jterenzio

6 ms·

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macOS Client-Side-Encrypted Backups w/out 3rd-Party Software(john.terenz.io)
1 points by jterenzio 7y ago|0 comments
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Apple's New 'Find My' App for iOS Can Find Your Devices Even When Offline(macrumors.com)
1 points by jterenzio 7y ago|0 comments
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by jterenzio 8y ago
Is there a good link to learn more about that?
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by jterenzio 8y ago
Thanks for the comment. I was trying to make clear this is a short-term strategy in a rising rate environment where you eventually want the principal back and don't want to take much risk. In accounts with longer term goals like retire
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by jterenzio 8y ago
I added a note in my article to clarify this. My strategy here is short-term. You want to withdraw your capital eventually, not hold forever. Maybe you are saving for a house in a few years. If you suspect that rates are still rising when y
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by jterenzio 8y ago
Cool. I will read that. I'm trying to address the practical case of buying something, earning interest, then selling it and/or having it mature, not holding into perpetuity. Maybe I can be more clear about this in the post so afte
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by jterenzio 8y ago
Automated CD ladders are great too. The only issues are if you need to liquidate in an emergency you take a bigger hit, and you owe state tax but in general they can be good enough for many people.
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by jterenzio 8y ago
> The mindset for rational and sane upward mobility seems to remain stubbornly out of reach, causing many honest, decent people to save up nest eggs which are then extremely vulnerable to scammers. If we had a body of information availab
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by jterenzio 8y ago
> Some firms offer target maturity bond funds which will is the best of both worlds. These are great for corporate bonds. Check out iShares iBonds if you want to include corporate bonds in your portfolio without building a ladder or taki
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by jterenzio 8y ago
In theory that's true if you hold the fund forever but take the example of VGSH from another comment thread. If you bought that fund exactly 1 year ago and sold today you would have realized a return of less than 2% because while the y
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by jterenzio 8y ago
I am not sure if that's true for non-fixed-maturity funds because the fund manager will keep the ladder rolling after 5-7 years, ie. the fund won't just pay out at maturity - they will keep reinvesting further and further into the
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by jterenzio 8y ago
Definitely a good alternative if your broker charges fees. As mentioned Fidelity does not but I suspect that's not the norm...
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by jterenzio 8y ago
Yes, but the yield on the payouts is only around 2.5% with this fund so the price change has a massive effect on your overall return.
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by jterenzio 8y ago
I mentioned it my post that and it's something to consider. With treasuries the spread is fairly tight.
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by jterenzio 8y ago
I'm not sure that works universally. If you buy a bond with a 2% yield today that matures in 3 years and you decide to sell in 1 year instead and at that point the current rate is 3% the price you sell at will be lower than the price y
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by jterenzio 8y ago
It depends. In my article I pointed out that with Fidelity there are no commissions or markups on treasuries on the secondary market. If there were, it would definitely change the calculus.
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by jterenzio 8y ago
You are correct in rising interest rate environments where you believe the rates will continue to rise. With bond funds you can get the same yield as the ladder (interest payments) if you hold forever and never sell, but if you sell you may
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by jterenzio 8y ago
What holding does is lock your returns and sets a floor. When you buy a bond and hold it you will be guaranteed to receive the return. Sure if rates rise afterwards you have opportunity cost because you can't invest that money at a hig
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by jterenzio 8y ago
I agree for long-term investments a fund might be better (ex. in a retirement account mixed with equity funds) but if you bought those bond funds in the past few years and sold them you might not have made much of a return. For example in t
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Building a Treasury Bond Ladder(terenz.io)
140 points by jterenzio 8y ago|99 comments
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Archiving My Archives: Removing Ancient Emails from Google(terenz.io)
2 points by jterenzio 9y ago|0 comments
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by jterenzio 12y ago
Thanks for the comment. I chose that picture more to capture the spirit of collaboration than to highlight specific code. We still have a lot of legacy code that we're constantly trying to improve.
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Maintaining Quality at Scale(nerds.airbnb.com)
15 points by jterenzio 12y ago|3 comments
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SDK Mindset – A Braintree Tech Talk Hosted by Airbnb – 11/5(airbnb.com)
12 points by jterenzio 12y ago|0 comments
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Tmux 1.9 Released(sourceforge.net)
3 points by jterenzio 13y ago|0 comments
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Captour | collaborative photo book(kickstarter.com)
1 points by jterenzio 13y ago|0 comments
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by jterenzio 14y ago
"ctrl-[prefix] z" toggles zooming in on a pane now, this is awesome!!!
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by jterenzio 14y ago
Changelog: http://sourceforge.net/p/tmux/tmux-code/ci/master/tree/CHANG...
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tmux 1.8 Released(tmux.sourceforge.net)
247 points by jterenzio 14y ago|159 comments
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Improve indexing performance of ctrl-p using find + grep(github.com)
1 points by jterenzio 14y ago|0 comments

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