So my lease for my apartment is up toward the end of this year, and now that I can work remote, I’m thinking of moving somewhere less expensive and finally buying a home. Can anyone with experience give me advice on the process or resources I can use? Not only am I a total noob, but I don’t talk to my family and my friends...
Assuming you are in the US, the process is lengthy and there’s a lot of hurry up and wait, but it’s not too bad.
First you save up your down payment which can be as low as 3% of the purchase price (or even lower for some people, many vets pay 0% down). 20% or higher will get you a lower payment because you don’t have to buy insurance for the bank and may get you better rates.
Next pick a lender either by manually calling around to a bunch of banks and seeing what they offer or by going through a mortgage broker who gets paid by the bank for bringing them business. When you have picked your bank you want to get pre-approval for the amount of money you wish to borrow.
Contact a real estate agent who works for buyers. Recommendations from friends and family help a lot here. Broadly you want somebody with a lot of experience who helps a lot of people buy homes. You generally don’t want your cousin’s friend’s barber who’s starting up real estate as a side gig.
Your real estate agent helps guide you through the local market practices. You tour houses and if you find one you like your real estate agent helps put in the offer which will likely include a payment of earnest money which you will lose if you pull out of the contract.
If the offer is accepted you and your agent negotiate the purchase agreement with the seller including any contingencies such as passing a home inspection.
You sign a bunch of papers with the bank, nowadays probably on a website. The title company does their work including writing a title insurance policy. This stage takes about a month.
When everything is already you will sign the final papers and get the keys.
After a month or two your bank will inevitably package your mortgage into a bond which is sold to one of the hilariously evil and predatory mortgage-backed security companies that are still doing the same shit they were when they ruined the world economy 15 years ago.
Budget roughly 1-3% of the home’s value in savings per year to pay for maintenance and repairs.
Edit, addendum: hire your own lawyer to review the contracts. This will cost about $1,000. If you don’t already have a lawyer you can contact your state bar association to find one that is relevant to your needs. Don’t buy a home as co-owner with a person to whom you are not married. If you must, you will need your lawyer again to draft up a full partnership agreement that describes how to divide the asset in the event of death, disinterest, disability, disloyalty, etc. You don’t want to be half owner of a house with your deceased girlfriend’s parents who want to sell it out from under you. Pick a number as your budget and stick to it. The temptation to get a house that is a little bit nicer will always be there. This is how stupid decisions are made.
The ssh tunnel might not work because the linux os reserves the ports 0-1023 to OS. You need higher priviliges to reserve this ports for your applications. If you type sudo ss -tulpn you can see the applications that are bound to you ports. Do you see nginx behind local addresses 0.0.0.0:80 and [::]:80 ?
I’m using Jerboa and I can make posts and reply to comments and everything, but if I try to post an image anywhere I get a weird error “end of input at character 0 of”. What am I doing wrong?
About the quick numbers from 0 to 2 million, a "flying start" I read that many services in the first months inflate their numbers. Just a normal thing. But now days, it's unnecessary.
Im assuming many Instagram users who join #threads dont care about being scraped. Sorry if my terminology is not correct, im referring to the permissions, see images
@atomicpoet@fediversenews
There are hundreds of Tweets today from users (bots) with 0 followers saying they tried Threads, hated it, and have come back.🤔
Der Artikel ist nicht sonderlich gut, aber die Kernursachen für die Wut der Menschen werden da schon berührt.
Die Schulen sind marode, es gibt zu wenige Lehrer.
Im Saale-Orla-Kreis arbeiten so viele Frauen und Männer im Niedriglohn-Sektor wie kaum woanders in Deutschland.
Sie selbst arbeite drei Schichten in einem Unternehmen, das optische Geräte herstellt, und verdiene knapp über Mindestlohn.
Da wurde soziale Sicherheit genommen. Das geht an die Identität und erzeugt Existensängste. Jede Bundesregierung der letzten 30 Jahre hat da was beigetragen - entsprechend gibt es auch 0 Vertrauen in irgendeine etablierte Partei. Und während das jetzt vielleicht noch nicht für 'ne AfD Bundesregierung reicht, so wird das in 2-3 Legislaturen schon anders aussehen. Ohne massiven sozialen Ausbau bleibt der Trend, wie er ist.
