Search found 110 matches

by tiburblium
Thu Oct 22, 2020 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Is programming still a valuable skill to learn?
Replies: 224
Views: 16674

Re: Is programming still a valuable skill to learn?

10 years ago I was a full time developer, I really enjoyed it. Now, I’m doing cloud app infra and devops arch, which basically means I read the docs, ask some questions, and write some yaml. I like the variety aspect, always new systems and tools to learn. Going to stick with it for awhile, TC close...
by tiburblium
Thu Oct 22, 2020 4:06 am
Forum: Personal Consumer Issues
Topic: MacBook Pro and Lagging Bluetooth Peripherals
Replies: 8
Views: 597

Re: MacBook Pro and Lagging Bluetooth Peripherals

Agree with others that getting a new MBP won’t change anything. The good news is the solution is simple, just use usb attached peripherals. I only use bluetooth for audio when im traveling I have 2 computers I swap between at my desk, so my setup for the MBP is: MBP->USB-C dock->USB switch->10 port ...
by tiburblium
Sun Oct 18, 2020 2:14 pm
Forum: Personal Consumer Issues
Topic: Running Linux vs Other OS?
Replies: 88
Views: 5710

Re: Running Linux vs Other OS?

Another option is to just use Mac OSX or Windows as your host operating system, install Docker Desktop, create Dockerfile(s) with the distro/packages/tools you want and then create a terminal launch profile to auto-launch into interactive mode + mount a host volume. Docker containers start up in < 1...
by tiburblium
Sun Oct 11, 2020 3:36 am
Forum: Investing - Theory, News & General
Topic: BRK-B, Value Fund?
Replies: 41
Views: 3618

Re: BRK-B, Value Fund?

Jack FFR1846 wrote: Sat Oct 10, 2020 4:41 pm I hold it and consider it large cap growth.
Why? It’s one of the largest contintutents in most large cap value funds
by tiburblium
Thu Oct 08, 2020 2:59 pm
Forum: Personal Consumer Issues
Topic: Improving home office setup: 1) monitor 2) webcam/audio
Replies: 30
Views: 1727

Re: Improving home office setup: 1) monitor 2) webcam/audio

This is my home office setup: $299 - NOUHAUS Ergo3D Ergonomic Office Chair - Rolling Desk Chair with 3D Adjustable Armrest, 3D Lumbar Support and Extra Blade Wheels, Mesh Computer Chair, Gaming Chairs, Executive Swivel Chair (Black) $97 - AVLT Dual 13"-32" Monitor Wall Mount fits Two Flat/Curved Com...
by tiburblium
Wed Oct 07, 2020 9:30 am
Forum: Personal Consumer Issues
Topic: Job Offer: Take it, leave it, or leverage it?
Replies: 37
Views: 3438

Re: Job Offer: Take it, leave it, or leverage it?

The recruiter is almost not willing to accept no as an answer. I sent a "thanks, but no thanks" email on Monday and he has been very persistent about asking what they can do to change my mind. I went over all my concerns with him, which we have already discussed in this thread, however he wants to s...
by tiburblium
Mon Oct 05, 2020 9:30 pm
Forum: Personal Consumer Issues
Topic: After 2 weeks on new job, I am wanting to return to my old job, this is a terrible idea right?
Replies: 74
Views: 9757

Re: After 2 weeks on new job, I am wanting to return to my old job, this is a terrible idea right?

Hey all, Sorry for leaving this hanging like this, I thought I had added the conclusion! Here is what happened last year: - Told my former boss I was interested in coming back, he said they were interested and would talk with HR about how to handle the re-onboarding - A few weeks go by, they had to ...
by tiburblium
Mon Oct 05, 2020 9:21 pm
Forum: Personal Consumer Issues
Topic: Job Offer: Take it, leave it, or leverage it?
Replies: 37
Views: 3438

Re: Job Offer: Take it, leave it, or leverage it?

