Title: US Mobile cut my service while living abroad after telling me roaming would work indefinitely. Warning for expats

Title: US Mobile cut my service while living abroad after telling me roaming would work indefinitely. Warning for expats

Posting this so other people living outside the US don't get caught the way I did.

When I signed up, I was told I could use my US Mobile line abroad on roaming with no time limit, as long as the line was activated in the US first. Based on that, I used it as my main US number from Brazil, including for bank and brokerage security codes.

Then, with no warning, my service was cut. Support told me I'd exceeded a 90-day roaming limit and needed to return to the US. That limit was never mentioned to me when I signed up. If it had been, I would have chosen a different carrier.

The real damage wasn't losing data. That number was the 2FA line for my financial accounts, and suddenly I couldn't receive codes. One brokerage wouldn't let me add a new number without a code sent to the old one, so I had to sort it out over the phone from abroad.

To be fair, they did offer a $3/month option to park the number so I don't lose it, and I'm using that until I can port it. But a parked number doesn't receive texts, so it doesn't fix the 2FA problem.

My takeaways if you live abroad:

- Get the roaming policy in writing before you sign up. Don't rely on what a sales or support rep says.

- Don't make a roaming line your only 2FA number for banks.

- Set up a backup sign-in method (authenticator app or security key) everywhere you can.

- Look for carriers that explicitly support Wi-Fi calling abroad for keeping a US number long term.

Has anyone else been cut off by US Mobile like this? Did you get the 90-day limit disclosed up front?

u/Training-Station4017 — 10 days ago

Rate my portfolio – 21% 1yr return, Sharpe 1.35, Sortino 2.0 (Risk DNA 66). What would you change?

https://preview.redd.it/xv4ff5asbrlh1.png?width=570&format=png&auto=webp&s=b8427f2dc14eee59103e722dbbc37e6519e2a083

Hey everyone,

Figured I’d share my current snapshot and get some honest feedback.

Allocation:

  • Dividend/Income: 43%
  • Broad Market: 35.1%
  • Other: 11.8%
  • Technology: 6.2%
  • International: 3.9%

Biggest positions:

VTI 22% · VYMI 15.4% · VYM 15.1% · VOO 13.1% · GPIQ 7.9% · TTTXX 6.6% · BTC 5.2% · SMH 4.6% · etc.

The tool’s summary says it’s well-diversified with strong downside protection (Sortino 2.0). I’m happy with the risk-adjusted returns so far, but I’m open to criticism.

What do you think?

  • Too heavy on dividend/income?
  • Enough international exposure?
  • BTC at 5% okay or too much/too little?
  • Anything you’d cut or add?

Curious to hear your thoughts — roast it if needed. sharing the tool I used in case anyone is interested https://vortaris.co/en

reddit.com
u/Training-Station4017 — 2 months ago

🌍 What would an “ideal” global portfolio look like with just 5 ETFs?

https://preview.redd.it/j18eax993dlh1.png?width=1040&format=png&auto=webp&s=5dee995a8c6f1facdb98c86e507a1159dfca1b9a

What would an “ideal” global portfolio look like with just 5 ETFs?

Here’s my proposal for a $700,000 portfolio:

🇺🇸 30% VTI — $210,000
🌎 25% VXUS — $175,000
🏦 20% BNDW — $140,000
₿ 15% IBIT — $105,000
⚛️ 10% QTUM — $70,000

The idea is to combine two things:

75% in a globally diversified core
+
25% in asymmetric bets on the future

The core gives you exposure to thousands of companies around the world, plus global fixed income.

The remaining 25% adds a little spice:

₿ Bitcoin
🤖 Artificial Intelligence
⚛️ Quantum Computing
🚀 Frontier Technologies

Diversification doesn't mean eliminating all risk.

It means making sure you don't need every bet to be right.

Diversified enough to survive. Bold enough to matter.

What would you change? 👇

#Investing #ETFs #Bitcoin #AI #Diversification #GlobalInvesting

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u/Training-Station4017 — 2 months ago

Concentração em Tech Americana: Reduzir ou Manter?

https://preview.redd.it/ci5chvwikckh1.png?width=1016&format=png&auto=webp&s=072d260539127669f90ba7f1ff84e5704d8550bd

Nos últimos 12 meses, minha carteira rendeu 29,85%, com volatilidade de 15,8% e Sharpe de 1,42.

