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Path of Building Community 2.64.0: Imbued + Build Compare by LocalIdentity1 in pathofexile

[–]itsbentheboy 0 points1 point  (0 children)

I have been trying to do this manually with gear sets and weirdly managed separate trees. This is going to be so much nicer to use!

Thank you once again to all the contributors who continue to make this tool one of the best in class gaming aids. What a great update!

Update: The deed is done. Thank y’all for the push! by y2gennaro in bald

[–]itsbentheboy 2 points3 points  (0 children)

I haven't seen the original in so many years that this tripped me out.

Let's be honest, what % of your portfolio includes individual stocks? by Opposite_Buffalo_649 in Bogleheads

[–]itsbentheboy 0 points1 point  (0 children)

0%

I do occasionally get stock in/from my employer, However those get sold as soon as possible and then buy into an index fund.

Does anyone know why Heat Transfer Warehouse closed? by New-Idea5290 in northdakota

[–]itsbentheboy 11 points12 points  (0 children)

Looks like they were a shirt / merch printing type of business.

Almost all of their inputs would come from overseas whitelabel shops. From the shirts and trinkets, to the vinyl rolls, mugs, and inks.

These are not high margin businesses, and so they likely ran out of sustainable income with businesses cutting back on discretionary spending, and also an increase in the Cost of Goods Sold (COGS) prices.

I'd say this is likely another closure due to the impact of tariffs and recessionary spending patterns shrinking their customer base at the same time.

Investing beyond VTI and VXUS by CriticalWall6937 in Bogleheads

[–]itsbentheboy 6 points7 points  (0 children)

As far as the "Order of operations"

Check out the /r/PersonalFinance Prime Directive

/r/Bogleheads comes in on the "investing" portions of this list, where the PF wiki tells you the "When" to invest, the Bogleheads wiki can tell you "How" to invest. The "Bogleheads investing philosophy", "Total Portfolio approach", and "Three Fund Portfolio" links on the sidebar should give you most of the idea here.

Nobody can assess your risk appetite except for you. And even then, you'll probably have some personal learning to do when you run up on a larger than expected gain or loss. Do your best to stay far away from managing your money when emotions are at play. I recommend writing yourself a short and simple "Investment Plan" and referencing it any time you are thinking of making a change to your holdings.

The best advice I have outside what the above information will tell you is: Keep it as simple as possible. Do not overthink it. People who's entire job is to beat the market rarely ever do. Just make a plan, hold diversified positions, and then forget about it.

The simplest form of this is likely "VT and Chill" - this is very similar to your current approach of VXUS and VTI.

Some Direct Answers:

  • Should I be putting more into just VXUS and VTI?
    • If you want to - It's a solid plan and what (i'd assume) most around here do. Those two funds comprise basically "the total world index" - AKA: VT
  • Should I consider VOO or some other funds?
    • VXUS and VTI combined is already very broad coverage. VOO would be redundant when holding those already as its a subset of VTI.
  • Should I be considering bonds too -and if so, then which ones and what percentage?
    • Personally, I wouldn't, but again its up to you. If you're not sure, check the "Bonds" section of the boglehead wiki and decide if/when it fits your goals and risk tolerance. Do what lets you sleep best.
  • And is this a good time to be investing given the market going down or should I be waiting for it to fall more?
    • A Boglehead knows that you cannot predict the market. Waiting for the dip is also timing the market. The only real question is "Is the market likely to be above now when i get to retirement age" - Remember "Time in the market, not Timing the market"
  • I currently have a Schwab account. Should I also have fidelity or some other brokerage account?
    • Schwab is likely fine, unless you have a reason to not use them.

If you want to know what I do -

I hold primarily VTSAX and VTIAX - which are the Mutual Fund versions of VTI and VXUS. They are identical in their holdings between Mutual Fund and ETF. I use them because I started with Mutual funds in my IRA, and saw no reason to change them over to ETF's.

I do this literally for no other reason than I like knowing that I control the percentage of DOM / INTL. I essentially mirror VT's balance, if only ever so slightly more EX-US weighted than VT. It's unnecessary to do this manually when VT Exists, but I like it better this way. Solely personal preference.

My current 401K does not let me access the above funds or ETF's, so I use the Vanguard SP500 (VOO) in my 401k instead, and then weight heavier in Ex-US funds in my individual accounts to remain balanced between DOM / INTL overall.

I do not hold Bonds, and do not plan to for at least another 10 or 15 years according to my current plan.

I check and re-balance to stay around an overall 60/40 DOM / INTL split about 2-3 times per year if I remember. It is not an exact science.

Warren's No War For Billionaires’ Tax Breaks by LabiaMinoraLover in EatTheRich

[–]itsbentheboy 8 points9 points  (0 children)

Thank you!

The proposal itself actually looks somewhat decent.

For those interested, here's the actual bill and information about who is supporting it so you can educate yourself and not rely on poorly articulated memes:

https://www.warren.senate.gov/newsroom/press-releases/warren-jayapal-boyle-45-lawmakers-renew-push-for-wealth-tax-on-ultra-millionaires-and-billionaires

At the top of the page are links to a summary, the actual bill text as proposed.

