FA
First Advantage Corporation Common Stock
stock NASDAQ

Here's my quick and simple DD:
\- stock is trading under $5 when it's been over $10 for basically its entire history, over $20 for a lot of it
\- all those crazy prices were before the pipeline (yes this company produces oil, not socks) was even functioning; now it's pumping out 50k barrels a day
\- orange man is all in on this and will try every trick in the book (and out the book) to make sure this company succeeds
\- mango man has already declared an emergency to allow this company to pump oil and is considering a land grab now to stop Cali from interfering
\- earnings next week will show the company's first full quarter of pumping oil and should serve as a strong catalyst
Furthermore, the stock is immune to oil pressures:
oil goes down -> stonks go up -> $SOC goes up
oil goes up -> revenue goes up -> $SOC goes up
literally cannot go tits up (not FA)

If you’re going to speak to professionals then you’ll definitely get the guidance you need. In these sorts of matters I’d defer to an accountant not a financial advisor - an FA is just going to try to sell you on services. A CPA probably will bill a flat fee or hourly and has no skin in the game based on which tax advantaged option you take, therefore they’ll likely advise you of what’s best for you. Best of luck!

# Today is Thursday, the 6th of August
## Upcoming events for Thursday, August 6th
- Stock splits:
- GRNQ @ **1:10**
- BYAH @ **1:8**
- SUGP @ **1:5**
- Expected earnings:
AAOI, ABNB, ABX, ACDC, ACET, ACFN, ACHV, ACIW, ACLS, ACRS, AES, AFL, AGEN, AGO, AHR, AIG, AIP, AKAM, ALDX, ALEC, ALGS, ALRM, ALTG, AMLX, AMN, AMPH, AMRZ, AMTX, AORT, APC, APPN, APT, APYX, ARBE, ARCT, ARDX, ARHS, ARL, ARLO, ARW, ASLE, ASND, ASPN, ASTH, ATI, ATLC, ATS, ATYR, AUPH, AVD, AVIR, AVNT, AVPT, AVTX, AXIA, BAER, BAK, BARK, BCAB, BCE, BCIC, BDTX, BDX, BFS, BHF, BIRD, BJDX, BKSY, BKV, BLFS, BLND, BLNK, BMRN, BNT, BOBS, BRLT, BRNS, BRT, BSY, BTG, BUR, BXSL, CABA, CABO, CARG, CARS, CART, CBL, CCCC, CCLD, CCOI, CCSI, CECO, CEG, CELH, CENX, CGBD, CGEM, CGTX, CHCI, CHGG, CIA, CION, CLAR, CLDX, CLLS, CLNE, CLPR, CLSK, CMRC, CNCK, CNQ, CNR, COCH, COLD, COLL, CON, COP, CPHC, CPK, CQP, CRAI, CRNC, CRON, CRSR, CRVS, CTM, CTMX, CTRE, CTSO, CVRX, CVSA, CWST, CYRX, CYTK, DAN, DBX, DCGO, DCO, DCTH, DDOG, DFLI, DFTX, DKNG, DMLP, DNLI, DNN, DNOW, DNUT, DOCS, DOUG, DRVN, DSGR, DTI, DTIL, DV, ECOR, ED, EDRY, EFC, EFXT, EGY, ELTX, ENOV, EPAM, EQX, ESAB, ESE, ESTA, EVH, EVMN, EVRG, EWTX, EXFY, FA, FDUS, FGNX, FIGS, FIRY, FISV, FIVN, FLL, FNKO, FOUR, FOX, FOXA, FOXF, FRD, FROG, FSK, FTDR, FUN, FVR, FWONA, FWONK, G, GAIN, GAU, GCT, GEL, GEN, GENB, GENI, GEO, GEOS, GEVO, GHM, GHRS, GLIBA, GLIBK, GLUE, GMAB, GMED, GNE, GNLX, GOGO, GOLF, GPGI, GPRE, GRDN, GRND, GRNT, GROV, GRPN, GSAT, GSBD, GTIM, HAE, HALO, HASI, HCAT, HCI, HEPS, HG, HHS, HIMX, HTZ, HUBG, HWM, HYPR, IAG, IBOC, IBP, ICFI, ICUI, IDR, IFRX, IIIV, IMA, IMCR, IMKTA, IMUX, IMVT, INAB, INDI, INGN, INMB, INOD, INSM, IOR, IOVA, IRTC, IRWD, ITT, IX, JANX, JHX, JYNT, KDK, KDP, KELYA, KELYB, KGS, KINS, KOP, KRMN, KRT, KURA, KVHI, KVUE, KWY, LAMR, LASR, LCLN, LCTX, LCUT, LEE, LEG, LFST, LGND, LIDR, LION, LIVE, LLYVA, LLYVK, LNG, LNSR, LNTH, LOAR, LOCO, LOMA, LONA, LQDT, LSTA, LX, LXRX, LYFT, MAGN, MAIN, MARA, MATW, MBI, MBX, MCHP, MDRR, MDU, MDV, MERC, MFIC, MHH, MITK, MKTW, MLCO, MMI, MMS, MNR, MNST, MP, MRVI, MSC, MSDL, MTSI, MTVA, MTW, MVIS, NATR, NAVI, NCDL, NEPH, NET, NEWT, NGVC, NMAD, NNI, NOG, NRDS, NRDY, NREF, NSIT, NTCT, NTGR, NTLA, NTRA, NUTX, NUVB, NVAX, NVMI, NXST, NXTC, OABI, OCGN, OFRM, OM, OMDA, ONIT, ONL, ONTO, OPTU, ORGO, ORIO, OSCR, OSG, OTEX, OUST, PAR, PAYO, PBH, PBR, PBR.A, PBYI, PCSA, PCT, PDFS, PDYN, PENN, PEPG, PESI, PGNY, PH, PK, PLNT, PLRX, PLSE, PLTK, PMTS, PMVP, POST, PRAA, PRAX, PRDO, PRME, PROF, PRQR, PRTA, PRTH, PRTS, PRVA, PSIX, PTON, PUBM, PZZA, QBTS, QDEL, QNRX, QNST, QRHC, QSR, QTI, RANI, RAPP, RC, RCAT, RCEL, RCKT, REAL, REAX, REFR, REPL, REVB, RGA, RGCO, RGNX, RGTI, RHLD, RHP, RILY, RKT, RL, RLAY, RLJ, RLMD, RLYB, RMAX, RMD, RNAC, ROIV, ROKU, RSG, RWAY, RXO, RZC, SABR, SABS, SARO, SDHC, SENEA, SENEB, SENS, SERV, SEZL, SG, SGI, SHAZ, SHC, SHO, SI, SIGA, SKIN, SKYE, SLF, SLN, SNOA, SNTI, SNWV, SOBR, SPH, SPT, SRE, SRRK, SSII, SSP, STEP, STHO, STLN, STRO, STRW, STWD, SUIG, SUNS, SVCO, SVV, SYNA, TAP, TAP.A, TBCH, TCBS, TCI, TCPC, TCX, TDAY, TEAD, TEAM, TECX, TFX, TIC, TIGO, TLSI, TNDM, TRC, TRGP, TRIP, TRVI, TSQ, TTD, TTGT, TWLO, TXG, TXRH, U, UE, UEIC, UMAC, UPLD, USFD, UTZ, UWMC, VAC, VATE, VEEE, VHI, VIA, VISN, VITL, VNT, VRCA, VSNT, VSTM, VTEX, VTGN, VTRS, WBD, WD, WEAV, WEST, WFCF, WHG, WHWK, WLDN, WMS, WPM, WRBY, WRN, WSC, WTM, WWR, XENE, XERS, XPOF, XRAY, XZO, YELP, YPF, ZD, ZLAB, ZTS, ZYME
- Ex-div:
AGGA, ASEC, BMRC, EGBN, FELE, GOLI, HNVR, HOPE, LVHD, MGYR, NWBI, ODTE, OPBK, QQQY, SATA, SDSI, SIMO, TRS, ULTI, USOY, WFRD, WTFC, YQQQ
- Economic events and announcements:
- ADP Nonfarm Employment Change (actual: 44K, consensus: 68K, previous: 95K)
- Crude Oil Imports (actual: 0.297M, previous: -0.237M)
- Crude Oil Inventories (actual: 2.479M, consensus: -1.500M, previous: -7.167M)
- Cushing Crude Oil Inventories (actual: 2.356M, previous: -0.771M)
- Distillate Fuel Production (actual: -0.134M, previous: 0.015M)
- EIA Refinery Crude Runs (actual: -0.183M, previous: 0.271M)
- EIA Weekly Distillates Stocks (actual: -3.473M, consensus: 0.200M, previous: 1.062M)
- EIA Weekly Refinery Utilization Rates (actual: -0.7%, previous: 1.1%)
- FOMC Member Daly Speaks
- Fed Governor Cook Speaks
- Gasoline Inventories (actual: -1.643M, consensus: -1.300M, previous: 0.007M)
- Gasoline Production (actual: -0.309M, previous: 0.178M)
- Heating Oil Stockpiles (actual: -0.144M, previous: 0.308M)
- ISM Non-Manufacturing Business Activity (actual: 59.1, previous: 55.4)
- ISM Non-Manufacturing Employment (actual: 47.4, consensus: 51.2, previous: 51.2)
- ISM Non-Manufacturing New Orders (actual: 57.2, consensus: 55.9, previous: 55.1)
- ISM Non-Manufacturing PMI (actual: 54.1, consensus: 54.5, previous: 54.0)
- ISM Non-Manufacturing Prices (actual: 70.3, consensus: 65.0, previous: 67.7)
- MBA 30-Year Mortgage Rate (actual: 6.81%, previous: 6.76%)
- MBA Mortgage Applications (actual: -2.9%, previous: -6.4%)
- MBA Purchase Index (actual: 154.0, previous: 159.8)
