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To use this product you take all the usernames and passwords, to all your financial accounts, every dime you own, and give all of that login info to one single source. The risks presented by this are far too great IMO to justify the convenience that you can pretty much get already from separate...

Some cool items in these replies here. Pacific Crest trail is on my list, at the very least the John Muir Trail through hike. Rim to Rim Grand Canyon would definitely be awesome too.

Run some scenarios through firecalc to see how holding equities vs bonds performs on average over the long haul. On average equities return more over the long term. Bonds have lower volatility, but volatility does not equal risk. The real risk is earning 3% less over decades. My opinion...

I imagine different hospitals have different procedures, but at the hospital my wife works at in Baltimore, your significant other driving you to the hospital would not be allowed in the building. You have to say your 'I love you's when they drop you off, for many people that's the last chance...

I hope so. Do you think they are already pricing in a big economic lock down like Italy is currently going through for the next three months? No travel, all vaction or travel based business eating a 3 month minimum loss, many going out of business. Schools closing, and many workers taking...

I have to admit, this is more difficult than I thought. Though it's not that I hate seeing the money go and want to sell for cash and keep what I have now, it's that I really think things are going to get worse before getting better, and I want to sell now, and buy back in lower. It just seems...

It's the speed of the spread, and the inability of the hospitals to handle the huge influx of critical patients. Yes we get the flu every year, and those cases are spread out over 4 months or however long. And because we have it every year the hospitals and medical systems can handle it. But...

Agree, I have some perverse sense of satisfaction in the drop, if I can ride it out I'm in a way proving I can handle it. I feel like I've talked a big game, and due to my chosen allocation of 100% equities have basically commited to walking the walk, now just need to live up to the plan.

This is the first real market dip I've participated in, I had money invested in 2007-9 but not much skin in the game. I'm fighting the urge to do some market timing, dump some stock now, and buy back later. But, I keep telling myself that rather than fool with that I should play it safe. The...

Follow-up question: If I put money into a Traditional IRA this year, then immediately (or next year maybe) convert it to a Roth, then all that money is considered conversion and I can withdrawal it and any earnigns on that conversion tax free? Seems like a loophole to effectively get around the...

I've taken the little babybell wax coated cheeses backpacking before. Worked like a charm, never had any that went bad after 5 days or so.

[/LIST] So if you do a conversion to a ROTH IRA from non-roth accounts, then wait 5 years, that converted money all counts as contributions, even though it may well be substantially composed of earnings from prior to the conversion? Then you are basically withdrawing those 'contributions'? I...

Perhaps worth putting greater emphasis on: ROTH contributions can be withdrawn early, not earnings. So to summarize there are four main options (feel free anyone to add more) for pulling money from retirement accounts prior to 59.5: rule of 55 (can withdrawal from company plan if you retire...

Total 2 lb of fish? So $50/lb.? That must have been some goooood sashimi. :)

Or maybe, "Wow, that's a long way to travel" :)

Yep, good point, I agree. So maybe the story is cherry-picking the one bad outcome out of many other good ones. I'm not saying the entire escheat process is evil, but a three year limit definitely strikes me as rather short. That and the fact that a state other than the state I reside in is...

Yes, the big caveat here as pointed to in the story, is that the state liquidates assets they escheat. The guy in the story lost out on 100k of growth because his stock was sold in 2008. If I had an account that I hadn't touched in 4 years I could have lost out on 2019 growth and earnings...

Looks like it has been covered on ER forum before, but I just listened to a planet money podcast about escheat, which was all news to me: https://www.npr.org/2020/01/24/799345159/episode-967-escheat-show Scary stuff. If you aren't familiar, escheat is the process by which states take...

If it were me in this situation it would be Verizon I'd be mad with, not BofA. From BofA's perspective they had absolutely no indication that the user of your mobile number was not you, all the information presented to them looked exactly as if it had come from you. Verizon is the one who...

Just in case you were considering it, you should never go spelunking. I went a few times with my Dad. Remember two times I got into real tight spots. Once crawling through a pinch and my heart rate definitely went up. Another time there was a piece of trash that had fallen down a narrow hole...

check out weatherspark.com, really cool tool for comparing average climate in different parts of the world.

I just set myself up with a new password management system within the last year. Did a bunch of research and ultimately decided on KeePass + dropbox. seemed the most secure, and it's working great for me. I don't recall my complaint exactly about LastPass, but I think it was something along...

Yes that's good thinking. I have experienced the double mortgage thing before, except one of them was rent for me. When i rehabbed my current home I was renting for those 6 months. Definitely don't love that. And I need to budget for those double payments during that period too as extra cash...

Doesn't have to be NOW, but sooner rather than later, and summer of 2022 at the latest. Kids will be going to kindergarten then and I want them to be in our next neighborhood for that. I may well happily take a year to move and will by then have saved more, but not 50k. If I take 3 years...

Yes, good point, I hadn't read your post mentioning the emergency fund before I replied to the other. I guess I try and not reveal more details about my exact financial situation than needed online, but perhaps I can't really solicit helpful info if not. In for a penny in for a pound here I...