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Techletters
2 years ago
Using Synthesia, DALL-E 2, and Chat GPT-3, create AI news videos
Combining AIs creates realistic AI News Videos.
Powerful AI tools like Chat GPT-3 are trending. Have you combined AIs?
The 1-minute fake news video below is startlingly realistic. Artificial Intelligence developed NASA's Mars exploration breakthrough video (AI). However, integrating the aforementioned AIs generated it.
AI-generated text for the Chat GPT-3 based on a succinct tagline
DALL-E-2 AI generates an image from a brief slogan.
Artificial intelligence-generated avatar and speech
This article shows how to use and mix the three AIs to make a realistic news video. First, watch the video (1 minute).
Talk GPT-3
Chat GPT-3 is an OpenAI NLP model. It can auto-complete text and produce conversational responses.
Try it at the playground. The AI will write a comprehensive text from a brief tagline. Let's see what the AI generates with "Breakthrough in Mars Project" as the headline.
Amazing. Our tagline matches our complete and realistic text. Fake news can start here.
DALL-E-2
OpenAI's huge transformer-based language model DALL-E-2. Its GPT-3 basis is geared for image generation. It can generate high-quality photos from a brief phrase and create artwork and images of non-existent objects.
DALL-E-2 can create a news video background. We'll use "Breakthrough in Mars project" again. Our AI creates four striking visuals. Last.
Synthesia
Synthesia lets you quickly produce videos with AI avatars and synthetic vocals.
Avatars are first. Rosie it is.
Upload and select DALL-backdrop. E-2's
Copy the Chat GPT-3 content and choose a synthetic voice.
Voice: English (US) Professional.
Finally, we generate and watch or download our video.
Synthesia AI completes the AI video.
Overview & Resources
We used three AIs to make surprisingly realistic NASA Mars breakthrough fake news in this post. Synthesia generates an avatar and a synthetic voice, therefore it may be four AIs.
These AIs created our fake news.
AI-generated text for the Chat GPT-3 based on a succinct tagline
DALL-E-2 AI generates an image from a brief slogan.
Artificial intelligence-generated avatar and speech

Liz Martin
3 years ago
A Search Engine From Apple?
Apple's search engine has long been rumored. Recent Google developments may confirm the rumor. Is Apple about to become Google's biggest rival?
Here's a video:
People noted Apple's changes in 2020. AppleBot, a web crawler that downloads and caches Internet content, was more active than in the last five years.
Apple hired search engine developers, including ex-Googlers, such as John Giannandrea, Google's former search chief.
Apple also changed the way iPhones search. With iOS 14, Apple's search results arrived before Google's.
These facts fueled rumors that Apple was developing a search engine.
Apple and Google Have a Contract
Many skeptics said Apple couldn't compete with Google. This didn't affect the company's competitiveness.
Apple is the only business with the resources and scale to be a Google rival, with 1.8 billion active devices and a $2 trillion market cap.
Still, people doubted that due to a license deal. Google pays Apple $8 to $12 billion annually to be the default iPhone and iPad search engine.
Apple can't build an independent search product under this arrangement.
Why would Apple enter search if it's being paid to stay out?
Ironically, this partnership has many people believing Apple is getting into search.
A New Default Search Engine May Be Needed
Google was sued for antitrust in 2020. It is accused of anticompetitive and exclusionary behavior. Justice wants to end Google's monopoly.
Authorities could restrict Apple and Google's licensing deal due to its likely effect on market competitiveness. Hence Apple needs a new default search engine.
Apple Already Has a Search Engine
The company already has a search engine, Spotlight.
Since 2004, Spotlight has aired. It was developed to help users find photos, documents, apps, music, and system preferences.
Apple's search engine could do more than organize files, texts, and apps.
Spotlight Search was updated in 2014 with iOS 8. Web, App Store, and iTunes searches became available. You could find nearby places, movie showtimes, and news.
This search engine has subsequently been updated and improved. Spotlight added rich search results last year.
