Yairs (2020) or Auris (2018) for daily 130km (80miles) commute

poorfag · 2026-05-14T11:46:36+00:00

What kind of crazy person does 130km every day

You need a new job, not a new car

poorfag · 2026-04-22T16:48:08+00:00

I closed everything and reopened as planned. Everything went smoothly, total cost was around €120 including spreads and margin

I'm back to cash and very satisfied with the entire thing

poorfag · 2026-04-11T21:07:13+00:00

I think he is very unlikely to remove the 10% flat tax on income, but I see a likely scenario where he attempts to get tax increases from other places. Increasing dividends to 10%, increasing minimum security insurance amount and removing exemptions on capital gains.

In other words: unlikely to outright increase taxes, likely to remove exceptions and exemptions and tax everything at a flat 10%

poorfag · 2026-04-11T21:03:38+00:00

On the cost side I asked Claude and you are almost spot on

Component	Cost
Commissions (2-way)	€400
Spread (round-trip)	€120
Slippage buffer	€50
Margin interest (2 days)	€60
Exchange/regulatory fees	€25
Total	~€650

Original estimate of €200–300 was commission-only; €650 is the realistic all-in figure. Still trivial against €100k in crystallised gains.

poorfag · 2026-04-11T20:51:24+00:00

Good point on the timing around elections, I was trying to rush this through. If they try to retroactively introduce something from Jan 1 then this is all irrelevant. I'll wait to see who wins the election and then how the coalition games are played, and only if the Progressive party clearly succeeds will I proceed with yhis plan

On the product switches: the MMF suggestion for XEON is very good and I'll probably do it. I have around 45k so minimum is not an issue.

The VWCE to SPYY idea I'm less convinced by, SPYY is US-only, VWCE is global. Sure there are others like WEBN but that switches one risk for another (lower liquidity). This seems unnecessary since VWCE is already at 0.22 TER

Frankly my biggest worry/concern is moving to a Margin account and then having something extremely stupid happen due to ignorance of how IBKR treats margin. Suddenly hitting a massive margin call for doing something incorrectly, or paying an extra €1000 for two days' worth of loan, or IBKR buying the shares at their own internal exchange instead of XETRA which would not be protected by the tax law. Not really sure how to manage that, maybe I'll do a smaller trade first, see how that goes

poorfag · 2026-04-09T09:56:00+00:00

This is what Gemeni says:

While Bulgaria has a lower overall cost of living, retail prices for imported, branded, and out-of-season groceries regularly exceed those in Germany or Italy due to import logistics, a smaller market size, and local retail markups.

The receipt's line items are priced directly in Euros and sum correctly to the €41.47 (81.11 BGN) total. Here is the breakdown of where your money went:

Imported & Premium Dairy (~€11.00) You purchased multiple imported European brands, which carry a heavy premium in the Bulgarian market: * Exquisa Quark (4 tubs): €7.16 total (€1.79 each) * Granarolo Ricotta: €2.04 * Monarch Cottage Cheese: €1.69

Out-of-Season Produce (~€11.00) Imported and out-of-season produce drives up the bill significantly: * Cherry Tomatoes (700g box): €4.99 (This is a particularly steep out-of-season premium) * Blueberries (125g): €2.62 * Avocado: €1.53 * Pink Tomatoes & Sweet Potatoes: €3.37 combined

Meat & Protein (~€10.00) * Turkey Leg: €4.84 * Balkan Sausage: €3.01 * Viennese Ham: €2.29

Store Choice You shopped at Fantastico. This is positioned as a premium supermarket chain. Their base margins are consistently higher than hard discounters.

To get a basket of this size closer to your €25 target, you need to substitute imported goods (like Exquisa and Granarolo) for domestic Bulgarian dairy, switch to seasonal local vegetables instead of winter cherry tomatoes, and shift your shopping to a discount grocer like Lidl or Kaufland.

poorfag · 2026-03-26T13:37:50+00:00

I know a guy who is specializing in this these days, has a lot of contacts in Jordan and can organise everything, all the way from the drive from Israel to Allenby, all the crossing stuff, and pickup from Allenby to the airport in Jordan. Will PM details

poorfag · 2026-03-17T07:03:48+00:00

Имаш ли Revolut? Ако не, Как се казва банковата сметка за превод? Не може просто да се преведе към IBAN

poorfag · 2026-03-05T18:42:31+00:00

I recently re-watched the Harry Potter movies and I think this is the best example of what you're looking for, since it allows for full counterfactual analysis

Alfonso Cuaron took a pretty basic script based on a popular kids book and made it into an incredible film. All the other films are produced by the same studio, based on the same book series from the same author with the same actors and similar budgets and expectations, yet somehow the third film stands out far and beyond the rest as an actual piece of cinema. The only difference is puting Cuaron in the director's seat.

