dbjacobs

9 ms·

31.
by dbjacobs 6y ago
FYI, the oft-quoted 4% figure was derived using a 30 year retirement time horizon [1]. Using longer time horizons will lower that number. [1] - https://financiallyfinanced.com/posts/will-bengen
32.
by dbjacobs 6y ago
If you took this to the extreme and added glyphs and rules for for each letter combination (e.g., aa, ab, ac, ad ...), that would probably get you something that looked pretty natural for text that didn't have repeated words too close
33.
by dbjacobs 6y ago
Actually the CARES Act states loan forgiveness is not taxable (Act §1106(i)) [1], but also prevents businesses from then taking a deduction for expenses paid with the money (so no double benefit). [1] - https://www.congress.gov&#
34.
by dbjacobs 7y ago
This is a great example of a union doing its job. Why should the TAs be the ones to get less when there is a budget problem. Why not hit the president's salary for the shortfall or any of the other many line items on the budget. We con
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by dbjacobs 7y ago
I think its clear that Harvard's selection process is more about predicting (and admitting) those who will be successful than those who are most deserving (by some definition of deserving). This is how they increase their brand's
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by dbjacobs 7y ago
With a couple able to transfer over $22 mil without estate taxes. Not many people have that issue as the driving factor.
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by dbjacobs 8y ago
There are two different issues we don't want to conflate. Encrypted traffic is a problem because once you allow it, there is no way to police abuse of the spectrum (in the same way you can tunnel almost anything over ssh). If you allow
38.
by dbjacobs 8y ago
If you are going to look at participation rates, I find its best to look at the age, gender and race breakdowns to understand which changes are cyclical and which ones are driven more by demographics and cultural changes. https:/&#x2F
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by dbjacobs 8y ago
By that logic, China which pays tariffs on some goods it sells in the US should be able to vote in US elections? I'm not saying there aren't issues, but it is not anywhere close to a black and white one.
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by dbjacobs 8y ago
The good news, is that so far most states seem to be modeling their legislation after South Dakotas so hopefully there won't be a ton of rule variation. The filing requirement is the real kicker. Until small business software like Quic
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by dbjacobs 8y ago
"Culture fit" is just too vague and only provides cover for discrimination. Internal discussions/documents should give the detailed reasons (is a jerk, not on time, not a rule follower, etc). If the people/company are un
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by dbjacobs 9y ago
To be more precise. Among elderly Social Security beneficiaries, 23% of married couples and about 43% of unmarried persons rely on Social Security for 90% or more of their income [1]. [1] - https://www.ssa.gov/news/pre
43.
by dbjacobs 9y ago
If you are generating 5kw and using 4kw only 1kw gets sent to the grid. So you are not selling those 4kw at wholesale prices and buying it back at retail. Only the power that is time shifted gets this treatment. You are free to buy batterie
44.
by dbjacobs 9y ago
At the market level, stock returns only come from 4 things: dividend yield, real earnings growth, inflation, P/E expansion/contraction. Looking at 10yr+ returns, the dividends and real earnings growth are likely to be relatively s
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by dbjacobs 9y ago
"Discrimination to reach equal representation is unfair, divisive, and bad for business." -- is asserted as an absolute but never substantiated and was his downfall I believe. If he had instead said that Google should focus on add
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by dbjacobs 9y ago
If you do something like 3 ten hour days, that makes it much less likely that you will drift into working more than you signed up for. Ten hour days are already longer than the standard 8 (so less social pressure from leaving early or arriv
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by dbjacobs 9y ago
This ignores just how skewed towards the rich stock ownership is. The liquidation of stocks owned by the middle class will not move the needles much. And the very rich don't need to liquidate their stocks to maintain their lifestyle.
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by dbjacobs 9y ago
Hawaii definitely needs an exemption from the Jones act. It is crazy that goods from Asia to Hawaii go through California because if the non US flagged ship stops in Hawaii, it can't continue to California. As stated, statehood would n
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by dbjacobs 10y ago
This. I started my company post 35. It was much easier with less business risk because of all the experience I had accumulated by that point. But there was more personal risk because my kids and spouse were all dependent on my income.
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by dbjacobs 10y ago
The $5K is NOT inflation adjusted. The 4% rule assumes inflation adjustment. So you are not comparing the same thing. Today, immediateannuities.com is quoting around $5300 for 65yr old woman and $5665 for a 65yr old man for a $1 mil purchas
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by dbjacobs 10y ago
Hawaii funds all of its public schools at the state level (i.e., not through property tax). And there are still differences between the more affluent and poorer neighborhoods. More affluent neighborhoods can fundraise more effectively and t
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by dbjacobs 10y ago
Here is my IANAL understanding. If multiple people own a property all it takes is one person who wants to sell and they can force a partition sale. So my guess is Zuckerberg is using the quiet title suit to get the names of all the players.
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by dbjacobs 10y ago
Was a programmer and researcher in AI and security for 20 years. 15 years ago was feeling burned out and started looking for a financial planner for my family. I fell down the rabbit hole learning everything about the field and with the bir
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by dbjacobs 10y ago
Many people seem to be saying don't get married because divorce is horrible. I believe that is the wrong focus. The horribleness comes from cleaving a long term relationship where your lives have become intertwined regardless of marita
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by dbjacobs 10y ago
Given "uses absolute income thresholds adjusted for inflation", the result is not surprising. You would expect this result as long as you had real GDP growth (i.e., growth above inflation). What this doesn't tell you is what
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by dbjacobs 11y ago
Just to add some fact. According to Yale's financial statement [1], their operating expenses in 2015 was around $3.2 billion. So tuition doesn't come close to covering their operating costs. And it looks like they typically spend
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by dbjacobs 11y ago
Agreed. 57% are women caretakers [1]. So while it is a majority. I would not label it a purely women's issue. [1] http://www.bls.gov/news.release/elcare.nr0.htm
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by dbjacobs 12y ago
For Chrome look at Tab Wrangler, it does this for you.
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by dbjacobs 15y ago
Bill payment through your bank will not incur this charge.
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by dbjacobs 15y ago
If they were charging for ACH payments I could understand the outrage. But passing through some of the credit card fees they pay hardly seems to be a capital offense. The only reason you don't see lots of companies passing through the cos

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