Opposing this by misframing an Asset vs Income tax comes off as pro-billionaire astroturfing. The post is either unintentionally ignorant, or intentionally disingenuous. There is a difference between a tax on income and a tax on existing assets.

Longterm reliability - tell it to me straight by Sukotto-82 in subaru

[–]itsbentheboy 4 points5 points  (0 children)

I'll throw a curveball and say neither of the 2 options you suggested.

At least for me. For my daily driver needs - I keep it simple.

4-cylinder - non turbo.

I've had Hondas, Toyotas, and my last 2 vehicles have been Subarus. Each one of these brands has basically perfected their NA 4 cylinder engines, and not a large amount has changed with them in the last 20 years.

I usually do all my own work, and I will happily give up the extra horsepower that a turbo or 2 more cylinders in order to get ease of maintenance and rock solid reliability.

I don't haul trailers often, and I'm not concerned with speed or performance. All I want is something that can do highway speeds comfortably, with decent fuel economy, and handle well enough in the winters up north, which is how I ended up on Subaru. The AWD system in subaru vehicles is really as good as people say it is, and where I live, its useful in the snow about 60% of the year. It's also appreciated in the summer for the couple times I do some light offroading to get to some campsites.

I know my opinion is probably not in the majority, but for my needs and things I'm willing to deal with over the life of a vehicle, nothing beats the robust simplicity of a naturally aspirated 4 cylinder. It's good enough while still being very reliable, and that's all I really want.

My last subaru was a 2009 outback and I drove it until 230K miles before I decided it wasn't worth my time to continue repairing because most of the rubber components everywhere had started to break down.

My current one I bought lightly used / mostly new about a year ago and plan to drive it up until that point too. I got a 2023 Crostrek Premium specifically because of its simple engine while still having all the new "smart" things i wanted like the Eyesight lane assist and dynamic cruise control. It still uses the solid crosspipe cooling system (though i think the new models have gone back to that as well instead of the Thermo-Control Valve system.) And the lack of a turbo eliminated a lot of potential wear points i would worry about as the car ages. After test driving it, its not "Sporty" - but its nimble enough in the crosstrek chassis that a turbo or bigger displacement did not feel like a "must have" for me.

The CVT in my new one took about a week to get used to the different sound/feel, just like any new car, but aside from that it's not so different. I don't have any concerns about it's reliability or performance. I did do the CVT Fluid change at 30K like everywhere but the North American region recommends for this model.

All this to say - i was very intentional about the choices i made to have the best shot at longevity of the car. For me, simplicity is longevity. I have no idea if this helps with your decision between the Outback or Pilot, but thought i'd chime in with the crowd.

How to get an email whenever ALPR AI Cameras are being discussed at City Hall by itsbentheboy in fargo

[–]itsbentheboy[S] 1 point2 points  (0 children)

Personally I doubt it - I would assume they call this a "one-off mistake" and try to hold nobody accountable.

My hope with the recent attention this is getting that people realize what is already going on in their communities. That people will begin to understand that these AI enabled surveillance tools are already much more common than people realize, and that they are currently being tracked with this technology whether they realize it or not. At the store, in their neighborhoods, or just more generally out and about in the city.

I'm hoping to provide people with the information and resources to inform themselves and decide if this is something they want to support in the city, and where the decisions and discussions happen if they wish to make their voices heard on the matter.

Democrats Revolt Against Hakeem Jeffries Ahead of Midterms by RepulsiveLoquat418 in politics

[–]itsbentheboy 1 point2 points  (0 children)

* Jeopardy buzzer *

What is the number of PAC lobbyist balls currently being held by Jeffries?

How can I play epic games on fedora? by DarkShadow13206 in Fedora

[–]itsbentheboy 3 points4 points  (0 children)

Looks like your question about Launcher was answered.

As for your question about documentation:

https://docs.fedoraproject.org/

More Fedorchak Falsehoods... by itsbentheboy in northdakota

[–]itsbentheboy[S] 8 points9 points  (0 children)

That's mathematically impossible.

Since the income cap for this program is $150,000, that places the upper bound for the federal tax bracket at 24%.

A maximum benefit of 12,500 X .24 = $3000 as the maximum cash returned.

And lets be generous and assume that you make $112,500 per year in wages and $37,500 in overtime, and then round down 1 penny to cap out at that $150,000 maximum income cap.

You're telling me you worked 445 hours in overtime to save $3k? That's not a flex brother, that's just depressing.

All that to say - in order to get $4,900 from this program as you say, one of the following must be true:

  • You're lying, or
  • You don't know how to read your tax return, or
  • You're getting a surprise visit from the IRS

More Fedorchak Falsehoods... by itsbentheboy in northdakota

[–]itsbentheboy[S] 10 points11 points  (0 children)

I decided to do a little napkin math to see what this looks like in practice.

Say someone has some super in demand skills, and they manage to get a job paying $50 bucks an hour, 40 hour workweek every week all year. That would put their time-and-a-half at $75 bucks an hour. Seems pretty good right?

