I'm currently renting a home in Budapest and about to reach a point where:  cost of rent + other running costs of it - income from savings > cost of 10 yr loan + running costs of new home  The left side increased because the landlond increased the rent, it's still somewhat below the market price though.  So basically if I were spend my savings into my own home as downpayment  in the suburbs, my net monthly expenses would decrease.  Since I believe my job will always tie me to the capital city, I don't really expect to move away unless there is something really bad happened (like a war or getting kicked out of the EU).  In this situation should I go for it and buy my house or are there any other things I should consider before the purchase?  EDIT: I checked the other question marked as dupe, it doesn't really answer the question I'm asking. That is if the net monthly expenses right would be smaller than expenses of renting, then should I buy now? Also those answers are more than 8 years old now and they are outdated as we are no longer in recession but exactly the opposite. Also the housing prices are skyrocketing in Hungary especially in Budapest and in the suburbs. So there are really lot of money in stake, and I don't want to burn myself. And want to make sure I'm about to do the right decision.
Currently my spouse and I rent a small apartment.  Eventually we'd like to expand the family, and a one bedroom rental won't cut it forever - even if we continue renting we'll be expanding to a detached single family home eventually.  In our area the rent ratios work out to about 16, which is under the cut for buying being a better financial decision over the long haul - i. e. I don't think it'd be economically an awful decision to buy (NYT calculator shows 10 years at the current prices and rents for buying to make sense).  I've also read enough of the rental propagandists to know that home ownership isn't the best way to grow my money.  My reasons for wanting to own are the intangibles: knowing we aren't going to have to move due to a landlord, being able to modify the place to our own liking, and that intangible sense of "this is mine" (even when it's the bank's for a while).  The things we do have:   Around (at or over) a 30% down payment depending on purchase price, and we won't be under 30% Closing costs separate from that fund Around 1% of the home value in reserve for emergency repairs separate from those funds A six month emergency fund separate A fund to replace an ailing car that will probably die before we can save up after this expense   At some point in the year or so after the purchase we plan to have enough saved up to pay down the principal and change our monthly payment somewhat, but not significantly.  So it seems like we've got the financial ducks in a row.  We can continue to fully fund our retirement accounts and make the monthly payments (PITI).  The only hesitation we have is that we can't make our payments comfortably on one income alone - it'd be over 30% of one income to do so, by just a bit.  So neither of us can completely stop working, although the second income does not need to be large.  Are we missing any important financial data about this step?  Should we be concerned about job loss (even though no signs of it are imminent for either of us)?
Proving this relation is transitive Let $r$ be a relation on $A \times A$ such that $(a,b) r (c,d) \iff ad = bc.$ How can I show that this relation is transitive, ie. $(a, b)r(c,d)$ and $(c,d)r(e, f) \implies (a,b)r(e,f)$?  I tried to say that $(a,b) r (c,d)$ means that $c=ka$ and $d=kb,$ $k$ a coefficient, such that $ad = bc \iff akb = bka,$ and going on from there, but I'm not sure this is valid for all values of $a, b, c,$ and $d$. How can I show the transitivity of the relation? Making adult decisions are/is really not fun.     What is the proper answer and why? My gut says "is" but I can't explain why. How do I escape a percentage sign in T-SQL? I have a Category entity which has a Nullable ParentId field. When the method below is executing and the categoryId is null, the result seems null however there are categories which has null ParentId value.  What is the problem in here, what am I missing?  public IEnumerable&lt;ICategory&gt; GetSubCategories(long? categoryId) {     var subCategories = this.Repository.Categories.Where(c =&gt; c.ParentId == categoryId)         .ToList().Cast&lt;ICategory&gt;();      return subCategories; }   By the way, when I change the condition to (c.ParentId == null),  result seems normal. I have problems with my Tilgin Vood Router. As I try to start my router by turning the power on (captain obvious), it generally doesn't work the first 3-4 times. This is getting very annoying.  Five minutes after turning the power on the router's signal LEDs don't blink in the way they should do in a connected state. I can connect to my routers web configuration interface through my PC connected to it via LAN though I can't access the internet.  It usually takes the router five minutes to get to the point where it should be connected to the internet but as it doesn't work the first times.  So I turn on my router 3-5 times, let him work 5 minutes and then suddenly, after turning the power off and on again it all works.  I also have to restart my PC too in order for everything to work.   How can I solve this problem? Just leave the router turned on all time? I prefer a daily IP switch, though. May the problem have something to do with my PC? There is another one connected to the router too and it doesn't work there either. Note: This is intended to become a canonical post.  I got a dedicated graphics card of type XXX and it claims I need at least a YYY Watt PSU.   