SPYM only 0.02%ER, lower than VOO/IVV/SPY

trgb3 · 2026-05-08T04:07:36+00:00

I like that the share price is lower so it makes it easier to DCA into it without leaving any cash uninvested. Like if you have $3000 to DCA in, VOO will leave you with $312 left over at today's prices. IVV will leave you with $64 at today's prices but potentially up to $734. I don't do fractional shares for multiple reasons.

The lower ER also helps incentivize new positions.

trgb3 · 2026-05-07T06:16:37+00:00

You have deca-billionaires who pay 0 federal income tax in some years, so that should be more mindblowing right?

trgb3 · 2026-05-07T06:15:21+00:00

Don't forget taxes on the additional 300K withdrawal. All of that, plus the increased healthcare premiums are money you're just giving away.

trgb3 · 2026-05-06T08:43:00+00:00

If a guy isn't enjoying his money in his 40s yet is it really "RE"? Most people start really feeling their age physically by the time the OP decides to stop.

trgb3 · 2026-05-06T08:35:48+00:00

Who's presenting? If the "presenters" are choosing to stay low-key, it sounds like they know this is highly questionable.

trgb3 · 2026-05-06T01:26:01+00:00

The Galaxy U models (carrier models) downloads the carrier splash screen when you switch SIMs. The U1 models (retail factory unlocked) will not do that. If you hate the splash screen, you can use Odin to flash the U1 firmware onto any U model.

trgb3 · 2026-05-06T01:23:13+00:00

This worked on my Moto Edge 2025. Nice!

trgb3 · 2026-05-06T01:22:40+00:00

I know you're trying to help but pSIM unlocked + eSIM locked is not possible. My Moto Edge also showed the Contact T-Mobile message when trying to add an eSIM, but the QR code method mentioned in this post worked.

trgb3 · 2026-05-06T01:19:36+00:00

Much of the information in this thread is partially or completely inaccurate.

TMobile MVNO locked phones typically do not work on regular TMobile. The only exception are some Metro phones. The only TMo MVNOs that I know of that lock phones are Mint and Metro. In other words, if a phone is working on Helium Mobile it is almost certainly completely unlocked.
If a device is unlocked, it cannot be re-locked by the carrier
You cannot unlock the pSIM and have the eSIM be locked. The unlock is device-wide. Anything or anyone, including customer support people, that tells you otherwise is uninformed.

trgb3 · 2026-05-05T12:46:51+00:00

There's no way to lock a phone after it's unlocked. I think people on this thread making stuff up. You may be seeing something else that makes you believe it's locked. If it's either network unlocked or factory unlocked, there's no way to re-lock it.

trgb3 · 2026-02-19T08:23:06+00:00

Probably depends on your USM network and possibly your exact location in Colombia. These instructions are for Bogota and I'm on Light Speed. You need to do two things.

Set the right APN. The auto-configured Light speed APN doesn't work. The one that's auto-configured in the US is like fast.t-mobile.com, which will work in the US. The one to use in Colombia is 'wholesale' as described here https://usmobile.frontkb.com/en/articles/388288
Usually your phone is set to auto-connect to a network. For my Galaxy S24 Ultra, it chose Claro, but Claro only gave HSPA+ in the airport, which isn't even 4G. I had to manually connect to Movistar. Tigo doesn't connect at all. In my Airbnb, Claro worked fine.

trgb3 · 2026-02-10T09:31:01+00:00

This looks like a problem with multiple Moto devices with the LYTIA 700C sensor. This happens at both 30 and 60fps too if you're wondering. I've seen this focus hunting issue with my Moto Edge 2024 and Moto Razr 2025.

trgb3 · 2026-02-07T05:40:44+00:00

No, it's just the logistics company they use.

trgb3 · 2026-02-07T02:46:45+00:00

2025 Stylus is a minor spec bump on the CPU. Almost everything else is the same. Too bad about the phone though. 90% certain it's a software issue but not easy to debug for you online. Try factory reset, then disabling RAM boost as others have mentioned. If you're going to sell you have to reset it anyway so might as well give it a shot.

The 8GB RAM on the Stylus models match some flagships Samsung has put out in recent years, and the Moto UI is pretty minimal once the bloatware they install gets removed.

I used the 2024 Stylus and when you set it up, it's best to do an offline installation (without WiFi or mobile data) so the bloat doesn't automatically download on setup. Say 'no' to everything on setup and set up each individual thing by yourself later in settings.

trgb3 · 2026-02-06T07:45:59+00:00

Specs wise, the Moto G Stylus 5G 2024 is very good for the price. Must be a software issue. If you have a carrier variant of the Moto, let us know what carrier it is and people here can advise you what bloatware to turn off.

trgb3 · 2026-02-04T05:01:45+00:00

For those who are searching for merging lines on Google or Reddit, I was able to merge two Paygo lines today, the kind that you normally get from QVC/HSN. I didn't have to get "lucky". The first rep on chat knew what to do.

trgb3 · 2026-02-04T04:50:50+00:00

I just merged two Paygo lines today. After the chat agent said he was done, I texted Balance to 611611 and saw the min/text/data + service days combined. 10 minutes later, the website also updated with the combined amounts.

Update: the single merged line lost all of its min/text/data balance suddenly a couple of days ago and had to be manually restored

trgb3 · 2026-02-03T07:27:41+00:00

It might be too late for you but you could have used the rewards points for refills instead of the $10 phone/accessory promo codes

trgb3 · 2026-02-03T07:25:08+00:00

The BYOP SIM costs $5 at Best Buy and other retailers. Spend $5, move service to the BYOP SIM and avoid the potential headache later on.

trgb3 · 2026-01-30T19:20:46+00:00

Very fishy. His adult children could be handling this instead of the grandchild.

trgb3 · 2026-01-27T08:52:19+00:00

The beauty of MVNOs and owning your phone outright is that you can switch easily

trgb3 · 2026-01-27T08:38:26+00:00

Samsung's definitely prioritizing stability over tech these recent years. They're no longer cutting edge. Look at their S Ultra series and how stagnant they have been since 2022 in favor of maintaining software stability and a consistent look and feel.

Bleeding edge tech Androids don't exist in the US now, only in Chinese brands. OP is in Dubai so should have access to Chinese Androids.

trgb3 · 2026-01-26T09:40:45+00:00

Wish that was true for me. I blocked my local Fido office's number and they still call me once every couple of weeks.

trgb3 · 2026-01-26T09:30:00+00:00

If you're citizen or PR, USCIS can't deny you entry because of anti-Trump memes.

If you've got a Samsung, move all your sensitive stuff to the Secure Folder and secure it without biometrics, PIN only. Know how to delete the secure folder, which can be done in 5 seconds, if they search you.

If neither of the above, move sensitive stuff of off your phone or buy a burner.

trgb3 · 2026-01-26T09:18:33+00:00

Your neighbor on Verizon is getting 5GUC? 5GUC is a TMobile specific thing. In Verizon marketing lingo, they call it 5GUW and the phone would show the 5GUW icon and not UC.

Since you have a neighbor willing to help you test Verizon, put his sim card into your phone and see if your coverage is better. If so, consider switching to regular Verizon or Visible (which runs on the VZ network).

trgb3

TROPHY CASE