Search found 1171 matches

by AndroAsc
Sun Mar 31, 2019 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping a stash of vacation days as unemployment "insurance"
Replies: 70
Views: 4845

Re: Keeping a stash of vacation days as unemployment "insurance"

My current employer only allows us to carry forward a year's worth of vacation from one year to another. So I will take half of my vacation time this year, half the next... and once that's done I can utilize my full vacation every year. It's really not that bad, and I enjoy my work. Now my last empl...
by AndroAsc
Sun Mar 31, 2019 8:06 pm
Forum: Investing - Theory, News & General
Topic: Best Fund/ETF for Diversified Commodities Today...
Replies: 15
Views: 1112

Re: Best Fund/ETF for Diversified Commodities Today...

It depends on your viewpoint. I'm a pessimist, and I believe in my lifetime, there will be hell because we run out of oil. So oil prices will skyrocket, and food prices will be next. The more oil we've used, the more oil there is still left to extract, because we keep finding new sources of oil fas...
by AndroAsc
Sun Mar 31, 2019 7:54 pm
Forum: Investing - Theory, News & General
Topic: Best Fund/ETF for Diversified Commodities Today...
Replies: 15
Views: 1112

Re: Best Fund/ETF for Diversified Commodities Today...

Is a commodity futures fund still not recommended by most now that the expense ratios are down? Seems like the performance has been very poor recently. The reason to hold commodity funds isn't because of recent performance, it's because of it's uncorrelated nature to both stocks and bonds, as well ...
by AndroAsc
Sun Mar 31, 2019 7:52 pm
Forum: Investing - Theory, News & General
Topic: Best Fund/ETF for Diversified Commodities Today...
Replies: 15
Views: 1112

Re: Best Fund/ETF for Diversified Commodities Today...

I was thinking of this ETF: https://www.aberdeenstandardetfs.us/institutional/us/en-us/products/product/etfs-bloomberg-all-commodity-strategy-k-1-free-etf--bci-arca#25 Any thoughts? Reason I'm looking at this one is that it follows the Bloomberg index which is more evenly spread across different ty...
by AndroAsc
Sun Mar 31, 2019 7:44 pm
Forum: Investing - Theory, News & General
Topic: Combined e-Fund Strategy: Addressing Cash Drag, Liquidity and "non-conventional" methods
Replies: 0
Views: 160

Combined e-Fund Strategy: Addressing Cash Drag, Liquidity and "non-conventional" methods

I'm been geek-optimizing emergency fund for the last few months, and may have come up with a solution that addresses the common criticism of e-funds AND lack of e-funds, specifically for: 1) Cash Drag: Holding too much of an emergency-fund drags down your portfolio performance. Many of us including ...
by AndroAsc
Sat Mar 30, 2019 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping a stash of vacation days as unemployment "insurance"
Replies: 70
Views: 4845

Re: Keeping a stash of vacation days as unemployment "insurance"

Wow... so it's not such a crazy idea? To summarize, here's the risks people raised: 1) Policy changes in paying out unused vacation days: Some have reported the payouts were cut on layoffs. 2) Risk of employer going bankrupt, probably more so for employees of startups. 3) Risk of employer switching ...
by AndroAsc
Sat Mar 30, 2019 10:13 am
Forum: Personal Investments
Topic: CDs with good early withdrawal penalties - Ally is underperforming
Replies: 12
Views: 1277

Re: CDs with good early withdrawal penalties - Ally is underperforming

UpperNwGuy wrote:
Sat Mar 30, 2019 10:08 am
AndroAsc wrote:
Fri Mar 29, 2019 10:26 pm
radiowave wrote:
Fri Mar 29, 2019 10:19 pm
To be honest I would just go for the Ally 1 year 2.75% CD. Interesting that CDs are now becoming inverted.
I'm building a ladder. I already have 1 yr.
This might be the wrong time to be building a CD ladder.
Isn't that market timing?
by AndroAsc
Sat Mar 30, 2019 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Keeping a stash of vacation days as unemployment "insurance"
Replies: 70
Views: 4845

Keeping a stash of vacation days as unemployment "insurance"

Recession is coming... if not now... soon, and I've been planning for this. Specifically looking at layoffs. Now, I have the usual emergency fund. I'm now thinking whether or not keeping a stash of vacation days will help. What do I mean? In some states and/or depending on company policy, unused vac...
by AndroAsc
Sat Mar 30, 2019 9:11 am
Forum: Personal Investments
Topic: CDs with good early withdrawal penalties - Ally is underperforming
Replies: 12
Views: 1277

