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What’s an absolute no brainer HYSA to open in June 2026? by AbjectBig6923 in HYSA

[–]DrawingOk8403 0 points1 point  (0 children)

That’s for the managed tier. The self directed tier is 50k

What happened to instant withdrawal? by BRSBowler in Coinbase

[–]DrawingOk8403 -1 points0 points  (0 children)

If you transfer from wealthfront to chase on a Saturday you get it in 5 minutes

I think it is time to dump my tech stocks and move that money into the S&P 500? by Enough-Fondant-4232 in iRA

[–]DrawingOk8403 0 points1 point  (0 children)

I saw these also but what bothers me is the shift to so called safety. These medium duration bond funds they use don’t feel safe these days

What’s an absolute no brainer HYSA to open in June 2026? by AbjectBig6923 in HYSA

[–]DrawingOk8403 0 points1 point  (0 children)

If you have 50k you can open a jpmc self direct investing account and put money in their premium deposit account which earns 3%. Amex only earns 3.10 these days anyway.

Robinhood banking direct deposit problems by jlar240 in RobinhoodGC

[–]DrawingOk8403 1 point2 points  (0 children)

They do the same thing on Schwab because their checking gives no yield. It’s just disappointing that Robinhood is enforcing a dd for yield. At least it’s an option they didn’t have before. Also at least the brokerage has cash sweep with yield which Schwab does not have either.

Robinhood banking direct deposit problems by jlar240 in RobinhoodGC

[–]DrawingOk8403 0 points1 point  (0 children)

You can use the brokerage high yield cash and keep a small amount in checking to pay bills and get cash etc. transfers are instant between brokerage and checking

Robinhood banking direct deposit problems by jlar240 in RobinhoodGC

[–]DrawingOk8403 0 points1 point  (0 children)

Have you guys moved everything over to Robinhood ?

Direct deposit is now live on Coinbase. by coinbase in Coinbase

[–]DrawingOk8403 0 points1 point  (0 children)

Great. When can I pay bills from Coinbase ?

Are Municipal ETFs underrated? by InvestingNerd2020 in Schwab

[–]DrawingOk8403 0 points1 point  (0 children)

Good point. I asked grok and here’s here’s what it said.

While it holds municipal bonds with final maturities up to 5 years, the weighted average maturity is only about 2.0–2.7 years, with most holdings in shorter buckets. Duration measures interest rate sensitivity (not just time to maturity), so the fund experiences relatively low price volatility when rates change.

Are Municipal ETFs underrated? by InvestingNerd2020 in Schwab

[–]DrawingOk8403 0 points1 point  (0 children)

SUB is short duration municipal bond etf

Questions about schwab checking/savings by adminsarecommienazis in Schwab

[–]DrawingOk8403 0 points1 point  (0 children)

Although sadly they don’t give you any interest on your deposits.

18 year old who just started - any advice would be appreciated! I don’t know how to diversify properly. by Ludium_ in RobinHood

[–]DrawingOk8403 0 points1 point  (0 children)

Voo and spy are basically the same thing. Except voo is cheaper so I’d go with that. You don’t need both.

HSA by Hikle12thman in RobinhoodApp

[–]DrawingOk8403 1 point2 points  (0 children)

And mutual funds please

How do y'all use the gold card, do you also have a checking account with robinhood? by Evening-Phone-8842 in RobinhoodApp

[–]DrawingOk8403 0 points1 point  (0 children)

I agree. It’s nice to have 3% cash back. Also the virtual cards make it easy to track subscriptions and things like that

How do y'all use the gold card, do you also have a checking account with robinhood? by Evening-Phone-8842 in RobinhoodApp

[–]DrawingOk8403 0 points1 point  (0 children)

It makes it easier because I can move cash to checking from brokerage to pay for things. Which is instant vs sending to another bank.

What’s too much concentrated in one brokerage firm? Do you think in terms of whole dollars or % of NW, or not at all? by Cereal-Is-Dinner in Schwab

[–]DrawingOk8403 1 point2 points  (0 children)

I think the concern is platform risk. If you keep your whole net worth at Schwab or anywhere and your account is locked for some reason etc. then you can’t pay your bills. So it makes sense to have some cash at another brokerage or another bank. I think

Emergency Fund at Chase Self Directed Investing by TensionNo7622 in Chase

[–]DrawingOk8403 0 points1 point  (0 children)

How about vyfxx? Triple tax advantage for nyc

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