• 15 Posts
  • 636 Comments
Joined 1 year ago
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Cake day: June 15th, 2023

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  • That’s great, in theory. In reality, you’ll get stuck in a perpetual savings cycle like OP and in many cases never reach the mythical threshold.

    200k savings sounds nice, but if you have to spend 5 years saving and housing prices jump 80, 90, 200% in that time that savings lead gets entirely erased.

    You can always play around with your interest rate later on, but you can never change what you paid for the house


  • Real talk, forget about a down payment. There are a bunch of different ways to get a 0 down mortgage with varying qualifiers so that chances you qualify for one of them is quite decent.

    Even if not, there are still a bunch of other ways to get low down payment mortgages for ~3% down or less.

    Toss out the old adage of “20% down or bust” and keep any money saved towards it for savings for all the other costs of home/closing









  • I had Crapcast for awhile before fiber became available, I regularly use terabytes of data and their 1TB cap would be blown through in no time.

    If data caps actually solved a problem like it does for cellular networks, it’d be different. But it’s not, it’s a cash grab, I “just” had to pay Crapcast an extra 20$/month

    You see, for cellular, a tower is truly limited on the bandwidth because it must be shared among all cellular devices connected to it. And that could be thousands upon thousands of individual devices.

    But for hardline, the ISP builds a trunk to the neighborhood and they build it to spec assuming they would sign up a certain percentage (Probably like 80%, or more if they know they’re going to be the only service for a while) to their highest tier. If their highest tier is 1Gbps, then they build their trunk line to that neighborhood to handle 80% of the houses having 1Gbps service.

    They never get close to that percentage in the real world, most people are going to stick with some middle of the road package or slower. But, the trunk was built to handle 80% of the houses being active 24/7 at 1Gbps, which just doesn’t happen in the real world so a LOT of that capacity remains just at the ready.

    Now that’s just bandwidth, has nothing to do with the amount of data transferred, that line to your house is built to handle whatever the ISPs highest package is or planned higher, whether you use 1Gbps to transfer 1 GB of data or 1000 it doesn’t matter





  • The PADDs/Paper thing actually came up on a thread a while back. It is weird at first glance, but Tablets of today are not as cheap as paper so those kinds of “Drop off in an office across the hall” scenarios have yet to be conquered.

    But in Star Trek, PADDs are practically free thanks to replicator technology. People are social creatures, and some people do actually like to do that for other reasons. Maybe they like the periodic walk or they want to talk to someone in that office. Also, I like to think in that “stack of PADDs” scenario each PADD is more on a single subject with possibly hundreds of pages within or a single subject broken up across them for quickly scanning through a ton of data. I know B’Elanna has had a few scenes like that where she’s referencing multiple PADDs