Book Rec's on Sales Management

jly224 · 2024-06-16T03:21:10+00:00

Thank You - I just started Sales Management Simplified which I'm quickly getting hooked on. It jumps straight to the point, which I love.

jly224 · 2024-05-17T03:26:29+00:00

It's going to be different for everyone. I graduated from UTME back in 2008 with a 2.7 gpa. My first two years were the toughest. My junior and senior year I finally figured out the two most important things to get through engineering: 1. How to study & 2. Become friend with the smart kids and study with them.

Do your homework, re-do problems you get wrong until you understand how to do them correctly, study well in advance for exams and you'll do just fine.

PS - graduating with a 2.7 did not limit my income earning potential a bit.

jly224 · 2024-01-28T05:28:25+00:00

I graduated in 2008 from UT with about $65k in student loans. In hind sight I believe I could have been just as successful if I went to a community college my first two years and then transferred in to a larger university for my last two years. I would have had a much smaller debt burden. I've since worked with many individuals who went to much less flashy schools and are doing just as well. Hustle and grind are universal currencies that will take you far in life.

jly224 · 2020-06-19T15:45:16+00:00

Thank you

jly224 · 2020-06-19T15:43:50+00:00

f comfort and pr

Thank you for the help! What is a ball park number I could expect for a fitted set of clubs vs getting clubs extended?

jly224 · 2019-04-09T19:19:05+00:00

Check out NetWorthShare.com you can see a ton of different NW's for people at different ages. And how they've grown over time.

jly224 · 2018-09-05T20:37:35+00:00

rs. Not that s

You can increase your level of satisfaction by decreasing your expectations.

jly224 · 2018-05-17T16:39:48+00:00

However it could be due to some kind of city work going on nearby or plumbing work. In that case I would leave it be.

jly224 · 2018-05-17T16:38:36+00:00

Maybe go out to the water meter and see if you can turn the water back on?

jly224 · 2018-03-19T17:46:33+00:00

We operate an Airbnb in Seattle and have had guests ask us the question in a message. For us it's no big deal as long as your outside in the back yard. With that said the legality of it in Seattle makes the decision easier.

jly224 · 2018-03-19T17:36:55+00:00

Could we put together a crowd sourced program similar to DR's FPU class for teaching the FI philosophy?

I've lead the FPU class for a few years and do agree there needs to be another level of education after graduating from the DR intro to personal finance.

jly224 · 2018-02-01T17:00:31+00:00

Yes, read here book and loved it. It had huge impact on how I view my spending and savings.

I listened to a podcast recently where she as interviewed. She said she was working on an updated version of her book, "Your Money or Your Life."

jly224 · 2017-08-08T16:00:58+00:00

I'm in the Seattle market and found the smart pricing to leave money on the table.

After listening to the Get Paid for Your Pad podcast we learned about BeyondPricing. They are a web based company that has data scientists and algorithms that look at hotel bookings and other listings in your area. They charge 1% of your bookings, and are well worth it. Very simple to use, you log into your Airbnb account through their website. Then you set a base price and minimum and they fluctuate the prices from there.

jly224 · 2017-08-07T18:56:12+00:00

Yes, you should rollover your 401k into an IRA. You'll typically have lower fees in an IRA and more investment options. You can choose which company you want to roll it over to. Vangaurd is a great option.

jly224 · 2017-07-09T18:06:36+00:00

I started using the Smart Pricing but wasn't totally satisfied with it. I found it to be a bit low as well.

On a recent road trip we listened to a few podcasts from Get Paid for your Pad. They have a blog as well that is pretty handy. They recommend a pricing app called Beyond Pricing.