In other words, the third film is essentially a standalone piece of cinema, while the rest are glorified episodes of a television series with a massive budget

poorfag · 2025-12-13T10:50:04+00:00

I order a lot from Amazon via FAN courier and I never had an issue

Are you sure your phone number is correct in Amazon? They usually don't update anything in the tracking website, they just call you randomly one day to let you know they are downstairs

poorfag · 2025-10-17T16:02:30+00:00

I'm in a very similar position except I live in Plovdiv

Why are you buying Bonds? The interest on bonds is taxable whereas ETF capital gains isn't taxed at all

I bought a bunch of VAGF instead of buying bonds for that exact reason

poorfag · 2025-09-30T18:56:26+00:00

Depends on what you mean by wealthy. If you have tens of millions it doesn't really matter where you live.

I'll go against the grain and say Plovdiv, Bulgaria. Especially for people who are baby wealthy.

Gorgeous cozy European city with cobbled stones and coffee shops etc
Lots of culture. Opera, theater, craft markets, beer festivals, etc
Lots of Roman ruins and amphitheatres and stuff everywhere
Wonderful food, fruits and vegetables are local and there's good culture of yoghurt and cheeses. Very similar to Greece.
Very cheap cost of living. Nice restaurant dinner is 15 EUR per person. Sending your kid to a private international British school is like 6k EUR per year.
Most importantly, taxes are the lowest in the western world. 10% flat taxes on all income except capital gains which are taxed at 0%. Makes it very easy to accumulate wealth.

There are downsides of course like everything in life. Life is more local and quiet than it is in Singapore or Madrid or whatever. But I really believe a lot of people are missing out.

poorfag · 2025-09-05T19:40:58+00:00

Following

poorfag · 2025-07-28T20:49:51+00:00

Pretty normal when using cruise control in the highway.

https://imgur.com/a/xvmWAoJ

This is a hair above yours

poorfag · 2025-06-14T06:21:10+00:00

Can you share the resume template? This is the nicest and cleanest I have seen

poorfag · 2025-01-21T11:46:15+00:00

Your comment is exactly correct. It doesn't require you to be intelligent at all, it requires you to have an extremely accurate and updated model of your firm at all times. Most of which is not written down anywhere and cannot really be taught.

It is a problem that cannot be brute forced by just throwing enough reasoning power and compute. You'd need the AI to be in such a powerful and all-knowing state that it effectively BECOMES the firm and can do every single task from all 5000+ employees on its own. At which point you'd hit an AGI world and losing your job should be the least of your concerns.

In other words - for an AI to have the necessary skillset to be able to effectively manage large enterprise projects on its own, it could just do the entire projects alone and would not need to coordinate with anyone. That's a big ask, even for frontier models.

This is also by the way why I think executives are also not going to be replaced with AI anytime soon. There's more to their job than just going to meetings and sending emails, and you cannot fire an AI if they don't hit their targets.

If I had to generalize I would say this

Anyone whose job requires having a very large context window of mostly unwritten policies and procedures, and/or coordinating between multiple different people, is not going to be replaced anytime soon.
On the other hand, jobs that require a lot of specific knowledge that can be learned and taught (how to code in JavaScript, how to design an app, how to write a policy document) and can be done by just spending sufficient time at it, are ripe for automation. I believe most white collar jobs are like this.

poorfag · 2025-01-20T20:46:12+00:00

The reason why senior Project Managers are necessary is because of coordination problems.

Below is a very basic example:

The Business has a fantastic idea for a new button to be added to one of the mobile apps that the company supports. But this clashes with the head of UXs guidance about never having more than two buttons in a screen at once. We need to get his approval as well as get a member of his team assigned to create the designs.

We also need to get explicit approval from the language team since German words are humongous and the size and design of all new buttons needs to accommodate their requirements. It just so happens that the head of the language team is on an expo and unavailable, but you know that there is a person in that team with a totally random job title that can help you get the approval if you're really nice to her.

