Blog - Page 7 of 19 - Rebel with a Plan

Goodbye Thailand

March 23, 2017

This past Monday I closed the door to my little 350 sq ft Bangyai neighborhood apartment. With two bulging suitcases, I made my way to the airport and left Thailand.

On the plane ride, I kept flicking back through my passport, looking at the numerous visa, stamps, and notes pertaining to Thailand. My time in the country was…I’m not really sure how to describe it. If you looked at my Instagram, you would probably think it was non-stop fun and constant beautiful scenery. If you’ve read any of popular teaching English abroad blog posts, you would think it was this fun, carefree thing where I got to coast by and mysteriously travel all the time.

It wasn’t either of those things. To sum it up best, my time spent in Thailand was a beautiful mess. Kinda like “regular” life is back in the states, but different, ya know?

teaching english in Thailand

In early 2016, I quit a job I dreaded and finally had the opportunity to travel. This was a different kind of travel. I got to experience life in a different setting. Different societal ways were around me. Good stuff happened. Sucky stuff happened. And then it all came together and worked out to be a big learning experience for me.

I moved to Thailand on March 31, 2016, and left the country on March 20, 2017. So I spent about one year living in the country. When it comes to living in Thailand, there are two ways to go about it. Rural (usually northern Thailand) living or urban (usually Bangkok) living. I experienced the urban living, getting to live in a neighborhood about 15 minutes outside of Bangkok.

I loved getting to live in the Bangkok area. It’s a very interesting city. The place is chaotic, the air is thick and humid, and the city has a very fast paced and slow nature to it at the same time. Now I know it as more than just the city that was in the movie The Hangover 2! Haha.

In the typical Hollywood way, that movie wayyyy played up the craziness of Thailand. Alas, though, there is a seed of inspiration that comes from truth with the movie. Bangkok really was a crazy (in a good way) place.

As for my actual work, teaching English, it was an experience that surprisingly taught me the biggest lesson of professionalism: show up and care.

Working at the school, alongside over 30 other foreign teachers, I saw the not so good way people conduct themselves when it comes to a job. Like you might expect, a lot of people didn’t take the job super seriously, instead treating it as a placeholder thing used to fund their travels.

People would repeatedly be late to work because they overslept or had stayed up till 4am partying. Taking a “mental health” day off work to go to the mall or sit at home and watch movies was an acceptable thing. There would be foreign teachers who would go out to bars and drink on weeknights. They would slog into work, hungover, and proceed to teach for the day.

Everyone was shocked when the school announced they were cracking down on teacher attendance policies and introducing a new attendance policy for the semester. Basically, under the new rules, you were only allowed to take Tuesdays and Thursdays off. Taking off a Monday, Wednesday or Friday would almost certainly result in a pay deduction.

Seeing how other people viewed their job with such low commitment made me realize the importance of professionalism, no matter what the job.

teaching english in Thailand

As for the living aspect of Thailand, there are a lot of things I will miss. I will miss the one dollar smoothies I could get, the seven dollar messages I could get, and the most of all the 58 cent sliced fruit. I would get sliced fruit almost every day. There would be little street stalls I would go to where I could get pineapple, cantaloupe, guava, papaya, watermelon, or dragonfruit for only 20 baht! (0.58 cents USD).

I will remember the slow, relaxed vibe of Thailand. It was something that never fully grew on me but I did appreciate it in some ways. In Thailand, there is a less urgent attitude toward things. It will happen when it happens. Obviously, you soon realize how bad this can be. People would almost never be on time, immigration officials would take a slower pace when processing your work visa, and when things would break like a leaky A/C unit, it would take a while to get it fixed.

A slower pace is not so lovely when it comes to many things, but it does help you appreciate and learn more about a calmer, more peaceful approach to processing the day to day.

And the scenery! Ah, I’ll miss all of the beautiful beaches and all of the green I got to see while in Thailand. I haven’t been to a ton of beaches but Thailand’s southern island beaches have been the best I’ve been to so far.

All the places I’ve been to in Thailand will live on in the hundreds of photos I took while there. I still wonder why Thailand isn’t on more people’s vacation lists. The place really gives a full scope of things to do. Aside from the beaches, there is the fun loving hippyish town of Pai to the digital nomad haven of Chiang Mai. Thailand’s got it all.

