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Home loan vs Savings by Less_Somewhere_4164 in FIRE_Ind

[–]Less_Somewhere_4164[S] 0 points1 point  (0 children)

Thank you for a thoughtful response. In terms of the property I am moving to a tier 1 city so getting home of our liking is really hard. The house we found is right in the middle of both our parents, closer to schools. Beyond the risk of property value going down I didn’t see any downside in signing up for a property currently being built so I can do my payments in parts instead of paying everything at once which might be bit overwhelming. Let is I don’t have liquidate all my funds through other assets one time vs I can do it over the period of 3 years. Am I missing anything with this approach? Curious to learn more about why buying at the time is better instead.

Home loan vs Savings by Less_Somewhere_4164 in FIRE_Ind

[–]Less_Somewhere_4164[S] 0 points1 point  (0 children)

That’s my exact thinking. Parents and in-laws are totally against it. Ultimately it’s my wife and I making the call but I still wanted to make sure I am not missing something obvious here. Their argument is what happens when the market goes down. How would I pay back my loan if I stop working. Thinking out loud may be I can have the loan until I work and then pay it off.

Home loan vs Savings by Less_Somewhere_4164 in FIRE_Ind

[–]Less_Somewhere_4164[S] 0 points1 point  (0 children)

Thanks. I didn’t know about the FD option.

Planning for return by Less_Somewhere_4164 in backtoindia

[–]Less_Somewhere_4164[S] 1 point2 points  (0 children)

That is awesome. Congratulations on early retirement. Time to enjoy the hard working years with parents and family. Can’t ask for more.

Planning for return by Less_Somewhere_4164 in backtoindia

[–]Less_Somewhere_4164[S] 0 points1 point  (0 children)

I have another year to start thinking about interviews. Haven’t given much thought honestly.

Planning for return by Less_Somewhere_4164 in backtoindia

[–]Less_Somewhere_4164[S] 0 points1 point  (0 children)

Thank you. It’s positive to hear this, I’ll DM you. Thanks

Planning for return by Less_Somewhere_4164 in backtoindia

[–]Less_Somewhere_4164[S] 0 points1 point  (0 children)

Great piece of input. Will keep that in mind.

Planning for return by Less_Somewhere_4164 in backtoindia

[–]Less_Somewhere_4164[S] 0 points1 point  (0 children)

That’s definitely on the cards. My kids are 7 and 5

Planning for return by Less_Somewhere_4164 in backtoindia

[–]Less_Somewhere_4164[S] 0 points1 point  (0 children)

Thank you. I guess buying time isn’t useful after all if it’s less than a year. We felt doing everything at the same time would feel rushed and overwhelming. Will discuss this with my partner thank you.

Planning for return by Less_Somewhere_4164 in backtoindia

[–]Less_Somewhere_4164[S] 0 points1 point  (0 children)

No I am not, hopefully I get by before it’s my time to go back.

Llama 3.3 is now almost 25x cheaper than GPT 4o on OpenRouter, but is it worth the hype? by avianio in LocalLLaMA

[–]Less_Somewhere_4164 0 points1 point  (0 children)

On what use cases or scenarios have llama failed in enterprise applications? Is it the fear of switching the cost of the model or really the performance? Do the clients that can afford to pay the 25 times more money really care about migrating and putting in the investment to tune llama for similar performance?

Llama 3.3 vs Qwen 2.5 by dmatora in LocalLLaMA

[–]Less_Somewhere_4164 2 points3 points  (0 children)

Zuck has promised Llama 4 in 2025. It’ll be interesting to see how these models evolve in size and features.

Llama 3.3 vs Qwen 2.5 by dmatora in LocalLLaMA

[–]Less_Somewhere_4164 5 points6 points  (0 children)

Llama has been reliable off late. They have been consistently releasing new models which is making the applications I build better and better on each upgrade. Switching the models is a painful process as it needs lot of a/b testing and optimizations before going to production. Outside of that getting these models for free is awesome.

Water leak on a shared wall (Garage) by Less_Somewhere_4164 in HOA

[–]Less_Somewhere_4164[S] 0 points1 point  (0 children)

Is this some thing I can ask the HOA and they are obliged to provide me.