Are there any downsides to rolling over a 401(k) to Vanguard? I have $63K in my previous employer’s 401(k) plan with Principal, split into both pre-tax ($21K) and Roth portions ($42K). I also have a brokerage account with Vanguard and am considering a direct rollover to consolidate my accounts in one place. Note, importantly: I’ve set up a Rollover IRA for pre-tax contributions, and a Roth IRA for Roth con…

Are there any downsides to using a vinyl backdrop? Had my first experienced with a paper backdrop for my new small homestudio, but it was a bit of a pain to use. I’ve looked into vinyl backdrops and they seem like a great solution for me in theory, reusable and two different colors on one roll. But I wonder if there are any downsides I’m not aware of? Keeping in mind I would just get white/black…

I’ve been reading that I need not rush to get COBRA if I’m in between jobs for about 1 to 1.5 months – are there any downsides to this? My last day of employment was October 16th. I will be starting a new role prior to December 1st. My former employer told me that the last day of medical insurance coverage is October 31st. I haven’t yet received any communication from COBRA about signing up, and my former employer hasn’t given me enough information about how to sign up either. …

Job wants to pay for an apartment. Downsides? I work in a remote position for a small business. Without going into detail, I am the bottleneck of the business. We deal with hundreds of clients and they all go through me because of my specialized degree and training. I currently live in a town that is not exactly my speed. There is a city about 1 hr away that I find much more exciting and t…

Four Downsides to High-Rise Buildings That People Don’t Consider You might think a high-rise apartment is nothing but spectacular views, doorman services, and luxury—but there are some downsides you only learn when you live there.

Are there any downsides to using services like affirm to finance purchases? Was just looking at a mattress online and it offered “Affirm” financing at 0% for 18 months. If I were to do that compared to buying outright I’d get ~$50 in HYSA interest. Seems like the only downside is the hassle. Am I missing anything here? submitted by /u/TheReformedBadger

Any downsides to USPS home pickup? Still operating out of my garage but have ~8 orders per day. It looks like USPS has free at home pickup. Ground advantage is like $.5 more that UPS, but home pickup would be very convenient and save time. Has anyone tried this? Thoughts? submitted by /u/wkern74

What are the downsides of zero percent financing? More and more these days I get offered buy-now-pay-later at zero percent financing (e.g. buy a $50 item for four monthly payments of $12.50). I usually avoid these because I think they encourage overconsumption and living beyond my means, I don’t like debt even if it’s zero percent, I assume there’s some gotcha, etc. If I can’t pay upfront, I ju…

Any downsides to leaving a car loan open after paying most of the loan off? Basically the title. I bought a car mostly in cash last year at a 5% interest rate. Had the money sitting in a HYSA as I was already saving up money to pay off student loans anyways. With student loans back I paid off every loan above my HYSA’s current 4.4% interest rate, including this car for the most part. What’s left on the loan is $800 and …

There Are Downsides To California’s Digital Driver Licenses With the advent of digital wallets in our pockets that can carry everything from debit cards to membership cards, it was only a matter of time before government identification went digital. KTLA reports that California is the attest state to roll out digital driver licenses and IDs for residents — but you might want… Read more…