Minha principal dúvida hoje é a concentração indireta em tecnologia americana, principalmente pela combinação de QQQM + AAPL + NVDA + GOOG. Como o QQQM já tem posições relevantes nessas empresas, a exposição acaba sendo maior do que parece à primeira vista.

Vocês reduziriam essa concentração ou manteriam a posição pensando no longo prazo?

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u/Training-Station4017 — 2 months ago
▲ 1 r/ratemyportfolio+1 crossposts

Thoughts on this portfolio for a 42y expat living off 60k/year in South America

https://preview.redd.it/yy5hbin3znjh1.png?width=1280&format=png&auto=webp&s=3bb6e48ef3d1fb265ee963d1a271253853e00e89

Thoughts on this portfolio for a 42y expat living off 60k year in south america.

$1.82M portfolio, generating roughly $50K/year in income, with a 23.6% 1-year return.

The allocation is pretty interesting:

  • 22.3% VTI
  • 15.2% VYMI
  • 15.2% VYM
  • 13.3% VOO
  • 8.0% GPIQ
  • 6.6% TTTXX
  • 4.9% SMH
  • 4.1% BTC
  • 3.9% VXUS
  • 2.8% JEPI

The thing that stands out to me is the combination of broad-market exposure + a very large income tilt, while still maintaining some exposure to technology and crypto.

Would you consider this reasonably diversified, or is there too much overlap between VTI, VOO, VYM and VYMI?

And at ~$50K/year in income, would you prioritize maintaining the income level or simplify the portfolio further?

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u/Training-Station4017 — 2 months ago
▲ 0 r/DerivativeIncomeETFs+1 crossposts

Rate my allocation — ~$1.66M, dividend/income-tilted, feedback wanted

https://preview.redd.it/a7486rpprcih1.png?width=2856&format=png&auto=webp&s=e32f2fefc88cba64a018260d30a97734ff162119

https://preview.redd.it/0qj9lnmxrcih1.png?width=2886&format=png&auto=webp&s=e1221fbd4af4c0754a77265cf01e2da2b679f3b4

11 positions, mostly broad index + high-dividend ETFs with a small gold and BTC sleeve. Rough breakdown:

  • VTI — 25.4%
  • VOO — 19.5%
  • VYM — 18.5%
  • VYMI — 16.8%
  • GPIQ — 5.7%
  • JEPI — 5.3%
  • GLDM — 3.3%
  • QQQM — 3.0%
  • JEPQ — 2.5%
  • DTCR / IBIT — negligible, rounding error at this point

Total value ~$1,663,000, projected annual income ~$45,000 (2.71% yield).

A few things I'm chewing on:

  • VTI + VOO is a lot of overlapping US total-market exposure — worth trimming one down?
  • VYM/VYMI/JEPI/JEPQ is four different flavors of "dividend/income" stacked together — diminishing returns on diversification, or does the mix actually do something?
  • GLDM and the BTC/DTCR positions are rounding errors — worth sizing up or just cutting?

(Built this view in a portfolio tracker I've been working on — happy to answer questions about the setup, not here to pitch it.)

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u/Training-Station4017 — 2 months ago

Thoughts on this allocation. Thanks all for the feedback!

42 y, early retiree living in Brazil on 60k/year. + 100k in BTC

u/Training-Station4017 — 5 months ago

I’m an American-Brazilian living in Brazil and honestly… this is getting old.

I’ve noticed this happen a few times now: I pay with an international card, select BRL on the machine like I’m supposed to, and somehow the charge still goes through in USD.

No heads up, no confirmation, just converted automatically with ~12% markup baked in.

At first I thought it was a one-off, but I’ve seen it at different places now. Doesn’t feel like a random mistake anymore.

End result:

  • you pick the local currency and it gets ignored
  • you get hit with extra fees
  • and you usually only notice later

Not great, especially for tourists who have no idea this is happening.

I’ve already filed complaints with the Central Bank and consumidor.gov.

Curious if anyone else has run into this?

u/Training-Station4017 — 6 months ago