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What things am I a dumbass about? (lemmy.nz)

submitted 8 months ago by [email protected] to c/[email protected]

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Had someone contact me because a browser interface was 'down' and it was actually a cert issue. It surprised me that in an IT context, this person didn't have a basic understanding of SSL certs. They didn't even know how to add a cert exception.

It got me thinking, what basic ubiquitous things am I a dumbass about outside of IT?

Ive seen lots of 'fun facts' compilations, but it would be better to get a wide range of subject suggestions that I can spend 30 minutes each or less on, and become a more capable human.

Like what subjects would plumbers consider basic knowledge? Chemical interactions between cleaning products and PVC pipes?

What would an accountant or a landscaper consider to be so basic its shocking people can live their lives without knowing any of it?

For most areas of expertise, its difficult to know even what the basics are to start with.

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[–] [email protected] 4 points 8 months ago (1 children)

That's wild. When I was getting a mortgage for my house, the lender was like "your interest rate is X, but if you pay $Y you can add a 'point'". I'm like "wtf is a point?" Turns out, it's a roundabout way of saying, higher down payment = lower interest rate.

It already wasn't obvious what their jargon meant, so for you to have a sales person offering the exact opposite of what my lender did, actively bribing customers to take a worse deal for themselves, it's just...scummy.

[–] [email protected] 2 points 8 months ago (1 children)

Yeah, buying points is a bit different though and again is a great example of why everyone should at least have a basic understanding of how to make an amortization schedule.

Buying points isn't exactly the same as a higher down payment, because that money doesn't take any principal off your loan. It's basically paying interest up front, giving the lender a lesser amount now rather than a greater amount later.

Shit gets complicated real quick, so plugging it into an Excel spreadsheet makes it much more clear.

[–] [email protected] 2 points 8 months ago

Cool, see I didn't even know about that difference lol. To me it amounted to "do you want to pay us more up front for a lower monthly rate", which just sounded like the same thing as a larger down payment.