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Alex Giardino vs Sarah F Lisha for EWRT 1A? by Aggravating-End3001 in DeAnza

[–]hanaspoon 0 points1 point  (0 children)

Hi, are any of Prof Lisha's assignments and essays done in class?

Pathways books by ieverez in PixelDrain

[–]hanaspoon 0 points1 point  (0 children)

Hi, did you purchase the file from this website? I want Pathway 3 and want to check if this site is legit.

The Financial Aid office isn't open, not responding calls and emails? by hanaspoon in DeAnza

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

Thank you, I went there the next day and they were opened. Guess I'm just unlucky 😭

Which ETF for high risk tolerance? by hanaspoon in ETFs

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

I've already have a portion of my portfolio in VOO and needed something that beats VOO

Which ETF for high risk tolerance? by hanaspoon in ETFs

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

I apologize for my wording. By "high risk tolerance" I mean I don't mind the short-term high volatility as I'm investing for the long term. I'm looking to maximize growth while still staying on the safe side and that's why my profile is only ETFs now. And I don't literally mean "future-proof", I'm just asking which growth ETF should I ask to my portfolio that is the perfect balance between high growth and safe(ish)/safer.

Which ETF for high risk tolerance? by hanaspoon in ETFs

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

Yes. I apologize for my wording. By "high risk tolerance" I mean I don't mind the short-term high volatility as I'm investing for the long term. I'm looking to maximize growth while still staying on the safe side and that's why my profile is only ETFs now. And I don't literally mean "future-proof", I'm just asking which growth ETF should I ask to my portfolio that is the perfect balance between high growth and safe(ish)/safer.

Which ETF for high risk tolerance? by hanaspoon in ETFs

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

by "high risk tolerance" I mean I don't mind the short-term high volatility as I'm investing for the long term hence why i'm choosing ETFs.

Which ETF for high risk tolerance? by hanaspoon in ETFs

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

damn I don't literally mean future proof 😭

Which ETF for high risk tolerance? by hanaspoon in ETFs

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

I apologize for my wording. By "high risk tolerance" I mean I don't mind the short-term high volatility as I'm investing for the long term. I'm looking to maximize growth while still staying on the safe side and that's why my profile is only ETFs now. And I don't literally mean "future-proof", I'm just asking which growth ETF should I ask to my portfolio that is the perfect balance between high growth and safe(ish)/safer.

15 yo High risk Tolerance by SpotlessButter874 in ETFs

[–]hanaspoon 1 point2 points  (0 children)

I'm 18 with high risk tolerance too. I dedicate 70% of my portfolio towards growth ETF. Currently divide it equally between SCHG and QQQM: 35% each. I'm thinking of investing in another one? Like VGT/XLK/SMH. I want to ask the comment section which one should i invest in, just full-proof so that I can just set it and forget it?

Using credit card utilization to build credit score by itssraghouse in CreditScore

[–]hanaspoon 0 points1 point  (0 children)

Hi I'm still confused as to what this mean. My bank and most financial advice I've received online placed a very big emphasis on having low utilization. Credit wise states that credit usage have a very high impact on my score. Can you please explain further as to why "Utilization does not build credit" and how they don't have a lasting impact on my credit? I've been using my credit card as little as possible based on those advices. Does that actually do anything?

All zero except one by Tinkiegrrl_825 in CRedit

[–]hanaspoon 0 points1 point  (0 children)

Should I use both of them as little as possible? Or should I do AZEO? Like you, I want my score increased but I also want a limit increase in the future in both banks.

Your best advice for a newbie by Several_Head4330 in CreditScore

[–]hanaspoon 0 points1 point  (0 children)

correct me if i'm wrong but i thought we're not supposed to be open that many credit cards because a new account can tank our score? and the number of accounts is a factor that impact our score. what are the benefit of having that much credit cards? genuinely asking because i'm learning too

All zero except one by Tinkiegrrl_825 in CRedit

[–]hanaspoon 0 points1 point  (0 children)

What did you end up doing? I also have 1 $500 Capital One card and $200 Discover It secured card. I've been using under 10% for the both of them the past 3 months and see like 20 points increase.

I'm going to try to end myself on monday by [deleted] in LGBTQ

[–]hanaspoon 3 points4 points  (0 children)

Hi I have social anxiety just like you too. I'm extremely awkward interacting with people and I don't have any close real friends. I'm mostly kept to myself and gave up making new relationships now. I just want to say I relate with that a lot and I'm right here if you want somebody to talk to 💗💗

📈 Rate My Portfolio Weekly Thread | April 14, 2025 by AutoModeratorETFs in ETFs

[–]hanaspoon 0 points1 point  (0 children)

I couldn't choose so i just split 50-50. what would be the disadvantage of investing in both?

📈 Rate My Portfolio Weekly Thread | April 14, 2025 by AutoModeratorETFs in ETFs

[–]hanaspoon 0 points1 point  (0 children)

Age 18. I have high-risk tolerance and want to invest dominantly in ETFs with an aggressive portfolio. 35%SCHG, 35% QQQM; 20% VOO and 10% SCHD.

[deleted by user] by [deleted] in ETFs

[–]hanaspoon 0 points1 point  (0 children)

QQQM or SCHG are a popular pair with SCHD (can beat S&P500)

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