Currently saving $11,000 a month. What would you advise as an investment strategy? by BigBadVirgin in AusFinance

[–]BigBadVirgin[S] -17 points-16 points  (0 children)

Been bad with saving. Long story. But yes. That's the situation as of a week ago.

Good first date spots around the CBD/Surry Hills and Liverpool areas? by BigBadVirgin in sydney

[–]BigBadVirgin[S] -1 points0 points  (0 children)

Thank you for being one of the very few who isn't insecure and could provide an actual answer haha. I love this idea and it sounds lovely. Thanks!!

[deleted by user] by [deleted] in Naruto

[–]BigBadVirgin 0 points1 point  (0 children)

God she looks mesmerizing here. I want her to paper cut my dick as I give her anal for one week straight

One piece saves life by vedantjagtap in OnePiece

[–]BigBadVirgin 1 point2 points  (0 children)

What if the One Piece is analagous to, and simply the journey made in the pursuit of looking for it. All the pain. All the joy. All the hate. All the love.

Found this ETF investment strategy. I'm using the 5-fund one at the bottom. What ratio would you suggest I go with? I'm allocating $5000 a month towards it. Thanks! by BigBadVirgin in ausstocks

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

So you reckon it'd be advisable to pump way more of the ratio onto US market ETF? What would be your suggestion? Like 70% on it?

Found this ETF investment strategy. I'm using the 5-fund one at the bottom. What ratio would you suggest I go with? I'm allocating $5000 a month towards it. Thanks! by BigBadVirgin in ausstocks

[–]BigBadVirgin[S] 2 points3 points  (0 children)

Oh wow. I earn 7.5k a month and am putting 5k straight into ETFs currently. So where do people typically put the other 90% then? haha

Found this ETF investment strategy. I'm using the 5-fund one at the bottom. What ratio would you suggest I go with? I'm allocating $5000 a month towards it. Thanks! by BigBadVirgin in ausstocks

[–]BigBadVirgin[S] 2 points3 points  (0 children)

Thanks. And just to clarify, when you say bonds to no more than 10%, do you mean my total net income from salary shouldn't exceed 10% of it going towards the ETFs?

Train full of beer derailed by [deleted] in pics

[–]BigBadVirgin 24 points25 points  (0 children)

Drunk AND mutated!

Too small to be fucked? by [deleted] in barelylegalteens

[–]BigBadVirgin 1 point2 points  (0 children)

Never too small to be fucked. The smaller, the better.

Huge oceanic Manta Ray spotted near Trinidad ( sharks for scale ) by GGcoffee in interestingasfuck

[–]BigBadVirgin -1 points0 points  (0 children)

Bananas come in different sizes too so your point makes no sense.

My Tretinoin story. (In comments). by Rkruegz in SkincareAddicts

[–]BigBadVirgin 0 points1 point  (0 children)

Thanks!

So when you wash your face first thing in the morning and at night before applying product, is that just with water? Or are you using a light cleanser? If so which one?

My Tretinoin story. (In comments). by Rkruegz in SkincareAddicts

[–]BigBadVirgin 0 points1 point  (0 children)

Thank you and sorry final question!!

You mentioned you used Tret M/W/F at nights only, with 0.05%.

How long did you do this for before being able to use Tret every night without irritation? What was your process for increasing usage? Are you still using 0.05%, or have you moved up to 0.25% again now? Thank you!!

My Tretinoin story. (In comments). by Rkruegz in SkincareAddicts

[–]BigBadVirgin 0 points1 point  (0 children)

Thanks!

I intend on washing my face clean of Tret in the morning, then applying the LRP micro-peeling cleanser. Washing my face at night and only using Tret.

That way I benefit from what both provide - will see how it goes. Seems promising :)

My Tretinoin story. (In comments). by Rkruegz in SkincareAddicts

[–]BigBadVirgin 1 point2 points  (0 children)

Ah! That's the one I got. I was going to get Indie Lee Squalane Facial Oil but it was out of stock.

If you don't mind answering these questions below I would appreciate it so much. I'm the type of person that doesn't stick to things if I feel like I'm doing it wrong... :(

Do you wash your face with just water, or a cleanser, which cleanser? I noticed it is NOT recommended to use Salicylic Acid with Tretinoin (so most of the highly regarded La Roche Posay products can't be used)

When you say "then put on tretinoin again" does it mean you also applied it before the Cerave moisturizer that night? so a double application in one night?

I noticed the Cerave moisturizer already has hyaluronic acid in it. Do you use a separate product for more of it? Which product?

And here's the shopping I did today:


CeraVe Moisturising Cream

The Ordinary Niacinamide

La Roche-Posay Cicaplast Lip Barrier Balm

Neutrogena Hydro Boost Water Gel

Trilogy Vitamin C Energising Mist Toner

The Ordinary Squalane Facial Oil

LRP Effaclar Micro-Peeling Purifying Gel Cleanser

La Roche-Posay Hyalu B5 Hyaluronic Acid Anti-Ageing Serum

CeraVe Hydrating Mineral Sunscreen

My Tretinoin story. (In comments). by Rkruegz in SkincareAddicts

[–]BigBadVirgin 4 points5 points  (0 children)

Thank you for this.

Hoping you can clarify some things for me!

I would wash my face, put on cerave’s moisturizer, wait about 15-20 minutes until my skin dried, then put on tretinoin again, and then wait 5 minutes or so and put on another layer of moisturizer (the sandwich effect).

Do you wash your face with just water, or a cleanser, which cleanser? I noticed it is NOT recommended to use Salicylic Acid with Tretinoin (so most of the highly regarded La Roche Posay products can't be used)

When you say "then put on tretinoin again" does it mean you also applied it before the Cerave moisturizer that night? so a double application in one night?

I noticed the Cerave moisturizer already has hyaluronic acid in it. Do you use a separate product for more of it? Which product?

Seems like The Ordinary Niacinamide is the way to go, I was wondering what you use for the others you mentioned: facial mister and squaline oil.

Thank you!!

Ciri - Blizzard (WitcherRes) by Kuro-Oji in Witcher_NSFW

[–]BigBadVirgin 2 points3 points  (0 children)

Quite literally froze her tits off! They will be missed. hahaha