- Mortgage Market Index (actual: 240.0, previous: 247.2)
- Mortgage Refinance Index (actual: 709.1, previous: 723.1)
- S&P Global Composite PMI (actual: 54.5, consensus: 53.6, previous: 51.9)
- S&P Global Services PMI (actual: 54.6, consensus: 53.6, previous: 51.2)
- U.S. President Trump Speaks
## Upcoming events for Friday, August 7th
- Stock splits:
- IPW @ **1:9**
- JUNS @ **1:75**
- Expected earnings:
ACMR, AD, AIRS, AMR, ANIP, AQN, ARKO, ASIX, ATMU, BRK.A, BRK.B, BXBL, CGC, CLMT, CNTY, CTEV, CYD, DCBO, DCH, DIT, EMA, EMBC, ESNT, FLR, GLP, GTN, GTN.A, HE, JOUT, KRP, MBGL, MDA, NB, OKLO, PAA, PPL, ROAD, RPID, SLVM, SPB, TDS, TG, TILE, TMCI, TRLV, TTWO, TUSK, UA, UAA, ULBI, VST, WEN
- Ex-div:
ARCB, ARLP, BKR, CFFN, CMCO, CWBC, CZWI, FCBC, FRAF, FRBA, FRST, FSBW, JBHT, MMLP, PCB, RELL, SATA, SFBC, WSFS
- Economic events and announcements:
- 4-Week Bill Auction (previous: 3.630%)
- 8-Week Bill Auction (previous: 3.675%)
- Atlanta Fed GDPNow (consensus: 5.9%, previous: 5.9%)
- Challenger Job Cuts (actual: -46.1%, previous: -4.5%)
- Challenger Job Cuts (actual: 33.429K, previous: 45.849K)
- Continuing Jobless Claims (consensus: 1,790K, previous: 1,782K)
- Fed's Balance Sheet (previous: 6,738B)
- Initial Jobless Claims (consensus: 203K, previous: 197K)
- Jobless Claims 4-Week Avg. (previous: 202.75K)
- Natural Gas Storage (consensus: 30B, previous: 28B)
- Nonfarm Productivity (consensus: 0.6%, previous: 0.3%)
- Reserve Balances with Federal Reserve Banks (previous: 2.944T)
- Unit Labor Costs (consensus: 2.2%, previous: 1.8%)
- Wholesale Inventories (consensus: 0.3%, previous: 0.3%)
- Wholesale Trade Sales (previous: 3.4%)
## Upcoming events for Saturday, August 8th
- Economic events and announcements:
- Average Hourly Earnings (YoY) (previous: 3.5%)
- Average Hourly Earnings (consensus: 0.3%, previous: 0.3%)
- Average Weekly Hours (previous: 34.3)
- CFTC Aluminium speculative net positions (previous: -0.7K)
- CFTC Copper speculative net positions (previous: 67.3K)
- CFTC Corn speculative net positions (previous: 254.3K)
- CFTC Crude Oil speculative net positions (previous: 120.1K)
- CFTC Gold speculative net positions (previous: 182.1K)
- CFTC Nasdaq 100 speculative net positions (previous: 4.9K)
- CFTC Natural Gas speculative net positions (previous: -190.8K)
- CFTC S&P 500 speculative net positions (previous: -17.2K)
- CFTC Silver speculative net positions (previous: 22.2K)
- CFTC Soybeans speculative net positions (previous: 211.8K)
- CFTC Wheat speculative net positions (previous: -2.0K)
- Consumer Credit (consensus: 12.10B, previous: -0.18B)
- FOMC Member Barkin Speaks
- Government Payrolls (previous: 8.0K)
- Manufacturing Payrolls (previous: 3K)
- NY Fed 1-Year Consumer Inflation Expectations (previous: 3.7%)
- Nonfarm Payrolls (consensus: 88K, previous: 57K)
- Participation Rate (previous: 61.5%)
- Private Nonfarm Payrolls (previous: 49K)
- U.S. Baker Hughes Oil Rig Count (previous: 451)
- U.S. Baker Hughes Total Rig Count (previous: 588)
- U6 Unemployment Rate (previous: 7.9%)
- Unemployment Rate (consensus: 4.2%, previous: 4.2%)
^^^^2026-08-06

AF or FA?

