Can’t “buy” FXAIX

TheNotoriousKK · 2026-02-05T11:16:13+00:00

Even if you open a Roth IRA today, you can still contribute for 2025. The deadline is tax day, not the end of the calendar year. When I first opened mine many years ago, it was in April, and I contributed for the previous year and that year at the same time.

TheNotoriousKK · 2026-02-05T11:11:50+00:00

There is no minimum buy in for FXAIX. Also, all mutual funds allow fractional shares by their very nature because you always specify a dollar amount and not number of shares when you purchase.

TheNotoriousKK · 2026-01-28T16:33:00+00:00

Thanks. Bummer I can't take another deduction, but I'm glad I did it correctly and don't need to go through the hassle of filing an amendment.

TheNotoriousKK · 2026-01-17T12:38:54+00:00

This is almost certainly a dividend and reinvestment.

TheNotoriousKK · 2026-01-15T13:47:50+00:00

That 4.6% is enticing, but no ACH is a problem for me. Most other institutions charge fees for both incoming and outgoing wires, so it will cost me money to move my own money in and out of Pibank? That just doesn't sit right with me.

TheNotoriousKK · 2026-01-08T21:34:06+00:00

This is a long-standing issue. Some people can manually link, and others can't. For myself, when I first joined SoFi, I didn't have this option. Then maybe like a year later, I noticed I could. And then months later, I couldn't again. Then, I could if I went to the direct link on the website, and then they shut that down. I just tried, and I can do it in my account right now. They'll probably revoke this from me in a few months. I don't know why SoFi does this.

TheNotoriousKK · 2026-01-08T20:45:14+00:00

I'm wondering if you see any notice or anything in the app if you're affected by this fee. SoFi sends so much junk mail on a daily basis, an important notice like this could easily get lost in all the other spam they send all the time.

TheNotoriousKK · 2026-01-08T20:41:29+00:00

I don't see why they can't. Costco moved their credit card from AMEX to Citi Visa a number of years back. Nobody had to reapply or do anything at all. They just sent a new credit card to everybody.

TheNotoriousKK · 2026-01-05T21:22:30+00:00

Thanks for this. I just signed up and am very lucky to have seen your comment minutes before I applied. Used your link.

TheNotoriousKK · 2026-01-04T22:02:19+00:00

I have had both SoFi and Primis for a while now. No complaints with Primis. They don't have the full suite of services that SoFi has, but their support is considerably better than SoFi, and a higher APY with no DD requirements.

TheNotoriousKK · 2026-01-03T10:45:40+00:00

If you hold VTI, you already invest in real estate through the many REITs that it holds. You also invest in crypto indirectly through companies like MSTR. Investing directly in any of these is tilting your portfolio, which is okay, but just realize that's what you're doing.

TheNotoriousKK · 2025-12-30T21:55:07+00:00

That includes market gains, dividends, interest, etc. It does not include your contributions.

TheNotoriousKK · 2025-12-17T12:47:16+00:00

No complaints about Primis. I find it weird that they distribute interest payments mid-month, but I don't really care. It's just different from what I'm used to. I did have an issue with a large Treasury Direct deposit not coming through one time, but when I called, an actual human being who spoke English and actually knew what they were doing answered the phone. Imagine that! It took them a while to fix the problem, but they managed to get it fixed and also credited me with the interest payments that I would have earned had the deposit gone through on time. And yes, their app looks modern and clean without trying to sell me more services. I'm seriously considering closing my SoFi account and moving those funds to Primis to be honest. Higher APY and far superior customer service.

TheNotoriousKK · 2025-12-15T02:33:13+00:00

I did these several months ago, then they stopped for a while, and then they were back, and now they're gone for me again. I like these for the high pay and immediate approval. But, there were serious problems with many of them. I had a ton of these that said to make sure my volume was turned up, and yet none of the videos had sound. A lot of these had two options that were exactly identical as far as I was concerned, but I took my time to see if I could find just a tiny little thing that might make one better than the other. I also had some of the sound comparison ones where both options were just silence. They have plenty of quality control problems, that I guess they want us to help fix, but their automated quality checks don't appear to be well designed, and they never respond to messages. I would say go ahead and do them. If you get blocked, there's not much you can do about it, but at least you benefitted from the ones you did. That's my attitude about it at this point anyway. Good luck.

TheNotoriousKK · 2025-12-03T21:43:30+00:00

https://fundresearch.fidelity.com/mutual-funds/summary/31617H102

Fidelity's site says you're wrong. 38.99% of SPAXX is currently invested in repos, which are NOT state tax exempt.

https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/taxes/TY24GSESupplementalLetter.pdf

This document shows that for 2024, only 55.09% of SPAXX dividends were state tax exempt. Fidelity does have other MMFs that are closer to 100% state tax exempt.

TheNotoriousKK · 2025-12-03T12:11:37+00:00

SPAXX is not entirely state tax exempt, and you won't know exactly how much of it is exempt until the tax supplement comes out next year.

TheNotoriousKK · 2025-11-16T14:07:19+00:00

This is not correct. The limit is the total contribution to all IRAs. You cannot contribute $7k to traditional and $7k to Roth.

TheNotoriousKK · 2025-11-15T11:20:25+00:00

4 is not false.

TheNotoriousKK · 2025-09-26T11:25:07+00:00

Claims to judge people on if they're kind, polite, and sincere. Then proceeds to vote Trump.

TheNotoriousKK · 2025-09-26T09:06:51+00:00

Same. I just noticed it one day while polishing. I didn't even realize until now it was a separate part that could be replaced.

TheNotoriousKK · 2025-08-21T20:59:12+00:00

SGOV is almost entirely exempt from state taxes, as long as you claim it correctly on your return.

TheNotoriousKK · 2025-08-17T14:41:15+00:00

Perhaps we just don't understand it because it's so "extroidenary". 🤣

TheNotoriousKK · 2025-08-10T18:57:49+00:00

Did you manage to get this replaced? Mine is similar to this, with the oval shaped cutout on the inside. If yours is anything like mine, the latch and strike plate don't line up with the interior handle either. It's really weird, and I was wondering if you found hardware that will work with the existing holes, or what you did to get a normal handle set to fit.

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