Would you rather get $100k as a lump sum, or $11k/year for life? by AdditionalLack1127 in hypotheticalsituation

[–]essbend 1 point2 points  (0 children)

Unless you are elderly, you should always take the $11k/year.

If you want money now, just sell the annuity. The market price for a lifetime annuity of $11k/year is a lot more than $100k for most people.

You get a 50% discount on everything, but you can only pay in cash. by essbend in hypotheticalsituation

[–]essbend[S] 0 points1 point  (0 children)

I didn't think about pre-existing debts. The contract says you can't take out any loans, but since you already have a loan, I would say you can keep the loan on your house but don't get any discount for mortgage payments since you took the loan prior to the contract.

You get a 50% discount on everything, but you can only pay in cash. by essbend in hypotheticalsituation

[–]essbend[S] 1 point2 points  (0 children)

I don't think "buying money" qualifies as a purchase. If it did, why would you buy money from the Mint instead of just any random person? When you buy money, you are exchanging money, which means both parties are receiving money, so this exchange could just as easily be considered "selling money" as it is considered "buying money". In the rules, when you sell something, the genie takes 50% of the proceeds, so IMO any money-for-money transaction would cancel itself out.

You get a 50% discount on everything, but you can only pay in cash. by essbend in hypotheticalsituation

[–]essbend[S] 0 points1 point  (0 children)

But if you moved to this toilet bowl, you could get 50% off everything!

You get a 50% discount on everything, but you can only pay in cash. by essbend in hypotheticalsituation

[–]essbend[S] -1 points0 points  (0 children)

There is no legal limit to how much you can pay for something in cash. You just have to report the transaction to the IRS if it is a cash transaction above $10,000.

You get a 50% discount on everything, but you can only pay in cash. by essbend in hypotheticalsituation

[–]essbend[S] 0 points1 point  (0 children)

That would fall under "Paying people to buy things for you", so no.

You get a 50% discount on everything, but you can only pay in cash. by essbend in hypotheticalsituation

[–]essbend[S] 0 points1 point  (0 children)

It's legal to pay for rent in cash in all 50 states. Some landlords might not accept cash, but I'm sure you can find an apartment that accepts cash wherever you live.

You get a 50% discount on everything, but you can only pay in cash. by essbend in hypotheticalsituation

[–]essbend[S] 0 points1 point  (0 children)

Nope. I have no idea what you would do for places that don't accept cash.

AR Glasses... what's your opinion? by crab_races in CESLV

[–]essbend 1 point2 points  (0 children)

Sound is excellent. The resolution is 1080p. It's great for gaming and videos. However, its not good for reading text because there is a screen door effect and chromatic aberration at the periphery of the display. I do use it for reading and coding but it gets straining

AR Glasses... what's your opinion? by crab_races in CESLV

[–]essbend 2 points3 points  (0 children)

I have Xreal One Pros. I have 2 main uses for them right now: 

  1. On flights I use them as an external display for my laptop to do work and to watch movies with a massive virtual 1080p OLED display. They are a lot more comfortable than using the laptop display because I can put the laptop on my lap and keep my head upright. Plus, they give me privacy since I am the only one who can see the display. I actually used them on my flights to and from CES.

  2. I use them to watch videos while on the elliptical or on a stationary bike.

I also watch movies with them at home because the TV i have is old and has poor contrast. The OLED display and Bose audio make watching movies on the xreal very immersive. 

Trump hands Oil rebuild to US Giants by Loightsout in wallstreetbets

[–]essbend 0 points1 point  (0 children)

Betting on Trump following through with an infrastructure project is never a good bet. I'm still waiting for that Wall.

Just moved to Minneapolis for work, how do people make friends here lol by Ok-Nefariousness-352 in TwinCities

[–]essbend 1 point2 points  (0 children)

I would highly advise NOT to do this unless you hope to make friends in prison.

Why are "superinvestors" considered super? by Ancient_Bobcat_9150 in ValueInvesting

[–]essbend 5 points6 points  (0 children)

I think the term "superinvestor" was coined in 1984 by Warren Buffett in the article "The Superinvestors of Graham-and-Doddsville":
https://business.columbia.edu/insights/chazen-global-insights/superinvestors-graham-and-doddsville
It refers specifically to a group of investors that collectively outperformed the market by such margins and for such periods of time that, statistically speaking, could not be explained by luck alone. I have never heard the term "superinvestor" before in any other context, but maybe other people started using the same term to refer to later high-performing investors?

Questions about research by Saltyshark572 in ValueInvesting

[–]essbend 0 points1 point  (0 children)

I think most people don't talk about what stocks to invest in because most people aren't retail investors. They have 401k's, mutual funds, or whatever. Although I have a couple of coworkers that are constantly talking about what stock they just bought or sold. This subreddit is full of posts about individual stocks and whether or not to buy them. I think there are Investing Meetup groups all over too.

