Posts made by Mario Jakovina

@Dashrender Do they say they want to print from their phones?
If not, why do they want to be on corporate wifi?

@Pete-S said in Mikrotik software firewall/router?:

@dmacf10 said in Mikrotik software firewall/router?:

@Pete-S I use the RB2011, RB3011 primarily for routing and I use the Cloudswitch PoE switches for switching.

Thanks, I will for sure check them out.

I recommend RB4011 (new generation, faster then RB2011 or RB3011)

@Mario-Jakovina And there are more and more people on Earth...

@scottalanmiller said in Is Real Estate Actually a Good Investment on Average?:

@Mario-Jakovina said in Is Real Estate Actually a Good Investment on Average?:

P.S. I bet you will be able to sell it for $463K in 2041. - at least because of inflation.

That's very likely true. But given the current state of real estate, the risk that it isn't true is reasonably high. Rampant inflation tends to favor real estate investing with mortgages because mortgages offer a hedge against high inflation. That's very true. But if inflation stays low for 19 years, and the real estate market corrects or worse, over-corrects, it's really easy to see a real loss on the property. Almost expected given the trends.

I aggree mostly. I do not like investing in real estate.
But I am watching rise of prices in last 40 years, and I can't say that people are stupid to buy a house/apartment.
In many countries, it shows like a good investment.

@scottalanmiller said in Is Real Estate Actually a Good Investment on Average?:

No, houses are truly both. Because they carry costs whether or not their are used as an asset. They are like a loan in some cases. You have to pay to hold them.

No, houses are assets.
You are talking about costs related to owning a house over a period of time. And that costs are related to specific countries, types of houses...
You can own a house in my country without any significant costs, and these costs, are small fraction of price of rent.

@JaredBusch OK, but the wrong is to say it is in 2016 dollars - it is more accurate to say it is in "ca 2030 dollars". And that is a BIG difference.

@scottalanmiller said in Is Real Estate Actually a Good Investment on Average?:

Only sort of. Everything is an asset and a liability at some point. But houses are far more of a liability than most things. They are truly either depending on the circumstances.

If we want to be precise in finance (like you are when you talk about IT) - Nothing can be "asset and liability at some point".
Some things are assets (money, real estate, investments), and some other thing are liabilities (loans, account receivables....)

@Obsolesce I can send you links that say that Earth is flat.

I have read "Rich Dad.. Poor Dad" book, and it is a good read, but the claim that "house is not asset" is exaggeration to explain his points.

Here is one normal link:
https://en.wikipedia.org/wiki/Asset
(look at Tangible assets, or CTRL+F "real esate")

P.S. I am proffessional financial manager, so I am well educated about these topics

@JaredBusch said in Is Real Estate Actually a Good Investment on Average?:

So now I need to sell this house in 2041 for $463,000 (in 2016 dollars) just to break even.

1. Again - it is not "in 2016 dollars", because you have not paid all $463K in 2016.
2. And if you do sell it in 2041. for $463K - that will mean that you have almost used it "rent free" for 25 years (not exactly, but I hope you understand what I mean)

P.S. I bet you will be able to sell it for $463K in 2041. - at least because of inflation.

@JaredBusch said in Is Real Estate Actually a Good Investment on Average?:

That means for my house to be a value as an investment, assuming I have zero other house only expenses (aka expenses that I would not also have as a renter), I would need to sell my house for $228,000 + $115,000 = $343,000 in 2016 adjusted dollars just to break even on my investment.

This calculation is wrong in many aspects, and here are few big ones:

1. You have not deducted cost of renting that house from you cash flow calculation (because if you haven't bought it, you would need to rent it if you wan't the same living standard)
2. You can't say "$343K in 2016 adjusted dollars", because your payments are not in 2016., but accross 20+ years.

@Obsolesce If you are a company, when you buy a real estate, you book it in your assets (always, and in full price).
If you bought it with a loan (mortgage), you book a value of loan in your liabilities. As you repay your loan, your liability decreases.

@Obsolesce House is definitely an asset.
The most typicall form of asset.

(Look at any balance sheet, and real estate is always in assets, where else would it be?)

Mortgage is liability.

@scottalanmiller said in Is Real Estate Actually a Good Investment on Average?:

That means that when compared against income inflation, housing has gone down.

