tachibana

6 ms·

1.
by tachibana 2y ago
A no-code tool to create/maintain visual end-to-end UI tests.
2.
by tachibana 5y ago
I took a break when I achieved my FIRE goals. I did all the usual stuff -- worked on personal projects, cleaned up the house, and played an insane amount of tennis and video games. After 6 months, I was so bored out of my mind that I star
3.
by tachibana 6y ago
Digging through my old bank statements: - $500/month for rent and utilities by splitting 1 bedroom apartment with roommate) - $30/month for my cell phone plan - $100-150/month for a car 15-year old beater at the time. Mostly
4.
by tachibana 6y ago
It's a function of percentage income saved, not amount earned. The formula is (income / investment rate / percent income saved). If my investment rate is 4%, I need to save 25 years worth of salary. Saving 50% of my salary
5.
by tachibana 6y ago
The key thing for me was to constantly and continually invest. I'm sure you've heard the saying to "maximize time in market; don't time the market." I buy a mix of bonds and stocks that pay dividends. I'll s
6.
by tachibana 6y ago
I reached 100% income replacement for myself in my late 20s. Then I got married and had kids. My spouse and I reached 100% income replacement in our mid-30s. Glad to see a fellow practitioner. Best wishes on your journey!
7.
by tachibana 6y ago
You give me too much credit -- it's a really boring approach. My portfolio used to be about 50/50 in fixed income securities and real estate. I got lucky with the real estate, and I got out because I didn't think my luck wou
8.
by tachibana 6y ago
I am a serious practitioner of the FIRE (Financially Independent, Retire Early) philosophy. Over the years, I have accumulated assets in a very conservative portfolio. This portfolio has reached a point where it has consistently generated
9.
by tachibana 6y ago
The central tenet of my career was focused on budgeting and building a portfolio that can generate post-tax cash flow to enhance my lifestyle. My portfolio consists of dividend paying stocks and all sorts of bonds. I know I missed out on
10.
by tachibana 8y ago
A self-managed portfolio consisting of various government bonds. Ever since I started working, I have been saving >30% of my annual income every year. Not accounting for the income from the portfolio or for raises since, this means th
11.
by tachibana 9y ago
Step 1: Save diligently (>30% of pre-tax salary) Step 2: Invest in very conservative investments that throw off free cash (I personally like fixed income like US treasuries and municipal bonds). The operative word is "conservativ
12.
by tachibana 10y ago
I follow a similar strategy but with fixed income, so my yields aren't as impressive: https://news.ycombinator.com/item?id=12416278
13.
by tachibana 10y ago
My cost of living is about the same as the typical family with kids attending good public schools along the SF Bay Area peninsula, but the approach should be repeatable in most places. My expenses over the years has stabilized at less than
14.
by tachibana 10y ago
Mostly fixed income securities and fixed income-like assets (like real estate, asset-backed loans, etc.). $10,000 invested at 4% brings in a little more than $1/day. Yes, the market value of the securities and assets may fluctuate day
15.
by tachibana 10y ago
Diligent savings over many years combined with low-risk investments. The stable income it generates now covers all living expenses for my family. I'm still part of the 9-5 crowd by choice while I search for my next calling in life.
16.
by tachibana 13y ago
Agreed. I've also found that the longer you are away from school, the harder it is to go back for a variety of reasons (motivation, money, family, etc.). I guess in a world where there are statistically millions of people like me (C&#
17.
by tachibana 13y ago
Kudos on the great rate of return! I tell everybody around me it's surprisingly easy to become financially independent. By saving s% of my income investing with a rate of return is i%, then the worst case is that I should be able to c
18.
by tachibana 13y ago
I am a data point for the worst-case example. I don't have a hot application or a popular website, and most of my money is earned the old-fashioned way. My passive income from my investments in government bonds is enough to cover mort
19.
by tachibana 14y ago
From my accounting background, some common ratios I use: 1) acid ratio (liquid assets / short term liabilities) 2) gross operating margin 3) net operating profit margin 4) return on capital/equity 5) return on balance sheet assets I also co
20.
by tachibana 14y ago
Sorry, no hard numbers for privacy reasons. The basic living needs of my family (food, clothing, mortgage, utilities, cars, etc.) has been covered by my investment portfolio for several years by now. Any additional income goes straight tow
21.
by tachibana 16y ago
Quick SEC disclaimer... I'm not an investment professional; I'm just sharing my personal experience. "Default" doesn't always mean that the principal won't get paid back. In almost all cases, it means that timely interest payments won't be
22.
by tachibana 16y ago
Quick disclaimer: I am not a tax professional; please always consult your own professional help. I don't want to sound like I'm lying, so I'll provide a very benign example of the "common, legal, and IRS sanctioned" income streams, Let's s
23.
by tachibana 16y ago
Quick SEC disclaimer... I'm not an investment professional; I'm just sharing my personal experience. It depends. Munis come in all flavors and sizes; the best ones IMHO are state-level "general obligation" (i.e. backed by state taxpayers)
24.
by tachibana 16y ago
I've worked as a professional real estate manager for 15+ years, mostly in California but with also in a couple of places The expected cap rate (annual rent / purchase price) in on both the East Coast and West Coast is roughly 5-7%. In pla
25.
by tachibana 16y ago
Warren Buffet's rules of investing: 1) Never lose money. 2) See rule #1. I use municipal bonds to immunize my expenses ( http://en.wikipedia.org/wiki/Immunization_%28finance%29 ). Municipal bonds (affectionately called "munis") are not sub
26.
by tachibana 16y ago
One thing to be careful of is the liability protection of the pass-through entity, and this will be different for each state. While on paper, corporations provide limited liability, there is a lot of prior cases that show that the corporat
27.
by tachibana 16y ago
Agreed; the teacher and the students in the dojo are much more important than style. The things I would look for would be: - a relentless focus on safety - something you enjoy (weapons vs striking vs grappling, etc.) - instructor who commun
28.
by tachibana 16y ago
Personally: time with family. Professional: trying to write an HA/clustered "Hello World" app. The knowledge of the deployment and operational aspects has served me well in my software career. Financial: actively managing my own real estat
29.
by tachibana 17y ago
I'm working on an e-learning platform for low-income students in the United States.
30.
by tachibana 17y ago
I'm a native speaker/writer of both Japanese and Mandarin Chinese. Let me know if I can help!

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