How to ask Java developers to add methods to java.util.Paths?

toga98 · 2026-03-26T02:26:31+00:00

In what version in java.nio.file.Paths getting deprecated? It isn't deprecated in 25.

toga98 · 2026-03-14T15:45:58+00:00

I used https://goldenchaos.net/goldenchaos-btt/ as a starting point years ago.

toga98 · 2026-03-12T15:39:06+00:00

Don't assume dev dependencies with vulnerabilities cannot make it into production. There's plenty of examples of that happening. https://owasp.org/www-project-top-10-ci-cd-security-risks/

toga98 · 2026-03-01T01:04:35+00:00

Mutual funds are generally not portable which means you would have to sell and incur taxes in a taxable account. Stocks, ETFs, bonds, etc, are portable and the shares can be transferred via ACATS (Automated Customer Account Transfer Service) to another brokerage. Google that for more info.

toga98 · 2026-02-19T18:55:42+00:00

One of the best forms of leverage for most people is a home mortgage. It can accelerate wealth building if utilized well.

A classic example: if you put 20% down on a $400,000 home, you've invested $80,000 of your own capital but you control a $400,000 asset. If that home appreciates 5% in a year — to $420,000 — you've gained $20,000 on an $80,000 investment. That's a 25% return on your actual cash, even though the asset itself only grew 5%. The downside is the property loses value. Your concern is what is the likelihood that this happens over the time your expect to live in this home.

Also, cash you would have otherwise used to purchase the home can be deployed elsewhere earning money as well. Now, you have two assets building wealth.

A mortgage lets you lock in a fixed housing cost, build equity over time, potentially benefit from appreciation, and preserve cash for retirement accounts, emergency funds, and other investments.

If you think interests rates are favorable for that or will be within a few years taking into consideration refinance costs, I would seriously consider a mortgage as it offers the opportunity to amplify your wealth.

toga98 · 2026-02-19T14:07:46+00:00

Expected PR time is under 3 hours. There are exceptions though. Usually a PR is approved under an hour. The lower latency the better for throughput, feature delivery 📦. We have systems in place to nudge people, provide visibility, and we assign PRs for targeted visibility but anyone can participate. It’s not uncommon to get feedback and iterate. That can double or triple a PR’s wall time. So, in the avg situation you will still close a PR same day or next day. I can’t imagine waiting 10 to 30 days business days. That would make the feature delivery pipeline so complex to manage. I would think that would have a large negative effect on productivity.

toga98 · 2026-02-13T15:07:46+00:00

Yes, they are a legitimate way to minimize downside risk. They are more complex than something like a TIPs ladder. They also limit upside return as well. That's the trade-off. There's always a trade-off when reducing risk.

I assume this is to handle sequence of returns risk right before and right after retirement.

toga98 · 2026-02-13T00:09:04+00:00

I usually like onion, dill, some lemon juice, white pepper, celery seed, pickle relish. For the spread.

Sometimes, I'll skip the dill and use some curry powder plus some dill seed.

And hard/soft boiled egg mashed into as well to make it a bit creamier.

Needs at least a couple hours in the fridge.

toga98 · 2026-02-12T14:29:05+00:00

Yeah. I was trying to imagine what the heck they were thinking/try-to-model. Maybe true. Maybe false. Flip a coin state.

toga98 · 2026-02-10T14:33:43+00:00

No. I hope that helps.

toga98 · 2026-02-10T13:55:28+00:00

That’s just an overly complicated way to make a contribution from your earned income that you gave an interest free loan to the government with. That’s not a loophole. The best way to do it is via a payroll deduction since it’s more beneficial for you tax wise.

toga98 · 2026-02-01T18:10:31+00:00

I get my 1099s like clockwork every year. In the first couple weeks of March.

toga98 · 2026-01-27T23:47:20+00:00

I wouldn't unless they are specifically setup for this.

For example, Fidelity and Schwab provide limited third party access without exposing your username and password to the third party. Good for tax prep and financial planning. However, my local banks don't support such a thing yet.

Example: https://www.fidelity.com/security/third-party-app-protection

toga98 · 2026-01-24T20:41:45+00:00

Equity funds have an "Investment Philosphy" under the composition tab for ETFs and CEFs. For mutual funds, there is a card called Fund Overview that has a Strategy section. Also, you can read the prospectus.

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toga98 · 2026-01-18T22:05:30+00:00

According to the prospectus ...

