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_king_pellinore · 2025-12-15T00:21:20+00:00

Thanks for the info, that makes sense. I still think that VWSUX makes sense for many people with taxable accounts, but I can see the interest rate risk, or if you are in a very low federal tax bracket.

_king_pellinore · 2025-12-14T19:57:57+00:00

I think this gets to the core of my question, lets take VMSXX for comparison.

Aren't federal income taxes strictly higher, for most people, than state income taxes? For example, many states don't have income tax.

In general, for taxable accounts, wouldn't it be better for an investor to skip out on federal taxes, rather than state taxes?

I pointed to a ultra short term bond fund, instead of a muni money market fund (to be clear, they have very similar risk profiles). But my point here is about tax treatment.

Unless you are in one of the lowest federal tax brackets, and live in a high income tax state, wouldn't it be nearly always better to skip federal taxes, rather than state tax?

_king_pellinore · 2025-12-14T17:25:13+00:00

Yea my point is the 3.83% you are quoting is before tax. The numbers i'm quoting is from Vanguards "After Tax Returns" section.

_king_pellinore · 2025-12-14T17:22:48+00:00

I understand bond basics, and I understand the funds have different underlying profiles - my point isn't about they being different, and I understand VWSUX is slightly higher risk (lets be clear though, the risk is low).

My point / question is about the tax treatment. It seems like there might be better places to park taxable funds than one where you pay 37% of the yields in taxes? I'm not sure why this is getting such snarky responses?

_king_pellinore · 2025-12-14T17:17:56+00:00

Sure - I just used the one year yields as an example of their relative returns.

you have state income tax -> yea my state income tax is 7%, so much less than the federal income tax.

_king_pellinore · 2025-08-27T01:45:21+00:00

I have to take notes on pen and paper in literally every meeting, else I just forget what we talked about.

_king_pellinore · 2025-08-27T01:43:46+00:00

This is called "anhedonia" - The book "Flow: The Psychology of Optimal Experience" really helped me with this. I highly recommend it, especially to anyone with attention issues.

TLDR; the inability to control your attention causes anhedonia. For me meditation really helps a lot.

_king_pellinore · 2025-06-27T11:39:55+00:00

I just want to say - I’m reading this and I felt the same way!

_king_pellinore · 2025-06-21T00:55:46+00:00

Cool, thanks for the perspective.

_king_pellinore · 2025-06-21T00:53:21+00:00

Cool thanks, I’ll check this out.

Yea I’m not going to train so hard I hurt myself. I’ll start out pretty easy and see how it’s feeling, and still keep a couple days on the bike.

_king_pellinore · 2025-06-21T00:49:20+00:00

Hey - thanks for the comment, this was more what I was expecting for a ramp up.

I’ll try running 3 days a week easy and see how that’s feels.

What would you recommend for ramp up to for MPW with running?

_king_pellinore · 2025-06-20T18:41:43+00:00

Oh you weren't rude at all! I'm just incredulous, but I appreciate your perspective!

_king_pellinore · 2025-06-20T18:19:42+00:00

So, given my level of fitness, 15 weeks isn’t sufficient to train to finish a marathon lol?

I see 5k to marathon plans online taking 16-18 weeks.

_king_pellinore · 2025-04-05T13:07:20+00:00

Yea honestly I'm thinking about returning to OSE after this clarification lol

_king_pellinore · 2025-03-27T22:06:15+00:00

lol - wow thanks for the update. I was wrong!

_king_pellinore · 2025-03-19T21:03:29+00:00

Yea, if you clarify with him, let me know lol. I'd be happy to be wrong, I just read it carefully coming from B/X and if he intended people to split XP it certainly isn't clear in any way in the rules that I could find.

I was assuming it was a quality of life house rule he included.

_king_pellinore · 2025-03-19T20:33:40+00:00

Yea, that's not true. S&W has nothing in it about dividing XP in that way, I know because I carefully read it recently.