Re: CDs with good early withdrawal penalties - Ally is underperforming

To be honest I would just go for the Ally 1 year 2.75% CD. Interesting that CDs are now becoming inverted. I'm building a ladder. I already have 1 yr. Add to the ladder in a year. If you buy into the 20 basis points for every year of extra duration, you would look at 2.75% 1 year, 2.95% 2 year, and...
by AndroAsc
Sat Mar 30, 2019 8:58 am
Forum: Personal Investments
Topic: What non-Vanguard funds to buy in Fidelity 401k BrokerageLink?
Replies: 12
Views: 600

Re: What non-Vanguard funds to buy in Fidelity 401k BrokerageLink?

First off, what funds are available within the 401k plan itself? Depending on what your options are there, you may not even need BrokerageLink. If you can list what investment fund options available in your plan, along with their tickers and/or expense ratios, you'll likely get some great help from...
by AndroAsc
Sat Mar 30, 2019 8:56 am
Forum: Personal Investments
Topic: What non-Vanguard funds to buy in Fidelity 401k BrokerageLink?
Replies: 12
Views: 600

Re: What non-Vanguard funds to buy in Fidelity 401k BrokerageLink?

My new employer uses Fidelity 401k which has this BrokerageLink access that allows us to buy lots of different mutual funds as well as ETFs for our 401k. Unfortunately all Vanguard funds have high purchase fees and Vanguard ETFs are not commission free... go figure... It looks like Fidelity 401k Br...
by AndroAsc
Sat Mar 30, 2019 1:45 am
Forum: Investing - Theory, News & General
Topic: Best Fund/ETF for Diversified Commodities Today...
Replies: 15
Views: 1112

Best Fund/ETF for Diversified Commodities Today...

Back in 2011(?), I added commodities to my portfolio. Back then choices were limited. DBC (ER 0.8%+) was a popular one, but I decided to go with USCI (ER 0.9%+) because of their supposed better ways of dealing with Contango. I suppose if you run DBC vs USCI, USCI still does a little better but barel...
by AndroAsc
Sat Mar 30, 2019 12:56 am
Forum: Investing - Theory, News & General
Topic: The Grey Zone: AQR, DFA, anyone else?
Replies: 7
Views: 1125

The Grey Zone: AQR, DFA, anyone else?

It looks like my 401k through Fidelity BrokerageLink has really expanded my fund options. I'm still a Vanguard indexer at the core, but was wondering if the "grey zone" funds (passively managed not actively managed) from DFA or AQR made any sense. I know of DFA for as long as I know of Vanguard, and...
by AndroAsc
Sat Mar 30, 2019 12:33 am
Forum: Personal Investments
Topic: What non-Vanguard funds to buy in Fidelity 401k BrokerageLink?
Replies: 12
Views: 600

What non-Vanguard funds to buy in Fidelity 401k BrokerageLink?

My new employer uses Fidelity 401k which has this BrokerageLink access that allows us to buy lots of different mutual funds as well as ETFs for our 401k. Unfortunately all Vanguard funds have high purchase fees and Vanguard ETFs are not commission free... go figure... It looks like Fidelity 401k Bro...
by AndroAsc
Fri Mar 29, 2019 10:26 pm
Forum: Personal Investments
Topic: CDs with good early withdrawal penalties - Ally is underperforming
Replies: 12
Views: 1277

Re: CDs with good early withdrawal penalties - Ally is underperforming

radiowave wrote:
Fri Mar 29, 2019 10:19 pm
To be honest I would just go for the Ally 1 year 2.75% CD. Interesting that CDs are now becoming inverted.
I'm building a ladder. I already have 1 yr.
by AndroAsc
Fri Mar 29, 2019 10:16 pm
Forum: Personal Investments
Topic: CDs with good early withdrawal penalties - Ally is underperforming
Replies: 12
Views: 1277

CDs with good early withdrawal penalties - Ally is underperforming

Ally's 3-yr CDs just dropped to 2.6%, when I can easily get 3%+ 3-yr CDs. However, the ones I've looked at (Citizens Bank, Alaska, AMEX, Capital One) all have at least 180-days early withdrawal penalty vs 90-days for Ally. Are there any 3-yr CDs with 90-day penalty and with rates that are better tha...
by AndroAsc
Mon Mar 25, 2019 9:42 am
Forum: Investing - Theory, News & General
Topic: SWR advice from EarlyRetirementNow.com
Replies: 6
Views: 1225

