I'm looking for a challenge build around level 80-150 that is reasonable hard but not impossible. Maybe like the worst weapon, or shield only, etc.
I finished an RL1 (base game only no dragons or malenia) but took some time (no summons)
I'm thinking something like the worse weapon in the game (but with some stats) and possibly rl150
I saw the video on dodging elden stars but after the first riposte he moves so far away I can't get behind the ball fast enough. Even if I get lucky and he does the sword swipes, I can only land 3 charged R2's and don't get the second stagger to finish him off.
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Using golden vow, FGMS, marikas soreseal, axe, red feather Branch, (what should 4th tali be?) stone barb tear, Intel tear, cragblade magic star fists for max damage.
Just looking for some advice or motivation. I tried blasphemous blade, cold star fists, and a parry build. She has a 2hit combo that I parry the first and the second kills me immediately. Haven't even gotten halfway through phase 1.
Does it make sense to TLH for withdrawing gains in retirement? I am excluding TLH for the annual $3k income tax deduction since I have enough losses to cover that without TLH, and this is a retirement sub. Here are my considerations:
Realized losses will carry over but for longer time horizons effectively lose value due to inflation, though of course not a reason NOT to do it
Any personal advisor is going to be 1% AUM and obviously not worth it.
A robo-advisor will be 0.25% AUM and might only do it quarterly, limiting the value.
On top of the first two there's an additional 5-10bps or so for crossing spreads. If a trade realizes a 5% loss, then that's really more like 100-200bps of the realized losses eaten away, or 1-2%. And that is immediate rather than deferred, creating an expense drag on returns.
Administrative headache of handling so many positions. There are tools to help balance so many positions and tax forms are generally consolidated now so it's not that bad, but perhaps a mild inconvenience.
Any other things to consider that I haven't yet?
I realize the attitude here is often "just pay the fee, have someone do it for you" but if the fee is looking like $100k/yr, that's not peanuts. Target spend probably 250k-300k/yr (pre-tax) but is a while out, which is why I'm considering the TLH now.