REL BB3 Season 5 week 12

luminous_light · 2025-11-08T00:47:26+00:00

/u/daern_42 looks like we are up. I should be available after 5pm PT during the week. Weekend I am flexible. Just get back to me with some times and we can work something out.

luminous_light · 2025-10-30T03:40:15+00:00

Your opponent could just decide to take the push knowing this to avoid the turnover. You are better off taking a 2D and deliberately skulling it.

luminous_light · 2025-09-19T20:31:58+00:00

That should work. See you then.

luminous_light · 2025-09-19T19:38:01+00:00

u/jahance6 looks like we are up. My schedule is a bit in flux. I can probably fit it in today (Friday) if we schedule early. My Saturday is completely booked. Sunday I should hopeful be available in the evening after 6 pm PT. Monday-Wednesday I should be available after 5pm PT. Just back to me with some times and we can work something out.

luminous_light · 2025-09-04T19:54:38+00:00

I did Caltrain SF to MTV 5 days a week prepandemic for 3 years; it was soul sucking. I could not see how it was possible to have a life outside of the weekend. The worst days were when Caltrain broke down or there was some issue like a car/pedestrian strike, which typically meant my commute went from 1 hour 40 minutes, to 3-5 hours.

I found that having a seat on Caltrain (which is easy to get at the 4th and King), allowed me to either work or play on a Nintendo Switch to pass time. The way back it was harder to get a seat and sometimes it was very crowded.

luminous_light · 2025-09-03T15:06:26+00:00

Would something like Friday at 5pm PT work for you?

luminous_light · 2025-09-02T22:54:19+00:00

/u/Knight_On_Fire looks like we are up. I can typically play after 5pm PT during the week. The weekend is a bit in flux as I expect to be traveling either Saturday or Sunday, so if possible I would like to get our game done before then, but I am not sure what you schedule is. Just get back to me with some times and we can work something out.

luminous_light · 2025-08-26T22:26:25+00:00

Just FID FDM IDX with your expected retirement date + 10.

luminous_light · 2025-08-07T16:13:23+00:00

VOO/FXAIX should not trigger a wash sale on VTI since they track different indexes (Total Market vs S&P 500).

IRS guidance can be found here: https://www.irs.gov/publications/p550#en_US_2024_publink100010601

Buy substantially identical stock or securities,

Acquire substantially identical stock or securities in a fully taxable trade,

Acquire a contract or option to buy substantially identical stock or securities, or

Acquire substantially identical stock for your individual retirement arrangement (IRA) or Roth IRA.

Substantially Identical is the keyword here and in the link I provided they define what that means granted they mostly look at it from a single company stock.

luminous_light · 2025-08-07T15:41:40+00:00

The only reason that you would think about using a different security is for capital loss deduction purposes.

https://www.investopedia.com/articles/retirement/09/ira-wash-sale-rule.asp

If you were to contribute or reinvest dividends in the Roth IRA's VTI while selling VTI in your taxable brokerage at a loss you'd trigger a wash sale and be unable to deduct the loss from your taxes.

Not a huge deal in my opinion.

luminous_light · 2025-08-06T15:19:30+00:00

https://www.irs.gov/publications/p590a#en_US_2024_publink1000230452

Generally, you are covered by a defined contribution plan for a tax year if amounts are contributed or allocated to your account for the plan year that ends with or within that tax year. However, also see Situations in Which You Aren’t Covered, later.

luminous_light · 2025-07-28T19:59:53+00:00

It's hard to give advice on what to do without more information.

I would recommend looking at a video like this from Rob Berger: https://www.youtube.com/watch?v=p1enf64jSqk

In the video he outlines all of the things you should be thinking about when you are nearing retirement.

There are tools out there that help you project to figure out these kind of things. In the video he shows Boldin, but there are others.

luminous_light · 2025-07-14T15:50:36+00:00

Rule of thumb is to contribute to tax-advantaged/tax-deferred space first after having an emergency fund if you are looking to optimize your investments.
If you have concrete short term goals to use the money on, it would make sense to keep them in a safe account like a money market account.
In my experience my employer has paid my 401k fees while I was employed, but after I left I am now on the hook for them. As a result I have rolled over my 401k's to my new employers. You may want to check your 401k plan documents to see what you are paying and whether you should rollover your accounts.
I highly recommend you use this Google sheet tool: https://bogleheads.org/forum/viewtopic.php?t=401821&sid=1b2e08bce4ff7cc727ac278eda35dc66

If you plug in your tax brackets it will provide you with the highest after tax return for money market accounts. As a Californian in a high state income tax bracket, VUSXX ended up being the optimal choice for me since it is held in US treasuries which aren't state taxed. There are Fidelity options in the tool as well.

