pixxelkick @ pixxelkick @lemmy.world

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3

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544

Joined

2 yr. ago

I’m just going to pretend you didn’t say

That's easier than confronting reality.

Due to the nature of my program I have to be near a hospital, university or major research institute

What field? There can be surprisingly financial options that are outside these scopes for industries that you typically associate with those.

Many private industries need to contract in specialists in fields for on site work. You end up away from home a month at a time often, but the pay can be very compelling.

Sure.

Doesnt change reality though, homes are affordable, you just don't get to live in a mansion on a median income which isn't a hot take.

Where I am the cost of renting a one bedroom apartment is around $1800 a month plus utilities on the low end. Mind you I am in a city but is you drive an hour and a half away to the farthest “commutable” burbs you are still looking at rents that are $500 for essentially a one bedroom basement suite.

So a suite halfway between the two for ~1100 probably exists 45 minutes away, which sounds completely workable and average.

That only sounds marginally worse than pre2020 when it was closer to ~1000.

That sounds pretty normal mate and not that unaffordable.

Nah it's easier to blame everything else in the world instead of take responsibility for one's own issues.

Not a new problem, an issue as old as time.

The amount of people I've met that frivilously waste money daily and constantly indulge in retail therapy, ordering out, etc, then complain they can't afford anything is astronomical.

If I had a nickel for everytime I heard someone wistfully go "once I get my shit sorted out...."

Mate, go fuckin do it then, sort your shit out. Stop going to the bar after work, stop ordering mcdonalds, stop smoking weed, and do something constructive with your time.

Depression sucks, I get it, I've been there. But at a certain point you gotta just accept the only person to blame is the self, but that also means the only person who can fix it is the self.

This is the sorta shit the aforementioned disinformation has been spreading.

As someone who recently bought a home in a major city, we had no issues like that.

Everything was by the book, we got an inspection, paid under asking price by a small margin, and now live in it. We did the min 5% down payment, and our household income was only about 70k total between the two of us combined.

Took us about a year and a half to save up the down payment, but we got there.

Right now there's dozens of homes I've seen up for sake for weeks and weeks, this month.

Mayne your specific city just sucks and you need to move somewhere affordable and sane.

You mean the president that largely became elected due to massive waves of disinformation smear campaigns and fear mongering?

me to care for my father

That's your choice to make then.

Moving is an option, you are prioritizing your father's comfort over your own life.

You can do that, but no one us forcing you to.

You can tell your dad "look I'm leaving, I can't afford it here. You can come with me or not, but I have my own life to live and this place is killing me"

If he doesn't come with you, then that's on him.

He is a grown ass man, you aren't his parent...

Often I see this case, if you purposefully choose to shackle yourself to a relative, that's no longer "the economy"s fault you can't afford life. You made a choice to live outside your means, and that choice has consequences.

You always have the option to leave and most if the time if push came to shove, your relative will cave and follow.

Of not, you aren't responsible for them, stop lighting yourself on fire to keep someone else warm.

Ah, that changes things a lot, upgrading a degree is a bit different than getting another one, that makes more sense.

What's stopping you from just moving somewhere better and applying your degree in a better market? Chances are there's a big corporation somewhere that will hire you with your experience and masters degree, with an office in a better location that actually has an affordable cost of living.

People on the internet? Reading things before responding to them?

I dunno, seems tough lol

No, it truly is, because that's how numbers work.

Median income should not be buying Median homes because that ignores the entire existence of renters markets.

You have to factor in the enter renter market plus the buyer market combined.

And if you do that then the Median price of a home suddenly plummets, as now your average home is a very nice well off apartment.

People hate on the concept of renting, but the real issue is unregulated renting.

Renting serves a critical economic role for people so it needs to exist.

But collusion and bad actors have poisoned the renting markets in many cities unhindered and that does need tackling.

Am I wrong?

"I have taken out three huge loans and now I can't afford stuff" isnt something I really sympathize with.

That's a terrible financial decision.

Even if you could afford the loans, wasting all the time in school getting three degrees I stead if, you know, working, is also massjve money lost. Every hour in school is an hour that could've been spent at a job instead.

Even at minimum wage you usually "lose" another 10k to 15k a year you spend in school instead of working, best case scenario. If you can make better wage though that can balloon up to like 30k a year in lost potential income.

You sound 4 years doing that a d that's *120k you can never get back on top of the actual cost of the degree.

And this person did that twice and is gonna do it a third time?

