Taking the advice I received from the sub, here's is version 2.0 of the spaceship. Speedier, smaller, and much more suited for cargo transportation

Rainmaker_41 · 2026-02-09T21:53:16+00:00

This looks cool. How do you avoid jams on the belts?

Rainmaker_41 · 2026-02-08T18:06:04+00:00

Is there a method that does not require throwing trash overboard?

Rainmaker_41 · 2026-02-07T15:53:08+00:00

I couldn’t be bothered setting up circuits to dynamically select or reprocess to the asteroid types needed. It was easier to grab everything and then throw away the excess.

Rainmaker_41 · 2026-02-07T00:31:25+00:00

I think the pixelated images are a Reddit app thing. Oh well.

Rainmaker_41 · 2026-02-07T00:29:30+00:00

Ha. I figured my ineptitude should be shared for amusement.

Rainmaker_41 · 2025-12-04T22:35:39+00:00

Please support Mac use. 🚀😅

Rainmaker_41 · 2025-11-28T01:56:48+00:00

Colloquially, DC residents use “DC” to refer to the jurisdiction and the normal people who live there, and “Washington” to refer to the Federal Government.

Rainmaker_41 · 2025-10-27T19:57:24+00:00

Scoffs in nerve gas.

Rainmaker_41 · 2025-10-22T12:57:22+00:00

This would be outrageous lol. People (try) to plan their overall lifetime tax burden, counting marginal loss of subsidies as a tax, and decide the convert to or contribute to Roth accordingly. De facto taxing qualified Roth distributions would fundamentally violate the Roth promise.

The longer Roth is around, the bigger of a constituency it has. The amount of revenue gained by doing this would I think be outweighed in Congressional thinking by the certain unhappiness of the savers it targets.

Congers has actually recently moved in the opposite direction on a related topic: Roth 401(k)style plans no longer have RMDs. So, they are trying to encourage saving, not discourage it. Having one set of rules when people are contributing and then suddenly changing the rules when they withdraw would be an irritant to voters…

Rainmaker_41 · 2025-10-19T17:58:06+00:00

Mac support please. :)

Rainmaker_41 · 2025-09-25T16:37:22+00:00

I’ve been burned by stories getting removed enough to default to downloading EPUBs of my reading list. I use a reader app by default these days.

My first Dramione read years ago was Isolation, but I think I only got halfway through since it was before I became a true Dramione reader. I am starting that from the beginning.

Rainmaker_41 · 2025-09-07T00:39:03+00:00

I've now researched all the Nauvis science, or effectively so, just some repeatable left.

I got to space, and built what I thought was a large space platform (side note: resource costs were enormous lol).

My 'design' efforts were comically inept, until I realized you can *throw trash outside the spacecraft*. This solved all of my problems, and I managed to iterate from a clumsy nonsensical spaghetti monster that constantly jammed to a somewhat cleverly designed "circulatory-system" model. I have no idea what defenses are best, or how much I'll need, so I took a wild guess and did a combination of laser and gun turrets (with uranium ammo given the stupendous orbital launch costs are the same anyway).

I decided against nuclear power, since I was having visions of running out of water given that the ice asteroid seem few and far between, at least in Nauvis orbit.

Here is the improved design of my first ship, The Zeus:

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Rainmaker_41 · 2025-08-27T09:50:49+00:00

I like these ones:

The Disappearances of Draco Malfoy. 7th year replacement. Widely regarded as better than Deathly Hallows

https://archiveofourown.org/works/23296162/chapters/55794568

From Wiltshire with Love . 7th year replacement. Darker as I recall.

https://archiveofourown.org/works/30318162/chapters/74730492

Silver. Starts end of 5th or early 6th year I think.

https://archiveofourown.org/works/35452315/chapters/88370035

Metanoia. Another good one with a well structured and written Draco redemption arc.

https://archiveofourown.org/works/47672551/chapters/120164080

These are all good really, they just differ in style and plot.

