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Steady 4-5% on $5 million? | mikedamas: Recommended reading: The Intelligent Asset Allocator (Bernstein). My implementation of an asset allocation strategy includes a well-constructed bond portfolio using primarily individual bonds. see www.marylandcapitaladvisors.com, for example. |
Steady 4-5% on $5 million? | Super_Jambo: Buy and read 'the long and the short of it' by John Kay, it will give you a decent amount of knowledge of your different options.That said, any advice on a strategy is going to be mostly guess work (ie predictions of the future based on an incomplete model) because we're living in interesting times. |
Steady 4-5% on $5 million? | gonepostal: Just wanted to point out the fact that most of the advice here will be biased (not negatively). Most if not everyone here has one financial goal in mind asset growth.You on the other hand, shouldn't have that as your only goal. You have a huge sum of money and you should be thinking about capital conserva... |
Steady 4-5% on $5 million? | chasingsparks: Are you saying you want to live off the generated income forever? Do you have anything you are passionate about that you might want to build? Might you one day soon?I think you have to expound on what you want to do with yourself before deciding what to do with this boon. Until you answer that, stick to ... |
Steady 4-5% on $5 million? | zandorg: I got a financial advisor after winning and selling a car, and the funds he recommend I invest in (Fidelity) ended up, over 7 years, to just about double in value. So a financial advisor can be good - you just state the level of risk you're willing to take. Mine was 3 out of 5 (risky ish). |
Who's Hiring? | natemartin: Is anyone hiring for less-experienced roles? Either for new grads, or for someone who is trying to change careers. |
Steady 4-5% on $5 million? | nazgulnarsil: put x% (10<x<50) of it into counter moving assets like gold, oil, energy, etc. this acts as a safety valve for major calamities. a financial adviser probably won't help you with this too much. you have to decide how paranoid you are.split the rest between investments of various risk depending on how mu... |
I am a writer, how do I get traffic to a non techincal blog? | TallGuyShort: You can get plenty of traffic by posting the blog on a news aggregation site with a misleading title, apparently. |
Steady 4-5% on $5 million? | bufordtwain: Head over to the bogleheads forum, they give excellent advice:http://www.bogleheads.org/forum/viewforum.php?f=1 |
Product "to-do" lists | tonyarkles: At the last startup I worked at, we used Jira [http://www.atlassian.com/software/jira/] as an issue tracker. As ideas came up, we had a separate category for "idea issues". This kept everything in the same place, so when we wanted to work on a feature that was previously a TODO idea, we'd just assign it t... |
Product "to-do" lists | romland: It's funny that you mention it as I wrote something that might be what you are looking for just a few weeks ago.(edit as I re-read: doubtful that this fulfill your needs, you are probably better off with a more traditional Bugzilla-type-of thing. Keeping this posted anyway :)This is an application that I wrote... |
Steady 4-5% on $5 million? | moe: Poker and blackjack (50/50). |
Steady 4-5% on $5 million? | gcheong: I'm a big fan of the Motley Fool investment newsletters/forums. In your case I would have a look at the "Income Investor" and "Rule Your Retirement" newsletters. |
Do you feel a need for reviewmyidea.com? | miccotech: CambrianHouse did this for a while and had a very vibrant community. They shut down and became VenCorps because they felt like nothing was actually getting accomplished. |
Steady 4-5% on $5 million? | capablanca: Why not 4M on safe 1% fund and 1M on riskier investment like stocks from Bluechips? |
Who's Hiring? | macros: Wikia is hiring in SF and Poland. Both technical and product roles.http://www.wikia.com/Hiring |
Steady 4-5% on $5 million? | capablanca: Buy GOOG. |
Product "to-do" lists | jmonegro: basecamp or tadalist |
Steady 4-5% on $5 million? | olegkikin: 1) What about buying property and renting it out? It requires maintenance and oversight, but it will most likely generate much more than 4-5%.2) You can lend money on sites like prosper.com. If you spread your money of hundreds/thousands loans, it's pretty safe. I've seen some numbers somewhere, people were ... |
What became of Steve Yegge's "Rhino on Rails"? | flashgordon: actually what became of Steve Yegge? |
Steady 4-5% on $5 million? | cloudkj: I think the best approach is to read up on asset allocation (other posters have discussed various books and resources), recognize the amount of risk you're willing to take on depending on your timeline, and make a plan for periodic allocations starting now. If you properly allocate your capital amongst differe... |
Steady 4-5% on $5 million? | alastair: Move to Australia. Most of our banks offer 12mth term-deposit returns of 6% or greater on deposits >$50,000. For deposits >$1mil the rates are negotiable. |
Steady 4-5% on $5 million? | Dove: You may want to compare notes with this guy:http://www.reddit.com/r/IAmA/comments/9li9n/i_won_a_30_milli...He won $30M in the lottery and was determined to manage the money wisely in order to live a modest and free life. |
