As a temporary overlap during one month, same salary of course, and because nobody can do it. Am I now overemployed?
He later on complained that I wasn't honest while using AI, because I can't "break the inefficiencies"
I have a solo run with a strong character, but I feel I have hit a limit on what I can do. While tackling final bosses, I have hit a wall at Immortal Fish King & Fishmen. It is really hard for me to approach them and start fighting them, with all the fishmen around.
Does it make sense to start hiring and training some companions? Or should I just abandon the idea of defeating all the final bosses alone, and start selling drugs?
Dear FIRE tribe,
I have posted before in this sub, and after running infinite calculations and Montecarlo simulations, as we are all doing, I think we are generally underestimating growth of assets.
I posted in previous questions, but our numbers are the following:
1.200.000 $ in stocks
Dividends paying around 3.000 $ per month
Life costs expected at around 4.5000 $ (a burn rate of 1.500 USD per month)
Holding around 300.000 $ in cash (the plan was to pay for a house with this)
Dividends grow around 4% per year, portfolio grows around 7%
I have re-run the numbers, and our yearly rate (around 18.000 $) is easily offset by the growth of the portfolio. If we stop working today, our cash will last for around 18 years. By then our portfolio is likely to grow above what we need, and also our dividends.
(I know I am leaving inflation aside, but with a dividend growth of 4% the inflation is likely to be offset too).
I can't wait to pull the trigger soon. But since this is my tribe, I would appreciate if anybody can point out to any error on my math!
Dear FIRE tribe,
I have posted before in this sub, and after running infinite calculations and Montecarlo simulations, as we are all doing, I think we are generally underestimating growth of assets.
I posted in previous questions, but our numbers are the following:
1.200.000 $ in stocks
Dividends paying around 3.000 $ per month
Life costs expected at around 4.5000 $ (a burn rate of 1.500 USD per month)
Holding around 300.000 $ in cash (the plan was to pay for a house with this)
Dividends grow around 4% per year, portfolio grows around 7%
I have re-run the numbers, and our yearly rate (around 18.000 $) is easily offset by the growth of the portfolio. If we stop working today, our cash will last for around 18 years. By then our portfolio is likely to grow above what we need, and also our dividends.
(I know I am leaving inflation aside, but with a dividend growth of 4% the inflation is likely to be offset too).
I can't wait to pull the trigger soon. But since this is my tribe, I would appreciate if anybody can point out to any error on my math!
Dear FIRE tribe,
I have posted before in this sub, and after running infinite calculations and Montecarlo simulations, as we are all doing, I think we are generally underestimating growth of assets.
I posted in previous questions, but our numbers are the following:
1.200.000 $ in stocks
Dividends paying around 3.000 $ per month
Life costs expected at around 4.5000 $ (a burn rate of 1.500 USD per month)
Holding around 300.000 $ in cash (the plan was to pay for a house with this)
Dividends grow around 4% per year, portfolio grows around 7%
I have re-run the numbers, and our yearly rate (around 18.000 $) is easily offset by the growth of the portfolio. If we stop working today, our cash will last for around 18 years. By then our portfolio is likely to grow above what we need, and also our dividends.
(I know I am leaving inflation aside, but with a dividend growth of 4% the inflation is likely to be offset too).
I can't wait to pull the trigger soon. But since this is my tribe, I would appreciate if anybody can point out to any error on my math!
Dear FIRE tribe,
I have posted before in this sub, and after running infinite calculations and Montecarlo simulations, as we are all doing, I think we are generally underestimating growth of assets.
I posted in previous questions, but our numbers are the following:
1.200.000 $ in stocks
Dividends paying around 3.000 $ per month
Life costs expected at around 4.5000 $ (a burn rate of 1.500 USD per month)
Holding around 300.000 $ in cash (the plan was to pay for a house with this)
Dividends grow around 4% per year, portfolio grows around 7%
I have re-run the numbers, and our yearly rate (around 18.000 $) is easily offset by the growth of the portfolio. If we stop working today, our cash will last for around 18 years. By then our portfolio is likely to grow above what we need, and also our dividends.
(I know I am leaving inflation aside, but with a dividend growth of 4% the inflation is likely to be offset too).
I can't wait to pull the trigger soon. But since this is my tribe, I would appreciate if anybody can point out to any error on my math!
Dear FIRE tribe,
I have posted before in this sub, and after running infinite calculations and Montecarlo simulations, as we are all doing, I think we are generally underestimating growth of assets.