Es geht um eine Schimpf- und Neidkultur, die wenig mit den realistischen Umgebenheiten zu tun hat. Erkennt man ja gut in dem Artikel mit dem Beispiel der Geflüchteten, die gerade mal 0,6 Prozent der Bevölkerung in Thüringen ausmachen. Da wird sich dann aber trotzdem über eine ‘Flüchtlingswelle’ das Maul zerrissen, die angeblich den Wohlstand auffrisst.
Specifically, when you open a reasonable number of tabs in any browser, the tabs look like this. However, as my friend has just imported all of his tabs and bookmarks over from Chrome to Firefox, he has an immense number of tabs open right now; in Chrome, he can see all the tabs at once with its UI. On Firefox, however, it keeps...
Unfortunately this friend is extremely autistic and is having a full-blown panic meltdown due to "they can't see all their tabs without clicking a button". I've been encouraging them for several years to slowly migrate to firefox as they've been suffering crippling performance issues and memory leaks with chrome, but instead of heeding my advice (to slowly acclimate themselves to differences like this) they just found a tutorial to import everything at once and now they're overwhelmed with all the differences happening at once and panicking.
I found the browser.tabs.tabMinWidth setting in about:config and suggested they set that to 0 but it's only a compromise at best and I doubt they will end up sticking with firefox at this rate to be honest.
Are the tab grouping addons not useful, there’s so many. I personally don’t use them since I’m more of a 0 inbox and under 10 tab kinda person. I’d rather have 3 browsers open for different workflows.
I find it hard to navigate without being able to see the favicon and page name on the tab but if I had many, some sort of auto grouping extension might be immensely helpful.
I've narrowed my tabs with userchrome.css so that they look like this. I think you could make the min-width even smaller so that the scrolling never happens, but then the tab icons won't be visible.
Can't bother debugging my userchrome right now to give a reproducible example but I think this is the relevant part:
.tabbrowser-tab[fadein]:not([pinned]) {
min-width: 30px !important;
padding-inline: 0 !important; /* not sure why I added this */
}
Found this post super informative as it relates to Mastodon, and thought Lemmy might also benefit from this perspective. I’m not sure I share his optimism, but his points seem sound to dampen some of the alarm bells over Meta joining the Fediverse.
The people that would abandon one platform to follow their favorite "high follower" poster are normies that never cared about what service they were using to begin with
Thats now how things work. Let's say that now you are following people from fediverse. Those people are motivated to post things, because someone needs to, because they want to grow the community, etc. Meta joins, then meta people post a trillion things(because they are a trillion people, some of which might even be paid by meta). Those initial fediverse people no longer post things because "they have already been posted".
Then you defederate meta. Congratulations, now you have 0 content and 0 content submitters. You will start to start from the beginning, from an even worse point than we are atm. You are now dead.
Very few people are as ideologically driven as they think they are. Ultimately it is about quality of life. And maybe you can tolerate some junk because of your ideology but everyone has their limit. Content is king, not only for the "normies" but for everyone. What is the point of a fediverse that has nothing to interact with and noone to interact with you?
My point is that we shouldnt enable those big companies even more than they currently are. We shouldnt let them into our own garden. This is a lemmy.world thread, i didnt even know that, i am using kbin. Tomorrow, this might have been a threads thread and i might have not even noticed it. But if for x, y, w reasons, kbin defederates from threads one day, i will notice that most of my feed will have 0 content all of a sudden.
Taking stuff away is a very powerful motivator. We will end fighting human nature. While if we never federate with threads and naturally grow the rest of the fediverse, this wont happen. It's easier to grow a garden amongst other gardens than to grow it next to a skyscraper.
My understanding is that favorites are equivalent to twitter likes, and boosts are equivalent to twitter retweets, but on twitter people like way more then they retweet, so why is it different on mastodon?