Thanks all for the feedback, I really appreciate it. :sharebeer After reflecting this weekend I decided not to move forward, basically it felt like a lateral move with extra headaches, a decrease in quality of life due to time shift and more hours (likely). Just did not make sense to leave a good th...
by tiburblium
Mon Oct 05, 2020 9:18 pm
Forum: Personal Consumer Issues
Topic: Job Offer: Take it, leave it, or leverage it?
Replies: 37
Views: 3438

Re: Job Offer: Take it, leave it, or leverage it?

I would not burn another job-per-year hop on a 20k increase, but I would get the written offer and use it to ask for a raise at your current position at an appropriate time. 20k pre-tax is not a lot of money. For instance, about this time last year I accepted a move to a director role for a 20k inc...
by tiburblium
Mon Oct 05, 2020 9:18 pm
Forum: Personal Consumer Issues
Topic: Job Offer: Take it, leave it, or leverage it?
Replies: 37
Views: 3438

Re: Job Offer: Take it, leave it, or leverage it?

I would not burn another job-per-year hop on a 20k increase, but I would get the written offer and use it to ask for a raise at your current position at an appropriate time. 20k pre-tax is not a lot of money. For instance, about this time last year I accepted a move to a director role for a 20k inc...
by tiburblium
Mon Oct 05, 2020 9:15 pm
Forum: Personal Consumer Issues
Topic: Job Offer: Take it, leave it, or leverage it?
Replies: 37
Views: 3438

Re: Job Offer: Take it, leave it, or leverage it?

Leave it. Work your present position, keep learning, and be quite thankful that you have a good job in the middle of a global pandemic. Don't try to leverage it. Stay where you're at and hunker down. This. Now is not the time to move for marginal bump and more headache(ops). Also not clear that it ...
by tiburblium
Mon Oct 05, 2020 9:15 pm
Forum: Personal Consumer Issues
Topic: Job Offer: Take it, leave it, or leverage it?
Replies: 37
Views: 3438

Re: Job Offer: Take it, leave it, or leverage it?

I think you should take the new job. That way in two weeks, you can come back and post this: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=294595. :wink: In all seriousness, how often is compensation reviewed at this company? Annually, semi-annually? If you haven't yet had a scheduled compe...
by tiburblium
Sun Oct 04, 2020 10:36 am
Forum: Personal Consumer Issues
Topic: Job Offer: Take it, leave it, or leverage it?
Replies: 37
Views: 3438

Job Offer: Take it, leave it, or leverage it?

Hi Bogleheads, I posted a thread here the last time I switched jobs and found the feedback very helpful, so I thought I would get your thoughts on my current situation. I wasn't actively searching, but recruiters are always contacting me and I entertained one who's offered seemed interesting Current...
by tiburblium
Mon Sep 21, 2020 10:53 am
Forum: Personal Investments
Topic: Second market dip in 2020 ?
Replies: 14
Views: 1845

Re: Second market dip in 2020 ?

Looks like market dipping again in 2020. Is "correction" the right terminology for this market dip ? Any thoughts on any changes anyone may be making to investments? My apologies if this question is not in the spirit of Bogleheadian philosophy. Do you have cash you have been meaning to invest? Now ...
by tiburblium
Fri Sep 18, 2020 8:18 pm
Forum: Investing - Theory, News & General
Topic: Gold continues to soar!
Replies: 256
Views: 15512

Re: Gold continues to soar!

Perhaps gold makes sense versus just holding cash in times where inflation is anticipated. I am more comfortable holding equity positions in the S&P 500 and the Nasdaq Indexes as an inflation hedge. Gold has value because some people think it is valuable and that feels somewhat capricious to me. I ...
by tiburblium
Tue Sep 08, 2020 8:25 am
Forum: Investing - Theory, News & General
Topic: How do Bogleheads cope with FOMO? [Fear Of Missing Out]
Replies: 97
Views: 7902

Re: How do Bogleheads cope with FOMO? [Fear Of Missing Out]

Gravity, and people have seen this movie before.