SWR advice from EarlyRetirementNow.com

Recently chanced across this website: https://earlyretirementnow.com/ Start from here if you've not seen it before: https://earlyretirementnow.com/2016/12/07/the-ultimate-guide-to-safe-withdrawal-rates-part-1-intro/ I'm soliciting opinions on what people here think about the articles written by ERN....
by AndroAsc
Mon Mar 25, 2019 1:42 am
Forum: Personal Finance (Not Investing)
Topic: Paper I Bonds
Replies: 35
Views: 2343

Re: Paper I Bonds

I closed my TD account. I prefer paper. With TD, if someone hacks your account, you won't be made whole. On the other hand, lost, stolen or even fraudulently redeemed paper I Bonds can and will be replaced. Also, your heirs can find the paper I Bonds but they may never discover your TD account, sin...
by AndroAsc
Sun Mar 24, 2019 11:37 pm
Forum: Investing - Theory, News & General
Topic: Series I Savings Bonds Buying Opportunity
Replies: 42
Views: 7456

Re: Series I Savings Bonds Buying Opportunity

To confirm, the get 0.5% fixed rate, we need to buy before end Apr?
by AndroAsc
Sun Mar 24, 2019 11:06 pm
Forum: US Chapters
Topic: Seattle Area Chapter Meetings - Master Thread
Replies: 128
Views: 27696

Re: Seattle Area Chapter Meetings - Master Thread

Can we setup like a meetup group (meetup.com)? Would be easier to coordinate there. And the group seems to be inactive/semi-active, until recently (which is a good thing)... are people only interested in meeting up once-twice per year?
by AndroAsc
Thu Feb 28, 2019 9:47 am
Forum: Investing - Theory, News & General
Topic: After-Tax Alternative to TIAA Real Estate Account
Replies: 13
Views: 858

Re: After-Tax Alternative to TIAA Real Estate Account

So how do we get the special IRA if we have worked for a non-profit before?
by AndroAsc
Tue Feb 26, 2019 9:50 am
Forum: Investing - Theory, News & General
Topic: DFA Small/Mid Cap Value Fund in 401k, but it's not a mutual fund?
Replies: 6
Views: 416

DFA Small/Mid Cap Value Fund in 401k, but it's not a mutual fund?

Super confused. There is a DFA small/mid cap value fund in my 401k. Was searching for its ticker symbol, there is none! Also on the fund description it states clearly "this is not a mutual fund". So how do I evaluate this fund? Would it be equivalent to DFA mutual fund options? I couldn't find a DFA...
by AndroAsc
Tue Feb 05, 2019 10:03 pm
Forum: Investing - Theory, News & General
Topic: VMMXX - Why so popular? [Vanguard Prime Money Market Fund]
Replies: 23
Views: 2949

Re: VMMXX - Why so popular?

Strange that nobody seems to remember the times where MMF were returning 0% but online savings and CD were doing better, albeit at 0.5%.
by AndroAsc
Mon Feb 04, 2019 1:48 pm
Forum: Personal Investments
Topic: Is ESPP worth the hassle?
Replies: 65
Views: 3296

Re: Is ESPP worth the hassle?

Jack FFR1846 wrote:
Mon Feb 04, 2019 1:44 pm
Can you set up your account to sell on vest in advance? It’s what I do with my espp on etrade. All my espp and rsu are all set up for the next several years.
I could look into this, but how do you setup a future trade when you do not know what the no. of shares is or the price of the share?
by AndroAsc
Mon Feb 04, 2019 1:40 pm
Forum: Personal Investments
Topic: Is ESPP worth the hassle?
Replies: 65
Views: 3296

Is ESPP worth the hassle?

I used to think ESPP is great, but once I have it, there is a lot of work involved. I'm thinking if it's worth it, or if there is a way to streamline it. With ESPP, there is additional issues of needing to login to ESPP account to liquidate, and this is time sensitive, because I need to liquidate th...
by AndroAsc
Mon Feb 04, 2019 1:01 pm
Forum: Investing - Theory, News & General
Topic: Concerns about the Accuracy of Indexing for non-Vanguard funds (e.g. Fidelity)
Replies: 13
Views: 958

Re: Concerns about the Accuracy of Indexing for non-Vanguard funds (e.g. Fidelity)

All of your concerns are baseless. The Fidelity funds you have are cheaper than Vanguard and track known indexes. And yet just in the thread above mine, we now have allegations of corruption in MSCI indexes against specific emerging markets. When you're splitting hairs at 0.0x% ER... I don't care a...
by AndroAsc
Mon Feb 04, 2019 12:56 pm
Forum: Personal Investments
Topic: Non-covered shares costs basis: How to determine?
Replies: 0
Views: 113

Non-covered shares costs basis: How to determine?

