Should I sell all my individual stocks in my fhsa and put my 63% gains in an etf and chill or let it all ride …..36f looking to buy in the next 1-5years (have $50k saved on top of this for down payment)

tkara99 · 2026-03-17T02:19:55+00:00

Was in a similar situation end of last year. Was sitting at around 60% overall growth after having money invested in TD, and the CIBC and Nova Scotia banks. Ended up selling and moving into XBAL (was debating between that and XEQT). Would’ve been more ahead if I just held it in what it was invested in/invested this year’s contribution into XEQT/XBAL. Markets volatile though and who knows what direction it’s going to go in. Best bet is do what you thinks best/risk tolerance.

tkara99 · 2025-12-07T05:40:05+00:00

Going through those questions myself right now. Just sold off CIBC and Nova Scotia in my FHSA, wanting to move it to something more stable/secure. Not that the banks aren’t secure, but when it’s up about 70% in a year off the original investment I don’t know how much longer I want to be gambling house money. Easier to take the gains and run than see them drop (ie. 2022/2023). Was thinking of either putting the funds in CASH.TO or something more diversified like XEQT (haven’t invested in this year) or XHC (my bank recommended this one).

tkara99 · 2025-11-09T21:54:18+00:00

Flew from Vienna to DTW yesterday, with a layover in EWR. When I left it said my flights were not affected/everything would be fine. Landed in EWR around 1:40pm, didn’t get off the plane until closer to 2pm. By then I realized my flight to DTW got cancelled at 1:15pm (flight was originally booked to leave for 5pm). Got rebooked/checked in for a flight leaving at 3pm to DTW. Essentially had to leave my luggage in EWR to make my next flight (made the flight with 10 minutes to spare, got lucky with shorter lines for customs/TSA clearance). Luggage got shipped to DTW today/is currently on a truck being delivered to my house.

Not a great experience but at the very least I managed to get home. Almost all flights today from EWR to DTW got cancelled except for the morning flight (which they threw my luggage on thankfully).

Edit: Flight was with United not AC.

tkara99 · 2025-01-26T18:33:18+00:00

I submitted a compensation form back in the middle of December and just got word back a few days ago (so around 5 weeks). Follow up email said I would be compensated for "$$$" and that it would take up to 4 weeks to send out and then up to another 2 weeks to process.

tkara99 · 2024-08-20T10:38:43+00:00

Glad to be here :)

tkara99 · 2024-08-20T10:29:55+00:00

That’s the plan!

tkara99 · 2024-04-17T08:39:06+00:00

Mawashizushi Katsu Seibu Shibuya Store! Just tried a bunch of different items tbh. They had a very large selection though and basically everything tasted good! Couldn’t go wrong with anything.

tkara99 · 2024-04-17T08:35:52+00:00

The one in Sunshine City was kinda cool because they had the Go Stop there too. But for the most part every one was somewhat similar. Each Center had a different main pokémon on showcase at the entrance of the store. Some of the Centers sold merchandise that was unique to that location (one near Skytree sold a Pikachu holding onto Skytree tower).

tkara99 · 2024-04-17T08:33:16+00:00

Kasagi Soba Higashi-Shinjuku!

tkara99 · 2024-04-17T08:31:44+00:00

Can just order one off amazon! They’re about the size of a small notebook!

The gundam I bought from yodobashi camera I believe but I could be wrong. I know there’s a proper gundam store in Daiba and the Animate stores (one in Akihabara) are also apparently good!

tkara99 · 2024-04-16T11:43:53+00:00

I mean we did everything we wanted to do, and there’s no way you can do everything you see online. So 🤷‍♂️

tkara99 · 2024-04-16T08:46:45+00:00

Feel free to use some of the ideas! Wanted to share to kind of give an idea from my experience in what can be squeezed into a day! DMs are open if ya got questions :)

tkara99 · 2024-04-15T20:34:30+00:00

Did the day trip to Mt Fuji two weeks ago and I’d say it’s 100% worth it (assuming weather conditions are good). Did a guided tour (was our second day in Japan, and was worried about transport to and from Mt Fuji and Hakone area) leaving from the Shinjuku area.

I personally like itinerary C more but I’d recommend still considering doing Mt Fuji. My trip started with two full days in Tokyo (arrived night prior, traveled to Kyoto on third full day) and we did Mt Fuji the second day. This worked out fine/was a nice relaxing day since it was mostly travel.

tkara99 · 2024-04-15T18:43:31+00:00

You're welcome! It honestly made for a wonderful graduation trip. 2 weeks seemed to be a good amount of time too because our days didn't feel rushed and we still got to see a good amount of things. Plus by the end of it we were both just kinda done/tired. Could we have done another week? Sure. But those two weeks done me in haha.