TSLA is down 15% in pre-market this morning. It could fall 95% to $20 and still be considered highly over valued
by tiburblium
Tue Sep 08, 2020 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Selling home at a loss
Replies: 55
Views: 6097

Re: Selling home at a loss

Is your mortgage a non-recourse mortgage? If so, your loss is capped at only your home equity. So if your home value dropped 50% to 800k, you could walk away and only be out your 200k downpayment, you wouldn’t have to eat the full 800k loss. You have a floor on your losses. In this case, why sell ou...
by tiburblium
Fri Sep 04, 2020 2:25 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 9388
Views: 750698

Re: U.S. stocks continue to soar!

mrspock wrote: Thu Sep 03, 2020 12:03 pm Should we warm this thread up for tomorrow? If history is any lesson, Mr. Market is about to buy you a free OLED TV for every 100k you buy today.
It worked, thank you Mr. Spock! :mrgreen: :moneybag :mrgreen:
by tiburblium
Wed Sep 02, 2020 7:44 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 9388
Views: 750698

Re: U.S. stocks continue to soar!

I do feel like I'm missing out by only being 100% invested in equities, congrats to those who have been using leverage during this run up
by tiburblium
Tue Sep 01, 2020 8:57 pm
Forum: Investing - Theory, News & General
Topic: For those with $500k-$1m in investments...
Replies: 211
Views: 33618

Re: For those with $500k-$1m in investments...

60% Taxable 40% 401k/IRA/Roth/HSA I wish I would have had more tax advantaged savings opportunities. Unfortunately, I worked at a company for a long time that limited my 401k contribution to 6% per year due to the HCE rule because of how their plan was structured. I also took much bigger risks in my...
by tiburblium
Mon Aug 31, 2020 3:22 pm
Forum: Personal Investments
Topic: Family member has one million in one stock , doesn't want to cash out
Replies: 261
Views: 28350

Re: My dad has 1 million in Tesla, I told him to cash out, he doesn't want too

He made 150k today, give him a high five. I am sure it will be up big again tomarrow too.

It’s like bitcoin, so it could go up 10x from here
by tiburblium
Sun Aug 30, 2020 9:00 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 9388
Views: 750698

Re: U.S. stocks continue to soar!

Steve Reading wrote: Sun Aug 30, 2020 8:38 pm
tiburblium wrote: Sun Aug 30, 2020 8:12 pm International futures soaring
Wait what contract? My dumbass didn't even know there were international futures contracts available.
Nikkei 225 (NYU20) , Hang Seng Index (HSIF), Euro Stoxx 50 (FESX)

Not comprehensive but just what I track
by tiburblium
Sun Aug 30, 2020 8:55 pm
Forum: Personal Consumer Issues
Topic: Xfinity, AT&T fiber, or both for internet (in SE Florida)
Replies: 4
Views: 323

Re: Xfinity, AT&T fiber, or both for internet (in SE Florida)

I've had AT&T fiber for 5 years, 1 Gigabit up/down and no data cap. Bandwidth is always available as advertised, consistent, very low latency. The price has been exactly $70/month and has never changed, the service has only been down 2 times in 5 years, both outages were resolved in less than an hou...
by tiburblium
Sun Aug 30, 2020 8:12 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 9388
Views: 750698

Re: U.S. stocks continue to soar!

International futures soaring
by tiburblium
Sat Aug 29, 2020 9:40 pm
Forum: Personal Investments
Topic: Fidelity Bitcoin Index Fund
Replies: 71
Views: 6361

Re: Fidelity Bitcoin Index Fund

whodidntante wrote: Sat Aug 29, 2020 7:46 pm You can buy bitcoin futures instead. 5 BTC per contract.
https://www.cmegroup.com/trading/equity ... tions.html
+1
by tiburblium
Fri Aug 28, 2020 5:19 pm
Forum: Investing - Theory, News & General
Topic: How long could you live off your portfolio if the worst happened?
Replies: 110
Views: 10748

Re: How long could you live off your portfolio if the worst happened?

There is also upside risk to those who have too little invested in investable assets.

