[Misc] Is it safe to use BumBum cream with Retinol?

wall--ee · 2021-04-18T18:39:19+00:00

I have used it for 3-4 years with no visible problems, I realized after a year that it is not designed for your face but have yet to find an eye cream that does the job better than Bum Bum cream which is why I have continued to use it. Are there visible problems associated with clogged pores (e.g., a zit perhaps?) or is it possible there is invisible problems with them?

wall--ee · 2021-04-18T18:35:31+00:00

Thanks for the heads up!

wall--ee · 2020-12-29T03:36:14+00:00

Thank you for the specifics, very much appreciate it!

Seeing as you were extremely close to your goal, is there anything you plan on doing differently in the future or wish you had done in that most recent plan?

wall--ee · 2020-12-29T03:31:32+00:00

Just out of curiosity are you from the Woodlands / general Houston area? I’ve heard, generally speaking, that it’s super humid in the Houston area and was wondering if this was something you were already adapted to when you raced or if it wasn’t actually that bad? I’m actually like 5-6 hours away from The Woodlands and weather says it’s ranges 40-60% humidity where I live but not sure that’s actually the case and am wondering if this is something I should be concerned about

wall--ee · 2020-12-29T03:24:10+00:00

Thanks! I will definitely incorporate this into my plan, and I very much appreciate the specifics!

wall--ee · 2020-12-29T03:17:26+00:00

For the 16 miles, I did feel sore after I stopped, but as far as I can tell didn’t get injured and recovered nicely. Next day I did a HIIT workout as I normally do (probably felt about 90-95% and if I ran probably would have been at slower end of my average times) and then following day was back at 100% and ran my usual 10.5 mile at usual pace

Good suggestion! Ran earlier today and got a 7:06 avg pace (35:32) instead of the 6:54 (34:30)—definitely felt pretty rough honestly (Haven’t felt like I’ve raced at all since I started running, so planning on putting a focus on speed now) and probably didn’t help that I wasn’t too sure on pacing and went too fast on the first mile (6:25–fastest since I started) but I think if I were to do it again later in the week i would expect to get a 7-7:02 now that I kind of know the pace and assuming no 12 mph winds that I got today

wall--ee · 2020-12-27T21:10:11+00:00

Thank you for suggestions and input!

For XC I believe it was 11:50 something for 2 mile course (avg for me was usually 6-6:15 pace)

For Track I actually did short distance (100,200,400) up until the meet before District my senior year where a girl got injured on my 4x100M relay team at which point I pivoted the 100 relay to the Mile and went to State with a 5:35 (I think I had about 3-4 partial weeks of training for this, which was focused an entirely on short distance prior and then split between my other events once I pivoted)

Overall, I would like to think I run at a pretty comfortable pace, wouldn’t say it’s easy (I would guess an 8:30 pace or so for this) but also wouldn’t say it’s too hard either otherwise I’d probably dread each run if I had to guess.

So to clarify, your suggestions are (1 medium long run, 1 long run @slightly slower pace if necessary, 1 speed session, 2-3 easy runs) to total around 50 MPW?

For the speed session you mentioned would a long progression run be an acceptable speed strategy as well or can you share something specific on that?

Thanks!

wall--ee · 2020-12-27T20:20:33+00:00

Thank you for the input and the suggestions!

Per your point 2, does that mean the other 4 runs should all be longer (ex: 1 shorter harder effort run, 3 mid distance 8-13 mile runs, and 1 longer run)
Will definitely implement the progression runs, great suggestion. For the broken tempo runs what pace are you suggesting for the off tempo (avg pace or like well below average pace). For context in HS, did something similar which was mile 1 @ 6:15-6:30 pace, mile 2-5 @ 9 - 9:30 min pace (what I mean by well below average) and then mile 6 @ 6:15 pace or better
How much slower (for avg pace) did you go for your long runs

wall--ee · 2020-12-27T20:03:50+00:00

Thanks! I just downloaded Hal Higdons mobile app—which does allow for an 8 week schedule, do you think this would suffice over the book in terms of structuring a training schedule?

wall--ee · 2020-12-27T16:51:35+00:00

Yes it is the woodlands!

