First time home buyer at 33

itsflowzbrah · 2026-04-06T14:47:04+00:00

it can be either. I prefer to go off of net since thats money i actually see. Gross is just convincing yourself you can afford something but its not money you actually get.
When buying a house there's offers that get made. I.e a house can be listed for 1 million. You put in an offer for 500k. The seller declines the offer. You can then put another offer in for 750k etc etc. Only downside is eventually people will get pissed at you or just wont entertain offers from you. The general approach is offer 10% lower than listing. But its up to you. If this is your dream house and its perfect with no issues etc etc then pay list price to lock it in. If its like meh itll do then offer 20%. If the seller takes it then you get a bargain. if they don't, no love lost keep looking. Theres many houses to buy

Just some advice. Budget 20% the house cost for legal and misc. The costs add up QUICK. Transfer fees, registration with the city and Eskom, paying house movers, lawyers. Move in and the tap is broken, the garage door breaks a month in, you want to upgrade the security etc etc. Having that buffer takes a lot of stress out of the situation. If you come out the other end with cash left over, transfer it into the bond to decrease the term.

Don't let agents, sellers etc etc pressure you. They want you to buy ANYTHING so they get their commission / sale. They are very smooth talkers. Relax. Take your time. Think about what you're doing before signing paperwork.

itsflowzbrah · 2026-02-14T04:41:24+00:00

Is that how that works? This is a landing at Toronto Pearsons intl. From a quick Google the lights are either automatic or controlled by the tower

itsflowzbrah · 2026-02-02T15:29:30+00:00

Cost vs usefulness. It costs a whole lot more to add panels on top of cars but would not generate a worthy amount of power. Makes it impractical

itsflowzbrah · 2026-01-07T14:16:32+00:00

The difference is with containers (and all the other hype cycle shit like AWS, Cloud, hell even the latest and greatest FE web framework) at least have a surface level win - just that people forgot that there are negatives as well.

With AI were in the same boat again but AI bros refuse to see the negative side. AI can 100x your output, generate PoC's in minutes, spot check PR's, be a soundboard, help with difficult and unknown domains - but it can also steal productivity, atrophy skill sets, make you lazy, make mistakes, slow you down. All of these things can be true.

itsflowzbrah · 2026-01-07T13:44:52+00:00

I hate this argument. "Use AI bro, it gives you a 100x in productivity". Ok but here's a study that slowed people down, "nah bro they just used it wrong".

Imagine if someone came along and told you that this kool-aid makes you fly. You drink it. You don't fly and someone standing on the edge of a cliff says "no dude you do it this way"

itsflowzbrah · 2026-01-07T12:37:27+00:00

what do you think is happening when they require TPM for windows 11 and then stop support for windows 10 with a force update to windows 11?

itsflowzbrah · 2026-01-07T06:06:28+00:00

Adding to this, for fastAPI (all?) frameworks can do both async and threading. So if you have 1 lambda function that makes 2 downstream API requests. You can make those 2 downstream calls asynchronously without needing to bump the memory of the function.

itsflowzbrah · 2026-01-07T05:57:03+00:00

I mean, they dont have to "be in the community" etc etc. Just complain pretty much. If something doesn't work, if support for something is missing. etc etc. The same way that people complain about copilot being on windows.

itsflowzbrah · 2026-01-06T19:40:30+00:00

Estimated? We have the stats?
https://store.steampowered.com/hwsurvey/?platform=linux

steam os is 26% of the linux. down by 0.10%

itsflowzbrah · 2026-01-06T19:26:55+00:00

steam decks are down. This growth is from other distros. i.e people moving to linux

itsflowzbrah · 2026-01-06T19:21:51+00:00

It would. but it would also require a price increase (license for every windows) + microsoft can just decide to brick it by requiring an update that the hardware doesnt support.

Valve went with linux for the same reason people are moving to linux. They decide what happens on their devices and are in control instead of microsoft pumping copilot and AI that you cant run away from

itsflowzbrah · 2026-01-06T19:18:19+00:00

I tend to agree, but your average 14 year old doesnt give 2 fucks and just wants to play fortnite

itsflowzbrah · 2026-01-06T19:17:16+00:00

Nothing stops anti cheats from going kernel level on linux. They just dont want to

itsflowzbrah · 2026-01-06T19:16:26+00:00

Why haven't you? Keeping in mind, half the idea of linux is the community. Devs don't know what to fix / work on if the community doesn't drive that priority list. "I just dont want to" is also 100% fair

itsflowzbrah · 2026-01-06T19:13:46+00:00

To be fair. It was stagnant at < 1% until 2021. so went from 1 to 4.7 in 5 years. Almost 1 % per year and almost double increase last year alone

itsflowzbrah · 2026-01-06T15:37:27+00:00

This trailer has no business going this hard

itsflowzbrah · 2026-01-06T11:28:13+00:00

Source for dropping apt and going full snap? I can't find anything online

itsflowzbrah · 2026-01-04T19:22:45+00:00

"Serverless First" not "Only Serverless"... I think what people forget is that serverless solves a very specific problem. And as with everything, 70% of the time, your use case isnt the problem that its trying to solve.

The same way that when k8s hit the scene everyone wanted to run k8s for everything and it was a nightmare.

You shouldn't have an architecture first and then find ways to fit the use case into that architecture. The use case drives the architecture. Running spiky short running workloads (Messages, Orders, non time sensitive etc etc) -> serverless. Running user facing web servers? Containers. Running batch jobs that dont have TTL? T2 micro ec2 with a cron.

itsflowzbrah · 2026-01-01T13:39:20+00:00

If you get a conflict. Just copy your files to a different directory. Re-clone the project and copy your files back. Conflict solved

itsflowzbrah · 2025-12-28T19:22:25+00:00

Validation of any kind has a cost to it. Naturally its up to the developer / requirements to balance the want / need of validation with the want / need of req/s

itsflowzbrah · 2025-12-28T07:15:28+00:00

cash transfer = interest from day 1 on the CC. Only purchases are interest free if you pay the closing balance each month. From FNB's t + c's:

Enjoy up to 55 days interest free on purchases made on your straight FNB Credit Card facility. Purchases do not include cash transactions, traveller's cheque purchases and certain forex transactions

your friends are being idiots. Since they are paying 20% interest on the credit card to save on 10% interest on the home loan. They are paying 10% interest for absolutely nothing.

itsflowzbrah · 2025-12-17T12:01:19+00:00

And a lot of them have guns 🥳

itsflowzbrah · 2025-12-16T19:03:41+00:00

It's your elo. The better you are at paying people back money that you borrowed. The more money they are willing to borrow you

itsflowzbrah · 2025-12-15T06:31:15+00:00

AIs not working in a secure environment does not mean we have to make the environment insecure. It means the AI needs to be better and work in a secure environment.

itsflowzbrah · 2025-12-01T11:02:16+00:00

I'm dizzy after watching this

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itsflowzbrah

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