If you search for a TV show, movie, or song, photos and carousels will appear at the top of the page.
This resembles Google's rich search results.
When Will the Apple Search Engine Be Available?
When will Apple's search launch? Robert Scoble says it's near.
Scoble tweeted a number of hints before this year's Worldwide Developer Conference.
Scoble bases his prediction on insider information and deductive reasoning. January 2023 is expected.
Will you use Apple's search engine?

Dmitrii Eliuseev
2 years ago
Creating Images on Your Local PC Using Stable Diffusion AI
Deep learning-based generative art is being researched. As usual, self-learning is better. Some models, like OpenAI's DALL-E 2, require registration and can only be used online, but others can be used locally, which is usually more enjoyable for curious users. I'll demonstrate the Stable Diffusion model's operation on a standard PC.
Let’s get started.
What It Does
Stable Diffusion uses numerous components:
A generative model trained to produce images is called a diffusion model. The model is incrementally improving the starting data, which is only random noise. The model has an image, and while it is being trained, the reversed process is being used to add noise to the image. Being able to reverse this procedure and create images from noise is where the true magic is (more details and samples can be found in the paper).
An internal compressed representation of a latent diffusion model, which may be altered to produce the desired images, is used (more details can be found in the paper). The capacity to fine-tune the generation process is essential because producing pictures at random is not very attractive (as we can see, for instance, in Generative Adversarial Networks).
A neural network model called CLIP (Contrastive Language-Image Pre-training) is used to translate natural language prompts into vector representations. This model, which was trained on 400,000,000 image-text pairs, enables the transformation of a text prompt into a latent space for the diffusion model in the scenario of stable diffusion (more details in that paper).
This figure shows all data flow:
The weights file size for Stable Diffusion model v1 is 4 GB and v2 is 5 GB, making the model quite huge. The v1 model was trained on 256x256 and 512x512 LAION-5B pictures on a 4,000 GPU cluster using over 150.000 NVIDIA A100 GPU hours. The open-source pre-trained model is helpful for us. And we will.
Install
Before utilizing the Python sources for Stable Diffusion v1 on GitHub, we must install Miniconda (assuming Git and Python are already installed):
wget https://repo.anaconda.com/miniconda/Miniconda3-py39_4.12.0-Linux-x86_64.sh
chmod +x Miniconda3-py39_4.12.0-Linux-x86_64.sh
./Miniconda3-py39_4.12.0-Linux-x86_64.sh
conda update -n base -c defaults condaInstall the source and prepare the environment:
git clone https://github.com/CompVis/stable-diffusion
cd stable-diffusion
conda env create -f environment.yaml
conda activate ldm
pip3 install transformers --upgradeDownload the pre-trained model weights next. HiggingFace has the newest checkpoint sd-v14.ckpt (a download is free but registration is required). Put the file in the project folder and have fun:
python3 scripts/txt2img.py --prompt "hello world" --plms --ckpt sd-v1-4.ckpt --skip_grid --n_samples 1Almost. The installation is complete for happy users of current GPUs with 12 GB or more VRAM. RuntimeError: CUDA out of memory will occur otherwise. Two solutions exist.
Running the optimized version
Try optimizing first. After cloning the repository and enabling the environment (as previously), we can run the command:
python3 optimizedSD/optimized_txt2img.py --prompt "hello world" --ckpt sd-v1-4.ckpt --skip_grid --n_samples 1Stable Diffusion worked on my visual card with 8 GB RAM (alas, I did not behave well enough to get NVIDIA A100 for Christmas, so 8 GB GPU is the maximum I have;).
Running Stable Diffusion without GPU
If the GPU does not have enough RAM or is not CUDA-compatible, running the code on a CPU will be 20x slower but better than nothing. This unauthorized CPU-only branch from GitHub is easiest to obtain. We may easily edit the source code to use the latest version. It's strange that a pull request for that was made six months ago and still hasn't been approved, as the changes are simple. Readers can finish in 5 minutes:
Replace if attr.device!= torch.device(cuda) with if attr.device!= torch.device(cuda) and torch.cuda.is available at line 20 of ldm/models/diffusion/ddim.py ().
