Spyke

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Housing market affordability is so bad that Zillow says it will take you 13.5 years to break even on a purchase from July onward

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I dont want to own because of equity, there is a lot of other reasons why owning is important for me. For example there is a lot of things I would like to do in my apt that I cannot as a renter: passing cables in the walls, moving a wall, adding some electric plugs etc. I also have less stability, even if I have some protections tbe owner could always decide to do some big renovations and kick me out.

Renting is okay, but there is big drawbacks and I should be able to own if I want to.

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What's something you did or acquired that made your life way easier?

A lot of things could go there i guess haha, here's some things I'm thinking of at this moment:

  1. a dishwasher. I will never go back this is the best invention humans created since the wheel
  2. AC. Same as above it changed my life
  3. keybar. This is a nice tool to manage keys and some other tools in a swiss-army like format.
  4. a good usb-c docking station. I need to jungle between multiple laptops for work, this really helped doing that.
  5. Going full public transit, bike and carsharing (communauto). Less traffic, and between these options it's rarely more difficult than a car. And muchhhh cheaper, with gas, maintenance, taxes and depreciation it's a bit crazy how much you put towards a car. It really helps to live comfortably with my budget.
canada

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Freeland to Scrap Canada’s Capital Gains Hike If She’s Elected

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They only get taxed on the gain you made on that money. It's a tax on the additional revenue an investment provides.

Capital gain tax is already a measure for the rich, since it is only taxes on 50% of the gain. People that can have significant revenues from investments (eg people with money), will be taxed at much lower rate than if they would make that same money through a job.

Let's give you an example:

You have a salary of 100 000$ and have 1 000 000$ in investments. Your marginal tax bracket is 40% (for this exercise let's also consider there is no additional tax bracket). After tax, your salary is 60 000$. With your investment, you make 10% annually, so that is an additional 100 000$! If it were taxed as revenue it would cost you 40 000$ in taxes, but since capital gain is only taxed at 50%, you only pay 20 000$ in taxes. That leaves you with an additional 80 000$! So even if you're making the same revenue from your salary than from your investments, you have more money left in your pocket from the money made from an investment than from your salary.

That's why it's considered a measure for the rich, you need to be able to have a significant investment to be able to be taxed at a lower rate than you should.

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What open-source software would you like more people to know about?

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I just tried because you made me doubt, but you can access your passwords offline with bitwarden. Your argument about trusting a third party is far more pertinent, i'm choosing to trust them but thats really my choice. It is also a limited trust: even in a case of a data breach, bitwarden is encrypted end-to-end with your password, even if someone gets access to your data they wont be able to read it without your master key.

linux

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Hyprland is a toxic community

Well that's pretty bad. I just switched to hyprland and like it, but I don't want to give those people a bigger platform than what they already have... Ah shit I'll have to think about that. Why can't we have nice things that aren't made by complete assholes.

vpn

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Best vpn to replace mullvad ?

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I think he's saying that all VPNs that do port forward will interest governments/police and the ones that are still operating are probably only operating because they got a deal to not be prosecuted in exchange of letting those entities see the traffic. Mullvad being Mullvad, they will never do that so instead of having all those legals threats, they just shut down the port-forward service. Tbh I'm surprised it ran as long as it did.