TD
Toronto Dominion Bank
stock NYSE

Thank you for contributing your knowledge. So, this is a broker thing and It would follow that the same behavior occurred at TD.
I had only one account at TD under this primary tax payer ID. Ironically, when this account was moved back to Schwab after the acquisition, the old account from which this one was forked triggered the PDT rule today.
Now that I have some confirmation how this works I will probably just deposit enough money to stop the 25K alarm.

shanahan had a free chance of going for a 2 pt conversion. cost him nothing and saves him in case eagles get the TD but miss the extra point (like the 49ers just did)

I’m trying to clarify how PDT status is applied across accounts in thinkorswim.
I have two accounts under the same taxpayer ID:
* Acct A: $1M equity, occasionally makes day trades. Never below $25K. Not PDT-restricted.
* Acct B: $3K equity, flagged as pattern day trader, not traded for 4 years.
Despite Account A meeting all PDT equity requirements, I see this annoying message in the Messages gadget when Account A is selected:
`This account is in a day-trade minimum equity call because it is flagged as a pattern day-trading account and has less than $25,000 equity. If you are not familiar with what this means for your account, please go to the Learning Center and search “Pattern Day Trading.”`
A support rep recently suggested that the PDT flag on Account B is causing this warning to appear in Account A; even though Account A itself is not subject to PDT rules.
This raises some questions:
1. Is it standard for brokerages to propagate PDT warnings from a small non-compliant account to a large, compliant one under the same tax ID?
2. Or is this more likely a limitation in how compliance status is scoped or displayed in the platform?
3. Is there a way to suppress irrelevant messages in accounts where they don’t apply?
From a software behavior standpoint, showing a PDT equity call message in an account that clearly meets requirements feels like a user interface or state management issue.
It’s possible this behavior didn’t exist under TD Ameritrade thinkorswim architecture? I don't recall. Perhaps some compliance logic may now be shared globally rather than enforced per account. This could explain cross-account "contamination" of status flags; either as an interim design decision or incomplete feature rollout.
If anyone else manages multiple accounts under one login and has seen similar behavior — especially if you remember how this worked pre-Schwab integration — I’d really appreciate your input.

See if TD Precioue Metals will ship to you. Or even better, if you have TD branches in the UK, they can ship to those.

MP2 is my recommendation assumming active oag-ibig member ka.
My stock experience is limited and experience tells me it needs time & attention.
Otherwise stick to digital saving bank MAYA or SALMON TD.

love it. I'm at $82k/$6800 mo avg. similar strategy.
36 overall
Stocks - ABBV, CRM, LYB, JNJ, KMB, MO, NFLX, O, OKE, PFE, SBUX, TD, VICI, UPS, DUK, MFA, T, TROW, XOM, UBER
MLP's - EPD, ET
CEF's - BST, BME
BDC's - ARCC, HTGC, MSDL, OWL (not BDC but finance and asset management)
ETF's - SCHG, SCHD, AIQ, PAVE, SOXQ, SPMO, QQQI, SPYI
Good luck - I personally love budgeting, finance, investing, and managing it all. After several years of learning and practicing... It truly has turned into a hobby.

TOS because it gives me the flexibility to make my own scripts, scans, etc… plus I’ve had it for a very long time (1998) when my brokerage Datek was acquired by Thinkorswim in 2002, then TD Ameritrade acquired thinkorswim (2009), then Charles Schwab acquired thinkorswim (2019). I have tried other platforms but I like TOS more because of the simplicity and flexibility of writing scripts. I guess it works for me so why change it. The one thing I would like for them to add is the ability for the user to obtain the quarterly revenue just like we are able to get the earnings numbers for all companies.