Somewhere along the way, through my Thai travels and living, I got to teach and adore 305 little Thai children. Their brightness and enthusiasm has stayed with me.

teaching english in Thailand

It’s goodbye to Thailand for now. I did go to Malaysia for a short holiday following it and right now I’m back home in Texas. I’ll be sharing a Thailand and Malaysia photo journal post in the next week or so. In mid-April, I will leave to my next destination to start working. Can’t wait to share where!

Where is a place you remember fondly? Let me know in the comments!

8 Side Hustles You Can Start This Weekend

March 22, 2017

Getting started on a side hustle doesn’t always have to be consuming. Before I started making extra money outside of my day job, I always thought starting a side hustle was something that either took a lot of time. It doesn’t always have to be. There are several side hustles you can start this weekend.

First off, though, let’s talk about why having a side hustle of any sort is important. In the early dark ages of my personal finance journey, I focused way too much on cutting back as much as possible. It seemed like the more optimal thing to do since nearly every personal finance site listed it as step one of getting control of your money.

However, I reached that point a lot of people make when cutting back expenses. You’ve reached a line where you’ve cut back all you can and you’re just sitting there like “Uhhh, what now? I need to save more”.

That’s where a side hustle comes in. There are a number of side hustles you can start this weekend to be able to start making money relatively fast. Not get rich quick scheme by any means but the ability to make extra money nonetheless.

8 side hustles you can start this weekend

Sell a service on Fiverr

Fiverr is an online marketplace where people can look for and advertise freelance services. Prices usually start around $5 (hence the name Fiverr). It’s the place where lean and bootstrap entrepreneurs usually go to get services done by a freelancer.

Fiverr’s service categories include graphic design, writing and editing, digital marketing, video and animation, music and audio, programming and tech, advertising, business, and fun and lifestyle.

Since Fiverr is known for being the place of the $5 gig, usually people have more success selling a product or review of rather than their direct time. It can be a good way to get started with offering freelance services. One guy was able to make $7,490 in 14 months from doing part-time work on Fiverr. Read through some beginner tips before getting started.

Teach a course on Udemy or Skillshare

Udemy and Skillshare are online learning platforms where you can take on-demand classes at your own pace. Developing and selling a course on Udemy or Skillshare can be a great way to not only make money but also let you deep dive into full understanding something you enjoy doing. If you enjoy card reading, knitting, or bookbinding, why not teach others how to do it and be able to make some extra money?

I’m a little biased toward going with Skillshare because I LOVE Skillshare so much. I’ve had a membership there for several years and taken many courses. Teachers teach courses in design, marketing, writing, business, lifestyle and more.

Some of the unique classes I’ve found include: Designing a Modern Logo in 15 Minutes, Writing for Online Engagement: Fiction in a Digital World, Photoshop For Lunch, and Creating a Perfect Morning Routine.

Be a Brand Ambassador

Do you remember those people you see passing out t-shirts, stickers, and products at events. Those are brand ambassadors and it’s a fun way to make extra money.

I did some brand ambassador work back when I was in university. I worked booths for apartment complexes and drink companies passing out free t-shirts, cups, pens, and any other branded stuff. It was a fun way to make extra money. Usually I found these gigs from Facebook or a posters advertising it.

To find Brand Ambassador work, search Facebook (ex. “Brand Ambassadors of ___”) for groups in your city. Searching Craigslist gigs for event work is another option, although you should make sure to apply quickly within a few hours of the gig posting.

Task Rabbit

TaskRabbit is a service that connects people who need help with jobs like house cleaning, deliveries, running errands, and minor repair work. Crafting a good profile and honing in on what type of work you and don’t want to do can help you get started on a good foot. Making extra money via TaskRabbit is relatively simple since you can do do gigs whenever you have free time.

Taking Online Surveys

Taking online surveys is a good easy side hustle you can start this weekend. Companies like to know what people think and they will pay you for it. Taking online surveys isn’t a big money maker but it is a way to make some extra cash. People can make around $50-100 a month from taking online surveys, depending on the survey site and amount.

For online survey sites, it’s there are legit ones and there are spammy ones. Stay away from any that ask for upfront fees or just look shady. Some of the best online survey sites include: Ebates, Harris Poll, Opinion Outpost, and Pinecone research.