Replace if attr.device!= torch.device(cuda) with if attr.device!= torch.device(cuda) and torch.cuda.is available in line 20 of ldm/models/diffusion/plms.py ().
Replace device=cuda in lines 38, 55, 83, and 142 of ldm/modules/encoders/modules.py with device=cuda if torch.cuda.is available(), otherwise cpu.
Replace model.cuda() in scripts/txt2img.py line 28 and scripts/img2img.py line 43 with if torch.cuda.is available(): model.cuda ().
Run the script again.
Testing
Test the model. Text-to-image is the first choice. Test the command line example again:
python3 scripts/txt2img.py --prompt "hello world" --plms --ckpt sd-v1-4.ckpt --skip_grid --n_samples 1The slow generation takes 10 seconds on a GPU and 10 minutes on a CPU. Final image:
Hello world is dull and abstract. Try a brush-wielding hamster. Why? Because we can, and it's not as insane as Napoleon's cat. Another image:
Generating an image from a text prompt and another image is interesting. I made this picture in two minutes using the image editor (sorry, drawing wasn't my strong suit):
I can create an image from this drawing:
python3 scripts/img2img.py --prompt "A bird is sitting on a tree branch" --ckpt sd-v1-4.ckpt --init-img bird.png --strength 0.8It was far better than my initial drawing:
I hope readers understand and experiment.
Stable Diffusion UI
Developers love the command line, but regular users may struggle. Stable Diffusion UI projects simplify image generation and installation. Simple usage:
Unpack the ZIP after downloading it from https://github.com/cmdr2/stable-diffusion-ui/releases. Linux and Windows are compatible with Stable Diffusion UI (sorry for Mac users, but those machines are not well-suitable for heavy machine learning tasks anyway;).
Start the script.
Done. The web browser UI makes configuring various Stable Diffusion features (upscaling, filtering, etc.) easy:
V2.1 of Stable Diffusion
I noticed the notification about releasing version 2.1 while writing this essay, and it was intriguing to test it. First, compare version 2 to version 1:
alternative text encoding. The Contrastive LanguageImage Pre-training (CLIP) deep learning model, which was trained on a significant number of text-image pairs, is used in Stable Diffusion 1. The open-source CLIP implementation used in Stable Diffusion 2 is called OpenCLIP. It is difficult to determine whether there have been any technical advancements or if legal concerns were the main focus. However, because the training datasets for the two text encoders were different, the output results from V1 and V2 will differ for the identical text prompts.
a new depth model that may be used to the output of image-to-image generation.
a revolutionary upscaling technique that can quadruple the resolution of an image.
Generally higher resolution Stable Diffusion 2 has the ability to produce both 512x512 and 768x768 pictures.
The Hugging Face website offers a free online demo of Stable Diffusion 2.1 for code testing. The process is the same as for version 1.4. Download a fresh version and activate the environment:
conda deactivate
conda env remove -n ldm # Use this if version 1 was previously installed
git clone https://github.com/Stability-AI/stablediffusion
cd stablediffusion
conda env create -f environment.yaml
conda activate ldmHugging Face offers a new weights ckpt file.
The Out of memory error prevented me from running this version on my 8 GB GPU. Version 2.1 fails on CPUs with the slow conv2d cpu not implemented for Half error (according to this GitHub issue, the CPU support for this algorithm and data type will not be added). The model can be modified from half to full precision (float16 instead of float32), however it doesn't make sense since v1 runs up to 10 minutes on the CPU and v2.1 should be much slower. The online demo results are visible. The same hamster painting with a brush prompt yielded this result:
It looks different from v1, but it functions and has a higher resolution.
