[-] 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 1 day ago

Similar situation for me! I bought a Mazda6 and learned to drive it on the 30 min drive home. Had a buddy follow me to keep cars off my ass. It's definitely a skill I'm glad I learned, and I'm sad to see manual transmissions die off as EVs come into popularity. And honestly my daily driver is an EV now. But I still miss the precise level of control that comes with a manual, especially in Winter.

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

Spot on for me in the Midwest. My range and AC are electric, heating is a boiler. So it's super cheap in Winter and rough in Summer.

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

I have extremely high anxiety and can attest that it took a lot of time and effort to master a stick shift. It's definitely valid that your wife doesn't want to go through that struggle.

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

I've yet to find anything in this world that is more zen or fun than driving a Miata on a winding country road with my dog in the passenger seat.

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

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

122

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 15 points 2 days ago

Sold my Miata for this reason and I regret it every day.

25

A small apothecary opened in my neighborhood that makes beauty products. They've been very accommodating with selling me shampoo and body wash in my own reused containers. It's all locally sourced ingredients. I'm new in my Zero Waste journey but it feels great to eliminate plastic from part of my daily routine.

16
What is Graysexual? (lemmy.blahaj.zone)

I've recently met a man whose dating profile said that he's Graysexual. I tried Googling the term, but it's a bit confusing and I'm hoping to get a straightforward breakdown from the kind folks in this community.

From what I gather, it's a branch of asexuality that sometimes feels sexual attraction. That's a bit ambiguous, though.

I will ask the person directly once we've spoken more, but it will help to have a foundation of understanding beforehand. Thanks ahead of time!

192
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.

25

My best friend broke both of his arms and wrists, and will have zero use for 3-4 months. I'm trying to figure out some way for him to play videogames while recovering. Maybe some kind of foot controller? A mouth controller?

He's feeling miserable from the pain and I know that gaming would take his mind off of it.

Please let me know if you have any ideas.

71
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

1
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.

19
submitted 3 months ago by Kit@lemmy.blahaj.zone to c/manga@lemmy.ml

I'm new to manga and have read the above. I get hooked on the cat and mouse of "How will our protagonist overcome it this time?". Any manga recommendations like this?

Of the above, Berserk was my favorite. Beefy men are a plus.

Thanks ahead of time!

13
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.

78
submitted 5 months ago by Kit@lemmy.blahaj.zone to c/privacy@lemmy.ml

I'm taking a long biking trip soon and want to share my live location with my boyfriend in case something happens. Any recommendations for privacy-focused apps that can accomplish this? I'm on Android, he's on iOS.

16
submitted 5 months ago by Kit@lemmy.blahaj.zone to c/cats@sh.itjust.works

I have a 5 year old cat that I adopted 3 years ago, and I'd like to get him a companion but I'm struggling to identify the characteristics I should look for. Can anyone offer advice?

He's a rugged old soul. He loves playing with my 2 year old dog but otherwise just lounges around nearby but not touching - typical Russian Blue. He does try to clean and cuddle the dog, but the pup doesn't understand and runs away. He was actively cuddling with other cats at the shelter when I adopted him so I think he'll do well with a housemate.

I've met a few shelter cats this week but I'm stressing about identifying which would be a good fit. Are male and female both a good bet? Would it be best to get a kitten, an older cat, or somewhere in between? Playful or extremely lazy, or a lap cat?

I know I'll be happy with any choice, so I'm mostly focused on finding a good match for my Russian Blue. Thanks.

1
submitted 7 months ago* (last edited 4 months ago) by Kit@lemmy.blahaj.zone to c/ftm@lemmy.blahaj.zone

I'm a transman who has been on T since 2011. I've recently begun experiencing bleeding despite good T levels. My doctor suggested hysterectomy, but that is not in line with my transition goals. Have any of you gotten an endometrial ablation instead? I've read studies out of medical colleges reporting good results for transmen. It seems like an easy outpatient procedure on paper.

Edit: Spoke with my doctor and she doubled my T. If bleeding doesn't stop within 3 months she's recommending me for the surgery.

Edit 3 months later: Increasing T gel worked

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Kit

joined 1 year ago