Steady 4-5% on $5 million? | sganesh: Call Vanguard :) Or find a fee only financial planner. Do not use commission based financail planners. |
Which advertising networks would you like to see benchmarked? | thomas: federated media, netshelter, advertising.com, burstmedia |
Who is hiring (entry level) | mofey: no one? :( |
How to make the most out of my domain name? | gte910h: You will likely lose it to apple if they find out about it.Point it at an affiliate store and wait for that to happen. |
How to make the most out of my domain name? | vijayr: There are lots of accessories for iPhone. Its just a matter of time, before these pop up for iPad. you could try selling those, for affiliate commission. |
How to make the most out of my domain name? | eli: Domain squatting is icky business.I'd get rid of it ASAP. Why waste time monetizing a site when Apple's lawyers could come knocking at any moment?If it were me, I'd call Apple and offer to trade it for an actual iPad. |
How to make the most out of my domain name? | melvinram: I suspect you're over-estimating the traffic you'll be able to attract based on the domain name itself. I'd sell the domain to the highest bidder and reinvest the money into something that can have a strong ROI over the next months/years. |
How to make the most out of my domain name? | SamAtt: The way I see it you only have one option and that's use it yourself and try to make it into something that can make you money while staying off Apple's radar.I base this on the following conclusions:1. As gte910h points out it's next to worthless to sell because Apple has shown it will target companies that t... |
How to make the most out of my domain name? | noonespecial: You should know that if the iPad name was trademarked before your registered it (probably true) and even in many cases if it wasn't and you're not using it for something significant and very different than Apple, all Apple has to do is file a complaint with ICANN and the domain will be yanked from you and... |
Science vs Religion: how is it compatible? | dirtbox: I'm more interested in the reasoning behind believing that the two should be incompatible. |
Which advertising networks would you like to see benchmarked? | vaksel: tribal fusion, also adbrite(I know they suck, but as long as we are doing benchmarks, worth adding them), also adroll |
Steady 4-5% on $5 million? | nkh: I say the following with great respect. I do not know much about you or your circumstances, but I do share the same opinion of inherited wealth as a lot of great American business men. For example:“The idea that you get a lifetime of privately funded food stamps based on coming out of the right womb strikes at m... |
Steady 4-5% on $5 million? | mikedamas: A few comments on the Permanent Portfolio (25% Gold, 25% Stocks, 25% Bonds, 25% Cash):1) Cash is simply a bond - very short-term, but a bond. So, since the 25% that is in bonds is, presumably, a fund, they usually have a duration (interest-rate sensitivity) of around 5.0-6.0 (roughly equivalent to years). Ad... |
Product "to-do" lists | citrik: If you're mac based, I really like things from cultured code. It handles multiple users and they have a great iphone version that syncs to the desktop app. Helps me keep track of ideas better than a stack of napkins. http://culturedcode.com/things/ |
Science vs Religion: how is it compatible? | tokenadult: The reason I'm asking here is because I know HN has a very rational and intelligent audience.To ask a serious question, also not intended to start a flame war, how do you know that? |
How to make the most out of my domain name? | aresant: The most effecient way I've found is to sign up as an Amazon affiliate, do a specific search query affiliate link (in your case "ipad"), and direct the domain there.I've done this for years with consistent 3 - 5% buy rate - although the iPad may not be sold on Amazon there are plenty of accessories that will, ... |
Science vs Religion: how is it compatible? | noonespecial: Theist here:Science and religion both address certain and different parts of our existence. Science is the tool we use to look at our universe and ask what, religion is the tool we use to look at our universe and ask why.For example, science is perfect for looking at our earth and asking "what is it, what... |
Best Hackathon Swag/Prizes? | ciscoriordan: A Heroku gift certificate wouldn't be that exciting, but it would be really useful and you could probably get it highly discounted or free.These MacbookPro sleeves (http://www.colcasac.com/original.html) are nice, pretty cheap and would definitely be usable for the winners or their friends.If the hackatho... |
Steady 4-5% on $5 million? | known: Try investing in BRIC marketshttp://en.wikipedia.org/wiki/BRIC |
How to make the most out of my domain name? | carbocation: Let us assume that the domain was bought prior to Apple's registration of the iPad trademark. Even so, the original post makes it clear that the domain owner is trying to monetize the domain based on Apple's trademark. It's not like the OP has produced some iPad product and are just worried that Apple will... |
