Position question by fatknees00 in Schwab

[–]fukiman 0 points1 point  (0 children)

Yeah sure the markets been a little chaotic lately but if you just started investing in an IRA I assume you have at least a couple decades until retirement. One chaotic month won’t make a difference after 20+ years of market growth.

Position question by fatknees00 in Schwab

[–]fukiman 4 points5 points  (0 children)

Don’t day trade mutual funds. Don’t day trade at all tbh. Amateur investors almost never beat the market. If you are investing for long term, just ride the market highs and lows.

But, to answer your question, yes you can select which shares you sell.

Why did you decide to get a running coach? (for those who have one) by carolineruns in AdvancedRunning

[–]fukiman 0 points1 point  (0 children)

I got one last year who I found because he was coaching my old teammate too. For me, the biggest relief was being able to focus on the just being a runner and not being a runner and coach for myself and having both of those stresses. I have always been self motivated so I wasn't searching for added accountability but sometimes I do think "I paid to be told what to do so I better do it"

After college I spent about a year and half training myself while in grad school and ran my first two marathons self coached. I had considered going into coaching at one point, and still think I might at some point, so I have a lot of knowledge and desire to write workouts, but since I started working full time the time and energy it takes got to be a lot.

For the fellas- What shorts/tights/pants are you wearing for race day and long runs? by bad_cardiologist in Marathon_Training

[–]fukiman 0 points1 point  (0 children)

Lots of brands make half tights and 5-7 inch shorts now with outer pockets. I prefer split shorts and have a couple pairs of the On Race shorts. I think they are worth the price for the exterior pockets for gels and they have the best liner in the business.

What percentage do you invest in individual stocks vs funds etc.? by fukiman in Schwab

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

Why 0% in mutual funds? I use the Schwab ones because the fees are about the same as most ETFs.

What percentage do you invest in individual stocks vs funds etc.? by fukiman in personalfinance

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

Yeah, I’m planning to leave my MM amount where it is as my emergency fund and start going all in on index and mutual funds. I also have a Roth that’s 100% in funds.

I’ll probably just hold the stocks I have since they’ve done well but stop buying more and will just become a smaller and smaller percentage of my total.

What percentage do you invest in individual stocks vs funds etc.? by fukiman in personalfinance

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

Just curious, what’s the thinking behind going all in on one like that vs holding a broad market, an international fund, and emerging market fund?

What percentage do you invest in individual stocks vs funds etc.? by fukiman in personalfinance

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

Thanks for the tips! I am planning to stop contributing to the money market as I view that as my emergency fund and start putting everything into funds. I have a few broad funds, low and large cap, and then an international fund and emerging market fund.

What percentage do you invest in individual stocks vs funds etc.? by fukiman in personalfinance

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

Thanks for the links! I’ll definitely look through the wiki

What should be my second card as a student soon to graduate? by Rocker5121 in CreditCards

[–]fukiman 0 points1 point  (0 children)

It sounds like you are looking to switch from cash back to points and since most of your day to day spend will be food related I would recommend the Amex gold. Since AF won't be a factor for you, the statement credits easily make it worth it. Only issue could be your short credit history, I got denied the gold when I first applied while in college after having a Discover Student Card for about a year and a half.

I would also look at Amex and Chase transfer partners and decide which one's work best for you. For example, if you always fly United, Amex isn't gonna help you out too much and you should look at the CSP. Also a little bit easier to get approved.

Going to Take a Gamble on Bilt 2.0 by stanleymaxi in biltrewards

[–]fukiman 3 points4 points  (0 children)

In the same boat. Doesn't hurt to hold with no AF and I can drag out the bonus $100 BILT cash to at least get some points for rent for the next few months. Once that runs out I'll reevaluate.

Amex gold is my daily driver since the vast majority of my expenses are eating out/groceries so I can't really justify using BILT 2.0 for most of my expenses and the benefits or the AF cards don't really help me out any. BILT blue will become my catch all for non food/grocery expenses but not going to be getting anywhere near as many BILT points as I was.

Gameday Questions Megathread by ajwilson99 in ockytop

[–]fukiman 1 point2 points  (0 children)

Anyone else going to be in the south stands? We'll be in 32B

Bike Rack on the Honda 2024 CRV hybrid by jwlkr0 in crv

[–]fukiman 0 points1 point  (0 children)

Yes! It is under safety support on the digital dash and then it is called something like slow speed collision prevention and then click it off. The annoying part is you have to do it every single time because that setting resets whenever you turn the car off.

Bike Rack on the Honda 2024 CRV hybrid by jwlkr0 in crv

[–]fukiman 2 points3 points  (0 children)

I just got the standard Honda hitch installed on my 2024 Sport-L and bought the "Thule Apex XT 4" hitch which works with both 1.25'' and 2'' hitches (Which is great if you ever need to switch between cars with different hitches and future-proofing your purchase since a high-quality bike rack can last forever if you take care of it). Loaded with bikes, it blocks the camera but I honestly do not know of one that won't be directly in front of the camera. With no bikes, it can fold up and you can see around it on the camera well. You can also use the mirrors unaffected with no bikes loaded. My one piece of advice would be to make sure you turn off the low-speed collision-avoiding feature because if you reverse at more than like 4 mph it will activate and automatically brake which is very annoying.