Earlier quoted context omitted.
I picked one up almost 3 years ago for my home office. Also happened to document the process of building one here: https://nickjanetakis.com/blog/build-your-own-8x4-foot-white... I don't mind spending money but it's hard to pass up $15 worth of materials at home depot and 20 minutes of work instead of buying a pre-made whiteboard for $200. If anyone is curious, even ~3 years later with a decent amount of usage it wor…
The only problem with hardware store melamine is the performance degrades quickly and they ghost badly with almost any brand of marker that remains on the board for a week or so. I’ve tried a bunch of hacks including wiping the board with WD40 and have since moved on to glass write boards when and where I can. I’ve had times in my career where I didn’t have $200 to spend, and the hardware store option is great, but $…
Becoming a high performing software developer working from your bedroom
181–190 of 308 posts
Re: Becoming a high performing software developer working from your bedroom
#182When people envision working from home, it seems that "wearing pajamas" is a common trope. That is not a good idea. The thing about clothes is that they're part of a routine. I.e. I wake up, make some tea, put some fresh clothes on, turn on my computer, and now I'm in work mode. Ideally. In practice it doesn't always work like that, but it's still far better than waking up and just sitting down in front of my compute…
Re: Becoming a high performing software developer working from your bedroom
#183I carved about 100sqft out of the corner of my bedroom for an office. And it worked well for a while. But I eventually found that I needed complete separation between home and work. I found myself always kind of at work and not sleeping as well.
So I moved my office into a basement room. The view isn't as nice but there's a concrete concept of leaving the office, shutting the door, and that's that. And now my bedroom is for sleeping (or sometimes building a fort).
Re: Becoming a high performing software developer working from your bedroom
#184Earlier quoted context omitted.
The absolute low point was in 2008, when Nasdaq-100 went down by -40.54%. The last 15 years: 2019 35.23% 2018 -3.88% 2017 28.24% 2016 7.50% 2015 5.73% 2014 13.40% 2013 38.32% 2012 15.91% 2011 -1.80% 2010 16.91% 2009 43.89% 2008 -40.54% 2007 9.81% 2006 9.52% 2005 1.37% 2004 8.59% At no point I called it low risk. It's high risk / high return. The risk of high financial exposure to such funds can only be taken until 40…
> At no point I called it low risk. The person who originally mentioned those percentages and started this comment thread (and since edited it down) said low/medium risk.
Nasdaq-100 or SP-500 can be a part of a medium-risk investment portfolio as long as the exposure to them is adjusted based on the period of time left until retirement.
It's a medium-risk strategy to keep up to 80% of your retirement portfolio invested in Nasdaq-100 or SP-500 in your 20s, up to 60% in your 40s, and up to 40% in your 60s. As long as the rest of the portfolio is invested in low-risk government bonds.
Re: Becoming a high performing software developer working from your bedroom
#185> You would think that the more time you spend working, the more results you produce. No, if you are a remote worker who sits at a desk and forces yourself to work at specific times solely because you feel you should be working, you are doing it wrong. Go the other way. Figure out what times naturally work best for you, and work at those times. If you are sluggish in the afternoon, take breaks. Work early mornings, l…
Most businesses will also have meetings during regular business hours.
Re: Becoming a high performing software developer working from your bedroom
#186Earlier quoted context omitted.
“Now consider if you invest that money over 30 years in some low to medium risk areas and average 10 - 15% per year” How do you do that?
> How do you do that? For the last decade, 10-15% average annual return would have required keeping 70-90% of the funds invested in Nasdaq-100[1]. Also, Vanguard 500 Index Fund (VFIAX) currently has a 10-year average of 13.52%[2]. The general advice is not to keep more than (110 - your_age)% of your retirement portfolio in these high risk / high rewards funds. Therefore, it's entirely possible to receive 10-15% annua…
Re: Becoming a high performing software developer working from your bedroom
#187Earlier quoted context omitted.
> How do you do that? For the last decade, 10-15% average annual return would have required keeping 70-90% of the funds invested in Nasdaq-100[1]. Also, Vanguard 500 Index Fund (VFIAX) currently has a 10-year average of 13.52%[2]. The general advice is not to keep more than (110 - your_age)% of your retirement portfolio in these high risk / high rewards funds. Therefore, it's entirely possible to receive 10-15% annua…
Please do remember that a 10 year average today, is 10 years from the financial crisis. That is not a very objective measure of future success.
Re: Becoming a high performing software developer working from your bedroom
#188Re: Becoming a high performing software developer working from your bedroom
#189Re: Becoming a high performing software developer working from your bedroom
#190Earlier quoted context omitted.
“Now consider if you invest that money over 30 years in some low to medium risk areas and average 10 - 15% per year” How do you do that?
I agree that 10-15% is a little optimistic, but even with a more realistic 4-7% you'd still have $300,000-500,000 at the end of 30 years, which is nothing to sneeze at.
There is already enough bullshit and delusion going around in investing advice so let’s not add to it.