bsims

18 ms·

61.
by bsims 14y ago
This stock/bond chart blew my mind. The bigger question is how long high bond rates will last? http://www.businessinsider.com/t-rowe-price-us-equity-outloo...
62.
by bsims 14y ago
You are correct. I didn't realize PMF was such a consistent dividend that far back. On top of the 6% average, it is also tax free since it is Municipal so true return could get up to 8ish which is pretty incredible considering the last 10 y
63.
by bsims 14y ago
If you do any freelance work or own your own business you could do an Independent 401k which lets you stuff more money away than a normal 401k. Good idea for some of the freelancers on HN. http://www.investopedia.com/terms/i/independent_40
64.
by bsims 14y ago
Thanks for sharing a specific example. Could be an interesting investment. At the same time, you have to weigh out the other risks such as Mass. being one of the most in debt states in the country. http://www.usgovernmentspending.com/state
65.
by bsims 14y ago
It is hard to tell if this is a serious or sarcastic response. If you think Muni Bonds will stay at 6% for a lifetime, you're misinformed. 1) Government owned consumer debt is up nearly 5x in 5 years 2) Lately Muni Bonds have been swingin
66.
Credit Agencies Letting A Computer Sort 85% Of Disputes(businessinsider.com)
1 points by bsims 14y ago|0 comments
67.
by bsims 14y ago
Link isn't working.
68.
by bsims 14y ago
It is worth reading PG's email from 5 months back about his vision of what the fund raising environment might look like. http://www.businessinsider.com/facebook-fallout-y-combinator...
69.
by bsims 14y ago
Can I use this quote? Working on a company built around supplementing credit information to solve this problem. Would be curious to hear an international perspective on this.
70.
by bsims 14y ago
Good to know, didn't know larger companies could manually update the count.
71.
by bsims 14y ago
It is important to take some of the LinkedIn employee counts with a grain of salt. Often times it clusters companies into different categories of sizes (i.e. 1-9 employees, 10-50 employees) so an 11 person company could appear larger than i
72.
Jury-rigged mobile office can’t keep driver from being caught speeding(autos.yahoo.com)
2 points by bsims 14y ago|0 comments
73.
Google Trends: "Hacker News"(google.com)
1 points by bsims 14y ago|0 comments
74.
by bsims 14y ago
You could go donate plasma. http://www.ehow.com/how_2195131_earn-month-donating-plasma.h...
75.
by bsims 14y ago
Style points if you bring a laptop and work on a project while waiting in line to sell your spot.
76.
by bsims 14y ago
I recently moved to California and was surprised to find that HSA were not deductible here, although federally it is considered a deduction. Wouldn't be the first time California as bucked Federal rules though. =) http://www.benefitscafe.c
77.
Ask HN: What are your favorite prototyping tools?
2 points by bsims 14y ago|1 comments
78.
by bsims 14y ago
Everyone commenting on this thread should read Founder's Dilemma to at least give some statistical information about success rates of founding teams. http://www.amazon.com/Founders-Dilemmas-Anticipating-Foundat... Regardless of one's opin
79.
by bsims 14y ago
A bit belated, but thanks for the answer!
80.
How the SEC Almost Shut Down Wall Street (video/article)(finance.yahoo.com)
1 points by bsims 14y ago|0 comments
81.
Navy SEALs busted for giving secrets to make video game more real(security.blogs.cnn.com)
1 points by bsims 14y ago|0 comments
82.
by bsims 14y ago
If I were YC, I'd probably turn down most applicants the first time anyway and then wait and see who re-applies and see how much they've done since the first application. It's like interviewing someone and waiting to see if they follow-up.
83.
by bsims 14y ago
You should also be careful about what you post online relative to this case as what you write could potentially be used against you in a case. I.e. search your company name>your company name is your HN username>this post could be ad
84.
by bsims 14y ago
Is this a course you have to be enrolled at the University to take full time or is it possible to take these as a single course?
85.
NJ High School Students Launch Crowdsourced Map of Open Gas Stations(huffingtonpost.com)
2 points by bsims 14y ago|0 comments
86.
by bsims 14y ago
Credit histories go as far back as 7 years, so in terms of 3 and 6 months, it is a relatively short time. This is also why it is a challenge for many young adults to receive fair credit scores. Also, you should at least be charging one thin
87.
by bsims 14y ago
Ray Kroc got his start with McDonald's at the age of 52. Never too old to think new. http://franchises.about.com/od/mostpopularfranchises/a/ray-k...
88.
by bsims 14y ago
I'm working on a credit scoring related project and would be curious if you know what your credit score is? Any chance you'd be willing to post scores from CreditKarma.com and Creditsesame.com? I'm curious to see if this strategy is sustain
89.
by bsims 14y ago
Thanks for sharing this. I found these comments very helpful. A few thoughts from what I learned at my first company, and from someone possibly a bit more revenue minded. -First, I recommend doing some personal strength tests such as the Ga
90.
by bsims 14y ago
It is fairly common to have vesting schedules as someone earns equity of usually 3 to 4 years. So if for example you were giving up 10% total on a 4 year vesting schedule, each year would earn 2.5% of the 10%. Some of these can also be met

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