Steady 4-5% on $5 million? | bokonist: My personal planned allocation:
15% hand picked dividend stocks ( stuff like SXL, BPL )
40% dividend stock mutual fund ( DVY)
30% long term bond fund
10% gold
5% treasury money market fund or CD'sDVY pays out a 3.9% dividend yield. Dividends will rise as nominal national income rises. The "general price le... |
Science vs Religion: how is it compatible? | rudin: Well I am going to separate religion into its main components and decide on each one.The community aspect. Going to a church. Helping your local community etc. All this stuff is totally compatible with Science of course but it is another question if it could succeed without the other religious aspects.Morality. ... |
Steady 4-5% on $5 million? | theoreticalee: congrats on the inheritance. Look into government TIPS: http://www.treasurydirect.gov/RI/OFNtebndHowever, I would suggest taking 1% of the inheritance and work on trying to increase this amount consistently more than 5%. Prove yourself with a small amount and gradually grow larger. Don't bury your talent... |
Steady 4-5% on $5 million? | puresight: 1. Don't expect to be able to "bank" money and get a 5% annual return; in 2010, 5% is too high of an expectation for an autopilot. But check out TIPS http://www.treasurydirect.gov/indiv/products/prod_tips_glanc...2. Get a financial education, really, because nobody cares more about your money than you. In ... |
Would you submit this paper with its literal title? | epochwolf: No, the current title lacks any description of the piece in question. (Other than on containing an offensive word.) I think a title should be able to stand alone to some degree.I see the author's intent to stampete through any prudishness surrounding the term but I think a more description title including th... |
Science vs Religion: how is it compatible? | known: "Religion was born when the first con man met the first fool." --Mark Twain |
Would you submit this paper with its literal title? | jackowayed: Sure. It's a paper all about the word "fuck", why not title it Fuck? It's not like someone's going to say, "I was ok with him spending 78 pages talking about the word "fuck", but titling it Fuck took it too far!" They're either going to be offended because it's a whole paper about the word "fuck", or they'r... |
Would you submit this paper with its literal title? | yannis: Click-able link http://papers.ssrn.com/sol3/papers.cfm?abstract_id=896790 |
Science vs Religion: how is it compatible? | known: Religion is like investing in Lottery.
Science is like investing in Stock Market |
Would you submit this paper with its literal title? | johnnybgoode: I suspect you don't really care about our answers to your title question, and you just wanted to post the link and a quote from this paper. All of which is fine with me, by the way! |
Science vs Religion: how is it compatible? | losethos: God says...
Newsletters contained darksomely roll pronounced vestige
dominion anniversary superior haled needy another Head
readers confession flocks Themselves admired heads whole
recognises upbraid ludicrous earthly clothed Courage wherein
Replacement formed Orestes controversy nourishments intermission... |
Science vs Religion: how is it compatible? | scorpioxy: In my opinion, religion is not compatible with Science. Faith is.At least incompatible when discussing the level of details that religion usually talks about. I'm not a fan of that. |
Which advertising networks would you like to see benchmarked? | thesethings: Six Apart Media,Technorati,BlogAds,BlogHer Ad Network ( despite name, is not just on "women's" blogs) |
Science vs Religion: how is it compatible? | losethos: Religion must be empirically based, not philosophically. The problem is modern religion no longer does miracles. You must do mysticism.Take a nansosecond stop watch, sample it when you press a button, use the number as a mystical random value. Or, just crack-open a book randomly.How can you think the brill... |
Science vs Religion: how is it compatible? | lsc: science and religion are compatible if, and only if, you use religion only in areas where science does not provide useful answers. (of course, this is something of a moving target.) |
Appropriate levels of email contact? | andyjdavis: Surely, they're giving you a way to opt out every time they contact you? imo, provided there is a prominent and easy opt out method there's no problemOf course, if there isn't a really easy to opt out then it is douchebaggery of the highest order. |
Check out my YC app demo - rip away | freebsd_dude: I posted this earlier but all the traffic crashed my basic test server - Im new to HN and under estimated the traffic. So I set it up on an powerful ec2 image - lets see if this can handle it. Since Im paying for the ec2 hosting by the hour, I will on leave this link up for a few days. Thank you for your ... |
Check out my YC app demo - rip away | pclark: Homepage doesn't tell me what it is. Start what?Might not matter for YC demo; might matter lots to prove awareness of landing pages or whatever.I'm a total number retard so I'm afraid I didn't last long in the application. |
