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Sundae posted:Just look for general trends and don't focus on the individual content of any one review. Also, ignore anybody who sounds batshit crazy. They probably are. We really ought to teach critical thinking in high school. It’s amazing how much it’s allowed me to increase my pay (and get away with slacking off).
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Jun 23, 2019 23:50
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Ally lowered their rate .1% today booooooooo
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Jun 26, 2019 19:27
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spwrozek posted:Ally lowered their rate .1% today booooooooo And Wealthfront just raised theirs to 2.57%.
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Jun 26, 2019 20:47
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Is this AER/APY?
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Jun 26, 2019 20:53
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literally this big posted:And Wealthfront just raised theirs to 2.57%.
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Jun 26, 2019 20:58
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Anyone here actually have a Wealthfront savings account? There has to be a catch... constant upsells, some kind of restrictions, something.
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Jun 26, 2019 21:03
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I'm looking on their website and nothing jumps out at me but I was planning to do a little digging here before I toss my money over the wall in the next few days. This is in their fine print: quote:Cash Account is offered by Wealthfront Brokerage LLC (“Wealthfront Brokerage”), a member of FINRA/SIPC. Neither Wealthfront Brokerage nor its affiliates is a bank. The cash balance in the Cash Account is swept to one or more program banks where it earns a variable rate of interest and is eligible for FDIC insurance. FDIC insurance is not provided until the funds arrive at the program banks. FDIC insurance coverage is limited to $250,000 per qualified customer account per banking institution. Wealthfront Brokerage uses more than one program bank to ensure FDIC coverage of up to $1 million for your cash deposits. For more information on FDIC insurance coverage, please visit https://www.fdic.gov. Customers are responsible for monitoring their total assets at each of the program banks to determine the extent of available FDIC insurance coverage in accordance with FDIC rules. The deposits at program banks are not covered by SIPC. Hoodwinker fucked around with this message at 21:50 on Jun 26, 2019 |
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Jun 26, 2019 21:46
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Furia posted:Is this AER/APY? https://www.bankrate.com/banking/wealthfront-raises-apy-again/ My Rhythmic Crotch posted:Anyone here actually have a Wealthfront savings account? There has to be a catch... constant upsells, some kind of restrictions, something.
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Jun 26, 2019 22:20
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What do I need to consider when deciding what to do with a 401k from an employer that I am leaving? I see the options are leave it, do a rollover IRA, roll it into the new employers plan, or cash it out. I obviously don't want to do the last one, and I'd kinda rather leave this with Vanguard instead of the new plan. I mean, I don't think it accumulates faster if it's in a bigger pile? Maybe I'm wrong about that. So, what are the advantages or pitfalls between leaving it in my soon-to-be-ex employer's plan or rolling it over and leaving it in the rollover IRA?
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Jun 26, 2019 22:45
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Magnetic North posted:What do I need to consider when deciding what to do with a 401k from an employer that I am leaving? I see the options are leave it, do a rollover IRA, roll it into the new employers plan, or cash it out. I obviously don't want to do the last one, and I'd kinda rather leave this with Vanguard instead of the new plan. I mean, I don't think it accumulates faster if it's in a bigger pile? Maybe I'm wrong about that.
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Jun 26, 2019 22:45
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Magnetic North posted:What do I need to consider when deciding what to do with a 401k from an employer that I am leaving? I see the options are leave it, do a rollover IRA, roll it into the new employers plan, or cash it out. I obviously don't want to do the last one, and I'd kinda rather leave this with Vanguard instead of the new plan. I mean, I don't think it accumulates faster if it's in a bigger pile? Maybe I'm wrong about that. If your previous employer allows you to keep it there with all the same rates, expenses, etc, then there's no real harm in doing it if you like it. The only thing you'll have extra is remembering multiple logins, multiple forms, etc etc. No big deal. It's only a problem if they change the terms / costs for ex-employees, in which case you probably want to get it rolled over ASAP.
