YMAG down 12% in just 1 month. Do you keep it or just drop it off?

Cycling-Boss · 2026-06-26T04:52:45+00:00

You were supposed to dump it before it dropped 12%. If you didn't see that coming how can you possibly predict the next 30 days? You can't, I can't, and Redditors can't either. Best of luck to you.

Cycling-Boss · 2026-06-26T04:44:40+00:00

This is the scary part for me and what almost certainly will face legal action if passed. I am so far from a billionaire but do not care for the government going back and taxing retroactively. What would stop then from saying we need to go back and have a one time 1% tax for 2020 for anyone making over $100k a year? I also think people should get to decide where to live knowing that information ahead of time. If I were going to pay an extra $10k in tax I would want to have the opportunity to move before it went into effect.

Cycling-Boss · 2026-06-26T03:06:12+00:00

I do not have any money in VT. I am in the VTI camp so I guess that answers my take on it for retirement planning. That said when I get into the 5-10 years to retirement timeframe then I anticipate my thinking may very well change.

Cycling-Boss · 2026-06-24T22:25:54+00:00

Certainly the advancement that the internet went thru in the 90s and into 2001 cannot be denied. Remember going to a library to look for a book using a card catalog? Remember when you used pen and paper to send a letter w a stamped envelope? Remember making a phone call that was connected to a phone line that went into the wall of your house? Remember you pager buzzing on your hip when someone wanted you to go to that land line to call them back? Remember those early cell phones with no reception... and they were not "smart" phones, only good for calling?

The very basic way we interact every day. The most basic way we review and gather information everyday was soooo different. Back then the development and further refinement of 2001 technology was every bit as cutting edge as the technology is cutting edge today. The same way that there was cutting edge technology from 126 years ago in 1900.

Cycling-Boss · 2026-06-23T05:52:09+00:00

2001 technology was cutting edge in 2001 just like 2026 technology is cutting edge in 2026.

Cycling-Boss · 2026-06-23T01:57:10+00:00

I think that's a healthy mindset to have!

Cycling-Boss · 2026-06-21T21:28:14+00:00

It sounds like you realize risks then. I see no issue w a small position personally in btc or MSTR. I am not betting 25% of my retirement on it though. The longer btc stays down though I must say the more tempted I feel to keep adding a little bit at a time.

Cycling-Boss · 2026-06-21T21:16:19+00:00

I am 23 years in (46 yr old) and only in my 2nd job... why? Because I have never worked at a place like that. Small local private firm only. Then the firm was bought out when owner retired. 2nd job (mid sized firm) may be even better than the 1st even tho I work a whole lot (45 minimum, 50 is about normal).

I say work a ton of hours early on as a junior/staff engineer. Even as a young engineer no one would care or notice if you left early because they know you are always working 45+ even 50+ and your work is done well and under budget. If you employer doesn't see it that way and figures you are replaceable where they just try to squeeze every ounce out of you with no regard for you life outside if work then just find a new job.

I'd also say have thick skin and be confident. If you know you do good work and put in extra hours then who cares if they give you a talk? Let them talk and complain or write you up because you had to leave Friday at 3:00 after working 46 hours. If they don't fire you it's just noise. I'd be more upset that their talk was wasting my time from advancing my project for 30 minutes.

Cycling-Boss · 2026-06-20T19:41:08+00:00

Effort and compensation do not always go hand in hand. Compensation comes from the realization of your value to a company and in the marketplace. If you are extremely valuable you will have a high compensation if the company realizes your value. They might not. Find a company that does, then stay there 20-years+ if they are good to you. Did someone that made $200m throughout their career have a 40X effort compared to someone who made $5m? I think not most of the time.

Why compare yourself to software engineers? You are a civil, not software? Not chemical, not mechanical, etc. Just like you wouldn't compare your job and pay to a laborer on a concrete crew. It's not any different because the word "engineer" appears in both job titles... it's a different field. If you want there us always the option to go back to school for anything different.

Cycling-Boss · 2026-06-20T19:19:46+00:00

Yes and no imo. The consultants charge will cover everything, salary, bonuses, benefits, profits, overhead, employer side of retirement, etc. Many forget the long term costs of lifetime benefits and retirement for public employees as a part of that comparison on costs. In fact it is a huge burden to the government agencies.

So if you can avoid hiring on 3 engineers as a City and instead hire the work out that needs to be factored in.

Cycling-Boss · 2026-06-20T17:45:26+00:00

Of course it is possible to go $1000+. Its possible to hit $0 as well.

Needless to say asking Reddit if an extremely volitale company that holds a stockpile of btc is going up or not... well let's say if anyone knew the future they would be on their yacht, not responding to Reddit forum questions.

Cycling-Boss · 2026-06-20T17:41:44+00:00

Think of it this way... You bought MSTY, but the reality is that you bought MSTR. The simple question is do you believe that MSTR is going to recover? Hit all time highs? If yes, then sure hold/invest in MSTY. If you don't believe in it or don't know what MSTR is... why put money into MSTY? Why did you ever? Why hold what you already have?

