I play the Daily Challenge everyday on MobilityWare’s solitaire game. I’ve played 3,607 daily challenges to date.

Dónde está Santa Claus by Augie Rio

I hate Christmas music from years working in retail but this one really jams!

No thanks! I’ll take housing that only costs me property taxes. Tomorrow isn’t guaranteed so I’d take that certainty today.

I totally agree and understand the use case. That plays into that more in depth type of self hosting most here do. All I have is storage via Synology, and Pi-hole, smart home controls and a media server in separate containers.

My use case is strictly QoL improvements that my wife would either just live without or switch to a more conventional, easy to use setup for her.

$208,063.88

This would pay off our mortgage and we could dump that monthly payment into saving for retirement.

However, if the question was how much do we need then it would be $0. We are far more fortunate than many.

If there was a line of all the people in this comment section waiting to get whatever amount they need I’d be one of those continuously moving to the back to let others go first.

I hope you all find improved quality of life, even if it’s not through some financial windfall!

I don’t self host to the extent many here seem too but I have had the same thought and joked with my wife about it.

Ultimately everything I’ve setup I’ve done in part because it’s my hobby and it interests me. When I’m gone my family will revert to whatever they’d normally be doing without me, because they don’t have interest in it like I do.

For sure! The only reason I upgraded is because the OptiPlex costs a lot to run in terms of electricity.

For stuff I pretty much run 24/7 I really wanted better power efficiency.

I’m on board with this. I did something similar putting a Synology 920+ and an Asus NUC style machine running Ubuntu in place of my old OptiPlex and WD MyCloud setup.

I’m now the primary content provider for a bunch of my family!

I’ve been struggling with gout in my knee and ankle off and on. When it gets bad I’m almost immobile and I broke down and finally bought a cane to help me hobble around when it’s at its worst.

Mine also came from Ukraine and like you I wanted something with personality. I got an oak, ball top style stained cherry and I love it!

The hexbear and lemmygrad users/posts I run across in All mostly remind me of those street corner preachers. I don’t care one way or another about their ideologies but it’s tiring that they always feel the need to shout it in your face.

I don’t hate them but find them to be obnoxious and mostly cult-like.

Maybe they’re just bad at math and don’t understand how averages work.

Think of how stupid the average person is, and realize half of them are stupider than that.

-George Carlin

No, I’ll have to take a trip to the store for a can of expensive goose grease.

I can get you exotic meats. Hippo steaks, giraffe burgers…

It’ll all be goat.

This is what it is for me. I’m blind in one eye and wear glasses because I’m near sighted with astigmatism in the other.

It’s really hard for me to tell the difference and most of my library is 1080 or 720 because it mostly looks the same to me. I don’t want to give up the extra storage Ford 4k files.

Stopping was the easy part, I drank myself into liver/kidney failure. I’ve stayed sober one day at a time.

Getting counseling, a psychological evaluation and a prescription for my anxiety helped me learn about the root cause of my drinking and how to manage it in a healthy way.

Sorry, I wasn’t clear. Those aren’t APRs, they are the fixed loan rates. Whatever amount is borrowed is repaid plus 4.125% or 4.375% interest depending on the term selected.

It’s like a reverse bond. The government has established that those rates are a fair return on money they “borrow” from citizens in bonds, it seems fair to give the same terms in the other direction.

I’d be in favor of that too. My point was to highlight that it’s not the loans themselves that are the problem.

Why make it illegal? Why not offer only federal loans?

How about:

20 year loan, 4.125% fixed rate 30 year loan, 4.375% fixed rate

No early repayment penalties and maybe interest returned incentives for full repayment return before term at certain benchmarks.

The average debt for a 4-year Bachelor’s degree is $34,700. At the end of 20 years the total repayment amount would be $36,131.375, 30 years would be $36,218.125.

Looks good to me.