I am not a trader. However, I have tried to "swing trade" a few times. I watch youtube videos of many folks, and read up about it on the internet to see if what they say has any basis, and then take my chances. When I heard the PLTR was getting into S&P, I upped my position by >200% and it went well. Something that I will never forget is GME trade.
Burry's Game Stop (GME) buy had made a lot of noise. Fortunately for all of us, when the 13F came out (which is usually after 3 months of the trade transaction), GME was still at $2.5. I bought an insane number of them. Later, I was in the process of moving my account from Etrade to TD Ameritrade. Etrade guy told me that they do not give you cost basis so I better store them before moving the stocks. He said that they are forced to give the cost basis if I liquidate the assets. To make life simple, I liquidated the whole thing before moving my account. I forgot to buy back GME after moving to TD Ameritrade, and it squeezed to $350 at one point in time.
What was even more disappointing was bitcoin investment (so this is not exactly a trade example). I was going to buy a ton of BTC in 2013 and had called coinbase about it. At that time, the process was so painful just to open an account with them, that out of laziness, I did not open the account. I still bought some in 2017 but not nearly as how much I was planning on buying in 2013.
Trading and investment needs a lot of discipline and the inner resolve on following the plan no matter how hard it gets. That has been my lesson. Not only have I made a mistake once, I have made the same mistake multiple times. I guess I was am dumb that I don't even learn from a single mistake but have to make it multiple times to learn the lesson.

That may be true but you can't eat on the 18% growth. for an income investor, stable is fine as long they are paying a dividend. The only way you get any cash flow with QQQ is to sell the underlying. This is why the 4% rule or the now 4.7% rule is so flawed.
I understand the theory of 4.7% withdrawal rate in order to maximize the longevity of your savings but again I completely disagree with this "flawed" model, or any other model that has you depleting your next egg. A little history, first off I'm no professional trader or financial advisor but I am extremely diligent in my research, and yes I pay for some advice (Motley Fool, various Seeking Alpha authors, etc) and I've been investing in the stock market since I was 24. I cut my teeth on the [dot.com](http://dot.com/) era. I'm now 54. My very first trade was with Solomon Smith Barney, then when the commissions got too high, I went to Scottrade (home of the $7 trade), then TD Ameritrade, and now with Schwab. 
Back to the flawed or the popular 4% or whatever % withdrawal rate you want to use.  This may work during bull markets, when the theory is the market will grow on average of 7+%, so you'll net 3-4% to make up for inflation and your withdraw, etc.  But during bear markets, you're selling distressed stocks, most likely at a loss, with no growth in your portfolio.  This is why the withdrawal policy is flawed.  Just about anything works in a bull market, what's the saying?  A rising tide lifts all boats.  It's the bear markets that can wreck your retirement plans.
I invest in SWAN stocks (Sleep Well at Night) companies that pay dividends. The income portion of my retirement portfolio holds a mixture of stocks, CEF (closed-end funds, and yes, there are municipal CEF's that the distributions are tax-free) REITs (real estate investment trusts) and ETFs (and even a few covered call ETFs). My portfolio averages 9% yield on cost, not on current yield. This is extremely important to understand. 
I'll use an example of a REIT I own, I'm pushing any securities. IRM (Iron Mountain) current price $84ish, (rose to over $125 a few months ago, but has pulled back; IMO the $125+ was a little exuberant). Current dividend yield 4.1% or $3.46. My cost basis is $30.28, so my Yield on cost is 11.4% (not to mention the 200%+ price appreciation). As the stock has risen so has the payout, but the cost didn't change as I haven't added to this position except DRIPs.  This, again is why yield on cost is so important to understand.
I have a fairly decent-sized nest egg, (growth and income generation) the income portion of my portfolio is just into the 7 figures. At the average overall yield of 9.3% (without adding any more contributions) I net approx. $103K annually without ever having to sell 1 stock. This is real sustainable income for years to come. 
I have a friend who works at Edward Jones, and I've asked her why she doesn't push these types of securities for retirement, and she simply said, if we're not trading, we're not making money. I think "Financial Professionals" really need to look at what a nest egg could really return for their clients.  I don't think I've ever heard of any professionals mention REITs, ETFs or CEF's when it comes to retirement income. If they are mentioning them, it's mostly in a negative tone.  I think it's irresponsible for Financial Advisors to not look at all options. This is just my 2 cents.

How long have you been buying BNS and TD? Do you add regularly or buy on DIPS?

Coop 8% TD. Started 4 yrs ago and I am about to reach 6 digits hopefully this yr of monthly passive income from all across other investment. I also have condotel, holding BNB sa binance gives me also monthly rewards bot less than 5 digits per month. I also have stocks and reits.

