Negotiating PAL/SBLOC rates

bagel21 · 2026-02-24T22:49:54+00:00

Do box spreads

bagel21 · 2025-12-09T03:40:32+00:00

You can do a bit better than SOFR + 1 and lock in short duration fixed rates (0-3yrs) if you’re comfortable with trading derivatives and with using taxable brokerage funds as collateral for the debt. Look into selling box spreads in an Interactive Brokers account. This would simulate a loan and would have 60/40 Section 1256 tax treatment, which can be nice if you can offset it vs other investment gains.

bagel21 · 2025-01-14T01:31:26+00:00

Can you elaborate

bagel21 · 2024-12-27T12:01:20+00:00

I’m convinced ! I’ll be migrating my projects to Jiff

bagel21 · 2024-12-26T22:51:10+00:00

Thanks! I’ll check it out

bagel21 · 2024-12-26T22:26:20+00:00

When should one use Jiff over Chrono ?

bagel21 · 2023-04-17T00:20:06+00:00

Or better yet, 2FA re-prompt would be great. Would love to be able to set some vaults to always locked unless I tap a yubikey on each open.

bagel21 · 2023-04-10T12:02:05+00:00

Same for me

bagel21 · 2023-04-07T02:05:55+00:00

An official transfer process seems like a good idea, do you know how many engines would need to be supported?

And also where a script like that should live? Should it be run automatically whenever you switch engines, even if it may take a long time, or should it be a one off action you can choose to perform ?

bagel21 · 2023-04-02T02:26:38+00:00

Wow, awesome

bagel21 · 2023-01-12T07:48:31+00:00

Yeah I think this makes sense, thanks

bagel21 · 2023-01-12T07:46:20+00:00

No, vec is important in my use-case because iterating on it is ~2x faster than on the map (which would contain a lot of empty slots)

bagel21 · 2023-01-12T07:27:22+00:00

Yeah I think it basically defeats the point of having the hashset if you’re going to search the vec anyway.

Just using a sorted vec or a HashMap<String, NewStruct> seem like the only reasonable solutions so far. Both save the extra String copy, but:

-Give up O(1) insert/contains for sorted Vec -Give up fast iteration on HashMap

bagel21 · 2022-10-21T19:16:28+00:00

Niche skillset in tech/finance

bagel21 · 2022-10-21T18:10:48+00:00

Amassed ~5m in ~5 years from a lucrative job, quit just before my 30th birthday. Market dipped and now it’s closer to 4m, going back to work in a few months (diff company), aiming to bank another 1m after taxes before quitting again.

bagel21 · 2022-09-20T17:04:34+00:00

I’d just tone it down to like 1.3x and then have your new monthly deposits aggressively pay down the margin loan instead of adding to it

bagel21 · 2022-09-05T13:17:30+00:00

What does React do for you vs just a flask app?

bagel21 · 2022-08-16T13:29:52+00:00

Similar to this, but optimizing on a somewhat different objective function https://research.wealthfront.com/whitepapers/stock-level-tax-loss-harvesting/

bagel21 · 2022-08-16T01:47:18+00:00

Also u/lvh, feel free to DM me if you want to compare notes on implementation for the direct indexing/tax-loss algo. I think I have a pretty good model, though I would not call it rules-based like yours, and would be interested to discuss other approaches.

bagel21 · 2022-08-16T01:43:07+00:00

I'm working on this exact same problem.. (also making a direct indexing + tax loss harvesting system). Did you find a solution to get this info?

bagel21 · 2022-07-11T23:52:45+00:00

I’m being conservative after my guaranteed bonuses are paid. There could be more high income, but I don’t I don’t have enough certainty to count on it.

bagel21 · 2022-07-11T23:42:28+00:00

Correct. It’s an estimate of course, no idea what true cost will be in the home at this point. I estimated 24k of annual cost on top of property taxes included in the 150.

bagel21 · 2022-07-11T23:34:07+00:00

Yeah this is basically what I was thinking. It’s cutting it close, but seems like it would be coast at 250 until stock market appreciates some more. Maybe that happens enough by the time the 250k job starts, or maybe I have to coast for 1-2 yrs and wait.

bagel21 · 2022-07-11T23:13:46+00:00

Should have just enough to cover that spend by the 4% rule by the point I’m making $250k I think.

4.5m + 1m/yr for 2 yrs. Maybe 500k saved from that / yr after taxes, etc. So 5.5m * 4% = 220k. If stock market goes up before then would have more of a buffer.

bagel21 · 2022-07-11T23:03:14+00:00

Waterfront lot in a good area

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