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My Path to Financial Independence as a Software Engineer

software.rajivprab.com

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Re: My Path to Financial Independence as a Software Engineer

#561

Post by novok »

vecinu wrote: post #529
bradlys wrote: post #510

Earlier quoted context omitted.

Marriage for kids isn't necessary. You can prove you're a parent and that you have a legal right to your child even if you are unmarried. I've known plenty of couples who had kids without being married and it wasn't an issue. The immigration part is more difficult but you can get married temporarily for the purposes of immigration unless you're specifically moving to that place to live there forever . I've known peop…

Right, I actually was in the exact situation you describe in the middle, moving to a new country with a non-working spouse, so marriage was a requirement and there was no way she would have come with me if I asked her to divorce after. That's ludicrous. I see your overarching point though.

For me an my partner, we don't like the idea of the government regulating our relationship, and many years later, we still don't like the idea of it too. There is a difference between the relationship and the government paperwork.

Similarly you would couch it to your spouse the same way. If you both treat it like the corporation paperwork it is (and if you think about how the government treats it, it's actually similar to a business partnership structure in many ways), then getting paperwork married and then paperwork divorced as planned doesn't have to be an issue.

Re: My Path to Financial Independence as a Software Engineer

#562

Post by novok »

dragonwriter wrote: post #507
bradlys wrote: post #416

Earlier quoted context omitted.

Better: Just don’t get legally married and don’t live in a common law state. Prenups aren’t enforceable. Judges can throw them out and ignore them whenever they feel. I don’t plan to ever get married due to these factors. Another option for the drugs thing is to never do drugs or drink alcohol. I haven’t ever done any and I’ve managed to avoid addiction my entire life. I still have fun - I am actually considered the…

> Prenups aren’t enforceable. Yes, they are. > Judges can throw them out and ignore them whenever they feel. That's...not true, except to the extent the same is true of contracts generally.

The legal court reactions to prenups is usually a lot more hand wavy and malleable than a typical contract between two people, and people get surprised what is actually enforceable in a prenup vs the reality when the rubber hits the road. This is what is usually referenced.

Re: My Path to Financial Independence as a Software Engineer

#563

Post by dogma1138 »

nickkell wrote: post #542
dogma1138 wrote: post #243

Earlier quoted context omitted.

A lot of companies don’t hire contractors under their own LTD anymore they only take those that come through an umbrella company that pays them under PAYE.

Is there a difference in pay that you’d get if you billed an umbrella company? Or are you liable to pay more tax?

You are basically getting payed as PAYE that way so yes.

Re: My Path to Financial Independence as a Software Engineer

#564

Post by joshuamorton »

ethbr0 wrote: post #524
joshuamorton wrote: post #456

Earlier quoted context omitted.

> 'You have the opportunity to succeed greatly, and be rewarded extremely well, but this requires financial resources at birth This is the opposite of financial mobility.

No, it is not. The opposite would be that it requires financial resources of the class you want to be part of to be part of a class. Which wasn't what I (or the report) said: the idea is that it takes some level of financial resources as a prerequisite for a chance at top-level success.

Yes yes, class mobility but only for the already wealthy. Tell me more.

Re: My Path to Financial Independence as a Software Engineer

#565

Post by vanusa »

borski wrote: post #552
vanusa wrote: post #546

Earlier quoted context omitted.

"I absolutely have said it ... but actually I've never said it"? "This is not a political discussion" when in fact it's about one of the most hot-button political topics ever devised? I'm lost.

Privilege as a concept, and acknowledging what privilege one has, is what we’re discussing. The particular phrasing is less important than the idea, and that appears to be the disconnect. Use whatever phrasing you want, and it doesn’t have to be politicized. But when describing an experience, and particularly when trying to provide advice to others to do similarly, or when trying to glean information from your experi…

Privilege as a concept, and acknowledging what privilege one has, is what we’re discussing.

Actually we were specifically discussing the "check your ..." phrase in current usage, expressed as an imperative. Not privilege as a general concept.

And yes, the "phrasing of phrase" is the whole point of the phrase. Along with of course, who is saying it and to whom. Especially when the recipient most likely wasn't asking you to "provide advice" to them in the first place, now were they.

BTW here's what seems to be the definitive article on its origin:

https://www.theatlantic.com/politics/archive/2014/05/what-th...

You are making it that.

It wouldn't hurt you to check the button-pushy, "you're the problem" vibe on that statement. If you don't mind a bit of advice.

Re: My Path to Financial Independence as a Software Engineer

#566

Post by nickkell »

tluyben2 wrote: post #545
nickkell wrote: post #543

Earlier quoted context omitted.

