baccredited

Steps:

  1. Fire all the old programmers
  2. Make them train their cheap H-1B visa replacements
  3. Open source some code
  4. Have a magical day!

http://www.nytimes.com/2015/06/04/us/last-task-after-layoff-...

Corrections are welcome

This is how a couple of university endowment funds do investing:

 	                Harvard	Yale
  Domestic Equity	15%	14% 
  Foreign Equity	15%	14% 
  Private Equity	13%	17% 
  Fixed Income (bonds)	27%	5%
  Real Assets	        23%	25% 
  hedge funds	        12%	25%

If I had a winning strategy why would I feed it to Numerai instead of instavest.com?

I like etrade and tdbank. Don't use anyone on this list: https://projects.propublica.org/bailout/list

Please please please do this. I have invested in over 100 YC companies but my only way to do so has been FundersClub, Angel.co, and WeFunder. I love those guys but I would rather invest directly through YC. I am giving 20% to them for no good reason (other than access).

Half a question, so I'll provide half an answer. $93,917 for 2015. But it ain't "trading" it is "holding".

https://news.ycombinator.com/item?id=10880869

Another favorite is so minimalist it fits in a tweet!

Google: 90% of our engineers use the software you wrote (Homebrew), but you can’t invert a binary tree on a whiteboard so fuck off. https://twitter.com/mxcl/status/608682016205344768?lang=en

https://www.beermenus.com/ seems to have growing traction. I'm a happy user. Cool email alerts features.

I wish they had an API. I tried to build something on top of Untappd but kept hitting rate limits (note to Untappd: charge me)

Ford paid more than $65 million for shuttle-van startup Chariot

http://www.businessinsider.com/ford-buys-chariot-65-million2...

Maximize savings in tax deferred accounts (401ks, IRAs, etc)

OUCH. I invested in YC W15 companies (thirteen of them) through FundersClub but they missed this one.

Dear YC - please allow me to invest in the whole class, like you did for Michael Bloomberg!

Watch a VC use my name to sell a con. https://www.jwz.org/blog/2011/11/watch-a-vc-use-my-name-to-s...

Getting Rich: from Zero to Hero in One Blog Post http://www.mrmoneymustache.com/2013/02/22/getting-rich-from-...

Best tip I have is to buy an actual hourglass that measures 30 minutes. There is something about actually flipping a physical thing over that puts me in a work mode. Even if I get just a couple of sessions in during a day I find that overall I accomplish more.

An unexpected benefit is sometimes I don't need to start a session. I can catch a glimpse of the hourglass out of the corner of my eye and immediately enter a productive zone.

FYI - You can already buy this sector with the Vanguard REIT ETF (VNQ)

Two tickers are all you need. Put 90% in VOO (S&P 500 index fund) and 10% in BND. Rebalance once a year and keep adding every dollar you can spare. This is what Warren Buffet advises should be done with his money after he dies.

Here is a good blog: http://www.mrmoneymustache.com/

He actually puts his money in betterment.com which is another strategy that works.

If you are locked up for 6 months and this is a life changing amount of money I highly recommend shorting the stock to lock in gains.

I bought Authy in a late round, then they were acquired by Twilio, then Twilio went public, then the structure I invested in sold the stock and I already received proceeds from sale of those shares.

So for you I would be asking: where is my money?

5 yrs 11 months. You?

Fun fact: Save 70% of your income and use it to buy ticker VOO (Vanguard's S&P 500 fund) and you can retire in under 10 years

http://www.mrmoneymustache.com/2012/01/13/the-shockingly-sim...

probably May 2014 when I plugged my spending and net worth numbers into https://lab.madfientist.com/ and it came back with: 9 yrs until FI

I had always been a guy who spends less than he makes but that kicked my ass into gear.

Saving for FI (Financial Independence)

If I save at my current rate I will achieve FI in 2022. If I had started saving aggressively sooner I would already be FI (I'm in my mid forties). I hate answering to other people and would rather work on my own stuff. FI will get me there.

Read the book The Simple Path to Wealth to understand the process. Or this blog post is a good start: http://www.mrmoneymustache.com/2013/02/22/getting-rich-from-...

Another great resource (read the sidebar and FAQ on the right) https://www.reddit.com/r/financialindependence/

Don't accept any advice from your company (I have been personally burned). Pay a pro to answer this question.

>Is it practical to start a 1-person Micro ISV these days?

I don't think so. I've launched a few 1-person SaaS companies in the past, and some were popular (but not profitable). I've settled on earning a salary and investing as much of that salary as possible.

I still get the urge to build stuff, and I still do, but I now look at it as a hobby.

Maybe your firefox add-on stopped working? That just happened to me in the last week or so. I used NoSquint and have now moved to Zoom Page: https://addons.mozilla.org/en-US/firefox/addon/zoom-page/

This has everything you need: http://www.mrmoneymustache.com/2013/02/22/getting-rich-from-...

I personally ignore most of MMM's frugal lifestyle stuff and focus on the saving 25x your annual spending part.

I highly recommend the book Your Money or Your Life as well. You don't need 250K/yr (unless you are using the surplus to achieve financial independence).

http://www.amazon.com/Your-Money-Life-Transforming-Relations...

nuzzel.com consistently surfaces good stuff I don't see elsewhere. Format is a daily email.

Takes some work to set up if you aren't already following twitter folks who share your interests.

Save 2k a month and you can do it in 21 years. I'm saving more like 5.5K/mo now.

This is a great read: http://www.mrmoneymustache.com/2012/01/13/the-shockingly-sim...

I bought my first stocks in 1993. Stick with it and you can easily beat me!