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I did exactly that last tax year, finishing up paying for a new lake home. Your reasons are logical but based on the implicit premise that equity risk ("non-risk-free investment return") is involved. If the goal is simply tactical/tax there is no reason this has to be true. In our case, the...

I dunno. I have always carried just one credit card and really do not remember any fraud issues, but of course that is only somewhat over 50 years. For lots of reasons I have never had anything like a "deck," but certainly the more cards you have the higher the probability of issues. I'm still...

Sorry to hear that, but your future probability of debit card problems and my future probability of problems remain the same: very low. It's a risk I am very comfortable taking, particularly with Schwab backing me up.

... and your point is ??

Good enough for me: "We offer you this simple guarantee: Schwab will cover losses in any of your Schwab accounts due to unauthorized activity.

So you have taken a statistically significant sample of all the restaurants in the world? In the US? How many restaurants? Really, it's a silly and indefensible statement.

WADR I think you need to organize your thinking and your priorities. For example you seem to put a high value on getting rid of the stock under any circumstances. But then you are concerned about getting value for the stock. You say you have the operating responsibility but if you get rid of...

And what actual facts cause you to believe this?

Considering the resources and expertise available at Schwab or Fido I wouldn't even pick up the phone to answer a call from a one man band at a CU.

Handling "cash" is not a big deal and in most cases is not optional. I say "cash" because handling checks is the same as cash. Re fries, they have to be ordered, received, counted, refrigerated, inventoried, and monitored for "use by" dates. All this before they go into the fryer. Then...

What state has this law?

Man plans. God laughs. It is good that you are thinking about this stuff and undoubtedly you will continue to do so. But to get into the weeds and details is almost certainly a waste of your time. You have 10 years of life changes ahead of you.

Yes. TANSTAAFL. It used to be that the credit card companies contractually restricted merchants from showing the card costs to their customers in any way. This little anticompetitive wrinkle was prohibited as a result of an antitrust case settlement a few years ago. That's why we are seeing...

I think maybe you have not run a business. Pricing is a complex decision and in many cases the price the owner would like to charge is impossible due to competition. In that case he is forced to eat some or all of the credit card fee or he surcharges. But my main point is that the credit...

I'm not sure why people are so steamed up about this. Credit card fees are a cost, so the only question is "who pays?" It seems logical to me that the person who benefits from using the card should be the one who pays. Same as believing that the person who wants french fries should be the one...

Brokercheck will give you his years of investment experience and firms. Not sure if it gives you actual age. You also want to see "Registered Investment Advisor" or something similar. Series 65 or 66 exams. Not just Series 7. Not just insurance license.

Agree.

It will all depend on the individual. I would suggest starting at BrokerCheck - Find a broker, investment or financial advisor to check credentials and check for any problems. IMO it is unlikely that a CU investment advisor is the right place to go for advice and it is unlikely that a CU is...

I think that expecting custodians to determine the tax deductibility of a payment is probably an impossible idea. A few big charities, maybe, but they can't know or research every entity they send checks to. For example, is WLS-AM a 501(c)3? How about WCFL? (Answers are "No" and "Yes" -- I think)

Interesting that they make the prospectus difficult to review: " ... Before investing, carefully consider the fund's investment objectives, risks, charges and expenses. Please see the prospectus and summary prospectus containing this and other information which can be obtained by calling...

The rule I try to follow is "Never buy cheap tools." I would class this splitter as a cheap tool and replace it with a solid brass splitter rather than waste any time trying to fix it. You could give it a second life as a pistol target at 25 yards.

WADR, Zim is not a place I would recommend. It has never recovered from Robert Mugabe, who ruined the economy years ago. They do have animals, yes, but none that more stable and pleasant countries do not also have. For a first trip I would recommend southern Africa, places like Greater...

If you're just box-checking, a Nile trip certainly could check the Africa box. But having been to Africa seven times I think I can tell you with authority that neither Egypt nor Morocco are Africa. Neither is Cape Town, for that matter.

As far back as I remember, my scores have been in the 820-840 range and I have read that is in the "well above excellent" range, so I pay no attention to keeping or dropping credit cards or, for that matter, any other administrative aspects of credit. The meat of the matter is paying one's...

We used to itemize deductions but having moved all the charitables to QCDs there is no need to keep track or to itemize. Sans charitables, our deductions are only about half the standard deduction amount so we don't worry about it any more. Taking the standard deduction gives us a big bonus...