That’s part of the issue, with consulting you’re forced to act and think like a company rather than an employee. It requires more research or hiring professional advisors. There’s potential tax benefits, but also corresponding legislation to ensure you and your clients aren’t dodging social security contributions. I’m sure once you have some experience it’s simple, but from the outside looking in, it seems slightly r…

Well here in the EU you can have jobs with almost 0 risk but less than US money, or a bit of risk (which you would also have in the US; easy to fire people there I think?) and make US money with Healthcare etc intact even if you lose a client. No more stupid interviews (they are hiring a company, not a person; I never had to do one because of that) and you have a safety net in the EU whatever happens anyway... Maybe…

Feel free to drop a link to your website

Re: My Path to Financial Independence as a Software Engineer

#567

Post by borski »

anamax wrote: post #551
borski wrote: post #533

Earlier quoted context omitted.

Calm down, and stop assuming malice where there is none, please. Firstly, I never implied or said that no black person has privilege. Second, my entire point that you seem to be missing is that everyone should recognize what privilege they do have and have benefited from. I’ve spent plenty of time in the South; I am not implying there is no way for a black person to interact productively with white people in the Sout…

I get that you want to be a white knight but you're defending malice, said defense being that you can imagine that "Check your privilege" being used differently than it actually is. And, you've yet to explain what good comes from said "recognition". What, exactly, do you want me to do differently because I benefitted from succeeding in a situation that actually was available to many? (I'm pretty sure that you won't b…

I don’t think we’re going to agree here, even though I’ve tried to find common ground a few times. The good that comes from recognition is being able to place yourself in someone else’s shoes and empathize better with their lived experiences, thus enabling you to better understand their situation. If you don’t find that worthwhile, I don’t think I can convince you to.

But, for what it’s worth, I’m certainly not trying to be any kind of “knight.” I’m just trying to have a calm and open discussion.

Re: My Path to Financial Independence as a Software Engineer

#568

Post by borski »

vanusa wrote: post #565
borski wrote: post #552

Earlier quoted context omitted.

Privilege as a concept, and acknowledging what privilege one has, is what we’re discussing. The particular phrasing is less important than the idea, and that appears to be the disconnect. Use whatever phrasing you want, and it doesn’t have to be politicized. But when describing an experience, and particularly when trying to provide advice to others to do similarly, or when trying to glean information from your experi…

Privilege as a concept, and acknowledging what privilege one has, is what we’re discussing. Actually we were specifically discussing the "check your ..." phrase in current usage, expressed as an imperative. Not privilege as a general concept. And yes, the "phrasing of phrase" is the whole point of the phrase. Along with of course, who is saying it and to whom. Especially when the recipient most likely wasn't asking y…

I don’t think we’ll agree here, but point taken at the end - I shouldn’t have said “you are making it that.” Apologies - I was getting a little annoyed.

Re: My Path to Financial Independence as a Software Engineer

#569

Post by vr46 »

dogma1138 wrote: post #498
vr46 wrote: post #374

Earlier quoted context omitted.

I stayed at my ex's flat in W2 around twenty years ago, the estate was selling 2-beds for 240K then - are you suggesting those flats are over £1M?? I dare not look at prices. Edit: Reader, he looked at the prices Found almost identical flat at 499,999K, so coming in at less than Millbank flats were going for in 2016. Those flats are only £25K more now. This seems perfectly doable for software engineers who have a goo…

Which site are you looking at? The only flats in my area around 600K all have a huge asterisk the leasehold on them is about to expire so you can only buy them in cash. https://www.rightmove.co.uk/properties/114810275 https://www.rightmove.co.uk/properties/109851434

Zoopla. I was specifically looking at the Hallfield estate, between Bayswater and Paddington.

Re: My Path to Financial Independence as a Software Engineer

#570

Post by vr46 »

Sholmesy wrote: post #471
vr46 wrote: post #372

Earlier quoted context omitted.

We lived in NW1, W1H and SW1 for fifteen years and it was totally doable with two earners even starting on a perm salary of 35K, and as the income increased we stayed, but within three years of kids arriving, it was clear that we needed to make a choice. Stay with a two-bedroom in Zone 1 - and pollution etc - or jet to Zone 4 and triple our space. Five years later I think it's more feasible to stay in Zone 1 or 2 wit…

Totally agree re; kids and air pollution etc, it's getting better every year. The $$$ is the problem. 3 bedroom in Zone 1 is 1.5-2m

I see what you mean, five years ago there were still affordable three-bed flats in SW1P and W2, but those days are over.
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