you can easily find out by rightclicking the image and showing it in a new tab and copypasting the url into a texteditor, then rightclicking the image in the discord, copying the url, and pasting that too, and comparing both up to the ? (ignore everything afterwards)
I feel like if you were writing enough to be willing to pay that much it it would be more worth it to just learn to use LaTeX and have it all handled automatically
Well it will automatically generate the citation, it just won’t automatically get the information for it, which has never been an issue for me but thinking about it I can see how it would be sometimes
I think Zotero can generate a file which you can then import into LaTeX with all of the citation details. That’s worked very nicely for me in the past.
Such a godsend! Especially the auto detection features. Just drop the PDF into it and it finds everything needed for a correction citation. I wish website citations would be better tho
If you consider the human brain works in 90 min chunks for most things including sleeping, that is completely within spec. For another chunk of sleep, you need to go to bed 60-80 min earlier.
This is what the capitalist’s reverse mortgage scams they advertise 24/7 on Fox News are for.
And what a quintessentially stereotypical boomer thing to do too, basically leaving their paid off home to a bank for a pittance instead of their kid because fuck everything and everyone once they’re dead.
“Burn my trees upon death so no one can sit under them, and salt the Earth so no others can grow. Everything was mine and it’s no fair I can’t take it with me to supply side heaven.”
Regardless of the clear predation of the reverse mortgage industry, you realize they have to get the equity out of their house or they’ll starve to death, right?
The problem is the system itself, not elderly people who need to make ends meet.
You realize that predatory crutches become systemic necessities precisely because they band aid such systemic issues from being addressed properly right?
Social security exists because seniors were dying in the streets.
Predatory reverse mortgages shouldn’t exist to exploit desperate people who would otherwise die, anymore than payday loan traps shouldn’t exist getting people trapped in impossible interest traps over a one time shortfall.
Instead of going through the pain and having society respond through governmental policy change, you now have predators making things far worse long term installing themselves as the “free market solution” that needs to be protected by government while bleeding already struggling populations to new depths.
A pay day loan /reverse mortgage may save a person here or there, but their existence at large hurts so many more. I will say it point blank: it was worth a lot of people dying to get social security enacted, because it was a real solution to a real problem, not yet another level of con game drawing out the pain.
And no, social security would not have been enacted when it was without those deaths. It would have been a far worse outcome for society if some predatory workhouse industry moved in and “saved” them in some cruel for profit scheme and declaring the problem “solved.”
Oh ok, so you agree those seniors shouldn’t have eaten because reverse mortgage scams shouldn’t exist and your initial reply had no point, got it. How Seinfeldian.
Even if it’s not, houses appreciate 5% a year on average. Assuming average appreciation over 10 years that house is now worth ~163% of its original value. That means that the mortgage was taken out for ~61% of what a comparable house would go for today which assuming the same interest rate would be a fairly significant reduction in the monthly payment. You also have the potential to refinance to further reduce that monthly payment.
Or you could sell it and get that 10 years of equity + appreciation out in cash and that might be enough for a sizable down payment elsewhere.
TL;DR unless your parent’s place is a dump in a low demand area it’s an asset even if it isn’t paid off.
That’s valid, but if it’s a dump I would have a hard time describing it as an asset, at least in the financial sense. But I suppose it could be if you’re willing to put in the work to fix it up.
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