therealrootuser

This. I just went through every picture in the latest available Congressional Pictorial Directory, and I wasn't able to make a 100% sure identification, but my best guess was Rep. Andy Barr (Kentucky).

Upvoting entirely for the phrase "clown fiesta".

Vanguard has gotten rid of a lot of their investor-share classes of mutual funds. VTSAX used to have a $10k minimum. Now it has a $3k minimum, which used to be the amount to get the equivalent investor shares fund.

https://pressroom.vanguard.com/news/Press-Release-Vanguard-L...

Yep, the advent of ETFs has made it a lot easier to get started. I hadn't thought about the target date funds, that is a good thought.

This, exactly. The only "flaw" of Vanguard's admiral funds is the $3000 minimum. For many of my friends, that is a bit of a high hill to climb to get started. Then again, those same friends seem to think nothing about speculating on whatever the hipster cryptocurrency is, so perhaps they have a different set of issues they need to address.

Just this morning when I woke up, I opened the Vanguard app, bought some shares of VTI, then got out of bed and went on with my day. You can do the same exact thing with the Schwab app (I have accounts at both).

One reason I dislike Robinhood is that it seems to encourage speculative trading behavior as opposed to a proven long-term investment strategies. I don't care about free commissions much, because the only equities that I care about (index fund ETFs) are already available for free. I don't care at all about buying individual stocks. I don't care about buying cryptocurrencies either. And I don't care about cash management (y'know Robinhood, I have a real bank account that is actually FDIC insured, unlike the half-baked "savings" accounts you tried to sell us on) So for me, I actually greatly prefer using a more traditional brokerage that offers me exactly what I want and has a proven track record.

I don't know that I personally would use the adjective "ethical" to describe Schwab---that word can be taken so many different ways.

They are certainly a much better company to do business with than, say, Wells Fargo, and have largely avoided being completely terrible. Of course there was that nasty fiasco with the YieldPlus fund a few years ago...

There was the little known, but powerful combo called "GROUP" and "ARCHIVE". GROUP allowed you to package together a set of programs. Archive would allow you to take that group and store it in the long term memory of the calculator. You can then "clear the memory" of the calculator, but can then immediately unarchive the grouped programs and get everything back how it was.

That said, I don't recall my teachers ever getting too fussy about having us clear our memory; in fact, iirc one of them actually told us to write programs to handle some of the nastier formulas.

Anyway, in my opinion, a good mathematics course should focus less on regurgitation of formulas, and more on problems solving---recognizing which theorems or strategies might apply to a problem and applying them to come up with a result.

The problem isn't with 2FA, the problem is with SMS-based 2FA.

I would also look at the IIHS test results. Take the Model S for instance---it only gets an "acceptable" rating on the front driver side small overlap test, a test which many other cars are earning a "good" rating on.

Sure, Tesla's cars are generally very safe, but there is more than one way to measure safety, and Tesla doesn't always win.