baccredited

11 ms·

61.
by baccredited 8y ago
Yeah I made 21.4% in 2017. I wrote my own algorithms and did back-testing with custom ruby code and data from ycharts.com ($) and brokerage.tradier.com (free if you have an account). Ruby is a weird choice in this area as most probably use
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by baccredited 9y ago
I intend to give most of it to watsi.org to keep others out of coffins.
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by baccredited 9y ago
Sorry - if you sign up this site will allow you to input your monthly savings, spending, and net worth. Then it will estimate the amount of time before you achieve Financial Independence. It is free. I'm a big fan. https://l
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by baccredited 9y ago
Haha - family of 4. Expensive travel hobbies. Too much house. "Fatfire" https://www.physicianonfire.com/fatfire/
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by baccredited 9y ago
5.6MM based on spending 18,668/mo = 224K/yr 25 x 224k = 5.6MM assumptions: - withdraw 4% per yr - earn avg 7%+ per yr - inflation 3% Money will last forever and I will die with bigger balance than day I retire.
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by baccredited 9y ago
Hello - fellow software engineer who dabbles in quantitative investing here. I would start with episode 1 of Meb Faber's podcast: http://mebfaber.com/podcast/ And listen to all the episodes. Take your time, it too
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by baccredited 9y ago
>What should I watch for if I want to go down this path? Watch out for age discrimination. The best way to fight it is to start saving immediately for financial independence if you haven't already. Once you have F.U. money you can w
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by baccredited 9y ago
Agree with this. Even just reading the first 50 pages or so will likely make you much better at your job.
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by baccredited 9y ago
'The first thing you need to know about Goldman Sachs is that it's everywhere. The world's most powerful investment bank is a great vampire squid wrapped around the face of humanity, relentlessly jamming its blood funnel into
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by baccredited 9y ago
cat .vimrc set background=dark
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by baccredited 9y ago
Once a month look at year-over-year total returns for VOO, VXUS, and BIL keep 100% of your portfolio in one of 3 funds: VXUS, VOO, BND use chrome, not firefox which is broken http://stockcharts.com/freecharts/perf.php?V
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by baccredited 9y ago
GEM - a dual momentum trading strategy that requires a couple of minutes work each month and almost never makes a trade. Highly recommend the book. https://www.optimalmomentum.com/gem_trackrecord.html
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by baccredited 9y ago
Check out backroads.com and their trip itineraries. If you can afford backroads try them out (they are great). If you can't afford them, piece together your own trip with cheaper lodging and self-booked activities.
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by baccredited 9y ago
Find a way to overlay an ERC20 type system on top of a zero fee coin like XRB, IOTA, or other. Not what you asked for but I'd love to see it!
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by baccredited 9y ago
https://www.peerstreet.com/ Short term loans backed by real estate. Should get you 7 to 10% per year. Started by ex-google guys. I have about 100K with peerstreet and it is performing well. They have never had a default. Po
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by baccredited 9y ago
Agree with you on the frugality bit. Take a look at fatFIRE, a community of people who save aggressively to retire early but still enjoy a relatively lavish lifestyle after retirement. https://www.reddit.com/r/fatFIRE&#
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by baccredited 9y ago
Raiblocks and IOTA--and their forthcoming competition. Transaction fees stifle innovation. If someone could piggy back an ERC20 type system on top of a zero fee coin we would see an explosion of cool tech. I have things in my ideas.txt file
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by baccredited 9y ago
If you don't track your personal spending, start now. Your life is a little business. If you save 25x your annual spending and invest it properly, you can declare financial independence, withdraw 4% a year, and live off your investment
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Ask HN: Download Hacker News user list
2 points by baccredited 9y ago|1 comments
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by baccredited 9y ago
I think Estonia will pull this off and it will be useful. Take a look at their success with e-voting, for example. Is any other country even close to these numbers? 'In the 2015 parliamentary elections, 176,491 people, 30.5% of all par
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by baccredited 9y ago
The trust part breaks this I think. Would like to see a UBI that is distributed to Estonia e-citizens, Fummi, or similar. Something where a real live person is validated once and only once in person. Fummi is at https://blockchai
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by baccredited 9y ago
SALT is one of the few projects about to launch an actual service. Now trading on exchanges under $8. The token will cost $25 on the website when saltlending.com launches. My target is $15 within 6 months.
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by baccredited 9y ago
Born a Crime by Trevor Noah. Highest possible recommendation. Everyone I've urged to read it has loved it.
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by baccredited 9y ago
Agree this is great, should be required reading for anyone who wants to hit Financial Independence. Natural fit for HN readers.
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by baccredited 9y ago
I'd buy SALT tokens https://bittrex.com/Market/Index?MarketName=BTC-SALT
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by baccredited 9y ago
I'd love to invest $10,000 and have $500 automatically invested in a bucket of 20 properties all at one time. Doesn't seem possible today but if you offered, I would invest today.
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by baccredited 9y ago
Better returns. VGSIX is yielding 3.8% for example. At that level of return I'm better off paying off my mortgage.
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by baccredited 9y ago
Hi - heard your boss on Meb's podcast. It was a good show! Any plans to allow an investor to hit a bucket of, say, 10 or more properties at once? At present I am not able to buy enough different houses on your platform to hit an accept
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by baccredited 9y ago
Tell you what. Next time the market is down over 20% I'll tweet how much my fundrise and realtymogul quarterly distributions have gone down. @baccredited
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by baccredited 9y ago
>Hang on. Are you claiming the real estate market's collapse wouldn't have affected stuff like Realtyshares? How so? Some impact sure, but let's take an average Fundrise investment. They buy an apartment complex for $20 mi

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