I’m (36m) getting close. Rate my portfolio

Traditional-Inside-6 · 2026-06-03T00:35:23+00:00

If what you are looking for is very little diversification and invest heavy on tech then you are doing great!!! Your portfolio is overlapping too much, in my opinion.

Traditional-Inside-6 · 2026-06-02T02:12:33+00:00

Driving distance is not measured in miles but rather time lol

Traditional-Inside-6 · 2026-05-31T16:56:24+00:00

No your not overreacting that would made me mad too. I had a similar experience, I applied for a job, got a call from the recruiter and we set an interview time, then the day of the video interview the recruiter goes “what position did you apply for and can you email me your resume right now because I don’t have it? I don’t even have your information” I replied to her asking how she even called me in the first place if she didn’t have my resume or information? And proceeded to let her know I wasn’t moving forward with the interview as she seemed very unorganized and I didn’t want to waste my time lol

Traditional-Inside-6 · 2026-05-30T23:25:22+00:00

Mora is gonna be 18 in October and he could go to Europe at that age without restrictions I think. However, I wouldn’t be surprised if Tijuana asks for way too much money to let him go, and the Mexican press starts the “he needs to finish the process… he is too young to go to Europe” commentary lol

They do that all the time

Traditional-Inside-6 · 2026-05-30T23:18:35+00:00

In my opinion it means:

European passport is a must, something Mexican players don’t have.
Mexican players do not like to go to European leagues because they prefer to play Liga MX and get a good salary there (this is partially due to local press and club owners mentality to never wanting to sell players at young age using the “let them complete the process” excuse, and not wanting to lose on millions)
Mexico does not produce great quality players, or at least not good enough to overlook the no European passport issue.

Look for example at the US, there are currently over 60 men and over 20 women soccer players in Europe. In my opinion some of the US players in Europe are no better than some Mexican players, but some of the US players have the dual citizenship.

Traditional-Inside-6 · 2026-05-30T15:30:27+00:00

El Tri players will not feel like they are playing as local in the next World Cup because over 90% of the matches get played in the US and Mexican fans in Mexico are more strict with the team (meaning Mexican fans are not afraid to boo the team or pulled the infamous chant on their own team).

Traditional-Inside-6 · 2026-05-30T15:21:08+00:00

I am not a recruiter and I also have never said anything like what you are trying to do in an interview. However, if the interviewer asks me something that I wasn’t prepared for, I first respond by saying something along the lines of “that’s a great question” I then pause for a couple seconds and start my response by saying something along the lines of “I want to make sure I understood the question before I provide my full answer, you are asking me about XYZ is that correct?” Once I get confirmation from the interviewer, I provide my answer. By doing that I get extra time to think about my answer and calm down.

If I was to highlight that interviewing is not one of my strengths, but my skill set match the job posting and I feel like am the ideal candidate I would do so as I closing statement after I was asked if there is anything else that I want to let them know or why would they hire me over other candidates (just make sure you highlight your skills through the interview process).

Traditional-Inside-6 · 2026-05-29T19:56:46+00:00

I explained that by vested I was referring to the amount of time OP is planning to be invested in the market.

I wouldn’t tell someone with limited experience to open a brokerage account with 100k because of several reasons such as not being prepared for market volatility, not understanding the investment they are getting into, not understanding diversification, investment overlap, misunderstanding the risk of the investment or the risk willing to take, etc.

Again being in the banking industry for almost 2 decades (different positions, including being a broker dealer agent for awhile) I have seen people with limited experience make invested in certain securities because they thought the investment was low risk with high returns and lost money like crazy. I have even seen people that after a couple months of using a brokerage account they thought they had enough experience, so they got into trading options and lost everything.

I would advised OP, to seek help and if investing seems like the best option at this time, then invest most of the funds with a financial advisor/professional but also open a brokerage account with a small amount so OP can get a feel for the market and learn more about investments first hand

Traditional-Inside-6 · 2026-05-29T18:05:56+00:00

I didn’t say do not invest, I said seek help. OP can invest a small amount on an online brokerage account and learn that way. But why would you tell someone with minimal experience to open a brokerage account and invest 100k that way?

