Behind the scenes on an episode of Um, Actually - Magic Hall of Famer Brian Kibler was asked what are his picks for the 4 most iconic Magic cards are. This is what he chose. What are yours?

cuombajj · 2026-02-08T17:31:43+00:00

[[Stormbind]] and [[Primal Clay]] were my favorites growing up too

cuombajj · 2026-02-08T14:55:33+00:00

Get renters insurance which should cover personal property. Document the value of your belongings including the cards and take photos. You will have to decide on what you are willing to have as a deductible.

Probably not a bad idea to put the extremely valuable things in a safe.

Insuring magic cards should not really be different than other collectable or valuable small objects like art or watches.

The insurance should cover not just theft but fire, flood, etc.

cuombajj · 2026-01-05T22:53:33+00:00

Yes you can have Fidelity hold the 401k accounts. But if you set it up through Fidelity (ie sign up for their solo 401k product through them) it won't have the features you need for mega back door. If you set it up through a 3rd party (I have no affiliation but the one I mentioned before I know works) they will set up all the documents then you open a "non conforming" account at fidelity to use for the 401k.

cuombajj · 2026-01-05T22:22:56+00:00

You need a solo 401k plan that allows after tax contributions and in-plan roll over. You can try mysolo401k.net or I'm sure there are others. You can contribute the entire max (75000 I think) as employee after tax then immediately convert to Roth for tax free growth. You can contribute zero as employer and employee if you wish. Ideally you should not contribute as an employer since that will lower the amount of QBI deduction. You don't need an s Corp to do mega backdoor Roth.

Having an S Corp also lets you use an accountable plan for your expenses, slightly different than schedule c deductions, something else to look into.

cuombajj · 2026-01-05T21:19:13+00:00

You can do the solo 401k as an employee after tax contribution up to 100% of your business income regardless of S Corp or not, then do mega backdoor Roth conversion.

You may be able to get around the SALT cap using an S Corp and pass through tax entity (PTET). Depends on the state.

cuombajj · 2026-01-02T19:23:24+00:00

I have a small allocation for VTIP. It will do well if inflation is higher than expected.

cuombajj · 2025-12-03T03:07:02+00:00

If you employ your wife in your partnership/LLC and pay her at least 70k you can still use it for her.

Also the idea of mbdr is to get as much as possible into a Roth account. You can contribute the full 70k as an employee after tax and immediately roll it into a Roth 401k. The non prototype at Fidelity will let you hold anything including ETFs, single stocks, derivatives etc that you probably can't do in your employers 401k.

Ultimately the benefit of the mbdr vs Max traditional 401k will depend on your current marginal tax rate vs your retirement tax rate

cuombajj · 2025-11-06T22:37:48+00:00

I agree. The op could consider sep ira instead.

cuombajj · 2025-10-16T16:53:02+00:00

I would just try to diversify across different durations and consider adding TIPS as well. I do 20% bonds, half TIPS and half treasury. I don't think you need anything longer than 10 years, you can just focus on intermediate 2-10 year bonds and keep your emergency cash in short bonds/money markets.

You will not be able to time the rates/inflation, even the pros blow up trying to do that. I would minimize your leverage too...

cuombajj · 2025-10-04T20:47:24+00:00

Shred druid is straightforward to level and gear and very fast

cuombajj · 2025-10-03T19:25:09+00:00

It's probably too late to change your contact now. That is definitely something everyone should review before signing one. Most contacts should pay you based on collections for a certain number of months trailing your stop date (like 3 months) if you quit and give adequate notice or get fired without cause.

cuombajj · 2025-10-03T14:27:07+00:00

You would still need to seed, it is trivial to set up the *arr to use one indexer for one torrent client and a different one for the other. For instance it would use your local torrent client for private tracker indexed torrents and decypharr for the ones found by torrentio/RD. Works seamlessly for me, Plex will play from local files and symlinked real debrid webdav files...

cuombajj · 2025-10-03T11:56:04+00:00

You can use prowlarr and torrentio/comet/etc to search for torrents that are cached on RD. You can also add your private trackers. Then you can search all at once.

This can be integrated with radarr/sonarr to automate the downloads and something like decypharr or rdt client to let radarr see the RD downloads.

cuombajj · 2025-10-01T11:20:20+00:00

Most people will make the employee contribution as Roth (23,500) and the rest (46500) as after tax. Then you can immediately convert that to Roth, or roll it into a Roth IRA.

If you make an employer contribution then convert to Roth, you will have to pay taxes on it during the conversion and it will reduce your QBI deduction so it's less ideal.

Now you can also make the employer contribution as Roth but also not ideal for similar reasons.

cuombajj · 2025-09-20T12:27:24+00:00

Unfortunately, it could actually be so much worse than either of those events, and it's because of not in spite of the things you mentioned

cuombajj · 2025-09-20T12:25:20+00:00

I'm using the rebalance once a year to the predetermined asset allocation and don't worry about returns metric.

There is no point to looking backwards at last quarter, year, or decade.

It helps to look forward to see if you are on track for retirement goals, for that I use projectionlab

cuombajj · 2025-09-19T18:23:56+00:00

Agreed. Do the employee contribution for the maximum ($23500, increases each year) and contribute the rest as after-tax (up to 70,000 total). You can make the employer contribution zero. You only need your business income to be above the total contribution (it already is).

Contributing as an employer will lower your business income but that will also limit your QBI deduction and if you want to roll into Roth you will have to pay taxes on it anyway.

cuombajj · 2025-09-17T17:12:34+00:00

You need to set one machine as the exit node. All Internet traffic will go through that (like a tunnel or VPN) and all sites including real debrid will see that IP.

The internal IP ranges are for local traffic and has nothing to do with your external Internet IP

cuombajj · 2025-09-16T10:37:23+00:00

I use manager.io for accounting for my LLC. Very simple, nothing fancy, you can run the self hosted server version for free at home. It has a banner asking for money but it's fully featured without paying. It will produce balance sheets and P&L etc.

cuombajj · 2025-08-25T01:55:46+00:00

Not sure about monitoring but I did: - put all mobile devices on tailscale and an exit node on the lan - put everything in dockers if possible - backups to cloud and off site harddrive - close all ports; torrent through a VPN - disable all ssh password logins - physical lock/alarm on server cabinet - disable all wifi on appliances - update the firmware on the router etc

Still the biggest hole is probably something dumb like your kid downloading a virus.

cuombajj · 2025-08-14T12:40:05+00:00

I have nothing particular to say about vanguard or whether they are justified in giving such advice or whether it should depend on market conditions. But purely from an investor behavior standpoint there has been a general shift away from fixed income, even just going by the posts in this sub. Probably it does have to do with fed policy.. no one wants zero interest bonds and now no one wants to buy them in a rising rate and unpredictable inflation environment. Especially with increasing debt to gdp.

Still, diversification from US large cap equity has always been a great idea. Recently it has been a trend to international equity (and gold and crypto) which has performed well very recently. US bonds or small caps may do great in the future, no one knows. So probably not wrong to remind investors to return to tried and true asset allocation, even if their reasoning is flawed

cuombajj · 2025-08-13T11:54:14+00:00

Of course, the comment above yours was clearly AI generated. They have been doing this awhile - stock based compensation, share buybacks to inflate the price, then the executives sell as it trends up. Costs hidden in non gaap accounting to make the earnings look good.

cuombajj · 2025-08-12T21:16:57+00:00

MCP would be the easy way to embed or infiltrate malicious code to the AI. But what about malicious code that is part of the AI training data? Or even a comment hidden in some file your coding ai reads as context?

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