I consolidated all my monies to Vanguard a long time ago, and some shares are not-covered under the cost-basis reporting. I honestly do not recall where those shares were held originally, or what their cost price was. Vanguard's website has a cost-per-share number for these non-covered shares, I'm g...
by AndroAsc
Mon Feb 04, 2019 11:59 am
Forum: Investing - Theory, News & General
Topic: Concerns about the Accuracy of Indexing for non-Vanguard funds (e.g. Fidelity)
Replies: 13
Views: 958

Re: Concerns about the Accuracy of Indexing for non-Vanguard funds (e.g. Fidelity)

Since you have confidence in the VG funds why don't you compare the holdings of the VG funds and comparable FIDO funds? example... https://investor.vanguard.com/etf/profile/VOO vs.... https://fundresearch.fidelity.com/mutual-funds/summary/315911750 I don't use SP500 funds... I'm trying to fund equi...
by AndroAsc
Mon Feb 04, 2019 11:34 am
Forum: Investing - Theory, News & General
Topic: Concerns about the Accuracy of Indexing for non-Vanguard funds (e.g. Fidelity)
Replies: 13
Views: 958

Concerns about the Accuracy of Indexing for non-Vanguard funds (e.g. Fidelity)

Got a new job at megacorp, main mutual fund options are not too good, no Total Market and no Total International Market. But I have Fidelity BrokerageLink access, and so that has 3000+ no fee mutual funds, but none from Vanguard :( I've resigned to the fact that I'll need to use the Fidelity-brand i...
by AndroAsc
Thu Jan 31, 2019 11:07 am
Forum: Personal Investments
Topic: Mega Backdoor Roth, can't move out after-tax money: Consequences of not rolling over to Roth IRA?
Replies: 9
Views: 617

Re: Mega Backdoor Roth, can't move out after-tax money: Consequences of not rolling over to Roth IRA?

wow, bummer ... that's a very strange limitation! I guess you are stuck with the just two options: 1) rolling in the pre-tax funds into your current traditional 401k plan (via an intermediate rollover IRA), and the after-tax funds into Roth IRA 2) Eat the higher taxes at the time of retirement with...
by AndroAsc
Thu Jan 31, 2019 10:14 am
Forum: Personal Investments
Topic: Mega Backdoor Roth, can't move out after-tax money: Consequences of not rolling over to Roth IRA?
Replies: 9
Views: 617

Re: Mega Backdoor Roth, can't move out after-tax money: Consequences of not rolling over to Roth IRA?

So your plan doesn't allow you to convert your existing after-tax balance to Roth 401k? And they don't allow partial rollovers so that you can take only the after-tax portion elsewhere? Sounds weirdly limiting. Please keep us posted on what you ultimately decide. I'm in a similar situation, only wi...
by AndroAsc
Wed Jan 30, 2019 9:46 pm
Forum: Personal Investments
Topic: Mega Backdoor Roth, can't move out after-tax money: Consequences of not rolling over to Roth IRA?
Replies: 9
Views: 617

Mega Backdoor Roth, can't move out after-tax money: Consequences of not rolling over to Roth IRA?

Wow... let this be a lesson for me. My now, ex-employer offered a Mega Backdoor Roth, where we could do in-service withdrawal and rollover to a Roth IRA. Now that I left them, and was planning to do the same, Vanguard is telling me the plan rules doesn't allow that anymore. Yeah, nice way of screwin...
by AndroAsc
Sat Jan 26, 2019 12:31 am
Forum: Personal Investments
Topic: Want to buy $5k Paper i-Bond: Do I have prepay tax before 2019?
Replies: 14
Views: 1499

Re: Want to buy $5k Paper i-Bond: Do I have prepay tax before 2019?