Make Money using your car

Everyone knows driving for Uber or Lyft is a good way to make money with your car, but there are other ways. You can make money delivering food with services like Postmates and Door Dash.

Babysitting

You don’t have to just post fliers around town to babysit. Sign up for Care and make a profile to start looking for babysitting jobs. My brother actually did this during a summer while he was in university.

Take Photos

Photography can be a fun thing to learn. There are always people looking to get photos taken. It doesn’t have to involve a wedding photographer like many think. You can take senior portrait, headshot, and lifestyle photos for people.

Beginner photography classes on Skillshare and Adobe Lightroom presets can help you get started and better yourself.

Most of all, when you’re trying to figure out a side hustle to start this weekend, think about people’s pain point. What type of service can you offer to make their lives easier and better? There’s a reason people hire house cleaners, dog walkers, and such a lot. Figure out what people really need.

10 Ways To Live A Good Life

March 15, 2017

To live a good life means you make time for reflecting and improving yourself. It’s important to make time for it and it doesn’t have to involve mystery green smoothies or putting yourself in an upside down yoga pose.

Everyone wants to improve something about their lives. Maybe they want to declutter their possessions, eat healthier, be more outgoing, or learning a new skill. Whatever it is, working on your mindset and small habits helps tremendously.

I used to think doing things like journaling or meditating wasn’t worth my time. I mean, meditating seemed hard at first glance. Sitting, being silent, and focusing on your thoughts for 5 or 10 minutes? My attention span couldn’t handle that at first.

Once I started putting these small daily habits into my routine, things took off. The most notable thing being that I was able to pay off my $21,000 of student loans in 18 months. While making more money was one way I paid off the debt, the greatest thing that helped me become debt-free was shifting my mindset and believing that I could (and would) do it.

So if you want to live a good life, try practicing some of the things below.

Do a no-spend challenge

No spend challenge are one of the best things you can do to shift your mindset about your spending habits. You can do a no-spend challenge for many things including: shopping, grocery shopping, eating out, or entertainment budget. The challenge can last for one weekend, one month, or even one year.

The benefits of a no-spend challenge go beyond just saving money. They’re a good way to build discipline and help you discover a new outlook on your spending.

Alas, I guess I could’ve put something like eat an avocado every morning, but this is a personal finance and development blog, so I know how awesome no-spend challenges can be (although avocados are amazing as well! Eat avocados!) Okay, moving on…

Drink water when you wake up in the morning

There is that recommended daily water amount you see a lot. It’s advised to drink 6-8 (8 oz.) glasses of water daily. I used to laugh at this amount thinking I could never do that. But now I actually do!

After several hours of sleep, your body is dehydrated when you wake up. Drinking water first thing in the morning helps you become more alert and energized.

Be more productive about how you watch TV

I don’t think television is evil. It’s okay when done in moderation. I mean, come on, it’s not like I’m going to tell you to give up watching Game of Thrones or Bates Motel, those shows are literary masterpieces.

However, you can approach TV viewing in a better way. Take stock of how many shows you watch at any given time. Write down the total amount of time you watch each week. Then try to shift your TV-watching to one or two days per week.

I’ve been doing this for a while. I put all of my TV watching on one day. When I first started doing it, I was shocked at how much time I was spending watching TV. From there I made adjustments and decreased the amount of TV I watched.

Practice gratitude

Write down three things you’re grateful for every day. These could be simple things like how you got to eat your favorite food or something big like getting a promotion or new job.

Put your fears in writing

We all have fears that can sometimes keep us from being able to live a good life. Combat them by putting them in writing. After writing down your fears, write down two or three pieces of evidence about why they are not true.

A person has approximately 60,000 thoughts per day and 90% of those are repetitive. Many of them being negative thoughts. Write down these recurring thoughts and counteract them with positive messages and evidence about why they can be defeated.

Morning pages

Every morning, open up your journal or grab some pieces of paper and write one or two pages of pure stream of consciousness writing. Don’t stop and try to over analyze each part or edit things. Just write and let it flow.

Understand that obstacles are part of life

Life throws everyone curve balls. It’s bound to happen but you shouldn’t let it ruin your motivation and self-confidence. In The Obstacle Is The Way, author Ryan Holiday talks about the ways to move forward in spite of obstacles and how to avoid a “why me” mindset when things happen.

The book is a good read on persistence and perseverance in the face of adversity.

