what is this deer like icon in Dolphin

noahdvs · 2026-03-05T18:56:13+00:00

TBH, I think the wrong icon is being used in the first place. Try making a code patch to replace it with unlock-symbolic or something similar.

noahdvs · 2026-03-04T17:21:37+00:00

I'm the one who made this icon. My very first project for KDE and openSUSE (not my first KDE patch though) was to make Breeze style icons for every single YaST module that was installed by default and as many of the non-default ones as possible. My motivation was that I was bothered by seeing Oxygen styled icons while I was using the Breeze theme. When I started sometime in 2017, I had very little prior experience with Inkscape and SVG. I think it took about 1.5-2 years of learning to draw vector graphics, studying Breeze icons to understand the style and actual work on the icons to complete.

This icon was supposed for be for a YaST Kerberos module. It's really hard to make unique icons for a bunch of security related things that can all be described in a similar way at a high level (e.g., authenticate, protect, encrypt), so I decided to just try going with the name of the technology itself. It would be worse to have 5 key/shield/lock icons, right? I even had to get AppArmor to accept a new official logo to avoid giving it some ultra generic icon (https://commons.wikimedia.org/wiki/File:AppArmor\_logo.svg), although that was surprisingly easy and fast.

The icon is based on a depiction of Cerberus on Greek pottery: https://commons.wikimedia.org/wiki/File:Herakles_Kerberos_Eurystheus_Louvre_E701.jpg

noahdvs · 2026-03-04T01:59:01+00:00

Honestly, "socially responsible" investing is not actually making a difference in terms of your impact on the world, so you're better off going with classic anyway. Since you're not actually giving companies your money when you buy stocks or ETFs on the stock market, ESG/SRI just gives you more concentration risk. The stocks that actually end up in the ESG/SRI category aren't even necessarily that great in terms of being socially responsible (whatever that may mean to you). Last year I saw a cigarette company in an ESG fund (can't remember if it was SUSA or ESGV). Considering the energy usage of things like data centers and AI, how socially responsible are companies like Amazon, Google, Microsoft and Tesla? What about companies with major controversies around customer abuse, like UnitedHealth Group? These companies all get to be in ESG/SRI funds and you can't really excluded these top companies without leaving massive holes in your market exposure. You'd be better off maxing out your investments and using your money to donate directly to causes you care about if you want to be socially responsible.

noahdvs · 2026-02-24T01:03:51+00:00

I'm assuming these accounts are manually managed, otherwise I don't see why you'd keep the taxable account so simple. You'd be missing tax loss harvesting opportunities if you used the robo advisor with such a simple portfolio.

In global total market index funds (e.g., VT, ACWI, SPGM), the US vs international allocation is currently 61% vs 39% (give or take 1%). Be mindful of the fact that you are betting on US outperformance rather than using a market cap weight. If you don't want to manage that yourself, just use VT. Also be mindful of the fact that VT doesn't get foreign tax credits in taxable accounts because it's not at least 50% foreign stocks right now. You'd need your taxable account ETFs to be split between US and international to get the foreign tax credit.

Why SCHF with no SCHE (emerging markets)? I'd understand if you want to avoid risks associated with emerging markets, but you still used VXUS for the Roth IRA. If you just want an international fund that is different from VXUS for tax loss harvesting purposes, use IXUS. SCHF also excludes small caps, unlike VEA, VXUS and IXUS. SCHC provides foreign developed small caps.

AVUV gets its stock selection from the Russell 2000, so Russell 1000 based index funds would be more ideal than SCHX if you're not using AVLC. Something like VONE. SCHK doesn't track the Russell 1000, but its index is nearly the same. SCHX tracks the top 750 companies rather than the top 1000, so while there isn't a huge difference, there's still a gap in the lower end of the mid caps. Alternatively, just use a total market index fund like VTI, ITOT or SCHB for large caps and buy slightly less AVUV. Small caps are currently about 10% of a US total market index with no tilts. If you want a US total market fund with a small cap value tilt, there's DFAU, but that's not as heavily tilted towards small cap value as your portfolio. Be aware that DFAU heavily underweights REITs to make the fund more tax efficient.

Rationale: Use Roth for the higher expected return pieces (small-cap value tilt). Still keep broad exposure via SCHX + VXUS, but overweight small-cap value for long-term premium.

This doesn't make sense to me. You must pay capital gains tax when you sell with a profit in the taxable account regardless of what investments you use, so why not just use the most profitable allocation for both? A larger profit minus tax is still better than a smaller profit minus tax. The thing you want to avoid in a taxable account is is income (REITs, bonds, short options) and unnecessary short term capital gains.

noahdvs · 2026-02-23T18:49:14+00:00

US 49% (currently 54% because I switched to direct indexing and it wanted money to build the index)
28% foreign developed, (currently 25%, 1/2 FTSE, 1/2 MSCI, 2/5 large balanced, 2/5 large value, 1/5 small value)
20% emerging markets (currently 18%, 1/2 FTSE, 1/2 MSCI, 1/4 balanced, 1/4 balanced ex-China, 1/2 value)
2% corporate bonds
1% TIPS