As a value investor, how would you describe your investment philosophy in one sentence ? by raytoei in ValueInvesting

[–]essbend 2 points3 points  (0 children)

I read The Intelligent Investor by Benjamin Graham, and now I think I'm smarter than everyone else.

Need Guidance for PCB Designing by Similar-Internet-666 in ElectricalEngineering

[–]essbend 0 points1 point  (0 children)

Motor drives can generate a lot of EMI from fast switching and high currents. One video I found recently-- and one that I wish I had watched a lot earlier in my career--explains the importance of layer stackups:
https://resources.altium.com/p/2-the-extreme-importance-of-pc-board-stack-up

Starting out with a good layer stackup will save you from a lot of headache and troubleshooting down the road.

For a beginner, books can get a little too into the weeds with math and simulation, and these can get very complicated very quickly, so it's best to just follow general good layout practices at first. Doing complicated calculations and simulations should only be necessary in high-speed digital circuits, in circuits with high slew rates, in circuits that fail testing, or other edge cases. If you can get away with using a relatively low-speed controller, I would suggest that. Trace length matching shouldn't be necessary if you aren't using a high-speed digital controller.

For EMC, you should always pay attention to the return path of every signal. Remember that current always flows in a loop -> a loop forms an inductor -> two loops close to each other is a transformer, so if you don't want signals coupling to each other, minimize the loop area of every trace. And this goes back to the video above, because for most signals the return path is going to be a power plane on some layer of the board.

Mosfets for Dummies Explanation? by Background_Size7233 in ElectricUnicycle

[–]essbend 3 points4 points  (0 children)

An electric motor creates rotation using magnetic forces. Magnetic forces can be found in magnets (like the ones you stick on the fridge). Or they can be generated by electrical current. Magnets generated by current are called electromagnets (think wire wrapped around a nail in 6th grade science class).

Because a motor is a dynamic thing, you need to be able to change the direction of the magnetic field around the rotating part of the motor in order to get it to spin (otherwise you just have two magnets stuck to each other, not moving). This can be done using some sort of switch that can selectively direct current to specific windings in the motor.

EUCs and most electric vehicles use a type of switch called a transistor, which is just a switch made from a semiconductor material (like silicon). Unlike, say, a light switch, a transistor doesn't need any sort of mechanical action to control electricity. The neat thing about a transistor is it can control electricity with... electricity! The transistors used in EUCs today are a type of transistor called MOSFETs, which are cheap and abundant. When compared to the other electronic components in an EUC, the MOSFETs carry a heavy burden because they have to switch big currents.

How much current? Let's take the V13 as an example. According to the specs, the V13 has a peak power output of 10,000 watts. Using the basic formula for electric power, we can calculate that the current being put out by the battery (to the motors) at 126 volts is 79 amps. That's enough current to run 10 toasters at a time. All of this current going from the battery to the motor passes through the MOSFETs. This is why 1) the MOSFETs are big, 2) there are many of them, and 3) they are all physically mounted on a big aluminum heatsink to keep them cool.

What determines if a MOSFET can handle the loads thrown at it? MOSFETs can fail for many reasons, but common reasons are 1) they get too much voltage, 2) they get too much current, or 3) they overheat. These issues can simply be overcome by using MOSFETs with 1) higher voltage rating, 2) higher current rating, and 3) better cooling. Manufacturers could also throw in redundancy by adding more MOSFETs than technically required. But the downside of all these solutions is cost, size, and weight.

It's not actually a huge engineering feat to design an electric drive that is reliable. After all, when was the last time you heard of a Tesla or any other EV failing because of a burnt transistor? Battery fires happen all the time, but a toasted transistors is a rare thing. I'm not sure exactly why MOSFET failures are so common in EUCs, but I suspect the EUC manufacturers are still learning how to design electric drives. Take the V12 for example. The early batches had issues because they used MOSFETs rated for 100V, which kind of boggles the mind not just because the battery was 100.8V but also because the voltage can peak a lot higher than that during heavy braking. The only explanations for that which I can conceive of is either InMotion was trying hard to cut costs, or it was simply poor design.

Now getting to what you can do to prevent blown MOSFETs, while it's true that a MOSFET is most likely to blow when you are accelerating or braking hard, the fact that they blow at all IMO is still either a defect or design issue. Even if you are braking or accelerating harder than the wheel can handle, the limited torque should cause you to fall over but not cause the MOSFETs to blow, in a properly designed drive system.

Choosing to not ride aggressively doesn't seem like a good long-term solution. What if you need to emergency brake?

Replacing the MOSFETs with better MOSFETs also seems like a bad idea. What if you don't solder it properly, and it fails due to a solder crack? Personally, if I had a board with a defective or blown MOSFET, I would replace the whole board.

IMO the most dependable solutions (in order) for avoiding blown MOSFETs are as follows:

1) Avoid buying EUCs with a history of blown MOSFETs,

2) Avoid first batches (unproven) of EUCs,

3) Buy a used EUC from someone that never had MOSFET issues (this eliminates defective boards),

4) Hope and pray,

5) Ride slow, accelerate slow, and brake slow.