Understand the Baador-Meinhof Phenomenon

Let’s say you want to buy a new car. A shiny new BMW in particular. You’ve never put much attention to new cars before because you’ve been driving your old car for a while. Now that you’re on the market for a new BMW, you start seeing them everywhere. You see a BMW at the grocery store, in the parking lot of the dentist office, at the gas station. You may even start dreaming about it.

Enter the Baador-Meinhof Phenomenon.

This phenomenon occurs when you something you begin thinking about, starts to pop up everywhere. It doesn’t have to be about a car, it doesn’t even have to be about a physical object, it can be about anything including your fears and negative thoughts.

If you’re constantly feeling tempted about buying things and negative thoughts, try some of the tips mentioned above like doing stream-of-consciousness pages every morning or writing down your fears and ways you’ve overcome them in the past.

Meditate

Meditation is a great exercise for your brain. Doing it can help you clear your thoughts and focus in on things. All it takes is learning the basics of it and getting started. Spend 5-10 minutes a day meditating.

Headspace is a great free app for learning the art of meditation and the app’s level one course has simple, 10-minute session for each day so you can build a meditation habit.

Try new hobbies and classes

Expand your knowledge by taking online classes in things you’re interested in. Skillshare offers lots of bite-sized classes with short lessons to help learn more.

Click here to learn more about bullet journaling

Take this class to learn more about hand-lettering

Understand Microsoft Excel better with this resource

Obviously, this isn’t a complete list of ways to live a good life, but they are some starter or additional things you can do.

What things do you do to live a good life?

Wealthfront Review: Investing, Simplified

March 8, 2017

This Wealthfront review will help you show investing doesn’t have to feel overly complicated. You don’t have to know all the terminology and spend lots of time looking over your portfolio and adjusting. You just need to take the first step. This overview details the benefits of using the robo-advising service for your retirement planning.

Launched in 2011, Wealthfront is one of the big names in robo-advising and has over $3 billion in assets managed. They utilize the Modern Portfolio Theory (MPT) to create a diversified investment portfolio for a person based on their risk tolerance and investment goals.

Investing, especially investing in your 20’s, can feel intimidating. There are so many terms thrown around. Mutual funds. ETF’s. Index funds. Risk tolerance. It can be overwhelming and feel like information overload. Many people know investing is important but they put it off because of the time they think it takes to set up and manage investments.

Robo-advisors make investing less intimidating. With low minimums to open accounts and automated management, investing has become a lot more simplified. (which is pretty awesome! 🙂 ).

This Wealthfront review will help you get to know more about one of the most widely used robo-advisors and how the service can benefit you.

Getting Started with Wealthfront

1) Questionnaire

After clicking the ‘Invest Now’ button on the Wealthfront homepage, you are taken to a questionnaire where you answer questions asking what you look for in a financial advisor, your age, income, how you want to invest your money, and what you want to do when the stock market fluctuates.

2) Investment recommendations

After completing the questionnaire, Wealthfront will show you a recommended investment plan based on a risk tolerance score of 1-10. The risk tolerance score will be based around the answers you gave about your situation and goals.

You can enter your email address and get the investment plan emailed to you. The plans focus on low-cost ETF’s (exchange traded funds) to build and manage your portfolio. Different combinations of the following ETF’s go into your investment portfolio:

VTI – Vanguard Total Stock Market ETF
VEA – Vanguard Developed Markets ETF
VWO – Vanguard Emerging Markets ETF
VIG – Vanguard Dividend Appreciation ETF
LQD – iShares Investment Grade Corporate Bong Fund ETF
EMB – iShares Emerging Market Bond Fund ETF
MUB – iShares Municipal Bond ETF
SCHP – Schwab Treasury Inflation Protected Securities ETF
VNQ – Vanguard REIT Index Fund ETF
XLE – Energy Select Sector SPDR

Fees

With Wealthfront, you don’t have to pay high fees (like you would with a traditional financial advisor) for automated investment service that fits your goals and risk tolerance. The fees with a Wealthfront account are very appealing when compared to those of other robo-advisors.

You get your first $10,000 managed for free ($15,000 if you sign up through a referral). Any amount over the $10,000 threshold is managed at a flat rate of 0.25%. This is on top of the fees charged by the ETF’s in your portfolio, which average around 0.12%.

