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Joined 2 years ago
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Cake day: August 17th, 2023

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  • Taxes and maintenance wouldn’t be included in the mortgage. A new roof is expensive, so are HVACs, floors, etc. These things will need to be replaced. A rule of thumb is to budget 1% to 4% of the total house value per year. For a 400k house that could be up to $16k extra per year, or $1333 more per month than your mortgage. Those costs for maintenance and taxes don’t go towards paying down your principal so they aren’t directly gaining equity. With the rent and invest option, the investing is the counter to equity. When you sell your house you usually pay a realtor commission. There are a lot of factors to include when seeing if rent & invest is better than mortgage & buy.

    That being said, I prefer to buy. I don’t plan on moving anytime soon.














  • Maybe surprisingly, it is actually a technique to limit interruptions, specifically because you are only working on your current task for 25 minutes. It makes it much easier to not switch tasks in the middle because your next time to switch tasks is less than 25 minutes away. For example, if you’re in a task writing a report and you remember that you were supposed to send an email, you write down the email task to do later and don’t worry about it because if it’s important than you will pick it for your next pomodoro. This allows you to stay focused on the report you’re writing for this pomodoro.



  • It ends up being a lot like FIDO or Passkeys but without having to store a separate key for each site. Each key is derived from your master key and the domain so they are all unique, to prevent tracking, but you still don’t have to save a separate private key blob for each site. There is also a recovery key built into the spec so that if your master key somehow gets out, you can use your recovery key to prove you’re the real person and regain your account to change the signin public key.