Check out my YC app demo - rip away | yannis: I did manage to see it before it disappeared first time around.It mostly worked nicely for me but crashed somewhere in datamanagement.nocache.jsAs a proof of concept demo is ok. However, it would be better to have a demo with the full interface even if some parts are not working so that you can demonstrate the ... |
Please review my Twitter search appendage | wesley: I don't think it's all that useful. There are a ton of spammers out there and to have to block them 1 by 1.. |
Check out my YC app demo - rip away | wheels: First, a meta-note -- if you want app reviews, don't mention that they're YC app submissions as that usually gets them killed. (Since otherwise there would be a bajillion apps getting submitted here.)In general it's slick, presumably a good chunk of that coming from GWT usage. However, I kind of lost interest... |
Check out my YC app demo - rip away | TomasSedovic: I'd start with leaving the desktop metaphor on the desktop.Double clicks, folders, dialog windows, etc. go against the web experience. Try to make the user interface more "webby" -- it will benefit everyone. |
Which advertising networks would you like to see benchmarked? | paraschopra: You can also report the variation of CPC if you can access that data, would be interesting. |
Who's Hiring? | dunk010: Last.fm are: http://www.last.fm/about/jobs |
Check out my YC app demo - rip away | roundsquare: Neat idea. But I wonder, what are you offering that excel doesn't? So far, the only tool I can see is
y vs x and thats not tough to do in excel. I'm not saying you aren't offering anything, but I don't know what it is.For the interface, a few things I didn't like, but others can chime in.1) When I cli... |
How to make the most out of my domain name? | rms: If you don't want to start using this right now for a non ipad related web site, you should email the admin and ask for this post to be deleted. With this disclosure public, you are going to lose the upcoming domain dispute and possibly be reimbursed for the cost of the domain registration. |
Check out my YC app demo - rip away | freebsd_dude: By the way Im open to meeting another cofounder. My current cofounder who used to work at SAS can only commit maybe 10-20% of his time (he's working on a PhD in stat). If you are interested in statistical software please let me know below. |
Legal to stream music online in India ? | csomar: Read their TOS and policies, may be they mention something.Google "their name" + legal issues, may be you find a blog post or a forum thread about them on the web. |
Legal to stream music online in India ? | versesane: Dude 99.99% of them are illegal and run in either Pak/US. |
Science vs Religion: how is it compatible? | roundsquare: One way they are compatible is by picking and choosing what to believe in. This seems to be the most common approach I've seen, though its often done by not looking too closely at the topic.However, I imagine you want something more satisfying than that. What you're saying makes sense If A and B reach c... |
Check out my YC app demo - rip away | simonw: As a general tip, any time you feel the need to show a message telling the user how to interact with your application ("double click on X to ...") you should reconsider. Besides which, double clicking isn't a good UI mechanism for web apps (or any other apps, really). |
Would you submit this paper with its literal title? | scscsc: Interesting read. I hate however the amount of footnotes. I find the CS style (references at the end, almost not footnotes) much more readable. |
Legal to stream music online in India ? | sbhat7: Almost all music streamed and played in India online is illegal. PPL India (http://www.pplindia.org/aboutus.html) cracks down on such websites.One needs to obtain specific license from PPL for streaming music online and such a license is quite expensive. |
Check out my YC app demo - rip away | dlevine: What does this app do? I clicked "start", and was plopped down on the home page with a frightening amount of information. It would be nice if you explained in a sentence or two what the app does, and why I should use it.I see that while I clicked away to write this I got the "welcome to statgadgets" popup. I s... |
Check out my YC app demo - rip away | dkersten: This is really nice. Took me a moment to figure out how to use (eg dragging the fields for the graphs), but nothing too tricky. Over all, its nice and looks like it could end up being quite useful, going by the other (as yet unimplemented) menus). Keep it up! |
Anyone want my Haskell and Lisp tutorials domains? | romland: Very generous offer. I'd expect both of them can become somewhat valuable once they have some content and a bit of SEO.I'm curious, though, why don't you just aggregate some content on to them? Perhaps throw up a blog or two, some Google Ad's and Amazon links? It doesn't take that much work once you have the i... |
Legal to stream music online in India ? | mallipeddi: I don't know about other websites you mentioned, but raaga.com looks legal.They've an advertisers page which looks genuine - I've seen ads for new movies show up on raaga.com (I'm guessing if movie producers don't have a problem buying ads on that website, they're probably legal?). http://www.raaga.com/chan... |