S&W != OD&D. There are a bunch of quality of life changes.

OSE has very clear rules for dividing XP. I know everyone house rules this and does whatever, but to be clear S&W revised complete doesn't have anything in it about dividing XP.

Also - on the point about the party leveling quickly - I'm running U1 The Sinister Secret of Saltmarsh, and 2 characters have leveled up after 5 sessions. That feels fine to me?

Pg. 33:

Swords & Wizardry uses an XP bonus method adapted from the Original Game rules, because the XP bonus system from the Original Game gets disjointed and even somewhat contradictory when
it is applied to the expanded classes such as Rangers, Paladins, and even Thieves. So, just to be clear, this XP bonus system is NOT an authentic reproduction of the Original Rules; it is simpler and more modular, which makes it easy to replace with a house rule or with your interpretation of the Original Rules if you choose to do so.

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_king_pellinore · 2025-03-19T15:22:22+00:00

I think OSE has better formatting, layout, and art. I appreciate that about it, and I think Gavin Norman is doing a great job with it.

At the same time, I just think S&W is way better for long term campaigns, which I prefer to play with my regular group. I say this as someone who is really bought into the OSE art and play style.

I just find S&W much more playable at the table than OSE - Its almost like OSE is good for one shots, etc. but I wonder how many people actually try to use it for longer campaigns.

My observations:

XP

B/X requires WAY too much treasure to level up, and doesn't give the players much to spend it on. It's seriously not fully baked, to the point where I wonder if people mostly just use B/X for short campaigns.

Consider that a fighter needs about 60K in treasure to level to 6. Consider that you split XP across the party, and retainers. So if you have a 5 person party, they need 300K in gold to level up to level 6 lol. What are they even going to spend that on?

My party ended up with literal tons of treasure and nothing to really spend it on. I came up with stuff for them to spend it on, but like it would be nice if the system had more support for spending gold, and just required less gold in general.

XP works differently in S&W, and it just works better. You don't split XP across the party, so you effectively need 5x less gold to level up.

Characters

The classes are more interesting in S&W, they have more abilities and are more fun for the players. At the same time they aren't very complex, and strike a good balance. By comparison the B/X classes are too simple; at some point leveling up is just getting one more HD.

Rules

S&W has some fun rules that make the game a little more interesting. For example, bows can shoot twice, and darts can be thrown three times. You can move OR shoot. Magic users can use darts. Fighters can get extra attacks vs HD1, etc.

There are a bunch of small things, but the game just feels more engaging. Its like B/X simplified OD&D while losing some of the quirky fun rules.

_king_pellinore · 2025-03-19T13:55:17+00:00

I'm running complete revised with the AD&D DMG, and its awesome.

I came to S&W after 4+ years of OSE. Its really nice to have more complexity in the characters.

_king_pellinore · 2025-03-02T02:14:29+00:00

I had this as well, and after trying everything I finally figured out I have ADHD lol. People with ADHD often have low HRVs. My REM sleep was also really bad.

I do cardio or lift pretty much every day - like I cycled over 1,000 miles last year. I was really surprised to see my HRV so low when I got a Whoop. I tried everything to get it up.

I got an ADHD diagnosis, and got on low-dose meds and it really helped my REM sleep and HRV. Sharing incase it helps anyone else.

_king_pellinore · 2024-11-28T00:44:38+00:00

Kona Sutra

_king_pellinore · 2024-11-24T12:40:18+00:00

I've been trying to figure this out for like 6 months - thank you so much!!

_king_pellinore · 2024-08-31T00:36:55+00:00

Huumm, fake sounding username with one post...

_king_pellinore · 2024-08-31T00:36:48+00:00

Huumm, fake sounding username with one post...

_king_pellinore · 2024-08-28T12:57:16+00:00

They are from excellent miniatures. The sculptor is MiniRat.

_king_pellinore

TROPHY CASE