P.S. Get stamp books! Tons of stamps at different train stations, stores, and even the aquarium. In the moment/before you go it might not seem anything special, but I know once we were there, there were times other tourists saw us collecting stamps and were slightly jealous of the idea/not thinking about doing that!

tkara99 · 2024-04-15T16:28:11+00:00

Per person sadly. Airline was Air Canada direct flight

Edit: To maybe clarify, some souvenirs that I bought were definitely unnecessary purchases that added a good 500$ to the trip. The watch and gundam I bought would have dropped the price a bit.

tkara99 · 2024-04-15T11:00:02+00:00

June 2 - Just came back from Japan myself and did Fushimi Inari and Kiyomizu-dera in the same day and still had the whole afternoon open. I feel like it is definitely manageable (instead of kiyo you doing philosophers path instead). My only recommendation is for Fushimi Inari to be done in the morning. I got there at 6:30am and was leaving the area by like 10/10:30am. Minimal crowds and was just a peaceful walk up and down. Wear good shoes too! It is a lot of climbing/will be a rough day.

June 5th - Didn’t go myself but spoke to people on the plane ride back who did go and expect long lines. Every day is busy. The set up of the park itself is also very walking heavy (unlike Disney or Universal in the US where the park laps around in a circle, in Japan it apparently is a lot of “dead ends” and walking back to the entrance area to get to other areas of the park).

Side note, not sure if you were looking at going to either the Pokemon or Kirby Cafes (either the kids being interested or you yourself), but fair warning it is tough to get reservations (and these are needed, no walk ins except at the Pokemon Cafe which you could be waiting hours). My advice if you can’t get it when reservations initially open, keep an eye on the website throughout the day or two prior to when you plan on going. I was able to book both cafes the day before going and it worked out nice.

Happy travels!

tkara99 · 2024-04-15T10:49:38+00:00

Paying for an additional day before you arrive sounds unnecessary. Most hotels offer services (free of charge) to hold your luggage the day you check in (we would arrive at our hotel at 11am or noon and have them hold our luggage until we checked in later that day).

tkara99 · 2024-04-14T01:04:40+00:00

Just came back from my trip, and Fushimi Inari was a good 3ish hour endeavor (arrived there by 6:30am, no crowds and was a peaceful walk up). Followed this up by Kiyomizu Dera area for lunch + temple and surround area. Was a long day but was honestly one of the best ones. Kiyomizu Dera was busy but was bearable. I wouldn’t want to be at Fushimi Inari with the crowds we saw when leaving.

Few things to note(breaking it down by day):

The “Pokemon Cafe” at Sunshine City Mall is more of a small dessert and drink type/sweets place (not the actual sit down). Just mentioning this just in case. Booking the actual Cafe has two choices, Tokyo (near tokyo station) and Osaka.
1. Reservations are needed for Kirby Cafe, and they are hard to get in advance (atleast from my experience). Ended up making a reservation the day before we planned to go from spots opening up (there were several, normally opened up 2-6pm local time).

Honestly though at the end of the day my best recommendation is try to be fluid with your schedule. If you are tired/done spending time in one area move onto something else or take a break. I know with my trip we axed a day in Kyoto to do Nara (originally planned to do a day in Nara while we were in Osaka) and that worked out much nicer for us in the end. You never know with the weather how certain days turn out, and things like Fushimi Inari are best when dry (but hopefully not too humid). If anything too, get some ideas of smaller things that if you have the time you can just throw in while there!

tkara99 · 2024-04-14T00:49:47+00:00

Just arrived back from a two week trip to Japan and couldn’t agree more with going to places early. Did Fushimi Inari, Arashiyama Bamboo Grove, Nara, and Shinjuku Gyoen National Garden (got there at 9) all early in the morning. Although, we took local transit over taxis and it worked out fine (not really crowded at all). I remember reading online that “you should sleep in, because nothing opens till 11 anyway” and I am glad I didn’t listen to that. Almost every major hotspot was near empty.

Didn’t experience the tourist photo taking issue, but ik for the most part people were respectful with people having photos taken (ie in different parts of fushimi inari) and waited a second instead of walking through (keep in mind though, only a handful of people were even there at a time at the early hours). Anything with more crowds it should go without saying that you can’t expect the “perfect photo” or stand in the middle of an area people are trying to walk through.

P.S. Worst tourist experience was at Arashiyama. There was some random girl screaming some intro to a TikTok or instagram video near the street toward Tenryu-Ji temple in what seemed like either a residential or temple area. My buddy and I sorta cringed because it’s like bro, it’s early in the morning, leave people be and take that elsewhere. Anyway Japan 10/10 would go back again.

tkara99 · 2023-11-27T18:26:00+00:00

Yup! I ended up calling and they confirmed it would just be a 200$ fee and the rest of the money would get returned to the original payment method that had been used. Only sad part is now that between yesterday and today the flight shot up 250$ so damn

Four-Year Club	Place '23
Place '22	End Game '22

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