I’d just add to this, and something that you touched on but didn’t really highlight/clarify: unsecured private student loans can be good debt if they are reasonably structured and represent some kind of tie to earning potential.

Your 6% is not beating my 12% dividend return

I agree that we should have a societal safety net for retirees, but that has nothing to do with this article.

You absolutely do not have an exponentially higher rate of return from your Roth. Please look up the definition of “exponential.”

The defensiveness around the battery life in these discussion threads is funny.

Is there any real evidence that anti-malware is effective on phones?

I don’t have the smart control, I have the Harmony 900, but the RF to IR blasters are really great. Tiny little IR blasters on long cords where you can place them basically anywhere in the general vicinity of your devices. In fact, one of mine actually sits behind my soundbar and is powerful enough that the soundbar,…

No kidding. The ESPN streaming is, in my experience, absolutely awful. Doesn’t seem to matter what the device is - web browser, phone app, Roku... constant buffering/stuttering/freezing.

Also: phone ringtones. Basically anything that you’ll hear over and over again shouldn’t be set to something you hope to enjoy in the future.

In order for this to work, it would have to either install an app on all of the tablets/phones, or hijack all of the HTTPS browser sessions via a new trusted root certificate (an intermediate device can’t simply pop up something during a secure browsing session) which is a security nightmare.

The date on your passport is not situational, it’s real. I can literally use my passport as a valid form of US identification up until the expiration date. In some countries, I can even travel up until that last day.

This is, frankly, stupid.

How do you propose that they cover all the potential Visa limitations globally, and ensure that they remain constant for the 10-year duration of your passport?

Because this is all based in the law of the moment. Right now, the EU allows 90 days. Next month, that might not be the case.

These time periods are tied directly to how long you are allowed to legally spend in the country/region. In this article’s case, 90 days is how long you’re allowed to spend in the EU as a US citizen, so the requirement is that you have 90 days of passport validity.

“Literally everywhere” does not require a certain period of time. The EU, currently, allows US citizens a 90 day visa waiver - you can stay in the Shengen region for 90 days without a visa. That’s why this cases was 90 days.

I have no problem, in theory, with the decision to go with a standard outlet, but for the price it’s just crazy. The Google WiFi I mentioned has a USB-C outlet on it, so you can power it via a standard outlet or a regular cell phone battery pack, and it’s $129. I guarantee that an inexpensive weatherproof housing is…

$329 for a single AP that still has to be plugged into an AC outlet? Madness.

Everyone’s gotta do what works for them.

Realistically, the chances of someone maxing out your credit line is smaller than the chances of them draining you credit account (most people have a higher credit limit than they do liquid cash in their checking account).