Savaran

Sounds like a great reason to re-nationalize the public utility companies.

Word it the other way, “we’re the official country we’ve always been, but if those upstarts on the mainland want to secede then fine, we’ll let them”

Either way it’s just propaganda phrasing.

FHA loans need 3.5% last I checked. So her $12k wasn’t far off for a $500k dollar place. Yes they also require PMI for a bit, but better putting money into something that causes gains for yourself than for a landlord. As this article so clearly proves.

I’m in a similar boat. The only major issue I’ve found people are likely to run into is mass IP blocks from MS/Google. Where do you host it? Cloud provider these days or colo type place?

I finally ended up going to a larger mail service (paid, but free) that just provides an outgoing smtp relay for me. Even on a busy month I send far below the 1k emails they require before they start charging, and their servers IP ranges aren’t blanket blocked by the Google’s of the world.