Taxes and maintenance wouldn’t be included in the mortgage. A new roof is expensive, so are HVACs, floors, etc. These things will need to be replaced. A rule of thumb is to budget 1% to 4% of the total house value per year. For a 400k house that could be up to $16k extra per year, or $1333 more per month than your mortgage. Those costs for maintenance and taxes don’t go towards paying down your principal so they aren’t directly gaining equity. With the rent and invest option, the investing is the counter to equity. When you sell your house you usually pay a realtor commission. There are a lot of factors to include when seeing if rent & invest is better than mortgage & buy.

That being said, I prefer to buy. I don’t plan on moving anytime soon.

Security Now https://twit.tv/shows/security-now

Every week there will be news topics, sometimes there are deep dives into technical topics.

I’m considering Zulip

https://zulip.readthedocs.io/en/latest/production/install.html

Do note, because it’s using email, the recipient and sender are not private, along with the time, and probably the relative size of the messages.

The specific content of each message should be private as long as the encryption is done well. I haven’t looked at it so I don’t know if it implemnts safeguards to verify who you’re messaging with (besides using the email address) and I don’t know if it uses PFS (Perfect Forward Secrecy) to protect against a key getting compromised.

https://github.com/rsmsctr/vaultwardenGuide

It doesn’t cover backups though. It uses Caddy instead of NGINX, and it uses DuckDNS to point a subdomain to your private IP address of your Vaultwarden server, so it will only be accessible in your LAN.

I’ve been researching zero-trust for my homelab recently and I’m considering OpenZiti instead of Cloudflare since I think it can all be self-hosted. The BrowZer from OpenZiti is especially interesting to me. The fact that I’m behind CGNAT is a hurdle though.