The superresolution.py script can run the 4x Stable Diffusion upscaler locally (the x4-upscaler-ema.ckpt weights file should be in the same folder):
python3 scripts/gradio/superresolution.py configs/stable-diffusion/x4-upscaling.yaml x4-upscaler-ema.ckptThis code allows the web browser UI to select the image to upscale:
The copy-paste strategy may explain why the upscaler needs a text prompt (and the Hugging Face code snippet does not have any text input as well). I got a GPU out of memory error again, although CUDA can be disabled like v1. However, processing an image for more than two hours is unlikely:
Stable Diffusion Limitations
When we use the model, it's fun to see what it can and can't do. Generative models produce abstract visuals but not photorealistic ones. This fundamentally limits The generative neural network was trained on text and image pairs, but humans have a lot of background knowledge about the world. The neural network model knows nothing. If someone asks me to draw a Chinese text, I can draw something that looks like Chinese but is actually gibberish because I never learnt it. Generative AI does too! Humans can learn new languages, but the Stable Diffusion AI model includes only language and image decoder brain components. For instance, the Stable Diffusion model will pull NO WAR banner-bearers like this:
V1:
V2.1:
The shot shows text, although the model never learned to read or write. The model's string tokenizer automatically converts letters to lowercase before generating the image, so typing NO WAR banner or no war banner is the same.
I can also ask the model to draw a gorgeous woman:
V1:
V2.1:
The first image is gorgeous but physically incorrect. A second one is better, although it has an Uncanny valley feel. BTW, v2 has a lifehack to add a negative prompt and define what we don't want on the image. Readers might try adding horrible anatomy to the gorgeous woman request.
If we ask for a cartoon attractive woman, the results are nice, but accuracy doesn't matter:
V1:
V2.1:
Another example: I ordered a model to sketch a mouse, which looks beautiful but has too many legs, ears, and fingers:
V1:
V2.1: improved but not perfect.
V1 produces a fun cartoon flying mouse if I want something more abstract:
I tried multiple times with V2.1 but only received this:
The image is OK, but the first version is closer to the request.
Stable Diffusion struggles to draw letters, fingers, etc. However, abstract images yield interesting outcomes. A rural landscape with a modern metropolis in the background turned out well:
V1:
V2.1:
Generative models help make paintings too (at least, abstract ones). I searched Google Image Search for modern art painting to see works by real artists, and this was the first image:
I typed "abstract oil painting of people dancing" and got this:
V1:
V2.1:
It's a different style, but I don't think the AI-generated graphics are worse than the human-drawn ones.
The AI model cannot think like humans. It thinks nothing. A stable diffusion model is a billion-parameter matrix trained on millions of text-image pairs. I input "robot is creating a picture with a pen" to create an image for this post. Humans understand requests immediately. I tried Stable Diffusion multiple times and got this:
This great artwork has a pen, robot, and sketch, however it was not asked. Maybe it was because the tokenizer deleted is and a words from a statement, but I tried other requests such robot painting picture with pen without success. It's harder to prompt a model than a person.
I hope Stable Diffusion's general effects are evident. Despite its limitations, it can produce beautiful photographs in some settings. Readers who want to use Stable Diffusion results should be warned. Source code examination demonstrates that Stable Diffusion images feature a concealed watermark (text StableDiffusionV1 and SDV2) encoded using the invisible-watermark Python package. It's not a secret, because the official Stable Diffusion repository's test watermark.py file contains a decoding snippet. The put watermark line in the txt2img.py source code can be removed if desired. I didn't discover this watermark on photographs made by the online Hugging Face demo. Maybe I did something incorrectly (but maybe they are just not using the txt2img script on their backend at all).
Conclusion
The Stable Diffusion model was fascinating. As I mentioned before, trying something yourself is always better than taking someone else's word, so I encourage readers to do the same (including this article as well;).
Is Generative AI a game-changer? My humble experience tells me:
I think that place has a lot of potential. For designers and artists, generative AI can be a truly useful and innovative tool. Unfortunately, it can also pose a threat to some of them since if users can enter a text field to obtain a picture or a website logo in a matter of clicks, why would they pay more to a different party? Is it possible right now? unquestionably not yet. Images still have a very poor quality and are erroneous in minute details. And after viewing the image of the stunning woman above, models and fashion photographers may also unwind because it is highly unlikely that AI will replace them in the upcoming years.