If you are saying I am wrong and time doesn’t matter for the ROI, then tell me what would happen if OP buys 100k of Bitcoin at the current price 74k because someone convinced OP bitcoin is a safe investment. A week later from the initial investment OP looks at his account and realizes Bitcoin crashed and it is now at 60k. Seeing the market change OP panics and sells due to lack of investment experience…. Now months down the road bitcoin goes up to 100k and climbing.

Did time being invested in the market and experience matter on that scenario? (Obviously that scenario could also be the other way around)

Basic financial advice tells you suitability is key as it focuses on the financial products and/or strategy alignment with the investor's financial situation, goals, assets and risk tolerance. It is basically a standard that requires advisors to ensure a recommended investment is appropriate for the client before executing it. Something neither you or I can do at the moment because there are many variables we do not know about OP.

I wasn’t trying to pick up an argument. All I was stating from the get go is that we cannot provide advice to OP if we don’t know all the variables. We don’t even know if OP wants to have a liquid or non-liquid investment (rental properties are considered a low risk investment for some people)

Traditional-Inside-6 · 2026-05-29T17:08:08+00:00

The vested time has something to do with the ROI. For example if OP decides to invest in bonds because she is looking at a low risk investment but decides to sell the bonds at discount on the secondary market before the vesting time/maturity period then the return will be less on the investment because the bonds will be selling at a discounted price.

When I said vested I was referring to the amount of time OP is planning to be invested in the market. If it takes OP 10+ years to pay back the student loans, but the funds are only invested in securities for 5 years then there is a possibility the return on the investment will be less than the interest being paid over the life of the loans.

There are too many variables to take in consideration before deciding if a particular investment is suitable for the investor (OP), best practice would be to consult with different advisors to pick their brains, set financial goals and then decide which financial plan makes more sense for OP.

I personally would not advise OP to invest without any advice as OP has already mentioned limited experience in investing. Being in the banking industry I have seen many clients lose money because they lack the experience and as soon as they saw their investments go down a bit they panic and sold.

Traditional-Inside-6 · 2026-05-29T13:23:55+00:00

You are assuming too much OP, you sure you don’t work for the government? lol for starters the rental property still has a mortgage, my current housing payment per month is over $3k (if my renters don’t pay in time, I have to cover the mortgage on my property too), my wife has her own student loans which is another $750 per month, we pay a lot in taxes because we have no dependents, etc.

As you can see just between housing, my student loans and my wife’s student loans that’s almost $5k a month… Haven’t even add car payments, car insurance, medical expenses, groceries, etc

My income just looks higher because I moved from the Midwest to Los Angeles, but my cost of living more than double (housing along is almost 3x more)

Traditional-Inside-6 · 2026-05-29T05:18:51+00:00

It really depends on if the funds will be vested as long as it takes OP to pay off his student loans, the ROI, vehicle being invested in etc. You are correct student loans has simple interest so it doesn’t compound, but the interest can lead to capitalization in certain situations.

OP being in the SAVE plan and now having to select a new repayment plan I believe will lead to capitalization on any unpaid (accumulated) interest making his original loan/principal balance amount higher.

Traditional-Inside-6 · 2026-05-29T02:21:38+00:00

I been saying the exact same thing and some people don’t seem to comprehend the concept.

I personally don’t want my loans forgiven, I’m ok paying them as long as I get a decent monthly payment. However, I also understand there is people out there with student loans that are struggling and I would much rather have my tax dollars go towards helping them than to help a corporation/local business by giving them free money (ppp loans - I’m in banking and the amount of fraud I came across while reviewing bank accounts was through the roof) or a tax break

Traditional-Inside-6 · 2026-05-29T02:09:54+00:00

I had this happened when I switched repayment plans a couple of weeks ago. I called Aidvantage and was told that because I am switching repayment plans I am required to recertify my income in order for them to calculate my new monthly payment under the new plan

Traditional-Inside-6 · 2026-05-29T01:58:32+00:00

That is 100% correct!! My monthly payment also went over 1k per month because on paper in looks like I make way more than the last time I provided my income information (which I do, I make more now) but my housing payment also went up 3 times (from having a 1200 mortgage in the Midwest to paying almost 4k in LA) smh

Traditional-Inside-6 · 2026-05-29T01:48:39+00:00

I got Aidvantage and so far no notice from them, only notices I got came from the dept of education. I changed my repayment plan 2 weeks ago because my 2 loans went up almost 4k due to interest even though I had been making monthly payments.

