Financial Independence Weekly “Help Me FIRE!” thread. Post your detailed information for highly specific advice. - April 06, 2020 |
- Weekly “Help Me FIRE!” thread. Post your detailed information for highly specific advice. - April 06, 2020
- Daily FI discussion thread - April 06, 2020
- Updating cFIREsim
- Weekly FI Monday Milestone thread - April 06, 2020
- Corporate Hiring & Job Opportunities Amid COVID-19 Pandemic
| Posted: 05 Apr 2020 11:09 PM PDT Need help applying broader FIRE principles to your own situation? We're here for you! Post your detailed personal "case study" and ask as many questions as you like, or help others who've done the same. Not sure if your questions pertain? Post them anyway…you might be surprised. It'll be helpful to use our suggested format. Simply copy/paste/fill in/etc. But since everybody's situation is different, feel free to tailor your layout to your needs. -Introduce yourself -Age / Industry / Location -General goals -Target FIRE Age / Amount / Withdrawal Rate / Location -Educational background and plans -Career situation and plans -Current and future income breakdown, including one-time events -Budget breakdown -Asset breakdown, including home, cars, etc. -Debt breakdown -Health concerns -Family: current situation / future plans / special needs / elderly parents -Other info -Questions? [link] [comments]  |
| Daily FI discussion thread - April 06, 2020 Posted: 06 Apr 2020 01:09 AM PDT Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. [link] [comments]  |
| Posted: 05 Apr 2020 10:12 PM PDT Hi everyone, I have made some tweaks to cFIREsim and thought I would share them here, the code is on GitHub. The original is still available, linked in the sidebar. What I have doneAdded Allocation StrategiesInitially you had the choice between no rebalancing, static allocation and a glide path. I wanted to know what would happen if you didn't rebalance, but saved the bond allocation to be spent during a downturn. Turns out this is called the omega not strategy. I have now added bonds first and Omega Not strategies (as well as simplifying the allocation logic and UI). Filter years by CAPEWhat is the difference between retiring during a downturn and when stocks are high? Rather than looking at all previous years, you can now filter out years based on the CAPE in the first year. This way you can see how some strategies work depending on how expensive equities are at the start. Other minor changesI have made a number of other minor changes including complete removal of PHP and server side code. The whole thing is now in the browser and nothing is sent to a server (including removal of adverts and Google analytics). If you want to save your simulation, you can download a JSON file to your computer and "upload" it again later. What I haven't changedI haven't updated the market data, it only goes up to 2016. Should I add the extra four years? I am sure that the market equities and bonds data comes from Schiller's spreadsheet, but I don't know where to get the gold data from. I haven't updated any of the documentation or links in the header. I am sure big ERN's series deserves a link. I would love to be able to extend the dataset to include other countries markets and inflation, though that would be a huge amount of effort and I am not sure I have the time and motivation resources to spend on it. What next?I have scratched my itch. I have answered the question I had at the start plus a couple of others that occurred to me when I was working on it. I could just leave the code to stagnate again. Is there anything else anyone wants changed or investigated? Should I completely rewrite the documentation to describe the project as it stands in 2020? Should the project get renamed to distinguish it from the original? I don't know. I would like to know your thoughts. [link] [comments]  |
| Weekly FI Monday Milestone thread - April 06, 2020 Posted: 06 Apr 2020 01:09 AM PDT Please use this thread to post your milestones, humblebrags and status updates which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. [link] [comments]  |
| Corporate Hiring & Job Opportunities Amid COVID-19 Pandemic Posted: 06 Apr 2020 04:29 PM PDT The economy is at a standstill, unemployment is rising and millions are searching for jobs amid the current pandemic. Given this community seems to have a majority working for larger companies that can work remotely, I'd love if everyone can share some helpful info for those looking for work right now. For background, I talked to some colleagues last week and learned that my old company recently implemented a hiring freeze on all external job applicants. They removed ALL 200+ corporate job postings, and even prohibited all contract labor and consulting opportunities, to preserve cash during this time of uncertainty. Another company I know of also removed hundreds of job postings from their public-facing careers website. Both companies don't have a timeline to start hiring again...It also seems that some corporations are leaving job postings up, but not actively interviewing, thus leaving job seekers confused. So, I'd love if you could share the current hiring status of the companies you work for and others that you have inside info on. My hope is that this post becomes a good place for current job seekers to easily learn which companies are actually hiring right now. I'll start first with the below. Sabre Holdings Status: Not Hiring, removed all job postings. McKesson Status: Hiring (job postings active with new jobs posting daily) P.S. For quality, it may be best if you list only the companies that are actively hiring currently, which you can confirm internally. [link] [comments]  |
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