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Jun 26, 2019 23:08
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Hoodwinker posted:The only problem is if they charge any kind of fee for leaving it there. Sundae posted:If your previous employer allows you to keep it there with all the same rates, expenses, etc, then there's no real harm in doing it if you like it. The only thing you'll have extra is remembering multiple logins, multiple forms, etc etc. No big deal. It's only a problem if they change the terms / costs for ex-employees, in which case you probably want to get it rolled over ASAP. Where can I find that out? I couldn't find it on the plan's page on Vanguard's website. Do I just have to ask HR?
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Jun 26, 2019 23:44
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Hoodwinker posted:I'm looking on their website and nothing jumps out at me but I was planning to do a little digging here before I toss my money over the wall in the next few days. It's just a cash sweep account, the Bank I work for offers one. The transit time may offer a little tiny bit of risk, but they should be sweeping everyday. I wouldn't be worried about it since they're sweeping to FDIC insured FIs.
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Jun 27, 2019 04:52
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My phone just pinged me a notification that I've been budgeting consistently since 7/1/2013. In that time my net worth has gone from -$35k to nearly over $124k, thanks for all the support BFC.
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Jul 1, 2019 15:20
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100 HOGS AGREE posted:My phone just pinged me a notification that I've been budgeting consistently since 7/1/2013. In that time my net worth has gone from -$35k to nearly over $124k, thanks for all the support BFC. Hell yeah man! I started my thread in like 2011 or something. I went from -62k to now like 140k net worth. SA and BFC have immeasurably improved my life. I also now have two BASIL plants, so winning on all fronts. tuyop fucked around with this message at 00:12 on Jul 2, 2019 |
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Jul 1, 2019 21:54
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100 HOGS AGREE posted:My phone just pinged me a notification that I've been budgeting consistently since 7/1/2013. In that time my net worth has gone from -$35k to nearly over $124k, thanks for all the support BFC. tuyop posted:Hell yeah man! I started my thread in like 2011 or something. I went from -62k to now like 140k net worth. SA and BFC have immeasurably improved my life.  Basil For Comrades indeed.
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Jul 1, 2019 22:00
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tuyop posted:I also now have two BASIL plants, so winning on all fronts.
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Jul 2, 2019 22:18
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moana posted:I have eight little basil seedlings in my garden, can't wait for pesto harvest!! You just grow BASIL out in the open??
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Jul 5, 2019 21:31
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100 HOGS AGREE posted:My phone just pinged me a notification that I've been budgeting consistently since 7/1/2013. In that time my net worth has gone from -$35k to nearly over $124k, thanks for all the support BFC. First 100k is the hardest, it gets easier from here 
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Jul 6, 2019 01:14
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Grumpwagon posted:You just grow BASIL out in the open?? *Except fireworks and pet marmosets.
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Jul 7, 2019 06:59
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What happened to the corporate thread?
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Jul 8, 2019 12:36
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Currently named Sharepoint 2019
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Jul 8, 2019 12:37
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I'll rename it later today. Suggestions?
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Jul 8, 2019 13:41
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tuyop posted:SA and BFC have immeasurably improved my life. Same. BFC has been the best financial advisor I could ever hope for.
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Jul 8, 2019 13:41
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paternity suitor posted:Same. BFC has been the best financial advisor I could ever hope for. Yeah it's wild how good BFC was at turning my financials around. I'm debt free and saving for retirement! wheeeeeeeeee
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Jul 8, 2019 17:18
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Spokes posted:Yeah it's wild how good BFC was at turning my financials around. I'm debt free and saving for retirement! wheeeeeeeeee Not every decision we've made has been optimal, or even good, but there's just so much everyday good advice that it bleeds in to even the stupidest decision-making.
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Jul 10, 2019 17:36
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this is a random question but this week i found myself doing press interviews, this is completely out of my wheelhouse and is there anywhere i can get resources on how to do them better on the fly? i nailed 2 of them but the 3rd i kinda fumbled through a bit.