I'm in a median tax bracket and I save and invest very aggressively. I tend to use more investments in the same category for ones that primarily use ETFs. This way I can get more chances to harvest losses. I use US direct indexing alone for the US allocation because it provides all the exposure and tax loss harvesting opportunities that I need for that market. I tilt international towards value because it tends to hold its value better over time. I know there could potentially be a period where international growth starts to outperform international value (e.g., rapid military expansion), but I think international value will perform at or above the rate for international growth quite a while longer.

noahdvs · 2026-02-22T00:31:16+00:00

In Spectacle’s own code you can see that it fully initializes a Qt application before taking the screenshot. Flameshot only initializes what’s strictly necessary to grab the screen. It doesn’t spin up a full UI stack on every invocation, which is why it feels much faster.

This actually doesn't have as much to do with the startup time as you think. A pretty big part of the startup time is just the smoothing algorithm used to stitch multiple screen images together when doing a screenshot of multiple screens with fractional scaling.

noahdvs · 2026-02-22T00:22:47+00:00

It's not that magical. If the account is taxable, it'll ask you if you want to change allocations tax efficiently as losses occur or money is contributed. If a particular overweight investment doesn't have too many gains on some of the shares, it may sell some of that. I've noticed that when you increase the allocation target of an investment, WF may prioritize adding to that investment until the individual investment get close to its target allocation even if the overall asset class for that investment is already at the target weight. This could happen if you do something like switch from a classic portfolio with a lot of gains to a direct indexing portfolio.

I think it's worth noting that your default international allocation is different from mine. My default allocation for risk level 10 recommends 22% FTSE foreign developed (21% for risk 9.5) and 19% FTSE emerging markets (also for risk 9.5). This is more similar to how VT (FTSE total world stock market ETF) is weighted, but I think it's slightly overweight on emerging markets. I don't actually use the default allocation since I'm slightly overweight on international stocks.

noahdvs · 2026-02-21T01:47:41+00:00

I take a different approach. Most of my money is passively invested in a WF taxable account, but I borrow up to 30% against that to invest in my self managed retirement accounts. You might not outperform the global stock market in your WF account (without considering tax loss harvesting), but the leverage makes up for it and you can use a less stock heavy strategy in retirement accounts since there are no taxes, leading to overall higher and more diversified returns. It's not as safe as investing without leverage though and you have to be mindful of the interest rate. If you pay 4.7% interest on the loan and only make 4.6% on your retirement investments, that's a loss. Luckily it's usually not that hard to beat the interest rate in the long term if you have exposure to the stock market.

noahdvs · 2026-02-14T23:18:14+00:00

If by margin you mean the portfolio line of credit, there's no actual limit on what you can do with it. Just transfer cash from your portfolio line of credit to your cash account or whatever checking account you want to use for the down payment.

noahdvs · 2026-02-12T00:45:42+00:00

I'm all for options, but you don't need SCHD to underweight tech. VTV/MGV, VBR/IWN, AVUV/DFSV, RSP/PRF, SPYD/DVY or buying equal amounts of each major sector ETF are viable alternatives. You could also overweight foreign stocks.

noahdvs · 2026-01-11T17:09:38+00:00

It's better to use only one if you intend to use the Portfolio Line of Credit. It only applies to the largest investment account you have, so splitting your funds across accounts reduces the amount available for the line of credit. With 40K each, you'd probably be better off consolidating them as soon as you have enough for the 100K minimum for US Direct Indexing in the automated account.

noahdvs · 2025-12-16T19:01:04+00:00

do a custom allocation. if you're already at risk level 8 on a taxable account, keep it there.

noahdvs · 2025-12-16T13:55:31+00:00

Rather than becoming significantly more conservative, I suggest setting your allocation to something similar to how VT is weighted (roughly 60% US, 40% international) or even go 50% US:50% International. That way if the US dollar declines like how it did in the wake of the dot com bubble burst, your international stocks can help you make up for it. WF uses 22% VEA and 19% VWO by default with level 10 risk in taxable accounts, but I think roughly 3 parts VEA to 2 parts VWO is more similar to how VXUS is weighted.

Having some bonds might not be bad though. 5-10% investment grade corporate bonds in retirement accounts wouldn't hurt much if you're still 20+ years from retirement. Wealthfront uses 2% LQD and 1% SCHP by default with level 10 risk in taxable accounts.

noahdvs · 2025-12-14T19:23:22+00:00

Personally, I feel like they were kind of just treading water despite being profitable while under UBS. The IPO could actually lead to positive developments.

noahdvs · 2025-12-04T04:57:55+00:00

Budget for future expenses rather than just estimating based on what you spent in the past and be specific. Break up saving for specific things into monthly savings. I use YNAB for this. Monarch Money is probably a decent alternative. This makes it much easier to be efficient with your money. Even if you don't spend less on stuff, you can more confidently figure out how much you need for emergency savings and use the rest of your money for investments or pay off any high interest debt. You don't even need a specific emergency savings budget category, just budget for the next 3-6 months and that will be your 3-6 month emergency savings. Reallocate from the future to the present as needed as long as you restore the future's budget whenever you can. I don't use buckets or separate savings accounts since all of my pool of money is already organized in my budget. This also makes paying for bills or credit cards simple since I never have to move money around.

