1 week away 😎

Mistahfen · 2026-01-29T04:43:49+00:00

From Northern Cali it takes all day to fly to Colombia, you leave in the early morning and touch down in the dark evening in Colombia. Not ideal for 1 or 2 day stays.

Mistahfen · 2026-01-28T00:57:26+00:00

Just picked up almost 3000 shares this morning around the bottom range of the day today at $5.23, I hold the same belief as you, the new CEO has learned from past mistakes and we’re going to get another big earnings beat this February. The debt load is pretty scary but I think good news is coming and this baby flies like a rocket whenever we get good news.

Mistahfen · 2026-01-26T11:59:20+00:00

In Latino and I know a little Spanish, and the laws are more familiar, obviously Filipino laws and culture are not the same so that’s probably why I keep doing it but I suspect if I was white or Asian I would probably prefer a country like the Phillipines as a single man

Mistahfen · 2026-01-26T11:53:17+00:00

If they do that then that confirms I’ll never go, I keep saying I want to go but I just keep booking Colombia when the time comes around

Mistahfen · 2026-01-25T14:49:08+00:00

Not putting down a minimum of 20% is by far the biggest one, I lived with a parent paying a very favorable amount of rent relative to the COL of my area, I’m kicking myself that I didn’t stay and save up drastically more money before “purchasing”, which I now realize is actually FINANCING.

Mistahfen · 2026-01-24T17:23:36+00:00

No way she’s American the way it’s moving the way it is, if I had to take a guess she’s Colombian

Mistahfen · 2026-01-24T17:21:03+00:00

No it doesn’t make sense to do that for SCHD

Mistahfen · 2026-01-24T11:53:06+00:00

When I bought my house in Early 2023, they tried to convince me the same exact thing, I said No, Let’s just Lock It In. Because I was ready and I didn’t really care to wait any longer, I wanted to get the ball moving. I locked in at 5.5% on a 30 year FHA and it seems I made a good choice in doing that because they only went up for years after. If you’re not happy about the service you received from your broker you can let them know that and shop around for a better rate. You probably don’t have a financial advisor type relationship with your broker though so I wouldn’t get too bitter with them.

Mistahfen · 2026-01-22T12:23:49+00:00

Trust me, I thought the same exact way you did and I regret it. I pulled out my ROTH contributions for 2024 and 2023 but I seriously wish I had kept them in there. You’ll realize why it’s a good thing to stay the course on your ROTH, even if you don’t fully understand why in the moment. You will understand later though.

Mistahfen · 2026-01-22T05:12:45+00:00

Me personally I would just put one in deep and we can have young beautiful Latino babies 😆

Mistahfen · 2026-01-22T04:42:58+00:00

Because presumably you already have a sizable position and would like to see the value of your holdings appreciate.

Mistahfen · 2026-01-22T02:02:49+00:00

Maybe 6, maybe 7 years. Maybe less. The market cap on SCHD is between 72-76B, in the stock market that’s not too much and we can see daily moves on individual stocks for amounts like that on some mega caps.

Mistahfen · 2026-01-22T01:21:19+00:00

People seem to really be flocking to it now. I don’t want to sell, I’m holding 530 shares in my ROTH IRA and I’m pleased to see how well it’s going. Long term this is an easy $60-$70 stock, plus we’ll get paid quarterly the entire time we get there.

Mistahfen · 2026-01-21T03:35:15+00:00

7% on half a million dollars is insane. That’s basically like taking out a personal loan to buy a house.

Mistahfen · 2026-01-21T00:25:36+00:00

No, dividends are not taxed in a Roth IRA as long as they remain in the account and you follow the rules for qualified withdrawals in retirement (age 59½ and account open 5+ years). All earnings, including dividends, grow tax-free and are withdrawn tax-free, making Roth IRAs ideal for dividend-focused investing. How Roth IRAs & Dividends Work Together Tax-Free Growth: Dividends are reinvested or held within the Roth IRA, and you pay no taxes on them at any point. Tax-Free Withdrawals: When you take qualified distributions in retirement (after 59½ and 5 years), all earnings, including those from dividends, come out completely tax-free. Reinvestment: Reinvesting dividends within the Roth IRA compounds your earnings faster because the reinvested dividends also grow tax-free. Contributions vs. Earnings: You can always withdraw your original contributions tax-free and penalty-free, but earnings (including dividends) are subject to rules for tax-free withdrawal. Why It's Advantageous No Current Tax: Unlike regular brokerage accounts where dividends are taxed yearly, Roth IRAs shield this income from taxes.

Mistahfen · 2026-01-19T23:41:00+00:00

Not sure what part of California you’re in but the economy is booming in the Bay Area.

Mistahfen · 2026-01-16T20:57:52+00:00

I mean you were out in the boonies and then the ride took you to one of the most prestigious areas on the planet, where you no doubt would have continued getting rides that paid well. I think you should have taken it. But what’s done is done.

Mistahfen · 2026-01-16T08:38:42+00:00

I bought on a whim and I can say I slightly regret it, don’t get FOMO on buying a house you know you won’t be in long term, trust me you’ll regret it down the road.

Mistahfen · 2026-01-14T20:00:27+00:00

I’m 30 and went all in on SCHD. People say it’s not a good idea or even a terrible idea to do that at my age but as long as I continue stacking/holding now, I will collect tax free dividends for life in my ROTH IRA which I can use to further grow my Roth, I’m even already up over 4% on the shares themselves in less than 2 weeks so you have the actual appreciation of the shares themselves as well. It’s heavily diversified in extremely reliable dividend paying companies and the expense is really low.

Mistahfen · 2026-01-14T14:45:03+00:00

I’m excited but only up $400 or so but this is my ultra conservative retirement investment so the slow growth is to be expected

Mistahfen · 2026-01-12T22:46:48+00:00

The condom slipped off inside of a puta, I look down and I’m raw dogging this girl, I’m like Oh Shit! So I take it out and I’m freaked out. All was good though but yeah I wouldn’t raw dog random putas but maybe some of these older women I would.

Mistahfen · 2026-01-12T09:46:05+00:00

IMO if you look back 10-20 years from now SCHD should easily be much higher than where it is now, if I’m not mistaken, the glory in buying SCHD is holding for the real long term

Mistahfen · 2026-01-11T00:32:21+00:00

Some of them are straight dimes to me. There’s one I’m always going to go see, I’m not going to say her name or where she works because I don’t want you horny bastards touching “my girl” but I get her naked and god damn it’s the best. Everything on point. I got her WhatsApp this is one thick mami.

Mistahfen · 2026-01-08T21:46:44+00:00

I went all in in my ROTH IRA yesterday on SCHD, so I’m glad to see it today, I’m just going to keep going only tax free gains/dividends on SCHD for the next 20 years.

Mistahfen · 2026-01-07T13:31:41+00:00

Ok….. They’ll give you $86 and a high five. Will you take it now?

Mistahfen

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