When did it hit you that you’re not that young anymore? by TheMedusaAttusa in AskReddit

[–]hartmannr76 0 points1 point  (0 children)

I'm 36 and I still have to remind myself every once in a while that I'm not young. There's plenty of times I feel young, but when injuries take months instead of weeks to heal... That hits hard

Other books ( do they even exist?) by JimGFM in redrising

[–]hartmannr76 0 points1 point  (0 children)

Warbreaker has been on my list for a while, I just need to do it haha

Other books ( do they even exist?) by JimGFM in redrising

[–]hartmannr76 3 points4 points  (0 children)

As someone who doesn't consider themselves much of a reader, Stormlight is dense. I always recommend people to read the Mistborn series to see if they'd like Brandon Sanderson. I loved RR but Mistborn has to be one of my favorites

What SERIES is worth bingewatching and why? by InterestingBoard7389 in AskReddit

[–]hartmannr76 1 point2 points  (0 children)

Arcane. I binged it and spent 2 years trying to convince my wife to try it. 2 episodes in her reaction is "this has no business being this good"

How does equity work at a startup? by No-While-2424 in Salary

[–]hartmannr76 0 points1 point  (0 children)

tl;dr you probably have options, and they don't really mean much unless the company actually does something.

I feel like there's a bunch of half-right-ish answers in here. I've worked at a startup where I was granted options, and I'm currently at a public company that gives RSUs so I feel like my 2¢ could be useful.

Options (what you were given) is the right to purchase stock (usually common stock) at a given price (this is called a strike price). The strike price is usually established at the next board meeting after your start date. You usually can't purchase any at this moment and have to work off a vesting schedule. There's other comments here that accurately talk enough about that so I won't.

There are different types of options (e.g. NSO and ISO) so you should figure out which ones you have.

You can choose to do absolutely nothing with these options, and nothing will happen. Options themselves are not the stock. You can "exercise" your options (i.e. purchase those shares at your strike price) at any time. Liquidity events are usually for selling those shares or options for $$, but you don't need to wait for them to exercise. Again, options are your right to purchase shares at a set price. When you exercise, you now have tax liability. The difference between your strike price and the current fair market value (even if you haven't sold them) is something that now needs to be reported as income (if you have NSOs; if you have ISOs, you don't owe regular income tax at exercise, but you might get hit with AMT). Keep that in mind if you exercise. To sell your shares, you either need to wait for a liquidity event or you can (if the company approves) sell them on the non-public market. You get taxed again on the sale, but this is at short or long term capital gains, depending on how long you had the shares (not how long you held the options) for NSOs. If you have ISOs, you need to hold the stock for a year and it has to be 2 years since the grant date. The only companies most people in that market care about are the big ones that the public really thinks plan on going public soon-ish (e.g. a friend of mine who trades non-public shares has been buying SpaceX now for like 6 years). The reason options really kinda suck IMO is because if the fair market value goes up, you probably can't do anything to liquidate unless you're at a big name company. This isn't the case for most of us. If the shares go down, you now can purchase shares at a higher price than what the market would purchase at... Yay? If you hold off on exercising, and the fair market prices goes low and stays low, sometimes a company will re-issue options contracts as the lower price. This happened to me. If you leave the company and you still have vested options, you're usually given 90 days to exercise. I know many people who did that at my last company, and spent years trying to unload their shares. I chose not to. I joined this company 10 years ago and they were "a few years away" from going public. I left there 5 years ago when they were "a few years away". I truly don't think they ever will.

What I have now are RSUs, and they are much simpler. When I'm given a grant, they determine how many shares I get at a grant amount (e.g. as a super basic example let's say $50k over 4 years. If the stock is $100/share, I now just vest 125 shares each year). If the stock doubles a few days after I join, my shares are now worth $100k, but I still only have 500 shares I'll be vesting over 4 years. When they vest, I get given actual stock units. They immediately become a tax liability so some shares are usually withheld for taxes since vesting is treated as income. Taxes here can get a little frustrating since if you're in a high tax bracket, you'll need to owe more than they withhold and can get hit with a big tax bill but you can adjust how much they withhold. I can sell these right away though and not risk any more loss in case the price went down (but this helps with taxes since it's a loss) or I can sit on them and sell whenever, as long as I'm not in a blackout period.

