Recent content by Lorenzo

As I see it, an inheritance is either intended to compensate the heir for something, such as caring for the now-deceased parents, or else it should be expected to be nothing more than a windfall, to be squandered if desired. If a windfall sounds somehow vulgar, leave it to charity. If an...

I agree the interest should come first, but it may not be equally likely in every field. I contrasted something like computers, where today's students have a lot of exposure by the time they enter college (e.g., they've probably seen or even written computer code), with something like...

In addition to the need to be good at math, I would say one is either "into computers" or they're not. I can't say the same for accounting, because few of us are exposed to accounting before college. But computers--especially nowadays if you reach college age and aren't already at least...

Post #3 says she's currently in a community college. Edit: Sorry, I was typing when you posted to point that out.

A student can't have "no preferences at all." I mean, we all had at least some inkling of whether were more interested in science/engineering/math or business/humanities--it's the giant fork in the road of higher education. If science/engineering, then the student should consider taking a...

WHAT?! I've been using Costco eye of round to make steak tartare for years. I'm going to have to bring my reading glasses to read the fine print on the labels now.

The HDHPs I have been enrolled in through various employers all came with an HSA attached; it wasn't an option that I had to proactively pursue. Can't you call the plan administrator and simply ask if it qualifies?

Do you accept the offers of a year of identity theft monitoring protection? Although I, too, seemingly receive these notices every few months from various holders of my personal information, I have not taken any up on the offers. For a long time I paid for that service from Experian. Then...

Someone educate me on all the love for HSAs I see. As far as spending on healthcare is concerned, all an HSA saves me is the tax, right? So I put some pre-tax money into my HSA and use it to pay my out-of-pocket healthcare costs instead of using my after-tax money. For that to feel...

Thanks. Some complicated spreadsheets there. I'll look into it.

I have not done much in the way of making changes since introducing myself in this thread, but the one thing I have done so far is ditch my financial advisor. Now, I'm reading everything I can on this site and trying to absorb it all.

How does one go about estimating how much Roth conversion is large enough? Is there a rule of thumb? I think I'm in a similar situation as the OP, and the same question the OP asked has been on my mind.

Yeah. I posted a thread a few weeks ago to ask that very question--diversification across brokerage firms. One of my first questions after joining this site :). I have long held accounts at Schwab, but in view of the replies in that thread I decided that when I roll over my 401k it's going to...

I think traffic circles work best in places where there is a general culture of cooperation and the understanding of mutual benefit. Like some other traffic rules, traffic circles work well when every driver understands it is a give and take situation, where if we all obey the rules and take...

What is your baseline for "not safe"? I do not have recent firsthand experience, but the topic of whether the war in Gaza is affecting security as far away as Egypt has come up with some frequency in another forum I'm active on. Every report I have read by someone who has been there recently...