Today, generative AI is still in its infancy. Even 768x768 images are considered to be of a high resolution when using neural networks, which are computationally highly expensive. There isn't an AI model that can generate high-resolution photographs natively without upscaling or other methods, at least not as of the time this article was written, but it will happen eventually.
It is still a challenge to accurately represent knowledge in neural networks (information like how many legs a cat has or the year Napoleon was born). Consequently, AI models struggle to create photorealistic photos, at least where little details are important (on the other side, when I searched Google for modern art paintings, the results are often even worse;).
When compared to the carefully chosen images from official web pages or YouTube reviews, the average output quality of a Stable Diffusion generation process is actually less attractive because to its high degree of randomness. When using the same technique on their own, consumers will theoretically only view those images as 1% of the results.
Anyway, it's exciting to witness this area's advancement, especially because the project is open source. Google's Imagen and DALL-E 2 can also produce remarkable findings. It will be interesting to see how they progress.
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Wayne Duggan
3 years ago
What An Inverted Yield Curve Means For Investors
The yield spread between 10-year and 2-year US Treasury bonds has fallen below 0.2 percent, its lowest level since March 2020. A flattening or negative yield curve can be a bad sign for the economy.
What Is An Inverted Yield Curve?
In the yield curve, bonds of equal credit quality but different maturities are plotted. The most commonly used yield curve for US investors is a plot of 2-year and 10-year Treasury yields, which have yet to invert.
A typical yield curve has higher interest rates for future maturities. In a flat yield curve, short-term and long-term yields are similar. Inverted yield curves occur when short-term yields exceed long-term yields. Inversions of yield curves have historically occurred during recessions.
Inverted yield curves have preceded each of the past eight US recessions. The good news is they're far leading indicators, meaning a recession is likely not imminent.
Every US recession since 1955 has occurred between six and 24 months after an inversion of the two-year and 10-year Treasury yield curves, according to the San Francisco Fed. So, six months before COVID-19, the yield curve inverted in August 2019.
Looking Ahead
The spread between two-year and 10-year Treasury yields was 0.18 percent on Tuesday, the smallest since before the last US recession. If the graph above continues, a two-year/10-year yield curve inversion could occur within the next few months.
According to Bank of America analyst Stephen Suttmeier, the S&P 500 typically peaks six to seven months after the 2s-10s yield curve inverts, and the US economy enters recession six to seven months later.
Investors appear unconcerned about the flattening yield curve. This is in contrast to the iShares 20+ Year Treasury Bond ETF TLT +2.19% which was down 1% on Tuesday.
Inversion of the yield curve and rising interest rates have historically harmed stocks. Recessions in the US have historically coincided with or followed the end of a Federal Reserve rate hike cycle, not the start.

Ann
2 years ago
These new DeFi protocols are just amazing.
I've never seen this before.
Focus on native crypto development, not price activity or turmoil.
CT is boring now. Either folks are still angry about FTX or they're distracted by AI. Plus, it's year-end, and people rest for the holidays. 2022 was rough.
So DeFi fans can get inspired by something fresh. Who's building? As I read the Defillama daily roundup, many updates are still on FTX and its contagion.
I've used the same method on their Raises page. Not much happened :(. Maybe my high standards are to fault, but the business may be resting. OK.
The handful I locate might last us till the end of the year. (If another big blowup occurs.)
Hashflow
An on-chain monitor account I follow reported a huge transfer of $HFT from Binance to Jump Tradings.
I was intrigued. Stacking? So I checked and discovered out the project was launched through Binance Launchpad, which has introduced many 100x tokens (although momentarily) in the past, such as GALA and STEPN.
Hashflow appears to be pumpable. Binance launchpad, VC backers, CEX listing immediately. What's the protocol?
Hasflow is intriguing and timely, I discovered. After the FTX collapse, people looked more at DEXs.
