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[-] Kit@lemmy.blahaj.zone -1 points 1 day ago

I worked at banks for most of my career and was engaged to the lead mortgage lender, and together we hosted quarterly free events for our community to show people how to get into homeownership. I suspect you're lying in bad faith to try to scare people out of homeownership and push the agenda that Millennials and Gen Z can't own a home. I encourage anyone reading this to do their own research and contact their bank's mortgage team to determine if its feasible for them.

Over half of millennials are already homeowners, and I'd love to see that number go up.

[-] Kit@lemmy.blahaj.zone 1 points 2 days ago

PMI would be $1200 in your example, not $2500.

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I was shocked in the presidential debate that Harris gave staunch support for fracking. I was under the impression that democrats are against fracking, and remember people being critical of Fetterman for supporting it.

I also grew up in an area that was heavily impacted by the pollution from fracking. People who worked in the field were seen as failures of moral character who chose profits over the health of their children. How is it that both major parties are now in support of it? I feel like I must be missing a piece of the puzzle.

[-] Kit@lemmy.blahaj.zone 1 points 2 days ago

In what reality is PMI close to a rent payment? It doesn't seem like you know what you're talking about.

I think you're dramatically overestimating how much it will add to a mortgage to use this strategy. For example, let's look at a $250,000 home - the average for my area.

If you put 20% down, your payment will be $1242/mo plus Property Taxes. Certainly cheaper than rent, but most folks don't have $50,000 sitting around.

So let's say you put $0 down and roll $9000 closing costs into your mortgage. Your monthly payment will be $1,843 of which only $214 is PMI. Still cheaper than the average rent in my area.

Even if you're buying a $1mil home with this strategy, the PMI would only be $850/mo. Where are you getting that PMI would be close to a mortgage payment?? You seem to be regurgitating bad faith advice that keeps people scared of homeownership when the reality is that it's an excellent move for many folks.

[-] Kit@lemmy.blahaj.zone 8 points 2 days ago

Reach out to your bank. If they have nothing, call your local credit unions.

[-] Kit@lemmy.blahaj.zone 3 points 2 days ago

I went thru USDA for my first home and they had similar constraints. Talk with your bank's mortgage lender. It's possible that an FHA loan would do you better.

[-] Kit@lemmy.blahaj.zone 33 points 2 days ago

In the US, if you're a first time homebuyer you can buy a home with zero cash in hand. You can roll closing costs into the mortgage and have no down-payment. You'll pay more out of pocket for a few years but in many areas it's still cheaper than rent - and rent just keeps going up while a mortgage stays the same. Many states also have free programs where you can take a class and they'll give you a grant towards buying a home.

Credit unions tend to have the best rates. Get into a credit union even if it's just a secondary account that you toss $5 into each paycheck.

Also, there are programs through Fannie Mae and Freddie Mac for first time homebuyers that prioritizes them over investors. This is the easiest way to get into homeownership but the houses are usually fixer uppers.

[-] Kit@lemmy.blahaj.zone 20 points 4 days ago

The CAPS is brilliant

[-] Kit@lemmy.blahaj.zone 1 points 4 days ago

There will always be someone making more than you. The only person you should be competing against is yourself, to reach your goals in life. If your goals are to become a doctor, then go back to school and do it.

[-] Kit@lemmy.blahaj.zone 1 points 5 days ago

Don't sleep on the potato soft taco.

[-] Kit@lemmy.blahaj.zone 60 points 5 days ago

Pittsburgh is making great strides in this. They've been tearing down parking garages and building condos, forcing everyone to take public transportation. The light rail is even totally free, making it easy for everyone to get there.

[-] Kit@lemmy.blahaj.zone 24 points 6 days ago

I pay thousands per year in school taxes and the vast majority goes to school administrators making 6 figures. We can't just toss more money at schools to fix this - we need legislation stating how the money is used. The money needs to go to the kids and teachers instead of clueless rich people.

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submitted 1 month ago by Kit@lemmy.blahaj.zone to c/asklemmy@lemmy.ml

My bestie broke both of his arms and wrists two days ago. He's in his 20s, a gamer, has a pregnant wife and a young kid. Any ideas for gifts I can get to cheer him up? He'll have no use of his arms for 3 months.