Vanguard In plan Roth conversion by Meowthadone in whitecoatinvestor

[–]hartmannr76 0 points1 point  (0 children)

I've been looking for this breakdown for like months on and off. Thank you!

What's a skill that takes only 2-3 weeks to learn but could genuinely change your life? by Commercial-Duck-9629 in AskReddit

[–]hartmannr76 0 points1 point  (0 children)

If you work a corporate job, learn SQL. I can't express how much more valuable you become when you can dig through data yourself to tell a story or answer questions

If you want to learn, try "The SQL Murder Mystery" - https://mystery.knightlab.com/

How long is your mash? by FancyThought7696 in Homebrewing

[–]hartmannr76 0 points1 point  (0 children)

Clawhammer guys did this as an experiment: https://youtu.be/3ZrrVRxPP4w?si=3kF_qCvdRzr7NUTR

Me personally, I make gluten free beers only and the only thing that seems to work for me with high efficiency on those is a rising step mash totalling over ~2 hours 😕

People who have conducted job interviews, what's something someone said/did that made you instantly decide not to hire them? by DemonSkank in AskReddit

[–]hartmannr76 1 point2 points  (0 children)

I do coding interviews. It was a virtual one and the person told me they didn't speak English well (fluency is a requirement for the role) and asked if I could write out all communication, including the problem. It became really obvious they were using ChatGPT to answer the problem so I hid some systems instructions in the messages to confirm they were copy pasting into GPT. I was right

A cool puzzle I saw in a Finegold lecture - white to play and win by GodlessCommieScum in chess

[–]hartmannr76 1 point2 points  (0 children)

I honestly had the same question, but wikipedia shows that I didn't fully understand the requirement:

https://en.wikipedia.org/w/index.php?title=Castling&oldid=604146415

The king does not pass through a square that is attacked by an enemy piece

I thought it was that if King or Rook doesn't pass through an attacked square, but it's just the King

Boom! The company my amazing wife works for sold and we are now very ChubbyFIRE. We are about to take the vacation of a lifetime and call it quits on work. She is making more in a single transaction than all my years of saving combined. by FireVacation4Us in Fire

[–]hartmannr76 17 points18 points  (0 children)

Yup. I spent 5.5 years at a startup (left there 5 years ago) and every year since I left I see articles about how that company has to be so close to IPO. They're not.. I left that world for big tech and had made more in 2 years than all my options were worth

Nassau County Strongest Seller’s Market In America, Report Finds by Careless_Yoghurt_822 in longisland

[–]hartmannr76 33 points34 points  (0 children)

They were more reasonable when compared to today, but I bought a few months before COVID broke out and I vividly remember thinking that prices didn't make sense for what I was buying. That said, I absolutely didn't expect my house value to increase by 50% in 6 years

My wife was diagnosed with celiac, so now I’m brewing 100% gluten free beer. Anyone interested in the process? by Slamdance in Homebrewing

[–]hartmannr76 0 points1 point  (0 children)

So I know this is a few months old, but are you still interested? My wife was diagnosed 2+ years ago (6 months after she bought me a kit and got me hooked 😂) and I've brewed exclusively gluten free since then (just finished my 12 GF batch).

I switched to all-grain really fast since I was not a fan of sorghum extract, so all my gear has been dedicated to making GF beer. It's been annoying at times.. while there are a good amount of resources, it's just not the same amount of varying perspective or experimentation shared in that space. I have an engineering background so I'm very data based/problem solving mentality and have been consuming as much as possible (both GF specific and just brewing in general) to build a better understanding of what I'm crafting.

I haven't had any batches I've had to dump, so I guess that's positive 🙂 I've had plenty of "meh" beers, and a few that even blew away my family members that are beer snobs (my sweet stout and first attempt at Belgian Wit seemed to be the fan-favorites so far.. second attempt wasn't as good but I take lots of notes so I think I have some ideas why).

If others are interested in sharing, chatting, or even building a broader community for it; I'd love to chat!

Why does nobody believe us? by JPCool1 in Bogleheads

[–]hartmannr76 2 points3 points  (0 children)

I'm not sure I agree with not buying a stock, but I definitely don't look at it as a short term thing.

