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When charging a phone wirelessly, there is sometimes significant heat generated. That combined with higher charging rates that are now coming out with the Qi 2 standard make me wonder what the ideal charge for the battery would be.

Most of the time I just toss my phone onto a wireless charger before bed, and don’t really care how quickly it charges. Would it be better to use a 5W brick with a charging pad? Should wireless be avoided and usb used instead?

Some friends of mine have a Google map going where they pin locations of interest (restaurants, etc).

I was wondering if anyone knew of a non-Google project that might allow for something similar? The goal would be to have a shareable map that a group of invited/ allowed users could add locations and possibly notes to.

My employer recently switched to Fidelity and for now I've chosen the LIFEPATH IDX 2050 A option. It looks like this one provides quarterly dividends, but the yield is 0.0%(?)

I'm looking for some fairly risk adverse options or blends that provide dividends that will be reinvested. Anyone have any recommendations?

What are your thoughts on filen? I don't seem to be able to find a community for them here, but it seems like a pretty solid up and coming company for secure cloud storage options.

It's been years since I've checked the used electric market, but I'm seeing cars like the Hyundai Ionic 6 or Polestar 2 for low 30s, where as they were in the high 40s or mid 50s new a year ago.

My suspicion is that:

1. Normal car depreciation when driven off the lot
2. General fear of batteries wearing down prematurely, even if the car has ~10k miles
3. Any applicable federal rebates or otherwise have already been claimed and can't be claimed on used vehicles(?)

Is there any other reason why these drop so quickly? Would buying one be considered foolish in anyway?

I wanted to start using a budgeting program to better organize my spending/ goals, and basically narrowed it down to 3 --YNAB, Actual and Quicken Simplifi.

I setup a self-hosted instance of Actual and was able to import my spending from my account by exporting from my bank and importing into the app, however this seemed like it might get tedious over time, so I decided to try YNAB.

So far this has been pretty straight forward. I’m still waiting for things to sync up with my linked accounts, but I like it so far. I would try Simplifi but there’s no trial period there; though the graphs and UI make it seem appealing.

Anyone here have any experience with Simplifi/ YNAB, and why might you chose one over the other?

Hello,

So I recently revisited (and recreated) my savings spreadsheets so that I can track my needs, wants and savings. To try to keep track of my fixed costs and also try to follow the 50/30/20 rule (not sure if this is a good strategy or not).

I have everything mostly sorted, but as new things come up, say a new subscription or a cancelled one, changes in rent, etc. It will be a bit of a hassle to keep this up to date.

Are there any software/ apps that you guys use that you like that make this kind of thing easier to see where your money is going?

I've had a few people in my life tell me that they lost X % of their 401k during the (insert financial crisis).

Recently when a friend told me they lost 50% of their 401k in the 2008 time, I said: "Well you didn't really lose anything, because you still had the stocks, and even though they were worth less, you still had the same number of stocks, so you could have waited it out?"

To which my friend replied: "That would be true if the person managing my 401k didn't sell".

I hadn't actually thought about that. I mean personally most of my funds are in age based target funds, but those funds are also managed by someone, right? So is there a way to prevent someone from selling your stocks if the economy tanks? I have a pretty long retirement horizon (still in my 30s) so I can weather the storm for a bit.

Edit: Thank you everyone for the insightful answers. This really helps to clear things up

Hey all,

I've been lurking this sub for a bit, and came across your flow chart (which is very similar to the American one, minus the HSA for health care).

Aside from some naming differences, the goals are more or less in alignment. Save 15% of pre tax income for retirement, emergency fund, pay off debts, etc.

Having followed this for some time now, and considering moving to Canada in the future, how screwed would I be in terms of the work I've put into my savings for retirement? Most of it is post tax (Roth), so it might not be as bad as I'm imagining.

In that situation I've heard people leave their accounts as is in the states to let them compound, as you cannot contribute to them with money earned outside of the US.

Does anyone have any insights?

Ok, so I've been contributing to a backdoor for almost a year, and since I don't have the liquidity to just find it outright at the beginning of the year, I put some in each paycheck. Sometimes while it's sitting in my settlement fund, it will gain like $0.10-$0.30 before I get a chance to move it to my rIRA.

I know after a certain point, you can be taxed on those earnings, but at what point is that? If I have a total of like $5 in earnings in my tIRA the whole year, does that jeopardize my rIRA, or would I just owe on that $5?

I have been contributing to a HSA the last couple years, and it's been fine. My work contributes $1800 over the year and it hasn't really been a problem at all.

Now I have a kid and a spouse on my insurance, and they tend to go fairly often it seems. The copay and deductible on the HDHP is a bit crazy and I'm thinking of swapping to a PPO. Is that a good idea, or is turning down the free $1800 from my work a no no?

Here is a link to the plans

I've noticed that sometimes when a particular VM/ service is having issues, they all seem to hang. For example, I have a VM hosting my DNS (pihole) and another hosting my media server (jellyfin). If Jellyfin crashes for some reason, my internet in the entire house also goes down because it seems DNS is unable to be reached for a minute or so while the Jellyfin VM recovers.

Is this expected, and is there a way to prevent it?