Usually it appears that way (like I was surprised some posts had 0 likes/favourites), but when I click on the post or go to the original source - it shows a higher number.
I just assumed that instances don’t automatically gather likes as readily as boosts.
Right now I have my feed sorted by Hot. The sixth post in my feed is 19 days old, has zero comments, and one upvote. I’m struggling to work out what algorithm is deciding this is a Hot post
As title says, I’ve read several guides across the internet but I still don’t understand if you can use Rif again with 0 costs in money and if you can use all functions of Reddit is fun....
I saw “Blackberry” yesterday and it was a really good experience putting you in the context of those times.
There is one scene where they type a message and wait for it to show up on another device. After a few seconds, it is there and every engineer in the room celebrates.
Then, management/sales guy comes in and they tell about what they’ve just done. He goes yeah, nice, but we do it already, it’s called SMS.
The engineers then say that he is not getting the point. It was a message sent through the network using data, 0 dollars and all and salesman’s eye get brighter.
One of his main talking points it’s how we are all living on the matrix and you have to deprogram yourself, of course he sells courses on how to do exactly that!
It is one of those things when scam artists poke at general sentiment but actually their message has 0 substance, similar to when alt righters say that cultural marxists have taken over. It means nothing but they love to play the underdog to some nefarious force, pretending to resist which is the way they use to justify why their ideas are so frowned upon on today’s society.
For example, if you had an 8-bit integer represented by a bunch of qbits in a superposition of states, it would have every possible value from 0-256 and could be computed with as though it were every possible value at once until it is observed, the probability wave collapses, and a finite value emerges. Is this not the case?
Not really, or at least it's not a good way of thinking about it. Imagine it more like rigging coin tosses: You don't have every single configuration at the same time, but rather you have a joint probability over all bits which get altered to produce certain useful distributions.
To get something out, you then make a measurement that returns the correct result with a certain probability (i.e. it's a probabilistic turing machine rather than a nondeterministic one).
This can be very useful since sampling from a distribution can sometimes be much nicer than actually solving a problem (e.g. you replace a solver with a simulator of the output).
In traditional computing this can also be done but that gives you the fundamental problem of sampling from very complex probability distributions which involves approximating usually intractable integrals.
However, there are also massive limitations to the type of things a quantum computer can model in this way since quantum theory is inherently linear (i.e. no climate modelling regardless of how often people claim they want to do it).
There's also the question of how many things exist where it is more efficient to build such a distribution and sample from it, rather than having a direct solver.
If you look at the classic quantum algorithms (e.g. https://en.wikipedia.org/wiki/Quantum_algorithm), you can see that there aren't really that many algorithms out there (this is of course not an exhaustive list but it gives a pretty good overview) where it makes sense to use quantum computing and pretty much all of them are asymptotically barely faster or the same speed as classical ones and most of them rely on the fact that the problem you are looking at is a black-box one.
Remember that one of the largest useful problems that was ever solved on a quantum computer up until now was factoring the number 21 with a specialised version of Shor's algorithm that only works for that number (since the full shor would need many orders of magnitude more qbits than exist on the entire planet).
There's also the problem of logical vs physical qbits: In computer science we like to work with "perfect" qbits that are mathematically ideal, i.e. are completely noise free. However, physical qbits are really fragile and attenuate to pretty much anything and everything, which adds a lot of noise into the system. This problem also gets worse the larger you scale your system.
The latter is a fundamental problem: the entire clue of quantum computers is that you can combine random states to "virtually" build a complex distribution before you sample from it. This can be much faster since the virtual model can look dependencies that are intractable to work with on a classical system, but that dependency monster also means that any noise in the system is going to negatively affect everything else as you scale up to more qbits.
That's why people expect real quantum computers to have many orders of magnitude more qbits than you would theoretically need.
It also means that you cannot trivially scale up a physical quantum algorithm: Physical grovers on a list with 10 entries might look very different than a physical grover with 11 entries.
This makes quantum computing a nonstarter for many problems where you cannot pay the time it takes to engineer a custom solution.
