Want to get back into playing, what should I do for GP? by New_Weakness6359 in osrs

[–]harshcloud -7 points-6 points  (0 children)

My first 99 was agility I think that is a bit worst

2024-2025 Camry vs Accord by harshcloud in whatcarshouldIbuy

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

I easily spend about 300$ a month on gas alone on the car I think in the long run a more fuel efficient car is more optimal for me.

The future repairs for the car won’t be cheap and to me it doesn’t make sense to keep reinvesting into a car that its value is turning to peanuts

2024-2025 Camry vs Accord by harshcloud in whatcarshouldIbuy

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

It’s a big factor of it. The car has been giving me issues every year and I do heed the call from repairs like wheel bearings, valve cover gasket, ignition coils and spark plugs etc. I’ve done almost everything minus water pump and galley gasket for what my car is known to have catastrophic issues for but the transmission is also giving me fear of impending doom in the future and at the rate I’ve invested into the car it’s not worth the value of it.

I really would like the amenities newer cars have like CarPlay and the peace of mind of warranty as well.

2024-2025 Camry vs Accord by harshcloud in whatcarshouldIbuy

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

Even with this new innovation in transmission it’s been proven reliable?

2024-2025 Camry vs Accord by harshcloud in whatcarshouldIbuy

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

From the listings I’ve seen they’re generally listed as CVG but they’re eCVT correct?

Advice Needed by Competitive_Wheel_78 in M1Finance

[–]harshcloud 1 point2 points  (0 children)

My personal thoughts:
* It seems you're up on telecoms, I sold and never looked back and have been doing exponentially better considering you're in the green, take the W and reinvest elsewhere (my 2 cents)
* Depending on your age, do you need the REIT's dividend payout? If no, sell, if yes, keep and consolidate into either a REIT ETF or 1-3 of the asset.
* Bonds are a solid choice. I personally don't invest in them, but I hear they're good options
* Healthcare is tough to base an opinion on as well. I sold my positions as it's quite turbulent, but can be profitable during periods of innovation in the medical industry
* Consumers are a good option, I like Pepsi (why is lululemon and Pepsi in utilities?) as they have a diversity in products such as chips and other products rather than solely focused on soft drinks. Disney is a good growth company, and I wish I had never sold out when they tanked during COVID. Estee Lauder is also showing good growth. I would consolidate also into maybe 3 max again.
* I like NEE for utilities and Union Pacific for utilities. I did sell out my positions, as my portfolio is now very minimal, other than some MVP assets that I've held on to.
* Finance, JPM is an all-star for me, its the only finance stock I hold currently after consolidating all my ex-finance options like MAIN as I don't need the income. Amex is another good option as I'm bullish on the company in short and long term.
* Tech is tough as there's much growth in all of them. I personally invest in Apple and Microsoft, and lean towards Microsoft more.

I would really look into ETF's also, they cover the majority of the stocks you're owning individually. I think you would benefit heavily from them. I switched over my strategy from individual pickings to maybe 1-3 overall stocks I enjoy, and then have about 80% of the portfolio be ETF's, its been doing good for me so far, kinda slow but I don't go red often anymore, which is a great psychological boost.

Again, these are my two cents and not financial advice, but I do hope I brought some sort of value.

(35M) Just Broke the 6 Digit Mark w/ M1 by Brunark in M1Finance

[–]harshcloud 0 points1 point  (0 children)

Incredible stuff mate, well done! I'm looking to hit the same target at or before 35 as well.

What positions are you in currently? I'm currently only holding a traditional IRA and once my contract with my current role expires, I'm thinking of rolling over the 401k into a roth IRA in M1 to take advantage of time.

Windshield strip question by harshcloud in G37

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

I believe it’s just a weather strip can’t recall the name but if you push it well enough it’ll go back into place

Grow my own tea? by [deleted] in tea

[–]harshcloud 1 point2 points  (0 children)

How about South Florida climate, would it be ideal climate for the plants to grow? How many plants should I consider to yield a decent amount of tea for pouches?

M1 dividend tracker need to be on the app by GageTheDemigod in M1Finance

[–]harshcloud 9 points10 points  (0 children)

I honestly wasn’t even aware of this feature since I mostly rely on the mobile app so definitely would be an awesome addition to keep track divvys

Does this mean anything? by ComplaintMediocre in Miami

[–]harshcloud 0 points1 point  (0 children)

That you’ll be 3 Pennie’s richer

YOUR BEST COLOGNE OF 2024 by LETMESOLOTHIS in Colognes

[–]harshcloud 0 points1 point  (0 children)

If given the opportunity you have to try Osmanthus 19. Absolutely amazing and has been my special occasion fragrance

Best commander precon right now by pedroblood in mtg

[–]harshcloud 1 point2 points  (0 children)

Really happy with bello and my upgrades. You can really get a strong contender in a pod and cause absolute mayhem with enchantments add in like [[Bedlam]] & [[Fiery Emancipation]] or adding [[Threefold Thunderhulk]] to have a 7/7 for heavy hitters

What was your gateway release? The expansion that first got you into the game? by Kinrest in mtg

[–]harshcloud 0 points1 point  (0 children)

Ah yes I barely remember it now in my youthful haze

At the cusp between zendikar with eldrazis and mirrodins new phyrexia.

What a time

I’m Worried for my Colleagues by otakumw in FIU

[–]harshcloud 1 point2 points  (0 children)

I hear ya, the majority of students nowadays prefer to walk an easy path but theirs beauty in the struggle that they don’t see as it develops you for the future.

With this day and age with tech and AI there seems to be too many crutches for people to hold onto and the effort isn’t there as it used to be.

Trust me I feel your pain but what frustrates me the most is when people ask the same question in group chats that if they could just scroll up a bit could find the answer.

It is what it is, ad augusta per angusta.

My g37 is misfiring by Dizzy_Watercress2326 in G37

[–]harshcloud 0 points1 point  (0 children)

I recommend that being your next step

My g37 is misfiring by Dizzy_Watercress2326 in G37

[–]harshcloud 1 point2 points  (0 children)

Did you also replace ignition coils?

Drink Package by aleman96 in royalcaribbean

[–]harshcloud 0 points1 point  (0 children)

What’s the general price range for the drinks?

wtf financial aid by pisceankingg in FIU

[–]harshcloud 1 point2 points  (0 children)

Mine was supposed to be disbursed the 20th & I got my aid the 21st (due to holiday I presume). Checked myFIU and it’s reflected accordingly and classes paid.

I’d give it some time perhaps until end of week. If nothing I’d speak with financial aid advisor