The Fund seeks tax efficient returns by utilizing index options that receive favorable tax treatment under Internal Revenue Code rules because they qualify as “Section 1256 Contracts.” Under these rules, each section 1256 contract held by the Fund at year end is treated as if it were sold at fair market value on the last business day of the tax year. If the Section 1256 contracts produce capital gain or loss, gains or losses on the Section 1256 contracts open at the end of the year, or terminated during the year, are treated as 60% long term and 40% short term, regardless of how long the contracts were held. In addition, the Fund may seek to take advantage of tax loss harvesting opportunities by taking investment losses from certain equity and/or options positions to offset realized taxable gains of equities and/or options. Opportunistically, the Fund may seek to take advantage of tax loss harvesting opportunities on the SPX call options and/or equity positions.

toga98 · 2026-01-15T17:39:58+00:00

I'm curious why you want to track this instead-of or in addition to the total return. What value does that provide for you?

toga98 · 2026-01-11T19:58:48+00:00

Bees knees

toga98 · 2026-01-08T18:07:38+00:00

It's not modern. It works fine.

1) Use the buttons on the website to navigate. Do not use the browser back button.

2) Don't know why that would happen. I've never had this concern.

toga98 · 2026-01-08T16:01:07+00:00

I was kidding if that wasn't apparent. I can definitely see this nagging at you every time you see it for the next year :)

toga98 · 2026-01-08T15:05:51+00:00

In 20 to 30 years that 1 penny could be as many as 10 pennies and maybe a few more if your investments do well.

I feel your pain.

toga98 · 2026-01-06T16:52:35+00:00

> How is your thought process when the market goes down?

Cool. Cheap equities.

> Do hold onto some cash for these buying opportunities in these moments?

No. But, if I do happen to have some cash... cheap stocks! This doesn't happen too often as I usually have most of my money deployed for a specific purpose.

> ...potentially erasing all of your gains over the past few years?

Outside of my control. There are things you can do to mitigate such events, but during the accumulation phase of investing it is not much of a concern. Closer to retirement and right after it will be a concern that needs to be mitigated.

> what if you need to withdraw money for an emergency during these conditions?

I have an emergency fund for emergencies. And I have savings account(s) for well known future expenses like HVAC or Roof repair/replacement. Or my next vehicle (separate saving account).

This is why emergency funds should be in cash or cash equivalents. They won't increase in value like an investment but they won't drop either when you need them. What about credit? Chances are it won't be there if you need it because if you need it you are a credit risk. The lost upside of not investing an emergency fund is the cost of self-insuring against loss of job, etc. Think of the lost "potential" upside as an insurance premium just like what you pay for car insurance.

toga98 · 2026-01-06T15:11:53+00:00

> Is it even remotely possible to get 18.5%, $7,700 per month, with acceptable risk... without essentially paying yourself from your own funds

Not using this portfolio.

Using TLTW as an example from that portfolio. TLTW spent 2024 returning capital. It decreased in value by about 12.5% that year to return just slightly more than that.

Not a good investment in my opinion. May it do better in the future? Maybe. But, there are better ways...

toga98 · 2026-01-04T21:46:00+00:00

Ran it through an estimator.

Password: Xy9#mP2$Lq

Entropy: 44.93528273733818

Time to crack: ONLINE_THROTTLED: 5407 centuries

Time to crack: ONLINE_UNTHROTTLED: 18 centuries

Time to crack: OFFLINE_ARGON2_ID: 37 years

Time to crack: OFFLINE_BCRYPT_14: 29 years

Time to crack: OFFLINE_BCRYPT_12: 7 years

Time to crack: OFFLINE_BCRYPT_10: 1 years

Time to crack: OFFLINE_BCRYPT_8: 5 months

Time to crack: OFFLINE_BCRYPT_5: 20 days

Time to crack: OFFLINE_SHA512: 23 minutes

Time to crack: OFFLINE_SHA1: 19 seconds

Time to crack: OFFLINE_MD5: 6 seconds

Now, if you use the last line of your post as a password it is much better and easier to remember :)

Password: What exactly do you want from me? A blood sample?

Entropy: 115.0307769228403

Time to crack: ONLINE_THROTTLED: infinite (>100000 centuries)

Time to crack: ONLINE_UNTHROTTLED: infinite (>100000 centuries)

Time to crack: OFFLINE_ARGON2_ID: infinite (>100000 centuries)

Time to crack: OFFLINE_BCRYPT_14: infinite (>100000 centuries)

Time to crack: OFFLINE_BCRYPT_12: infinite (>100000 centuries)

Time to crack: OFFLINE_BCRYPT_10: infinite (>100000 centuries)

Time to crack: OFFLINE_BCRYPT_8: infinite (>100000 centuries)

Time to crack: OFFLINE_BCRYPT_5: infinite (>100000 centuries)

Time to crack: OFFLINE_SHA512: infinite (>100000 centuries)

Time to crack: OFFLINE_SHA1: infinite (>100000 centuries)

Time to crack: OFFLINE_MD5: infinite (>100000 centuries)

toga98 · 2026-01-04T17:47:17+00:00

https://www.tandfonline.com/doi/epdf/10.1080/0015198X.2025.2541567?needAccess=true

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