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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[–] DoomBot5@lemmy.world 86 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.

[–] Saeveo@lemmy.world 19 points 1 year ago (6 children)

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

[–] stalfoss@lemm.ee 51 points 1 year ago (1 children)

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

[–] Corkyskog@sh.itjust.works 15 points 1 year ago (2 children)

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.

[–] shortwavesurfer@monero.town 8 points 1 year ago

I would never ever take an adjustable rate mortgage. That is just begging to get fucked. Like right now for example. My mortgage is like 4.2% but if it were an adjustable id be at like 6+% and be out of a house.

[–] transientDCer 8 points 1 year ago

Not anywhere that I've seen, just home owners insurance and mortgage insurance if you pay less than 20% down.

[–] Denalduh@lemmy.world 5 points 1 year ago

Nope, at least not for my mortgage. The only thing that was required was a home owners insurance policy.

[–] June@lemm.ee 3 points 1 year ago

I bought last year and there was nothing in the process that wanted either of us to have life insurance.

[–] Maggoty@lemmy.world 3 points 1 year ago

In the US they want you to default. They can flip the house for more than you owe them.

[–] Astroturfed@lemmy.world 0 points 1 year ago

Lmao, what? You really think that?

[–] AeonFelis@lemmy.world 11 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.

[–] lemann@lemmy.one 4 points 1 year ago

Globalization and capitalism babyy

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