I posted in previous questions, but our numbers are the following:
1.200.000 $ in stocks
Dividends paying around 3.000 $ per month
Life costs expected at around 4.5000 $ (a burn rate of 1.500 USD per month)
Holding around 300.000 $ in cash (the plan was to pay for a house with this)
Dividends grow around 4% per year, portfolio grows around 7%
I have re-run the numbers, and our yearly rate (around 18.000 $) is easily offset by the growth of the portfolio. If we stop working today, our cash will last for around 18 years. By then our portfolio is likely to grow above what we need, and also our dividends.
(I know I am leaving inflation aside, but with a dividend growth of 4% the inflation is likely to be offset too).
I can't wait to pull the trigger soon. But since this is my tribe, I would appreciate if anybody can point out to any error on my math!
Hallo zusammen,
ich bin regelmäßig mit dem Fahrrad unterwegs und möchte mich im Falle eines Unfalls oder gefährlicher Situationen besser absichern. Ich habe mich bereits zur Rechtslage eingelesen (Stichwort: keine anlasslose Daueraufnahme, Loop-Funktion, Speicherung nur bei Ereignissen) und weiß, dass das Thema in Deutschland rechtlich komplex ist.
Da hier viele Leute unterwegs sind, die sich regelmäßig mit der Dokumentation von Verkehrsverstößen beschäftigen, wollte ich fragen:
Mir ist bewusst, dass die Veröffentlichung von Material im Internet problematisch ist und ich werde das Material selbstverständlich nicht ohne Anonymisierung verbreiten oder ohne triftigen Grund sichern. Es geht mir rein um die Beweissicherung für den Ernstfall.
Vielen Dank für eure Hilfe und Erfahrungen!
Hello friends,
Does anybody have any first-hand experience with the Odyssey International School for kids? Very specifically, does the International Baccalaureate helps if kids need to return to their home country?
Any advice will be greatly appreciated!
We have been preparing to move to Vietnam with our kid and Vietnamese wife, and we had done a lot of math. I work in IT, and I think AI is going (or already has) killed the good jobs. But I have a better feeling redoing our maths lately.
Our FIRE date will be at the end of the year. By then, we will have saved around 10 billion for a house or apartment, which I think will buy us a decent place in DaNang or Saigon. We have around 1.2m USD, paying around 3.400 USD monthly.
Our school will be around a thousand dollars in Vietnam. I expect our life costs to be around 2K, so that eats almost all dividends. it is a bit tight, but I also realized I can find local jobs or teach English (I have been working 20 years on IT, including FAANG experienice). Even if I cannot find anything, probably the portfolio growing will soon offset any extra charges.
i have been depressed for a long time thinking we will not make it. I am totally burned out, and I fear I will not be able to get back to corporate anymore. Bur again, rerunning the math I have realized we are in a likely position to make it.
Glad to hear if anybody moved in a similar situation.
We have been preparing to move to Vietnam with our kid and Vietnamese wife, and we had done a lot of math. I work in IT, and I think AI is going (or already has) killed the good jobs. But I have a better feeling redoing our maths lately.
Our FIRE date will be at the end of the year. By then, we will have saved around 10 billion for a house or apartment, which I think will buy us a decent place in DaNang or Saigon. We have around 1.2m USD, paying around 3.400 USD monthly.
Our school will be around a thousand dollars in Vietnam. I expect our life costs to be around 2K, so that eats almost all dividends. it is a bit tight, but I also realized I can find local jobs or teach English (I have been working 20 years on IT, including FAANG experienice). Even if I cannot find anything, probably the portfolio growing will soon offset any extra charges.
i have been depressed for a long time thinking we will not make it. I am totally burned out, and I fear I will not be able to get back to corporate anymore. Bur again, rerunning the math I have realized we are in a likely position to make it.
Glad to hear if anybody moved in a similar situation.
We have been preparing to move to Vietnam with our kid and Vietnamese wife, and we had done a lot of math. I work in IT, and I think AI is going (or already has) killed the good jobs. But I have a better feeling redoing our maths lately.
Our FIRE date will be at the end of the year. By then, we will have saved around 10 billion for a house or apartment, which I think will buy us a decent place in DaNang or Saigon. We have around 1.2m USD, paying around 3.400 USD monthly.