Already got a bidet for him and hooked it up. Looking into accessible gaming controllers, but he said that the pain is so bad rn that even alternative controllers are probably a no go.

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submitted 1 month ago* (last edited 1 month ago) by Kit@lemmy.blahaj.zone to c/sysadmin@lemmy.world

Took me a few hours to figure this out, figured I'd pass it along. Forgive formatting, I'm on mobile.

How to Bypass Bitlocker for Crowdstrike BSoD

Only use this if the Bitlocker key is lost.

 From the Bitlocker screen, select Skip This Drive. A command prompt will appear.

Type bcdedit /set {default} safeboot network and press Enter.

Type Exit to exit the command prompt, then select Shut Down

Hardwire the device to the network

Login as an admin account

Navigate to C:\Windows\System32\Drivers\Crowdstrike and delete C:\windows\system32\drivers\crowdstrike\c-00000291-*.sys

Win+R to open the Run menu, then type msconfig and press Enter

Go to Boot

Uncheck the box for SafeBoot

You will receive a warning about Bitlocker. Proceed.

Click OK and you will be prompted to restart. Do so.

Have the user login

Test their access to files

10
submitted 2 months ago by Kit@lemmy.blahaj.zone to c/homelab@lemmy.ml

I have a host name whose dns points to my home IP. I use this for game servers for my buddies. Should I be worried about my home IP being easily accessible like this, and should I get a physical firewall appliance to protect myself?

Servers are running Windows Server 2019 and Mac OSX.

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submitted 3 months ago by Kit@lemmy.blahaj.zone to c/food@beehaw.org

Rice crispies and marshmallows were on sale, but I want to fancy them up a bit.

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submitted 3 months ago by Kit@lemmy.blahaj.zone to c/linux@lemmy.ml

I have a raspberry Pi 4B that is connected to a CRT TV via Composite and controlled with a PS4 controller. I'd like to use the Pi for Netflix, Plex client, and playing DVDs from an ext drive. What distro would be best for this?

I tossed Retro Pi onto it and the controls work great but I can't figure out how to install the media apps.

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submitted 4 months ago by Kit@lemmy.blahaj.zone to c/food@beehaw.org

Pretend you have a fully functioning kitchen and filtered water. There is no limit to how much food you can bring, but you have to carry it. What would you bring?

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Should I get a 2nd cat? (lemmy.blahaj.zone)
submitted 9 months ago by Kit@lemmy.blahaj.zone to c/asklemmy@lemmy.ml

I own a condo and have one dog and one cat. They get along and play all the time, but I feel like the cat is often lonely and missing a cuddling companion. He's a rescue who was a street cat for years before I adopted him. I've been considering fostering or adopting another cat to give him company. Thoughts?

15

My boyfriend asked for a computer build for podcasting and light gaming for Christmas. He specifically wants a custom build desktop and I wasn't able to talk him out of going this route. We're starting from zero so I'd need to get a tower, monitor, keyboard, mouse, mic, webcam, etc. Trying to keep it under $1300ish for the package.

What kind of specs should I target to future proof the system for podcasting in case this becomes a serious hobby for him? I've built hundreds of PCs in my lifetime but never had to consider audio/video production. Also curious if anyone has advice for the podcasting equipment.

Thanks ahead of time.

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submitted 1 year ago by Kit@lemmy.blahaj.zone to c/homelab@lemmy.ml

I've been running a full tower Windows server with a dozen drives for a decade and decided to downsize. This ministack does everything I need at a fraction of the power, noise, and heat.

I use it primarily for Plex but also host a few games servers for buddies. It fits perfectly in my entertainment center.

Spent around $200 on the Mac Mini plus $600 on the drives and enclosures. I'm using SoftRAID for RAID1.

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submitted 1 year ago by Kit@lemmy.blahaj.zone to c/sysadmin@lemmy.ml

I’ve started at a medium-sized org (~1500 users) that has over a dozen global admins in 365, plus another 80 users with various 365 admin access. Does anyone have any tips for how to identify what access the users actually need?

I tried punching up a questionnaire with all of the available options, but my test group reported that it was too convoluted. I’m not sure how I can better identify their needs without interviewing them one-on-one, or just ripping away access and seeing who screams.

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Kit

joined 1 year ago