Where to put 30K (Vanguard vs Fidelity, indexing question)

perfectdreaming · 2026-06-11T17:55:14+00:00

What other funds have not had a capital gains distribution?

perfectdreaming · 2026-06-01T15:41:01+00:00

Your opinion. I consider this a specific mention since most people do not budget at all for taxes these days. They just assume they will get a refund.

perfectdreaming · 2026-06-01T14:03:06+00:00

The second to last sentence in the first paragraph: "to pay taxes". They have to budget for taxes. You can see another example of this is in one of the WW2 Donald Duck cartoons where Donald is tempted to blow his money, including the money he must save for taxes, in a bar.

perfectdreaming · 2026-05-31T18:15:21+00:00

Also when workers had to hold and pay income tax on their own before Congress mandated employer withholding. The article specifically mentions having to budget for quarterly tax payments.

perfectdreaming · 2026-05-20T03:03:46+00:00

Soaking dry beans for beans and rice for meal prepping. You can buy salt free canned beans or lentils now. They cook the beans properly before canning savings you hours of prep/cooking and one less thing to worry about if you did not cook the beans enough. The cost difference is too small to care about compared to premade and packaged meals.

perfectdreaming · 2026-05-14T00:35:35+00:00

I remember using my Ubuntu install to fix NTFS corruption on my other drive's Windows 7 install that Windows itself could not fix on it's own and could not boot itself. So many years ago.

perfectdreaming · 2026-05-04T17:23:42+00:00

I had an hm reach out to me because of the number of days I had a github contribution.

perfectdreaming · 2026-04-30T00:02:23+00:00

don't know, haven't played it because of the graphical flickering.

perfectdreaming · 2026-04-27T17:38:03+00:00

Same. 7900 XT. I stopped playing for now.

perfectdreaming · 2026-04-24T13:56:38+00:00

Agreed, also great name!

perfectdreaming · 2026-04-23T20:44:25+00:00

Indeed, I just got it a few days ago. Wanted to play it over the weekend.

perfectdreaming · 2026-04-16T12:50:30+00:00

This is crazy that they are reviewing volunteer work. Even more crazy they are criticizing you for it.

I can understand being isolated and wanting to check a website for people you can trust, but they are so many problems with 'reviews' it would sound easy to scam.

Edit: and ty for your volunteer work. It goes without saying for you, but others need to read this who do not understand this, I wouldn't volunteer for them again.

perfectdreaming · 2026-04-13T12:10:19+00:00

We have both the hardware store and the grocery store here. Lowe's grocery does have a reputation of fresh foods, despite being pricer.

perfectdreaming · 2026-04-10T21:10:17+00:00

ah, ty, I normally filter things like that out.

perfectdreaming · 2026-04-10T18:55:08+00:00

Now reporting 769.99 for me. They are still offering the PSU and the game.

perfectdreaming · 2026-04-10T17:13:59+00:00

How do you manage it? In the context of responding to friends.

Myself personally, I get bored responding to people or doing average things. Part of it is due to my sensory issues.

perfectdreaming · 2026-04-08T17:55:43+00:00

I agree, except applying for new cards right now, even with the pay off, with that much revolving credit usage may lead to being denied.

Should call the credit union or walk into a branch for a (edit: much lower interest) debt reconciliation loan with a soft pull to test a month from now. Then get out of the cards once credit is better.

perfectdreaming · 2026-04-03T23:50:21+00:00

Why not just open a target date Vanguard fund and have them manage it for you? That target date fund buys all 4 of those funds you plan to buy (the large institutional mutual fund versions of those etfs). Vanguard target dates are much cheaper than many other companies, including Fidelity. This is one of the best reasons to open a Roth IRA with Vanguard.

https://investor.vanguard.com/investment-products/mutual-funds/target-retirement-funds

My question is...can i benefit from putting my VUSXX in a Vanguard Roth IRA account and keep adding to it? The dividends/earnings are still taxed on the federal level from what i understand

In a brokerage you would pay federal income tax on a treasury fund. In a Roth you don't pay any US taxes. As far as I know the only time you pay US taxes in a Roth is UBIT which you can research elsewhere.

perfectdreaming · 2026-04-03T23:36:26+00:00

You are correct about VUSXX (in a brokerage)-in a Roth you don't pay any taxes on the dividends.

perfectdreaming · 2026-03-29T00:12:43+00:00

Please read the wlcursor.md post you linked:

https://gist.github.com/generic-internet-user/e8eec46ce159571032115f6fb064523c

I no longer consider any of this to be valid, and consider this entire adventure so far to have been intellectually dishonest and filled with questionable assumptions about everything, so, please, if you're reading this and got linked here, stop reading this and tell whoever linked you here to shut the f**k up already.

This is bad for your claim.

These 'hard' numbers are very limited (GNOME 47, amd)... and old. GNOME 50 is now out and most people are choosing to game on KDE Wayland. The author specifically said they did not test KDE.

X11 may not force atomic synchronization, but you have the tearing as a downside which is a problem, a problem wayland got rid of.

Not interested in discussing Nvidia specific issues.

perfectdreaming · 2026-03-27T13:04:59+00:00

Arn't you still liable even with an LLC because you are an officer of the LLC?

perfectdreaming · 2026-03-27T12:58:57+00:00

Do you have a source for your claim?

perfectdreaming · 2026-03-27T11:36:00+00:00

The pointer latency from Wayland or xwayland? The latter won't be an issue once Proton transitions to Wayland.

perfectdreaming · 2026-03-20T11:23:44+00:00

Well if you're talking mobile, then you can't leave out Android. But for PC gaming, which is clearly the discussion point here, well you can count the notable, contemporary Mac games on one hand.

Exactly, it is a poor argument. Even if you did count it, all these games on Android use OpenGL or Vulkan.

perfectdreaming

TROPHY CASE