Our school will be around a thousand dollars in Vietnam. I expect our life costs to be around 2K, so that eats almost all dividends. it is a bit tight, but I also realized I can find local jobs or teach English (I have been working 20 years on IT, including FAANG experienice). Even if I cannot find anything, probably the portfolio growing will soon offset any extra charges.
i have been depressed for a long time thinking we will not make it. I am totally burned out, and I fear I will not be able to get back to corporate anymore. Bur again, rerunning the math I have realized we are in a likely position to make it.
Glad to hear if anybody moved in a similar situation.
We have been preparing to move to Vietnam with our kid and Vietnamese wife, and we had done a lot of math. I work in IT, and I think AI is going (or already has) killed the good jobs. But I have a better feeling redoing our maths lately.
Our FIRE date will be at the end of the year. By then, we will have saved around 10 billion for a house or apartment, which I think will buy us a decent place in DaNang or Saigon. We have around 1.2m USD, paying around 3.400 USD monthly.
Our school will be around a thousand dollars in Vietnam. I expect our life costs to be around 2K, so that eats almost all dividends. it is a bit tight, but I also realized I can find local jobs or teach English (I have been working 20 years on IT, including FAANG experienice). Even if I cannot find anything, probably the portfolio growing will soon offset any extra charges.
i have been depressed for a long time thinking we will not make it. I am totally burned out, and I fear I will not be able to get back to corporate anymore. Bur again, rerunning the math I have realized we are in a likely position to make it.
Glad to hear if anybody moved in a similar situation.
We have been preparing to move to Vietnam with our kid and Vietnamese wife, and we had done a lot of math. I work in IT, and I think AI is going (or already has) killed the good jobs. But I have a better feeling redoing our maths lately.
Our FIRE date will be at the end of the year. By then, we will have saved around 10 billion for a house or apartment, which I think will buy us a decent place in DaNang or Saigon. We have around 1.2m USD, paying around 3.400 USD monthly.
Our school will be around a thousand dollars in Vietnam. I expect our life costs to be around 2K, so that eats almost all dividends. it is a bit tight, but I also realized I can find local jobs or teach English (I have been working 20 years on IT, including FAANG experienice). Even if I cannot find anything, probably the portfolio growing will soon offset any extra charges.
i have been depressed for a long time thinking we will not make it. I am totally burned out, and I fear I will not be able to get back to corporate anymore. Bur again, rerunning the math I have realized we are in a likely position to make it.
Glad to hear if anybody moved in a similar situation.
Freelance income can fluctuate (for example, one month 20K, then a couple of months of no income, depending on invoices).
How does this count towards Einbürgerung? Will the Amt request, for instance, my income for the last few years?
The driver arrived to pick us up in touristic European city, start asking us to cancel the trip in the local language. My wife tries to cancel, but she sees that we need to pay a cancellation fee, so we don't and keep walking while the guy keeps asking us to cancel. We move around 500 meters, while I book an Uber from my phone. After around 5 minutes, Uber canceled automatically... and charged my wife a fee!
She contests it from the app, and it is automatically reimbursed. But what the fuck is this? Does Uber just try this game to see who doesn't contest the charge? Do I get paid a fee for my time wasted if the driver arrives and doesn't pick me up?
I saw this in a couple of other questions. Why is it problematic to ask this question? There is no malice in it, but seems to have triggered so many.
Hallo zusammen,
ich bin mir bei einer Verkehrsregel unsicher und hoffe, ihr könnt mir weiterhelfen. Es geht um das Thema Radfahren auf der Straße:
Dürfen Radfahrer in Deutschland grundsätzlich nebeneinander fahren, oder müssen wir zwingend hintereinander (in einer Reihe) fahren? Ich bin oft unsicher, wie ich mich verhalten soll, um andere Verkehrsteilnehmer nicht unnötig zu behindern, möchte aber gleichzeitig die geltende Rechtslage genau kennen.
Gestern war ich mit einem Kollegen nebeneinander unterwegs, als wir von zwei Autos ausgebremst wurden. Einer der Fahrer hat dann extrem nah überholt, beschleunigt und uns mit Wasser bespritzt. Wie sollte man sich in solchen Situationen am besten verhalten?
Vielen Dank für eure Hilfe!
We are all gonna die.
Hello friends,
I am checking with the miss some apartments to buy in Vietnam, and it is hard to navigate. Something like 99% are under construction, which I don't want to buy (I can foresee the problems we are going to hit). We would like to buy an apartment ready to move in, at least 3-4 bedrooms.
In batdongsan we don't find anything, it is just projects and under construction. Are we doing it wrong? Is there a better place to find them?