443
Splitting the rent.
(thelemmy.club)
you are viewing a single comment's thread
view the rest of the comments
view the rest of the comments
this post was submitted on 18 Jul 2023
443 points (87.0% liked)
Memes
44230 readers
1663 users here now
Rules:
- Be civil and nice.
- Try not to excessively repost, as a rule of thumb, wait at least 2 months to do it if you have to.
founded 5 years ago
MODERATORS
If a partner moved in with me they absolutely would help pay my mortgage. But I wouldn't lie that I didn't own the place. Just set standards of what I expect
Let's be serious, the bank owns the place until it's all paid off.
What? Do you understand how homeownership works?
They aren’t wrong tho. If you stop paying your taxes they will take your house away. So in the end you may “own” it but you really don’t have full control, which raises the question on who really owns the land.
In the end the government has the control. Do you really own it?
If you don't pay your taxes and have any assets, will a court seize them if you refuse to pay? Sure. A private company can sue you if you don't pay for services and a court may also seize assets if you lose and refuse to pay. Do you own the assets?
Yes, obviously.
Hey guys, I found the anarchocapitalist.
Which makes you a slave to the government by virtue of taxes.
I’ll repeat it to the slow folks in the back. If the government can seize your property then you never owned it from the beginning.
As I say to all anarcho-capitalists: If you want to live on the land and not use any infrastructure whatsoever, then be my guest, you wouldn't need to pay taxes if you don't have any income 👍
Here's a great series by AdamSomething for why arachocapitalism is stupid: https://youtu.be/HTN64g9lA2g
If you want to participate in society, taxes are the fees needed to keep it going. Funnily enough we live in a society with laws and concesequnces for breaking them.
If you live in the US, it's understandable why taxes bother you because your infrastructure is crumbling, but that's because your voting system sucks and you keep electing shitty governments. Taxes themselves aren't to blame.
That and expropriation/eminent domain, etc. Even if you pay your taxes, if the government needs it, they have processes to take it.
I'm not saying it's an inherently bad thing, but it's another one of those important things to realize is already present if anyone wants to argue for/against certain government reforms.
You own the asset and the debt, don't pay the debt, forfeit the asset.
The debt is secured against the asset, otherwise they wouldn't loan to anyone.
That's what I'm doing with my SO. My house and my mortage but she pays about half of it though that includes also groceries, water and electricity
My partner said that when he'd move in with me, he'd pay his share. His logic is that he's currently paying a landlord and he'd rather pay me. That way I get more financial room to loan money again (I own my apartment, but have a mortgage), and he'd pay less than current rent, allowing him to expand on a down-payment buffer. Ideally this way we could upgrade to a small house in time, suitability split, and I keep the apartment to rent out or I can sell it.
There is power in combined finances, but you need to take into account what you'd do on your own. That said, I would prefer to be in a situation where I could just let him move in for free, as life is expensive enough already.
But I also believe that it is essential to a good relationship that each carries their reasonable share. I grew up with my mom fully depending on my dad for finances as she was a stay at home mother. I loved she was always there for us, but when my parents grew apart, she really struggled and dealt with a lot of guilt because she couldn't provide for us as before. This is why I've always made sure I could make my own way. My apartment isn't the greatest but I'm thankful every day I can benefit from ownership.