Time to start using my alumni G Suite account for unlimited Google Drive storage instead of Dropbox. I’ve been meaning to make the switch for a while, and this provided the incentive I needed.

Don’t forget that an increasing number of 401k plans support Roth contributions, which do not have the income limitation of Roth IRAs. Definitely something to consider if you want to contribute to a Roth account but earn too much to do so (backdoor Roth notwithstanding).

My company used to have an awful high-fee 401(k) with John Hancock. I convinced them to switch to Betterment’s new 401(k) offering (https://www.bettermentforbusiness.com/), which is awesome. It saved both the company and employees over 50%.

I can confirm - I can use Disconnect Privacy Pro at the same time as Opera VPN without issue. Thanks for this awesome service!

That really depends on which bond funds you’re invested in. For instance, a short term treasury bond fund like SHV is effectively a cash equivalent, which also pays out dividends.

I agree, and I also use Betterment. For their thoughts on investing even emergency fund money, see their article here: https://www.betterment.com/resources/pers…

To shamelessly piggyback, for those interested in using Betterment, you can get six months free using a referral link (and referrers get an extra 30 days free for each referral). If you don’t have any friends/family to give you a referral link, feel free to use mine: https://www.betterment.com/invite/ryangol…

I believe you can sign up for free without depositing any money, keeping a zero balance while retaining access to their site features. However, most of the integrations are specific to their service, so the utility of using their aggregations without investing with them is somewhat minimal, in my opinion. You’d be…

If anyone’s interested in signing up for Betterment, you can get your first six months free using a referral link. If you don’t have any friends using Betterment to give you a referral link (they get 30 days free for each referral), feel free to use mine: https://www.betterment.com/invite/ryangol…

I’ve actually added all of my accounts (checking, savings, credit cards, etc) since the day of that announcement. Most did update and show the correct value properly, but nothing was actually done with them as far as I could tell. Only recently do they show you your total net worth using those externally linked…

They’ve actually had support for syncing external accounts for a while: https://www.betterment.com/resources/reti…

I’ve been investing for over 10 years, and the biggest barrier I’ve seen to people investing is that they don’t know how to start. It seems overwhelming to them, and rightfully so! The options and information out there are nearly limitless, and it took me years to get even somewhat confident in what I was doing.

I’ve been investing for over a decade and have been using Betterment for the past few months. I can’t recommend Betterment enough, especially for new investors who aren't sure how to start. It has met or exceeded all of my expectations, and the fees are lower than you can get anywhere else; 0.35% to 0.15% of your…

Addressing the last section, “Investing Intimidated Me”, I’ve seen that in many friends. I used to recommend using TD Ameritrade’s commission-free ETFs, and I’d let my friends copy my ETF selections, advising them how to rebalance periodically. But it still required a lot of manual work, and frankly, it was very…

No, sorry, I haven't figured out how to use it successfully in a virtual machine. My current solution is that I have it installed on an old, otherwise unused computer.

The first sunset of 2014, taken from my condo in Philadelphia.

I've tried uninstalling the tools. I've also added the following to the .vmx file, and it still detects that it's running in a VM:

I've been using HitBliss in a virtual machine (Windows XP Pro in VMware Player) for about a year. At some point in the past month, they've updated the software to check for and block HitBliss Earn in virtual machines. I've tried some things I found online to hide the that it's running on a virtual machine, but the…

Phone and email verified, and I'm also not seeing this option.

My main website is http://ryan-goldstein.com/ - but I also own http://ryangoldste.in/ - I use them for email and basically just to give myself an online presence.