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Jul 14, 2019 18:01
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sneakyfrog posted:this is a random question but this week i found myself doing press interviews, this is completely out of my wheelhouse and is there anywhere i can get resources on how to do them better on the fly? i nailed 2 of them but the 3rd i kinda fumbled through a bit. https://www.dalecarnegie.com/en/courses/public-speaking-mastery
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Jul 14, 2019 18:08
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i mean if its is a deep dive on improvisation id look into it. normal public speaking is fine, its just the reactive curveball q and a that kinda threw me.
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Jul 14, 2019 18:15
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sneakyfrog posted:i mean if its is a deep dive on improvisation id look into it. normal public speaking is fine, its just the reactive curveball q and a that kinda threw me. One key thing: if you don't like the question, don't accept the premise. Never be afraid to steer the conversation in a way that you want it to go. I have no idea what you're talking about in these interviews though, so this is just general advice.
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Jul 15, 2019 00:16
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CelestialScribe posted:One key thing: if you don't like the question, don't accept the premise. Never be afraid to steer the conversation in a way that you want it to go. It's goo general advice. Also, don't be afraid to answer a question you want to (that is on script) in response to one you didn't want to be asked. Yes, I get it feels weird, but just keep moving and it totally works.
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Jul 15, 2019 01:54
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Man I hate it when people do that. It makes me wonder whether they're too dumb to understand the question or whether they have something to hide. So I just ask the exact same question again and it gets awkward.
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Jul 15, 2019 02:51
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Yep, that's exactly the game. People doing this to you are COUNTING you you being uncomfortable. Reporters know it already and don't feel at all bad about the re-asking, but if it's low stakes they just move on because that was your "hint" you aren't answering it.
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Jul 15, 2019 02:54
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Listen to NPR interview a politician on their morning show with a viewpoint that makes them uncomfortable to say out loud. You will hear the exact example of the non-answer described above. In live 1 minute interviews the host generally cannot go back and restate the question unless it is particularly important or their real answer is particularly off putting. Then listen to Terry Gross interview someone. She has a whole 30-60 minutes and it's edited from a recorded interview. She will drill down if you duck the question. If the person really doesn't want to answer you will see them work 3 different answers out. I don't have any examples off hand unfortunately.
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Jul 15, 2019 03:52
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Yeah, that's really a perfect example and I don't have exact clips to post either, but it's definitely that break between quick reporting and then long format reporting with a really good interviewer like Terry where you'll see her cut through that bullshit.
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Jul 15, 2019 04:05
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And depending on how important this is - hire a pr firm to help you with talking to media. It is an unnatural skill. It really depends on what you're talking about and what you're struggling with in the questions. (Hard questions, poor interviewer, boiling down complex topics to short sound bites, etc.)
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Jul 15, 2019 04:51
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It was more impromptu and unplanned, and the interviewer was just kind of bouncing around from topic to topic fairly willy nilly and due to the variety of systems we do it just forced me to switch gears really quickly, while translating from highly technical into layperson. I mean yeah i suppose the answer at the end of the day is me getting gud, Its somewhat of a new thing for me as i have been in much more of an applications design and implementation role talking to fellow SMEs and nerds, than front facing to decision makers and stakeholders, as well as rando press.
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Jul 15, 2019 22:19
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My experience with press interviews is that they will give you the questions ahead of time if you ask. If they refuse, they are already planning on making you look bad.
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Jul 15, 2019 22:22
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2 of my interviews did and that was good to plan out my bullet points, the 3rd was from a foreign chamber of commerce for our home company and they just said "we are just asking about what your doing here and what you have going on" which turned into asking specific questions without really understanding what we do, it definitely didnt seem malicious just uninformed questions
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Jul 15, 2019 22:31
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sneakyfrog posted:"we are just asking about what your doing here and what you have going on" which turned into asking specific questions without really understanding what we do, it definitely didnt seem malicious just uninformed questions Congratulations on passing audit 
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Jul 16, 2019 09:06
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