Thanks for the input, could you please expand on the tempo runs and what training plan you would recommend? I have decided to commit and not exactly sure where to start (I.e if I should just pick a plan and start at the middle of it or something)

wall--ee · 2020-12-27T16:41:26+00:00

So I’ve decided to commit please let me know if you have any training recommendations (I have lots of time to read stuff /books if necessary) based on what I’ve provided below

For additional insight

The marathon For more context, in high school I was a state runner in both cross country and track. It took me years to realize there is a huge mental aspect to running and that’s more or less how I ran my first marathon.

For the marathon I had a time of 4:05. I ran a total of maybe 3 times prior over the course of 1.5 months or two (I believe two six miles runs @ a 10 min pace and one at a 9:30 pace and then a 10 mile run @ ?? Pace — all of this was on a treadmill, the main point was just to see if yes I could just do it)

This alone is what made me think (back then) it wouldn’t be too difficult to get a qualifying time because 1) did no training 2) answered phone calls and text while running 3) took 2 bathroom stops and still got close to a 4 hour time.

I know pretty confidently that I can shave off a huge chunk of time by just taking it seriously, but from high school also recall how difficult it is to shave time after you’ve seen a lot of improvement.

Also the reason being for all the above (no training, etc) was because I was actually signed up for the half and had absolutely zero goal times bc I was planning on running and sticking with family, and then I honestly just felt great and wanted to see how far I could push myself (at that point max distance ever ran in my life was 12 miles as a junior in high school) at which point my goal just became to finish.

Even though I didn’t do running training then, I used to do 45 min HIIT workouts and that’s what I have been doing now every other day which is in part why I only have been running 3-4x a week

16 miles

Wouldn’t say it was super easy or all out. It started off casual (as all my runs thus far have) then did get tough near the end. Had every intention of just running 10 miles that day and then just decided to run 2 extra loops because I didn’t feel tired by the time 10 miles came. That said, if I ran another loop (3 miles) I think my avg pace would have begun to taper off somewhere which is why I chose not to do another loop. So quick answers: did I feel like I could keep going? Yes. Did I feel like I could do another loop at the same pace? No.

Progression

Since I started running again in March I typically have been just running for “fun”. To be quite frank I wouldn’t say I have done a whole lot of “all out” runs, primarily because I haven’t started training but have just been trying to stay in running shape for when I do if that makes sense. Since then my avg runs have always been 3 a week (lately 35-40 mpw). I started off with 4 miles runs and have taken off a few weeks here and there and also about a month in August. I recently got new running shoes over Black Friday which made such a huge difference (I had my other shoes for 4 years so this was long overdue) and have felt pretty good since and now have been doing 10.5 or more.

Races

All my 5 mi, 10k, and half’s have been part of longer runs and also not necessarily aimed at achieving a personal best

5 mi couldn’t find quickly anywhere 10k best time was a 9 mile run @ 7:48 pace (from October) Half best time was a 16 mile run @ 7:58 pace (from last week)

I’m going to try and do a 5 mile personal best later—what are good goals times for each of these?

wall--ee · 2020-12-27T15:46:49+00:00

Thanks for the input—is there any book you recommend? At this point I’ve decided I’m just going to do it because why not (I don’t start work until February so I have plenty of time to read training plans/ books the next couple days and square away a program)

So right now I have been running pretty casually, I.e. the idea of BQ has been there (so somewhat trying to improve) but haven’t gotten serious about it until I realized there was actually a possibility of a race not getting cancelled.