Retirement preparedness ideally should be on your late 20s/early 30s. But not too late if your target retirement is 60/65.
Start tracking your NW. Very important. You need to see if your savings and investments are gaining traction.
At your age (same as me) you can still afford to be aggressive. You're at your peak income, so might as well allocate half in savings and retirement investment. A good mix of fixed instruments (TD, MP2) and stocks (ETFs, Index) should be an ideal start point.
I would not recommend to chase dividend, those are for people with large portfolio already. Focus on growth.

I know people with over 10M who get nothing. When it was TD and they had a different rep, they used to get tickets to some sporting events or some thing I forgot what they told me
In fact, they recently moved some of it to another brokerage because they got an $8000 bonus for moving 3M

Thank you for contributing your knowledge. So, this is a broker thing and It would follow that the same behavior occurred at TD.
I had only one account at TD under this primary tax payer ID. Ironically, when this account was moved back to Schwab after the acquisition, the old account from which this one was forked triggered the PDT rule today.
Now that I have some confirmation how this works I will probably just deposit enough money to stop the 25K alarm.

shanahan had a free chance of going for a 2 pt conversion. cost him nothing and saves him in case eagles get the TD but miss the extra point (like the 49ers just did)

I’m trying to clarify how PDT status is applied across accounts in thinkorswim.
I have two accounts under the same taxpayer ID:
* Acct A: $1M equity, occasionally makes day trades. Never below $25K. Not PDT-restricted.
* Acct B: $3K equity, flagged as pattern day trader, not traded for 4 years.
Despite Account A meeting all PDT equity requirements, I see this annoying message in the Messages gadget when Account A is selected:
`This account is in a day-trade minimum equity call because it is flagged as a pattern day-trading account and has less than $25,000 equity. If you are not familiar with what this means for your account, please go to the Learning Center and search “Pattern Day Trading.”`
A support rep recently suggested that the PDT flag on Account B is causing this warning to appear in Account A; even though Account A itself is not subject to PDT rules.
This raises some questions:
1. Is it standard for brokerages to propagate PDT warnings from a small non-compliant account to a large, compliant one under the same tax ID?
2. Or is this more likely a limitation in how compliance status is scoped or displayed in the platform?
3. Is there a way to suppress irrelevant messages in accounts where they don’t apply?
From a software behavior standpoint, showing a PDT equity call message in an account that clearly meets requirements feels like a user interface or state management issue.
It’s possible this behavior didn’t exist under TD Ameritrade thinkorswim architecture? I don't recall. Perhaps some compliance logic may now be shared globally rather than enforced per account. This could explain cross-account "contamination" of status flags; either as an interim design decision or incomplete feature rollout.
If anyone else manages multiple accounts under one login and has seen similar behavior — especially if you remember how this worked pre-Schwab integration — I’d really appreciate your input.

See if TD Precioue Metals will ship to you. Or even better, if you have TD branches in the UK, they can ship to those.

MP2 is my recommendation assumming active oag-ibig member ka.
My stock experience is limited and experience tells me it needs time & attention.
Otherwise stick to digital saving bank MAYA or SALMON TD.

love it. I'm at $82k/$6800 mo avg. similar strategy.
36 overall
Stocks - ABBV, CRM, LYB, JNJ, KMB, MO, NFLX, O, OKE, PFE, SBUX, TD, VICI, UPS, DUK, MFA, T, TROW, XOM, UBER
MLP's - EPD, ET
CEF's - BST, BME
BDC's - ARCC, HTGC, MSDL, OWL (not BDC but finance and asset management)
ETF's - SCHG, SCHD, AIQ, PAVE, SOXQ, SPMO, QQQI, SPYI
Good luck - I personally love budgeting, finance, investing, and managing it all. After several years of learning and practicing... It truly has turned into a hobby.

TOS because it gives me the flexibility to make my own scripts, scans, etc… plus I’ve had it for a very long time (1998) when my brokerage Datek was acquired by Thinkorswim in 2002, then TD Ameritrade acquired thinkorswim (2009), then Charles Schwab acquired thinkorswim (2019). I have tried other platforms but I like TOS more because of the simplicity and flexibility of writing scripts. I guess it works for me so why change it. The one thing I would like for them to add is the ability for the user to obtain the quarterly revenue just like we are able to get the earnings numbers for all companies.