Features

Low Account Minimum: You can open an account with Wealthfront with as little as $500. This makes it a lot easier for a person to get started investing when they have little money. Many of the funds at online brokerages like Fidelity and Vanguard have $2,500-3,000 minimums.

Automated Rebalancing: When your investment portfolio fluctuates, you don’t have to worry about going in and rebalancing to get back to your desired allocation. Wealthfront does it for you.

Tax-Loss Harvesting: Wealthfront’s philosophy is all about maximizing returns on your investments and letting you keep more of the returns your portfolio makes.

All taxable, non-retirement accounts come with daily tax-loss harvesting which helps you potentially minimize the taxes you pay and maintain the risk and returns you get. Investment losses are “harvested” (sold off) to offset taxes from your other gains and income.

No Commission/Trading fees: The first $15,000 is advised for free (when signed up through a referral). The only fees with Wealthfront are the 0.25% advisory fee on accounts over $15,000 and the ETF expense ratios which average 0.12%.

Low fee service for the new/passive investor: Wealthfront’s fees are low and reasonable when you consider the piece of mind you get from having an automated investment portfolio.

Disadvantages

No customization: What you see is what you get. Wealthfront’s recommended portfolios included a diversified set of low-cost ETF’s but you can’t add any different ones you may want.

The Wealthfront set of ETF’s are good, research-based recommendations but if you’re the type of investor who likes to fine-tune their portfolio themselves, you’re out of luck. Wealthfront is not for the DIY, hands-on type of investor

No fractional share purchases: Wealthfront only purchases whole shares of stocks, so you will likely have a bit of cash sitting in your account until it’s able to buy whole shares again. This is different from Betterment, which buys fractional shares and invests all of your cash.

Types of Accounts Offered

Wealthfront supports several taxable and non-taxable investment accounts: personal and joint non-retirement taxable accounts, Traditional and Roth IRA’s, including 401(k) rollovers, and SEP-IRA’s. They also recently announced support for 529 college saving plans.

Verdict

Wealthfront isn’t as flashy and out there as its counterpart, Betterment. Wealthfront makes up for it by the way of its fee structure and world-class investment team. While Betterment offers no account minimum, it’s fees, for account balances below $100,000, are higher than Wealthfront.

Wealthfront is more accessible and easier to new investors with little money. The first $15,000 of an account is managed for free. Because of this, Wealthfront makes for a really attractive option to get started investing with little money. Use my referral link below to learn more and open your account.

Click here to learn more about Wealthfront and open an account!

Are you confused about the world of investing and want to learn more? Enroll in my free 7-day Investing 101 For Millennials email course.

Just two years ago, I knew nothing about investing and kept all my money in a savings account earning 0.05% interest. Once I learned more about investing and it’s power to build wealth, I got started with it. Investing doesn’t have to be overwhelming or scary!

The course will walk you through the basics of investing, why it’s important, why everyone should be doing it, and how to set up and get your first investing account ready to go.

Click the image below to learn more!

What do you think of robo advisor services? Do you think it makes investing less intimidating and more accessible?

How To Choose The Best Robo-Advisor For You

March 1, 2017

There’s a new kid on the block and it’s the kind of person you weren’t looking for but now totally want to know. (big statement to make, I know). Let’s talk about how to choose a robo-advisor.

Not exactly a person, more like an automated service. These automated services walk you through what you want to do with your money and create a portfolio plan around it.

If you’re any more than an occasional reader of personal finance blogs, you are probably aware of the importance of investing. You’ve seen the charts showing how magical compound interest is, stood awkwardly while baby boomers told you retirement horror stories, and even saw the fake quote from Albert Einstein about how compound interest was the 8th wonder of the world.

You know investing is important but you don’t want to have to research what funds to pick, how to rebalance your portfolio, and do a bunch of other things that leave you puzzled.

You want a passive option that allows you to be investing while not having to get too involved with managing your investment portfolio. Let’s talk about how to choose a robo-advisor.

How I (finally) got started investing

Set out to do good for myself, I got enrolled in a 401k plan at my first full-time job and it came with an employer match. I contributed into the 401k but didn’t really know anything about investing. Scratch that, I knew *nothing* about investing. So the money just sat there in my account, for several months, not invested in anything.

