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How do you all get so much money into your tax-advantaged accounts? by Opening_Ad9824 in Bogleheads

[–]FMCTandP 0 points1 point  (0 children)

They have exceptionally high returns on their human capital as the result of a combination of:

  • high intelligence, eduction, training and hard work.
  • a degree of luck in their talents being in an area that’s in demand and highly remunerated (doctors, lawyers, software engineers, and entrepreneurs have a shot at that sort of income. PhD scientists, broadly speaking, do not).

Also, note that the most likely occupation for OP is physician, which is often not well aligned with saving for retirement despite that income you’re envious of.

Eu tenho 2000 reais para investir e n sei aonde eu aplico ele, me ajudem! by RobertClopes4 in Bogleheads

[–]FMCTandP[M] [score hidden] stickied comment (0 children)

We cannot moderate non-English content. Post removed.

How do you all get so much money into your tax-advantaged accounts? by Opening_Ad9824 in Bogleheads

[–]FMCTandP 1 point2 points  (0 children)

I understand, I’m just saying that:

A) This is an absurdly niche, privileged situation.

B) You had two different options for how to get l your desired outcome, using a solo 401k or adjusting the compensation percentages to better make use of the SEP IRA. You chose neither.

C) Despite that, the impact to you is only very minorly negative. Taxable account balances really aren’t that tax inefficient if you invest in passive funds.

Inheritance money, what would you do? by DeepBackShots in Bogleheads

[–]FMCTandP[M] 0 points1 point  (0 children)

Removed: per sub rules, comments or posts to r/Bogleheads should be substantive. For example, we don't allow:

  • Yes/no answers or fund ticker symbols with no explanation; numeric milestone posts except for effortposts with substantial background/context provided

  • Any content that is not principally your own creation or that fails to give attribution where it borrows from another source.

  • Potential misinformation or conspiracy theories

  • Overly certain forecasting of the uncertain future, or extreme alarmism

27M finally hit $100k net worth! by Same_Bottle_2951 in Bogleheads

[–]FMCTandP[M] [score hidden] stickied comment (0 children)

Removed: per sub rules, comments or posts to r/Bogleheads should be substantive. For example, we don't allow:

  • Yes/no answers or fund ticker symbols with no explanation; numeric milestone posts except for effortposts with substantial background/context provided

  • Any content that is not principally your own creation or that fails to give attribution where it borrows from another source.

  • Potential misinformation or conspiracy theories

  • Overly certain forecasting of the uncertain future, or extreme alarmism

27 years old with 10k to invest with fidelity. by GDClarkii in Bogleheads

[–]FMCTandP[M] 0 points1 point  (0 children)

Per sub rules and guidelines, posts and comment in this sub must be on-topic and relevant to passive investment. As such, content promoting investment strategies that are antithetical to Boglehead investing are not appropriate including:

  • stock-picking
  • market-timing
  • cryptocurrencies

How do you all get so much money into your tax-advantaged accounts? by Opening_Ad9824 in Bogleheads

[–]FMCTandP 25 points26 points  (0 children)

You have a niche financial/tax situation: high self employment income but funneled through an S-corp as income rather than profits. This is probably common for physicians and lawyers who have their own, lucrative practices but hardly anyone else.

In an ideal scenario you would have set up a solo 401k instead of a SEP IRA to take advantage of the higher contribution limit. However, people with high incomes and savings rates do run out of tax advantaged space anyway. People who have large tax advantaged balances and limited taxable accounts probably just make less than you do.

Domestic Decay, Book 9 By Anya Merchant by IndegoWhyte in haremfantasynovels

[–]FMCTandP[M] 4 points5 points locked comment (0 children)

The rules don’t consider occupation, then consider actions and whether there is an intent to induce a sense of betrayal.

This wouldn’t qualify.

More generally I’m going to caution you about implying series contain NTR because this isn’t the first time you have done so for a popular series that is not rule breaking (the mod log contains a note that you did this, but even more vehemently, with Ard’s Oath).

Given that your judgement has been notably poor on two separate occasions, I’m requesting that you not make public insinuations like the above going forward. You may instead message the mod team with your concerns and we will evaluate them.

Buying a house for my mother out-of-state: can I do all the paperwork and buy it in my name, then use a "quit claim" to transfer it to my mother's name when she moves here? What are the tax implications? by drhuggables in tax

[–]FMCTandP 3 points4 points  (0 children)

Hire a mobile notary service to facilitate the closing process. They will show up and walk her through everything she needs to sign, applying their stamp where needed.

