).

Housing prices won’t come down until supply outweighs demand.

AlexisFR,
@AlexisFR@jlai.lu avatar

With how much they push for 25+ years mortgages you’re going to pay way more than 78k for a 400k one.

onlym3,

Not sure if you mean per year but mortgages are generally going to be over much longer time periods. A couple who I know are looking to buy somewhere new and are looking at getting £400k mortgage or thereabouts. With rates as they are now, and over 25 years, they’ll end up paying back £900k!

ericbomb,

7% per year yes.

28k per year in interest on just a normal home is crazy.

Sethayy,

I’m just enthralled at the idea of how normalized having negative money has become. Something something dystopian

AngryCommieKender, in What are some modern bullshit jobs?

99% of middle management could have been automated away a decade ago

UraniumBlazer,

This is the first correct answer that I came across in this entire thread… Ugh…

doublejay1999,
@doublejay1999@lemmy.world avatar

lazy trope.

who hires middle managers ? Execs. Why do they hire them ? to keep a layer between themselves and the workers.

so whenever you think your manager is useless, remember he’s not there for you.

elscallr, in Do you know of any obscure useful websites?
@elscallr@lemmy.world avatar

justtherecipe.com

Extracts recipes from blogspam

elscallr, in What cheap tool/gadget do you use that greatly improves your daily life?
@elscallr@lemmy.world avatar

A pocket knife and a small flashlight. You don’t realize how often you could use either until you have them.

My knife is an Opinel #8 ($20) and my light is an Aurora A33 ($20).

I carry a bag most of the time, so I’ve got a little extra room than most, but I’d probably still carry both if I didn’t. The pocket knife is the size of, well, a pocket knife and the flashlight is only the size of a sharpie.

clearleaf, in What are some modern bullshit jobs?

Anybody working in SEO / “search engine optimisation.” Complete bottomfeeding scumfuck grift. The only reason it’s not considered fraud is because the government hasn’t caught up to it yet.

PracticalParrot,

I’m learning web design, and one of those topics I need to learn is SEO so the websites I make rank higher. While I don’t like the idea of “gaming the system” to rank higher, it kind of becomes a necessity when everyone does it. What for you makes it such a scummy business?

silencioso,

Because of AI, SEO it’s likely to disappear along with search engines. People will just ask AI instead of using Google or Bing.

funkless_eck,

I’ll take the bait a little. I will help small businesses out of SEO holes from time to time. My friends’ business was really stuck, and often you just need an outside eye to point out some obvious things: their home page was a splash screen with no text, they didn’t use the most-searched terms in their headings, they were using text-on-imagd with no alt text.

As, generally, it’s agreed we need businesses to have a society (somewhat unfortunately), and businesses need the internet to function nowadays (mixed blessing), I don’t think it’s necessarily bad to help the smaller guys succeed.

Drusas, in Why are we as humans obsessed with mass-extinction of our species?

My guess would be that it's simply because we are aware of the concept of extinction and have watched as other species have gone extinct. This causes some existential dread, like learning about death might.

Pons_Aelius, (edited ) in Why are we as humans obsessed with mass-extinction of our species?

One possibility: It is a weird case of "this moment in time is special because I am alive".

Humans have been around for thousands of years but I am alive now. I cannot think of what the world could be like without me so therefore the human race must end in my lifetime.

This in not a new occurrence either, there have been "end of the world" groups in almost every generation in history.

List of dates predicted for apocalyptic events

It is worth noting that people always think the apocalyptic event will happen within their lifetime.

The only real difference now is that the end of the world is now caused by humans via nukes or destruction of the environment rather than supernatural forces.

GONADS125, (edited )

I agree that the spotlight effect (or main character syndrome in slang) plays in. We tend to expect our life to be extra special somehow.

It’s also just fun to imagine exhilarating things. We’re still dumb animals who have fun riding endorphins, whether it’s skydiving or horror movies. Makes sense that myths about paranormal entities, natural disasters, end times, etc. are recurring in so many cultures. Same reason the Walking Dead is popular. It’s exciting to imagine!