A few months later, I opened up a Roth IRA with Fidelity (the same place where my 401k was). I was excited and ready to invest! But…most of Fidelity’s funds came with a $2,500 minimum to invest. I had nowhere near that.

After moving on from that first job, I rolled the 401k into my Roth IRA and started to look at how to invest.

I read several blog posts, listened to podcasts, and read a really great book called, The Index Card: Why Personal Finance Doesn’t Have to be Complicated. The information, although all good, didn’t give me the desire to fully manage my hypothetical investment portfolio.

Mulling over options, I came across the idea of using robo-advisor services. I wondered how to choose a robo-advisor service that was best for me. The top two platforms, Betterment and Wealthfront, both offered a very nice appeal to a beginning investor like me. Both services offered automatic rebalancing and investment portfolios geared towards your risk tolerance and goals.

It came down to fees and situation. I chose Wealthfront, since you can get the first $10,000 in assets managed for free. The fees becomes a flat rate of 0.25% after $10,000.

Now I have a portfolio of low-cost ETFs and my investing is automated! I don’t have to check on it as often as a do-it-yourself type of approach. I like that.

How to choose a robo-advisor

I want to go through some ways to help you figure out how to choose a robo-advisor for you. Let’s get crackin’

1. Management fees

One of the big things to do when investing, besides the actual investing part, is to keep your fees as low as possible. Fees from the funds you’re invested in, advisor/management fees, trading costs, they can all add up.

As actor Billy Eichner says, Keep your fees, like your milk, under 1%. Keep them wayyyyy under 1%.

Betterment charges a 0.25% advising fee. Wealthfront is free, having no advising fee on the first $15,000 managed. It becomes 0.25% after that.

2. Investment Options

With many robo-advisors, including Betterment and Wealthfront, you don’t have a choice in which funds to invest your money. The investment decisions are made by the platform (usually via a computer algorithm). So it’s important to see what investment options there are when looking at how to choose a robo-advisor.

The money is often invested in low-cost ETF’s like a total stock fund, emerging markets, international, and some bond funds. What is unique is your asset allocation (the percentage you have in stocks and bonds) based on your risk tolerance, which is usually based on a short questionnaire you fill out.

3. Minimum Opening Deposit

When you have little money to invest, low or no account minimums can be *wonderful*. Betterment offers no account minimum ($0, yeah!) and Wealthfront has a $500 account minimum.

Don’t focus too much on getting one with the lowest account minimum. Keep in mind the full scope of features, interface, and fees each platform has to fit your needs.

4. Platform Interface and Features

One of the things surprisingly mentioned when looking at how to choose a robo-advisor is their online interface. Some of them have really great interfaces that help you visualize your long-term goals and figure out ways to do more.

This is so great at motivating you to save for retirement and your other goals.

Betterment offers a RetireGuide calculator that shows you how much your money will amount to over time and how much you need to save per month or year to reach your goals. It lets you customize your accounts to different types of goals you have (retirement, house down payment, etc.)

Wealthfront offers a similar thing with their Path tool, a visual interactive tool used to set and see your savings goals over time. You can also connect your accounts to monitor your spending with it.

Robo-advisors are a fresh face when it comes to the world of investing. It’s going to be interesting to see how they do in the years to come.

A lot of people, including seasoned investors, are critical of them due their new-ness and spot in the investing world. We all have to start somewhere, right? Robo-advisors can be a great way to get started investing or for people who know they should invest but don’t want to manage it too much. For me, when it came to how to choose a robo-advisor, it came down to three things: fees, investment options, and customer help/online tools.

I want to keep my fees as low as possible, while still being able to passively invest. Ultimately I went with Wealthfront.

For investment options, I wanted to make sure most of the pre-selected investment options were low-cost funds. Also, looks matter (sort of… :)). I wanted a platform that had an interface that made it easy to enable auto-deposits, give a snapshot of investment loss or growth, and show me how much to save based on my goals.

You’ll still find me reading over articles on investing and looking over different investment portfolios, but for now, using a robo-advisor service like Wealthfront works great for me.

Are you confused about the world of investing and want to learn more? Enroll in my free 7-day Investing 101 For Millennials email course.

The course will walk you through the basics of investing, why it’s important, why everyone should be doing it, and how to set up and get your first investing account ready to go.

Click the image below to learn more!

Have you ever considered using a robo advisor? How do you choose the best robo advisor?

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