Hashflow is a decentralized exchange that connects traders with professional market makers, according to its Binance launchpad description. Post-FTX, market makers lost their MM-ing chance with the collapse of the world's third-largest exchange. Jump and Wintermute back them?
Why is that the case? Hashflow doesn't use bonding curves like standard AMM. On AMMs, you pay more for the following trade because the prior trade reduces liquidity (supply and demand). With market maker quotations, you get a CEX-like experience (fewer coins in the pool, higher price). Stable prices, no MEV frontrunning.
Hashflow is innovative because...
DEXs gained from the FTX crash, but let's be honest: DEXs aren't as good as CEXs. Hashflow will change this.
Hashflow offers MEV protection, which major dealers seek in DEXs. You can trade large amounts without front running and sandwich assaults.
Hasflow offers a user-friendly swapping platform besides MEV. Any chain can be traded smoothly. This is a benefit because DEXs lag CEXs in UX.
Status, timeline:
Wintermute wrote in August that prominent market makers will work on Hashflow. Binance launched a month-long farming session in December. Jump probably participated in this initial sell, therefore we witnessed a significant transfer after the introduction.
Binance began trading HFT token on November 11 (the day FTX imploded). coincidence?)
Tokens are used for community rewards. Perhaps they'd copy dYdX. (Airdrop?). Read their documents about their future plans. Tokenomics doesn't impress me. Governance, rewards, and NFT.
Their stat page details their activity. First came Ethereum, then Arbitrum. For a new protocol in a bear market, they handled a lot of unique users daily.
It’s interesting to see their future. Will they be thriving? Not only against DEXs, but also among the CEXs too.
STFX
I forget how I found STFX. Possibly a Twitter thread concerning Arbitrum applications. STFX was the only new protocol I found interesting.
STFX is a new concept and trader problem-solver. I've never seen this protocol.
STFX allows you copy trades. You give someone your money to trade for you.
It's a marketplace. Traders are everywhere. You put your entry, exit, liquidation point, and trading theory. Twitter has a verification system for socials. Leaderboards display your trading skill.
This service could be popular. Staying disciplined is the hardest part of trading. Sometimes you take-profit too early or too late, or sell at a loss when an asset dumps, then it soon recovers (often happens in crypto.) It's hard to stick to entry-exit and liquidation plans.
What if you could hire someone to run your trade for a little commission? Set-and-forget.
Trading money isn't easy. Trust how? How do you know they won't steal your money?
Smart contracts.
STFX's trader is a vault maker/manager. One trade=one vault. User sets long/short, entrance, exit, and liquidation point. Anyone who agrees can exchange instantly. The smart contract will keep the fund during the trade and limit the manager's actions.
Here's STFX's transaction flow.
Managers and the treasury receive fees. It's a sustainable business strategy that benefits everyone.
I'm impressed by $STFX's planned use. Brilliant priority access. A crypto dealer opens a vault here. Many would join. STFX tokens offer VIP access over those without tokens.
STFX provides short-term trading, which is mind-blowing to me. I agree with their platform's purpose. Crypto market pricing actions foster short-termism. When you trade, the turnover could be larger than long-term holding or trading. 2017 BTC buyers waited 5 years to complete their holdings.
STFX teams simply adapted. Volatility aids trading.
All things about STFX scream Degen. The protocol fully embraces the degen nature of some, if not most, crypto natives.
An enjoyable dApp. Leaderboards are fun for reputation-building. FLEXING COMPETITIONS. You can join for as low as $10. STFX uses Arbitrum, therefore gas costs are low. Alpha procedure completes the degen feeling.
Despite looking like they don't take themselves seriously, I sense a strong business plan below. There is a real demand for the solution STFX offers.

Charlie Brown
2 years ago
What Happens When You Sell Your House, Never Buying It Again, Reverse the American Dream
Homeownership isn't the only life pattern.
Want to irritate people?
My party trick is to say I used to own a house but no longer do.
I no longer wish to own a home, not because I lost it or because I'm moving.
