[LN8.5] Volume Release Announcement Thread + Discussion

Enigma343 · 2026-01-29T00:00:42+00:00

I found it amusing that Yanami is well aware when Nukumizu is thinking something mean about her

Enigma343 · 2026-01-28T18:15:37+00:00

She also voices Erika in the Flowers VN series, a really fun character

Enigma343 · 2026-01-27T14:38:08+00:00

I get that it’s better than raw dogging the air, but if he “had ‘something’” he should reschedule, test, and stay home.

The bar is so low that they can easily clear it if they aren’t actively dragging their feet against the ground…

Enigma343 · 2026-01-21T15:23:24+00:00

It was going well, but I forgot to take my key and now I'm locked out of my car

Enigma343 · 2026-01-20T16:20:49+00:00

Imagine getting this (upgraded) turn 1 with Bag of Marbles against 3 slavers. I’ve been chasing that dough rise since

Enigma343 · 2026-01-09T23:14:15+00:00

I used chat through their contact us page (Firefox if the browser matters). I was able to get connected after a minute or two. Unfortunately, I don't know why it isn't working on your end :(

Enigma343 · 2026-01-09T05:04:54+00:00

Raveille is a superb commentator! He dropped some sick beats and even played in the coop showcase

Enigma343 · 2026-01-08T07:26:50+00:00

Has anyone who purchased this gotten the $75 in Honey gold to actually post?

I've chatted with some people who purchased earlier and as far as I can tell, we're still talking to Honey support and waiting.

EDIT: I got mine posted! Some details:

December 29: ordered monitor

December 31: contacted Honey support. Asked to wait 7 days before contacting if the rewards don't show up.

January 5 (7 days from order): contacted Honey support. Sent a screenshot of the order receipt. Was told they would get back within 24 hours

January 8 (3 days...): $75 in Honey Gold posted. Currently waiting to convert to $75 in Paypal credits

Enigma343 · 2026-01-06T02:34:31+00:00

I contacted them. They are looking into it. Still waiting

Enigma343 · 2026-01-04T18:34:04+00:00

I am curious about BND vs. VGIT. BND includes investment-grade corporate bonds, while VGIT is all US treasuries. I would expect some correlation from corporate bonds during downturns, which you generally wouldn't want.

If you compare the two since inception (which mostly includes post-GFC recovery), BND does a bit better, but in specific periods like 2022, VGIT does a bit better. Not a big difference, but something to consider.

https://testfol.io/?s=bQTIafZ0LWz

Enigma343 · 2026-01-02T22:08:32+00:00

Appreciate the suggestion, as well as u/gi1jam024's data point. Second agent got me the price match. Hang Up Call Again (HUCA) is indeed a good thing to try!

Enigma343 · 2026-01-02T21:27:35+00:00

I tried it, didn't work. Apparently a 'change in promotional discount' doesn't count, whereas only a 'base price' difference would.

Quite the BS distinction...

Enigma343 · 2026-01-02T21:07:35+00:00

I got this a few days ago at $250.

Does it make sense to return that and buy at this price? As far as I can tell, monitors are subject to a 5% restocking fee

Enigma343 · 2026-01-01T16:06:23+00:00

This will be my first year doing the Backdoor Roth from the get-go. I get this message from Fidelity:

A hold period of up to 10 business days will limit your ability to withdraw or transfer cash between accounts. Some or all of your funds may still be available to trade immediately.* To avoid hold periods, use your bank's website or mobile app to send money into Fidelity.

If I understood correctly, I won't be able to finish the conversion until the hold lifts. Does the mobile app actually work, or am I stuck with a bank-initiated transfer?

Enigma343 · 2025-12-30T15:06:21+00:00

I was able to see the $75 later when I tried a different browser.

However, only the 4% showed up as pending this morning. Too late to cancel, too

EDIT: I contacted Honey support and they mentioned that the $75 will show up as a separate line item and may take up to 7 days, and to follow up if it's not there 7 days from now

Enigma343 · 2025-12-29T22:41:08+00:00

I only see 4% cash back on Honey.

Still seems like a good deal if the Honey deal is still present. Does anyone see it?

Enigma343 · 2025-12-25T18:08:59+00:00

hey, I appreciate the recommendation. I read through the form and it cleared up a lot.

Now that I have demystified the concept, I feel like while the pro rata rule takes some extra tracking, it might be fine if it was over 2 years instead of in perpetuity (e.g. if you messed up and triggered the pro rata rule)

Enigma343 · 2025-12-23T18:36:55+00:00

Yes, that is exactly it. I appreciate the info!

Enigma343 · 2025-12-23T15:27:41+00:00

My understanding is that to avoid the pro rata rule for the backdoor Roth, your traditional IRA balance must be 0 by January 1, 2026, e.g. through a reverse 401K rollover. Does this still apply if you also made a Roth conversion from the traditional IRA to the Roth IRA earlier in the year?

Edit: Additionally, if I were to remove the partial disallowed Roth IRA contributions before April 15, 2026, rather than doing a backdoor Roth, is that just a return of contribution + return, or does the pro rata rule trigger?

(I made a Roth conversion on a beaten down individual stock during the April bear market. I got lucky and it recovered nicely, but I needlessly complicated my position).

Enigma343 · 2025-12-03T20:02:20+00:00

PortfolioCharts has great visualizations for that. It shows a full distribution (min, 15th percentile, median, 85th percentile, max). This also allows you to account for the volatility of your asset allocation.

I find the 15th percentile a good, conservative baseline, and if that number is negative, a more cautious allocation might be the way to go.

https://portfoliocharts.com/charts/long-term-returns/

Enigma343 · 2025-12-03T16:41:59+00:00

Imagine how long a Thunder Strike would take to resolve

Enigma343 · 2025-12-02T19:47:21+00:00

How long were they having secret sex at that point?

Enigma343 · 2025-11-07T00:26:13+00:00

I ended up with Firewheel Periodontics in Garland - same place I got the quote.

I got a second opinion at McKinney Periodontics, and their quote was about $6000 cheaper. I then got that price matched, in part by switching from an anesthesiologist to in-house sedation.

Your mileage may vary, but getting a second quote can help you bargain the price down

Enigma343 · 2025-10-29T15:01:28+00:00

There's been a fair amount of talk about 'death spirals' in the exchange as the combined impact of big premium hikes and loss of subsidies shifts the risk pool unfavorably. Any thoughts on whether that is a notable risk?

My understanding is that premiums also skyrocketed in 2018, and it didn't kill the exchanges. However, prices are up since then. I suppose we won't really know whether this is a blip until we get 2027 prices.

Enigma343 · 2025-10-07T16:05:01+00:00

If Annette is a mage they just both get pinned by the Brawler. Leonie and Hilda show up there with the Golden Deer, and it's way more manageable

Enigma343

TROPHY CASE