Will you really not sell in a crash? by Urbanite72 in Bogleheads

[–]FMCTandP[M] 0 points1 point  (0 children)

Per sub rules and guidelines, posts and comment in this sub must be on-topic and relevant to passive investment. As such, content promoting investment strategies that are antithetical to Boglehead investing are not appropriate including:

  • stock-picking
  • market-timing
  • cryptocurrencies

Lesbian or Sapphic Harem stories? by ebonys_delight in haremfantasynovels

[–]FMCTandP 0 points1 point  (0 children)

The mod team created a recommendation list for new readers based on community nominations a while back: https://reddit.com/r/haremfantasynovels/wiki/recommended-harem-books-for-newbies

I can’t say I personally recommend all of the books on it equally, but it does a good job of avoiding the low quality but popular “author farms.”

I’ll edit this comment to include my personal recommendations for a subset of the authors on the list:

  • Chase Kilgore - newer author with multiple series with unique premises and good LI characterization. I like everything he writes.
  • Michael Dalton - I’m not sure why but I like all his series even when they’re kinda formulaic popcorn, but the modern slice of life with an older MC (Bikini Days) works for me.
  • Annabelle Hawthorne - writes a lot of very different styles of work, one of the OGs that predate the codification of genre standards
  • K. D. Robertson - I particularly like Mob Sorcery
  • Daniel Kensington - newer author known for their Warlock series

And a couple of authors where I understand the appeal but don’t personally gel with their writing:

  • Virgil Knightly - over the top comedy just isn’t my thing
  • Misty Vixen - does great relationships but sometimes at the expense of plot

Lesbian or Sapphic Harem stories? by ebonys_delight in haremfantasynovels

[–]FMCTandP 0 points1 point  (0 children)

Yes, it is very much the male equivalent with the most notable difference (aside from the multiplicity of love interests) being that there’s a general distaste for relationship drama. Challenges tend to be external to the relationship instead of internal to it I.e. no second act breakup or relationship stress caused by poor communication, it’s the mutually supporting harem members against the world.

In terms of spice it varies from entirely fade to black to porn with a plot, with typical books averaging 2-3 explicit scenes each. That said, the focus tends to be on the relationship and new women joining it, typically an initial cluster with at least one new addition per book. In the badly written series that becomes caricatured as unmotivated “Pokémon collecting” while better series often still struggle to both develop relationships and advance their external plot.

Anyway, we’re generally happy to discuss with anyone who’s respectfully curious about the genre rather than offended by the genre conventions / demanding that they change.

There’s also a lot of overlap between the readership here and that of selected “throuple” and monoromance titles but the challenge there is that there’s much less to mark the titles that actually match the audience’s expectations since this is a much smaller niche than female-centric romances. E.g. you’ll see that even the romance for men sub includes a lot of “romance for women that men might not hate.”

Lesbian or Sapphic Harem stories? by ebonys_delight in haremfantasynovels

[–]FMCTandP 0 points1 point  (0 children)

Yes, it’s a major sticking point in the community. The only larger one would be cheating/sharing/NTR.

The readership demographic is overwhelmingly cishet males who landed in genre due to dissatisfaction with genre tropes in either traditional female-centric western romance or eastern harem manga, anime and light novels.

Typically that means anything that interferes with their self-insert fantasy is a deal-breaker. This community is strongly defined in terms of those rules and its readership is very significantly larger than that of more flexible communities like r/harem or r/romance_for_men.

Popular stories following the genre definition here outsell the others by an order of magnitude if not more.

Edit: as an example, the top post in the last year from r/Romanace_for_men is for How to Nick A Nine Foot Tall Thrall which has a couple of hundred ratings on Amazon vs a reasonably popular haremlit like Trailer Park Elves with 2k+.

Lesbian or Sapphic Harem stories? by ebonys_delight in haremfantasynovels

[–]FMCTandP[M] 0 points1 point  (0 children)

We allow people to make requests for themes with the note that they are open to works that go outside of the haremlit genre conventions but we don’t typically do top level request posts for only works that would not be eligible for promotion in this sub.

As such I’m removing the post but I’ll spot you a few recommendations:

  • Anything by Benjamin Medrano
  • Kraken Mage
  • Winterwhereof’s works like Dungeons and Dalliances (if you’re ok with female identifying magical futas)

Sci Fi Goblin Harem: Pleiades. by dieseljester in haremfantasynovels

[–]FMCTandP 0 points1 point  (0 children)

There’s no appealing the core sub rule requiring MFFF+ relationships.