And even worse: you cannot even test whether your fancy new algorithm works in a simulator, since the stuff you are trying to simulate is specifically the intractable quantum noise (something which, ironically, a quantum computer is excellent at simulating).
In general you should be really careful when looking at quantum computing articles, since it's very easy to build some weird distribution that is basically impossible for a normal computer to work with, but that doesn't mean it's something practical e.g. just starting the quantum computer, "boop" one bit, then waiting for 3ns will give you a quantum noise distribution that is intractable to simulate with a computer (same thing is true if you don't do anything with a computer: there's literal research teams of top scientists whose job boils down to "what are quantum computers computing if we don't give them instructions").
Meanwhile, the progress of classical or e.g. hybrid analog computing is much faster than that of quantum computing, which means that the only people really deeply invested into quantum computing are the ones that cannot afford to miss, just in case there is in fact something:
Can someone help me with the home-buying process?
So my lease for my apartment is up toward the end of this year, and now that I can work remote, I’m thinking of moving somewhere less expensive and finally buying a home. Can anyone with experience give me advice on the process or resources I can use? Not only am I a total noob, but I don’t talk to my family and my friends...
Selfhosted OpenMediaVault not reachable from raspberry pi
Hello!...
Why can't I post images?
I’m using Jerboa and I can make posts and reply to comments and everything, but if I try to post an image anywhere I get a weird error “end of input at character 0 of”. What am I doing wrong?
YSK: How to get any youtube playback-speed you want! Using a little JS. (i.imgur.com)
I often set the playback-rate of youtube videos to something like 1.25 or 1.5 to get through a video a little faster without getting bored....
How old are we here?
Just got interested in what the age breakdown is on here....
Bei Reise durch AfD-Hochburg wird mir klar, warum Menschen rechts wählen (www.focus.de) German
0 vs null vs undefined - explained with toilet paper (i.stack.imgur.com)
For those who use Restic for their backups, please share your set-ups
I’ve been using Bash scripts with cronjobs to schedule daily backups, and then sync the backup to BackblazeB2 after the local backup has completed....
Reddit threatens the mods of r/CyberpunkGame (the main subreddit for Cyberpunk 2077). Mods decide to go down in a blaze of glory, whole sub agrees. (old.reddit.com)
Surprising nobody, Reddit Corp threatening a gaming sub of a fanatically anti-corporate video game doesn't go as they'd hoped....
Looking for a plugin/addon/theme/config recommendation for a friend who is migrating from Chrome and prefers the tab UI from there, specifically when there are way too many tabs open. (fedia.io)
Specifically, when you open a reasonable number of tabs in any browser, the tabs look like this. However, as my friend has just imported all of his tabs and bookmarks over from Chrome to Firefox, he has an immense number of tabs open right now; in Chrome, he can see all the tabs at once with its UI. On Firefox, however, it keeps...
Mastodon's Founder & CEO Gives His Thoughts on Meta's Threads (blog.joinmastodon.org)
Found this post super informative as it relates to Mastodon, and thought Lemmy might also benefit from this perspective. I’m not sure I share his optimism, but his points seem sound to dampen some of the alarm bells over Meta joining the Fediverse.
why do mastodon toots have more boosts then favorites?
My understanding is that favorites are equivalent to twitter likes, and boosts are equivalent to twitter retweets, but on twitter people like way more then they retweet, so why is it different on mastodon?
What does the Hot sorting actually mean?
Right now I have my feed sorted by Hot. The sixth post in my feed is 19 days old, has zero comments, and one upvote. I’m struggling to work out what algorithm is deciding this is a Hot post
Does patching Rif allow you to use the app for free again?
As title says, I’ve read several guides across the internet but I still don’t understand if you can use Rif again with 0 costs in money and if you can use all functions of Reddit is fun....
Andrew Tate's biggest fear. (lemmy.world)
Quantum computer built by Google can instantly execute a task that would normally take 47 years (www.earth.com)
A new quantum computer can execute calculations in mere moments that would take the most advanced supercomputers 47 years to process.
This app. (lemmy.world)
Finally tried the official Reddit app. It’s as bad as they say.