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I think a problem with fundamental research is it's hard to know the value until long after. Lasers were pretty "useless" for a long time as was a lot of the internet. Of course much of it will never yield anything but how do you know in advance? Of course you could argue that we shouldn't do...

My 2016 model x has about 30k miles on it and I have t had any major problems myself. It's still by far the best overall car I've driven but the tech in other cars is rapidly catching up. I have a 3 on order but that was because the line was long and relatives were interested. They are not...

Took a quick look at the splits problem with C. It turns out that I had splits working correctly in the dev version but a difference in configuration made that part of the data gathering not function for the live version. Should be working now. That said, it created a very suspicious spike in...

Let me look into the splits thing. I tried splits but not reverse. As for the other questions. I didn't want to over promote. There was an old thread when I first introduced the program but it's too old to reply to. The idea was to have a simple way to claculate the earnings from dividends as...

Without knowing the details of what it is, it's hard to evaluate the risk/value. Generally I am pretty skeptical of special opportunities that involve paying higher interest that established/public mechanisms can pay. Even corporate junk bonds do not have adequate risk/reward in this climate...

Hi All. For those of you that used the divicalc.com tool that I put together a few years back, I spend a couple of days and got it working again. It's not battle tested, so if you find bugs, please let me know. For those of you who are interested what happened was that when Verizon bought...

Good morning party Firers! I haven't been on in a while but I'm in need of some advice. For some background, here's my financial situation and personal situation: Financial: Net Worth: ca. 6.8m Main house: 580k (no mortgage) Second/Investment/Future retirement house: 1.2m (870k mortgage)...

Agree with FlaGator. What you want to avoid IMO is making emotionally driven financial decisions based on lumpy changes in NW (up or down :) ). The best way I can think of is to first figure out what the asset allocation is (for me 65% equities, 28% bonds, 5% alternatives and 2% cash) and then...

Actually a helpful discussion for me :). I'm around 60% of the way to that but the journey has been uneven. I THOUGHT that 2m would be more money than I would ever need and then because of lucky stock options that number about doubled. Over the past few years it went up about another 50% (mostly...

I think without considering the complete financial picture it's hard to answer. About 5 years ago it became clear to me that my ISOs that I assumed would be worthless (as they always were before) would potentially be worth a lot. By a lot mean about 30x my then net worth. The liquidity...

To ERD's point. If you need $x/mo or year no matter what, and there's no tax benefit by choosing one account over another it makes no difference where it comes from. However, if you ARE flexible and in your mind $s spent in excess of dividends are more valuable and thus you'd change your...

I get about 230 miles/charge on my model X P90. I charge at night at about 25 mi/hour so for daily use I don't notice it vs. going to a gas station. I commute to work once a week about 60 miles in each direction. If I drive fast, or "have fun" it has a pretty big impact on the battery. Usually...

I have a Model X and love it. I think Tesla is a great company and I think Elon Musk has great ideas and ability to overcome huge obstacles. I don't now and don't plan on buying any stock, though. Why? Because I have no way of having a reasonable chance of predicting the value of the company...

Great discussion. To the original question. I've had this same experience the last few years. When you have "enough money" (whatever that is for you); every day at work is an opportunity to ask yourself "OK, I don't HAVE to do this... I don't WANT to be in this meeting... am I just an idiot?"...

Of course, the 2002-2007 bull ended really badly without that record upside so... ya know... who knows :P

I think it really depends on what you're using "SWR" for. If it's for punching into firecalc to get to 100%... then you have to treat spending and assets considered the way firecalc does or that 100% is inaccurate. So that's annual spending, adjust foe inflation divided by investable assets...

Fair enough, but I think the scale of work is dramatically different. To get 3.5% I think you can use a lazy portfolio and rebalance (or not even rebalance) annually. Then it's maybe a few hours a year. You CAN make it hours a day of work if you want to, but my own experience is that the more I...

Maybe right after you sell :P

geeky_grrl: Similar financial picture 4.5m 550k paid off house... 41 yo, 2 young kids, spending is around 8k/mo. Making up mind about work, and the pay part can be a tough one. Here's how I've starting thinking about it. You can EASILY afford to never work again more than 99.99% of the planet...

This is my experience as well. I just used it yesterday in terrible traffic. I use the driving assistance features LESS when I'm at high speed because there are things that make it unreliable: dips in road with sharp turns, barriers in HOV lanes, disappearing dividing lines, crazy cars crossing...

We're the same way. Considering that housing is the #1 cost in the US household budget and nearing 50%; it baffles me that there aren't 1400-1600 sqft houses that just do away with all the unnecessary space, make the bedrooms smaller (hello... most people only SLEEP in them), and focus on a...

I actually prefer smaller houses. We lived in 1400 SqFt when we lived overseas and it was fine for a family of 4. The problem in the US is layout. Small houses tend to have tiny/no yard, small kitchens, small living areas and few bedrooms. Ideally what we would like is 3-4 small bedrooms, no...

Yup. No one reads manuals and less than no one follows directions. Most people don't eat healthy and get fat, heart disease, etc. Most people don't get annual checkups and risk catching things late... like cancer. Most people text/use phone while driving and risk getting killed (or killing...

Good to hear... still a bit strange.

I think you're right. Having now driven many miles with the assist on its VERY easy and tempting to treat it as self driving. I think Tesla is pretty good at preventing this. If you don't touch the wheel for a few minutes it starts warning you aggressively and then turns off. At the sales...