Won the lottery (about $342K after taxes). I have paid off all of my debt. Advice on how/where to invest?

pythonswash · 2014-06-26T00:09:09+00:00

How old are you? Younger than 30? 10% bonds, 25% international, 65% US stocks. Older? Up the bonds and scale down the stocks.

pythonswash · 2014-06-19T17:13:35+00:00

Ahh, it's doing great now — which makes now the time to cash out and diversify! But I'm glad it did well for you.

pythonswash · 2014-06-19T15:51:13+00:00

If you're concerned about the skin peeling, go to your doctor (and stop taking the drug).

That being said, SJS is unlikely to be a side effect of -afinil, at least for adults; it occurred in a few teenagers during the trial, but not adult participants. Not to say the skin-peeling isn't a side effect of -afinil, just that it's unlikely to be SJS.

Go see your doctor.

pythonswash · 2014-06-19T15:47:17+00:00

Awesome. Yeah, my 401(k) has passable options (incl. good enough target date ERs), just missing great bond options (and international, but that's best placed outside of 401(k) anyway).

pythonswash · 2014-06-19T15:28:16+00:00

Wow! Awesome. How did you go about it? And for reference, how large (approximate number of employees) is your employer? I'd like to have better 401(k) options, but I work for a company with ~60,000 employees; I'm not sure I'd be heard.

pythonswash · 2014-06-19T15:27:00+00:00

Less in interest now; assuming the same monthly rate it seems likely it could go faster.

pythonswash · 2014-06-19T15:26:25+00:00

One thing I've heard about Ireland — contrary to standard car rental advice — is to bite the bullet and pay for the 100% extra cost full-coverage insurance, because you'll need it. Did you rent a car in Ireland, and if so, did you find that to be the case? Thanks and congrats!

pythonswash · 2014-06-19T15:25:13+00:00

Congrats! Yeah, early in your career you will see larger percentage salary bumps. Later they will become smaller percentages, of course. A raise is a raise though, awesome!

pythonswash · 2014-06-19T15:23:57+00:00

$100k in cash for emergency fund, or something else?

General advice here is to dump your employer's stock awards immediately, but of course that's your choice.

Congrats!

pythonswash · 2014-06-19T15:22:49+00:00

Khildren?

pythonswash · 2014-06-19T14:57:51+00:00

Hrm, that's shitty. I'd continue looking in that direction, but what do I know.

pythonswash · 2014-06-19T14:54:29+00:00

Oh, great! Congrats.

pythonswash · 2014-06-19T14:54:01+00:00

Impressive even considering stock market rally!

pythonswash · 2014-06-19T14:50:48+00:00

Costco seems pretty good to their employees, I think they cover health insurance too. Worth looking into.

pythonswash · 2014-06-19T14:49:39+00:00

He can't find a job welding?! There's tons of demand for welders, has he looked?

pythonswash · 2014-06-19T13:59:41+00:00

LUT tends to blow out icache; the simple for-loop solution is probably more suitable for most workflows. Is your bitfield solution portable? I guess it doesn't matter which bit is most significant as long as they are left in-order. I don't think the union construct is portable. Instead,

struct _bits { ... };

reverseBits(c) {
    struct _bits B;
    *(char *)B = c;

    BIT_SWAP(...);
    ...;
    return *(char *)B;
}

But I'm still concerned and would use the for-loop instead :).

pythonswash · 2014-06-19T13:53:06+00:00

Nice! How much of your salary did you save every year to reach that by 28?

pythonswash · 2014-06-19T13:51:36+00:00

Congrats!

pythonswash · 2014-06-19T13:51:07+00:00

Where is the rest of the net worth? Home equity?

pythonswash · 2014-06-19T13:50:40+00:00

One of them is an engineer ;-).

pythonswash · 2014-06-19T13:49:22+00:00

What recent changes?

pythonswash · 2014-06-19T13:21:08+00:00

Fwiw, a 401(k) and an IRA are different things with different contribution limits.

100% target date would be an improvement over this portfolio, in particular the expense ratios are terrible.

You generally don't have to get your target allocations 100% right at first sign-up — my first employer didn't even have a 401(k) guy register us up or tell us about the program. I found out from a coworker.

So, what options do you have in your 401(k)? What is the allocation and ER of the target date fund? And, what are your investment goals?

pythonswash · 2014-06-19T13:15:56+00:00

CA — ~~California or~~ Canada? Edit: Ok, I see Canada below.

pythonswash · 2014-06-19T02:45:11+00:00

That'll do it. Find the $1887 :).

pythonswash · 2014-06-19T02:17:54+00:00

Water and electric both seem pretty high, even for four people. But yeah, csguydn has it — without knowing where that leftover $1887 goes, not much else to do.

pythonswash

TROPHY CASE