Same with worrying about leaving a phone charger plugged in when you’re not using it. I never understood why that became such a hot topic for a while, that uses so little power that its irrelevant even compared to your lights, let alone the things really using power like your water heater.

One of the main reasons I encourage switching banks is that the fees usually indicate a larger attitude of “screw the customer, give us all your money”. On the other hand, the bank I have now which has no fees for anything, that’s part of a larger customer focused attitude. They have the best customer support of not…

I just googled these Ramsey Baby Steps. Yeah I’m all set on 1-3, I don’t have any credit card debt, though I do technically have other debt but I am not going to ever do more than just keep paying the minimum payments (my car loan is at 0%, and my student loans are essentially free because of a program in my state…

I guess that makes sense. But if they’re a fiduciary, they’re supposed to act in my best interest, right? And isn’t in my best interest to be able to invest in funds that don’t have stupid high fees?

Then I reiterate my previous point: find a new bank. There are banks that don’t charge for that. I know changing banks can be a hassle, but do it once now and you’ll save a ton of hassle later by not having to worry about fees

That tax piece is irrelevant, both a 401(k) and an IRA can be Roth (post tax) or traditional (pretax). The only real difference is you have much more control over an IRA. If you want to use pretax dollars, my advice is to still do it in the order of 401(k) match, then IRA, then more in 401(k) after IRA is maxed, but…

I agree with that last quote: 401(k) up to the match, then max a Roth IRA, then you can go back to the 401(k).

Its also good to look at the ratio of stocks/bonds just because it might not he what you expect. My 401(k) is in a 2050 target date fund, which implies that I’m 30 now. The rule of thumb for stocks I’ve heard two different ways, 120-age or 110-age. So I should have 80%-90% stocks, depending on which version you use,…

Some these tips are quite good. My tip though, is if you found this article useful, then just change banks. There’s no reason to have to worry about following tips to avoid fees, when you can easily just have them not even exist. There are plenty of options for banks and credit unions where they refund all ATM fees,…

Why is everyone in the comments citing hacking and piracy as reasons this obviously isn’t true? Android isn’t inherently week and hackable any more than anything else. And Nintendo’s consoles get hacked all the time, without Android. Switching to Android would not increase the “hacking” of their consoles at all.

This happens on all their consoles anyway, so switching to Android won’t change anything.

Theory: maybe it’s not just based on Android. Maybe it’s pure Android. Maybe NX means Nexus. Nintendo Nexus.

The fear of investing is the only one that was a real issue for me. Two things are the main reasons that I’m now comfortable with it.

I glance at the total to make sure its about what I expected, and that’s it. My mother obsessively checks the bill every time she’s at a restaurant, looking at each item, their prices, making sure the addition was done correctly so the total is correct. And do you know how many times I’ve seen her actually catch a…

Less than .1? That’s impressive! I wish I got that. The index funds I’m using I think range from .10 to .22, and my 401(k) is like .80

Oh, yeah if you include the cost of an advisor that could easily add up. That’s another benefit to just using low cost index funds, it’s so simple that you can do it on your own with just a little research, no advisor necessary.

IRA account holders pay more in fees? Now I’m confused. I thought the main advantage of IRAs was the flexibility let’s you pick low fee funds, and 401(k)s limited choices often forces you to use funds with high expense ratios.

I would rather have a U2 album

I’m hoping it also includes some Android Wear related bug fixes. It seems to generally overstate how many steps I take each day by maybe 20% or so, an issue that did not exist when it was only on my watch (before a true Android app existed). I think it comes from the combination of the phone and watch both trying to…

Thank you! I was starting to worry no one was going to get my joke 😁