It was a long-term plan. It was more deliberate than buying a home. Many people are committed for this reason.
Poppycock.
Anyone who told me that owning a house (or striving to do so) is a must is wrong.
Because, URGH.
One pattern for life is to own a home, but there are millions of others.
You can afford to buy a home? Go, buddy.
You think you need 1,000 square feet (or more)? You think it's non-negotiable in life?
Nope.
It's insane that society forces everyone to own real estate, regardless of income, wants, requirements, or situation. As if this trade brings happiness, stability, and contentment.
Take it from someone who thought this for years: drywall isn't happy. Living your way brings contentment.
That's in real estate. It may also be renting a small apartment in a city that makes your soul sing, but you can't afford the downpayment or mortgage payments.
Living or traveling abroad is difficult when your life savings are connected to something that eats your money the moment you sign.
#vanlife, which seems like torment to me, makes some people feel alive.
I've seen co-living, vacation rental after holiday rental, living with family, and more work.
Insisting that home ownership is the only path in life is foolish and reduces alternative options.
How little we question homeownership is a disgrace.
No one challenges a homebuyer's motives. We congratulate them, then that's it.
When you offload one, you must answer every question, even if you have a loose screw.
Why do you want to sell?
Do you have any concerns about leaving the market?
Why would you want to renounce what everyone strives for?
Why would you want to abandon a beautiful place like that?
Why would you mismanage your cash in such a way?
But surely it's only temporary? RIGHT??
Incorrect questions. Buying a property requires several inquiries.
The typical American has $4500 saved up. When something goes wrong with the house (not if, it’s never if), can you actually afford the repairs?
Are you certain that you can examine a home in less than 15 minutes before committing to buying it outright and promising to pay more than twice the asking price on a 30-year 7% mortgage?
Are you certain you're ready to leave behind friends, family, and the services you depend on in order to acquire something?
Have you thought about the connotation that moving to a suburb, which more than half of Americans do, means you will be dependent on a car for the rest of your life?
Plus:
Are you sure you want to prioritize home ownership over debt, employment, travel, raising kids, and daily routines?
Homeownership entails that. This ex-homeowner says it will rule your life from the time you put the key in the door.
This isn't questioned. We don't question enough. The holy home-ownership grail was set long ago, and we don't challenge it.
Many people question after signing the deeds. 70% of homeowners had at least one regret about buying a property, including the expense.
Exactly. Tragic.
Homes are different from houses
We've been fooled into thinking home ownership will make us happy.
Some may agree. No one.
Bricks and brick hindered me from living the version of my life that made me most comfortable, happy, and steady.
I'm spending the next month in a modest apartment in southern Spain. Even though it's late November, today will be 68 degrees. My spouse and I will soon meet his visiting parents. We'll visit a Sherry store. We'll eat, nap, walk, and drink Sherry. Writing. Jerez means flamenco.
That's my home. This is such a privilege. Living a fulfilling life brings me the contentment that buying a home never did.
I'm happy and comfortable knowing I can make almost all of my days good. Rejecting home ownership is partly to blame.
I'm broke like most folks. I had to choose between home ownership and comfort. I said, I didn't find them together.
Feeling at home trumps owning brick-and-mortar every day.
The following is the reality of what it's like to turn the American Dream around.
Leaving the housing market.
Sometimes I wish I owned a home.
I miss having my own yard and bed. My kitchen, cookbooks, and pizza oven are missed.
But I rarely do.
Someone else's life plan pushed home ownership on me. I'm grateful I figured it out at 35. Many take much longer, and some never understand homeownership stinks (for them).
It's confusing. People will think you're dumb or suicidal.
If you read what I write, you'll know. You'll realize that all you've done is choose to live intentionally. Find a home beyond four walls and a picket fence.
Miss? As I said, they're not home. If it were, a pizza oven, a good mattress, and a well-stocked kitchen would bring happiness.
No.
If you can afford a house and desire one, more power to you.
There are other ways to discover home. Find calm and happiness. For fun.
For it, look deeper than your home's foundation.