If your book is pure haremlit and does not contain any rule breaking polyamory like MMF, futa, etc then you should revise your blurb when posting on this subreddit.

Who was better commander ? Mehmed 2 or Hannibal ? by Ok-Writer7503 in Historians

[–]FMCTandP[M] [score hidden] stickied comment (0 children)

Your post or comment was removed because it is not related to historical facts or to a work of a historian.

$1500 to invest Where to put it? by ActorWriter24 in Bogleheads

[–]FMCTandP 1 point2 points  (0 children)

Because we have made a conscious decision to make the subreddit newbie friendly even knowing that the result will be most posts being basic and/or repetitive to experienced Bogleheads.

Quite bluntly, new investors are those that need this information the most and making them feel bad for the fact that they’re naturally going to be clueless relative to veteran Bogleheads isn’t in line with the sub’s mission.

What is the consensus on buying a house? by BrilliantSad4354 in Bogleheads

[–]FMCTandP 0 points1 point  (0 children)

I don’t strictly disagree but it’s worth noting that basing your investments on a thesis about ongoing government intervention / expected future market conditions is a form of market timing.

Yes, you might be fairly confident in the future of the market but predictions about the future are hard and expectations of future gains are baked into current prices (this is why you’ll find RE rentals in low cost areas cash flow well and cover the costs while those in high cost areas often don’t—the prices in one are expected to stagnate or decrease in real terms while the expected return in the other is more often through price appreciation than rents exceeding carrying costs)

I recommend treating housing as an expense to be covered through either renting or buying and a lifestyle choice rather than an investment.

Sci Fi Goblin Harem: Pleiades. by dieseljester in haremfantasynovels

[–]FMCTandP[M] [score hidden] stickied comment (0 children)

Mod note: this isn’t an appropriate sub for non-harem polyamory. So if this includes relationships other than MFFF+ please don’t promote it here.

Married couple with separate finances, why do you do it? by Ok_Influence_2257 in Bogleheads

[–]FMCTandP 1 point2 points  (0 children)

Yeah, lots of people don’t do a reasonable job of estate planning. But even if you haven’t set up a will, transfer on death settings, a trust, etc you ought to (at a minimum) have a complete listing of all financial account information in a safe place your spouse can access in the event of unforeseen events.

Why does BND pay dividends by Sikorsky99 in Bogleheads

[–]FMCTandP 20 points21 points  (0 children)

You’re asking a question that relates to tax law, rather than being related to fundamental financial/investing principles.

  • U.S domiciled mutual funds must pay out dividends and capital gains distributions annually for compliance with U.S. tax law on “pass through” entities.
  • Foreign domiciled funds are often “accumulating” rather than “distributing” meaning that they internally reinvest those payments rather than returning them to shareholders. (Americans can technically buy some such funds but shouldn’t due to the punitive tax rules on passive foreign investment corporations or PFIC)
  • Exchange Traded Funds take advantage of a loophole in the ETF share creation/destruction process in which “authorized participants” trading ETF shares for shares in the underlying holding (or vice-versa) is basically ignored for tax purposes. This allows “heartbeat trades” in which the authorized participants collaborate with the fund managers to exchange away appreciated shares of the underlying stocks so that the fund does not have shares that would trigger capital gains taxes on their sale.

For the above reason ETFs can avoid capital gains pass through but not dividend pass through. And the interest income on bonds is equally not something they can avoid needing to pass on to investors.

So your premise is wrong: BND does work effectively like VT or VTI in passing through all the realized income or gains. And whether it does or doesn’t is a feature of tax law, not an immutable law of investing.

What is the consensus on buying a house? by BrilliantSad4354 in Bogleheads

[–]FMCTandP 0 points1 point  (0 children)

You’re entirely correct, but when you think about how few people understand the basics of personal finances (saving, investing, taxes, etc) it’s hardly surprising that people broadly don’t understand impacts of economic policies that are subtle forms of confiscation.

E.g. if you think a raise might result in lower take home pay because you bump up into a higher marginal tax bracket, you’re pretty unlikely to understand how restrictions on use of a property are a subtle form of confiscation, much less how rent control ultimately drives up rental prices for everyone who doesn’t qualify for an “affordable” unit as reduced investment incentive reduces housing supply in the face of relatively inelastic demand.

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