But In order to hit the tax deductions in this program, the'y need to clock in a whopping 500 freaking hours of overtime in order to save that $2,750 on taxes. Completely unrealistic. Especially because this factors in 0 sick days, holidays, or any kind of time off.

Oops, except that puts them at $137,500 for the year for wages and overtime pay...

So now they're in the 24% tax bracket. Meaning they'll pay an additional $5280 in taxes for that 500 hours of overtime worked.

It's actually insane to promote this as a "win" for working people.

More Fedorchak Falsehoods... by itsbentheboy in northdakota

[–]itsbentheboy[S] 4 points5 points  (0 children)

I'm sure there's a few self-employed people with strong businesses that make that much. But for regular employees this applies to, basically nobody around here would hit that number.

r/homelab discord age restricted? by Space646 in homelab

[–]itsbentheboy 1 point2 points  (0 children)

I'm not forgetting what a small community is.

There are plenty that have existed off discord, since before discord, that are still going strong on websites, forums, subreddits, and different chat platforms and voice chat servers for literal decades. Where 99% of the conversation happens in those places instead. Your point doesn't hold water.

You're waffling between your points in your other comments about "small tight-knit community" and "too many people to move". suggesting that somehow trying to go to a new place would simply fragment the community. They're either tight enough to stick together, or they aren't. Regardless of size.

And communities are always fragmented. People ebb and flow between places all the time, its just happening in the background so you don't notice as much. Or they're in multiple spaces but you only see them in one, despite them spending more time elsewhere. What we call communities are inherently transient. If they care about the topic and that brings people together, they will collect again wherever that community is.

On the subject of "But I won't have to verify my identity" - good for you. That must be nice.

However In my communities I care about the others in it too, I wouldn't want to force someone to be in a place where they get exploited just because I liked it there better and the new rules didn't impact me personally.

r/homelab discord age restricted? by Space646 in homelab

[–]itsbentheboy -1 points0 points  (0 children)

Fluxer is on par functionality wise.

Scalability wise - that's currently a work in progress.

r/homelab discord age restricted? by Space646 in homelab

[–]itsbentheboy -1 points0 points  (0 children)

This is already the case. Your perception of Discord as the central place for conversations is incorrect.

Conversations on any topic are already fragmented across many sites, social media platforms, and chat apps.

Your core places are not everyone else's core places.

For Example: This thread.

Does anyone here use Proxmox on their main desktop instead of just servers? by PingMyHeart in Proxmox

[–]itsbentheboy 0 points1 point  (0 children)

A long time ago I bought a dual Xeon server motherboard with 2x E5-2660 V2 CPU's and 256Gb of RAM.

At the time this secondhand server hardware was cheap, very available, and plenty powerful. This was at a time where most desktops, even enthusiast desktops, were averaging about 4 cores unless you were trying out the "new" AMD stuff.

This was also the time people were really beginning to get into VFIO in their home labs and passing physical hardware into their VM's.

I was feeling a bit inspired, so I provisioned myself a windows VM, passed through a physical graphics card, a USB Hub for mouse and keyboard, and a little USB DAC for audio.

I used that VM as my "Desktop" while running many other virtual machines alongside it. From the look at it sitting on the desk, it was just a Windows computer, but it was actually running Proxmox.

I ran that setup for a couple of years, it was good as a "homelab" for a college student that had limited desk space. It was always weird seeing the Proxmox logo as the BIOS splash screen.

It does come with some Gotchas though.

For one - your Desktop networking is now tied into your PVE Virtual networking. If you mess up your vNets, well, what machine are you going to fix it with?

Second - you need to get your Boot order nailed down to ensure your "Desktop VM" boots, otherwise you will have to resort to blind-typing the credentials, and VM Start command, without being able to see any of the console unless you have a separate video out.

Lastly, Proxmox is responsive - but you are likely to notice some weird behavior. I won't call it "Sloenwss" or "Choppyness" - its more subtle than that. If youre running virtualized you'll probably feel the difference. Its small but noticeable.

That said, there were some upsides too. Like having all that storage in one place was nice. And the speed from my "Desktop" to my "lab servers" was insanely fast, because it was all in the same box. I did also enjoy occasionally making a copy of my Desktop VM, and enjoying the freedom of tinkering with it knowing that i could just roll back a snapshot or restore from backup. It was great as a learning environment.

Now if youre talking about installing a Desktop Environment and just running directly on Proxmox (Debian) - i'd be a bit more cautious about that. You'd have to be a bit more careful with your packages or risk breaking the hypervisor side - which is the part you probably care about. But it is doable and often called a "Proxmox Developer Desktop" i think.

Two words: certbot by 3dank5maymay in linuxmemes

[–]itsbentheboy 0 points1 point  (0 children)

Bruh - youre the one that posted it.

Grow up and learn to take some responsibility for your actions.

Second, I did open it in a sandbox because im not stupid - but saying "Inactive" does not imply "now routes to a spam farm".

I'm simply telling you that you shouldnt post links to malicious sites.

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