Sir, I don't give FA. I just gamble.

Nach meiner Lesart muss dem das FA darlegen, dass der Verkäufer den korrekten Preis kannte und bewusst auf einen höheren Preis verzichtet hat. Dies dürfte schwer zu belegen sein. Ein Schnäppchen wäre dann auch faktisch nicht möglich mE.

Zu klären ist, wer nun beschenkt wurde. Wenn ihr beide 50/50 habt, dann seid ihr beide zu gleichen Teilen beschenkt (sollte das Finanzamt recht haben). So kann man deine Steuerlast senken bzw. sollte unter den Freibetrag rutschen.
Es scheint, als ob das Finanzamt den Vorgang in einen entgeltlichen und einen unentgeltlichen Teilvorgang aufteilt. Was grundsätzlich nicht falsch ist. Wobei ich mir nicht sicher bin, wie es im Verhältnis zu deinem Nicht-Mann ist. Denn ein fremder Dritter kann das Haus auch zu günstig kaufen und dann ist es keine Schenkung.
Ja, Kredite zwischen nahen Angehörigen, die nicht verzinst werden, sind als Schenkung anzusehen, weil sie nicht fremdüblich sind. Es wird ein fiktiver Zinsanteil berechnet.
Ihr habt ja bestimmt einen Darlehensvertrag und dort die Rückzahlungen, die Höhe etc. geregelt.
Eine Rückabwicklung dürfte m. E. schwierig sein, da ihr schon alles eingetragen habt etc.
Ob Schenkungsteuer anfällt, hängt von der Summe ab. Dein Vater kann dir als Tochter 400.000 € steuerfrei schenken.
Abschließend, und das ist der wichtigere Punkt: Das FA nimmt den Wert lt. Bewertungsgesetz. Wenn dieser nicht zutreffend ist, hat man die Möglichkeit, einen niedrigeren anzusetzen, braucht dafür aber einen Nachweis (Gutachten etc.).

Bekommen wir auch deinen Bescheid anschließend zu sehen? Kenne das gut von Bekannten, die sich für besonders schlau halten und jeden Käse ansetzen. Naja, bis der Sachbearbeiter vom FA kürzt und Rückfragen stellt.
Wenns ordentlich gemacht ist, dann gute Arbeit. Schönes Geld, was man nicht ans FA verschenken sollte.

# Today is Wednesday, the 5th of August
## Upcoming events for Wednesday, August 5th
- Expected earnings:
AACG, AAUC, ABCL, ABUS, ACA, ACB, ACIC, ACT, ACTG, ADMA, ADNT, ADV, AEVA, AGBK, AGL, AHT, AIRG, AKA, AKBA, ALB, ALL, ALNT, ALTO, AMPL, AMPX, AMPY, AMSC, ANAB, APA, APLE, APP, ARQT, ARRY, ARTV, ASMB, ASTE, ASYS, ATEN, ATNI, ATO, AUGO, AUST, AVT, AWR, AXON, BAM, BATRA, BATRK, BBD, BBDC, BBDO, BBSI, BCO, BCRX, BDSX, BGSF, BHR, BIOA, BKH, BLBD, BLLN, BLMN, BMBL, BROS, BTMD, BVS, BWA, BYND, CACI, CAI, CAPL, CARL, CCU, CDE, CDLX, CDRE, CDW, CENT, CENTA, CF, CG, CGNX, CHH, CHRD, CHRS, CHYM, CIM, CLFD, CLOV, CMP, CMPS, CNTX, COKE, COOK, COR, CPA, CPAY, CPRI, CPS, CRCL, CRL, CRTO, CRUS, CRVL, CSTE, CSV, CTKB, CVS, CW, CWEN, CWK, CXT, CXW, CYN, DASH, DAVE, DEC, DGII, DHT, DHX, DIBS, DIN, DIOD, DIS, DK, DKL, DLX, DNA, DOX, DT, DUOL, DXPE, EBAY, EBS, ECPG, ECVT, EE, EHC, ELA, ELAN, ELF, ELPC, EOLS, EOSE, EPC, ERII, ERO, ETSY, EVCM, EVEX, EVGO, EXEL, EXPE, EXTR, EYPT, EZPW, FG, FIG, FIP, FLNC, FLUT, FNF, FRPT, FSLY, FSM, FTCI, FUBO, FWRD, GBLI, GDRX, GENK, GERN, GFF, GFR, GFS, GILT, GLXY, GNK, GNL, GNW, GOOD, GPCR, GPMT, GPN, GRAL, GROY, GSL, GT, GTM, HBB, HCC, HDSN, HGTY, HHH, HLF, HLLY, HLX, HMC, HMH, HMN, HNNA, HNST, HONA, HP, HPP, HRTG, HSBC, HST, HUBS, ICL, IEP, III, IMNM, INMD, INN, INSE, INSG, INTR, INVA, INVZ, IONQ, IRM, ITIC, JJSF, JOBY, KD, KHC, KLIC, KLTR, KLXE, KMPR, KMT, KNTK, KRMD, KRO, KVYO, KYMR, LAB, LAW, LB, LCII, LEGH, LENZ, LESL, LEU, LFCR, LFMD, LILA, LILAK, LINE, LIVN, LLY, LPG, LPX, LSF, LTBR, LTC, LZ, MATV, MCK, MCRB, MDLN, MELI, MET, MFA, MFC, MGEE, MGNI, MGY, MIAX, MIRM, MKSI, MLR, MNKD, MNTK, MRAM, MSI, MTDR, MTRN, MUR, MUSA, MUX, MWA, MYO, NAMS, NATL, NC, NEXA, NHP, NI, NICE, NINE, NL, NLOP, NMRA, NNBR, NNN, NOVT, NRP, NSLR, NTR, NVO, NVST, NWN, NWS, NWSA, NXL, NYT, NYXH, O, OBDC, OC, OCSL, OEC, OESX, OFIX, OFLX, OGC, ONC, ONT, OPI, OPRT, ORA, OSS, OSUR, OTF, OUT, OXY, PACB, PAYC, PAYS, PCVX, PFX, PKOH, PNTG, PODD, POWI, PPBT, PR, PRGO, PRI, PRMB, PRSU, PSBD, PSX, PTGX, PTLO, PTRN, PULM, QGEN, QNTM, QTTB, RAMP, RAND, RCMT, RCUS, RDN, RDW, REI, RELY, REPX, RGLD, RIG, RIOT, RMR, ROCK, ROOT, RPC, RPRX, RRX, RUN, RVMD, RXRX, RXST, RYDE, RYN, SAFT, SATL, SBGI, SBLK, SD, SDGR, SEDG, SEER, SEG, SEI, SGHT, SGU, SHAK, SHOP, SII, SITM, SKM, SM, SMA, SMR, SMRT, SMSI, SN, SNDK, SNES, SNEX, SOBO, SOLV, SOUN, SR, SRI, SRPT, SST, STAA, STE, SVC, SVCC, SWX, SYM, TACT, TARS, TASK, TATT, TBLA, TDUP, TECH, TFPM, TGB, TKNO, TLN, TNC, TNYA, TPC, TPL, TPVG, TRDA, TRI, TRIN, TRMB, TRNO, TROX, TRUP, TS, TTMI, TWFG, UBER, UGI, UHAL, UHAL.B, UMH, UPB, URGN, USPH, UTHR, UTI, UUUU, UVV, VAL, VCTR, VECO, VEL, VIAV, VIR, VNDA, VPG, VRDN, VRRM, VSEC, VSH, VVV, VYGR, VYX, WBI, WDC, WES, WMG, WMK, WTI, WTS, WULF, WW, XNCR, XNDU, XPEL, XPER, XPL, XRN, XYZ, YOU, Z, ZBH, ZG, ZIP, ZNTL, ZVIA, ZVRA
- Ex-div:
AIPI, ALTY, BPRN, CEPI, DUKH, EFAS, FEPI, HBANZ, HFWA, JMSB, LEND, MST, NBBK, ONBPO, ONBPP, QDTY, QLDY, RDTY, SATA, SDTY, SRET, TSYX, UVSP, WTBA, XBCI, XQQI, XSPI, YBMN
- Economic events and announcements:
- 52-Week Bill Auction (actual: 3.880%, previous: 3.860%)
- API Weekly Crude Oil Stock (actual: 2.690M, consensus: -2.000M, previous: 3.296M)
- All Car Sales (actual: 2.70M, previous: 2.69M)
- All Truck Sales (actual: 13.62M, previous: 13.87M)
- Atlanta Fed GDPNow (actual: 5.9%, consensus: 6.2%, previous: 6.2%)
- Durables Excluding Defense (actual: 0.5%, consensus: 0.3%, previous: 0.3%)
- Durables Excluding Transport (actual: 0.7%, previous: 0.6%)
- Exports (actual: 314.70B, previous: 317.70B)