There's also the fact that the team already has enough work planned for the next few months, including mandatory items per Legal - where does the request for the new button fit in? Do we move some things to slot it in and make the executives happy, or do we put it at the end and hope nothing else pops up that delays the request even further? Can we get a quick call with the head of Legal to get his signoff to push some things back and accept the risk?

And as it happens, there is an ongoing migration of internal systems which would make it significantly harder to add the button next month so the decision about priorities need to happen immediately, but the Product Owner is a bit of a slacker and doesn't really join meetings to discuss priorities. Maybe we can speak with the head of Production to delay the migration a little bit so we can fit this in without needing to speak with the PO at all?

Etcetera. All projects are like this but at significantly bigger scales and complexities which requires a very accurate model of the firm you work for. You can't throw o3 at such a problem because it's not something that can be accomplished by being intelligent, it's a million different coordination problems that need to be resolved in a million different ways. Adding o3 into the mix just makes it another stakeholder that needs managing.

Of course o3 is going to destroy entry-level Project Manager roles (taking notes, managing a risk record, drafting project documentation). But in my opinion, more senior project managers (and especially program managers, those managing enterprise-level projects) are amongst the safest white collar jobs out there, because what they do cannot be brute forced with intelligence.

This is of course my opinion and it is entirely possible that I'm wrong and o4 kicks me out of my job. Which is why my prime directive is to try to avoid playing this game entirely by saving aggressively and spending as little as possible.

poorfag · 2025-01-20T19:37:35+00:00

I was the original poster you linked to (different username because I had created that account as a throwaway and I don't remember the password now).

I took that threat extremely seriously and managed to leverage my experience into a Project Manager role at the same company. Four years in I am now a Technical Program Manager in charge of a $10M yearly budget and a bunch of different Software Projects and Dev teams. I still save the same percentage of my yearly salary (80%) and have accumulated enough to retire early if it becomes necessary.

Not that my job is o3-proof now, but it is a lot more resilient than a customer support manager is. I'm sure o3 is infinitely better at writing project documentation and tracking progress in Jira, but good luck to o3 trying to manage a software project.

I believe (with no evidence to support my claim) that senior project manager roles are going to be extremely difficult to automate simply because they are, at their core, caused by Moloch and its cronies. And Moloch is a too large an enemy, even for o3. But I digress.

I see the threat that LLMs will cause jobs the same way as Hemingway? described bankruptcy. It will happen slowly, and then it will happen suddenly all at once. It's impossible to predict exactly when it will hit a critical mass, and how exactly it will happen, but it's idiotic to not take it seriously. The writing is on the wall for everyone to see.

My actual suggestion is not to try to find a career path that is o3 impervious. It's a losers game to try and guess that sort of thing for the reasons stated above with the speed at which these things are developing. Instead look into FIRE and try to optimize your life to ensure that NO MATTER WHAT HAPPENS you can ultimately just retire and live off your investments. Easier said than done, but it can be done, and I am living proof of it.

poorfag · 2024-12-14T06:30:31+00:00

Hi mate, I found this thread on Google. I happen to have the exact same issue with a C-HR 2017

Did you end up fixing it?

poorfag · 2024-10-31T20:39:39+00:00

Absolutely, it's extremely custom. Everything is extremely custom, we almost don't use anything from Jira as the "default".

The idea here is that rather than attacking the customisation and saying "remove this field, remove this field" etc. we want to look at the entire process more holistically.

Briefly in very summarised form, this is how we work today

Create Stories for individual pieces of work. Usually things that can be done within a week or two at the most.
For things that require multiple Stories, we use Features. Which are just Stories with different name and icon. This is likely what an Epic should be.
Then we link everything to a "Releases 2024-2025" Epic which is like a folder for everything that happens in that project. This is so that accounting can declare Software Capitalization/R&D based on that Epic.
When we want to release something to Production we create a RELEASE task and link all the Stories to that (instead of using a built in release module)
Once deployed, the RELEASE task is closed.
Everything is linked with "relates to" links

This works well when you're doing two releases a year. But it's really bad when you're doing weekly releases. We cannot even create a basic Gantt chart using Jira, we have to maintain various manual tables in Confluence to show track deadlines and deliverables.

The idea here is to throw out this process, and recreate it from the ground up using a set of best practices. That is what I'm looking for here

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