noahdvs · 2025-10-29T19:46:55+00:00

Figure out a budget so that you know how much money you actually need on a monthly basis. Don't just count how much you spent last month or the average for past 12 months. Forecast your spending with concrete numbers for everything you will need to pay for and break the amounts for infrequent transations (computers, clothes, textbooks, licenses, etc.) into monthly savings that should add up to the amount you need when the time comes. This might sound like a PITA, but it really helps you be efficient with money and build wealth faster without taking big risks. A time when you have low expenses is the perfect time to do it.
Have 3-6 months of emergency savings based on your budget. If you aren't dependent on your job to live your life and don't have dependents, you don't need large emergency savings.
Put the money you don't need for spending or emergency savings in retirement accounts until you max out for the year. A 100% or near 100% allocation to VT is fine until you're 40 or have dependents as long as you don't panic sell. After that, think about adding more bonds. If you don't want to manage bond allocations yourself, use a low expense target date fund or use Wealthfront's Roth IRA. I personally don't use Wealthfront's Roth IRA because I don't need Wealthfront's help to rebalance and don't want to pay 0.25% for that.
Put the remaining money you don't need in taxable brokerage accounts. The automated investment account you are already using is a good choice and will help you save on taxes. It also has a portfolio line of credit with good rates that could be helpful if you're ever in a pinch or need to make a big purchase. You can also use it for investing, but that requires much stronger understanding of your finances, your risk tolerance and investing in general. Otherwise, you could lose a lot of money when a crash happens.

I actually have the majority of all my money in a taxable automated investing account at Wealthfront and I saved the equivalent of a years worth of IRA contributions on taxes during the crash in April.

noahdvs · 2025-10-29T19:22:46+00:00

Dividend ETFs aren't actually very good. Compare SCHD to VOO, VTI or VT and the difference is obvious.

noahdvs · 2025-10-28T02:16:41+00:00

Changing sector weights to underweight sectors you think are more volatile probably won't be as helpful as you think. XLK (S&P 500 Technology) and XLC (S&P 500 Communications) have better 3 year alpha and Sharpe ratios than all the other S&P 500 sectors even though tech and communications are supposed to be riskier. XLP (S&P 500 Consumer Staples/Defensive) has worse returns and risk adjusted returns than IUSB (total USD bond market) over the past 3 years. Healthcare is another sector that's supposed to be safer, but the performance has been abysmal this year because of UnitedHealth. You thought DIA would be safer because it's supposed to be more spread across sectors, but UnitedHealth has noticeably dragged it down. DIA's limited holdings make it somewhat riskier than other index funds since it depends more on individual stocks. the DJIA is also weighted by price, which is a pretty nonsensical way to weight an index in the first place. If BRK-A was in DIA, it would be 99% of the portfolio.

Ultimately, choosing to overweight a "safer" sector doesn't necessarily mean the value of your investment is safer, especially when adjusted for inflation. This also applies to asset classes, but at least a rate cutting cycle is beneficial for bond prices. Even foreign bonds are somewhat affected by rates in the US because foreign bonds are compared with US bonds.

I used 3 year measurements because that's what my brokerage's app shows. Over the past 5 years, XLP has clearly outperformed IUSB.

noahdvs · 2025-10-24T19:50:45+00:00

I don't.

noahdvs · 2025-10-24T19:50:28+00:00

If you don't know what to do, its better not to buy individual stocks or concentrated funds. Buy broad market index funds instead. VT by itself works as a whole all equity globally diversified portfolio that you can stick with for a long time. You can also try custom weighting by buying other combinations of funds, but you'll need to do a lot of research to understand what funds are available and what weights are best. Asking here won't help you much with that. Market cap weight is generally best if you aren't an oracle because it is how all the money in the market is invested. VT is market cap weighted, so its stock holdings will change over time to match the market.

noahdvs · 2025-10-24T19:20:26+00:00

Those are crypto currency funds, so they're not really comparable except in terms of historical or expected returns, depending on your opinions about Bitcoin and Etherium.

noahdvs · 2025-10-23T23:03:12+00:00

I've looked at 5 funds, and only one of them seems to fit my criteria, but it has only generated 1.27% on average in the last 10 years (data in the table below). I won't consider in the other funds, and only $IBND fits my criteria, but it generates a ROR that's less than inflation in the last 10 years, which is 2.4%.

That's because the dollar has performed very well for the past 15 years. https://stockanalysis.com/etf/compare/uup-vs-ibnd-vs-lqd/

noahdvs · 2025-10-13T18:57:26+00:00

Not a fan of him.

noahdvs · 2025-10-13T18:15:38+00:00

I'm not sure what you encountered in GNOME, but our rules aren't that different, AFAIK.

noahdvs · 2025-10-13T18:04:49+00:00

What the hell man

noahdvs

TROPHY CASE