this post was submitted on 31 Aug 2023
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Unethical Life Pro Tips

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An Unethical Life Pro Tip (or ULPT) is a tip that improves your life in a meaningful way, perhaps at the expense of others and/or with questionable legality. Share your best tips you've picked up throughout your life, and learn from others!

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[–] [email protected] 7 points 1 year ago (1 children)

Our mortgage is $2600 month. My wife has a much better paying job than me. I make $2200 a month after taxes/deductions. She is currently going through cancer treatments and although everything is looking positive it really got me thinking about what the hell does life look like for my family if something happens to my wife?

I've had the same bus driving job for 23 years. I'm undereducated. A 2 bedroom, 1 bathroom apartment is $1600 month here. I don't know how I'd ever be able to take care of myself and two kids.

They want us to have 80k+ in school debt so you can be allowed to have mortgage debt or rent and own nothing. I don't know where I'm going with this but I'm just bummed out about life right now.

[–] [email protected] 1 points 1 year ago (2 children)

That's what life insurance polices are for. Will be pretty hard to get one with her cancer diagnosis though.

[–] [email protected] 1 points 1 year ago (1 children)

Are you not required to have a joint life assurance policy as a condition of a mortgage in the US?

[–] [email protected] 1 points 1 year ago (1 children)

lol no, the bank doesn’t care, they’ll just take your house if you can’t pay

[–] [email protected] 1 points 1 year ago

You literally beat me to this reply by like 4 minutes haha. Banks were giving variable mortgages to people who could barely afford current rates, they don't give a shit.

[–] [email protected] 0 points 1 year ago (1 children)

Love how everyone in this subthread are sure they all live in the same country with the same rules and same banking system.

[–] [email protected] 1 points 1 year ago

Globalization and capitalism babyy

Not a fan of the latter but that's life ☹️

[–] [email protected] 6 points 1 year ago (1 children)

Mandatory "use GIMP: is free and open source" comment

[–] [email protected] 0 points 1 year ago (1 children)

Just pirate Adobe and get the best of both worlds.

[–] [email protected] 1 points 1 year ago* (last edited 1 year ago)

I justify the use of Adobe for professional use cases, like "I have to print a label with a specific set of colors and GIMP has bad CYMK support".
If you have to put a signature where there isn't one or stuff like that, GIMP is more than good for the job and in the meanwhile you're helping a community project to grow.

[–] [email protected] 4 points 1 year ago (2 children)

And then you get bankrupted by the excorbitant creative cloud license costs.

[–] [email protected] 3 points 1 year ago (1 children)

Do what you want cause a pirate is free, you are a pirate! 🎶🎵🎶

[–] [email protected] 1 points 1 year ago

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

[–] [email protected] 1 points 1 year ago

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.

[–] [email protected] 4 points 1 year ago (1 children)

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.

[–] [email protected] 2 points 1 year ago

Works if your statements are in a web format. But most of this stuff is a PDF you download.

[–] [email protected] 3 points 1 year ago

it is FUCKING INSANE that apartments get to ask for all sorts of invasive shit like this and that's just fine. yeah god forbid you take on any risk, we're only committing to fucking thousands a month, fuck you.

[–] [email protected] 2 points 1 year ago* (last edited 1 year ago)

They don't check your credit? They checked my credit the last time I rented.

Also you don't need to photoshop when it's easier to edit the html.

[–] [email protected] 1 points 1 year ago (1 children)

Renting is fucked. Some people probably know about this site but just fyi https://ratethelandlord.org/

[–] [email protected] 1 points 1 year ago* (last edited 1 year ago)

It's land ownership laws that're fucked. Here’s the original game of Monopoly before it was stolen by a capitalist- The Landlord Game, a teaching aid for workers to understand why land owners are the problem. It’s a pretty old problem.

https://philadelphiaencyclopedia.org/wp-content/uploads/2015/10/lg-1903_arden-board.jpg

[–] [email protected] 1 points 1 year ago

They wanted to DNA test my dog and keep his biometric data on file as part of the terms of the last lease I was looking at.

I uhh, didn't fucking sign. The neofeudalist movement is for real.

[–] [email protected] 0 points 1 year ago (1 children)

I work in property management and see fake pay stubs/ fake bank statements 4 or 5 times a week. You might be surprised how easy they are to spot.

[–] [email protected] 0 points 1 year ago (1 children)

The bad ones sure. You have no idea how many get by you because they're done professionally.

[–] [email protected] 1 points 1 year ago

They can find out how much you make anyway. It’s called “The Work Number”, and I think it is a gross invasion of privacy. Employers use it against prospective employees to keep wages low.

[–] [email protected] 0 points 1 year ago (1 children)

I mean, that's fraud, but you gotta do what you gotta do, housing is ridiculous now. How is there no legislation or anything being done to fix this? And how convenient is it that all of this is happening after we had a President who makes money off of real estate?

[–] [email protected] 1 points 1 year ago

I'd do it too. Rent requirements are unrealistic as is general housing. There has to be more homeless people than ever now.

[–] [email protected] 0 points 1 year ago (1 children)

It's easier and way cheaper to rent a room in a house somewhere if you're looking to save money since the rental market looks miserable right now.

Plus, having roommates can be great.

[–] [email protected] 1 points 1 year ago (1 children)

When I was 22 I lived in a curtained off corner of an attic in a house with 13 other people. It was so, so fun. I thought to myself, I could live this way forever! Why do older people get scammed into believing that they need to spend all their money on living alone?! I'm old now. I'll live with a partner or live alone. I'm done with room mates.

[–] [email protected] 0 points 1 year ago (1 children)

13 people is a bit too much. I was thinking like 3. Above that, it gets too messy.

[–] [email protected] 1 points 1 year ago

Yeah, some years back I got nostalgic about it and was watching New Girl and decided to get a room mate. Nope. Nopity nope nope nope.

[–] [email protected] 0 points 1 year ago (2 children)

I have an idea, let's print more money and increase government spending. Surely that will decrease inflation... right?

"Delusional", is an understatement when describing your kind that wants all kinds or free services, but complains about inflation.

You, Americans, are about to get a taste of reality soon enough. I'm watching you fall and laughing my butt off. You deserve every micro little bit of this. Keep voting for politicians that spend more money recklessly, and keep voting for more unfunded social programs, and keep exporting all industry outside of US and increasing your trade deficit, and one day your government bonds won't be worth shit, and inflation will become hyper inflation, and all those like me will only continue laughing.

Enjoy the decline, and remember that the more you fall, the more I'm laughing in the backseat.

Now do your clown show and call me names to feel better.

[–] [email protected] 1 points 1 year ago

Listen, I hate this country as well, but you just sound like an actual child

[–] [email protected] 1 points 1 year ago

and remember that the more you fall, the more I’m laughing in the backseat.

So when the car finally crashes, you'll be right there to die alongside the people you're laughing at? How thoughtful!

[–] [email protected] -1 points 1 year ago

Get pirated adobe or use gimp