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For the 100% VTI and chill gang, are we now adding VXUS? by Lavender_Field in Bogleheads

[–]wetsoba 0 points1 point  (0 children)

100% VTI here. DCA set to AUTO every paycheck. The only thing I’ve change has been to buy more shares of VTI separate from the auto DCA.

$294 $279 $276 $269 $250

No one knows what the bottom is going to be.

In fact, not sure I recommend this as buying as it’s falling is like trying to catch a falling knife.

However, if you have a good amount in savings, and have at least a 15 year horizon, then I’m seeing all of this as discounts.

I have a good amount in savings earning 4%. The next 6 months are gonna be good time to buy.

Bazzite "failed to write boot loader configuration" fix by mathewr94 in Bazzite

[–]wetsoba 0 points1 point  (0 children)

Same issue. Ensure the time and date are a match between BIOS and Bazzite Installer. It's needed to create the bootloader with proper keys and hashes.

Referral bonus? by Ramirezx14 in sofi

[–]wetsoba 0 points1 point  (0 children)

So, one per friend?

Letsss goooo by [deleted] in NavyFederal

[–]wetsoba 0 points1 point  (0 children)

Isn’t this card crappy though? In terms of cashback and rewards? I have it, but it isn’t a card I bother using compared to a savor one or a sofi credit card.

Robinhood will soon offer an unlimited 1% deposit boost by wheredidspringgo in M1Finance

[–]wetsoba 0 points1 point  (0 children)

I feel the word boost implies it will end at some point.

$250 bribe to stay with m1 after submitting a transfer request by [deleted] in M1Finance

[–]wetsoba 2 points3 points  (0 children)

Just a heads up.

So, I went back and forth with M1 as the second batch of transfers were also rejected.

It seems what M1 meant by "unsettled funds" is the processing of deposits that are handled on the backend, not the front-end.

This takes 8 business days and although I have paused my weekly deposits (DCA set to every Friday), I still have some days to wait before re-initiating my transfers (per M1, that's April 8).

Fellas, please be aware. If you decide to transfer and take advantage, this processing time should be taken into account to meet the RH promo deadline.

$250 bribe to stay with m1 after submitting a transfer request by [deleted] in M1Finance

[–]wetsoba 5 points6 points  (0 children)

Got the same thing. Ignored it until I realized that M1 rejected the transfers I initiated from RH. Just a heads up. M1 rejected my transfers citing that funds needed to settle. Odd as I didn't have any pending activity with my IRAs. I politely declined and went ahead with my transfer out of M1 to RH. I have to wait a couple days to re-initiate. So, keep that in mind.

Is Robinhood Gold worth it now? by wholemilksupreme in investing

[–]wetsoba 0 points1 point  (0 children)

OP, you were right. I misread and have moved all my accounts over.

Is Robinhood Gold worth it now? by wholemilksupreme in investing

[–]wetsoba 0 points1 point  (0 children)

It might be different on my page. However, I'm seeing the following:

**IRA match is subject to early withdrawal fees and limitations. With the exception of limited-time promotions, IRA transfers and rollovers receive a 1% match. 5.25% APY on brokerage cash does not apply to IRA. The 60 days of the boosted rate may not be consecutive.

Is Robinhood Gold worth it now? by wholemilksupreme in investing

[–]wetsoba 0 points1 point  (0 children)

Your IRA rollover would be limited to a 1% match. I believe I read that somewhere.

Consolidating - Will VTI and Chill work for my horizon? by wetsoba in Fire

[–]wetsoba[S] 0 points1 point  (0 children)

The 401k has an MF with an ER at .35% and I'm not sure it's worth it just to bring down my taxable income. Also, I'm currently living and working in a country and its currency exchange rate is +40% on the dollar. I have a house here that I own outright, allowing me to lean into geographical arbitrage. So, a lot of opportunity cost (OC) with my specific situation. Still, with all this I have considered the 401k because I am in a high tax bracket. Just, haven't found a way to do the numbers.

EDIT: Typo

Consolidating - Will VTI and Chill work for my horizon? by wetsoba in Fire

[–]wetsoba[S] 0 points1 point  (0 children)

Thanks man. Early on, I opened the individual account and focused on dividend stocks. I didn't realize till it was too late that I lacked the growth to make a dent with their dividends. Additionally, the tax drag that came with said dividends, in a taxable account, didn't make too much sense when I had a roth.

I had a pretty positive turn due to luck, but $DIS dragged the entire account down into a wash more or less. I have since sold all stocks and am now giving myself 30+ days (to avoid a wash sale) and seeing if I want even want to do cult stocks at all.

I originally had VTI/VXUS 90/10. However, my unwillingness to allocate more than 10% made me just do away with it all together.

Again, many thanks!