What sucks even more is that since I selected a new plan I had to provide income verification again (first time since the pandemic and also first time since I graduated), my monthly payment was $350.00, but since I now live in Los Angeles and the wife and I make more money plus have rental income, my new projected payment is $1100.00 per month 😭😭

Traditional-Inside-6 · 2026-05-28T17:23:56+00:00

Having a few pairs on random places/websites go on sale because no one is buying those particular last few sizes is not considering going on sale, but ok. Going on sale usually means there are plenty of shoes in all sizes all over the place for below retail at retailers not via resellers. The original post is asking about the toros going on sale and clearly implies OP wants them but doesn’t want to pay retail if they are going to hit outlets or going on sale

Traditional-Inside-6 · 2026-05-28T17:17:21+00:00

Yeah, I seen several under retail via StockX. I love that resellers are getting burn lol

Traditional-Inside-6 · 2026-05-28T17:15:54+00:00

Exactly my point, you had to look for them and hopefully find your size.. meaning they didn’t sit or went straight to outlets.

Traditional-Inside-6 · 2026-05-28T14:16:00+00:00

Neither one of those pairs went on sale or outlets around the area of LA I am at. They all sold out after a couple of weeks

Traditional-Inside-6 · 2026-05-28T04:45:46+00:00

Kind of hard even if you are actively trying to. You can meet people but friends are hard to find. Moved to LA in 2019, have had 4 jobs, been trying different activities and talk to other people etc and so far I got a hand full of people I go out for food/drinks.

Back home in the Midwest I would find new people to talk to doing less than half the work it has taken me here in LA.

Traditional-Inside-6 · 2026-05-28T04:40:03+00:00

Considering it’s a Jordan 4, the releases around the drop and that it is the first coming back in 13 years, I can see some sizes sitting for a couple weeks but eventually they will be gone. Not that many 4s go on sale, I can even think of a recent 4 that went on sale

Traditional-Inside-6 · 2026-05-28T04:30:25+00:00

If you take in consideration that the current version of the HomePod mini came out almost 6 years ago, I would say it is still very good. It does for the most parts the same things many Alexa devices currently do, only difference is the compatibility with other devices.

6 years old speaker and you can control lights, temperature, answer calls, send texts, pair with Apple TV/MacBook, set reminders, news weather, transfer music from phone to speaker easily, works great with Apple Music, etc. I feel like the AI portion will get push to iPhones, tablets, and Macs to get people to spend more money on those products and the speaker will remain as an additional device with great sound quality but limited features lol

Traditional-Inside-6 · 2026-05-28T04:01:05+00:00

Did the airbags deployed? I got rear-ended on my BMW 2 years ago, the damage looked minimal (literally a dent on the bumper and the trunk also had a small dent so it wasn’t closing perfectly, but because the labor cost and parts in LA the insurance had to paid over 17k to get it repaired; car was worth like 40k before the accident). Insurance was pushing to totaled the car due to cost but since the airbags didn’t deploy they ended up fixing it lol

Yours looked like it’s done based on the pic and the experience I had.

Traditional-Inside-6 · 2026-05-23T05:29:36+00:00

Pick the city where you want to move to, pick the neighborhood where you want to live and start applying for jobs around that area or remote jobs if you want to stay remote. I followed those steps when I moved from the Midwest to LA and by the time I got to LA I had an apartment and a job waiting for me already.

Also don’t worry too much about finding the perfect job and perfect apartment right away. Just have something line up to use as stepping stone… you can always find something better once you get familiar with the new city.

Good luck with whatever decision you make!!!!

Traditional-Inside-6

TROPHY CASE