If you go this route, be sure to triple-check your return before submitting it. We made an overpayment last year to get the $5k in paper i-bonds. Unfortunately, I made an error in Turbotax that led to a $600 deduction that we weren't entitled to. The IRS caught it and sent me a letter. Our adjusted...
by AndroAsc
Sat Jan 26, 2019 12:30 am
Forum: Personal Investments
Topic: Want to buy $5k Paper i-Bond: Do I have prepay tax before 2019?
Replies: 14
Views: 1499

Re: Want to buy $5k Paper i-Bond: Do I have prepay tax before 2019?

To echo previous posters, you can: 1) Make an estimated tax payment no later than 15 January 2019; or 2) Request an extension of time to file your return, which lasts six months, and include a large payment with the request, no later than 15 April 2019 (except it's usually a little after that due t...
by AndroAsc
Sat Jan 26, 2019 12:00 am
Forum: Personal Investments
Topic: Buying $10k i-Bonds + $5k Refund: Does the order matter?
Replies: 1
Views: 203

Buying $10k i-Bonds + $5k Refund: Does the order matter?

If I intend to purchase $10k i-Bonds for my SSN, and overpay taxes to get $5k i-Bond refund, does the order matter?

For example, do I need to max out my $10k annual limit before getting the refund? Or, in other words, will getting a $5k refund reduce my annual limit from $10k to $5k?
by AndroAsc
Thu Jan 24, 2019 10:14 am
Forum: Personal Investments
Topic: Tax Efficiency within Stocks: What goes to Taxable vs 401k
Replies: 14
Views: 1401

Re: Tax Efficiency within Stocks: What goes to Taxable vs 401k

Here's an exact answer to your question: 401k -> Roth IRA -> Taxable Bonds -> International -> US Most tax inefficient -> Most tax efficient What this means is you should fill in your 401k with bonds first, then international if there's room left. Then move up to Roth IRA and fill that in in the sa...
by AndroAsc
Tue Jan 22, 2019 10:44 pm
Forum: Personal Investments
Topic: Tax Efficiency within Stocks: What goes to Taxable vs 401k
Replies: 14
Views: 1401

Re: Tax Efficiency within Stocks: What goes to Taxable vs 401k

This post is about tax efficiency within stocks. I'm trying to figure out which goes to Taxable vs 401k. This assumes you have insufficient 401k space. I am also ignoring bonds in this discussion. I have the following categories: - US Total Market - International Total Market - US Small-Value (or a...
by AndroAsc
Tue Jan 22, 2019 10:44 am
Forum: Personal Investments
Topic: Tax Efficiency within Stocks: What goes to Taxable vs 401k
Replies: 14
Views: 1401

Tax Efficiency within Stocks: What goes to Taxable vs 401k

This post is about tax efficiency within stocks. I'm trying to figure out which goes to Taxable vs 401k. This assumes you have insufficient 401k space. I am also ignoring bonds in this discussion. I have the following categories: - US Total Market - International Total Market - US Small-Value (or an...
by AndroAsc
Tue Jan 22, 2019 10:30 am
Forum: Personal Investments
Topic: Fidelity BrokerageLink in 401k
Replies: 13
Views: 769

Fidelity BrokerageLink in 401k

Looks like my new employer has the ability to setup Fidelity BrokerageLink inside a 401k. However, it looks like the no-load MF or no-commission ETFs are only limited to iShares and Fidelity (amongst the more usable options). Does anyone have a similar 401k Fidelity BrokerageLink? What products do y...
by AndroAsc
Sun Jan 20, 2019 9:23 pm
Forum: Personal Investments
Topic: Overcontributed to 401k, now what?
Replies: 8
Views: 962

Re: Overcontributed to 401k, now what?

Great now another curve ball. Vanguard is now telling me *their* system is showing $54,900+ contributed in 2018 on their backend system, but my interface on the Vanguard website is showing $55,100+ contributed in 2018. So the question is... did I overcontribute in 2018? Which begs the question, how...
by AndroAsc
Wed Jan 16, 2019 8:51 am
Forum: Personal Investments
Topic: Overcontributed to 401k, now what?
Replies: 8
Views: 962

Re: Overcontributed to 401k, now what?

Great now another curve ball. Vanguard is now telling me *their* system is showing $54,900+ contributed in 2018 on their backend system, but my interface on the Vanguard website is showing $55,100+ contributed in 2018. So the question is... did I overcontribute in 2018? Which begs the question, how ...
by AndroAsc
Sun Jan 13, 2019 7:01 pm
Forum: Personal Investments
Topic: Vanguard Fund and Brokerage cannot use same sweep account?
Replies: 9
Views: 696

Re: Vanguard Fund and Brokerage cannot use same sweep account?

