I am a US citizen living in the US (glass it from orbit please) and as the title implies I am wondering if it is possible to move my checking and savings account(s) to a bank that would allow that money to be converted and held as euros. From my research so far it does appear there are some banks that may be able to facilitate this (HSBC, Citi, Wells Fargo), but I was wondering if anyone had any experience with doing so?

In addition to recommendations or general thoughts about the bank(s) I should consider looking at I was also curious if:

• Direct deposits in USD were possible and how they were handled in terms of converting them (does it happen automatically, or is it a manual action)?
• Is it possible to use ACH debiting?

For whatever it's worth in case someone asks or wants to interject, most of my money is currently in my retirement accounts and not in my savings, I have an emergency fund and I won't be doing anything that might harm it.

Regardless of whether what I am asking

Put aside what you think about this news, this is likely going to happen as the admin doesn't care about legal challenges, they just implement policies.

I own my home, fixed rate mortgage, and I own both of our cars with no remaining payments. From my understanding, should I cease payments on the loan (they are privately owned debts) I can be sued for the debt and then wages garnished. My credit score will also suffer from a default, but again I own everything I have or it's on a fixed rate.

What does this process look like, and what are the tangible consequences for me?

I just came here to say fuck the US Securities Act of 1933. I am sure it must have some very important reason for existing, but at the moment it is preventing me from doing anything reasonable with my money.

In all seriousness, though, does any US Person who has lived abroad somewhat long term have any experience doing money business in the country of residence?

Specifically, I am trying to put some money (15K) aside for further education in about 7–10 years, and I am looking for an option to at least keep inflation at bay. Every option I look at from a Swiss bank has a clause in the fine print, blaming the US Securities Act of 1933 for not allowing any US Persons to even look at or distribute the document. Archive.org

Is my only option to invest in American banks? I just worry that it w

Looking for a brokerage with functional, individual API access to, at least, account positions, balances, and equity/fund/bond prices. Used to be happy with TDA, but they got bought by Scwab, whose API has been "pending" for six months.

I like to review my financial situation near the end of the year to prep for tax season, give to charity, etc. For any who cannot access the article or are too lazy, here are the things they recommend:

1. Tax loss harvesting
2. Contribute to retirement accounts
3. Convert IRA to Roth
4. Reassess risk tolerance
5. Review RMDs - only for 73+
6. Charitable contributions
7. Fund accounts for dependents

I check most of these, but more importantly I look at the new limits for 401k and IRA, as well at HSA limits for the upcoming year.

Is there something you like to do financially at the end of the year?

In this post, I'll provide a lot of basic information about investing, with links to additional reading for various concepts. Most of these concepts are not US-centric, though I will be mentioning US-specific details, such as tax-advantaged account types.

What's the difference between a mutual fund, etf, and index fund?

A mutual fund is a financial vehicle where assets from a large number of investors are pooled to be invested as one entity. Mutual funds have strategies, and investors invest based on how well the fund executes that strategy. For example, you may compare two large cap funds, and they have similar returns but one has a much lower expense ratio (the fees for running the fund), so you may choose the cheaper fund. Mutual funds generally can only be purchased after market hours, and only through a brokerage that has an agreement with the fund. If you buy a fund through a brokerage that doesn't sponsor the fund (e.g.

Most people take a simple view of cash: they have a checking account for spending and a savings account for savings, and if they get fancy, they'll have a CD for longer term savings goals. Power users will change to an online bank with better returns, and that's about as far as it goes. That certainly works, but we can do a lot better with few downsides and a lot of extra benefits.

I'd like to start with explaining how traditional banks work and then look at alternatives. Basically, banks make most of their money by lending it, either for mortgages, auto loans, credit cards, etc. Federal regulations require they keep a certain percentage of their assets in "cash," so they pay interest on checking and savings accounts to attract deposits. The larger the bank, the less they need to work for deposits since they have brand recognition. That's why you'll see higher interest rates at online only banks (e.g. SoFi, Ally, etc) than at huge brick and mortar banks (Wells Fargo, Chase, etc), they

My partner recently started a new job. Prior to her employment I had been paying into my employer personal supplemental insurance as well as spousal insurance. Now that my partner has employer provided and options for employer supplemental life insurance, what should we be looking at doing? Do I stop my spousal life insurance? Or for dual income is it not bad to have both partners have self and spousal life insurance in case of things like lay offs? Also any general life insurance advice is welcome. I've never understood if it is wise to have supplemental life insurance provided by the employer or found in the open market. Thanks.

I wasn't aware of this until now, probably because I never needed it. But if you're usually a good, on-time tax filer, but you forgot this year for some reason, you can apply to get fees waived.

Anyone have any experience with this? Just wondering how useful it is in practice.