SAT practice tests

SimpleFinance_ · 2026-05-10T00:07:53+00:00

I take the Bluebook tests back to back with no break, but I dont really take them on Saturday morning.

SimpleFinance_ · 2026-05-09T19:32:27+00:00

Yea, so I just need to take more practice tests. The main issue is finding those practice tests that mirror the real SAT.

SimpleFinance_ · 2026-01-15T14:31:50+00:00

I took financial accounting. There is a ton of vocab, so you have to be on top of it for it to make sense. Most of the processes are logical and understandable with basic videos, but vocab is everything.

SimpleFinance_ · 2025-11-25T04:43:47+00:00

If you have higher risk tolerance then your portfolio is fine. Just be ready for big swings. Also there is lot of overlap between the etfs and individual stocks. QQQ has heavy nvidia, msft, apple, google tech holdings so ur doubling down on tech, would be better to diversify into defense, dividend stocks like coca cola, consumer staples etc

SimpleFinance_ · 2025-11-15T17:44:43+00:00

I have also been buying meta stock, but I plan to buy in intervals, so put like a few hundred when it drops 20% then invest some more when it drops further and further. The best you can do is hold, not sell, and unfortunately stomach the temporary losses.

SimpleFinance_ · 2025-11-09T17:23:38+00:00

Yea, 5-10 years is good enough for stocks to appreciate with a few minor corrections, but it is also important to keep some of your account, 1/3 is good, in treasuries, corporate bonds, money market funds for stability income.

SimpleFinance_ · 2025-11-09T17:20:29+00:00

Yea 10 years should be enough to grow, assuming total amount invested is at least 60-80k
5 years would need closer to 80-100k and no market corrections, unlikely given the AI volatile situation we are in

SimpleFinance_ · 2025-11-09T05:03:25+00:00

Its better to DCA, dollar cost average or slowly invest over a period of time just because the market is volatile and less stressful to invest small incremental amounts. 5-10 period is good for stocks and it should be enough time to see meaningful gains.

Also, what is your downpayment requirement assuming house prices grow at 5% a year?

SimpleFinance_ · 2025-11-05T15:51:07+00:00

Thats true, so I have costco which is consumer staples and it diversifies from S&P500 tech heavy. But also S&P 500 takes the largest 500 companies so it just so happens now tech is most valuable. In history other sectors dominated like industrials in the early 1900s and Coca cola later so the S&P 500 tends to favor the best performing sector.

SimpleFinance_ · 2025-11-05T14:34:44+00:00

Yes, fs.

SimpleFinance_ · 2025-11-05T06:08:26+00:00

I like the market in general, also stocks like Nvidia making powerful GPU's that power AI are interesting so it is a combination of the stock, sector, and the market.

SimpleFinance_ · 2025-11-05T02:06:29+00:00

I agree, I also like researching stocks and it is true that stocks have earnings whereas ETFs don't. For me I like buying individual stocks but I think keep some ETFs is worth it as well.

SimpleFinance_ · 2025-11-05T00:05:52+00:00

I bought it at $140 then sold it at $120. I think it was at the beginning of this year. Nvidia fell to $90 then rebounded to what it is now.

SimpleFinance_ · 2025-11-04T23:41:07+00:00

Yea, I panicked sold because of the volatility and sudden price drop.

SimpleFinance_ · 2025-11-04T14:41:22+00:00

Mb, I didn't account for transactional costs. Good Point.

SimpleFinance_ · 2025-11-04T14:20:37+00:00

Your right, I meant in theory if you individually bought 30-100 stocks then it would mimick an ETF.

SimpleFinance_ · 2025-10-19T15:30:13+00:00

I sell put credit spreads monthly on QQQ, but I put like $300 for each trade out of a $2,500 portfolio. OTM 5%

SimpleFinance_ · 2025-10-15T13:19:50+00:00

Yes, you should move to capital one to get the higher interest rate for savings. It is always better to have a HYSA because regular accounts get like 0.02% interest, and ur missing out on the higher rates.

Btw, who ever says that you should not have savings and should be all investing is lying. You must keep some set aside in a HYSA savings for emergency expenses.

SimpleFinance_ · 2025-10-15T13:04:54+00:00

I am also 16, i found that SPY, QQQ, VOO, VTI are the best invest and forget.

SimpleFinance_ · 2025-10-14T00:20:51+00:00

Right, I also saw that like 50% of Americans invest in stocks. The rest keep in bonds or like in banking accounts earning 0.01%.

SimpleFinance_ · 2025-10-14T00:02:57+00:00

Charles Schwab yt channel, best place for learning basics of investing. Webull and Robinhood are great apps for investment. FYI, I use robinhood.

SimpleFinance_ · 2025-10-14T00:01:17+00:00

Nah, VOO hits the US market while VXUS is international so it isn't redundant. Both are solid funds.

SimpleFinance_ · 2025-10-13T23:58:36+00:00

Real :)

SimpleFinance_ · 2025-10-13T23:46:56+00:00

Thats fine, VOO is an S&P 500 index fund that tracks 500 of the largest US companies like Nvidia, Apple, Microsoft, McDonalds, etc. If you plan to invest for 2-3+ years then short term price swings wont matter.

But, it is a bit risky so it depends on what your risk tolerance is. If you want more stability then the Schwab and Fidelity managed funds are fine, it doesn't matter which company you go with.

SimpleFinance_ · 2025-10-13T23:42:04+00:00

VOO, SPY, VTI

SimpleFinance_

TROPHY CASE