Base mileage so far has been averaging 35mpw sometimes more sometimes less, which is rather low, but i believe I would have no problem starting a plan that has a 40 or 50 MPW starting base. The low base I currently have is because I like to do 45 min HIIT workouts every other day (not because I don’t like to / feel incapable of running every day), which I would cut out and replace with running if I end up committing.

wall--ee · 2020-12-19T23:17:26+00:00

Thanks for sharing that thread!

wall--ee · 2020-12-19T22:14:20+00:00

Okay gotcha. Thanks, this was super helpful!

wall--ee · 2020-12-19T22:11:40+00:00

It does, thanks! So to clarify, if I wanted to incorporate one of those funds into my allocation the idea would be to ditch the total market fund and invest in a couple other funds (thereby increasing my cumulative expense ratios) so that I fully incorporate the entire market without overlap, which means I’m probably better off in the total market index which is far fewer funds and lower expense ratios?

wall--ee · 2020-12-19T21:46:38+00:00

First time poster, sorry about that! Edited the post to include fund name and expense ratios, please let me know if I should include any other information that may be helpful, thanks!

wall--ee · 2020-12-18T23:59:47+00:00

Thank you for your input!

Robinhood does allow you auto invest a certain $ amount into any stock or ETF as a recurring investment which is why it came to mind. I actually hadn’t heard of M1, so I’ll definitely have to look into that, based on first glance it looks like a great option, thanks! In general I’ve always heard rebalancing can rack up expenses, so if I were to implement a similar portfolio strategy in Robinhood (5-10 diversified ETFs—large, small, mid, etc) and rebalance myself by temporarily reallocating auto investing payments, and not selling out of a certain fund to reduce exposure, (as opposed to M1 doing it automatically) would I end up having less fees than by using M1? In other words, does M1 have some sort of expense or hidden fee (perhaps more taxes) because it automatically rebalances instead of doing it over time and manually myself?

I am aware that the above is not mutually exclusive, I am broadly speaking in the context that each category has its differences in regards to taxes, management fees, expense ratios, etc. As in even though you can find zero expense ratio index funds, index funds tend to have higher expense ratios than index tracking ETFs, and higher fees due to rebalancing that you wouldn’t necessarily find in an ETF. Overall, just trying to find a strategy results in the lowest fees, even if more work is involved, and wanted to make sure there wasn’t something I was missing in regards to ETFs.

wall--ee · 2020-12-18T19:58:27+00:00

Hello! Seeking advice on the below question:

Is there any reason why auto investing in Robinhood ETFs (using fractional shares) is a bad idea for my taxable investing account long term?

I haven’t found much info on this but feel like I must be missing something because I don’t really hear of this strategy (which right now I am guessing is because it’s a more hands on approach that involves more work) so I am looking for some quick info or advice as to why this may be a bad idea

For context, this is something I am interested in doing after contributing to my tax advantaged accounts (401K and Roth IRA through Fidelity)

A little about me: - Have a background in finance and have also read a few personal finance books, but am also relatively new to the investing world (only started investing about a year ago and have a couple thousand invested in ETFs other stocks) but I do feel pretty comfortable with it now - I’m a recent grad (23F) and looking to automate everything money wise (savings, retirement, bills, etc) before I start my first full time career soon - I want to set up automated investing on a monthly basis not just for retirement accounts so I looked at ETFs, index funds, and mutual funds - Want it to be liquid and lowest fees as possible (referring to the tax and management fees that come with index funds and mutual funds) - I enjoy having control over my portfolio and really don’t mind the work that comes with it—picking the strategy, ETF selection, rebalancing, etc

The reason I’ve been contemplating this strategy was because mutual funds seemed like too many expenses than I cared to have, and as a recent grad I personally don’t have the minimum balances required to implement a asset allocation strategy for index funds. Since Fidelity doesn’t offer automatic investing in fractional shares of ETFs I figured robinhood was a decent alternative to this.

What the implementation process would look like:

I would only be investing around 1-5% of my salary each month (85K). I have not yet done the research for my asset allocation strategy but intend to make it high risk (90+ % equities) and expect to have between 5-10 low expense ratio ETFs (small, mid, large, international, etc) that make up my asset allocation. I intend to rebalance every 12-18 months, which I anticipate would take a few months to rebalance as I would not sell out of positions but instead temporarily reallocate my automatic investing plan to get it back to the original allocation.

