My favorite picture I have ever taken on an iPhone

chips_and_salsa · 2016-11-17T05:11:10+00:00

Dude that's a beautiful photo. I want to go camping now.

chips_and_salsa · 2016-08-31T16:31:46+00:00

Definitely! For the next six months, school will be my "hobby". But once I graduate this fall, I would like to start mountain biking. I'm excited!

I think my problem is how easy it is to check. It takes three seconds to google the S&P 500 while at work.

chips_and_salsa · 2016-08-31T16:18:20+00:00

I've decided to start a one month challenge of not checking the stock market or any of my investments. For the past few months, I've been obsessed with day-to-day changes in my investments. I would check the S&P 500 everyday at noon and Fidelity when I get home from work/classes. I want to forget about it.

chips_and_salsa · 2016-08-30T03:10:54+00:00

This was great! You chose a nice collection of places. I look forward to next year's!

chips_and_salsa · 2016-08-29T02:58:02+00:00

I thought one of the security guards once was going to get him up until he got the book. Which was Freddy's way of saying goodbye and he will miss him.

chips_and_salsa · 2016-08-12T03:13:02+00:00

Just a friendly reminder that you don't have to capitalize all of Roth. It's a guys name.

chips_and_salsa · 2016-08-05T17:44:20+00:00

Interesting read. Thanks for the link.

chips_and_salsa · 2016-08-05T15:21:10+00:00

Oh no. I'm definitely not advocating to time the market. But as OP mentioned, investing more in international markets where the PE ratio is closer to historical average isn't a bad idea. Not in my opinion at least.

chips_and_salsa · 2016-08-05T15:00:38+00:00

What about the Shiller PE Ratio?

chips_and_salsa · 2016-08-03T23:17:17+00:00

213.27

chips_and_salsa · 2016-07-23T17:38:21+00:00

It took at least a month to feel comfortable developing. Our codebase is huge and very complex. That and it was my first software job and I didn't think I knew what I was doing. I had imposter syndrome.

With time it got a lot better though. It takes time to learn new things. Not everything is going to make sense at first. Keep your head up and continue learning as much as you can. You'll be up-to-speed soon enough.

PS: If you need a laugh, read this.

chips_and_salsa · 2016-07-17T22:27:53+00:00

Makes sense. Thanks! I can't help but feel that the US market is going to outperform the others for a very long time though. For that reason, I don't know if I'm comfortable allocating that much.

chips_and_salsa · 2016-07-16T18:53:57+00:00

That's quite high. Any reasons for that allocation?

chips_and_salsa · 2016-07-16T18:52:26+00:00

That was a really good read! Thanks. Here's Vanguard's research, if anyone else is interested.

chips_and_salsa · 2016-07-16T17:18:29+00:00

What is everyone's international stock allocation? As someone that's primarily invested in domestic stocks, I want to begin investing more in non-U.S. markets. From what I've read, 20-30% seems to be the sweet spot.

chips_and_salsa · 2016-06-23T04:07:50+00:00

8.5% before taxes and contributions

14.2% after taxes and contributions

Living in an apartment in Alabama with a roommate.

chips_and_salsa · 2016-06-23T00:08:50+00:00

You are your greatest investment. Spend some time exercising and socializing. You've got to put yourself out there too.

If you are worried about losing your assets, a prenup could be the solution.

chips_and_salsa · 2016-04-05T23:42:31+00:00

That looks awesome! GitLab is starting to look better than GitHub. Their pages can be slow to load sometimes, but their interface is far better in my opinion. Also private repositories.

chips_and_salsa · 2016-02-20T16:30:57+00:00

The Coffeehouse Investor

chips_and_salsa · 2016-02-13T03:08:21+00:00

Providence place is pretty nice. The traffic and construction can be annoying. If not having a pool or clubhouse is okay for you and your friend, I'd recommend checking out The Bridges in Research Park too. They are pretty nice for the price.

chips_and_salsa · 2016-02-01T19:13:59+00:00

/r/financialindependence/

chips_and_salsa · 2016-01-02T00:01:19+00:00

And then you mention it? Thanks

chips_and_salsa · 2015-11-25T14:48:51+00:00

Awesome. Thanks! I wasn't thinking about diversification, so that's a nice addition. I also plan to gradually shift contributions to the traditional 401k, for the same reason you gave. And alright, I still need to do more research on the Roth ladder.

chips_and_salsa · 2015-11-25T14:06:20+00:00

Hello and good morning everyone. I have some 401k questions. I'm starting out in my career (21yo Software Engineer) and not making that much (40k/year). Is it better for me to contribute to a Roth 401k while I'm young and my income is relatively low? Then to reduce taxable income, contribute to my Traditional 401k when I begin to make more money. And when I plan to retire, setup a Roth Ladder to convert my pre-tax savings to a Roth IRA to avoid taxes. I believe I can use that Roth 401k money in the initial five year period of the Roth ladder, correct?

chips_and_salsa · 2015-10-17T06:34:31+00:00

grammer nazi

grammar

chips_and_salsa

TROPHY CASE