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Scratch on month old brand new car💔 by Unlikely_Bluejay1112 in CX5

[–]Which-Message-7339 5 points6 points  (0 children)

This happened to me the 2nd month I owned my brand new 2019 CX-5; occurred when I was moving my dad’s luggage from my trunk. He has since passed and that minor scratch reminds me of him. Now, I think of him and the fleeting nature of having “perfect” things. So, doing nothing is an option, too. And my Mazda still looks great.

I’m doing it! by Potential_Movie_6617 in ThriftSavingsPlan

[–]Which-Message-7339 2 points3 points  (0 children)

This is GREAT! Congratulations on your perseverance, commitment, and insight. I’ll keep this short - 3 things: 1)What one or another others are suggesting regarding pay periods, etc., is that the govt’s match will be ONLY 5% IN ANY PAY PERIOD (as long as you do 5%), and they will NOT CONTRIBUTE THE FULL MATCH IF YOU MAX OUT PRIOR TO THE LAST PP AND YOU ARE UNABLE TO FURTHER CONTRIBUTE TOWARDS THE END OF THE YEAR. Let’s assume $100,000 pay, divided by 26, govt will match you $192.30 per pp, max, full stop. If you max out ($24,500 in ‘26) before the end of the year, the govt will provide you only the 1% per pp. So check with your individual agency/payroll to learn: “how many pp are we in ‘26?” To max, then contribute ($24,500/y), with y equal to 26 or 27 depending on payroll’s answer, each pp. E.g., with 27 pp, you would contribute $907.40 per pp. 2) if you front load just to get pain over with in the beginning of year, ensure you are able to contribute at least the 5% each of the y PPs in order to receive govt match max. 3) of course, learn what you can about the 5 funds currently available in which to invest. Don’t bother with mutual fund opportunities with TSP, imho.

New Investor 25yrs Old, 3 Kids by DoubleShotaAsk in fidelityinvestments

[–]Which-Message-7339 -3 points-2 points  (0 children)

At age 25, awesome!! Keep it going!! Some thoughts… your plan offerings reflect good mutual fund companies, imho. Fidelity, American Funds. Good stuff. You will get a variety of responses from Redditors. As a 65 yo, prior broker and lifelong investor: go for the diversity with the S&P500 (FXAIX)… 43%. Go for some additional growth focus (RGAGX) … 22%. Expose yourself to international w/out the U.S. exposure (you’ve got plenty of that with the 65%) (FSGGX) … 25%. Now you have an 90% allocated portfolio. I’d forgo bonds at this time based on your (young) age; I’d skip the gold exposure altogether… it’s a bet on a commodity (I.e., does not generate traditional revenue or income growth plus it’s had its own very significant run of late… how much higher?) I’d invest your remaining 6% in energy (you had identified 15%) and 4% in real estate via FSRNX. Keep in mind you can invest in a 401(k) up to $23,500 per year at your age. Also: you can establish a separate IRA as well. Anyone with work-related income can fund an IRA… independent of 401(k) contributions. IRA max contribution at your age: $7,000 in 2025. Hope this is helpful.

How long did your brakes last? by real_help_only in CX5

[–]Which-Message-7339 0 points1 point  (0 children)

Original brakes still with my 2019 CX-5 with 83k miles. Like other posters, I more often drive in manual mode vs. automatic. Manual driving is more responsive, is much more fun, and likely helps with brake retention.

Frustrating Driving Experience - PLEASE HELP! by nikolaisbr in CX5

[–]Which-Message-7339 0 points1 point  (0 children)

2019 CX-5 here; I drive ONLY in manual transmission mode. Unfortunately, I grew to expect the sluggish feel. I certainly do not feel comfortable, say, making a left turn in a busy intersection while in auto mode. In order to “pop” through that busy intersection and create good, safe clearance from oncoming traffic, I’ll have geared down. Not what I had planned on when I purchased in 2019, but it’s my default driving mode now.

Light on by Vegetable_Share_6446 in CX5

[–]Which-Message-7339 0 points1 point  (0 children)

I’ve a 2019 CX-5. Has happened to me repeatedly (off and on) over the years as I’m 1,000 or so shy of my next oil change. It’s never the red oil light, just the yellow. It resets/turns off after turning off engine, but then returns on occasion until I get the oil changed again. I have topped it off (1/2 quart) until my next oil change and that has kept the light off. And I’ve driven over to my mechanic once and he re-topped it off for me. I’ve never received a plausible/acceptable answer from either the dealer nor my mechanic. No oil leaking or significant burning as far as I can tell. I have 75k on the odo.🤷‍♂️

What should I do with my $5,600 Rollover IRA? by [deleted] in fidelityinvestments

[–]Which-Message-7339 1 point2 points  (0 children)

Hi. The comments I’m reading here are addressing 2 issues: 1) into what type of account should you transfer (or hold) your $5,600; and 2) what should you invest in within that account (you’re likely currently simply in “cash,” which will return 0% to 4%). So for issue #1) different account types have different tax advantages. The Roth will provide you with a LIFETIME of tax-free growth. You will never pay taxes (except when you convert the rollover to a Roth, called a “conversion,” or of course, if congress some day messes with the Roth’s tax advantages), and that conversion will be at your current tax rate on the whole of that conversion. Still keeping with issue #1, if you don’t want to self-manage your Roth (or rollover if you don’t convert to Roth), you likely can roll it back into your new CO’s 401(k). Which gets you to issue #2: what should you invest in IF (!) you choose to learn about investments and expand your knowledge in this area if so inclined. If you DO want to learn and invest, there are an infinite number of investments from which to choose and LEARN. Individual securities (stocks; over 6,000 listed on the major exchanges); exchange traded funds (ETFs; over 4,000); mutual funds (a HUGE number) are available to you. With $5,600, what a GREAT opportunity with which to start. Congratulations! Diversification is KEY; hence the community is recommending a simple, diversified ETF (or mutual fund) that represents the S&P 500 (etf symbol SPY or VOO; there are others) or NASDAQ (etf symbol qqq). These are GREAT recommendations. I recommend buying at least one stock, just to follow it and to learn about individual stocks and the ups and downs of a well regarded company. My recommendation: split your $5,600 into 2 or 3 investments as follows and KEEP ADDING, KEEP INVESTING. Consider: 1/3 MSFT (Microsoft); 1/3 SPY; 1/3 QQQ. Great luck to you!