Perhaps the ammount you have saved in dollars is sufficent today, but it may not be sufficent tomarrow.
by tiburblium
Thu Aug 27, 2020 6:48 pm
Forum: Investing - Theory, News & General
Topic: Bear Cub Smells Bubble
Replies: 406
Views: 30013

Re: Bear Cub Smells Bubble

Options bets that the stock market will continue to soar have exploded to dot-com bubble levels:

https://www.marketwatch.com/story/optio ... 1598558379
by tiburblium
Thu Aug 27, 2020 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Is cash really king?
Replies: 35
Views: 3760

Re: Is cash really king?

Cash is trash but bonds are worse
by tiburblium
Thu Aug 27, 2020 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Traditional Mortgage or HELOC for a Smallish Figure?
Replies: 10
Views: 687

Re: Traditional Mortgage or HELOC for a Smallish Figure?

+1 for the HELOC, my house is paid off, and I opened a HELOC which is prime rate -0.5%, or about 2.75%. No fees to open, no transaction fees.

My lender also said I can convert it to a fixed term loan in the future to lockin a rate if desired
by tiburblium
Thu Aug 27, 2020 10:28 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 9388
Views: 750698

Re: U.S. stocks continue to soar!

TSLA up another 12% this week, like clockwork.
by tiburblium
Wed Aug 26, 2020 3:16 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 9388
Views: 750698

Re: U.S. stocks continue to soar!

Every weekend I'm thinking to myself that I should sell my QQQ position and buy Total US Market, then usually by mid-week I'm thankful I was too lazy to go swap funds
by tiburblium
Wed Aug 26, 2020 8:11 am
Forum: Investing - Theory, News & General
Topic: Bear Cub Smells Bubble
Replies: 406
Views: 30013

Re: Bear Cub Smells Bubble

I doubt we will see any equity market drops of > 10% anytime soon. Everyone has now been conditioned to buy the dip, those who did not this time learned their lesson. I am not saying that is right or wrong, just from a psychological standpoint.
by tiburblium
Tue Aug 25, 2020 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Help with mom's inheritance
Replies: 17
Views: 1531

Re: Help with mom's inheritance

Wouldn't grandfather's new wife receive the assets when he passes and could she modify the martial trust?

I'm not a lawyer so I have no idea, just an honest question
by tiburblium
Sat Aug 22, 2020 11:31 pm
Forum: Personal Investments
Topic: Single Stock (TSLA)
Replies: 22
Views: 2082

Re: Single Stock (TSLA)

Zoom is at 1,730 p/e while TSLA is only 1,036 p/e. So maybe that means TSLA could go up another 50% this year, or next week, who knows.
by tiburblium
Wed Aug 12, 2020 9:52 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 9388
Views: 750698

Re: U.S. stocks continue to soar!

Jermey Siegel says backup the truck:

https://youtu.be/4oTFgqCXcyY
by tiburblium
Tue Aug 11, 2020 4:13 am
Forum: Investing - Theory, News & General
Topic: Anyone else hoarding cash right now?
Replies: 201
Views: 21688

Re: Anyone else hoarding cash right now?

I’m hoarding equities, I wouldn’t sleep well at night holding cash in this environment.
by tiburblium
Mon Aug 10, 2020 10:44 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 9388
Views: 750698

Re: U.S. stocks continue to soar!

Good to see some rotation, small caps up 7% from last monday.

Looks like international will gap up tomarrow morning
by tiburblium
Sat Aug 08, 2020 2:00 pm
Forum: Investing - Theory, News & General
Topic: Anyone else hoarding cash right now?
Replies: 201
Views: 21688

Re: Anyone else hoarding cash right now?

