Just as a reminder to people if you are feeling ill, don’t fucking come into work, please.

Fucking boomers that legitimately love in person. Had one coworker that had covid and was back in office 1 week after saying they had it. I immediately turned around and went home, telling my team I felt ill out of nowhere. So fucking selfish.

In NYC it’s “Bachelor’s Degree in Computer Science or X years of relevant experience" in 99% of jobs I’ve applied to in my short 7 year career as a developer. Disclosure, I have just a BS in Biology.

But equity can be a losing strategy if you’re getting that little in a 30 year. Take the “winning the lottery” example. People always think, lump sum vs lifetime small payments? Always take lump sum. Invest it all in a safe ETF, and live off the interest.

The only reason people “build equity” is to sell that house in the future. I’d much rather minimize my monthly expenses like principle and HOA, and invest that difference. The best part is that you can see that “investment equity” immediately, and sell any if needed.

The market always beats house equity. For example, my parents bought a house in NYC for $340,000 in 2000. Today, it’s appraised for about $800,000. Big win right? NOPE. 340K in 2023 dollars is 600K meaning my parents got $200,000 in house equity over 2 DECADES. And that’s the extreme high side of house growth in the NE USA. I highly doubt others will do better than that, meaning their gains will be less. And the market DOUBLED in that time, meaning they’d have made much more money simply putting that money in an EFT and letting it ride. They can’t even realize that “house equity” until they leave their home, but they still need a place to live, so those wins are sitting until they decide to move later on, which is useless imo as they’d be older.

Again, housing is not always the best way to make money. If you have the extra cash to do it, it’s nice to fix up a home you own like adding a pool that you can enjoy. But for someone who’s trying to make it big early on, investing in 401K, IRAs, and a general investment account are the best things to do when young.

imagine all that money in rent going towards your own equity

IF you have a 15 year loan. If you have a 30 year loan, it takes you 14 YEARS to pay off just the first 25% of your loan balance, and that’s assuming you put 20% down, and not 10% like majority of people today. Then there’s house expenses like HOAs (if you get a townhouse or condo) or roof repairs, lawn care services, etc. Actually, depending on how long you plan on staying at a property, if you list out expenses plus the loan principle you pay each month, you actually might be paying more by getting a 30 year vs renting, depending on where you live.

My favorite way to use Mastodon. The share feature that resolves the fediverse links is so handy (the small option on the right of the popup after sharing to Moshidon). The official app’s only share option is to post the link, which I would not be doing 99% of the time.

There’s no need to go JavaScript route for theming, Stylus is an add-on that injects CSS instead. I wrote a style here, which increases width of Lemmy instances for wide screens, and also respects your browser light or dark theme if set to follow system:
https://userstyles.world/style/10233/zettajon-1440p-and-darkmode-supported-lemmy

And yet: https://www.newsweek.com/republicans-plan-cut-free-school-lunches-1807361

It IS Facebook right now, but for zoomers. Nothing but emoji replies, copy-pasting the same tired meme for the millionth time, and so on. The reddit I joined back in 2012 died a long time ago.

Any towns you recommend in South CA? For example, Temecula. My wife and I follow FI/RE and we want to move to that area from the NE once we quit our jobs. We’d be in our late 30s.

Born in NYC but now in suburbs of northern NJ (but still not far from NYC). Not a fan of how car-centric life is but I’m getting used to it. I do love the access to all the nature around here, and it’s nice to not have cars honking at 1am, so I’d say it’s a good tradeoff haha.