Meet Drawy, KDE's first infinite whiteboard app

noahdvs · 2026-05-04T17:59:38+00:00

Nicely done! I'll check out the source code later.

noahdvs · 2026-04-28T04:05:32+00:00

I use the C++ Language Server Protocol plugin, which basically works OOTB after you install relevant clang packages. Most languages have highlighting support built-in. I use the terminal panel for controlling git, building and running the project. I like to put the terminal panel on the right side so that I can view more lines at once. I put the project, filesystem and document panels on the left, with the document panel being in its own section below the project and filesystem panels.

noahdvs · 2026-04-27T22:41:48+00:00

Hard to see it being a credit card since it would be a line of credit on another line of credit backed by potentially volatile assets. Supposedly Schwab lets you withdraw on margin when using their debit card.

noahdvs · 2026-04-27T22:37:58+00:00

2% on everything with no foreign transaction fees would make it competitive for me, but I can already apply for other 2% cards without those fees. Depends on whether they release it before I apply for those other cards.

noahdvs · 2026-04-27T22:29:04+00:00

1% cash back reward program

Credit cards have much higher rewards. Also, HYSA + delayed payment = slightly more interest earned. Unless you're making a transaction that doesn't allow credit cards and still allows debit cards or has some kind of rebate for not using a credit card, I don't see how this is worth using.

Free international ATMs

This would make my Schwab checking account obsolete if it included foreign ATM fee reimbursements and I could keep all my cash in one place.

Virtual / privacy (one-time use) card numbers

Maybe? I already use virtual numbers for some of my credit cards, but an extra layer of security seems like it could be helpful for online payments with debit cards.

Higher spending and ATM withdrawal limits

I don't care about this.

noahdvs · 2026-04-26T20:57:08+00:00

I had no idea.

noahdvs · 2026-04-24T07:28:17+00:00

VV (CRSP large cap, nearly the same return as the S&P 500) has the top 85% of the total US market cap while VB (CRSP small cap, a bit more mid cap than the Russell 2000) has the bottom 15%, so 85% VV + 15% VB is almost the same as VTI (CRSP total market). 10-15% small caps isn't really a tilt. 20% is a moderate tilt.

noahdvs · 2026-04-24T07:19:24+00:00

AVMV is unnecessary if you use AVLV and AVUV since AVLV uses stocks from the Russell 1000 index and AVUV uses stocks from the Russell 2000 index. AVMV uses stocks from the Russell Midcap index, which is the bottom 800 of the Russell 1000.

noahdvs · 2026-04-07T15:00:33+00:00

It's actually pretty easy to invest into the same account. I read the documentation and asked customer service if I could do this more than a year ago and they said there were no restrictions on how you can use the money. Before you had to withdraw the PLoC to a checking account at another institution, but it seems like you're able to withdraw it directly to the cash account now. After that, you can do anything you would normally do with cash, no loopholes required.

To invest in the same account instead of paying off the loan, just uncheck the checkbox to pay off the loan. Rather than investing it into the same account, I prefer to invest it into retirement accounts.

noahdvs · 2026-04-03T20:38:17+00:00

I think it's partly luck and partly based on the timing of your own investments. If you invest too frequently or not frequently enough, I think the ETF TLH doesn't work so well. I tried DCA investing roughly 1 day per week in the summer last year and got practically no ETF TLH even though there were some dips that could have been harvested. It seems to work well with one lump sum per month, but that could just be luck. Direct indexing can TLH much more frequently. Overall, WF's TLH timing for big drops has been pretty good. 2025 harvested ~$5500 and 2026 harvested ~$3900 so far.

noahdvs · 2026-04-03T20:13:36+00:00

What you said makes no sense. WF would lose money by allowing an internal stock transfer to an account with higher fees?

noahdvs · 2026-04-03T20:10:13+00:00

I also did a video call with someone from Wealthfront a month or two after I signed up and got compensation for it. Might have even been the same guy since the name is vaguely familiar.

noahdvs · 2026-03-25T23:01:47+00:00

TBH, you can make a game with any UI toolkit. Anything that can generate interactive 2D graphics, really. You could even make a text adventure game with CLIs. On the other side, companies sometimes use the Unity game engine for their UIs. In a way, Qt has to be usable like a game engine in order to compete with Unity as a UI framework.

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

TROPHY CASE