- Factory Orders (actual: -0.3%, consensus: 0.2%, previous: -1.1%)
- Factory orders ex transportation (actual: -0.4%, previous: 2.0%)
- Fed Schmid Speaks
- IBD/TIPP Economic Optimism (actual: 45.1, consensus: 47.5, previous: 45.5)
- Imports (actual: 388.00B, previous: 395.30B)
- JOLTS Job Openings (actual: 7.359M, consensus: 7.440M, previous: 7.537M)
- Redbook (actual: 8.7%, previous: 8.3%)
- Trade Balance (actual: -73.30B, consensus: -73.00B, previous: -77.60B)
## Upcoming events for Thursday, August 6th
- Stock splits:
- GRNQ @ **1:10**
- BYAH @ **1:8**
- SUGP @ **1:5**
- Expected earnings:
AAOI, ABNB, ABX, ACDC, ACET, ACFN, ACHV, ACIW, ACLS, ACRS, AES, AFL, AGEN, AGO, AHR, AIG, AIP, AKAM, ALDX, ALEC, ALGS, ALRM, ALTG, AMLX, AMN, AMPH, AMRZ, AMTX, AORT, APC, APPN, APT, APYX, ARBE, ARCT, ARDX, ARHS, ARL, ARLO, ARW, ASLE, ASND, ASPN, ASTH, ATI, ATLC, ATS, ATYR, AUPH, AVD, AVIR, AVNT, AVPT, AVTX, AXIA, BAER, BAK, BARK, BCAB, BCE, BCIC, BDTX, BDX, BFS, BHF, BIRD, BJDX, BKSY, BKV, BLFS, BLND, BLNK, BMRN, BNT, BOBS, BRLT, BRNS, BRT, BSY, BTG, BUR, BXSL, CABA, CABO, CARG, CARS, CART, CBL, CCCC, CCLD, CCOI, CCSI, CECO, CEG, CELH, CENX, CGBD, CGEM, CGTX, CHCI, CHGG, CHMI, CIA, CIB, CION, CLAR, CLDX, CLLS, CLNE, CLPR, CLSK, CMRC, CNCK, CNQ, CNR, COCH, COLD, COLL, CON, COP, CPHC, CPK, CQP, CRAI, CRNC, CRON, CRSR, CRVS, CTM, CTMX, CTRE, CTSO, CVRX, CVSA, CWST, CYRX, CYTK, DAN, DBX, DCGO, DCO, DCTH, DDOG, DFLI, DFTX, DKNG, DMLP, DNLI, DNN, DNOW, DNTH, DNUT, DOCS, DOUG, DRVN, DSGR, DTI, DTIL, DV, ECOR, ED, EDRY, EFC, EFXT, EGY, ELTX, ENOV, EPAM, EQX, ESAB, ESE, ESTA, EVH, EVMN, EVRG, EWTX, EXFY, FA, FDUS, FGNX, FIGS, FIRY, FISV, FIVN, FLL, FNKO, FOUR, FOX, FOXA, FOXF, FRD, FROG, FSK, FTDR, FUN, FVR, FWONA, FWONK, G, GAIN, GAU, GCT, GEL, GEN, GENB, GENI, GEO, GEOS, GEVO, GHM, GHRS, GLIBA, GLIBK, GLUE, GMAB, GMED, GNE, GNLX, GOGO, GOLF, GPGI, GPRE, GRDN, GRND, GRNT, GROV, GRPN, GSAT, GSBD, GTIM, HAE, HALO, HASI, HCAT, HCI, HEPS, HG, HHS, HIMX, HTZ, HUBG, HWM, HYPR, IAG, IBOC, IBP, ICFI, ICUI, IDR, IFRX, IIIV, IMA, IMCR, IMKTA, IMUX, IMVT, INAB, INDI, INGN, INMB, INOD, INSM, INTS, INUV, IOR, IOVA, IRTC, IRWD, ITT, IX, JANX, JHX, JYNT, KDK, KDP, KELYA, KELYB, KGS, KINS, KOP, KRMN, KRT, KURA, KVHI, KVUE, KWY, LAMR, LASR, LCLN, LCTX, LCUT, LEE, LEG, LFST, LGND, LIDR, LION, LIVE, LLYVA, LLYVK, LNG, LNSR, LNTH, LOAR, LOCO, LOMA, LONA, LQDT, LSTA, LX, LXRX, LYFT, MAGN, MAIN, MARA, MATW, MBI, MBX, MCHP, MDRR, MDU, MDV, MERC, MFIC, MHH, MITK, MKTW, MLCO, MMI, MMS, MNR, MNST, MP, MRVI, MSC, MSDL, MTSI, MTVA, MTW, MVIS, NABL, NATR, NAVI, NCDL, NEPH, NET, NEWT, NGVC, NMAD, NNI, NOG, NRDS, NRDY, NREF, NSIT, NSYS, NTCT, NTGR, NTLA, NTRA, NUTX, NUVB, NVAX, NVMI, NXST, NXTC, OABI, OCGN, OFRM, OM, OMDA, ONIT, ONL, ONTO, OPTU, ORGO, ORIO, OSCR, OSG, OTEX, OUST, PANL, PAR, PAYO, PBH, PBR, PBR.A, PBYI, PCSA, PCT, PDFS, PDYN, PENN, PEPG, PESI, PGNY, PH, PK, PLNT, PLRX, PLSE, PLTK, PMTS, PMVP, POST, PRAA, PRAX, PRDO, PRME, PROF, PRQR, PRTA, PRTH, PRTS, PRVA, PSIX, PTON, PUBM, PZZA, QBTS, QDEL, QNRX, QNST, QRHC, QSR, QTI, QTRX, RANI, RAPP, RC, RCAT, RCEL, RCKT, REAL, REAX, REFR, REPL, REVB, RGA, RGCO, RGNX, RGTI, RHLD, RHP, RILY, RKT, RL, RLAY, RLJ, RLMD, RLYB, RMAX, RMD, RNAC, ROIV, ROKU, RSG, RWAY, RXO, RZC, SABR, SABS, SARO, SDHC, SENEA, SENEB, SENS, SERV, SEZL, SG, SGI, SHAZ, SHC, SHO, SI, SIGA, SKIN, SKYE, SLF, SLN, SNOA, SNTI, SNWV, SOBR, SPH, SPT, SRE, SRRK, SSII, SSP, SSTK, STEP, STHO, STLN, STRO, STRW, STWD, SUIG, SUNS, SVCO, SVV, SYNA, TAP, TAP.A, TBCH, TCBS, TCI, TCPC, TCX, TDAY, TEAD, TEAM, TECX, TFX, TIC, TIGO, TLSI, TM, TNDM, TRC, TRGP, TRIP, TRVI, TSQ, TTD, TTGT, TWLO, TXG, TXRH, U, UE, UEIC, UMAC, UPLD, USFD, UTZ, UWMC, VAC, VEEE, VHI, VIA, VISN, VITL, VNT, VRCA, VRM, VSNT, VSTM, VTEX, VTGN, VTRS, WBD, WD, WEAV, WEST, WFCF, WHG, WHWK, WLDN, WMS, WPM, WRBY, WRN, WSC, WTM, WWR, XENE, XERS, XPOF, XRAY, XZO, YELP, YPF, ZD, ZLAB, ZTS, ZYME
- Ex-div:
BMRC, EGBN, FELE, HNVR, HOPE, MGYR, NWBI, OPBK, SATA, SIMO, TRS, WFRD, WTFC
- Economic events and announcements:
- ADP Nonfarm Employment Change (consensus: 68K, previous: 98K)
- Crude Oil Imports (previous: -0.237M)
- Crude Oil Inventories (consensus: -1.500M, previous: -7.167M)
- Cushing Crude Oil Inventories (previous: -0.771M)
- Distillate Fuel Production (previous: 0.015M)
- EIA Refinery Crude Runs (previous: 0.271M)
- EIA Weekly Distillates Stocks (previous: 1.062M)
- EIA Weekly Refinery Utilization Rates (previous: 1.1%)
- Fed Governor Cook Speaks
- Gasoline Inventories (previous: 0.007M)
- Gasoline Production (previous: 0.178M)
- Heating Oil Stockpiles (previous: 0.308M)
- ISM Non-Manufacturing Business Activity (previous: 55.4)
- ISM Non-Manufacturing Employment (previous: 51.2)
- ISM Non-Manufacturing New Orders (previous: 55.1)
- ISM Non-Manufacturing PMI (consensus: 54.5, previous: 54.0)
- ISM Non-Manufacturing Prices (previous: 67.7)
- MBA 30-Year Mortgage Rate (previous: 6.76%)
- MBA Mortgage Applications (previous: -6.4%)
- MBA Purchase Index (previous: 159.8)
- Mortgage Market Index (previous: 247.2)
- Mortgage Refinance Index (previous: 723.1)
- S&P Global Composite PMI (consensus: 53.6, previous: 51.9)
- S&P Global Services PMI (consensus: 53.6, previous: 51.2)
- U.S. President Trump Speaks
^^^^2026-08-05

I could easily be wrong but this seems like a softball pitch for FAs to chime in about their services. Don't see that happening on Bogleheads.