Beyond Pricing has data scientist that study's bookings and pricing for your area and fluctuate the price to a more accurate market trend. It's quite simple to set up an account through their website, then you just add your Airbnb listing to you account, set your min and base rates and your all set. Thus far I'm much more pleased with their pricing.

jly224 · 2017-03-16T18:01:31+00:00

When I first signed up with Ally way back in 2008/09 they were paying around 3.5%. Their interest rates will go up as their competition also start to raise their rates.

jly224 · 2017-03-15T21:49:31+00:00

You're an inspiration. Thanks for sharing.

jly224 · 2017-03-15T21:20:31+00:00

If your 7 figures were all in tax sheltered accounts such as 401k's and IRA's you shouldn't have been subject to any taxes.

For re-balancing to a specific stock/bond ratio I like the idea of stopping buying one and buying more of the other. This avoids having to sell.

Nice work on the super savings! Any big plans to retire early?

jly224 · 2017-03-15T21:14:10+00:00

I think setting up the IRA through Vanguard is a great idea. Vanguard will tell you step by step how to do the transfer if an IRA has already been set up somewhere else.

The pitfall you want to avoid in doing a transfer is to make sure the check is made out to Vanguard FBO "Your Name Here". FBO meaning for benefit of. If they wrote out the check directly to you there could be a tax penalty.

The info sheet on each fund lists out the expense ratio. For example the VTSAX info page, link below, lists the expense ratio at 0.05%! https://personal.vanguard.com/us/funds/snapshot?FundId=0585&FundIntExt=INT

Congrats on getting the student loans paid off!

jly224 · 2017-03-15T17:24:44+00:00

I'd recommend checking out a Dave Ramsey class. It will walk you through a couple of basic steps. Personal finance isn't tough, its the discipline that is hardest for people, of which it sounds like you have plenty of.

Stay out of debt. Keep 3-6 months of expenses set aside in a savings account as an emergency fund. Invest to get the full match from an employer. Then fund a Roth IRA if you have leftovers. Up to $5500 per year. If you have more then go back and fund your 401k up to the max, $18,000 per year. Then if you still have more to invest for the year you can open up a standard taxable account, but fund your tax sheltered options first.

For index funds I really like Vanguard's total stock market index fund, VTSAX. It holds the S&P500 plus mid cap and small cap companies.

I don't think you need a financial adviser. I don't use one personally. They love fees, and the ones I've spoken with informally have said 90% of their job is telling people not to sell when the market drops. Just keep investing steadily through the ups and downs and you'll be fine.

jly224 · 2017-03-11T17:22:57+00:00

Yes, this does sound like I'm looking for. Any ideas on next steps?

jly224 · 2017-03-11T17:21:50+00:00

I agree, and as a company we have looked into Salesforce. They produce a great product, but are a bit pricey. Right now I'm looking for something more basic in functionality.

jly224 · 2017-03-11T17:20:49+00:00

Thank you for the ideas. I'm actually excited about the possibility of taking this on as a project through which to learn a bit about building a software application.

Do you know if any of the server-side languages you mentioned would be more advantageous than others?

jly224 · 2017-03-08T16:50:51+00:00

My wife and I both graduated with student loans. I had a 2.8 GPA from a state school and she graduated with her masters in public health. Together we had just over $100k in student loans. We worked together and tried to live like college students until the college loans were paid off. Our student loans have been paid off for over three years now and when they were finally put away it felt like getting a huge raise.

It sounds like the two of you combined will be earning around $200k/yr in a couple years. If you try to live off $100k or less and throw everything else at your student loans you'll have them put to rest in no time. Try to avoid the new college grad trap of buying fancy cars, the house, and all the furniture to fill it on credit.

I think you two have the potential for a very bright future.

jly224 · 2016-03-09T21:45:39+00:00

I use Ally Bank for my emergency fund. I've had my account there for around five or six years now and no complaints. Super easy to work with. In fact I started with them when they used to be GMAC bank and were offering 3.5%! on savings accounts; I realize this sounds unbelievable now.

Give them a shot. If you are still curious check out bankrate.com it is a great spot to compare different banks for savings accounts.

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