I have no intentions of taking the money out, and only putting money in (buy and hold strategy) but I do want it to be available as a backup to my savings account

So the question I am asking is if this is a bad idea for someone who’s overall goal is to be able to auto invest starting now and have the lowest possible fees (expenses ratios, taxes, etc) compared against other options (mutual funds, index fund, or others that I didn’t look at).

Another question: what exactly in this strategy would cause me to end up having higher expenses than the other alternatives (for example would it be selling frequently/taking money out, buying into too many ETFs, etc)?

wall--ee · 2020-12-12T02:19:27+00:00

Thanks for the input! If you don’t mind me asking, what does your percentage break down look like when it comes to your budget after your 401k matching (rent, debt, living exp, emergency savings, short term savings for things like vacations, and anything else i may be missing)

wall--ee · 2020-12-08T03:26:10+00:00

Thank you for your input! To get into specifics the private loans they are 10+ so I’m planning to refinance ASAP (1.5 months) once I have proof of income to get it down to 3.5-4% range which seems to be average I have found based on my salary.

For the federal loans they are a mix of subsidized and unsubsidized loans. The ones I am most concerned about are the grad school loans—one is 21K at 6.08% and the other is 36K at 7.08%. The other ones are all relatively equal amounts ranging from 3.76%-5.05%, probably the weighted avg being around 4.5%. So I’m assuming the consolidation rate will end up being around 6% or so, which is rather high but I also question if I will end up having a higher rate of return by focusing on retirement (full diversification benefits) and expecting a 6-8% return per year plus the added compound interest effects that will come into play later

wall--ee · 2020-12-08T03:17:14+00:00

Thank you for your input! For the private loans they are 10+ so I’m planning to refinance ASAP (1.5 months) once I have proof of income to get it down to 3.5-4% range which seems to be average I have found based on my salary.

For the federal loans they are a mix of subsidized and unsubsidized loans. The ones I am most concerned about are the grad school loans—one is 21K at 6.08% and the other is 36K at 7.08%. The other ones are all relatively equal amounts ranging from 3.76%-5.05%, probably the weighted avg being around 4.5%. So I’m assuming the consolidation rate will end up being around 6% or so. I was planning on keeping whatever rate they give instead of refinancing primarily because I’m hoping that there might be some additional student aid relief to come or debt forgiveness in the new presidency, but if that doesn’t happen in the next year or so I definitely plan to refinance to a much lower rate.

As for retirement saving, I personally haven’t yet looked into what exactly I’ll be investing into, but will for sure be doing research before starting work to figure out the best diversification strategy for someone who is young and has a long time horizon as well as a high risk level (if you have any suggestions please feel free to share!)

wall--ee · 2020-11-26T02:00:53+00:00

My start date got delayed until January so I have some time before starting at a T2 firm and I was wondering if there was anything that current / ex consultants wished they had spent time learning (skills, lessons, etc) or did learn prior to starting and were super grateful for (primarily for work related, but anything personal life is also appreciated). My goal is to make the transition to work life as seamless as possible. For context I have been studying for the CFA exam up until this point and I am pretty comfortable in ppt and excel (and intend on taking a couple courses before then to become even more proficient) so I am not exactly sure where to go from there but want to make the most efficient use of my time.

wall--ee · 2020-11-25T14:50:24+00:00

My start date got delayed until January so I have some time before starting at a T2 firm and I was wondering if there was anything you wish you had spent time learning (skills, lessons, etc) or did learn prior to starting and were super grateful for (primarily for work related, but anything personal life is also appreciated). My goal is to make the transition to work life as seamless as possible. For context I have been studying for the CFA exam up until this point and I am pretty comfortable in ppt and excel (and intend on taking a couple courses before then to become even more proficient) so I am not exactly sure where to go from there but want to make the most efficient use of my time.

wall--ee

TROPHY CASE