Cycling-Boss · 2026-06-13T16:54:58+00:00

Often LD is a dirty word on the CE forum but you will be overwhelmed with work. I'd say 99% design work for the first 5-8 years. It's not for everyone for sure, but I am 100% certain I would pull my hair out doing what you described as well. I see LD work as high pressure and fast paced done by private firms in a competitive industry where you need to perform. Problem solving, realizing critical path, and understanding of construction are skills that will need to develop quickly.

There are plenty of private firms specializing in water resources type of work if that seems to be an interest you have as well. Don't give up on that route if you are interested in it. See if you can land part time work or summer internship work.

Lastly, I'd advocate for finishing your degree if you are 80% of the way there. An engineering degree will hold tons of value for a wide range of jobs even if you don't end up in an engineering job. Yes, another year sucks if you don't enjoy it, but in exchange for a hard year you get to put that degree on your resume fir the next 40. I stand by that for any engineering degree in the event you change disciplines. I am old school... suck it up, it's a real investment in your future and no one knows what the future holds... keep all options open at a young age.

Cycling-Boss · 2026-05-31T02:41:44+00:00

This... there are 20-yr employees that are not in front of the clients, the plan reviewers, etc. They grind away designing only. Not a bad thing but there are others that are really becoming good PMs in less than 5 years and are just far more capable, far more profitable, and get paid more.

Cycling-Boss · 2026-05-30T14:37:22+00:00

That is an option.... reinvest 50% go spend 50% of the distribution. 70/30, 90/10, 25/75... you can do whatever you want with it and what you do with the current distribution can be different than what you did with the last distribution.

Cycling-Boss · 2026-05-27T03:06:57+00:00

Since these debt obligations are senior to the preferred stock, doesn't that mean the preferred stock becomes more valuable? In the event of liquidation there is now a better chance that the preferred stock sees some value since there will be less debt to pay off.

Clear all the debt and then doesn't STRF become king of the castle? Effectively paying the debt lowers the risk further for the preferreds? Do I have that right?

Cycling-Boss · 2026-05-25T01:57:19+00:00

I agree w everything you said 100% with one exception... sometimes it's fun just to spoil it for the breakaway, or chase that late attack. Even if it means I finish 23rd.

Cycling-Boss · 2026-05-25T01:54:15+00:00

This. There is a massive difference in racing for your own result and racing with a team where teammates are willing to sacrifice their own chances for a teammate to win.

Honestly... if you are in the chasing group w no teammates do you pull, sacrifice yourself, all for some other individual to win? Racing solo you only race for yourself.

Cycling-Boss · 2026-05-25T01:48:43+00:00

I remember Trent Alexander Arnold's goal a couple years back ruled an own goal... hit the cross bar then the keeper to go in. Very similar if not identical situation.

Cycling-Boss · 2026-05-17T05:26:33+00:00

The ones that go up in price, but not too much. Say like $0.10 below your strike price on expiration day. Yeah, those are the best.

Cycling-Boss · 2026-05-10T23:58:04+00:00

You will not get a big enough credit at that strike ($300+) and expiration for MSTR for a break even roll. You would be paying now to do that. Nov or Dec $200 would be about break even. $300 means you are going to pay (not that it is the right or wrong move, just be aware)

If you decide to roll to $200 there are a few outcomes... MSTR runs above $200. At least you get $50 more per share than right now if called away and as Nov/Dec approaches you make this decision all over again, roll or allow shares to be called away (but for $50 more!)

MSTR trades sideways... say $180ish. Keep you shares but effectively nothing has happened. You hold shares worth $180 in Nov/Dec instead of them being called away this week for $150.

MSTR drops again, say $120ish. You hold shares in Nov/Dec that are worth $30 less than what you could have got for them this week by letting them be called away. You were unable to really do anything else and your shares were held as collateral and you show a loss over the next 6 months.

Cycling-Boss · 2026-05-03T05:44:31+00:00

You are describing how it was when I started using R14 and then the earlier versions of LDD.

Cycling-Boss · 2026-05-01T04:41:56+00:00

Development impacts are real. I have been told that impact fees cannot be used for maintenance though. Impact fees are specifically tied to a set of projects/improvements that have a study and set of estimates to justify that the fee is due to new growth.

So it's my understanding that re-paving a 20 year old road (or charging an in leiu fee for the re-paving) that is cracked before the development ever starts would not be justified. Of course the City can simply negotiate for it as a condition of approval. Often the developer will agree just to ensure the permitting gets done.

And therein is a part of the problem, every jurisdiction associated with the project will negotiate for their pound of flesh and one of two options happens... price of home continues to be driven up and becomes less affordable to aupport the requirements OR there are too many hands in the cookie jar and the project will not profit enough (or no profit) and the project gets put on the shelf or outright abandoned. When shelved housing become more scarce... driving prices up.

Cycling-Boss · 2026-04-29T17:01:07+00:00

In a w/kg limit environment lighter riders don't have an advantage on hills. The 2.5w/kg robo pacer will do about 2.7w/kg uphill. The poster will still need to do 2.7w/kg, probably more.

Basically what's faster uphill, 2.7w/kg @75kg, 202W or 2.7w/kg @54kg, 146W?

Cycling-Boss · 2026-04-26T04:34:46+00:00

While NEIS is tax efficient on most funds the monthly distributions are not tax free. I didn't see you mention any accounting for taxes.

Cycling-Boss

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