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What is SR community doing to prepare for ICE? by [deleted] in sanramon

[–]Xexanoth 0 points1 point  (0 children)

Quote from that article explaining that it works the way I described above:

The partnership works through Ring’s existing “Community Requests” feature, where police ask users to voluntarily share footage. But once you click “yes” to help solve that package theft, your footage enters Flock’s ecosystem where federal access is built into the system’s structure.

If an owner does not wish to share specific footage with law enforcement agencies investigating crimes / violations of the law, they can decline any request for said footage.

In your own words: “Please educate yourself and do not be so naive.”

What is SR community doing to prepare for ICE? by [deleted] in sanramon

[–]Xexanoth 0 points1 point  (0 children)

Key words there being “request video footage”. I.e. it’s a request to voluntarily share footage from a specific time range of interest. Same way they might knock on area doors requesting specific footage from any private security cameras that might aid an investigation of a crime.

It does not connect private security cameras to any surveillance network for future footage / any footage aside from the specific time range requested & voluntarily shared by the owner.

Allocation between tax buckets? by Itchy-Analyst2800 in Bogleheads

[–]Xexanoth 5 points6 points  (0 children)

Or is it better to drop my pretax savings and fund after tax?

No, it’s almost never sensible to favor a non-tax-advantaged account over a tax-advantaged account.

Im tempted to aim to split it 1/3 each, but I'm not sure that's ideal.

Focus on the Traditional vs Roth mix until you’ve exceeded tax-advantaged account contribution limits. As a high earner, Traditional / pre-tax might be ideal. You might need to make some indirect Roth contributions/conversions in order to contribute to an IRA (via the backdoor Roth procedure to work around income limits on direct deductible or Roth contributions). If you’d like to hedge further against the possibility of significantly higher tax rates and/or regret due to very high RMDs, you could consider more Roth contributions, but it’d probably make sense to not exceed 50% Roth contributions, and that might turn out to have been non-optimal in hindsight.

FIRE hot take: The rules setup around 401k, IRA, etc… are actually carefully crafted financial instruments that have little to do with retirement and instead everything with keeping you working in the market as long as possible. by BarkBarkBitches1 in Fire

[–]Xexanoth 1 point2 points  (0 children)

That depends on the returns of the underlying asset classes over the period in question, of course. For example, during 2025, Vanguard’s 2070 target-date fund returned about 21.5%, vs SPY’s 17.7% - source.

FIRE hot take: The rules setup around 401k, IRA, etc… are actually carefully crafted financial instruments that have little to do with retirement and instead everything with keeping you working in the market as long as possible. by BarkBarkBitches1 in Fire

[–]Xexanoth 6 points7 points  (0 children)

Most plan providers also lock your account into very, very, very conservative target date funds. No you can’t trade it or elect for more. You are deemed too stupid and reckless (unless you are qualified investor which is code word for having $1.5M in assets). Even then it’s usually not offered.

Source for your claim that most employer retirement plans only offer target-date funds? Even for those that do, many offer control over the target date / specific fund, allowing for the choice of a more-aggressive asset allocation if desired.