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Joined 3 years ago
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Cake day: June 10th, 2023

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  • Not a full hosting solution, but I use PerfectViewer on Android and it’s wonderful. Connects right into my server and displays all of my books and Manga on a shelf layout. It only syncs to my server locally because I don’t have a VPN to my home configured, but it does allow downloading which is handy when I’m traveling. I’m not sure if it has every feature you’re looking for but it might be worth checking out.


















  • In what reality is PMI close to a rent payment? It doesn’t seem like you know what you’re talking about.

    I think you’re dramatically overestimating how much it will add to a mortgage to use this strategy. For example, let’s look at a $250,000 home - the average for my area.

    If you put 20% down, your payment will be $1242/mo plus Property Taxes. Certainly cheaper than rent, but most folks don’t have $50,000 sitting around.

    So let’s say you put $0 down and roll $9000 closing costs into your mortgage. Your monthly payment will be $1,843 of which only $214 is PMI. Still cheaper than the average rent in my area.

    Even if you’re buying a $1mil home with this strategy, the PMI would only be $850/mo. Where are you getting that PMI would be close to a mortgage payment?? You seem to be regurgitating bad faith advice that keeps people scared of homeownership when the reality is that it’s an excellent move for many folks.


  • In the US, if you’re a first time homebuyer you can buy a home with zero cash in hand. You can roll closing costs into the mortgage and have no down-payment. You’ll pay more out of pocket for a few years but in many areas it’s still cheaper than rent - and rent just keeps going up while a mortgage stays the same. Many states also have free programs where you can take a class and they’ll give you a grant towards buying a home.

    Credit unions tend to have the best rates. Get into a credit union even if it’s just a secondary account that you toss $5 into each paycheck.

    Also, there are programs through Fannie Mae and Freddie Mac for first time homebuyers that prioritizes them over investors. This is the easiest way to get into homeownership but the houses are usually fixer uppers.