I stopped investing in my taxable back in March and can't bring myself to start again. I'm still investing automatically in my 401k. I'm just holding onto my cash in case of a worst case scenario if society collapses and I need liquid funds. I don't mean the case where you'd have to live in a bunke...
by tiburblium
Fri Jul 31, 2020 10:36 am
Forum: Investing - Theory, News & General
Topic: Great Depression 2.0
Replies: 21
Views: 1787

Re: Great Depression 2.0

I am feeling more bullish on stocks now than I was in Janurary of this year
by tiburblium
Sun Jul 26, 2020 11:09 am
Forum: Investing - Theory, News & General
Topic: Arkansas Teachers sues Allianz Global Investors over absolute-return strategies
Replies: 27
Views: 2604

Re: Arkansas Teachers sues Allianz Global Investors over absolute-return strategies

Privatized gains, sociallized losses. Risk and reward are related, I’m not following the basis for any lawsuit here, the decision makers for the pension fund made this decision and if anyone should be held accountable it is them. Not that it matters, I am sure most Pension funds will continue to inc...
by tiburblium
Thu Jul 23, 2020 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: When to self insure for things like cars? (prefer mathematical model)
Replies: 91
Views: 6731

Re: When to self insure for things like cars? (prefer mathematical model)

Let me give you an example. Let's say you had 10k to your name and your had a 15k car, buying comprehensive and collision insurance should be a no brainer. Now let's say you had 100 million, obviously you wouldn't need insurance on a 15k car, you'd just write a check without blinking. What is the t...
by tiburblium
Sun Jul 19, 2020 12:01 am
Forum: Personal Investments
Topic: When to sell individual stock after run up?
Replies: 51
Views: 3871

Re: When to sell individual stock after run up?

Greetings BH community.... wondering your thoughts about when to sell an individual stock that has had a great run. During the market plummet in March, I bought a handful of tech and biotech stocks. In one of my favorite biotech stocks, I have a 181% gain and my total gain is $21k (short term). I h...
by tiburblium
Sat Jul 18, 2020 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage vs. car loan?
Replies: 7
Views: 532

Re: Mortgage vs. car loan?

And yes our long-term goals are fully funded, though our 401k contributions will be capped this year and probably next because the company match has been temporarily suspended. More money for the slush fund, I guess. Did they just suspend their match? If so, couldn't you still contribute to the IRS...
by tiburblium
Thu Jul 16, 2020 7:00 pm
Forum: Investing - Theory, News & General
Topic: Paid off home with 30 year marginal rates approaching 2%
Replies: 38
Views: 4084

Re: Paid off home with 30 year marginal rates approaching 2%

Nobody will be complaining that their mortgage is 3% when US Treasury Bills are paying 4%, 5%, or even more in the future. When T-Bills start paying those rates, it will be too late to get a 3% fixed rate mortgage. I’m not sure I’m following, are you suggesting that someone who leverages their inve...
by tiburblium
Thu Jul 16, 2020 6:16 pm
Forum: Investing - Theory, News & General
Topic: Paid off home with 30 year marginal rates approaching 2%
Replies: 38
Views: 4084

Re: Paid off home with 30 year marginal rates approaching 2%

A 30 year mortgage is 2.98% and a comparable risk free investment, a US Treasury bill returns 0.19% before tax, so it's all relative. Did you want to increase your portfolio risk in the hopes of more return? If your portfolio is 100% equities right now and you wanted to leverage your portfolio beyon...
by tiburblium
Thu Jul 16, 2020 5:33 pm
Forum: Personal Consumer Issues
Topic: Anyone else love this new working from home thing?
Replies: 89
Views: 6475

Re: Anyone else love this new working from home thing?

WFH isn’t new to me, regular, flexible WFH has been a norm at every company Ive worked for in the past 12 years. That said, I had never worked 100% remote before as we are doing now. We live in the outer Atlanta suburbs, so I really don’t miss the commute which was about 1hr each way. More important...
by tiburblium
Thu Jul 16, 2020 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: why get - or not get - umbrella insurance?
Replies: 13
Views: 1123

Re: why get - or not get - umbrella insurance?

Good lawyers run $500 an hour but I can hire them for $500 per year to handle the more likely torts? +1 It reminds me of how patent trolls are able to extort settlements from small companies, because these companies realize it would cost them more time and money to actually fight the lawsuit, regar...
by tiburblium
Wed Jul 15, 2020 3:01 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 9388
Views: 750698

Re: U.S. stocks continue to soar!

IJS up 4.28% today