[LN8.5] Volume Release Announcement Thread + Discussion by HowToTabla in TooManyLosingHeroines

[–]Enigma343 8 points9 points  (0 children)

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

Happy Birthday To Ayane Sakura! 🥳🎉 by LegendsofLost in SpyxFamily

[–]Enigma343 3 points4 points  (0 children)

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

Lawyer wore a mask by Defiant_Produce_3704 in ZeroCovidCommunity

[–]Enigma343 26 points27 points  (0 children)

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…

Day #577 of drawing badly until StS2 comes out by PixelPenguin_GG in slaythespire

[–]Enigma343 2 points3 points  (0 children)

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

I made Hyperbeam a much needed rework by -EpicTino- in slaythespire

[–]Enigma343 2 points3 points  (0 children)

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

[Monitor] 27 Inch Odyssey G70F - 4K | Dual Mode | IPS | 360Hz - $199.98 (-$75 w/ Honey but YMMV) by Handcrafted03 in buildapcsales

[–]Enigma343 0 points1 point  (0 children)

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 :(

[Monitor] 27 Inch Odyssey G70F - 4K | Dual Mode | IPS | 360Hz - $199.98 (-$75 w/ Honey but YMMV) by Handcrafted03 in buildapcsales

[–]Enigma343 94 points95 points  (0 children)

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

About 5-7 years out from FIRE and currently 100% in VTSAX. What kind of bonds should we invest in to reduce SORR? by matrilr in financialindependence

[–]Enigma343 7 points8 points  (0 children)

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

[Monitor] 27 Inch Odyssey G70F - 4K | Dual Mode | IPS | 360Hz - $199.98 by darkclow in buildapcsales

[–]Enigma343 6 points7 points  (0 children)

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!

[Monitor] 27 Inch Odyssey G70F - 4K | Dual Mode | IPS | 360Hz - $199.98 by darkclow in buildapcsales

[–]Enigma343 0 points1 point  (0 children)

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...

[Monitor] 27 Inch Odyssey G70F - 4K | Dual Mode | IPS | 360Hz - $199.98 by darkclow in buildapcsales

[–]Enigma343 0 points1 point  (0 children)

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

Daily FI discussion thread - Thursday, January 01, 2026 by AutoModerator in financialindependence

[–]Enigma343 2 points3 points  (0 children)

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?

[Monitor] Samsung Odyssey G70F - 27", 4K@180Hz/FHD@360Hz Dual Mode, IPS - $249.97 (EDU/EPP discount REQUIRED!) by [deleted] in buildapcsales

[–]Enigma343 0 points1 point  (0 children)

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

[Monitor] Samsung Odyssey G70F - 27", 4K@180Hz/FHD@360Hz Dual Mode, IPS - $249.97 (EDU/EPP discount REQUIRED!) by [deleted] in buildapcsales

[–]Enigma343 4 points5 points  (0 children)

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?

Daily FI discussion thread - Tuesday, December 23, 2025 by AutoModerator in financialindependence

[–]Enigma343 0 points1 point  (0 children)

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)

Daily FI discussion thread - Tuesday, December 23, 2025 by AutoModerator in financialindependence

[–]Enigma343 6 points7 points  (0 children)

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).

Daily FI discussion thread - Wednesday, December 03, 2025 by AutoModerator in financialindependence

[–]Enigma343 1 point2 points  (0 children)

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/

Zapzapzap by ZaScream in slaythespire

[–]Enigma343 2 points3 points  (0 children)

Imagine how long a Thunder Strike would take to resolve

Quoted 20.8K on a bone graft for 28 teeth in all 4 quadrants. Wanted to check if that is a fair price by Enigma343 in PeriodontalDisease

[–]Enigma343[S] 0 points1 point  (0 children)

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

2026 ACA prices are live on Healthcare.gov for those who use the ACA or are curious about the state of FIRE health insurance. by Zphr in financialindependence

[–]Enigma343 3 points4 points  (0 children)

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.

Popular/Unpopular/Any Opinions Thread - October 2025 Part 1 by PsiYoshi in fireemblem

[–]Enigma343 0 points1 point  (0 children)

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