It’s not at all clear to me what these robo advisers are supposed to be useful for. Their websites push tax loss harvesting as a major advantage, but that just shifts the timing of the tax burden; it doesn’t change how much you pay in taxes overall. The timing of taxes also has no influence on compounded returns.

If…

Or you could just do without content that isn’t available in your area. It might incentivize the companies to bring it there.

It’s usually NC State that gets forgotten in discussions involving Duke and UNC.

I’ve lived in the Research Triangle region for 21 years (this includes Raleigh, Durham, and Chapel Hill, plus the town of Cary - where SAS is located). There is growth in high tech companies (this is also the WW Headquarters for Lenovo - the PC company, as well), plus lots of banking roles. You have healthcare (Glaxo…

Unless Cisco started there, im sure the school plays a significant factor. Especially if they have strong departments in the areas that the companies are interested in. They can draw upon the graduates of those departments and even have some influence as to what is taught because of the financial contribution that the…

I’ll vouch for Toyota. My 2004 RAV4 has only recently needed very minor repairs (replaced a couple of seals), still purring like a kitten after 187,000 miles. Change the oil, get all the scheduled maintenance, replace expendables like tires and fluids when you’re supposed to, and it just keeps on running. They can…

I think they are saying soda is cheaper at the grocer when it’s in sake there. So grocer sale price < Costco.

or just get a Sallie Mae card

Clearly you're afraid of that scary black Malibu. That's the reason you gave for not stopping: you'd be afraid to stop.

Holy shit that was quick. You're literally defending someone that evaded being pulled over. Am I supposed to applaud??? No. I don't enjoy having a convoy make me go ten to twenty under the limit so yall can show off the capabilities off your machines.

You think anyone believes that BS? Are you saying that the biker was innocent, shouldn't pull over when being stopped by the police, and didn't evade? Are you seriously suggesting that the biker pulled over at the first opportunity after getting off the freeway immediately?? Pathetic lies.

Making claims that the cop somehow was about to kill the biker is an outright lie!

The speed was down to a crawl when the attempt to pin him happened. Hardly life threatening.

I hope the moron chasing and filming this is arrested.

The bike was evading. Should have pinned him enough to stop him. How is it today the criminals are now the victims?

Exactly. We take advantage of these offers every chance we get. Then we calculate a monthly payment that allows it to be paid off 1 month before the end of the promotional period and set up automatic payments. Then we forget about it.

There is nothing "deceptive" about it. You just have to be aware, and make you choices accordingly. Having 6 months to pay it off, instead of right out of pocket can have some advantages.

Cue all the people who want to tell you that you can't be personally responsible or financially successful if you use eeeeevil credit cards.

This point is often lost when viewing interest rates w/o a historical perspective. Not that it works this way for every generation, but consider:

My grandparents purchased their house in 1960, their 30 year mortgage required payments of $175 per month. At the time, it was 30% of their income. By the time 1990 rolled…

You don't need to be a smart market investor to beat 3%-5% returns. You just need to by a few index funds and leave them alone.

A smart markets investor is one that doesn't invest in individual stocks at all. It's usually better to minimize risk through diversified investments rather than putting everything into illiquid assets tied to the value of the same local market. Wu Tang Financial has some great guidance regarding that point.