The robo advisors charge an extra 0.3-0.4% on top of Vanguard's expense ratios. So at the very least, from a cost perspective, they're more expensive than just using Vanguard.
(Side note: The target date funds have slightly higher expense ratios than just rolling your own with the same underlying funds and "Admiral" share classes.)
The question is, what is the value you're getting out of Betterment/Wealthfront? I don't recall where, but I've seen one or the other say that its estimated value-add was 0.7-1%. So less their fees, that's net positive (if you trust that).
Automated tax-loss harvesting is a big deal for workers. It saves you a little income tax at your marginal rate.
Automated rebalancing removes some of the annual work associated with maintaining your own portfolio (but so does a target-date fund).
At the end of the day, I'm not sure they're worth the fees... I still manage my own (simple index-fund portfolio). But they're pretty close to worth it.
They tend to pick an asset allocation and stick to it (plus some automated whizz-bang stuff like rebalancing or tax-loss harvesting). Once picked, the asset allocation is a bunch of index funds. In general index funds are very good at tracking their benchmark indices.
So it's mostly a question of, do they do a good job of picking asset allocation from the start?
Hm, in our kernel, when we need to do floating point, we just set a flag on the thread control block which preserves the floating registers on context switch, and then do our floating point operations. Maybe there is some API abstraction hiding the messy details :).
Assuming you care about the distinction between null and no such key (for many applications you can avoid storing null, IMO), you can actually perform the containsKey() after the get() for only keys which get() returns null. I think that see all of the perf overhead of a single lookup if most values are non-null.
I didn't get this error here, however I recieved the exact same error when I used my german "..@googlemail.com" mail address to register on appengine. After changing it to "..@gmail.com" it worked. If you are german, you could try that as well.
ok makes sense but i wouldnt write every change to the disk anyway. The server state can well be kept inside memory and only be saved once in a while, but nevertheless doing that in a different thread would make sense.
How many people make < $100,000 (required for the 1040EZ), withhold the "default," and get a $10,000 refund?
(And re: "default", I've looked and looked, and can't find such a thing. How do you determine a "default" withholding from a W-4 other than just taking your expected income tax for the year and dividing by pay days? If you do that, you shouldn't have a $10,000 refund...)
For what it's worth, in 2012 I made less than $100,000 in AGI, withheld the W-4 default for my filing status (Single, Independent), and my refund was $650. More or less right on the mark.
Edit: Aha! Found it. $100k biweekly is $1923/week of gross pay; let's ignore medicare and social security, etc. For Single/HoH, that's $344.20 + 28% of 1923-1732 = $397.68 weekly or $20679.36 / year. Since our expected total tax is $18,500, we get back $2,100 in refund. Big-ish, but not $10,000. And only 2% of $100k.