lemmy.world has a mental health community that used to not allow posts mentioning suicide. Yes, a mental health community. Like wtf man. They only changed the rules because I made a meme criticizing that rule.
you dont even need adobe, if the statements are in a web page just use inspect element. Then technically the screenshot would be real until you reloaded the page
I remember the first time I ever saw that video was when I tried playing Enter the Gungeon. I didn’t even pirate it. I just screwed up when I was installing some mods lol
Yup. Adobe may not be the ones causing the housing crisis, but all this nickel and diming from other sources is part of the problem too.
Hey Adobe, if you want people to stop pirating your shit go back to a pay-once model or lower your subscription costs. Then maybe use some of that money you’ve got to help us out over here so we can afford to pay you.
You don't even need photoshop. Just use the inspect function in your browser and edit the values directly in the HTML. Free and much easier to not fuck up the formatting.
Surprisingly enough PDF is a (mostly) plain-text format, so you can probably still change the values in Notepad, unless they just did the whole thing as an embedded image or whatever
Rent often is. But since renting doesn’t build credit, lots of us can’t “afford” a house even though we’d actually be saving money paying a mortgage instead of rent.
Income requirements are often 3-4x the actual rent, so if someone has a good financial grip (no debt, no car) as many in NYC do, they may be able to afford it but not technically qualify. This is a sure fire way to become house poor but if you’re smart about it you can make it happen
The issue is you aren’t even “house poor” in that case since it is rent. “house poor” at least has a way out if you don’t fully go bankrupt and can sell the house at some point. This cash just goes in the bin.
That said: If it is your only option to live in NYC and you need to…
Remember that renting can be financially better, depending on circumstances.
Purchasing also throws some money away, interest, insurance, maintenance (which is more than people think), and actual purchase and sale fees to banks and realtors.
Often the recommendation is to only buy if you really think you’ll be in that house for at least 10 years, can put 20% down… and some other things I can’t recall of the top of my head.
If your mortgage+insurance costs are comparable to your rent, it is pretty much always better to “own” if you are planning to stay there for at least one or two years. Mostly because, with housing trends, you are making significant percentages of that back (if not a profit) when you leave. Albeit, that is a lot harder with the insane interest rates right now but… rent is also getting insane.
Because yes, your rent per month might come out a bit lower and you (probably) don’t have to worry about repairs. But all of that is just going down the drain.
That said, with the modern housing market: it is less that renting is “better” and more that you are fucked either way. But you can at least afford rent… to the degree that it will prevent you from ever building up enough cash for a decent down payment (20% would be nice to avoid PMI but it is far from necessary… depending on interest rates).
Everyone has to do their own math (if they even have an option, which they likely don’t). But the “ten years” advice has been wrong for years. And a lot of the people who jumped the gun and bought a house a few years back… have REALLY REALLY good interest rates and potentially a solid retirement asset (plus a home). And they either rent it out when they move or sell it for a significantly higher price.
But also: none of that really matters here. Putting the majority of your income into a mortgage is bad, but potentially has payoffs… sometimes. That is being “house poor”. Putting the majority of your income into rent has no payoffs and is mostly just a way to get trapped because you have no way to save up to change anything. And are pretty much screwed the moment you are unemployed/underemployed.
They ask for the stupidest things. They want 3x rent up front for first, last, security. They want you to have a full year of rent in your savings. Until laws were passed, a person in my town would have to drop $9000 on DAY 1 to rent a 2bd, 2bathroom.
Perhaps you’ve never rented before. Affording and “not qualifying” are very different things. Sometimes you make far more than enough money to rent but maybe you work in the wrong industry.
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