The vanguard brokerage defaults all sweep money into the Vanguard Federal MMF. I'm also trying to direct all my dividends and capital gains from my mutual fund to that same Vanguard Federal MMF. For some reason, this fund DOES NOT show up... is this normal? Is there anyway to have one sweep fund to...
by AndroAsc
Sun Jan 13, 2019 6:03 pm
Forum: Personal Investments
Topic: Vanguard Fund and Brokerage cannot use same sweep account?
Replies: 9
Views: 696

Vanguard Fund and Brokerage cannot use same sweep account?

The vanguard brokerage defaults all sweep money into the Vanguard Federal MMF. I'm also trying to direct all my dividends and capital gains from my mutual fund to that same Vanguard Federal MMF. For some reason, this fund DOES NOT show up... is this normal? Is there anyway to have one sweep fund to ...
by AndroAsc
Sat Jan 05, 2019 12:37 pm
Forum: Personal Investments
Topic: Overcontributed to 401k, now what?
Replies: 8
Views: 962

Overcontributed to 401k, now what?

WTH.... Vanguard 401k plan overcontributed to my account. For 2018, I had: Before-Tax: $18,500 After-Tax: $32,570 Employer-Match: $4100 So while my 401k contribution where capped at $18,500, the total going into my 401k with employer match was $55,100+, that means I am $100+ over the $55k/yr 401k li...
by AndroAsc
Mon Dec 24, 2018 10:40 pm
Forum: Personal Investments
Topic: Want to buy $5k Paper i-Bond: Do I have prepay tax before 2019?
Replies: 14
Views: 1499

Want to buy $5k Paper i-Bond: Do I have prepay tax before 2019?

Is there an option to pay for 2018 taxes in 2019? I'm doing this for the purpose of getting the $5k i-Bond paper tax refund, and am trying to figure out if I have to prepay $5k taxes before the end of the year, or it's possible to do it before some cutoff in 2019 (i.e. like how can you can contribut...
by AndroAsc
Mon Dec 24, 2018 10:35 pm
Forum: Investing - Theory, News & General
Topic: Inter-generational 'tax-advantaged' plan (little/no capital gains)?
Replies: 3
Views: 326

Inter-generational 'tax-advantaged' plan (little/no capital gains)?

I'm thinking of an inter-generational 'tax-advantaged' plan with my parents, and it looks like there are tax advantages, basically little/no capital gains tax. Basically it involves "gifting" someone your money, waiting for them to pass and inheriting "your" assets at a higher cost basis. Here's how...
by AndroAsc
Mon Dec 24, 2018 10:24 pm
Forum: Investing - Theory, News & General
Topic: Historical Data on i-Bonds vs CDs?
Replies: 3
Views: 474

Historical Data on i-Bonds vs CDs?

Is there any historical data that compares the yields of i-Bonds vs CDs? I'm 50|50 on i-Bonds vs CD-ladders, and would like to figure out which will have more money in the longer term.
by AndroAsc
Mon Dec 24, 2018 10:21 pm
Forum: Personal Investments
Topic: Better options for emergency Fund than Ally CDs/Savings?
Replies: 20
Views: 2772

Better options for emergency Fund than Ally CDs/Savings?

As above, I'm wondering if there are better options for emergency fund than Ally Savings/CD accounts. This fund is only for unemployment and major medical expenses, I have separate savings for minor stuff like car repairs. Current criteria: - High yield. Ally consistently offers high yield, although...
by AndroAsc
Thu Dec 20, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: Moving Home: Transporting Tires?
Replies: 7
Views: 442

Moving Home: Transporting Tires?

Moving soon, and I have a new set of summer tires in my home. Is it safe to move the tires together with the other stuff in my home? I'm afraid that it will get damaged and I won't know (I'm not a car person, so I don't even know how to check if the tires are damaged). Has anyone run into this probl...
by AndroAsc
Thu Dec 13, 2018 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: [How much of an emergency fund do I need?]
Replies: 17
Views: 1124

Re: How badly will unemployment be during next recession?

Mike Scott wrote:
Thu Dec 13, 2018 2:14 pm
6-12 months is the standard response. If it happens to you, it will seem much worse than if it happens to your neighbor.
But is that number during normal times? I'm talking about unemployment during a recession.