FinanceHub2026-07-28T06:00:00Zhttps://financehub-dqq.pages.dev/Budgeting, investing, retirement, and consumer credit — educational content only.FinanceHub Editorial TeamVTI dividend reinvested at $274.10 — 48.32 shares totalhttps://financehub-dqq.pages.dev/notes/2026-07-28-vti-dividend-reinvest-274-10/2026-07-28T06:00:00Z2026-07-28T06:00:00ZDavid ParkVTI paid $149.80 dividend. Reinvested at $274.10/share, got 0.55 new shares. Total 48.32 shares, average cost $271.18. Yield on cost 1.33%.VTI vs VOO overlap: 85% identical — why I'm consolidatinghttps://financehub-dqq.pages.dev/notes/2026-07-27-vti-vs-voo-overlap-consolidate/2026-07-28T06:00:00Z2026-07-27T06:00:00ZDavid ParkHeld both VTI and VOO for 3 years. 85% overlap by weight. Sold VOO, added to VTI. Simplified tax-loss harvesting.Ally 4.00% HYSA vs Marcus 4.25% — why I split my emergency fundhttps://financehub-dqq.pages.dev/notes/2026-07-26-ally-vs-marcus-hysa-split/2026-07-28T06:00:00Z2026-07-26T06:00:00ZDavid ParkSplit $22k emergency fund: $11k Ally 4.00%, $11k Marcus 4.25%. Ally for quick access, Marcus for higher yield.SoFi HYSA dropped to 4.00% APY — time to switch?https://financehub-dqq.pages.dev/notes/2026-07-25-sofi-hysa-rate-drop-400/2026-07-28T06:00:00Z2026-07-25T06:00:00ZDavid ParkSoFi cutting from 4.20% to 4.00%. On my $18,500 emergency fund that's $37/year less. Switching to Wealthfront at 4.50% for an extra $92/year.VTI June 2026 dividend: $148.32 reinvested at $276.40https://financehub-dqq.pages.dev/notes/2026-07-23-vti-june-dividend-reinvest/2026-07-28T06:00:00Z2026-07-23T06:00:00ZDavid Park47.82 shares total, average cost basis $271.18, yield on cost 1.32%. June payout slightly lighter than May. DCA continues.VTI dropped to $275.80 this morning — 4th tranche of the year, $2k auto-filledhttps://financehub-dqq.pages.dev/notes/2026-07-22-vti-dip-buy-275/2026-07-28T06:00:00Z2026-07-22T15:00:00ZDavid ChenReal trade log: my DCA-on-red-days rule triggered again. 4th time in 2026.SoFi raised HYSA to 4.55% APY this morning — I moved another $15k from Marcus to lock it inhttps://financehub-dqq.pages.dev/notes/2026-07-22-sofi-hysa-rate-hike/2026-07-28T06:00:00Z2026-07-22T09:00:00ZDavid ChenReal move log: why I didn't wait for the 'dip,' the ACH timing gotcha I hit again.Moved $40k from Marcus to SoFi: 4.30% to 4.50% APY, same-day ACH, 12-minute setuphttps://financehub-dqq.pages.dev/notes/2026-07-18-marcus-to-sofi-hysa-switch/2026-07-18T09:00:00Z2026-07-18T09:00:00ZDavid ChenReal switch log: why I moved, the exact steps, and the one gotcha I hit (ACH push vs pull timing).Bought $2,000 more VTI at $279.14 on the July 15 dip — 3rd tranche of the yearhttps://financehub-dqq.pages.dev/notes/2026-07-17-vti-buy-dip-2000/2026-07-17T09:00:00Z2026-07-17T09:00:00ZDavid ChenReal trade log: my dollar-cost rule for buying broad-market ETFs on 2%+ single-day drops, and why I don't try to catch bottoms.<![CDATA[How to Improve Your Credit Score Fast: 10 Proven Strategies | Finance Hub]]>https://financehub-dqq.pages.dev/articles/credit-score-improvement/2026-07-04T00:00:00Z<![CDATA[How to Lower Your Car Insurance: 12 Proven Tips | Finance Hub]]>https://financehub-dqq.pages.dev/articles/how-to-lower-car-insurance/2026-07-04T00:00:00Z<![CDATA[Best Side Hustle Ideas 2026: Earn $1000+ Per Month | Finance Hub]]>https://financehub-dqq.pages.dev/articles/side-hustle-ideas-2026/2026-07-04T00:00:00Z<![CDATA[How to Maximize Your Tax Refund in 2026 | Finance Hub]]>https://financehub-dqq.pages.dev/articles/how-to-maximize-tax-refund/2026-07-04T00:00:00Z<![CDATA[Roth IRA vs Traditional IRA: Which Is Better for You in 2026? | Finance 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