There is no term "income inflation" in economics.
What is more important here, wages do not rise just because of inflation. They also rise because of general growth in productivity.
That is why wages rise faster then inflation, both in the graph above, and generaly in all countries where economies progress over time.

So housing has not "gone down", it rose faster then inflation.
Also, as I mentioned in my previous post, you need to add other component of income (rise in market prices) to calculate total ROI from investment in real estate.

@scottalanmiller said in Is Real Estate Actually a Good Investment on Average?:

We "see" house prices go up differently than we see wages go up and it feels like houses make money in a way that they don't actually.

Nice chart.
But the above conclusion is wrong because the chart does not show how much you earn from investing in houses.

When you invest in house you earn from renting it and from increase of market price (or you lose from decrease). You need to add both of these incomes to calculate total return on investment (ROI).

The chart above tells us only about rise of prices of one factor (I assume of renting a house).

This source (and others) says that prices of houses in US have risen more then 100% percent in 20 years, so it is much faster then inflation:
https://www.globalpropertyguide.com/North-America/United-States/Price-History

@Pete-S Any Windows 10 licence will technically work in VM, from my experience.

But you need special licences to run W10 in VM if you want to respect MS licensing (W10 Pro or W10 Home license does not give you right to run in VM)

Old Windows 7 licenses were eligible to be run in VM.

Here is description of Win10 virtualization licenses:
https://download.microsoft.com/download/9/8/d/98d6a56c-4d79-40f4-8462-da3ecba2dc2c/licensing_windows_desktop_os_for_virtual_machines.pdf

@Mr-Jones said in Unable to send emails to Gmail from my domain:

Seems like a good time to try convincing the boss we should move our emails to O365. I know he'll say no, but this is ammo for sure.

I don't think that email only justify cost of O365.
I have excellent mail experience with different web hosting providers that provide email service included for a fraction of price of O365.

For example, Hetzner offers 300GB space with unlimited mail accounts for 17 EUR / cca. 20 USD a month.
(I have not used Hetzner's mail services but I have very good experinece with them in cloud/bare metal services)

I mean - you would not convince me to buy O365 with this argument

@scottalanmiller said in ONLYOFFICE has released ONLYOFFICE Docs version 7.1.:

@travisdh1 said in ONLYOFFICE has released ONLYOFFICE Docs version 7.1.:

@scottalanmiller said in ONLYOFFICE has released ONLYOFFICE Docs version 7.1.:

@syko24 said in ONLYOFFICE has released ONLYOFFICE Docs version 7.1.:

OnlyOffice is a pretty nice alternative to MS Office. If they had an email client that would definitely be a huge plus for their product.

An email client? When would that be useful? All business email products have their own clients when needed and use web interfaces for most things (including offline handling.) Generally email clients as standalone things aren't considered a good thing (think the disaster that is Outlook.) I think no one offers one because no one should want it.
What are you looking to do with an email client? What's the use case?
I know lots of people still use Outlook because users are addicted to it. But if you are going to leave Outlook, you'd not move them to another fat client, but to the modern interfaces everyone offers.

Outlook is so much better when using the PWA version, even with it you should be getting rid of the fat client!

Not for someone who has multiple email addresses. Having to constantly click back and forth to change the user account is not ideal.

Don't have that problem with my web client. That functionality is built in.

I use Thunderbird becuase I have few email accounts, and I do not like a single web client I use(d). I do not like Gmail nor online Outlook.
I did not even knew that they support multiple accounts.
Can you name some web clients that you like, and that support multiple accounts?

(btw - I hate emails as a communication tool)

@IRJ I agree with Scott. He was not describing object storage. He was describing approach when you try to keep all business data in applications, and avoid keeping business data and records in files (e.g. using excel files to store informations).

@scottalanmiller Problem with "your approach" is that you can do that with business data, but we still have problem where to keep business documents (e.g. scans of paper documents or original electronic documents like signed electronic invoices...).

That is where "object storage" takes its place as a better solution then keeping business documents as files in file system.

@gjacobse said in Does this speak to you?:

They posted his position to several job boards and I got notification this evening.

Have you received notification from job boards or from the management of the company you work for?

@fs483 I think Scott's suggestion to keep all permissions at top level folders is probably best practice.