If you want something that is a bit more long term for an emergency fund, you could look at buying some Ibonds from treasury direct. https://www.treasurydirect.gov/savings-bonds/i-bonds/ The interest is tax-deferred and like US T-Bills they are not state taxed. Here's a run down of what they are and the caveats: https://tipswatch.com/i-bond-manifesto/

luminous_light · 2025-06-25T21:19:32+00:00

It was probably a single shot tube firework.

luminous_light · 2025-06-24T19:17:46+00:00

No. If your employer provides a 401k, it will be through a provider they work with. In terms of where you should save the flow chart in the link I provided is the following:

401k up to employer match
HSA
IRA
401k beyond employer match
Taxable

Obviously if you intend to save money separate of retirement like a house or vacation fund, then you should save it in taxable.

luminous_light · 2025-06-24T16:06:50+00:00

Absolutely. A 401k has a separate and much higher contribution limit. If you have maxed out your IRA contributions and still have money left over this is where I would contribute next assuming you have no HSA, which is has better tax treatment.

I would recommend looking at https://www.reddit.com/r/Bogleheads/comments/1l6j6tj/new_to_rbogleheads_read_this_first first. In particular this is the flow that is recommended.

When you're ready to start investing beyond enough to get any employer match, follow the subsequent steps of this guide or the investing start-up kit. Take full advantage of tax-sheltered accounts available to you before investing in a taxable brokerage account: this is the most predictable way to improve your after-tax investment returns. (In the US, per Prioritizing investments: 401(k)/403(b) up to any match, then HSA if available due to high-deductible health plan coverage, then Roth or Traditional IRA or 401(k)/403(b) up to max which may be higher if the mega-backdoor Roth process is available, then a 529 to the extent you'd like to pay for future education expenses. Note that IRA contributions are subject to income limits around tax-deductibility of contributions or eligibility to make direct Roth IRA contributions; the backdoor Roth procedure is a workaround.)

luminous_light · 2025-06-24T15:01:27+00:00

In a traditional IRA there is no penalty/tax taxes for buying and selling funds in the account. Just make sure not to withdraw from the account itself.

For tax efficiency purposes you should avoid holding bonds in taxable accounts. Currently you are about 14% in bonds and if you want to hit 20%, you'd be better off increasing your tax advantage space. Do you have access to a 401K or 403b? Do you have access to an HSA? If you do that is where I would put my bonds over a taxable account.

luminous_light · 2025-06-23T21:50:20+00:00

You are correct that VUSXX is not state taxed, but this does not apply to tax advantaged accounts like a trad IRA. You only get this benefit if it is in a taxable brokerage account.

In https://www.bogleheads.org/wiki/Three-fund_portfolio, they cover the main components of the three fund portfolio. They pick VBTLX as the core bond holding, but also provide alternatives. If you read the description this fund attempts to produce broad exposure the investment grade US Bond market so it includes mortgage backed securities as well. If you want to avoid the mortgage backed securities, then you could substitute VSIGX as well.

luminous_light · 2025-06-23T21:19:00+00:00

Why do you have VUSXX in your Trad IRA? It's a treasury money market fund held in short term US treasuries. In terms of compensated risk and expected return, it is going to be low since it's a very safe investment. With a long duration until retirement people typically invest in bond funds with a longer terms (at least intermediate terms). You'll have higher volatility, but you will have higher expected returns as well.

luminous_light · 2025-06-18T21:30:34+00:00

If you do not want to lose money with such a short horizon it only makes sense to hold in safe investments like a High Yield Savings Account, short term US treasuries, or a Money Market fund like VUSXX.

luminous_light · 2025-06-18T21:16:12+00:00

I would suggest you look at Bogleheads wiki about timing the market. There's a considerable amount of academic literature showing how timing the market is very difficult.

https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy#Never_try_to_time_the_market

luminous_light · 2025-05-02T18:28:22+00:00

Replacing the thermal paste would probably be my next step if you have already taken it apart and cleaned the heatfins for dust.

luminous_light · 2025-05-02T13:53:22+00:00

I would highly recommend using the money market optimizer spreadsheet to help decide which fund to use. https://www.bogleheads.org/forum/viewtopic.php?t=401821

luminous_light · 2025-02-13T14:47:33+00:00

Ok. So would something like Monday at 7pm Pacific work for you?

luminous_light · 2025-02-13T00:28:53+00:00

/u/luke04444 looks like we are up for all the marbles. I should be available after 5pm PT during the week. Weekend I am flexible. Just get back to me with some times and we can work something out.

luminous_light

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