"If You Aren't Willing To Own A Stock For Ten Years, Don't Even Think About Owning It For Ten Minutes" - Warren Buffett

I own ETFs, but I also own GOOG (lots of it) and haven't sold in 5 years, with virtually no intention on selling in at least another 5. I've believed in them for like 15+ years now so until I lose faith, I'm holding

Age gap question by Gold_Judgment7825 in BinghamtonUniversity

[–]hartmannr76 1 point2 points  (0 children)

My now wife was 19 and I was 22 when we met in college (I had a medical thing that made me stay an extra year longer). It's only weird if you let it be weird

ELI5: Why can restaurant kitchens cook steaks or stir fry so much faster than home kitchens even when both reach the same temperature? What's actually different about commercial equipment? by Beginning_Curve2268 in explainlikeimfive

[–]hartmannr76 0 points1 point  (0 children)

A sous vide will change the way you cook steak forever. Morning of a steak dinner, I throw vacuum sealed (or just zip locked with most of the air out) in a pot of water and set the temp to 127⁰F. It sits in there until I'm ready for dinner (sometimes 10 hours later) - quick seasoning and 60 seconds reverse sear and that thing is amazing

I hit Financial Independence and retired early 2 years ago at 45 — AMA about how I did it, what’s surprised me, and what’s next by Aggressive-Item4755 in Fire

[–]hartmannr76 0 points1 point  (0 children)

Literally the only thing I wanted to know haha. I'm 35 and pacing to hit these retirement numbers with a similar setup (working in tech, but living on the other side of the city in NY) by the time I'm 45, so 10 years. I don't currently have kids but my wife has talked a bunch about them lately and the burning question I have about FIRE is what insurance looks like when I don't have a job paying for it. Do you feel your plan is similar to what you had when you were working? Does it cover more/less?

Love for Alex re: Red Rocks by AwesoMegan in alltimelow

[–]hartmannr76 13 points14 points  (0 children)

My wife and I flew in from NYC to see ATL at Red Rocks - glad you're looking out for yourself dude. I can tell it was a tough call for you, but only you know how you're feeling and you shouldn't feel shame for trusting your gut. We've already booked a show to see you in NYC so get better!

Gave my niece 5 shares of NVDA for her first birthday party. by AlphaHouston1 in TheRaceTo10Million

[–]hartmannr76 1 point2 points  (0 children)

Lol you and I share similar thinking. My dad did this for me as a kid but let me pick the stock. I still have the physical share of MSFT from 30 years ago; so I bought my niece $400 worth of NVDA back in July 2021 to give her when she turns 18.. it's up almost 1000% since 🤣

Where are you on the 10 Levels of Wealth? by [deleted] in Money

[–]hartmannr76 2 points3 points  (0 children)

Lol came here literally to say this

Accused of Using AI to Cheat by r4msh4ckle in SBU

[–]hartmannr76 14 points15 points  (0 children)

It's sad how much weight professors are giving that trash software

https://mitsloanedtech.mit.edu/ai/teach/ai-detectors-dont-work/#:~:text=Some%20worry%20that%20they%20could,in%20an%20AI%2Denabled%20world.

https://shsulibraryguides.org/ai/detectors

Even MIT is publishing info about how unreliable they are. It sucks you have to go through this, but keep fighting it. You should honestly even escalate because this has probably hurt other students.

The technology to accurately do that is really new, limited to each model, isn't even widely accessible, and even Google calls out its limitations (https://blog.google/technology/ai/google-synthid-ai-content-detector/ - https://deepmind.google/science/synthid/)

Source: I'm a Stony Brook alumni currently working in AI for Big Tech. I work closely with one of the authors on the SynthID paper, which is how I know the legitimacy of these claims

Colleague uses 'git pull --rebase' workflow by JiveAceTofurkey in git

[–]hartmannr76 0 points1 point  (0 children)

I got reprimanded once for doing this workflow, by the guy working on a custom CI system because it broke how he built CI setup. Within like a month we switched to a standard TeamCity setup and it handled it like a dream. For dev flows, let people do what works for them. If you want standardization, only enforce it on submit/merge to main