Review My App - CareLogger (A Diabetes Tracking Tool) | dmix: This was an app I built over the winter break in about 3 days. Its just a simple tool for people with diabetes to log their blood glucose levels, meals, etc. I explained the story here in a blog post: http://dmix.ca/2010/02/announcing-carelogger-a-diabetes-trac...We soft-launched about a week ago and have had 80 ... |
Science vs Religion: how is it compatible? | rms: http://lesswrong.com/lw/i8/religions_claim_to_be_nondisprova...My belief is that science and religion are reconcilable, but by the time you become a rational theist, what's the point of still being a theist? You'll have already rationalized away most of your core beliefs, like a God that is really answering your p... |
Review My App - CareLogger (A Diabetes Tracking Tool) | dale-cooper: This looks great. As a diabetic i've been considering doing something like this, now i won't need to :)Some feedback:Can't create new entries, get "We're sorry, but something went wrong."Would like to be able to enter different types of mediciation, i use humalog+lantus.A mobile app would be awesome. I mig... |
Which advertising networks would you like to see benchmarked? | agbell: adbrite, especially where you can find good advertisers through there with all your traffic or whther you get the same ads as smaller fish |
Review My App - CareLogger (A Diabetes Tracking Tool) | maxklein: I was about to do this. It's a great idea, it's an excellent market and most of the competition is terrible. I actually did my research on this so I know for a fact you'll be successful.Just be sure to allow people recommend it to their family and friends. That should be a big part of your marketing - getting... |
Review My App - CareLogger (A Diabetes Tracking Tool) | pibefision: Add Facebook Connect at login and signup. |
Review My App - CareLogger (A Diabetes Tracking Tool) | nathan82: Great landing page, initially I was clicking around trying to figure out why such a slick looking tool was completely free! You really get across how and why your service would be useful.A few little nitpicks, hopefully they're helpful: The bottom signup button isn't clickable. The orange 'join today' text co... |
Science vs Religion: how is it compatible? | stonemetal: I am Buddhist my religion specifies no conclusions regarding the age of the universe, evolution etc. If you meant Christians well my wife is Catholic and while they are a little slow on the up take (aka Galileo). They currently support Darwin etc.The sub set of people who have issues with the age of the un... |
Review My App - CareLogger (A Diabetes Tracking Tool) | peterb: I am the father of a Type 1 who is 8 years old. The problem is the same with any of the diabetes tools: you have to manually enter the numbers. Until you can get around this fundamental problem, you will have difficulty getting people to use the app. A mobile app helps, but it really needs to be automated. ... |
Review My App - CareLogger (A Diabetes Tracking Tool) | simon_: I am diabetic (type 1), and I have been meaning to make this for years. Damn you! |
Can we recruit on HN if not YC-funded? | tptacek: Wait for a "hiring" thread. They happen once a month or so. |
Can we recruit on HN if not YC-funded? | wenbert: You already did. ;)I think there should be no problem. |
Can we recruit on HN if not YC-funded? | gertburger: Since the Guidelines/FAQ has nothing on this specifically and it might be useful to one(Maybe more) HN readers I believe you should post a "We are hiring" thread.Especially if no one gives any good reasons why not to in this thread. |
Review My App - CareLogger (A Diabetes Tracking Tool) | mattew: Our company works with 2 prominent diabetes companies. I am going to let them know about this. I may be able to help get you some significant exposure on this if they find it interesting. |
Please Review My Startup: BeBefore | anzele57: Hmm, big pictures and video. Useful. |
Please Review My Startup: BeBefore | ErrantX: My initial reaction was "spam" (Im still not comfortable about the whole site!).But the content is actually reasonably useful if your researching a product. If it's a serious site then it definitely needs a much better interface and description!(edit: I say that last bit as someone who gets so annoyed when bro... |
Please Review My Startup: BeBefore | SlyShy: Any chance you could list a price on the page somewhere? I looked and looked, but couldn't find price range estimates anywhere. Pretty hard to evaluate a laptop if you don't know how much it costs, in my opinion. |
Please Review My Startup: BeBefore | lssndrdn: The layout is neat, but the purpose of the site is not obvious at first. Is it a review site? A shopping site? It's only after clicking around a bit that one can understand what the site does (present a selection of products in a cleanly organized manner, and provide links for purchase on Amazon.com). The ... |
Please Review My Startup: BeBefore | Mc_Big_G: So, it's an affiliate site with info scraped from various sources? |
Review My App - CareLogger (A Diabetes Tracking Tool) | tibbon: While I'm not a diabetic, my sister is. I'm sending this along to her for her thoughts. |
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