Unless very special circumstances apply (such as deep family strife), an AUM fee based FA is very distructive to wealth. To say otherwise, "normalizes" FAs.

Zu mir: Ich bin Mitte 20, und bald hoffentlich Arzt.
Als relativ junger Mensch macht mich die Lage in Deutschland schon sehr besorgt. Es ist auch gar nicht die aktuelle Wirtschaftslage, sondern vielmehr, dass ich nicht sehe, wie es überhaupt weitergehen soll.
Die aktuelle Stagnation hängt diesmal, anders als in der vorigen Krisen, vor allem mit dem Zusammenbruch unseres bisherigen Wirtschaftsmodells zusammen. Die Autoindustrie ist auf Talfahrt, die Energiekosten zerfressen die restlichen Industrien, und neue Unternehmen in Zukunftsbranchen bringt dieses Landes einfach nicht mehr heraus. Was soll da werden? Selbst wenn jetzt jemand einen Schalter umlegen würde und man politisch alles richtig macht, würde es mindestens 10 Jahre dauern, bis man das Licht am Ende des Tunnels sehen könnte.
Ich bin selbst nicht sooo stark davon betroffen, aber mache mir eben schon Sorgen, wie die Zukunft in 10, 15 Jahren aussehen wird. Einerseits hat man ja morgen Kinder, und andererseits existieren auch Gesundheitssysteme nicht in einem Vakuum. Was wird aus mir hier?
Ich bin zwar noch jung, aber gerade deshalb habe ich auch Möglichkeiten, die mir später verwehrt wären.
Ich könnte nach dem Studium vielleicht in die Schweiz ziehen, da meinen Facharzt machen, und dann nach Kanada, der FA wird mehr oder weniger direkt anerkannt.
Warum Kanada? Weil Zukunftsperspektive. Ich sehe generell für Europa nicht besonders rosige Zeiten in den nächsten 20, 30... Jahren. Sachen wie Demographie, Instabilität... gibt es überall, aber wirtschaftlich sehe ich hier einfach dass sich vieles drehen wird. Wenn Deutschland untergeht, reißt das automatisch auch andere Länder mit, ich bin ursprünglich vom Balkan und weiß, wie stark schon da die Wirtschaft mit Deutschland verwoben ist.
Reagiere ich über? Finanziell macht es sich in Kanada nicht soo viel besser, aber da denke ich, dass man zumindest zukunftstechnisch bessere Aussichten hat.

Hey! 👋
First off, thanks for considering Fidelity for your account move. I'd be more than happy to provide resources to help you feel as confident as possible about the rollover process from a Thrift Savings Plan (TSP) to Fidelity.
You can initiate a rollover of your TSP to Fidelity by following these steps:
1. Open a Fidelity rollover IRA: If you don't have an IRA with Fidelity yet, you'll need to open one. This will be the account where your TSP funds will be transferred
2. Contact the TSP: Reach out to the TSP to start the rollover process. They may require forms, such as a Letter of Acceptance (LOA) from Fidelity, or other paperwork signed by you or Fidelity
3. Move your money: You can have the TSP send the rollover check directly to Fidelity or deposit it yourself. If the check is made payable to you, make sure to deposit it into your Fidelity IRA within 60 days to avoid taxes and penalties
I also included a link below, which outlines the steps above in greater detail. I know it's not a specific article for only TSPs, but they follow the same general rules, so it's a great place to start.
[How to roll over an old workplace savings account](https://www.fidelity.com/retirement-ira/401k-rollover-ira-steps?ccsource=FA)
Next up, you mentioned that you are looking into converting a 401(k) to a Roth. I wanted to make you aware of Fidelity's Roth conversion calculator, linked below. This can be used to estimate the taxes you might owe when converting a 401(k) or Traditional IRA to a Roth IRA. I also included a resource about conversions you may find helpful.
[Roth Conversion Calculator (Login required)](https://digital.fidelity.com/prgw/digital/roth-ira-conversion-calculator/)
[Is a Roth conversion right for you?](https://www.fidelity.com/viewpoints/wealth-management/insights/roth-ira-conversion)
I know that this was a lot of info, but please let us know if we can help out with anything else!

who ever heard of someone on r/wsb being so concerned with FA anyways...??
TA then YOLO calls or puts