Bruh that's like 360k+ now, that's a whole ass house they just lost

Stop jumping between degrees, it's not gonna magically make you stop hating work. Pick a lane and stay in it. Everytime you jump lanes you set yourself backwards 6-8 years

This person's indecision and inability to just stick to it, combined with "grass is greener" mentality is why they can't afford shit.

Terrible financial choices. I'm not being mean here, it's just a stone cold fact.

I'm hoping they realize this and don't make the mistake a third time.

median sales price

Do you understand what the implications of this figure mean for housing affordability though, cuz it's not the indicator you may think it is.

Too many people think median/average/etc house price figure is meaningful for housing affordability, but it's a mostly useless value for people buying their first home.

You'll notice though most doomer "no one can afford houses" content build their entire info on average and median house prices.

The median or average house is a fucking mcmansion though, not your first home.

Once you realize that, the rest of the following info clicks into place as the entire premise is built on the assumption that you wanna buy a small mansion as your starter home, and suddenly its like "ya no shit that's not affordable"

My latter statement needs to legally be specifically limited to disinformation on specific topics. Posing as a doctor and giving faje health advice, posing as an investor, etc.

Will it cover all disinformation sources? God no, you are 100% right that major news outlets are a captured market now.

But cracking down on some disinformation is better than nothing.

During Covid 2020, there was a study that found the vast majority of disinformation could be sourced back to like, I want to say it was like a total of only a couple dozen specific people? Like a small handful of trolls basically could be blamed for a huge amount of disinformation. Some of them profited off it.

I think cracking down on the "source" points of bullshit could be a good starting point to at least taking a very large chunk out of the problem.

(100 bucks says many times it will be found to be Russian or Chinese actors at play in one way or another)

So, you live in a place that the local area has exceptionally high cost of living...

Why would you want to buy a home specifically there?

If you can't afford the cost of living in a location, that just means you have to move somewhere you can.

Which usually just means moving to the suburbs or 1 town over and suddenly the price is 1/10th.

It is working for the majority is the thing. Most people have jobs, food on the table, and a roof over their head.

The people not well off are at a local maxima, sure, but way more than 50% of people have a comfortable life here in the west, so the system is working for most people.

It's a tough pill to swallow, as much as life sucjs here in the west, it's still a fuck tonne better than many other way way way shittier countries out there. US and Canada are still in the top 20% of places to live in the world.

So... you paid for two degrees already and are going for a third, and you are having financial issues?

Do you have all three of your degrees fully paid for (all debt on the first two gone, and enough money for the third without having to take out a loan)?

Otherwise it sounds like you are bad with money. Taking out huge loans you can't afford isn't the path to affordability. It's pretty rare that degrees are a good financial investment.

Degrees are mostly a passion investment. You need to already be well off enough to afford all the extra costs to get the degree, abd you are paying money to do a job you like after.

There's tonnes of jobs that pay incredibly well that don't require a degree at all.

Taking out a large loan to get a degree is a terrible financial choice.

If you just care about finances, go work a job that pays well and has a low barrier of entry that anyone with a pulse can get into.

If you want to do something you are really passionate about and it's financial investment sucks, that's the tax you simply pay to have a job you prefer.

The intersection of:

• job pays well
• it isn't dangerous/strenous/awful hours/tough
• it doesn't require a degree and thus a huge loan, thus isn't a poor investment

Is extremely rare. There's a couple trades that aren't too bad, but they usually pay well due to a low demand low supply situation.

What CLI tools do you find have install problems on Powershell?

Everything I've used can be installed "headless", often using winget now.

But powershell just sucks and windows file system is cumbersome, so limux is still better.

This isn't limited to pharma, this is pretty much every industry.

Software Developers need a Hippocratic Oath, and to unionize to enforce it.

The way devs get strong armed into writing morally questionable code is a big problem nowadays.

Missing the other big factor:

There's a large quantity of influencers profiting off of doomsaying and convincing millennial they can't afford homes with bad math and bogus statistics. They churn out clickbait content with unfounded claims, purposefully designed to rile up viewers and drive engagement.

This of course applies to many topics, housing affordability just being one, that turns out drive big engagement by spreading disinformation.

It's actively profitable to lie on the internet nowadays, so lots of my fellow millennials have an extremely soured and warped perspective of reality, because if you keep getting told lies by enough different random strangers on the internet on a topic you aren't familiar with, you'll start to believe it.

Spreading disinformation, especially about serious topics like economics, medicine, politics, religion, etc, needs to be cracked down on more. Posing as a professional online and spreading damaging info on purpose should result in jail time imo.