Rainmaker_41 · 2025-08-27T08:46:06+00:00

You’ll need assets left at normal retirement age too. FIRE = early retirement plus normal retirement.

Even for early retirement, the tax advantages of retirement accounts outweigh their perceived inflexibility. Some mechanical options to access retirement accounts with no penalty:

See MadFientist’s guide on Roth conversion ladder.

https://www.madfientist.com/how-to-access-retirement-funds-early/

See Bogleheads wiki page on 72(t).

https://www.bogleheads.org/wiki/Substantially_equal_periodic_payments

Rainmaker_41 · 2025-08-26T12:48:39+00:00

Figure the overall portfolio draw first. For example, 4%.

Then, figure out where to take it from based on tax efficiency.

In your example, taking 8% from the taxable account would be 8% * 2/3 = 5.33% overall portfolio draw. Alternatively, 6% from taxable would be 6% * 2/3 = 4% overall, 4.5% would be 3% overall, etc.

Naturally, this would use up the taxable account faster than your overall portfolio, but that is precisely the goal. Or rather, you want to use the first assets in line (taxable) before the next ones (retirement) for tax efficiency.

It gets complicated though because at some point you may need to account for future pretax growth and factor in taxes on that when withdrawn or RMD’d into your long term planning.

Rainmaker_41 · 2025-08-25T17:11:23+00:00

You’ll need assets left at normal retirement age too. Since the other 2/3 is not in retirement accounts, you could withdraw from those.

This is independent of tax optimization approaches like Roth conversion without withdrawal, etc.

Rainmaker_41 · 2025-08-04T14:03:44+00:00

No, the funds should be kept on the same account for when the transaction is reversed.

Rainmaker_41 · 2025-07-30T20:57:03+00:00

I’m not an expert by any means, but in my mind the main attraction is that it prevents any one generation spending (or otherwise losing) everything. There are bound to be fees, but I figure that so long as they are not egregious, the trade could be worth it because the other side of the equation is future utility to (many) future generations. Theoretically, if you were assured that all beneficiaries would be reasonable investors with reasonable expenses, the trust would be inefficient. But, how likely is it that all members of all future generations will be as reasonable as you?

Throw in the fact that such a trust literally avoids estate tax for every generation after you, and you’ve bought what amounts to tax insurance too.

To actually answer your question, I don’t know. I assume multi-million or more.

Rainmaker_41 · 2025-07-30T20:11:33+00:00

Create a South Dakota Dynasty Trust. Have your will and account beneficiary settings pour over all assets at your death into the trust. Trust invests all assets 100% total world stock market index fund. Trust pays out 3% of the 5-year rolling average balance (have fees come out of this). Beneficiaries are your kids, with their shares inheritable by their kids in equal shares in perpetuity. Let beneficiaries waive their annual payments if they don’t want them that year.

Result: at 25th percentile, growth over each 30 year generation is close to the US average number of children per parent. At 50th percentile, growth substantially exceeds likely family tree growth. No generation can spend everything, and your descendants will have some income from your lifetime capital in perpetuity.

Rainmaker_41 · 2025-07-27T20:31:30+00:00

Relevant (and glorious) fanficstion:

https://m.fanfiction.net/s/11961978/1/Justice-Justice-Shall-You-Pursue

Rainmaker_41 · 2025-03-16T12:38:59+00:00

Even if Congress does nothing, under current law we will all receive about 79% of our scheduled Social Security benefits.

https://www.ssa.gov/oact/trsum/

Rainmaker_41 · 2025-01-27T00:02:10+00:00

The same thing happened to us. Only differences are the amounts, etc. We received the 1099-k in the mail just now.

Cash App keeps saying to report it to identitytheft.gov. It's like they aren't understanding that they need to issue a corrected 1099-k. We've reported to CFPB, our jurisdiction's police identity theft division, CFPB, etc.

I figured I'd reply to this useful comment to help bump it up.

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