The most alive I’ve ever felt has been being shot at, running from cops/security, and throwing myself into a dog fight to save my dog who was attacked. Even when being driven to the ER, I was riding such a high. I got messed up, but I won, and damn did that feel good and powerful. He was a big dog. In a sorta twisted way, I kinda eagerly await life’s unexpected events because of the adrenaline high and sustained retrospective excitement for a while.

What’s more exciting than imaging the end of the word as our species knows it? That’s the biggest factor in the answer to the question imo.

Cryophilia,

Well that’s weird. When I was younger I almost died so many times I lost count, and it wasn’t exhilarating. Just a broad sense of, “man, what a fucked up situation”.

fubo, in Why are we as humans obsessed with mass-extinction of our species?

The “pretending to be wise” answer is that it’s easier to deal with mass extinction than with individual mortality; that the thought of your own death is weakened by the thought of gigadeaths.

More seriously, though:

Major disasters have always been a large part of human cultural experience. Cities have been destroyed by earthquakes, volcanoes, or hurricanes. Within recorded history, plagues and famines have reduced prosperous civilizations to desperate stragglers living in ruins.

Preventing or surviving disasters is, therefore, one of the most important things humans can work on. Disasters loom large in our cultural consciousness because they really are large and because we can actually do stuff to make these problems less bad.

Disaster preparedness is, in fact, no-kidding, really important for you, your family, your city, your country, and the world as a whole.

Preventing avoidable disasters, including manmade ones such as nuclear war, is a major part of what makes world politics morally significant. Avoiding the devastation of war is a really good reason to get good at politics, diplomacy, peacemaking, mutually beneficial relations among peoples; and the high stakes of “shit, we could actually kill off humanity if we fuck up politics too badly” is a pretty good motivator.

So … we think a lot about bad shit that could happen, because bad shit really can happen, and we can do something about quite a lot of it.

JiveTurkey, in What are some modern bullshit jobs?

Professional athletes.

johannesvanderwhales,

Professional athletes? Nah. Professional sports team owners on the other hand…

Lemminary,

Por qué no los dos?

emergencyfood,

Ehh, watching sports is fun (for some people).

doublejay1999,
@doublejay1999@lemmy.world avatar

watching sport is free.

cricket97,

Not a bullshit job at all, unless you consider musicians to be a bullshit job too.

deegeese, in Why are we as humans obsessed with mass-extinction of our species?

The end of the world has been a recurring theme in many human cultures across millennia.

AI and nuclear holocaust are just modern takes on an ancient tale.

Cryophilia,

Except the nuclear holocaust one is actually quite possible and almost happened a couple of times. That’s what makes this a unique time in history.

neptune, in What was the cringiest moment of your life?

If it makes you feel any better OP I worked at Chipotle in a very white part of the US.

When you start out, you heat the Tortillas and the ask about rice and beans before someone else does the hard work.

White or brown?

Black or pinto?

Ok not super racist.

We hire this gay guy and a bunch of kids come in mispronouncing everything. He took major pride in asking them all if they wanted FA JITAS. Very funny.

Haywire, in What are some modern bullshit jobs?

“Startup founder”

257m,

That depends most startups are shit and fail but they still are useful. But the idea is VCs will just fund thousands of startups in hopes one is a unicorn and actually has a product worth selling.

Haywire,

But the founder is expected to use capital they don’t have to fund the business until it is attractive to people with capital. They are expected to market the product without marketing experience. They are expected to negotiate with people who are negotiating from a position of strength and who has much more experience. They are expected to be personally attractive to get interest from VCs. After they have gotten traction they are expected to be “coachable” and follow the advice of advisors that up until now have not been involved in the growth of the company.

The ecosystem is broken. Founders rarely get funding and when they do they end up losing most of the business they built. VCs are getting very few positive results.

257m,

If big VC firms were losing money in terms of net total they wouldn’t exist. Albeit most of them define success as being acquired by a big company like Google. As for independent VCs most of them are probably wasting heaps of money and just following the hype.

cricket97,

not a bullshit job either. being a successful startup founder is one of the most stressful and hard working jobs out there.

Haywire,

Stressful, expensive, hard working and statistically unproductive.

Pyr_Pressure, in What are some modern bullshit jobs?

Health insurance agent, health insurance CEO, health insurance board member, etc

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