How big does my PSU really need to be? Ruby: How to iterate over a range, but in set increments? Prevent href="#" link from changing the URL hash I bought a used iPhone 4.  The previous owner re-set the phone, but did not remove the device from their iCloud.  It is asking me for their iCloud information when I try to set-up the phone.  I don't have contact with the previous owner anymore.  Is there a way to remove the device from their iCloud so I can use a new one? I saw this movie a while back. I don't remember how it starts, but from where I remember watching it, it may have not been too far from the start. Apparently, Earth has been conquered by some alien empire or something and humanity are basically cavemen being used as slaves. From what I remember, the main antagonist alien is seen taking one of the slaves to a room where a machine is used on him to make him smart; this is apparently a big no-no so the main antagonist and his sidekick have to keep it quiet. The idea was that by making one of the slaves smart, it could increase the work output of the others. Apparently the antagonist is using the slaves on Earth to gather gold bullion  which is apparently still very valuable to the aliens but he's doing it illegally (not the slave labor; that's apparently ok). The protagonist who had the machine used on him becomes the intermediary between the slaves and the aliens and begins teaching the other slaves. I remember him teaching them mathematics and I remember him saying that it was universally accepted (I think he may have been referring to algebra or trigonometry). At some point he becomes aware that they are slaves and organizes a plan to free not only his fellow slaves but the Earth. Some escape and find an old museum which has old flight simulators, and shows that humanity wasn't always a slave race and that it may have been modern times in which Earth was invaded (i.e. no lasers or starships). I think they also find Fort Knox as there is a huge collection of gold bricks and weapons. The protagonist comes up with a plan to destroy some sort of teleporter the aliens use to transport stuff to and from Earth, however that alone wont be enough as they could fight back, which will be bad for humanity, which is still undeveloped. So the plan also includes using the teleporter before destroying it to to transport and detonate a nuclear warhead on the alien home world which apparently cripples any attempt to immediately send a fleet but also as a show of strength. After executing their plan, the main antagonist is captured by the humans and as an insult is locked in a cage surrounded by the gold he sought. If I recall correctly the place is set to detonate as to destroy the precocious gold and that will be used against the aliens should they mobilize a fleet in the future (i.e. attack us and we destroy Earth's supply of gold). The antagonist's side kick for some reason I remember as a big black man from whom the antagonist had removed his hand at some point and also apparently the antagonist was cruel to him. After the antagonist is locked up, he is trying to appeal to his sidekick's loyalty, however the sidekick takes the humans' side, I'm also getting an image that apart from treating him kindly the sidekick's missing hand was restored. This may be a simple question, but how do I use files starting with "-" with command line programs?   For example,  I am trying to use pdfgrep on a file named -2013-01-01.pdf but it complains that there are no options defined for 2, 0, 1, 3 and so on.  Changing the filename to something that does not start with "-" solves it, but this is not an option since the files aren't created by me. I simply want to check for a specific change I know is coming. Shell command for outputting absolute path of binary Is there a shell command for outputing absolute path for specified program? I'd like to know where executable binary file is. As far as I know, the variance inflation factor is not computed with pseudo-$R^{2}$ or generalized $R^{2}$ in binary outcome models (e.g. logistic regression).  Are there other measures of multi-colinearity than VIF appropriate to such models?  Why ought or ought not we think about multi-colinearity in such models? I want to update Acrobat Reader for Firefox, but the download has the .bin extension. How can I install it? I'd like to find out why  \begin{align} \sum_{n=0}^{\infty} \frac{n^2}{2^n} = 6 \end{align}  I tried to rewrite it into a geometric series  \begin{align} \sum_{n=0}^{\infty} \frac{n^2}{2^n} = \sum_{n=0}^{\infty} \Big(\frac{1}{2}\Big)^nn^2 \end{align}  But I don't know what to do with the $n^2$. How to fully delete a git repository created with init? Finding the ID of a process and killing it When ever I need to kill a background process I do ps -e | grep &lt;process_name&gt;  Which prints something like this 1766 ? 00:00:13 conky , Then I use the process ID to kill it like so kill 1766 .   Is there any way I can simplify this ? Make it quicker ? reduce the amount of typing ? How to Straighten Curved UVs into Straight Belt Showing the actual 3D model of a curving ramp.  Shows the UVs of that model that blender did automatically. Shows the UV image that I need.   I am going put a road texture on it., but round faces are not helping me at all. All I need is straight belt kind of UV. Issue with particles in blender donut tutorial Is there a documentclass that produces 'endless' pages? Does anybody know of a documentclass that produces a page that has a fixed width and a variable length, depending on the actual content that needs to fit on the sheet? I'm trying to get something like a kind of scroll if possible.